Date Received: 2023-10-31
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I got a new credit card from Chase Bank for the XXXX XXXX with a limit of XXXX dollars. I called the bank to ensure what the card is about since I have other accounts with them. This card was opened on XX/XX/XXXX with Chase Bank which I never did. They closed the account and marked it as fraud. I also followed up with XXXX to get fraud protection who said they would push out the notification to the other credit bureaus.
Company Response:
State: IA
Zip: 501XX
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XX/XX/XXXX I submitted a request to Chase auto to investigate accuracy of information on my Consumer Reports. They sent their response and dated XX/XX/XXXX which I have attached confirming that the reporting information is accurate. Chase is in violation of 15 U.S. Code 1666 ( a ) 15 U.S. Code 1666b ( a ) 2 15 U.S. Code 1681i The inaccuracies include ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: LA
Zip: 70117
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I received a letter from Chase in late XXXX XXXX that my business account will be closed and to transfer my funds to a different financial institution. In the letter there was a number to call for any information on the matter. I called the number that I was asked to call and was first told the account wasnt closing, then the agent said that yes the account would be closing but that its usually sixty days from the day the letter was sent and that it wasnt even 25 days on the day that I called, I believe it was XXXX XXXX XXXX. I called again on XX/XX/ and spoke to another agent who said that my account wasnt being closed, I asked why then I got the letter and was told that the matter had been resolved. I ask him to double check then he said that it appears that the account will be closing and when I asked when he said XXXX XXXX ( clearly there was no XXXX XXXX XXXX XXXX. I was told only the branch can call them to ask for an extension of time to enable me sort out all transactions on that account so I asked him to connect me to my branch and he couldnt get the branch on his system so he transfered me to another departments to help with that. The lady there asked what the issue was and I told her and after verifying me, she said there was nothing wrong with my account and I told her I was told it will be closing , she put me on hold to speak to a branch banker then came back and said that she didnt know why they told me that my account was closing that she was assuring me 100% that it wasnt . With that sort of assurance anybody would just forget about it but knowing how inefficient and disorganized chase bank is , I called again on MondayXX/XX/ and spoke with other agents that first wasnt sure then said that the account will be closed but they still couldnt say when and they all advised that I transfer my funds in order to have access to them immediately etc. the same day I tried to initiate a transfer with the customer service department but the call dropped and since she already showed me how to get it done from my online banking, I initiated the transfer the next day and it was successfully done and just to be on the safe side, I called chase and asked about the transfer I just made and they confirmed that yes it was done and in process. The next day I got an email from the bank informing me that the transfer was delayed but it will keep processing and that I will be contacted if they require any information. Five days after, I woke up to an email saying that the transfer was canceled and to call a number in order to avoid further restrictions on my account. I was surprised because I thought we were ending the relationship and I was asked to transfer my money out of the bank and now the same bank is making that impossible. I called the number and the agent, again , couldnt give me any information other than he didnt know why the transfer was canceled and that there was restriction already on my account. He said that they will send a check by the end of the month, I told him I didnt want a check I want my money immediately as I needed to run my business and my life, also I didnt have another business account, I was in XXXX and wouldnt be able to cash the check if it was written in the company name which one of the chase agent had also mentioned that because of this it was best to transfer my funds. The agent then said what he would do was to make sure that the check was sent in my name because I was verified, my international passport was used to open the account etc. he assured me that he would follow up the case and make sure the check was written in my name . The same day a certain XXXX called me from the executive office ( I had sent an email), I told her that I already spoke with someone etc. she said she would investigate my complaints and get back to me if she needed any more information. About eleven days after XXXX called to say that the check had been mailed to me and that it would take seven to ten days to get to me . Then I asked if the check was sent in my name and was absolutely shocked when she said No even though I was assured it will be written in my name . Clearly this bank delights in inflicting pain and trauma on its customers.. suddenly I was traumatized because it seems chase bank was bent on keeping my money for as long as they can. Right on that call I was feeling sick and could barely XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. I asked her why the transfer was canceled in the first place when it was the bank that advised that I transfer my funds. She said that the transfer wasnt consistent with the terms of that checking account and I asked if the terms were new, if they werent in place when chase asked that I transfer my funds and when the chase customer agent showed me how to make that transfer, of cause she couldnt come up with a response to that ( they actually think people are stupid). She said a manager at the executive office will call but no one did until I sent an email then I got a call from a certain XX/XX/XXXX from the executive office who was very rude and arrogant just like the bank. He couldnt tell me why the transfer was canceled and when I asked why the check was written in the company name when I was assured that it will be written in my name , he said maybe the company doesnt belong to me anymore which I thought was the most senseless and ludicrous thing. The account was opened with my international passport and I am verified each time I call, the debit card bears my name and the company name and suddenly because there is a substantial amount of money in the account it is no longer mine because a black woman is not supposed to have a certain amount of money sitting in their account? How insulting!!! I told him this case should escalate to the highest authority of the bank and he said, in an arrogant way, that they make decisions for XX/XX/ the CEO so theres nowhere else to go. Clearly chase bank is not ready to take any responsibility for its inefficiency. they sent me a letter of closure and ask that I call a number, I would have thought that anyone who picks that call would have the right information for me but I was given all the wrong informations and if not that I kept calling I would have gone thinking my account wasnt getting closed after all. then they went and canceled my transfer without any plausible explanation, and after assuring me that the check will be written in my name so that I can have access to my funds they went ahead and wrote it in the company name so that they can hold on to my money for as long as possible If I wasnt qualified to open an account with the bank, they should never have opened the account in the first place because it was my international passport that was used to open that account and they verify me every time I call but suddenly the account doesnt belong to me anymore and I am not qualified to have my name on a check for my own hard earned money. They dont have to spell it out but clearly this is racist and hateful. Even the check they claim to have mailed out since XXXX XXXX was nowhere to be found . I had to call Chase again ( for my health I had been avoiding calling them) on Monday XX/XX/ and left a message for XX/XX/XXXX, she didnt call back so I called again on XXXX XXXX and she said she will find out what was going on with the check and let me know. I told her to track it but she said they couldnt track it. I never heard back from her. Some hours after, XX/XX/XXXX called and rudely asked why I was still corresponding with the bank and that as far as Chase was concerned they were done with me, I was beyond shocked!!! I thought he was calling because his colleague had told him I hadnt received the check but clearly he was calling to be rude and insulting when I told him I hadnt received the check he asked are you telling me that you havent received the funds I told him that I dont give conflicting information that only Chase was allowed to do that and I would say it again and again that I hadnt received any check from them and the only reason why I am still talking to this bank at all was because they still had my money and for as long as the money was not in my bank account or in my pocket, they have it. Then he said the only thing he could do was to cancel the check and reissue it .. I told him there was no way that I could possibly wait another month to receive my money I transferred my funds and they blocked the transfer and all their misinformation and laxity created the mess and they were all moving on and expecting me to find a way to deal with the mess! I also asked if I could cash the check at a chase branch with all the ID that was used to open the account andXX/XX/XXXX said No that chase doesnt cash business checks, that was such a shock since the check originated from them. He said he will find out if they can expedite the check by sending via XX/XX/XXXX which is what they should have done in the first place (A check with well over XXXX was sent via regular mail and yet you claim to be high on security). Again, he never got back to me and when I called back on Friday XXXX XXXX, he told the operator to pass me to his answering machine!! The last time I spoke to this same XX/XX/XXXX, I dont know what button he pressed or what lie he told but I suddenly heard the machine saying that I had been abusive and not to call them again. Stunning how chase bank that was abusive and discriminatory towards me denied me access to my own funds for almost months, causing me financial and emotional stress was claiming that I had mbeen abusive!!!! Of course if they didnt have my money I would have no business calling them. The executive office of chase is even worse than the other agents they claim to check.They claim to have used my feedback to investigate and make corrections but the question is at whos benefit all they say is sorry you were misinformed etc but theres nothing we can do you go and sort out the mess we created. The whole stress of not having access to my hard earned money, not being able to run my small business of many years, the disdain and inhumane treatment and discrimination from chase finally took a toll and I miscarried!! My husband and I are devastated and depressed and bent on getting justice because nobody, not even a big corporation, should be allowed to get away with injustice. I suffered tremendous XXXX XXXX XXXX XXXX since this incident. I am just gradually beginning to recover. I reported to the XXXX XXXX XXXX but Chase bank discounted that complaint because, obviously, they know that the XX/XX/XXXX has no power to call them to order. The foregoing, clearly shows how mindless, cruel, inefficient and disorganized Chase bank is and also how arrogant to think that they can perpetrate such injustice and discrimination on a customer with impunity because in their mind I am too small to sue a big corporation.. THEY WANTED TO END THE RELATIONSHIP BUT HOLD ON TO MY MONEY FOR AS LONG AS THEY POSSIBLE COULD JUST TO BE MEAN. XXXX- on XXXX XXXX XXXX, I found the first check they claimed to have sent somewhere in my building and it turns out it was wrongly addressed ( I will present it if needed). Chase had my correct address on file!!! This further proves how careless, inefficient, disorganized and cruel this bank is. I have some of my correspondence with chase ( letters and recorded telephone conversations) I write this petition for you to investigate this matter and bring chase bank to book. Thank you XX/XX/
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I am writing to file a formal complaint against Chase Bank due to the sudden closure of my account without any prior notice or valid explanation. As a longstanding customer with a commendable history of financial responsibility, I was surprised and distressed by this unexpected action. Despite numerous attempts to obtain clarification from the bank, I have not received any satisfactory explanation for the closure of my account. The sudden closure of my account has caused significant inconvenience and financial disruption. Without any explanation from Chase Bank, I have been unable to understand the reason behind this decision or take appropriate measures to resolve any potential issues. This abrupt action has not only impacted my personal finances but has also caused me considerable stress and frustration. I request your urgent intervention in this matter to ensure that I receive a clear and valid explanation from Chase Bank regarding the closure of my account. Additionally, I seek your assistance in ensuring that Chase Bank adheres to all relevant banking regulations and standards, providing customers with transparent communication and fair treatment. Enclosed with this letter, please find copies of all relevant documents related to my account with Chase Bank, including any correspondence that I have attempted to initiate with the bank regarding this matter. I am hopeful that with your assistance, I will be able to resolve this issue promptly and receive the necessary information to understand the reasons behind the sudden closure of my account. Thank you for your attention to this matter. I look forward to your prompt response and resolution of this concern.
Company Response:
State: DC
Zip: 20017
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I was being scammed by someone claiming that they were with XXXX XXXX. Before I caught on, they had reverse previous bills that were already paid. I called Chase Bank to stop the investigation, they replied that once they started it could not be stopped. I explained that it was not me, and that you did not do a complete verification of my information. And why did you not think that something was wrong when the reversals of all paid accounts went back XXXX months. I tried to get them ( Chase ), to repay all of the accounts, as of today they still have not paid any accounts. I explained that my water will be turned off if they do not immediately pay the water company. I have been on the phone for hours, with no luck. My last call I was told that the verification 's system was down, that I should call back in XXXX to XXXX hours later.
Company Response:
State: OK
Zip: 74055
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: On or about XX/XX/2020 I opened a bank account with JP Morgan Chase using a check from a payday loan. When I went into the branch I was advised that my account had been closed and Chase no longer wanted to do business ' with me. unbeknown to me, The check i deposited was a fraudulent check. I gave them the debit card back and exited the building located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. I decided recently to open an account with Chase and I came to find out another account was opened in my name that I had no knowledge of. And some how over {$1000.00} was deposited in that account. Going by the statements The account was opened with over {$1000.00} deposited into that account from my wife 's account and the account had one transaction which was foreign currency in which I have no experience with and have never traveled abroad. The rest was debited at {$12.00} per month in service fees for 3 years. The account remained dormant. I am demanding all of my money back that was debited from my account as I was completely unaware of this account. And it appears my wife 's account had been breeched as well. As she had no knowledge of the funds transfer. I dont understand how a bank can allow an account to be dormant for over XXXX and not report the funds to the state of XXXX
Company Response:
State: FL
Zip: 33176
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
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: Dear CFP, I am writing to express my complaint regarding Chase Bank 's handling of dispute fees, which I believe is indicative of corrupt practices. They have also used various means to avoid opening a dispute. During my initial conversation with them, they instructed me to upload certain documents. However, after doing so, they changed their stance and requested that I mail the documents. It appears they are unsure of how to properly address the issue. Sincerely, XXXX
Company Response:
State: TX
Zip: 78626
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received XXXX emails today from Chase Bank stating that i applied for credit cards and they needed more personal information from me. I called and reported it. I did not apply for credit cards and my XXXX XXXX has all of a sudden taken a major hit with Chase Bank when i checked it and also with XXXX XXXX. I froze all my credit card accounts. I'm not sure what else to do at this point.
Company Response:
State: SC
Zip: 29412
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In accordance with fair credit credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states, I have the right to privacy 15 usc 1681 section 604 A section 2 it also state consumer reporting agency can not furnish an account without my written instructions. Under 15 uscs 1666B creditor may not treat payment on a credit card account under an open consumer credit plan as late for any purpose
Company Response:
State: FL
Zip: 32819
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: According to Chase Bank NA 's system, at XXXXXXXX XXXX. EST, on XX/XX/2023, Chase Bank NA received a request for an ACH payment from XXXX XXXX of {$5600.00} for a payment from my account. At XXXXXXXX XXXX. EST, on XX/XX/2023, Chase Bank NA made available a direct deposit transfer into my account of {$8000.00}. However, Chase Bank NA organized the transactions to reject the ach payment request from XXXX XXXX for insufficient funds causing me additional transactional fees. However, I was in the online banking system at XXXXXXXX XXXX EST, and the XXXX XXXX transaction was posted, showing a negative amount in the account and requesting immediate payment to prevent overdraft fees. At XXXX XXXX EST, when I checked the system it no longer showed the transaction but now showed the deposit. When I called to inquire as to why this happened. I was told the transaction was rejected for insufficient funds ( even though the funds were in the account- when the transaction was rejected ). This seems to be a pattern and practice with Chase Bank NA, when there are debits and deposits pending, Chase Bank NA process the transactions in a way that either rejects certain transactions ( causing return fees ) or charges overdraft fees ( even when the funds are there ). I believe I have been cost over {$2000.00} this year alone in fees. Each time I am told the system processes the transactions according to the order they are initiated, but my experience is this process has been programmed to cause as many fees to be generated as possible regardless of the order they are initiated. The funds for today 's deposit were available in my other banks ( XXXX XXXX XXXX XXXX ) as of XXXXXXXX XXXX. but not Chase. So I am left to assume this is purposeful. Chase Bank NA has not taken any action to make any of the fees or transactions right.
Company Response:
State: CO
Zip: 80014
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A