Date Received: 2023-10-31
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I had a personal checking account with Chase bank since XXXX, on XXXX they closed my checking account with no reason provided. After that couple times I have tried open new account but they denied with no reason. I never recived any letter about the denied open checking account.
Company Response:
State: CA
Zip: 91344
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: Funds not received from closed account
Consumer Complaint: I filed a previous complaint about Chase freezing and then closing my accounts ( XXXX banking and XXXX retirement ) in XXXX. I still have not received the funds nor any further update on their investigation.
Company Response:
State: TX
Zip: 75240
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I was trying ti withdraw money while on my trip to XXXX XXXX and the ATM did not dispense the cash but they deducted the money from my account. Nothing has been done on their end, this is stealing. They are keeping money that is not theirs
Company Response:
State: CA
Zip: 92505
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/2023, I applied for a new Chase XXXX XXXX XXXX, asking for a balance transfer of an amount of {$2800.00}. The card came back as approved for {$1200.00}, but gave NO indication that the balance transfer was partially approved. I got confirmation e-mails from Chase stating the card itself was approved, but not the balance transfer. I previously had a defunct account with Chase and when I tried to login and register my new card, it did not work. I called Chase and they said that I would have to wait for my credit card to arrive so I could register my account online. In the meantime, since the card was approved for less than the amount I needed for the balance transfer, I asked if I could set up a balance transfer from another bank. To clarify : I asked for a balance transfer from a XXXX XXXX XXXX card on my initial application for {$2800.00}. Since the card only came back as approved for {$1200.00}, I decided I would use it for a balance transfer from a XXXX XXXX account for roughly that amount. I asked Chase if I could set up a balance transfer while I waited for my card to arrive, but they said that would not be possible and that I would have to wait for the card. That was fine, there was no rush. In the meantime, I paid off my XXXX XXXX card entirely. There was no indication, at the time I did that, that there was a balance transfer pending from Chase. I paid off the XXXX XXXX card that day, XX/XX/2023. The Chase balance transfer shows up on my XXXX XXXX card on XX/XX/2023. On, XX/XX/2023. I sat down and went about activating my newly arrived Chase XXXX XXXX and set up my online account. As soon as I logged into it after getting it set up, I was greeted with a balance. At first, I thought it was fraud. I called their fraud line and told them that there was an erroneous balance transfer for {$1100.00} with a transfer fee of {$34.00}. They checked and told me the last XXXX digits the balance came from and I double checked my XXXX XXXX card. Sure enough, it was sitting at a - {$1100.00}. I was annoyed. There was no e-mail or any indication that the balance transfer itself was approved. I was told that there could be no transfer until I received and activated my card ( in a phone conversation with Chase on XX/XX/XXXX ) and the only confirmation e-mail I received showed that my account had been approved and my card was on its way. I asked Chase to rectify this by refunding the money back to XXXX XXXX. They indicated they could not do this and could not refund the balance transfer fee. I offered a solution in which everyone could win. If Chase waved the balance transfer fee of {$34.00}, then I would send the money back to XXXX XXXX and pay their transfer fee. Then I would transfer money from my XXXX XXXX card to Chase and pay the transfer fee on that balance instead. Chase said that this was not possible. Both the original rep and the 'manager ' said that they tried and that the system said it was an 'approved ' fee and that it could not be refunded. This seems like Chase 's problem, not mine. They did not give any indication that a balance transfer was approved or partly approved. They told me that even if I'd had online access, once the initial card agreements were signed, there would have been no way to halt the balance transfer. What? Seriously? They hid behind the contractual language but that's nonsense. You can't charge someone for something without giving them a clear receipt for the things you're charging for. That's what Chase did. And by the time they did give me a bill, it was too late and now I'm stuck with extra fees and a useless credit card from a company I have no desire to do business with. I offered a perfectly reasonable resolution which Chase insisted it could not accept. Wave the first fee. That's it. That's all I wanted. A small 'mea culpa ' of {$34.00}. Not a lot of money to Chase but it matters to me.
Company Response:
State: FL
Zip: 34209
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I'm requesting an investigation of Chase Bank for their error in processing a request to terminate an ACH payment to the vendor. Chase Bank mishandled a request in that I requested that they immediately block and terminate an ACH payment arrangement to XXXX. This request was made because XXXX XXXX dispatched a service installer to provide a Wi-Fi installation in XXXX of XXXX. The service provider, during or immediately after the installation stole numerous items from my residence. I opted to cancel the automatic payments to XXXX because of their poor response to the theft perpetuated by their employees. Chase Bank 's XXXX service center erroneously canceled payments made to XXXX XXXX instead of XXXX. When notified of their error XXXX issued a small credit in/around XX/XX/XXXX to XX/XX/XXXX, but they did not rectify the stopped rejected ACH payments from my Chase account to multiple ( 3 ) separate XXXX XXXXXXXX accounts which resulted in XXXX XXXX denying my ability to make check based payments and damaging my credit and fiduciary relationship with that utility.
Company Response:
State: IL
Zip: 60643
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Placed checks in the amount of {$11000.00} ; {$9000.00} into account on XX/XX/23 and bank placed extended hold until XX/XX/2023. Called bank and asked for reasons and bank said its a systematic reason on their end. Deposited checks are being held longer than period allowed under expedited funds act.
Company Response:
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In the last couple days I have had two hard inquiries on my XXXX credit report for credit cards that I have not applied for. Chase card and XXXX XXXX XXXX are not my doings. Can you help me?
Company Response:
State: MS
Zip: 388XX
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Since XX/XX/XXXX, Chase Bank has closed my account and has not returned the remaining {$18000.00} in my account. We need to live! We no longer have any money to live on! It has been 6 months and my money has not been returned yet! The answer they give is always to keep investigating! we need money to live
Company Response:
State: NY
Zip: 11220
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: To whom it may concern, Re : Fraud Claim XXXX This is my personal statement of the events and items that have transpired regarding my Chase checking account and credit cards associated. On Friday, XX/XX/XXXX, I was finishing up a conference and dinner with colleagues in XXXX XXXX, LA. We were headed home around XXXX that evening after dinner and some drinks. While heading back to the hotel XXXX XXXX XXXX XXXX, we separated. While walking, off the main strip ( XXXX XXXX ) I was pick-pocketed. They were able to lift the following items without notice : Wallet with Drivers license Various Credit cards Debit Card Phone Charges that were made were the following through chase : XXXX XXXX XXXX NON-CHASE ATM WITHDRAW XXXX XXXX XXXX ClaimId : XXXX ( XXXX XXXX ) ATM transaction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Purchase XXXX Cash Back XXXX ( XXXX XXXX ) Card - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Purchase XXXX Cash Back XXXX ( XXXX XXXX ) Card - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Purchase XXXX Cash Back XXXX ( XXXX XXXX ) Card - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Purchase XXXX Cash Back XXXX ( XXXX XXXX ) Card - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Purchase XXXX Cash Back XXXX ( XXXX XXXX ) Card - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX ( XXXX XXXX ) Card - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX ( XXXX XXXX ) Card - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX ( XXXX XXXX ) Card - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX XXXX ) Card - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX ( XXXX XXXX ) Card - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX ( XXXX XXXX ) Card - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX ( XXXX XXXX ) Card - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX ( XXXX XXXX ) Card - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX ( XXXX XXXX ) Card - XXXX XXXX XXXX XXXX XXXX NON-CHASE ATM WITHDRAW XXXX XXXX XXXX ( XXXX XXXX ) ATM transaction - XXXX XXXX Unfortunately, currently, XXXX is allotting 21 - 28 days excluding weekends and holidays to process temporary reports. At that time, I will be able to provide the full report. However, please have the temporary report number to reference should you need a reference : XXXX. XXXX can be referenced at XXXX. How they obtained my pin, was that the four-digit code to unlock my phone was also the pin for the debit card and cash withdrawals. I have since remedy that by utilizing a more secure password on my phone as well as the facial recognition feature now. They made several thousands of dollars worth of purchase at various locations outside of XXXX XXXX at XXXX gas stations and XXXX. When this was flagged by your system, due to them having my phone, they were able to respond to the fraudulent charges and authorize them as valid. Should they have provided proof, unsure if they did or not or just responded to the emails/texts for fraud alerts, they also had access to my ID for verification as well. I can attest that these charges were not made by myself or anyone that I have authorized. These are fraudulent charges. Please feel free to contact me for any further information.
Company Response:
State: IL
Zip: 60613
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am writing to dispute the recent incorrect charges and late payments that have been reported on my JPMCB account. This account was closed in XXXX, and I am concerned that late payments for XXXX are being inaccurately reported. I request your immediate attention and assistance in resolving this matter as this has caused me extreme financial harm. I have carefully reviewed my credit report, and I was surprised to find that late payments are being reported for the year XXXX on the JPMCB account. This is inaccurate as the account was officially in XXXX, and I have not made any transactions or late payments on this account beyond that date. These inaccuracies on my credit report may negatively impact my creditworthiness and my ability to obtain a home. The Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies maintain accurate and up-to-date information on consumer credit reports. I encourage you to view the documentation that I have attached to this compliant as it contains the letter I've sent to XXXX and JPMCB, along with a copy of the inaccurate reporting.
Company Response:
State: FL
Zip: 33619
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A