Date Received: 2023-10-13
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My Chase debit card account was closed directly without my notification or knowledge, and I still have about XXXX dollars in my debit and credit accounts. After I called and asked about it at that time, the customer service did not explain the reason to me, but just said that they would mail me a letter about the reason and send me a check for the money that was in the account after they finished their review. I was very confused and felt aggrieved that this was being done to me when I had done nothing, but I was willing to respect Chase and trust that I would be dealt with fairly. After a month of waiting for Chase to process my case, I still have not gotten any results or even my deposit returned to me. After calling several times to inquire and making inquiries at the branch, I still have not received an accurate answer, and it has even turned out that I may not be able to get back the money that belongs to me and that I deposited in my account for myself. First of all, I think this whole thing is outrageous and unfair. Chase locked my account and did not even return my deposit to me without any notice or reminder when I was just making normal deposits and withdrawals. Secondly, I have requested several times if the investigation can be expedited and if my normal deposit can be returned to me first, because I need to re-rent my apartment at the end of XXXX, and the money I have in my original Chase account is the money I use to rent my apartment, and I don't have any extra free money to use to pay the rent, and if Chase can't return my money before the end of XXXX, or even doesn't want to return it to me, I have no way to pay rent, which means no way to have a residence. Their behavior has very seriously impacted my life and has left me without even the most basic means of living. I don't want to believe that Chase would engage in this kind of robbery, but I have a clear conscience that I didn't do anything illegal with my money, so why should I be subjected to this kind of unwarranted suffering? I would like to believe that there is suspicion and vigilance on their side, but I believe that I have not done anything bad myself and that all my previous financial records prove my integrity, then I am not willing to suffer such suspicion or even take my own money for nothing to the point where it has now affected my basic life. Please at least give me a clear reply and return my own money to me instead of being vague and delaying it to the point where I can't even maintain my normal accommodation.
Company Response:
State: NY
Zip: 10016
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was scammed by a XXXX job ad and was offered a position with a company to work remotely. They never asked for any of my bank information and used the names of employees the companies website had to make it seem like it was legitimate. On XX/XX/XXXX, I was sent a {$1000.00} check to deposit to purchase equipment for the position. Chase Bank did catch the check and let me know it was fraudulent and I told them everything above. Initially I was sent a letter on XX/XX/XXXX that said no action would needed to be taken and then a few days later they froze my account without notifying me at all. I have attached what was sent as a notice. On XX/XX/XXXX, I sent a message through the Chase app to inquire about what was going on and they have me no information, Chase locked my account on XX/XX/XXXX due to this claim being against my account and that was all the information they could give me. No money was spent from that check. I have no idea whos account numbers the scammers used but it was from a different bank according to Chase. I have been a customer for over a decade and never had issues so I hoped they would help me out and try to resolve this efficiently. I have been given the run around from different agents and havent been given any time frame for when this will actually be resolved. I understand the severity of fraudulent checks but I was not aware that it was one nor did I use any of the money and my account has not been compromised as only I have access to my account so there is no reversal that needs to happen either. This has been very inconvenient as I have bills to pay and so far no one has been that helpful.
Company Response:
State: CA
Zip: 94578
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Delays in the application process
Consumer Complaint: I submitted HOA dues and document on XXXX/XXXX/XXXX, wasn't acknowledged or acted upon until it was requested again XX/XX/XXXX. I asked several questions about a requested Form 4506-C that were not acknowledged or answered until XX/XX/XXXX. We were given the results of our appraisal the day before our scheduled closing on XX/XX/XXXX. The appraiser 1 ) measured the property incorrectly and 2 ) did not include 2 bathrooms on the appraisal. We had no time to challenge this appraisal, because they gave it to us the day before closing even though it had supposedly been completed more than a week previously. This delay in getting us the appraisal delayed our closing by 1 week, and caused us the hardship of not having a place to stay. Despite this, Chase did not get a new appraiser. The appraiser came back and did not re-measure our house. Instead she added the two bathrooms she missed and still had the measurements wrong. We know this because we paid out of pocket for an independent professional appraiser to come measure the house. Our independent appraiser agreed within 1 or 2 feet with the measurements provided by the builder. Chase did not acknowledge or use these measurements. So when our property appraisal was re-done by the same appraiser, the measurement was still low, and our appraisal value was still low. After being delayed by 1 week due to Chase 's mishandling of the appraisal, the night before our second attempt at closing on XX/XX/XXXX, Chase asked for student loan documentation that had previously be provided on XX/XX/XXXX. This document wasn't acknowledged or acted upon by Chase until XX/XX/XXXX when it was requested again, the day before our scheduled closing The day of our 2nd attempt at closing on XX/XX/XXXX, we were asked for signatures on gift letters we had submitted on XX/XX/XXXX. These signatures weren't requested until the day of our scheduled closing. Also on the day of our 2nd attempt at closing, I was asked for a letter from my employer stating I worked remotely, which I provided the same day, but this should have been requested the week or weeks before, not the day of closing. This lack of action led to another delay in closing, and XXXX again not having a place to stay. Additionally, our review of appraisal was again given to us the day before our scheduled closing. As described above, it was still incorrect. We could have chosen to contest it again, but at this point we have already been without a home for 1 week unexpectedly. Chase has already made it clear that they are not going to work for resolution quickly. Instead of contesting the re-appraisal, we chose to find a way to close. We had to take money out of retirement along with the penalty that comes with that. And, more recently when I've spoken with Chase how they intend to compensate us, they have said they can do nothing because our appraisal did increase... yes it increased, but not to the correct amount. As described above, the square footage measurements were still wrong. Our closing was delayed again, not by 1 day or 2 days, but 3 days, even though all of the delays were caused by Chase not acting on the documents we submitted. We have email documentation of all of these submissions and dates and re-requests. So we continue to be without a place to live. Then on the day of our re-re-rescheduled close, we sit at the title company for 2.5 hours as Chase asks again for the gift letters, provided a third time now.
Company Response:
State: OK
Zip: 730XX
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/23 I realized that I no longer had access to my funds. I called Chase Bank on the morning of XX/XX/23 and they notified me that they had closed the account due to a check that I had written for rent earlier this week. This is the second time in the past month I have had my account closed for false fraud flags. I then went into my local branch and spoke with the Branch Manager who explained that this account was flagged due to an unresolved report from a previous time I had applied for a XXXX account. This was especially frustrating since I had spoken to a XXXX branch employee that had told me I had no outstanding issues and I was fine to open a checking account. My money is being held XXXX and I am unable to pay off my cards, pay rent, or for other necessities at this moment.
Company Response:
State: NJ
Zip: 07901
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is not my first time seeking help with the Consumer Financial Protection Bureau. Chase, having taken my extension of credit via acceptance of my open ended credit plan via my Credit Card ( SSC ), used a third party company to base my credit worthiness, which I only consented too because I was not nade aware I did not have too. I was never offended an opt out option. The use of credit of was never clearly and conspicuously make aware to me. This is only a handful of the violations tgey performed against me. I then sent a notarized affidavit of consideration plus cease and desist that they have failed twice now to rebut and thusly violent. They also, prior to the notarized affidavit, failed to comply with my verbal cease and desist request.
Company Response:
State: MI
Zip: 49014
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently check my credit report and there were several unauthorize hard inquires on my credit report.
Company Response:
State: AL
Zip: 36117
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: XX/XX/2023 -- Someone opened and account with JPMCB / Chase with my name and address. Received credit alert on XX/XX/2023 from XXXX. XX/XX/2023 -- Tried to use the JPMCB / Chase opened in my name for an amount of {$2100.00}. XX/XX/2023 -- Received Chase Fraud alert messages on my cell phone on charges tried on the Chase card. Messages was as follows : " Chase Fraud : We declined {$330.00} with card ending XXXX at XXXX XXXX. Was this you? Reply YES or NO. '' XX/XX/2023 -- Received letter via regular mail from Chase Cardmember Services at XXXX. Called them and stated that I do not have ANY accounts with Chase at all and that the card was fraudulent. When talking to them, also checked with my ID Theft Service from XXXX and found out that someone tried to change the address for the fraudulent credit card from my address to the following address : XXXX XXXX XXXX XXXX, XXXX, WA XXXX.
Company Response:
State: FL
Zip: 32765
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: on XX/XX/2023 XXXX XXXX application refence number XXXX made a online extension to obtain money for personal reasons, i received a denial from Chase bank stating they would not approve my application due to the information they SAW on my consumer report, Please note this is the first problem i would like to bring forth because under the Fair credit reporting act 15 U.S. Code 1681b ( c ) ( 2 ) it Limits the information someone can received ( 1 ) ( B ) A person may receive pursuant to paragraph 15 U.S. Code 1681b ( 1 ) ( B ) ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity. 15 U.S. Code 1681b ( c ) ( 2 ) ( c ) Cleary states you can not receive information on me regarding disclosing any relationship with any particular creditor or any other entity, meaning you should not see any information between me and another person, in addition you are in violation of the FCRA 15 U.S. Code 1681b ( f ) obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) my consumer report was obtained for a purpose for which the consumer report is not authorized to be furnished ( 2 ) and there was no certified purpose in accordance with section 1681e of the Fair credit reporting act as prospective user to obtain the report through a general or specific certification.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was scammed by crytocurrency XXXX - XXXX since XX/XX/2023. I made four different wire transfers to XXXX XXXX via XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX, GA. They use two Beneficiary banks : JPMorgan Chase, NA and XXXX XXXX. The total amount was US {$250000.00}. Having realized the scamming, I have immediately requested for recovery via XXXX. After several requests, JPMorgan Chase responsed in the message on XX/XX/2023 that " We are unable to comply with your recall request ''. XXXX responded that the accounts of acceptors were closed and did not provide details of scammer 's identity. I have already reported this fraud/scamming with FBI via www.ic2.gov. In addition, I have contacted SEC Atlanta, US Secret Service, FTC, and local Police. All these reports are attached.
Company Response:
State: GA
Zip: 30269
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I completed the process to as external account, it was successful. I requested to transfer XXXX XXXXXXXX The transfer was cancelled by chase The reason I was given by chase it was that the account could not be verified. I spoke to horrible manager XXXX at the fraud dept and she was rude, unhelpful, not knowledgeable at all. Nasty attitude This is complete fraud by chase bank. Chase should be penalized by this government agency cause it is fraud by chase.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A