Date Received: 2023-10-27
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Chase refused to close my empty checking account and delete my personal data. I submitted two requests via secure message while logged into my account to accomplish these two tasks. Chase is demanding that I appear in person at a branch. I am asking you to instruct Chase to close my account and delete my personal data without any further action on my part. The reasons why it should be unnecessary to go to a branch to accomplish these two requests is because ( 1 ) I submitted the requests via Chase 's secure message system from which I am logged into my account, confirming my identity, ( 2 ) visiting a branch in person is arduous, and ( 3 ) I have previously been unable to accomplish a basic account update in person at a branch ( which was my reason for submitting the requests electronically ). Regarding # 3 above : I visited the branch where I opened the account twice after the account was opened ( two months ago ) to resolve a problem with the account title. Both times I delivered proper paperwork to effect the change ( a certification of trust ), once on another bank 's form and once on Chase 's form. After receiving my next statement and realizing the branch never made the change, I reached out to Chase through secure message to have the change made, but was instructed to go to a branch. Having already been there twice with no resolution and unable to accomplish it electronically, I transferred the assets out of my account ( through Chase 's website ) and requested that the account be closed and my data deleted ( also through Chase 's website ). Visiting a branch is arduous and, as I learned trying to correct the account title, ineffective. Further, I have not been given any explanation why my physical body must be present in a branch to accomplish my requests. In the present electronic age I assume Chase would permit me to open an account via secure website connection. It should permit me to close an account that way too. The reason for me involving your agency is because I believe Chase is putting its minor business interests above the major impact its actions have on consumers. Chase could be motivated to keep my empty, " zombie '' account open for as long as possible to charge me a maintenance fee and/or retain my personal data for marketing purposes. But an open account affects my credit score, and retaining my personal data unnecessarily makes it available to hackers. ( The business and the consumer should be allied about the risk of data hacking in this instance, since failing to comply with my request to delete my data makes Chase liable for a future theft of my data from them. ) Please instruct Chase to comply with my repeated requests to close my account and delete my data. Thank you for your consideration. Attachment : Secure message exchanges
Company Response:
State: CA
Zip: 911XX
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was told over the phone that the card use was XXXX meaning my ex had the physical card, but I was told originally that all the transaction reports showed that those were made off a mobile device that is not mine at places I dont go.
Company Response:
State: TX
Zip: 75075
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I am writing to report a concerning issue regarding a series of unauthorized transactions on my Chase bank account. On the dates of XX/XX/XXXX and XXXX, a total of ten unauthorized transactions were posted to my account. I promptly reported this issue to Chase bank within the same week. Chase bank acknowledged my report and conducted a thorough investigation into the unauthorized transactions. Subsequently, they accepted my claim and credited the disputed funds back to my account. However, to my dismay, on XX/XX/XXXX, I observed that Chase had reversed their decision and deducted the refunded amount from my account. In my conversation with Chase customer service, they replied to me back that the transactions were used by using my phone and face ID, asserting their inability to resolve the matter and refund the money. It is crucial to highlight that during the period when these unauthorized transactions occurred, I was on a business trip in Texas and did not utilize my Chase debit card. I kindly request you to verify this information by examining the flight ticket receipts and XXXX trip records that clearly indicate my presence at the airport on XX/XX/XXXX and my subsequent journey to XXXX, Texas. Additionally, I have attached supporting documents which demonstrate the fraudulent nature of these transactions. The transaction descriptions specify that the payment methods used were 'in person ' and XXXX, ' despite the fact that I was engaged in a training session at the time and have never possessed a XXXX account or used it for any transactions. I am deeply concerned about the resolution of this matter, as these unauthorized transactions are not only financially burdensome but also a breach of my account security. I kindly request your assistance in rectifying this situation promptly. Please feel free to contact me based on my information that I have provided to discuss this matter further.
Company Response:
State: NJ
Zip: 073XX
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I am JP Morgan Chase customer for over 15 years and has banked at the same bank for XXXX years ( it was WAMU before Chase ). I deposited {$54000.00} check in person on XX/XX/XXXX at local Chase branch. The receipt provided had a statement that stated that according to their information the other account did nor have sufficient funds. That was a blatant lie. Chase put 7 business day hold on the deposit. I thought this is standard process and check will be released as soon as funds clear from my other ban account. BOTH BANKS ARE IN SAME TOWN WHERE I LIVE AND ARE LOCATED WITHING XXXX MILES. Hold was not lifted NOR my check was presented for payment to my bank. ACH should not take any time. I called chase bank and Chase rep. in my presence verified that check has cleared, however hold was NOT removed.
Company Response:
State: ID
Zip: 83404
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
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: I paid for a flight on XXXX XXXX, business class for me and my wife on XXXX. The return flight, our seats that were supposed to recline flat for rest on a XXXX hour flight, and the tv monitor with movies, did not work for me and my wife. The airline would not give us a partial refund from a very expensive flight ( {$3200.00} each for that segment from XXXX to XXXX ). I asked chase sapphire to intervene, claiming that the advertised perks of Business class were not provided to us. I asked for 10 % of the flight to be returned, which I believed to be very reasonable. The dispute was rejected, stating that the credit card company delivered the service by transporting us. My dispute is that I could have been transported in the baggage compartment and according to the cc company, that would constitute satisfaction of the terms under which I paid. The service I and my wife received was clearly not as advertised by the airline, and Chase should have worked this out for us.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This relates to a Credit Card ending in the four digits XXXX. On XX/XX/XXXX I was charged an annual fee of {$99.00} by Chase Credit Cards. I closed the account on XX/XX/XXXX and as communicated by their documentation and to me orally, as long as it was cancelled within the first 40 days after an annual fee assessment, it would be refunded. I began calling on XX/XX/XXXX requesting the refund and kept being told it would happen " automatically '' within XXXX billing cycles. I continued to call during this time period and received no relief. I was referred to multiple Supervisors during this time period and was told my case was being escalated. On XX/XX/XXXX, I talked to a supervisor named XXXX and she said she would escalate the issue again. Then I noticed that my credit card noted above was no longer available to view on my User Log On. So I called again on XX/XX/XXXX and spoke to a supervisor in XXXX, MO named XXXX, and he said he'd refer the matter again and I'd hear something soon. He had to make any new noted on this issued under another accounts since the convienently " purged '' all records, conversations and data from the card ending in XXXX. I've called again on XX/XX/XXXX and XX/XX/XXXX and condinue to get nowhere. Only told I need to speak to a supervisor, however, to do that the telephone wait time is over XXXX hours.
Company Response:
State: TX
Zip: 77381
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: - Made payment to XXXX on XX/XX/2023 for using their movers+packers services through Chase Bank XXXX XXXX XXXX transferred $ XXXX $ XXXX {$400.00} which was successful but I got a call back after XXXX mins that this account is unrecognizable so mobile transactions through app will be blocked. - I called bank on next working day and my mobile account transactions were restored. - Between XX/XX/XXXX my account was debited for {$1100.00} towrads Siyung account without my acknowledgment of that payment. - On XX/XX/XXXX I filed a claim calling Chase customer care and they asked me to - change password on on both mobile and web transactions and sign in again and my account was temporarily paid {$1100.00} claim. - Later in a weeks around XX/XX/XXXX my account was again debited with {$1100.00} - When I reached to Chase bank office on XX/XX/2023, I was mistreated by heir staff, yelled at by their Banker and humiliated by their employees as accordign to them they couldnt do anything about it. They called police and asked me to close to bank account with them which I happily did to avoid any future threat to my money or myself. In front of the police, they obliged to pay me all the amount I had in my account via cash ; however I was all the data on my app was changed so I couldt take any screenshots. Though I still have proofs. I am a single mom of XXXX minor kids and my bank funds are our sole means for livelihood and the way I have been threatened by bankers has put me into tremendous fears for myself and my kids
Company Response:
State: CA
Zip: 95014
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Applied and was approved for a Chase XXXX Mastercard in early XXXX XXXX When I received the card, as I am vacationing in XXXX, I used the card in various places. However, on XX/XX/XXXX ; all charges started to get denied with no text message or email warnings that the card was flagged. Tried using the card online at XXXX to pay rent, in person at XXXX XXXX, XXXX and at a grocery store, each time declined. When I called the number, I was patched automatically to fraud department which was not even able to open my account on their system. They pulled up someone else 's credit bureau report and asked me questions regarding an unknown person and they could not even authenticate my information or find out what my phone number was while on the phone. Chase said they would call me back Chase said they would probably call me back in 48 hours between XXXX XXXX XXXX XXXX which is not acceptable as the card is simply not working at all and I was able to use a XXXX XXXXXXXX XXXX instead
Company Response:
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: I wish to practice my right as a customer of JP Morgan Chase to use your organisation 's service, seeking a formal, impartial investigation to amicably settle my dispute with JP Morgan Chase. In order to clear up the myriad of letters and correspondences I have XXXX sent to JP Morgan Chase respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case, and analysing the relevant facts in an objective and comprehensive fashion. It is crucial to note that I have been manipulated, socially-engineered and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognise that I am the victim of an investment scam. My complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct of JP Morgan Chase to be commensurate with their legal role and responsibility to their customers. They sell a service to look after their customers, protect their money and are a financial institution that maintains a traditional relationship and way of working with its customers. During the complaints process with JP Morgan Chase, I found their communication ineffective, which further hides their conduct to management and diminishes the service offering to their clients. They are struggling to adapt their business offering in the ever-changing world of IT development. The internet is presenting a real problem which they choose to manage in a way which is not in line with rules and regulations of CFPB as well as their own internal policy and procedures sold to their clients.
Company Response:
State: NY
Zip: 11235
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: We opened a business account with Chase on XX/XX/. We provided all the necessary information including a physical address for our office ( rental space ). A month later when we tried to use the debit cards- they were declined. When we called the Chase customer service line, they said that the account has been closed. We contacted Chase, who stated that after a few days of opening the account, Chase compliance team said they were not able to verify the physical address and tried to contact us. As they were unable to contact us to verify the account they closed the account on XXXX/XXXX/XXXX. The whole time we were able to log into the Chase portal and the mobile app and view our account but were not notified via the Secure Messages that there was an issue with our address. They said they emailed us and called us, but we did not receive either. We asked them for evidence of this - but Chase was unable to provide us with any documentation that this had occurred. Meanwhile we received many marketing emails from Chase trying to sell us more services/banking products, but they did not send us the most critical email needed. So the account was closed and could not be reopened. We had to open a new account. Chase neglected to inform us and, without providing any substantiating evidence, left us with doubts regarding the veracity of their claim that they had sent notifications. Meanwhile, they displayed a willingness to inundate our email inbox with unsolicited marketing messages.
Company Response:
State: GA
Zip: 30188
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A