Date Received: 2023-10-12
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I'm trying to close my personal checking account with Chase. I now live overseas, and their services are not fit-for-purpose for international use. I first contacted them, via secure messaging on their online account portal, on XXXX XX/XX/2023 to enquire whether they can close the account for me. They replied on XXXX XXXX to say I first needed to transfer my balance ( {$2500.00} ) out, then they could close it online. I wanted to do an ACH transfer to my other US-based account. Using their online account portal, I set up my other account as what they call an " external account ''. Chase requires a verification process, which involved transferring two small sums to my external account, and then I confirm the amounts to verify the external account. I did this successfully, and submitted a transfer of my entire balace on approx XXXX XX/XX/2023 ( plus/minus a day or two, I can't recall the exact date ). After a couple days, when my balance didn't turn up, I tried to log into my Chase account online to investigate. I found that their fraud team had blocked the transfer and locked my account. I found this odd, given they had just told me to transfer my balance out, so they knew it was coming, and also had just successfully gone through the verification process to establish the external account as my own. I had to call up, which took quite a long time, to get my account unlocked. For a second attempt, I re-did the verification process for my external account ( it had been removed ), and sent Chase a secure message on XXXX XX/XX/2023 enquiring how to ensure that this block wouldn't happen again. They replied to the secure message saying I needed to call again. After spending a long time on the phone, they said there was literally nothing they could do - despite all the verification ( and there was a lot ; e.g., bank card numbers and pin numbers, past addresses, etc. ) they expected the transfer would be blocked again and my account locked, again. They suggested trying a wire transfer, but this might also be blocked, and also would allow Chase to extract a large fee without ( in my view ) cause. I view this all as unacceptable. All I am trying to do is close my account and recover my money, but they are making it difficult, time-consuming, and expensive. It does not make sense to me that they are simply unable to green light a transfer under all this verification. The outcome I am hoping to achieve is for Chase to allow me to move my money into my designated account and close my account, and ideally never have to deal with them again.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: My spouse is XXXX XXXX military enlisted/serving in the state of XXXX. Under LA statute XXXX XXXX, credit lenders are supposed to be capped at XXXX %. Please adjust my account accordingly. Thank you.
Company Response:
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The fair credit reporting act 15 USC 1681 section 602 a says there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality, and I respect for the consumers right to privacy. I have the right to make sure my private information isnt shared which is proven in 15 USC 6801 which states, '' it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentialities of those consumers non-public personal information. ( furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that in general subject to subjection ( c ), any consumer reporting agency may furnish a consumer report on the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and consumer reporting agencies XXXX and XXXX do NOT have my consent to furnish this information and they surely do NOT have my written consent. Any and all consent to XXXX, XXXX, ( furnisher of information to credit agencies ) be verbal, nonverbal, written, implied or otherwise is revoked. 15 USC 6802 ( a ) ( b ) states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third-party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( furnisher of information to credit agencies ) hes never informed me of my right to exercise my nondisclosure option. In addition, 15 USC 16 81C ( a ) ( b ) except as authorized under ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with auntie dates to report by more than seven years. These accounts were an adverse items they are reporting again without my permission which is against the law 15 USC 1681 s2 ( A ) ( 1 ) A states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. 15 US code 1681e states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681C of this title in to limit the furnishings of consumer reports to the purposes listed under section 1681b of this title. Also 12 CFR code 1016.7 says '' A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services. '' 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 XXXX
Company Response:
State: TX
Zip: 75241
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I gave chase a federal Procendendo court order Notice For discharge of a double payment chase ignored the federal court order to return the funds, They made a chashier check for the credits then chase deposited the cashier checks into a Chase account and denied my federal court ordered claim 31 usc 9304 a ) When a law of the United States Government requires or permits a person to give a surety bond through a surety, the person satisfies the law if the surety bond is provided for the person by a corporation ( 1 ) incorporated under the laws of ( A ) the United States ; or ( B ) a State, the District of Columbia, or a territory or possession of the United States ; ( 2 ) that may under those laws guarantee ( A ) the fidelity of persons holding positions of trust ; and ( B ) bonds and undertakings in judicial proceedings ; and ( 3 ) complying with sections 9305 and 9306 of this title. ( b ) Each surety bond shall be approved by the official of the Government required to approve or accept the bond. The official may not require that the surety bond be given through a guaranty corporation or through any particular guaranty corporation. Ucc 3-307 notice of breach fiduciary duties Ucc3-312 lost destroyed or stolen cashiers check, teller check certified check
Company Response:
State: OH
Zip: 44105
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Chase canceled my investment accounts in XXXX and closed all my accounts .I am still missing {$2500.00} from my accounts that Chase closed I tried several times to contact the XXXX number listed but was told they can not provide me with any information, but if I choose I can fill with the court but I dont have the money to pay attorneys fee I applied for credit card with chase couple of months ago it was granted because I have good credit but I just got a letter from chase that they canceling my new credit card with any explanation This is discrimination based on my race and National origin Please could you follow up with my complaint to let chase Bank know that poor people have a voice in USA and the world
Company Response:
State: CA
Zip: 93312
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX has been providing inaccurate credit report data to lenders upon request, that contain data that does NOT actually exist on my credit report, but HAS GREATLY AFFECTED APPROVAL ODDS ; Such as, ( FALSE REPORTING - " BANKRUPTCY/PUBLIC RECORD '' ) when neither exist on my credit report! XX/XX/2023, JPMCP pulled my report and I did NOT receive any alert or reference number. An error message of " can not process, try again later '' appeared after my request. I was not aware this inquiry had been actually processed due to the error message and lack of notification, reference number nor alert from JPMCP nor XXXX, and it's being hidden in Plain sight. The inquiries on my file are listed in chronological order EXCEPT JPMCP which should have been the first inquiry listed, but instead it is listed between the months of XXXX. Although, it's XXXX and the last inquiry requested this year. Upon calling JMPCP for further information about this inquiry, I was then informed the request had been DECLINED for several reasons such as : Too many inquiries, PUBLIC RECORD / BANKRUPTCY and several other adverse reasons that are NOT RELEVEANT OR INCLUSIVE TO CREDIT APPROVAL. XXXX is also screening my calls. Unable to speak with a live agent. Automated system claims my information ( ssn and zip code ) does not match, although it does. XXXX claims their company only provides reports to lenders, but actually seems to be playing the initial hand in my applications being DECLINED/DENIED, by using subtle DISCRIMINATION through the forms of REDLINING, DISPARATE TREATMENT and DISPARATE IMPACT and CONTINOUSLY denying me CREDIT, DESPITE having NO ADVERSE INFORMATION AND AN AVERAGE CREDIT SCORE in the upper 600s, based on INCONSISTENT BASIS OF APPROVAL. Violation of FAIR LENDING LAWS, FCRA, ECOA TITLE VII OF CFPB and the CIVIL RIGHTS ACT of 1866. My score, TAMPERED WITH, also dropped XXXX XXXX from this " hidden JMPCB inquiry '' resulting in a DECLINED NOT DENIED APPLICATION. I HAVE VERY GOOD REPORTING HISTORY AS FAR AS PAYMENTS, AND CLOSED BALANCES FROM OVER 6 YEARS AGO TOTALING LESS THAN {$900.00}. I WOULD NOT HAVE SO MANY INQUIRIES IF I were NOT targeted and profiled through UNFAIR LENDING PRACTICES such as, REDLINING, DISPARATE TREATMENT and DISPARATE IMPACT by XXXX. EACH TIME I submit a request FOR CREDIT. FOR THE LAST 6 MONTHS I HAVE BEEN DEALING WITH UNFAIR/DECEPTIVE PRACTICES by XXXX and others to the point of exhaustion! Bureaus should be REQUIRED to have more EFFECTIVE laws governing the practice and USE/DISTRIBUTION OF CONSUMER REPORTS with TRANSPARENCY.
Company Response:
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/2023 Dear Sir/Madam, I am writing to express my extreme dissatisfaction and concern regarding a recent issue I have encountered with my Chase bank account. I have been a loyal customer of Chase Bank for years, and I have always trusted their institution for its reliability and customer service. However, I am deeply disappointed by the way my recent concern has been handled, which has had a severe impact on both my study and personal life. On XX/XX/2023, I discovered that my bank account had been unexpectedly blocked without any prior warning or explanation. This sudden action has caused significant distress and inconvenience, as the funds inside the account are essential for my day-to-day activities, including work-related transactions and personal expenses. And I am only a student, so I really need the money. I promptly contacted their customer service department to seek clarification on the matter. To my dismay, I was informed that my account was under review due to unspecified reasons and that the standard review period, which used to take XXXX week, has been extended to an astonishing XXXX months. This unexpected and unjustifiable delay in resolving the issue has left me in a precarious financial situation, hindering my ability to carry out my professional responsibilities and meet my essential needs. I have over {$1000.00} hold by them and it is the money I wish to use to apply for a school, now without this money I cant apply for the school and it is almost past the deadline that I could turn in the money and application. I kindly request a thorough and immediate investigation into the circumstances that led to the freezing of my account and the subsequent prolongation of the review period. I urge them to provide me with a clear and detailed explanation of the reasons behind this action. Additionally, I request that my account be reinstated without further delay, allowing me to access my funds and resume my normal activities. Furthermore, I expect Chase Bank to compensate me for the losses and inconveniences I have suffered as a result of this situation. The undue stress and financial hardship caused by this incident require redress, and I trust that CFPB, a reputable institution, will take swift action to rectify this matter. I appreciate your prompt attention to this urgent issue. I expect to receive a satisfactory resolution soon of receiving this letter. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX
Company Response:
State: CA
Zip: 91733
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On XXXX XXXX, 2022 I opened a Chase account at the XXXX Ca branch and deposited {$1400.00}. On XX/XX/2022 Chase closed my bank account and refuses to tell me why. I asked for my checks back since Chase said they couldn't reach CA unemployment to verify the state checks, and I was told No. I was told I have to call Chase everyday and have them call CA unemployment office to verify my checks. Everyday, Chase tells me that they can't reach CA unemployment office and that I will not get my money. I've asked to speak to a supervisor and they said they are a private entity and don't have to release those checks to me for up to a year!
Company Response:
State: CA
Zip: 923XX
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: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Around XX/XX/XXXX i was in XXXX and noticed my bank cards were dead. Chase never contacted me to let me know about some potential fraudulent activity through XXXX and simply froze my bank accounts. They promised they would send me XXXX cheques so i can transfer my funds to another bank. They never mailed anything, not even a letter to explain why they closed my accounts. Then took all the money i had at Chase which totaled about {$400000.00}. Today my lawyer and I finally after many calls managed to reach their legal department and when we mentioned this call is being recorded and my lawyer mentioning he has sued other banks in the past, XXXX hung up on us. They make sure to never give their full name and direct phone numbers because they are afraid for their lives i suppose treating their clients of over 10 years like garbage. THEY also told me over the phone that in the fine print it says they can close any account for any reason they feel is justified. BUT the fine print does not says they will also STEAL YOUR MONEY.
Company Response:
State: CA
Zip: 90272
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: 2023-10-11
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I noticed some concerning charges on my account- and reported them to the bank they then flagged my account as fraud locked my funds which is over XXXX $ and wont release them said can not give me time frame. Im about to go to the news with this as I can barley support my kids as it and XXXX $ is a lot of money
Company Response:
State: MN
Zip: 55434
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A