Date Received: 2023-10-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In XXXX, I complained to Chase about a teller named XXXX who refused to deposit my loose coins, falsely claiming they needed to be rolled. After confirming Chase 's policy accepts loose coins, I sought an apology from XXXX. However, in XXXX, I unexpectedly received a letter accusing me of inappropriate conduct and placing my account under review, seemingly in retaliation by the branch manager XXXX. I experienced a clear violation of the code of conduct when the branch manager, XXXX, retaliated against your complaint about refusal of service by falsely accusing you of inappropriate conduct and subjecting your account to review. This retaliation raises concerns about privacy and security, as XXXX can access my personal data. I escalated the complaint to Better Business Bureau, and Chase executive team investigated without revealing the outcome or removing the record, causing distress and insecurity due to potential privacy breaches.
Company Response:
State: CO
Zip: 80231
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XXXX, I received a XXXX XXXX alert indicating a new Hard Inquiry to my credit profile. I immediately logged into XXXX XXXX and saw a hard inquiry from JP Morgan Chase of which I did not fill out an application for credit. I immediately called the phone number associated to the inquiry and spoke to phone agent in Fraud Application reporting the issue. The agent was apologetic and reported she would close down the application and send me an Identity Packet in the mail. To date, nothing received. Instead, 2 new credit applications submitted to JP Morgan in attempts to open credit and JP Morgan pulling my credit report. If a consumer calls once reporting fraud, why would JP Morgan allow further applications so close to the recent fraud date?! This appears irresponsible as a creditor and commitment to prevent fraud scammers. Please help me as now 3 Credit Applications are submitted and JP Morgan is not doing anything to prevent this from continuing. I already reached out to XXXX who gave me the run around for over an hour. Why is it so easy for a fraudster to commit fraud and a nightmare for the victim to get help. This is why I am reaching out to you. Please help!
Company Response:
State: FL
Zip: 33401
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
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: Dear CFPB, When I returned home to XXXX from a wedding in XXXX, XXXX, and checked my monthly statements, I noticed two transactions with my credit card and two transactions with my debit card that were not mine. I informed Bank XXXX XXXX and Chase immediately. Chase transactions : {$3000.00} description XXXX XXXX XXXX XXXX, merchant type XXXX XXXX XXXX ; {$2300.00} description XXXX XXXX XXXX, merchant type GENERAL CONTRACTOR. Bank of XXXX transactions : {$2300.00} XXXX XXXX XXXX ; {$720.00} XXXX XXXX XXXX XXXX. As far as I am aware the cards were in my position at all times. You will notice the amounts to XXXX XXXX were almost exactly the same on both cards. I'm not sure about XXXX XXXX XXXX, only thing I could find was a clothing store. Since I have a long history with Bank XXXX XXXX and they know me well, they returned the money immediately and the matter was closed. I have also had long and good history with Chase, but the dispute has been on going. I have to say they have been responsive but keep saying the same thing, they haven't looked into other possibilities that may have occurred. I have been disputing with Chase since XX/XX/2023 when the transactions occurred. Chase did inform me that the transactions occurred at the same time ; XX/XX/XXXX XXXX and XXXX local time. But since I was in position of the cards and I used the cards afterwards, then these transactions must be mine as well. I have tried to investigate, I contacted the hotel where I stayed, and they have been helpful in trying to identify these merchants. Although the merchant type states XXXX XXXX XXXX, XXXX Florida, I contacted the resort, and they say they have no record of this transaction or this amount. Therefore, it is probably an incorrect merchant description on the Chase transaction description. XXXX hotel where we were staying and helped me in identifying these merchants, say XXXX XXXX seems to be a General Contractor. I have found a website and location of XXXX maps but it looks fraudulent. XXXX, that Chase say is a XXXX, in fact, seems to be a security or a cleaning company about XXXX miles from where we were. I have tried to communicate by phone and email with them but no response. Chase say they tried to contact me at the time transactions were occurring, but I did not receive a call or text message from them. They are not able to provide me any receipt, or accurate information about the merchant or the products which I am supposed to have received. All the research I have done and shared my findings with Chase. For your information, these figures are extremely high for XXXX, each one is more than someone's annual salary. There is nothing I could have purchased while of holiday for these amounts. The only thing I can think of is either someone close to me in the wedding party would steal my wallet, use the cards and return the wallet. Or a portable scanning device, which would make sense since the transactions occurred for the different merchants at the same time. I have a perfect credit record and no record of any fraudulent activity. I could afford to make such transactions legitimately, no need to steal or lie about them. I have been communicating with XXXX at the Chase Executive Office ( XXXX XXXX ; XXXX Reference XXXX. I have emails regarding all of the about if you wish to view them. Sincerely, XXXX XXXX
Company Response:
State: GU
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My account was closed after I deposited two checks on XX/XX/2023. I got the two checks from auto dealership because I sold two cars. Chase said they will mail me the cashier check at XX/XX/2023. But they did not ship out yet. The amount are XXXX buck. I need the fund to pay my house payment and my credit card. All my money is in this bank. If I can NOT get that money, My house Payment will be late pay. If I still no pay the house payment, My home will be auction. I have XXXX kids. They are XXXX and XXXX years old. I do not want my kids to be homeless.
Company Response:
State: CA
Zip: 91765
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I made a deposit into my business checking account from my main client/employer ; XXXX XXXX XXXX in the amount of {$17000.00}. I received a receipt from the teller stating the full funds would be released and available on XX/XX/2023. On XX/XX/2023 I learned the bank lengthened the hold on funds an additional 8 days ( XX/XX/2023 ). I made payment arrangements for XX/XX/XXXX based on the receipt the bank provided me. I called the hold dept of chase bank and they informed me they could verify the check had cleared the makers account and release funds. The representative called US Bank ( XXXX bank ) and US Bank does not provide verification due to their privacy policy. The rep offered to me a solution to have the maker call US Bank and get a register number.. again US Bank does not comply. I walk into chase bank branch where Im told the branch manager has quit and no manager is on duty. The teller made a request for hold release based on me showing evidence the item had cleared US Bank ( copy of the cashed item ). This was declined. The rep on the phone then told me there are various reasons for the continued hold and the funds will not be released. This has cost me significantly.
Company Response:
State: ID
Zip: 83815
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I have a checking account with Chase Bank actually XXXX accounts XXXX I have direct deposit one I do not have direct deposit because on the third account I don't have direct deposit I have to make XXXX purchases a XXXX keep from getting any fease I'm making the purchases which bills Are being paid on that account monthly so I am making a XXXX purchases but at the end of every month I keep getting this {$12.00} and sometimes I sent the XXXX and XXXX and XXXX again I don't look at my account too often last month I looked at the account and they had been doing it for months even though there has been XXXX purchases every month white clock work But they continue to take that XXXX dollaresult for a fee for not making the purchases I contacted Chase Bank a month ago they credit me all the {$12.00} fees But again last month The fee was charged to my account again when I looked at my statement this is a ongoing situation I am unable to close the account because I have to come in to a branch to close the account as well as my son because I was the payee of his account when he was receiving social security Besides that the closest branch is XXXX and a XXXX hours away there's nothing closer and they would not do it over the phone so to me this is a loose loose situation I contact them over and over again and they keep putting my money back but they shouldn't have to do that if they would stop giving me the fee and I'm making the required purchases I would appreciate your services on helping me with this problem Thank you so very much
Company Response:
State: IL
Zip: 629XX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Today, I am writing this complaint to JPMCB CARD regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those accouns mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2.
Company Response:
State: TX
Zip: 77479
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I requested the inquiry from JPMCB to remove from my credit bureau including all 3 major bureaus : XXXX, XXXX, XXXX.
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My credit report is constantly being used to get a credit card from XXXX on XXXX/XXXX/XXXX XX/XX/2023. I called the company and Im not getting anywhere and someone keeps applying in my name and it keeps hitting my hard inquiries. Im requesting a full investigation into who keeps trying to get a credit card and also the company for not complieing with my request to put a block on any credit card the company supplies at the the moment and I even offered to give them a password only I could use in applying for their services. This has happened twice in the last week and Im asking for resolution asap.
Company Response:
State: MI
Zip: 48197
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was running an ecommerce business in XXXX & opened a Chase bank to process my transactions through. I ended up processing roughly XXXX XXXX through my checking account. I was able to transfer some of these funds ( roughly XXXX XXXX ) but Chase froze my ability to be able to transfer my money out of my checking account in early 2021. At the time I didn't mind because I was at least still able to use the funds in the account. Chase then completely froze the money and would not allow me to use the funds for any purpose. After 7 months of fighting back and forth with customer service and going in and out of several Chase branches trying to figure out what was going on, I received the same response every week when I called in which was " I can't inform you on what's going on, call back in another week '' I then started researching the chase terms of service under which it says that Chase can only hold funds for 1 year and is then REQUIRED to disburse the funds back to the owner. So I waited the year, and still nothing happened. I received the same response from the Chase branch representatives and customer service. Although this time, it turns out that Chase DELETED my account. So now my entire checking account and all my money are gone. It has now been over 2 years, and I still don't have my money. I have now came to the conclusion that Chase will not be disbursing my funds and have pretty much stolen them from me. I am now going to be heavily pursuing this matter to retrieve my money that was stolen from me.
Company Response:
State: CA
Zip: 92078
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A