Date Received: 2023-11-08
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have worked very hard to repair improve and maintain my credit. My husband lost a business during covid, then had a XXXX due to the stress. He was forced to file bankruptcy. I did not. We also have all finances separated. XXXX bank decided to close my good standing credit card account and will give me no explanation as to why. My husbands bankruptcy has to be the only thing they could use in a negative way against me. Certainly seems like that would not be inline with the equal opportunity act. How am I punished due to my marital status?
Company Response:
State: TX
Zip: 760XX
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: Fraud or scam
Subissue:
Consumer Complaint: In XX/XX/2023 We received documents from lawyers stating our class action lawsuit was settled and we would receive a settlement payment added son to account in XX/XX/2023 received and signed disbursement documents in XX/XX/2023 received check from XXXX XXXX and deposit in account said would be available in 10 days ok no problem then next day I go to buy groceries as this is my daily account and debit card won't work call chase and they say there is a restriction on my account due to the check hold went between lawyers and bank for XXXX hrs and lawyers say the bank needs to verify check by calling the number on the check ( which does trace back to lawyers and disbursement company ) but said its not in there system and cant verify and will be closing my account in XXXX XXXX even if check clears unable to disburse my money due to not being able to call and verify check even though the number on the check is correct the bank on the check verified the account but the bank wanta to speak to the person that made the check but refuses to call the number and now i an unable to access any of my money not just the settlement chech but my paycheck that pays my bills and puts gas in my car the get to work and no one will help me
Company Response:
State: MI
Zip: 48504
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: Fraud or scam
Subissue:
Consumer Complaint: Chase Bank credited my account for the three transactions total but removed it after 'research ' shows that I 'could have ' made these transactions. I am writing to submit my evidence that I did not make the three XXXX transactions on XX/XX/2023, to XXXX XXXX. The Chase Fraud Department determined that I could have made these XXXX transactions. I am attaching evidence I did not make the following XXXX transactions. Transaction number XXXX Time : XXXXXXXX XXXX Amount : {$1400.00} Transaction number XXXX Time : XXXX XXXX Amount : {$1500.00} Transaction number XXXX Time : XXXX EST Amount : {$2000.00} Evidence XXXX The recipient XXXX XXXX is an unknown person to XXXX XXXX He is not on the XXXX recipient list on my Chase account. I was not sent an email or text to confirm I was adding a new XXXX recipient. If I had deleted him from the recipient list on the Chase website, Chase software should be able to determine when he was added and when he was deleted. On XX/XX/XXXX I was in the Chase XXXX branch meeting with XXXX, the Chase customer service representative and she confirmed he was not a contact on my phone. Evidence XXXX When these transactions were being made, I was driving on the freeway. The XXXX Department representative told the Chase customer service representative that XXXX XXXX and are on their phone all the time. Very true but I have evidence from my XXXX XXXX XXXX that monitors my driving habits that I was not on the phone at the time of the transactions being initiated. I have a screenshot of the XX/XX/2023 trip starting at XXXX ( XXXX XXXX ) and ending at XXXX ( XXXX XXXX ) which was the time the transactions were taking place. The tracker shows I was not on the phone. Also I have a screenshot of my drive to the office on XX/XX/2023 where I logged into the Chase app on my phone while driving at XXXX and the app shows phone use. ( see attached XXXX photos ) Evidence XXXX This whole situation came to light when there was an attempt to wire {$19000.00}, which was most of the balance of our checking account ending in XXXX to a person I do not know named XXXX XXXX. This transaction was rejected because of a phone call made to me by a Chase representative at XXXX ( XXXX XXXX ). I told the Rep, he had my cell number and was speaking to me on the phone he called, which is my cell number. The Chase Rep asked me to call the number on the back of my debit card to speak with Chase regarding a transaction he needed to verify. I called Chase back, waited on hold for 17 minutes and ended up speaking with a Fraud Department rep later that evening. I do not know XXXX XXXX and did not initiate the wire transfer to her for that amount. Chase did not authorize the wire transfer. When speaking with the Chase Fraud Department Rep, in the late evening of October 17th she had me get another email account only to be used for banking at Chase, we established a verbal security code, XXXX security questions and a new login Username and password. After obtaining a new email address, I went back to the Chase website to update my email address, I then noticed the XXXX unauthorized XXXX transactions in another XXXX of my checking accounts. The timing of these transactions is suspicious. XXXX XXXX transactions XXXX after another to a person unknown to me or my family and a large wire transfer attempt a few minutes later. I called Chase back again on XX/XX/XXXX ( XXXX XXXX ) because the Chase XXXX Department did not open until XXXX XXXX and notified them of the XXXX unauthorized XXXX XXXX. The XXXX then deactivated the XXXX ability on my account. Evidence XXXX I started monitoring my Chase account multiple times a day. I noticed the XXXX was active again on my account and that a new recipient XXXX XXXX was added and an attempt to XXXX XXXX was rejected. I did not activate XXXX, add any new recipients and this person XXXX XXXX is unknown to me. I then went into the bank on XX/XX/2023, after receiving a letter stating that after research, Chase could not determine I didnt make these transactions. XXXX at the XXXX branch verified on my phone that XXXX XXXX, XXXX XXXX, and XXXX XXXX are not contacts on my phone. Since I have a new login Username and password, I do not know how this person was able to access my account, activate XXXX and initiate the XXXX transaction to XXXX XXXX. Evidence XXXX In addition on XXXX XXXX, the thieves stole XXXX of my XXXX XXXX Rewards points and bought XXXX {$200.00} XXXX gift cards. I have the Chase credit card to purchase XXXX XXXX tickets with my reward points and nothing else. If Chase looks into my history, they will see only transfers to my XXXX XXXX XXXX frequent flier account. I am a victim of fraud and do not recognize, authorize or initiate any of these transactions. Please reconsider your determination and credit my checking account back for the XXXX unauthorized XXXX transactions totaling {$4900.00}.
Company Response:
State: AZ
Zip: 85395
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: XXXX issued a charge in the amount of {$260.00} to my account from their member, XXXX. I did not receive any merchandise from XXXX. XXXX reached out to me via XXXX. I responded and advised the merchant to via XXXX they needed to file a claim with the United States Postal Service ( USPS ) per the USPS directive. The merchant did not mail the items from XXXX XXXX XXXX, Signature Required. The USPS could not verify they received the package for distribution to me. I never received the goods or services, yet Chase charged my account back the {$260.00} they originally credited me without notification until I received my statement today. It is not my fault the merchant tried to ship the package inexpensively and not ship Registered Mail, Signature Required. It was likely stolen in transit from XXXX.
Company Response:
State: CA
Zip: 905XX
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: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: Chase Bank ; Consumer Financial Protection Bureau Attn : Dispute Inquiries Re : Notice of disputed charge to Account No. XXXX I am writing to dispute/ clear up a charge of {$400.00} to my debit card account on XX/XX/2023. The charge is in error because the items werent delivered as expected, I was overcharged, items were not exactly what I thought I was purchasing, and misled into believing it was a certain hair texture when I was sold something totally different and not what I spoke with the salesman on. I was told the wig was on final sale even though I did not get the size of the wig neither was it noted on the box, I noticed when I got home to prep for the wig it was three sizes bigger than what I normally purchase. Once I washed it, I was very disappointed. The red dye was dripping from the wig which let me know it wasnt processed and bleached correctly, as well as the texture of the hair being stripped and it no longer being body wave like it was when I left the store, like the company made curl pattern themselves just to sell when its literally straight hair I paid extra for. The hair seemed stiff and/or stale looking and feeling. It did not bounce back to the curvy body wave texture that it had when I first purchased the wig. The hair tangles when I wash it and does not go back to how it looked when I first purchased it. I can not return to the merchant myself due to the final sale rule and it would be pointless getting a letter from the merchant when it was already discussed. I just expected a high-quality wig for the price that I spent which was a total waste of my hard-earned money. I also spent more money in order to correct the wig color and to try to obtain its natural hair texture, which is an extra {$200.00} Dollars and the wig is drying out day by day. The proof I have is pictures after washing, and a comparison of an actual body wave textured wig that I already have to show the difference of the curl pattern. I am requesting that the error be corrected and that any finance or other charges related to the disputed amount be credited back to my account. I was informed by my bank to make a report to the Consumer Financial Protection Bureau to express my concerns and issues regarding this matter. Enclosed are copies of the payment receipt, and pictures supporting my claim. Sincerely, XXXX XXXX
Company Response:
State: FL
Zip: 34990
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: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My name is XXXX XXXX, XXXX of XXXX XXXX Kindly see attached the response from Chase Bank dated XX/XX/2023, I would like to explain what transpired here, so that you understand my complaint and why I am objecting to the response from Chase. On XX/XX/2023, I opened a business checking account for my non for profit organization " XXXX XXXX '' at JP Morgan Chase Bank hereinafter referred to as " Chase ''. On XX/XX/XXXX, I deposited a check in the amount of {$10000.00} from a non for profit organization, by the name of XXXX XXXX hereinafter referred to as " XXXX ''. As is common in the process of Chase with new accounts, Chase fraud department flagged this deposit, and put it under investigation, to verify the validity of this check. They eventually CLOSED my account in the beginning of XX/XX/2023, with a claim that it's based on a lack of proof to verify this check from XXXX XXXX, The account had a total of {$13000.00} on deposit at that time, and ultimately all the fuds were locked up, which includes funds that were not of question at all, and same remain locked until they close this investigation. However, Chase has repeatedly denied to accept any kind of validity or proof that was provided to them, including a letter from the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX attached hereto, verifying this check, and as well as personal appearances from the Grantor 's institution Board members, to a Chase branch, verifying and confirming the check. From my conversations with Chase, it turned out, that their only way of accepting verification for this check, would be by verifying the PHONE NUMBER on record for the Grantor 's Institution, specifically registered by their Risk Management Company 'XXXX XXXX '' and ABSOLUTELY no other form of confirmation or validity, from any party, including the grantor 's banking institution, will be acceptable as confirmation. Unfortunately, the Grantor 's institution is not registered by XXXX XXXX, and can therefore not be verified through this system, which leaves us with the circumstances that we are currently in, with all of my funds LOCKED. I have pleaded with them to at least return the funds to the Grantor 's Institution, but they have denied to do so. THIS IS HIGHWAY ROBERY, AND THEFT AT IT'S BEST. I want to directly respond to the attached respond by XXXX to this matter, whereas XXXX claims that in our Agreement at opening the account we are subject to those actions, THAT THIS IS COMPLETELY FALSE. Nowhere in any agreement between the consumer and the Bank, is their any mention of being subject to a specific third party to verify a XXXX XXXX. I AM PLEADING TO YOU, TO PLEASE STOP THIS MONEY GRAB FROM CHASE, AND FORCE THEM TO EITHER RELEASE THE FUNDS TO ME, OR AT THE VERY LEAST, HAVE THEM RETURN THE FUNDS FROM XXXX CHESED TO THEIR ACCOUNT AT XXXX XXXX, AND THE REMAINING FUNDS TO ME. THIS HAS BEEN GOING ON FOR MONTHS, WITH ABSOLUTELY NO MOVEMENT BY CHASE!!! Kindy and truly yours XXXX XXXX
Company Response:
State: NY
Zip: 11204
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: Deposits and withdrawals
Consumer Complaint: Subject : Request for Immediate Intervention Unjustified Account Restriction and Withholding of Funds by Chase Bank To Whom It May Concern, I am writing this statement under considerable distress and with a sense of urgency that the situation I am facing with Chase Bank demands. My name is [ XXXX XXXX ], and this statement serves as a formal complaint against Chase Bank for the unwarranted restriction of my account and the withholding of my funds totaling {$24000.00}, which is a tax refund issued to me in the form of a cashier 's check. I am seeking the Consumer Financial Protection Bureau 's immediate intervention to rectify the discrepancies that have led to financial and emotional hardship. **Incident Overview : ** On [ XX/XX/2023 ], I deposited a cashier 's check of {$24000.00}, representing my tax refund, into my account via the Chase mobile banking app at a local ATM branch that I regularly utilize. Understanding standard procedure, I anticipated a hold on the funds to allow for the usual verification process. Chase Bank placed a 7-day hold on the check, which was a reasonable expectation. After the 7-day hold period elapsed, the present balance was updated to reflect the available balance, indicating that the funds were cleared and should be accessible for my use. **Discrepancy One Unlawful Holding of Funds : ** Despite the update in my account balance, Chase Bank continued to hold the funds illegally. This action is in direct violation of the terms outlined by the Expedited Funds Availability Act ( EFAA ), which mandates the timely release of funds from checks. As per Regulation CC, which implements the XXXX, the hold on a cashier 's check deposited into an account of a customer with a banking institution should not exceed the statutory timeline unless exceptional circumstances apply, which were not communicated to me. **Discrepancy Two Account Restriction Without Justification : ** Subsequent to the clearance indication, I received notice that my account was restricted, with the justification that the bank was " waiting for funds to be returned to maker. '' This statement is nonsensical in the context of a cashier 's check, which, by its very nature, represents guaranteed funds that have already been paid for by the issuerin this case, the United States Treasury. **The Issue of Potential Discrimination : ** While I am reluctant to make such assertions, the unfounded actions taken by Chase Bank raise concerns regarding their motives, including the potential of discriminatory practices. I am compelled to question why a standard procedure of check verification has escalated to an unwarranted restriction on my account. **Demand for Immediate Action and Compensation : ** The financial impact of Chase Bank 's actions is substantial. Not only am I unable to access my legitimately earned tax refund, but this situation has also impeded my everyday life, causing significant stress and XXXX. I am now in a position where I am forced to question the integrity of my financial institution, which has seemingly penalized me without cause. I am requesting that the CFPB take immediate action to ensure that Chase Bank : 1. Lifts the restriction on my account without delay. 2. Makes the funds of {$24000.00} available to me in full accordance with the law. 3. Provides a detailed explanation for the unwarranted actions taken against my account. 4. Compensates me for the inconvenience and emotional distress caused by their unjustified actions, including but not limited to financial compensation for any overdraft fees, missed payments, and other financial liabilities incurred as a direct result of their actions. **Closing Statement : ** The actions of Chase Bank have not only violated federal regulations but have also placed an unfair burden on my financial well-being and emotional state. The urgency with which I require a resolution can not be overstated. This matter goes beyond a simple banking errorit speaks to the reliability of the banking system that consumers like myself depend on. I trust that the CFPB will act promptly to address this grievance and to prevent such occurrences from happening in the future to myself or any other consumer. I am prepared to provide further documentation and evidence upon request. Thank you for your immediate attention to this critical issue. Sincerely, XXXX XXXX
Company Response:
State: CA
Zip: 90017
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My credit limit with Chase was {$22000.00}. Chase let me go over by three times the amount, over {$67000.00}. This is illegal. I have made payments since then. My balance now should be no more than {$10000.00} after subtracting the payments from the limit of {$22000.00} from when I closed my account.
Company Response:
State: IL
Zip: 60448
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Chase is refusing to acknowldge the identity theft and holding me liable for fraudulent transcations inspite of repeated explanations I am writing to you to document an issue with identity theft that I have complained to chase about previously. To sum up, On XX/XX/, my phone number was hacked. My provider is XXXX XXXX which uses an e-SIM service. The e-SIM was ported out to a different device. Once the hacker got hold of my phone number, he utilized phone based authorization and OTP services to get into my credit card accounts including Chase. He opened a new credit line with Chase under number # XXXX now ending XXXX If they check the date of the transaction they will find that this account was opened on the same day - XX/XX/XXXX. Before the physical card was dispatched, the hacker added the virtual card to XXXX XXXX ; and was able to utilize it for two transactions at XXXX totalling {$370.00}. Without phone access, I had to go in person to the branch multiple times to explain the situation and request the account be stopped. At the same time, the hacker also opened multiple credit lines with other companies. I have been a Chase customer for over 5 years and my account has always been well maintained. I have explained this situation multiple times in person ; and providing the same detail via this email as well. I want to emphasize my profound frustration and disappointment in the way this matter has been handled so far. I have consistently provided all necessary information, with a detailed chronological account of events from the day it occurred. I have visited my local branch multiple times over the past four weeks, made countless phone calls to your fraud department, and yet, I still find myself in a situation where the investigation officer 's demeanor has been less than accommodating. I have been met with rudeness and disbelief, with inquiries as to why I am reporting this after 60 days of the incident. I would like to request that you close this account and waive the charges on this account - while ensuring that this does not affect my credit score and record. My credit has also been frozen with all the credit agencies and if you check with them, they can verify the same I have provided them screenshots as documentation of the activities around that time period ; complaint that was provided to XXXX XXXX ; as well as the email that was sent to the Police department in XXXX XXXX XXXXXXXX with the appropriate complaint number already provided them I kindly request that you conduct a thorough investigation into this matter, provide me with updates on the progress, and work with me to resolve this issue promptly. I look forward to a swift and satisfactory resolution, as I believe it is in the best interest of both myself and Chase Bank.
Company Response:
State: PA
Zip: 19406
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: chase bank my tax checks were deposited in my account without me knowing and i thought irs was paying me direct depoait
Company Response:
State: TX
Zip: 77090
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A