Date Received: 2024-01-11
Issue: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: I sent three {$230000.00} international wire transfers in XX/XX/2023 for emergency use and the Chase bank send one of them and cancelled the other two transfers, and closed my account without giving reasons at the end of XX/XX/2023. I consistently contact the bank since then, and the Chase Bank said that they will send me a cashier 's check and a letter to explain the reason of the closing of my account in 16 business days. However, I haven't receive any check tile now and got the letter on XX/XX/XXXX with the letter indicating the issuing date of the letter on XX/XX/XXXX, and in the letter, there had no explanation on the reason of the account closing except saying they are closing my account to protect me. By their instructions, I submitted the official document of the wire that I received from my father before sending the three wires by going to the Chase Bank Branch and uploading the documentation through their platform. After satisfying their requirement, they asked me to submit an extra note from my father with signature on it, which I also submitted by the same method, with other supplemental documents that they haven't asked for, including documentations to prove of my relationship with my father, the ownership of my father and his company sending the wire, and the translations of any documents that are in XXXX. However, after about 2 weeks of reviewing, they rejected the documents and clarified all the information they provided was misinformation, and said that they can only accept voice verification. However, they do not accept international calls and my father must register a US phone number under his name, or he has to recall the wire. As my father 've consulted his bank that he can not recall the wire, and since he is in another country, he can not come to the US for registering the phone number. The Chase Bank refuse to provide any other resolutions to release my money suspended by them for 5 months without giving any reason or explanation, and keep giving me all the misinformation that I've recorded in all the phone calls with them. I contacted the Bank regularly through both making designated calls and going to the branches since XX/XX/2023, and got refused to provide any more information on the progress, including date for check releasing, contact methods of the organization/ department in charged, and any kinds of updates. As indicated by multiple calls that I recorded, only the back office of the Chase Bank can decide if they will release my check, which does not have any form of contact, including phones, emails, or fax. The progress have not been updated until XXXX, and they've kept giving misinformation that does not consistent with their previous statements, and requiring me new things after I satisfied what they were asked leaving me to wait in a week each time. I currently want to get my money back which they claimed to do so 5 months ago and have a direct resolution on this issue.
Company Response:
State: CA
Zip: 92612
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Other transaction problem
Subissue:
Consumer Complaint: I opened an account on WePay XXXX XXXX XXXX to enable online ticket sales for our XXXX XXXX XXXX. Over the next five days we sold 10 tickets valued at {$720.00}. On XXXX XXXX, customers reported not being able to pay for their tickets as their payment method was declined. I reached out to WePay and was told our account was closed due to being " High Risk '' and that all our funding would be held for 120 days to cover chargebacks on the account. On that same day I requested to know why our account was closed and what we could do to rectify the situation and get the money back. On XXXX XXXX I was emailed by a customer service agent saying " after a standard review of the account, our Trust and Safety team has determined that we will not be able to provide our services. All information regarding our review process is proprietary, so no additional information is available in these instances. '' A company shouldn't be able to hold our money and not give us an answer as to why. Last time I checked that's the same as theft. 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. Now we have a commitment with the venue that we've already paid a deposit for and no way to meet that commitment unless one of us takes out a personal loan to cover the deficit. 120 days from now will be far too late to rectify any of this. All I want is the money back so we can continue with our plans and we'll take our business elsewhere.
Company Response:
State: MS
Zip: 39501
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: this notice to opt out was sent to all companies listed on XX/XX/XXXX. IN VIOLATION OF 15 USC 6802-15USC 6805 ( OPTOUT ), THE PRIVACY ACT OF 1974. AND IT IS ILLEGAL TO REPORT TRANSACTION HISTORY WITH OUT THE WRITTEN CONSENT OR INSTRUCTION OF THE CONSUMER. XXXX XXXX XXXX- {$400.00} XXXX XXXX- {$300.00} MN CHILD SUPPORT ENFORCEMENT {$2300.00} XXXX XXXX {$300.00} XXXX- {$31000.00} US DEPARTMENT OF EDUCATION {$3800.00} US DEPARTMENT OF EDUCATION {$6200.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$9800.00} XXXX XXXX {$1600.00} XXXX XXXXXXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} US DEPARTMENT OF EDUCATION- {$6200.00} XXXX XXXX {$5500.00} XXXX XXXX {$3500.00} XXXX XXXX XXXX {$9800.00}
Company Response:
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
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 was a victim of identity theft in XXXX of XXXX. My phone number, email, social security number, checking and savings accounts along with various credit cards in my name were all hacked. I was able to resolve all of the above issues except for my XXXX XXXX Chase XXXX cards which I had not previously used. Someone was able to obtain the card information and download it onto their phone ( I still have the card in my posession ) they then charged in XXXX day almost {$10000.00} to the card from XXXX. I have reported this several times to Chase and they have said they have investigated but not removed the charges 3 times. The last time I called on XX/XX/XXXX, they reopened investigation again and asked me to send a copy of my credit report showing that I have a security freeze on my account which I did. They said they would respond in 4 days but when I called again this morning, they gave a run around answer and said it will be XXXX more days. I am currently battling XXXX XXXX XXXX and the added stress of this situation is detrimental to my health. Please advise if you can help. Thank you, XXXX XXXX
Company Response:
State: OR
Zip: 97301
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I opened a new Business account with Chase Bank - there were many issues establishing the account and resulted in my going into the branch multiple times to verify documents, etc. After less than a month I received an alert of fraudulent activity ( transactions did not go through ). Chase XXXX XXXX ( XXXX ) called me numerous times on XX/XX/XXXX to straighten this out. I was given options and I chose the most severe offered : to block the transactions, cancel the card number and send a new card to my mailing address, which was verified. A week later, I still had not received the card, when I simultaneously received a phone notification and a call from Chase XXXX XXXX that there was additional fraudulent activity on the account - XX/XX/XXXX. I was at first very incredulous - how could there be fraudulent charges when I hadn't even received the new card yet? They made a comment about an alternate shipping address. " What alternate shipping address? I don't have an alternate shipping address ... I have one address, the one I verified with the agent last week. '' He stated that the transaction had been done on an XXXX XXXX using " XXXX XXXX ''. I've been an XXXX user since the original XXXX- no XXXX in this house. The representative then informed me that he saw where someone had called in, failed verification and yet was somehow allowed to provide an alternate address. So Chase had shipped my replacement card directly to the criminal! The rep told me he was putting notes in the system that someone was actively calling in and trying to access my account- this was confirmed by my local branch Business Manager, XXXX, with whom I had opened the account. The rep asked me to verify charges - there were a total of 13 charges that were not made by me, authorized by me, and was unaware of until Chase reached out. I said no to all 13 and opened a dispute. The criminal was making small purchases of $ XXXX each and then getting {$200.00} cash back until they cleaned out my account. It was only AFTER the account was empty that I received the fraud notification. 11 transactions in a row taking {$200.00} in cash back at a grocery store? I'm not even in the banking industry and can see that is clearly suspicious behavior. Days later, XXXX called to inform me that Chase had denied my dispute stating that I had authorized the transactions. Absurdly inaccurate so XXXX and I appealed the decision and requested to reopen the case. Chase agreed. I called in and notified them of my police report number to show them I was taking this very seriously. A week or so later, XXXX reached out again to inform me that they'd closed the case again, this time refusing to reopen the case, citing that they were clear of responsibility as the original PIN code had been used. Now, I was initially confused about how the criminal could have gotten my card number until I learned Chase sent it directly to them, but I am still baffled by how they could have attained my PIN code. It was a brand new account and there were 3 individual instances where the PIN was used : at a desk in the branch when opening my account, in the inside lobby of the same branch when I deposited ~ {$900.00} ( XX/XX/XXXX ) and then a couple weeks later at an ATM in Chase 's parking lot, again depositing cash ( XX/XX/XXXX ). To me, it feels VERY suspicious that Chase sent my card to the criminal and somehow they had my PIN number and now refuse to help me get my business ' money back, especially when the PIN was ONLY used at Chase, in privacy, never in public. My wife doesn't even know my PIN! I called and was escalated to a supervisor where I requested to be sent notes from my calls, or transcripts or even call logs. I was verified, including the new account security password I'd set up, but they still refused. ( XX/XX/XXXX ) I was at XXXX in the XXXX XXXX area getting my tires changed when the fraud occurred in the suburbs of XXXX. I have timestamped receipts proving such. I now have XXXX police report numbers, have placed a freeze on my credit, have filed an FBI IC3 Fraud Report, opened a formal complaint with Chase and will be reporting to the FTC & the Attorney General.
Company Response:
State: MO
Zip: 640XX
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
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 pre-ordered a TV on XX/XX/2023 through Amazon.com with an expected delivery of XX/XX/XXXX. The TV was actually sold through a company named XXXX. They provided a USPS tracking number which I can track through Amazon. On the day of delivery, I received an invoice and a letter claiming XXXX will reach out at a later date to deliver the TV. After contact XXXX for a refund, the person on the phone refused and said they would call me back, which never happened. Amazon support would not refund me because the amount exceeded the support agents refund limit and had to escalate. I decided to dispute the charge with my credit card providerChase. Because XXXX provided a tracking number for the invoice, Chase has decided that the transaction was valid and not their problem. I eventually received my refund, but now Chase is re-billing me the amount, claiming that they front-ed me the amount charged and are trying to get their money back. They also point to my refund from Amazon in my statements as the credit provided by Chase during the dispute. I appealed the decision and provided an email from Amazon indicating they refunded the amount, but Chase has denied the appeal and will not respond to further appeal attempts.
Company Response:
State: CA
Zip: 95128
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Chase bank has a tool called XXXX XXXX where you can send a link to your clients for debit or credit card payments. In my case, my construction company completed a lighting installation job in a warehouse for a total invoice of about {$30000.00}. I agreed with my client to receive multiple payments over time. The first transaction, {$7000.00}, went smoothly using Chase 's tool. However, WePay blocked my account for the second payment. I contacted the bank, and they advised me to appeal the decision via email. After providing invoices, email conversations, company documents, and social media details, they unblocked my account. Initially, I thought it was a security measure due to fraud suspicions, so when they unblocked me, I assumed everything was clear. To my surprise, when I attempted another transaction, they blocked me again. Not only that, but they also kept the {$10000.00}, which my client and I no longer have. Bank agents are unable to assist, impacting my business and payment obligations.
Company Response:
State: GA
Zip: 30519
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Stop reporting false information according to Section 15 USC 1681 spreading misinformation damaging my credit. This is inaccurate information reporting late payments past balances on my behalf which are illegal.
Company Response:
State: NY
Zip: 10462
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX Reported several unauthorized transactions on my daughters high school checking account. Rep shared her access was cloned and disabled the digital wallets that were not hers. Debit card and online account was compromised. All disputed transactions were temporarily credited. All but one was settled. XX/XX/23 XXXX for $ XXXX no such contact in XXXX/ XXXX XXXX XXXX date on letter - Received notice that claim is denied based on investigation with XXXX. I called and was told XXXX determined that this was authorized by the account holder based on their research. I disputed that and was told I have to prove otherwise. I have no details of this investigation and know and they know her account was compromised/cloned in some way. They allowed someone to steal XXXX ( earnings from first summer job ) from a minor. I need information from them to fight this and they wont provide it.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was called the XXXX of XXXX by a number that matched the chase fraud department ( XXXX ( XXXX ) XXXX ) i was told that i had a few transactions that needed to be reviewed of potential fraud and needed to xfer funds from my account because some one logged into my bank app from a different state and was trying use XXXX at the same time getting notifications that matched up. i was very hesitant becuase I know not to share info, but after repeatedly checking the phone number online, i was convinced i was speaking with a chase agent. they also knew a lot of my personal information already which made it even more believable. i was asked to share a code sent to my phone so they could transfer to my " new account ''. i saw or did nothing but share code sent to my phone with the person on the phone. I then got another text saying the transfer is flagged for fraud and will be on hold until i call or will be cancelled on the XXXX of XXXX. at this point i called back the SAME NUMBER and was connected with the REAL chase service line and they told me the transfer had already gone through.. before the XXXX. chase allowed this to go through before speaking to me and now are denying my claims of fraud. this was almost my entire checking account. i have nothing left. 3 years of savings ... how will i pay rent!? my dog is scheduled for XXXX on the XXXX ... my life has turned upside down. please help me.
Company Response:
State: CA
Zip: 90034
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A