Date Received: 2023-11-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I deposited a work check, I received and email stating that the check was accepted, however it noted that all funds would be held until XX/XX/2023. No other explanation about as to why. I went to log into my account and it said they have accepted the check but havent collected the funds from the other bank ( XXXX XXXX XXXX ). I called and the first representative said that funds would be available by the following day. The next day I had no funds from my work check in my account. I called and had an employee pick up the call but mistakenly didnt realize it and spent the next 20 or so minutes having an entire full conversation of their personal life with someone in the background, I have the entire call recorded! The representative finally hung up on me without taking my call. I call back several times to speak to a specialist to see about them releasing the hold on my check and they refused saying they first could not reach anyone and then I needed to call back the following Monday. I called back today ( Monday ) and get told that I must wait until XX/XX/XXXX to see about the funds being released and questioning the validity of the check. I told them they already confirmed they accepted the check via email, so there was no reason to hold the funds for verification if it shows already stamped. They told me they would release the funds to get me off the phone and never did. I told them over the phone that the federal law says that they had to make available a portion of the check under the Expedited Funds Availability Act and the banking supervisor says that their policy supersedes the federal law. I told him that he is incorrect and to show me the policy stating they withhold the checks for how long ever the bank determines and he would not email it to me. I told him I have the print out of what the Chase Bank says on their website about releasing {$220.00} while check verification is ongoing. He still refused to acknowledge this, saying they would not release the check funds.
Company Response:
State: MO
Zip: 64055
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XX/XX/2022, in XXXX, XXXX XXXX court in a divorce issue, the house and loan was my ex-wife responsibility. Court Documents were sent to all 3 credit agencies numerous times along with them being sent to Chase Bank in that I was no longer financial responsible nor own the home. They have refused to remove it from my credit report, tell me they don't have to remove it or take it out of my name after all documents have been signed three times. Last year I reported identity thief, and my credit is locked and now another credit card is on my credit report and getting phone call on that and on the late payment on the house. This has stopped me from getting financed for a home and they will not correct their mistake even when i have submitted document numerous times to all three credit agencies and Chase Bank. This has also interfered with me in getting any kind of loan when they don't report the truth on my credit report. I'm requesting your help in correcting these agencies and Chase and the credit card agency on my credit report.
Company Response:
State: IL
Zip: 611XX
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Card will reflect previous name, XXXX XXXX. I opened this account when I was in my early XXXX, they provided minimal information, explaining that if I pay my balance in full there is no interest. I verified since I hadnt had much history with a large credit limit card. Ive since racked up a lot of debt which Ive struggled to get out of because the interest rates were higher than what I was paying towards to principal and I had no additional income to put towards it. Ive finally, after many years, payed off the card balance in full and have a financial plan to never again find myself in that position. I partly blame this position on Chase, which gave me access to a lot of potential debt and didnt provide any education or resources to learn financial responsibility. Regardless, Ive paid the balance in full and was hit with a large interest charge two weeks later. When I spoke to them on the phone, both a regular representative and their supervisor, they now explained that a revolving balance accrues interest daily. They said its always been this way, yet the many times Ive called and spoke with card representatives, no one has bothered to explain this. Ive tried to get their assistance in finding ways to pay the card down previously and was met with, just try your best and if you have extra money, put it towards the balance, which was unhelpful. This interest charge, and now explanation of a seemingly new to me policy, feels like Chase is punishing me for becoming financially responsible and educating myself. The said they arent able to do anything with the interest. Does this mean they will be continuing to charge interest on their own interest balance? Its ludicrous. There needs to be some transparency and responsibility put on the company as well as, not just me.
Company Response:
State: WA
Zip: 982XX
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received an email on XX/XX/XXXX, thanking me for my credit card application, then an another email requesting additional information. I received an alert from XXXX and called number on alert and the question that ask was what was my SSN #, I refused and they stated thats the only way to locate loan information. I called XXXX XXXX and place a freeze on my accounts. XXXX was unable to remove the inquiry unless I get a letter from JPMCB. And told to file a report with you. I would like JPMCB to be notified of this fraud and a mail me a letter stating such so I can have inquiries removed
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I opened a Chase Bank " United Quest Card '' in early XXXX. Shortly after, Chase claims to have sent me 2 letters in the mail requesting my authorization to verify my social security number. I never received 1 of them and the other I got when I returned home from overseas. I responded to the letter by having a branch manager fax the signed letter. Shortly after I got another letter explaining that the Quest Card was closed, since Chase had not had any response from me. Chase claims to have never received anything from me and proceeded in closing all of my personal Chase Credit cards. Then, I mailed them a second copy of the letter. I followed up with Chase and they claim to have never received that letter as well. Chase then told me these credit cards are closed and no longer eligible for dispute. Then, I decided to apply for " new credit cards '' the Chase credit cards they had closed. Through this process Chase requested my credit report through the bureaus on : XXXX XXXX XXXX XXXX Chase should have contacted me directly, communicated with me and instead kept requesting credit reports only to deny the replacement cards. These requests, for reports, have now been a hinderance in me getting replacement cards from other banks. I have been a Chase customer for well over 20 years and have an excellent credit score of XXXX. The only reasons Chase gives me is that it is their " policy '' and further push the blame to the " government rules '' they need to abide by.
Company Response:
State: PA
Zip: 19446
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On my XXXX credit report it was multiple inquiries from JPMCP Card Bank that I have no knowledge of. The recently did ( XXXX ) inquiries and I didnt havent authorized anything. I want it the deleted off my XXXX credit report.
Company Response:
State: VA
Zip: 22554
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Trouble accessing funds in your mobile or digital wallet
Subissue:
Consumer Complaint: My business uses XXXX ( will be closing that account after this is resolved ). They in turn using a company called webpay to process transactions. XXXX was taken by webpay to be sent to me but all of a sudden they for no reason whatsoever said my account was closed. They have to hold my funds for 120 days and there is no explanation or anyone to talk to. I sent email that was not replied to and this is even worse by closing my account I havent been able to take payment from other paying customers. Please refund me my XXXX. I need this money I have bills to pay that cant wait for this fraudulent company. I need my funds ASAP
Company Response:
State: AR
Zip: 72116
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Chase bank has been holding a 3rd party check deposited via mobil app since XXXX and it's now XXXX. As soon as they put the hold on the check they also closed the account. We have done what's asked of us and FAR MORE but continue getting caught in a loop the just doesn't lead to any sort of resolution. First we are told the check need to be verified soon as that gets done then it's said they think the XXXX check is fake. And after countless days through that process then the money will be in my account in XXXX business days we wait and go through the loop all over again and it has been an absolute nightmare. For check verification the 3 rd part person has bought 4 different phones and went to a local branch with id social security card and birth certificate none of which was enough to " verify '' also XXXX XXXX has asked them to release the check back to them and chase also ignores their requests as well. We have also been told the funds will be put into lost funds and it will take us 2 to 3 years to be able to access it. The XXXX dollar check has cost us more in time off just trying to resolve the situation because they will not let me add my wife to the account so just a phone call requires time off work because when I call i have to verify myself and give permission to speak with my wife a minimum of 4 times PER CALL.. The 3rd party has missed numerous days as well calling the bank and going into our local branch. When u get as high as possible with someone in chase fraud dept I ultimately just get left on hold sometimes for hours and never get to speak to anyone higher. This has been the absolute worst experience of my life time and I will never again bank with chase
Company Response:
State: LA
Zip: 707XX
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 an account
Subissue: Company closed your account
Consumer Complaint: I was informed on XX/XX/2023, that my checking and savings accounts with JP Morgan Chase are closed. There is a remaining balance of {$27000.00} in my checking and {$1300.00} in my savings. They said it was because of suspicious activities but did not say which activity they flagged as suspicious nor give me any opportunity to explain. It has been two months, and there has been no investigation or communication with me regarding the issue. I also did not know when I could hear from them regarding the check. I will be happy to explain what each transaction is about, and I have been a customer with Chase for over ten years. I have been calling Chase every other week to check my account 's situation but have heard nothing back. This is my only bank account, and now I have to borrow money from friends and family to pay the mortgage and living expenses. It is very frustrating that they are closing my account for no reason, and I have no idea how long my money will be held.
Company Response:
State: CA
Zip: 95821
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: Getting a credit card
Subissue: Application denied
Consumer Complaint: I received a notification of a credit card application at XXXX XXXX on XXXX XXXX. I has no knowledge of this application
Company Response:
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A