Date Received: 2023-10-26
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XXXX XXXX, Chase closed my checkings and savings accounts saying that they think XXXX checks I deposited in XXXX are suspicious because they couldn't verify the issuer of the XXXX checks. By the time they closed my accounts, the remaining balance is around {$5800.00}, and Chase has been freezing my money for over XXXX and a half months. I have contacted Chase customer service multiple times, but the customer representative keeps telling me they are going to hold the funds, and they can hold it for as long as XXXX years. And today I received a call from the issuer of the XXXX checks verifying that the funds have been cleared from their end, meaning the money is already in the Chase system. I have to sell my car to cover my living expenses for the past XXXX months and this has caused so much incovenience for me.
Company Response:
State: MI
Zip: 48105
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/XXXX, I received a loan from XXXX XXXX in the amount {$350.00}. On XX/XX/XXXX, XXXX had my account was restricted and I couldnt access the account. My Social Security check was deposited on XX/XX/XXXX. XXXX refuses to release my funds which I will have to pay a penalty of {$25.00} per day. I was told it would take XXXX days to process my refund and the account will be permanently closed.
Company Response:
State: FL
Zip: 32822
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I am writing to report a severe case of identity theft that occurred on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, someone used my name, email, and social security number to open a Private Client Checking account with Chase Bank. Chase Bank assured me on XX/XX/2023, that they closed the fraudulent account, and I froze my credit with XXXX and XXXX for protection. However, on XX/XX/2023, I received an email notification from the supposedly closed account ending on XXXX, indicating a new statement was available. This suggests the account remains open, revealing a security lapse on Chase Bank 's part. I urgently request the Consumer Financial Protection Bureau 's investigation to help with this situation and prevent further harm to my financial security.
Company Response:
State: FL
Zip: 33145
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: On XX/XX/2023 I received notice my application for a new Amazon Prime Visa Signature account was denied when I had never initiated an application for one. I called Chase who issues the card on behalf of Amazon Prime to inform them I had never applied for credit. When they asked for my social security number to reference the application I refused to provide it. I told them if the credit application had been submitted correctly they would already have my social security number, and an application submitted without the number was proof it was submitted without my consent. They refused to confirm or deny there was a social security number. They stated they could not remove the denial of credit from credit reporting agency records without my submission of my social security number. I believe proof I never applied for a new AMAZON PRIME Visa Signature card account is validated by the absence of my social security number on/ with the application in their possession.
Company Response:
State: IL
Zip: 60202
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
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: On XXXX XXXX XXXX, I went in to make a bulk t-shirt order at The XXXX XXXX for my clothing business. I have worked with them in the past 3 times and had no issues until my forth time. They charged me {$400.00} for my order and we agreed on a date when the shirts will be done for me. Couple days past and The XXXX XXXX will give me the run around of when they'll have the shirts done. By XX/XX/XXXX I asked The XXXX XXXX for my money back if they were not going to do my order. I didn't get a response back. I texted them again that same day and got no response. So I filed a claim with my bank. My bank did give me my funds back that same day. Today XX/XX/ my bank took the {$400.00} and credited it back to the merchant. I called Chase which is my bank and they told me the reason why they credited the money back to the merchant was because the merchant provided a receipt stating that once I pay I agree to my order being picked up. At The XXXX XXXX, that was never brought up and it was a requirement for me to pay the full amount of money in order to even get my shirts done. I have the text messages of me texting the owner of XXXX XXXX XXXX which his name is XXXX. The phone number Im texting is also linked the business if you search it up on XXXX. I tried my hardest to getting in contact with the merchant and they just ignore me.
Company Response:
State: CA
Zip: 90011
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Managing an account
Subissue: Problem with renewal
Consumer Complaint: Dear Regulator, I do not want to renew my CD at maturity. This preference can be mentioned at CD opening account or before maturity. All other banks offer this feature and capability to set renewal preference. I have open two CD accounts in 1st of XX/XX/2023, it is keep renewing automatically without my preference. Even customer representative can not change renewal preference, I have to call them one day before maturity.
Company Response:
State: IL
Zip: 60193
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XX/XX/XXXX i was told the money was being put back into the account and not to me as in the past and this could not be changed
Company Response:
State: TX
Zip: 77532
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I was told that my bonus would be placed on there on XXXX separate occasions. I called on XX/XX/XXXX and XX/XX/XXXX and both times was told its on there and to wait XXXX weeks and its been more than XXXX weeks and nothing. I called again on XX/XX/XXXX and was told I am not eligible for any offer. I was told when I signed up my bonus would be XXXX bonus points after spending XXXX dollars in the first 3 months. I hit this milestone and then I was told to wait and it would be awarded and it wasnt and then I was told it wouldnt be awarded and wasnt a promotion for this card. I have the Southwest rapid rewards plus credit card.
Company Response:
State: WY
Zip: 82604
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Went to Chase Bank to deposit XXXX USD from my parents since she knew I wanted to save up for shoes whilst also still having remaining money in my checking, and on the street there was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He asked me quickly if I banked with chase, and ushered me inside of the building where the ATMS were. There, he told me that his account was overdrafted and he desperately needed money, and handed me roughly XXXX USD, which I was still confused about since he was talking so fast. I didn't want to do anything quickly because he was significantly larger than I was, and I didn't know if he was going to harm me since he was beginning to be more impatient and started pacing around since there was a line at the singular ATM working at the time. When we were up in line, he told me to put my debit card in and the PIN and he grabbed a check from his pocket, and at this point, he hasn't told me how much he actually needed until I saw XXXX pop up, in which point I was starting to actually panic, and to my surprise, the check went through on the ATM, and he tried to initially withdraw XXXX USD from the ATM after depositing his check, to which I asked him why, and he said it was a mistake. He then told me to pull up my phone email since the ATM declined the transaction, and when I did, he reached down and confirmed that the transaction was legit, and I got freaked out from that. After that, he withdrew his XXXX from the ATM and quickly took the money and sprinted out, after that, I just deposited my money, including the extra XXXX dollars he had given me prior. A day later, the check bounced when I expected the ATM fraud detection to catch it when it went through at the atm.
Company Response:
State: NY
Zip: 11223
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have a Chase Amazon Credit Card which had a {$4500.00} balance at the beginning on XX/XX/XXXX. I paid off my {$4500.00} balance in full on XX/XX/XXXXXXXX prior to the close of the billing period. I also made new charges of {$540.00}. Chase Amazon charged me {$71.00} INTEREST on a {$540.00} balance. The statement says I was charged for a Balance Subject to Interest Rate of {$3100.00}. I should have the ability to pay off my previous month 's balance BEFORE the next billing period and not be charge interest on a balance that was paid off and was XXXX! I also should not be charged {$71.00} Interest on a {$540.00} newly incurred balance. My previous balance was paid in full and I should not be getting charged interest on new purchases until the start of the new billing period.
Company Response:
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A