Date Received: 2023-10-06
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I deposit a check in the amount of XXXX and they took it at first saying there was a Lein. I knew this was fraud for I have no children. Or child support. Or contracts with California state. Then they changed the actual deposited amount to XXXX to hide the fact they stole it.
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX, a credit inquiry was made using my personal information in an attempt to open a Chase bank card. This inquiry resulted in a XXXX point reduction in my credit score. I was alerted to the inquiry through my XXXX XXXX service. XXXX XXXX connected me with XXXX. XXXX placed a fraud alert on my credit report and sent me the Identity Theft Resolution Kit. I am trying to get this inquiry removed and my points restored.
Company Response:
State: DE
Zip: 19966
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My XXXX XXXX XXXX mother has XXXX. My sister and I are co-POAs. Chase bank is refusing to accept our Durable Power of Attorney. My sister and I need access to mom 's account to pay bills on mom 's behalf and to monitor the balance to ensure payments go through. On XX/XX/2023, I presented a lawfully executed Durable Power of Attorney to Chase Bank. They said they would have to have their lawyers review it and would be in touch with me within 4 days. XXXX week later, I receive a call from a representative stating that the POA has been refused. Chase claimed that the POA requires my sister and I to act in unison and they have " no way to monitor dual signatures ''. I informed the representative that I would contact an attorney, which I did. On XX/XX/2023, my attorney sent a letter to Chase referencing XXXX XXXX XXXX. The letter included a copy of recorded POA, signed affidavits from both my sister and me, and a copy of XXXX XXXX XXXX. No reply from Chase was received by my lawyer, my sister, or me. On XX/XX/2023, I went to Chase to inquire about my lawyer 's letter. I had to schedule an appointment with my mother 's " personal banker '' for the following day. On XX/XX/XXXX, I met with mom 's " personal banker ''. She stated she knew nothing of the letter but offered to file a complaint ( internal to Chase ). I asked her why she didn't offer to file a complaint when the POA was first denied but received no reply. I gave her copies of my lawyer 's letter and the POA to include with the complaint. On XX/XX/XXXX, I received a call from Chase saying that the complaint had been received and was being looked into. I pointed out to the Chase representative the second sentence of section 1.01 of the POA which states : " The affidavit of any one of my Attorneys-in-Fact shall be conclusive evidence insofar as third parties are concerned that any act of such Attorney-in-Fact has been authorized by the unanimous consent of all of my Attorneys-in-Fact and in such event any person acting in reliance upon such affidavit shall incur no liability to my estate because of such reliance. '' On XX/XX/2023, I received another call from Chase saying they had reviewed the complaint and are still denying the POA because it requires " my sister and I to act in XXXX ''
Company Response:
State: IN
Zip: 46229
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check last week for {$2000.00} on XX/XX/2023 from my old landlord. The funds are in my account and the funds have been taken out of my landlords account. My landlord proved this by sending me an email with a screenshot that show 'd the bank withdrew the funds including a photo of the check and my signature from the electronic deposit. Chase deposited the money into my account and froze my account and are closing it in 10 days ( from the XX/XX/XXXX date ) and plan to withhold the {$2000.00} from that check until resolution. They are saying it will be in this hold for 2 years until resolution is found. I've been a chase member for many years with no issues. Our ( my husband and I ) landlord has been willing to cooperate ( minus some unreasonable requests from chase ) They are saying there are a few options which ALL have led us to a dead end. they have given us the run around but i still do not understand why they believe the check is fraudulent. 1 ) Provide them a phone number to call that is associated with his LLC so they can verify the check isn't fraudulent. We did that, and gave them two phone numbers that our landlord gave us. But since the phone number isnt under his name through his phone company ( determined by a 3rd party security system ) they can not call that number. We talked with our landlord and he basically is telling us he cant give them any other phone numbers and thats not his problem ( We agree ). Chases is asking that our landlord can update his phone number to match his name so it can pass their security system, we believe this is an unreasonable request for him to jump through hoops with his phone company. Chase 's strict security reasons are not our problem. This is a dead end. 2 ) they have tried to call his bank ( US bank ). but they cant give them the info needed for security reasons. - Dead end. 3 ) for our landlord would have to ask his bank to cancel the check. Chase stated that this doesn't always work which leaves us and out landlord uneasy. our landlord is rightfully hesitant since the funds are out of the account and in our account. - Chase has successfully deposited our money and this is an unreasonable request. further action taken by us that Chase refuses. they will not take our email from our landlord as any kind of proof.
Company Response:
State: CO
Zip: 80211
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023, I made a purchase from XXXX, acquiring a laptop. Upon receiving it, I discovered a defect with noticeable lines on the screen. In response, I promptly initiated a return. However, XXXX unexpectedly closed my account and remained unresponsive to my attempts to seek resolution via emails. Subsequently, I filed a claim through XXXX to reclaim the funds associated with the purchase. After a two-month process, the claim was unexpectedly closed. Despite my attempts to provide additional information for resolution, XXXX cited XXXX as a hindrance and asserted that the claim couldn't be reopened. This situation is perplexing as no request for supplementary information was communicated during the course of the claim. I possess pertinent evidence, including the receipt and tracking information, which was not considered in the claim closure decision. This erratic handling of the case by both XXXX and XXXX has left me in an unjust predicament, and I am compelled to file a complaint with the CFPB to seek a fair and equitable resolution to this matter. I believe that the procedural irregularities and lack of communication merit a thorough investigation to ensure consumer rights are protected.
Company Response:
State: FL
Zip: 32084
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I was paying someone through the bill pay portion of my corporate checking account and somehow the payment was sent to my late wife 's Chase credit card ( that has been closed since she passed away 2 years ago ). I immediately advised the bank of this error and informed them that this card was my wife 's credit card and that I had no responsibility related to the card. I have dealt with the branch and numerous " back office '' staff members and still have not received a refund. It has been over 6 months and I can not get a straight answer on when my {$2600.00} will be returned to me.
Company Response:
State: ID
Zip: 83607
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I recieved a letter on XX/XX/2023 that Chase Bank is closing all my accounts with them. My checking account, my savings account, my CD account, and my credit card stating due to unexpected activity. I am in the middle of planning my wedding. The difference in my account activity is that my expenses are temporarily higher at the moment. I have never overdrawn any of my accounts. I do not make any international transactions. My bills are always paid on time. I have a credit score of XXXX as per Chase. I asked bankers at Chase to go through my account to see if they identified anything troubling with my accounts. They noticed no red flags of any kind that they could see. I requested my XXXX report and my early warnings report to see if I was possibly a victim of fraud and anything erroneous was listed. Both reports were clean. The agent from XXXXXXXX XXXX went through my report and could not identify any reason for Chase to close my accounts. I am a XXXX XXXX XXXX who has always been financially responsible. I don't have any loans, or any outstanding balances. I would understand Chase freezing my accounts if they suspected fraudulent activity due to the increased activity. Infact I would prefer that. But Chase made no contact with me and simply sent me a letter with their final decision. I offered to provide receipts and invoices for any transaction they had a question about, including two cash withdrawals but they stated nothing could be done. Weddings require deposits to multiple vendors. What should be an exciting time for me, Chase has caused me added stress despite being a long term reliable customer. It is frustrating being punished when you have always done everything right and to not even be given a chance to defend yourself. I understand a bank has the right to end a relationship with a client. However I do not fit in any of the reasons why one might. Chase has been my primary bank since my first job and my expenses are in full transparency since my primary credit card is also with Chase. It is frustrating as a consumer to not have any explanation.
Company Response:
State: NY
Zip: 11419
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was debited {$1000.00} for an ATM withdrawal that I did not make on XX/XX/23 at a Chase bank ATM in XXXX, Illinois. The bank closed my claim without providing any proof that I did not perform the transaction. I filed a police report on XX/XX/23 ; report # SCP XXXX.
Company Response:
State: IL
Zip: 60193
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: My mortgage is services by Chase Bank, after it was sold to the by XXXX XXXX about XXXX months ago.. Approximately XXXX months ago ( while still with XXXX ), I changed my payment structure such that I would be paying every XXXX weeks rather than monthly in order to accelerate the payoff, and also added a nominal additional payment ( {$230.00} / month ) towards the principal. Doing so required an additional full month of payment to be made during the initial month, which I did willingly. On XX/XX/2023, with ABSOLUTELY NO CONSENT OR AUTHORIZATION FROM ME, Chase Bank arbitrarily changed my payment structure back to once per month at the standard payment amount ( no additional payment towards principle ). I have spoken with the Chase Bank 's Mortgage Customer Service department to get this fixed, to no avail. I was told the change was made because my personal bank account from which the payment was drafted was closed. This is PATENTLY FALSE. Not only is the personal checking account still open, Chase Bank has subsequently made auto-drafts from the EXACT SAME ACCOUNT. This change has already cost me money and extended my projected payoff, and has now cost me significant time as well as I've made multiple calls to correct the problem with Chase 's Customer Service. To get this fixed through the normal process, I would have to again pay an additional full month 's payment in advance. What happened with my mortgage payment schedule through Chase Bank is absolutely unacceptable and I suspect illegal. Please help!
Company Response:
State: CO
Zip: 80528
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I received an email stating : Thanks for requesting a new credit card! We'll review your Chase Sapphire XXXX credit card application and be in touch soon. Problem is I never requested the card. The request is fraudulent in nature as it was not sanctioned
Company Response:
State: IL
Zip: 60175
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A