Date Received: 2023-10-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT WAS OPEN XX/XX/XXXX AND CLOSE XX/XX/XXXX COMPANY FAIL TO PROVIDE STATEMENTS COPIES FROM THE ABOVE DATES. I HAVE MADE MULTIPLE REQUEST FOR STATEMENTS FOR ACCURACY OF ACCOUNT. COMPANY FAIL TO PROVIDE ACCOUNT INFORMATION AND PAYMENT HISTORY FOR PAYMENT HISTORY
Company Response:
State: OH
Zip: 44102
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: Subject : Complaint Against Chase Bank for Unjustified Account Closure and Prolonged Holding of My Legitimate Assets Dear Consumer Financial Protection Bureau, I am writing to express my serious concerns and distress over Chase Bank 's unreasonable closure of my account and prolonged withholding of my legitimate assets. Their actions have caused me significant harm and have severely impacted my daily life. The extended retention of my funds has led to a detrimental drop in my personal credit score as I have been unable to make timely credit card payments. All my money is held within this Chase account, leaving me without even the means to afford basic necessities like food. Despite numerous attempts to communicate with Chase customer service, I have been met with resistance and lack of assistance. Notably, a representative from Chase 's fraud department named XXXX displayed particularly egregious behavior. Upon sensing my intention to lodge a complaint, XXXX refused to provide their employee ID, made baseless accusations that I was profiting from my personal account, and attempted to manipulate me verbally into admitting as such. This conduct has added to the distress I am experiencing. Given the grave implications of this ordeal on my life, I am urgently requesting : Immediate reinstatement and unlocking of my account. The prompt return of my legitimate assets. Restoration of my account functionalities. Compensation for the distress, inconvenience, and financial loss incurred due to their actions. I am relying on the Consumer Financial Protection Bureau 's assistance in resolving this urgent matter, restoring my trust in the banking system, and ensuring that such actions by financial institutions are addressed swiftly and justly. Thank you for your attention and intervention. I await your prompt response. Sincerely, XXXX XXXX
Company Response:
State: CA
Zip: 94546
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: My son received a settlement check over the past weekend. My son is currently at a mental institution. I went to visit him and he signed the check. I went to chase on XX/XX/XXXX and deposit the check. The next day I went to buy something to eat and my account was restricted. When I deposited the check, the receipt said the check be will cleared in XXXX XXXX. I went to a branch and they had computer problems that day so the clerk gave me a number to call. When i called Chase the supervisor said my son needs to call them with a cellphone that his name is registered to. My son is currently at a mental institution. He does not have a cellphone. He can call me on a patient phone. Not only has chase blocked my account but they restricted it. I can not buy food to eat. I am multiple myeloma and I am hungry. I have begged them the allow me to take some of my money from the account, and they said no. The check is legit. Now chase told me after XXXX XXXX they will close my account and issue me a check. It will take another XXXX XXXX before I can get a check issued from them and the check will be void. The check is from the XXXX. They will closed my account
Company Response:
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
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 went online to my account and paid the full amount that was owed and called Chase that same day and told them I was closing the account. Almost 2 months later I get a text and an email stating my account is past due. I looked online and the same day my payoff was posted, other charges were posted. along with {$95.00} of interest. I asked them what that was about they claim it is billed in arrears and these were charges coming over on next statement... I told them that when you pay online it does say this is not your payoff, like an auto loan or home.. I never received a notification stating that I owed any more money until it is 16 days past due. I had an account with them for like 10 years maybe more have paid tens of thousands of dollars and have excellent pay history with them, this is so deceiving and completely unacceptable. I attached a copy of billing charges and a screen shot that shows amount owed and underneath states current balance not a statement that this might not be your payoff so contact us .....
Company Response:
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with monetary relief
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: At XXXX XXXX ET on Fri XX/XX/XXXX, XXXX, at the Chase ATM located at XXXX XXXX XXXX, XXXX, MA XXXX, the machine took my {$5.00} deposit, claimed it was unable to read the bill, said it was giving it back to me, but the cash drawer never opened, and then I got the error message " We're having some trouble. To be sure your deposit went through, please call XXXX. We'll print this number on your receipt. '' There was no receipt given. This is the second time this has happened. I have also encountered other people at the same ATM who have come out of the vestibule frustrated that they, too, have lost cash. I had written to the branch manager at my branch about this problem before and received no response. I asked the contact center to please repair this ATM, and they disconnected. This time, I waited over XXXX XXXX on hold to file an ATM claim with the contact center. I was transferred so many times after going through the XXXX system. Will Chase ATM ever get fixed? Will their branch and contact center staff ever respond?
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: A Credit Card and line of credit has been opened in my name thorough Chase Bank, a XXXX XXXX card. Upon spending countless hours trying to close it and determine why it was opened, how, and when. I am not being able to cancel or even get a person that can speak to me.
Company Response:
State: TX
Zip: 75032
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In XXXX of XXXX, I deposited a check for {$1000.00} from Sound Investment Advisors into my newly opened Chase Bank checking account. The check paid to me for services rendered was written to the name of my sole proprietor business " XXXX XXXX ''. Because my checking account was not affiliated with my business name, Chase seized the funds and closed my account without any notice. I did not receive an email, phone call or anything else. I went into the branch where I opened my account and deposited the check to ask what to do. They told me to bring in " any Washington State document showing that my personal name is affiliated with the business, such as my business license or any document from the Dept of Revenue with both my personal and business name on it. '' Due to Covid, it became very difficult trying to schedule a meeting with a branch manager, and the original branch which was handling this was shut down. When I finally was able to get a meeting in XXXX, the manager told me the funds were sent back to the company, XXXX, who issued the check, so the meeting ended and I left to go confirm with the company. The accountant at the XXXX pulled up their bank records which showed that the funds were not refunded. I then had to try to get another meeting with a branch manager scheduled but was unable to for a few months and when I finally was able to get a meeting again, the manager tried telling me the same thing, that the funds were sent back to XXXX. I told them they already checked their records and the funds were not refunded. The manager insisted that they were refunded and ended the meeting. I was unable to find time to go to another branch for a long time due to running my business but finally was able to go in again in XX/XX/XXXX. I brought my business license this time, the teller was very helpful and was able to track down the funds and a scan of the check showing that they are indeed still being held by Chase Bank. He contacted the associated department on the phone and asked what documents I needed to bring in to get my funds back. Even though I had my business license showing my personal name, business name etc, they told me I needed to bring in one of the following : A letterhead from the Secretary of State, IRS documents, or a letterhead from an attorney. I came back a few weeks later with a letterhead from an attorney stating that I am the business owner, and he also attached a document from the Department of Revenue showing my personal name, business name, address, phone number and date the business was opened ( back in XXXX ). The letter was scanned to the department and they told me to call them in 3 business days for it to process. When I call them back, they tell me the provided documentation is " not adequate '' and they will be keeping my funds, even though I brought them every document they've requested from official sources, clearly showing that I am the business owner. Every time I provided the necessary documents, they would move the goal post to something else. After multiple phone calls and being talked in circles for hours, they finally stated that " they can't verify my phone number in their system '' so they will not give me my money back. This is the same " system '' where during one of the aforementioned recent phone calls, they told me again that the funds were sent back to XXXX. I told them to look again because the teller I met with was able to pull up the scan of the check being held and confirm that Chase Bank was still holding the funds. The person on the phone replied saying " Oh sorry XXXX changed systems to a new one and a lot of things didn't get transferred over properly ''. So they are refusing to give my funds back based on their " system '' which is clearly and admittedly incomplete and imperfect. I have consulted with the attorney who provided the letterhead to me earlier and at this point my only option appears to be to go to small claims court.
Company Response:
State: WA
Zip: 98102
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Problem with customer service
Subissue:
Consumer Complaint: My business partner sent me a bank wire on XX/XX/2023. It finally went to JPMorgan/Chase on XX/XX/2023. Still have not recieved the funds from my business partner. I recieved a notice from Chase that they are closing my business account in 3 days as of XX/XX/2023. As of XX/XX/2023 my business account was closed, i got a call saying my remaining funds in my account will be sent to my address on file in 2 days. Its XX/XX/2023 still no answer on my wire they called me, and said they cant disclose any information in reguards to the incoming bank wire of {$54000.00} from my business partner. This is unacceptable and i want those funds sent to me immediately without any further delay. I have sent proof before that this is not fraud, or any illegal activity. I have also attached proof in attachments to this complaint. Thank you!
Company Response:
State: ME
Zip: 040XX
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: on XX/XX/2023 I made a deposit with a 3rd party cheque, which I had full authorization from sed 3rd party. The 3rd party endorsed the cheque, I ( account holder ) forgot to endorse before the deposit of the cheque. I then called chase immediately to express the situation at hand. Chase assured me once the 7 days have passed and the cheque was clear there will be no issues. Chase has now took the hold off the tender seeing that it isn't fraudulent, and now put my account in restriction. When I called Chase to ask why the restriction?, Chase expressed to me that they need to verify that the 3rd party gave me the cheque, which in due fact is not a problem for me to do. now their process was to give them the 3rd party phone number to verify, I gave them the phone number and they said because it is not a number on public record it can not be verified. I asked what is the process Chase expressed that they verify the number then make the call. Chase then expressed to have the 3rd party call their phone company and have them put the 3rd name in public records. After that was done chase was still unable to verify the number. you can not go in the bank to verify anymore which is absolutely ridiculous! I will be reaching out to chase ceo cfo & trustee. To express further the multiple excuses for why they have a restriction on my account plus the fact the cheque cleared. I would understand if I endorsed the cheque and the 3rd party did not but that wasn't the issue. this doesn't help the consumer one bit. Chase also has threatened to close my account as if there has been fraudulent activity going on which there isn't!. even with the 3rd party on the phone verifying they gave me sed cheque for deposit. anybody can get a phone number verified by calling up a phone company and acting as a person. Chase verification process is the worst process ever suggested to the consumer. Also train your agents better please. I have been doing business with Chase but I will Rescind ALL CONTRACTS, Security interest & proceeds if this matter isn't solved promptly.
Company Response:
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On XX/XX/XXXX and XX/XX/2023 I was assessed a {$15.00} fee for an incoming domestic wire transaction. I am currently expecting an incoming international wire transaction. I could not find any clear information on the chase Bank website about how much Chase charges to accept incoming wire transfers, whether there is a way to avoid them, whether the amount charged is different for international wires. I called customer service and the employee was also unable to find this information. The lack of transparency is what I object to. This should be readily available information.
Company Response:
State: CA
Zip: 93105
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A