Date Received: 2023-10-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: We have a Marriott credit card through Chase. We receive monthly paper statements and want to continue receiving monthly paper statements. Frequency when signing into their website to review transactions they try to change our preference for paper statements. They default to e-statements and ask us to confirm. This is misleading and deceptive. They change our preference to e-statements and ask us to confirm. The default should be left at paper statements. It is misleading to confirm their choice not ours. This is a systemic issue and they shouldnt be allowed to change customer choices. Please force them to be more customer friendly and less deceptive.
Company Response:
State: PA
Zip: 167XX
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hi my name is XXXX XXXX I'm having issues with chase customer services fraud unit about a third party check sign over to me by a family friend the check was deposited on AROUND XX/XX/XXXX i got a update the check will not clear until XXXX XXXX later on that day maybe about a day or two later they restricted my account so I called chase to find out why was the account place on hold they said the account was place on restriction . Because the person who name is on the check has to be verified through his phone number by them they ask for the number and explain the name and number have to match to the persons on the check and i complied they looked the number up they said and the number was listed under someone else name they said i explain the person on the check has had this number for a while and to my knowledge its under his name i ask is there any other way to verify him or do they need us to come and the bank do he need to get his phone records he explained no the only way is the way i inform you of and if you need time to verify call back .I called them a few more times after touching basis with the person they assure me its they number under they name and they will call the phone company to see whats the problem once updated i called chase back spoken to a supervisor with the same number asking does it check out she stated no it still does not i ask her is there any other way she said yes address i gave her the address of the person she said it checks out so she called the number given to her of the person she said there was no answer i can call back later and they will try to call him back i called back the same day and was told by another supervisor although the address checks out the number does not and i have to call back when the number verifys .i tried two more times after speaking to the person who check the name is in to be told that's still his number and it is on public records as such on XXXX XXXX the check cleared which i did not understand because i was told the check will not clear although stated on my account because it has to be verified first so i called them to ask this and to try to verify again or ask them to close out the transaction if there is no other way than verifying the number so i spoken to another rep who told me she was the supervisor than after 5 mins of conversation i was told she was not when i ask is there anyone i can speak to above the supervisor she said I'm getting you one now and she did i explain everything once again I also explained to the supervisor sometimes phone numbers if use by someone else before you have it it can be be hard to come out the last person name it can stay on the last person name on they public records until they request to the reporting agencies to take it down so is there any other way to verify this person being another supervisor use the address before I was told no he told me the number I'm given him is not the number he see on file i had to be adamant that this is the same number i been given chase the whole time he than said I'm go in and change it but again I was told the number don't to match the name of person i explain again this is the number i don't understand and what third party you guys uses he repeated we just need a working number to match the name so call back once we can verify the number and than we can lift the restriction so on XX/XX/XXXX I called them back after speaking to the person who checks in the name again and he inform me he called the telephone company again its not a problem on they behalf his name and address is and has been updated its On his public records as well he has had this number for over some time which is true so i called to speak to another supervisor to be yet again told by that supervisor the number is not checking out I told her I was confused are thet sure is there any way they can prove to me its not why let the check clear if they suspected anything why there is not another route i can take o dont want tk be snagged for fraud because chase can not verify a number I keep being told to call back and when I call back they treating me like a suspect i have other money in my account so of course I'm keep calling cause I can't even access so I'm trying to straighten this out and she started asking all types of questions about relations to the person etc so I ask is this part of the protocol thay will left the restrictions cause why all the questions when the check had to be cleared because it a legit check which is from ny state government check .and every time I ask os there another alternative I'm told no so why all the questions before i answer she said the supervisor look just call back when we can verify the number and hung up this is after being on hold for 20 mins switch over four times explaining every time a new rep answer whats the issue and this has been every time i called I'm on the phone over a hour with chase to get no where the supervisors but one I spoke to are very nasty and a hour after this phone conversation with her my account went into negative staus along with the money I had in my account already.. now according to some blogs I've read customers from all over been having this problem with chase and verifying numbers it's nothing new to chase , so why treat someone who is a customer as a criminal chase is aware that every credit reporting agencies are not all updated to current information some are still back dated or out dated with numbers and old information and sometimes it can take even Years for the agencies to remove and update new information i know they have a job to do I'm understanding to that but they need to be understanding to the fact that whatever third party verification they may be using may not have a software that updates new information it happens any time I spoken to someone at chase I'm told call back when the number can be verify with no explanation of how I suppose to know that other than keep trying to call them back because the number not going to change thats given to them its just when I call back I feel so defeated everytime because I'm telling my truth but if calling back making me suspicious to chase why keep telling me to call back with no further instructions this never have happened to me so i would not know what to do but what they tell me and I know for a fact the information I'm given is accurate on my behalf .. i dont want my account being closed and reported as fraud because chase feels a number not matching to a name when there is so many legit resons why it could not be verifying through them and for one is the third party agency they using to verify numbers has a software they uses and that reporting agency verifys number through the white and the old white pages i was told every reporting agencies report different things on people. While some have more up to date and accurate information others agencies may not while some even some collect information faster than others or have more information about a person's than another reporting agency they all different but the same Ps This is very overwhelming and depressing where living in times where everything is becoming difficult and folks are doing what they can to work hard and live right and things like this can be push back on someone mind set in this day and age where so many people is suffering from depressing and ending they lives abruptly and this has been very depressing it cost nothing to treat someone with respect and resolve especially when your getting paid to assist
Company Response:
State: NY
Zip: 11238
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I received a notification this morning from both XXXX XXXX and XXXX XXXX saying that there was a new Hard Inquiry on my credit report. The inquiry was from JP Morgan Chase Bank and I have not applied for credit or a credit card for the last few years so this is a fraudelent attempt to get a card in my name. I am trying to get the inquiry removed from my credit report as well as make sure no one is able to obtain a credit card in my name.
Company Response:
State: IN
Zip: 461XX
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I went into Chase bank to open a new CD account I then wrote a check for the deposit of {$100000.00} and the check was made out to myself and the check was written from my checking account at XXXX. The women that helped me was XXXX XXXX at XXXX and she told me their system was down but it went back up so she opened the cd account and gave me a receipt showing the account number and funds deposited. I then noticed the account did not show up on my online banking and also when I called the chase phone number it said I had XXXX dollars in the account which was on XX/XX/2023. I went back into the bank twice since the day I opened the account and was told they were working on it and also called the customer service number and was told the money would show up in my account on Tuesday XX/XX/2023 but it never did. I checked with XXXX and the check was cashed and I have a copy of it. It was cashed by Chase Bank. The money still has not shown up in my account online or by phone verification. But was debited out of my XXXX account. I do have the receipt of the deposit. I keep getting told it will show up but it never does and I was told this many time. It has been 9 days since opening this account but they did not put the money in my account. The banker XXXX told me that there was nothing she could do that corporate has locked this acct. Also the Vice President XXXX XXXX also said that he could not do anything about this. I have a receipt for the deposit and the copy of the cashed check but where is my money? It is not showing up on my online banking and when I call the Banks phone number and punch in this CD account number it does recognize my acct number and the automated system says I have XXXX dollars in that account. I would like to know what they did with my money. They keep saying its a computer glitch. But nobody is doing anything to fix it.
Company Response:
State: CA
Zip: 92672
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I made an electronic payment of {$9000.00} to Chase from my XXXX bank account on XXXX. According to XXXX it was delivered to Chase on XXXX and the payment was " posted '' on XXXX. It's now XX/XX/11 and Chase is not reflecting the payment. THIS IS A REPEAT PROBLEM WHERE CHASE NEVER POSTS PAYMENTS PROMPTLY! In some situations, like this instance, by delaying the posting of my payment, the ILLEGALLY manufacture fee and interested income to themselves. The customer service department of Chase was unable to solve this. Chase should be held-accountable by the CFPB for this disgraceful and unlawful practice -- and I suggest more than a tiny slap on their financial wrist. Disclose this practice and their penalty publicly, and make the penalty big enough they stop doing it.
Company Response:
State: FL
Zip: 33141
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I received a email alerting me that applications was submitted to jpmcb but was block do to a credit freeze. I didnt fill out an application nor did I give any one permission to on my behalf. I contacted XXXX right away to notify them I didnt submit any credit application today. I was then told to call chase to alert them that this application was file fraudulent. I called chase application department at ( XXXX ) XXXX in which the rep said had ask to provide my ssn and name. Upon looking she locate the application and flag it as fraud I request a copy of the application to file with my police she told I would have to follow the step in chase identity theft kit to be able to obtain a copy of. In which she ask for my address to mail out the theft kit and also told me that a letter would be sent over to the credit to remove and inquire from this.
Company Response:
State: MI
Zip: 48045
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
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: Scammed numerous times on account pay-ins. Bank fraud informed me they froze my account on the first transaction paid in, but yet allowed numerous payments to be paid in even tho knowing they'd return.
Company Response:
State: WA
Zip: 98258
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 I noticed a charge on my Chase checking account in the amount of {$1000.00} from a company I didn't recognize described as " XXXX XXXX XXXX XXXX XXXX XXXX'. I googled the description and found the company 's website. Unfortunately, they do not provide a company contact number so all communication is handled via email. I explained the charge and provided my information but the company initially shared that the charge was valid and would investigate further. At this point the charge was still pending so I reached out to Chase and filled a complaint. The Chase representative said they'd temporarily credit the account until the investigation was complete. However, Chase immediately closed the investigation and stated no action would be taken ( I'll provide a picture of all documents and letters ). After the investigation was closed I made another attempt to resolve this matter with the merchant but once again the simply stated that the charges were valid and refused to assist me any further. On XX/XX/2023 I called Chase back and was told that there were additional charges from the same company which established a history with merchant. I explained that I wasn't aware of additional charges as I don't use this account often. I then opened a claim disputing all transactions as nothing was approved by me. The representative informed me that Chase bank would only provide a temporary credit for the transactions that occurred within the last 60 days ; transaction exceeding that timeframe would have to be handled directly throught the merchant. I acknowledged and the Chase representative assured me that the charges would be thoroughly investigated since all transactions from the merchant were disputed so the is no longer a history of approved transactions. On XX/XX/2023, the next day, I reciceived two notices from Chase, the first was reiterating that the provisional credit would only include transactions that occurred within 60 days of the first charge from the merchant. The second notice infor.ed me that the investigation was closed and no additional actions would be taken. I attempted to contact Chase and was told that there was nothing more that could be done. At this point I immediately reported the issue to CFPB as Chase bank has a long history of discriminating against my account. They refuse to cash my checks and if I deposit the check, they hold it for the maximum amount of time leaving me without those funds for ten to fourteen days, even I'd it's a check they issued. The most recent check was held and then they deducted the amount of the check leaving me with a negative balance, when I called to inquire I was provided with conflicting explanations from various representatives. I deposited overv {$1000.00} in cash into thier atm and in the counting process, the atm froze and provided an error message stating to check my account and contact Chase if the funds were not credited. I stayed at the atm, called Chase because those funds were not in my account. I followed all instructions, the rep opened the claim, then Chase closed the claim and stated no actions would be taken. I made multiple calls and was basically accussed of being dishonest about the situation, despite them having record of my card being used at the atm on the day and time reported plus camera footage. I had to file complaint through CFPB before the bank took actions to resolve the problem. I've already filed a complaint for this incident and the bank had contacted me claiming that they are continuing the investigation but they have no provided a provisional credit to my account such as thier policy states they do until the investigation is completed. I have researched Chase Banks actions in similar situations and in most cases, they provide the credit within two to twenty-four hours. I have been dealing with this for over a week and they have made no effort to alleviate this matter, further proving that my account is not provided with the same courtesies and respect as all accounts without any reason or explanation why. I have multiple chages that were bounced back because of this issue.
Company Response:
State: TX
Zip: 75013
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have been working with XXXX XXXX, XXXX, and Chase Bank since XX/XX/XXXX, I had a check that was sent out to me in my name and was fraudulently cashed with clear evidence, no one is willing to help and XXXX was not assuring that the Student ( me ) is receiving the funds to pay off their student loan. XXXX had a check that was cashed into a XXXX XXXX account which I DO NOT have and has known that. XXXX has refused to make sure that I get my funds to pay this off for over 8 months. This check was sent out in XXXX or XXXX XXXX XXXX and I was NOT notified that this check was sent out so I had XXXX recollection of anything that had happened or that I even HAD a check sent out in my name. I was denied access of my school account prior to this check being sent out which is on fault of the school.
Company Response:
State: TX
Zip: 75013
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: First I want to thank you for taking the time to read my letter, secondly I wanted to tell you about me, my name is XXXX XXXX XXXX, a widow, living on a fixed income that is mainly what I receive is the monthly Social Security check for the amount of {$1200.00}, from that amount I have to pay my home expenses, such as Property Taxes, Utilities and food ; and third I wanted to file a complain for the Bank Chase, specifically their branch located at XXXX XXXX XXXX XXXX in the city of XXXX Texas where I know that the amount of {$1300.00} was taken internally by the cashier XXXX ( dont have her last name ). On Saturday, XX/XX/XXXX I walked into the above Chase branch to get a print out of the available funds ( copy of the summary attached, dated XX/XX/2023 @ XXXX ) but a minute later it shows a withdrawal that I never asked for or received the funds for the full amount that was in the account on that day Saturday XX/XX/XXXX, they extracted everything. On Monday morning, XX/XX/XXXX, I walked into the Chase branch that is located at XXXX XXXX XXXX XXXX XXXX, and was told by a cashier/teller that I needed to go back to the branch on XXXX XXXX XXXX because they had made an error and they had to correct it, but when I went into the branch on XXXX XXXX XXXX XXXX I was told by the teller XXXX that I had already withdrawn the funds from my checking account, since my first language is XXXX I requested to speak to another teller or supervisor that would be able to explain in XXXX what had happen to my money, unfortunately the second teller that spoke XXXX did not want to help me, her words were I can not help you she said to go see the branch manager supervisor, I tried talking to the branch manager but she was very rude, accusing me of already taking the money ( sorry, but I dont have the manager or the second tellers names ). I have filed a claim with their corporate office and they denied to help me ( Refence # XXXX ), I also filed a police report but I was given the same negative response ( Police card with the case # attached ) you are my last option, I beg for your assistance, those funds were STOLEN by the employee ( s ) in that branch, Im suffering to pay my bills because of that money they have illegally taken. I Hope and pray that you may be able to help me. Sincerely, XXXX XXXX XXXX
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A