Date Received: 2023-11-08
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I and my wife are guardians for our XXXX XXXX son. My son receives Social Security ( SS ) funds and wages as a part-time employee in a supermarket. In the past the SS funds and wages were put in the same checking/savings account at JPMorgan Chase bank . However, I was told by XXXX XXXX XXXX XXXX that the funds should go into separate bank accounts. So, on advice of my attorney, I attempted to open a guardianship account in Chase approximately XXXX weeks ago. The guardianship account was opened, but immediately was placed on hold and the pre-existing checking/savings accounts in which the SS funds and wages were deposited were also put on hold. No one at Chase can tell me why the accounts were placed on hold nor what I needed to do to unfreeze the accounts. In the meantime, my XXXX son can not access his money to pay his expenses and bills, so I have had to cover them for him. I have been in daily communication with a banker and branch manager at Chase XXXX XXXX, NY branch ) and despite many apologies, no one has been able to help me. How Chase has handled this is reprehensible as this is affecting a developmentally XXXX adult who has elderly parents as guardians. There is nearly {$30000.00} in the frozen checking and savings accounts that my son can not access now and I don't know if his monthly SS direct deposit funds will be accepted into the frozen accounts so he may lose that money as well.
Company Response:
State: NY
Zip: 11791
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2023, BY MY MISTAKE, I instructed XXXX XXXX to make an electronic payment ( {$3600.00} ) to a credit card account in my name at Chase Bank - that credit card account had been long ago closed at Chase Bank. No payment was due to Chase Bank ; I mistakenly sent the money to Chase Bank. I spoke to Chase Bank payment service agents on XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( XXXX ), asking for a refund of the money I had sent from XXXX XXXX to Chase Bank. Both agents acknowledged Chase Bank had received my money from XXXX XXXX, acknowledged the credit card account was long ago closed, and said Chase Bank would investigate making a refund. I heard nothing back from Chase. On XX/XX/XXXX I sent personal email to CEO of the Chase Banks credit card business, seeking resolution. On XX/XX/XXXX I mailed a certified letter ( duplicate of the XX/XX/XXXX email ) to the CEO of the Chase Banks credit card business. On XX/XX/XXXX Chase Banks Executive Services agent ( XXXX ) called me to say : she had my XX/XX/XXXX email, she is my contact point for this issue, Chase Bank is investigating, and XXXX will keep me informed. On XX/XX/XXXX, XXXX of Chase Bank Executive Service called to say : she has found the transaction and Chase Bank is processing a refund to my account at XXXX XXXX ; the refund will be completed in 7-10 business days. On XX/XX/XXXX, I called XXXX of Chase Bank Exec Services and left this message : my account at XXXX XXXX has not received any refund ; please provide transaction tracking information I can provide to XXXX XXXX. XXXX of Chase Bank B did not call back. On XX/XX/XXXX, I again called XXXX of Chase Bank Executive Services seeking tracking information. I said would initiate a complaint with CFPB if Chase Bank did not call back. On XX/XX/XXXX I initiated this CPFB complaint, and provided a copy to the CEO of Chase Banks credit card business.
Company Response:
State: VA
Zip: 20120
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2023, I received in a payment from a client ( a medical college in my state that is very well known ) for work performed. Before depositing the check into my account with Chase, I asked about hole policies since the bank that it was drawn on is a local bank and the check and its amount could be easily verified and/or I could cash it if there would be a continuous hold on the funds. I was told by not XXXX, but XXXX individuals with my account at Chase that there would be a hold for the amount but a simple call to customer service would release this hold because it could be verified because its drawn on a well-known bank. I was not concerned with the entire amount of the check being available, but rather that enough of the funds were released for me to pay my mortgage payment to avoid foreclosure. Following the instructions I was provided, I contacted customer service as directed and was told that the check was already verified, and that the full amount of the check would be available to me on XX/XX/2023 and that my pending transactions for my mortgage payment would be cleared ; not returned. On today, XX/XX/2023, I checked my account which showed that the hold was not released and that the transaction for my mortgage payment was returned. When I contacted customer service and told them that I clearly was not told correct information by not only XXXX, but XXXX individuals, they could only apologize and proceeded to provide me with a telephone number for a holds department ( which was not provided on the previous day. ) When I spoke to the young lady in the holds department and asked her to call the other institution to confirm the funds and the check, she told me that they in fact do NOT do this and then proceeded to tell me that I would be responsible for all returned item fees. Chase is getting away with murder because I was told incorrect things by not only XXXX, but XXXX individuals who told me that the hold could be released. I also feel as if I was misled because I could have simply cashed this check on the written bank and not had any issues. Is it because XXXX XXXX? Maybe. Because they literally put the entire amount on hold and didnt even attempt to call the bank it was written on to confirm it. In addition, the woman from the holds department tried to tell me how the system works for cashing checks as if I was ignorant, when little did she know that my family has a history in banking including writing check hold rules and operations for the same bank the check was written on as former VPs.
Company Response:
State: TN
Zip: 38002
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Dear sir, Last night, about XXXX XXXX on XX/XX/XXXX of 2023, I opened the Chase bank account website to check the status of my fraud claim, since your company sent me an email to notify me the update of alert and message regarding this persisting issue. However, I found out there was no alert or anything in the message column of your company bank website. Since I had been exhausted with many persisting issues regarding frauds, I would like you to asking to stop these kinds of mails sending to me and other customers, who have similar issues. Sincerely,
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: A JPMCB credit card was open in my name with a {$1400.00} limit and a current balance of {$1300.00} that is negatively affecting my credit.
Company Response:
State: TX
Zip: 77057
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XXXX XXXX I paid a total of {$200.00} to XXXX, a shipping company in North Carolina that was supposed to deliver my packages back to my home in XXXX. I was using the company to ship my belongings back home from XXXX and while most of my packages made it back 2 of the 5 did not arrive. Those two packages contained cards, my ID, and shoes/clothing/accessories. I reached out to the company as soon as i noticed my packages hadnt been delivered and filed a claim i then filed a claim with my bank and was given a credit. Months later, on XXXX XXXX Chase unexpectedly took the credit back with NO explanation. After I called to speak with them and even told them there was still a claim open with the company because they could not find my package Chase still refused to give me my money back. XXXX even had someone come to my home and have me sign a paper stating that all my future packages would now have to be picked up at a XXXX location, which is a major inconvenience for me. This put my account into the negatives! I have been getting the run around from both Chase and XXXX. I want my money back and thats all. Please help!
Company Response:
State: IL
Zip: 60473
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: My family and kids were XXXX XXXX XXXX XXXXXXXX on fegnal. The suspects threatened chase staff to play me like I'm XXXX if I report fraud being that they stole my id and had my family. XXXX Chase Bank XXXX XXXX XXXX TX I didn't request to close my card or have another card mail to me.
Company Response:
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Due to a widespread issue with the ACH, my bank Chase, has failed to retrieve my direct deposit. It was supposed to be in my bank account by Friday ( XXXX ). I was told by a customer service representative when I called that it would be in my account by Saturday XXXX XXXX XXXX ) and it was not. It's now been almost 4 days late since my direct deposit was supposed to be here and my work believes the ACH has sent our pay. It's XXXXXXXX XXXX on Tuesday ( XXXX ) and I do not see it. However, regardless of if it posts, Chase has failed to resolve this within 1 business day at this point or offer compensation, and due to the issues, my rent is late and I have had little food to eat over the weekend. I believe this could be a clear violation of the EFTA and I am requesting compensation or the route to it.
Company Response:
State: NY
Zip: 14701
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Other transaction problem
Subissue:
Consumer Complaint: XX/XX/2022 XXXX XXXX XXXX XXXX made a payment in the amount of XXXX XXXX dollars from its XXXX account to the account of XXXX XXXX XXXX XXXX XXXX XXXX opened in XXXXXXXX XXXX XXXX XXXX XXXX XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XX/XX/2022, XXXX was appointed in accordance with XXXX XXXX XXXX. XXXX. Given this, my payment must be blocked by an intermediary bank in accordance with the rules of US sanctions. To unblock a payment, I need to apply for a specific license with OFAC. However, JP Morgan Chase has not yet blocked the payment and has not informed the sending bank about the freezing measures. Thus, I can not apply to OFAC for the license required to unlock my funds, because for this I have to enter some data, in particular the date when the payment was blocked. Otherwise, OFAC may not find the record of the blocked payment. XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXX with a request to clarify whether the payment was blocked and what was reported to OFAC and when. However, JP Morgan Chase did not respond. Thus, I can not apply to OFAC for the license required to unlock my funds.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone tried to open a credit card account in my name through JPMCB CARD on XX/XX/2023. I found this in XXXX XXXX XXXXXXXX XXXX. I called JPMCB in XXXX to inform them of this issue.
Company Response:
State: OH
Zip: 43221
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A