Date Received: 2023-10-10
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/21, Deposited XXXX payroll checks totaling {$1200.00} into CHASE CHECKING Account # XXXX. I Tried to use debit card, days later and account was closed. Tried to login via computer and was not able to get access as account was closed. I have called the XXXX # approximately XXXX to XXXX times during the course of the past year, they claim that the need to " SPEAK WITH THE MAKER OF THE CHECK ''. I no longer work for that company and they moved to a new location and changed their phone number. Chase states that the new phone # for the business is not listed on their internal system, I have been getting the same " NEED TO SPEAK WITH MAKER '' for more than a year, as of the time of this complaint filing.
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Cancelled Chase Sapphire card in XX/XX/2023. Was told, on recorded line, that yearly fee would be credited and account closed. Received statement with yearly fee, late charges and interest. Attempted to resolve with customer service. Told that some, but not all fees can be credited. Ask to speak with supervisor and told, in recorded line, that could not.
Company Response:
State: NY
Zip: 120XX
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/ I applied for the Chase Sapphire Preferred credit card and was denied. On XXXX XXXX XXXX I was mailed a letter stating that my credit card application was incorrectly denied. I was informed that I could re-apply, but my credit would be ran again. I would not want that to happen, so I mailed them a dispute letter, a copy of the incorrect denial application, and my credit report. Chase has yet to respond about my mail and I had to call about XXXX people that work at Chase only for them to not even give me an answer about what the correct decision was supposed to be about my credit card application.
Company Response:
State: VA
Zip: 24540
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to XXXX XXXX XXXX XXXX XXXXXXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.
Company Response:
State: CA
Zip: 91607
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: To Whom It May Concern, I hope this letter finds you well. I recently received yet another letter, dated XX/XX/XXXX, in the mail stating that my credit card accounts will be closed. When the same issue arose recently, I was informed by the Chase Executive Office that the closure of my accounts were due to a systemic error and there was indeed no fraudulent account associated with my name under Chase. Please refer to case # XXXX as well as the attached letter, dated XX/XX/XXXX. I've spoke to both Credit Card Services and Checking Account at the Chase Executive Office and my accounts were successfully reopened two months ago. I've disappointed to receive another letter in the mail indicating the closure of my accounts. It is apparent to me the previous systemic error was not fixed after the recent incident. I have always been a loyal and responsible customer of Chase, and I expect the same level of respect in return. However, the handling of this situation has left me feeling unsupported and frustrated. The stress and inconvenience caused by this error have had a significant impact on my daily life, as I have had to spend an excessive amount of time and energy trying to resolve the issue. I kindly request that Chase XXXX XXXX thoroughly investigate the issue I have outlined and take immediate steps to rectify the error. I also ask that you provide a detailed response outlining the actions taken to resolve the problem and prevent it from occurring again in the future. Additionally, I believe that a gesture of goodwill, such as a refund of my annual fee that was charged to my account on XX/XX/XXXX, would be appropriate given the stress and inconvenience I have experienced. I value the relationship I have had with Chase Bank over the years, and I hope that this matter can be resolved in a timely and satisfactory manner. I look forward to your prompt attention to this issue and a swift resolution. I can be reached at XXXX or ( XXXX ) XXXX. Sincerely, XXXX
Company Response:
State: NY
Zip: 10028
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023, my cell phone and wallet were stolen, and my wallet contained my Chase debit card. This debit card, combined with the thief using my phone to respond " yes '' to fraud alerts, was used to rack up around {$10000.00} in purchases, which are quite obviously fraudulent since it does not at all match my pattern of behavior. These debit card purchases were not covered by Chase. My Chase credit cards were also used to make fraudulent purchases, although these WERE reverted. The purchases were were several large amounts at XXXX, " XXXX XXXX XXXX '', and several transfers to my XXXX account, which they had access to because it was installed on my phone without a password. I contacted XXXX within 24 hours, and they denied any responsibility or liability. I marked the debit card as stolen to chase and filed a report within 2 days. Chase responded to me on XX/XX/2023 stating the following : We found that the transaction ( s ) was processed according to the information you provided or was authorized. No adjustment will be made to your account at this time. Contact us if you would like to request the information we used for our research. When I contacted them, I was told that they would refuse to make any modifications, even if I presented a police report. I was also told by the XXXX Police Department that they wouldn't be investigating due to insufficient evidence provided by me, and I do not have the resources to perform an investigation myself.
Company Response:
State: IL
Zip: 60622
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: i keep getting getting decline have money in the bank 4times in one day called in to get it solved this is not the frist time they are doing this to me.
Company Response:
State: NJ
Zip: 071XX
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
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 applied for a Chase credit card on XX/XX/2023 and got denied. I have the right to credit. Withholding my access to my securities is security fraud, you are violating the equal credit opportunity act and consumer credit protection act. Since you are denying me my credit, please retract my application. Thank you XXXX, XXXX XXXX Attorney in fact for XXXX XXXX XXXX
Company Response:
State: MI
Zip: 48858
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: It started by not able to use XXXX, with my Chase bank account. I wrote to customer service. They responded by stating I tried to send myself money with XXXX. That is incorrect. Im or about XX/XX/2023 I went to a Chase bank and spoke to an officer. He called the main office. They told him the bank is deleting our banking relationship. He said they would not tell him, that I would get a letter in 10 days. And they would send me a check for my checking and savings account balances. I said I dont know why they are closing my account, but I need my money and should be able to get my money now. He said he couldnt do anything as my account was locked. As of this date I still have not received my money
Company Response:
State: CA
Zip: 95123
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I recently tried to deposit a check on behalf of my incarcerated boyfriend. He had received a {$3500.00} check from XXXX XXXX XXXXXXXX as part of a bail settlement stemming from a recent class-action lawsuit. I endorsed the check and deposited it online into my personal account with Chase. Soon after, I found my account frozen, and I received an email stating my account had restrictions. On XX/XX/XXXX, I contacted Chase to explain the situation. They advised me to visit a local branch with my identification to resolve the issue. I followed their guidance and visited a branch on XX/XX/XXXX, where I explained the circumstances to the representative. Interestingly, they mentioned uncertainty about why I was directed to the branch and suggested contacting Chase over the phone. The branch representative made a call to Chase on my behalf and asked a series of questions. Following this, they conveyed that Chase would not only hold the funds from the check but also freeze the funds I had in my account prior to the check deposit. Chase informed me that unless the payee could verify his identity and provide a confirmed contact number, they would close my account and retain the {$3500.00} check indefinitely, with the possibility of handing it over to the state after XXXX years. Furthermore, they indicated that I would no longer be eligible to maintain an account with them. I have been a loyal Chase customer for over XXXX years, and this situation is causing me a huge financial strain and inconvenience. The fact that they won't even return the verified check is beyond me. This has put me in a difficult position, and I am left with limited options. I believe the situation is unjust and unfair. At this point, I am unsure about my next steps and which is why I am filing a complaint with the Consumer Financial Protection Bureau.
Company Response:
State: TX
Zip: 76033
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A