Date Received: 2023-10-04
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I'm grateful that I found the Consumer Financial Protection Bureau ( CFPB ) so I can finally have my voice heard. Not too long ago, I won a {$500.00} scholarship from XXXX XXXX, but they took an unusually long time to send the money. On their website, it stated that the funds were intended for student expenses, among other things. When the scholarship check finally arrived, I tried to deposit it into my XXXX XXXX XXXXXXXX account. Unfortunately, they refused to accept it, claiming there was something wrong with the check. Given my previous minor issues with XXXX XXXXXXXX XXXX and my desire to change banks, I decided to open a new account with Chase, which accepted the check without any problems. I felt relieved and thought I had made a wise choice by selecting Chase as my new bank. However, my elation was short-lived when I discovered that I couldn't access the funds. I immediately called Chase because I depended on that money to pay my credit card bills. As a student, my income typically ranged from {$100.00} to {$200.00} per week ( depending on working hours ), so this scholarship was significant to me. During my conversation with a customer service representative, I was informed that the check hadn't been correctly endorsed, and that's why they had placed a hold on my account. I tried to cancel the check, but they told me it wasn't possible because they needed to verify it with the scholarship provider. To cut a long story short, the scholarship provider blamed my college ( XXXX ), XXXX pointed fingers at the bank, and the bank, in turn, blamed the scholarship provider. An entire month went by, and no one seemed capable of resolving my issue. I spoke with more than ten individuals, and every time I asked to speak with a manager, no one was willing to assist me. I repeatedly explained that I didn't care about the {$500.00} ; I needed access to my work earnings since that's where all my money was going. Unfortunately, my workplace didn't allow me to change my bank account, and it would take two weeks even if they did. No one at the bank was willing to help except for my fiance, and the two of us are currently struggling to make ends meet. This situation has made the past month incredibly difficult. I wanted to share my story to highlight how unhelpful and unprofessional everyone involved acted. In the end, they claimed to have " fixed '' the issue by closing my account and sending me my workplace checks. However, it has been a week, and the checks still haven't arrived. Consequently, I can't pay my credit card bills, which is a major concern for me. Chase doesn't provide an email contact to reach managers, and their staff is uncooperative when it comes to connecting customers with managers, regardless of the situation. They don't notify customers when their accounts are restricted or closed, nor do they provide updates on what they plan to do. If I hadn't called them, I wonder what they would have done with the money, considering they sent the checks in the afternoon after my call. I am thoroughly exhausted by this ordeal, and it's disheartening to think about how many people are being affected. If I were solely dependent on a weekly paycheck, I would be facing homelessness right now, all because of this frustrating experience with Chase.
Company Response:
State: FL
Zip: 33010
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: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XXXX, 2023 I, through my banks bill pay, accidentally made a payment to a closed Chase bank account. it should have gone to my XXXXAmazon Chase card. I have made repeated attempts to have this money refunded and they give me a run around. it has now been almost 4 months and they have refused to give the money back. XXXX XXXX XXXX XXXX ( my bank ) and their bill pay service have tried to assist with this, but I have yet to get the money back. I am a XXXX citizen on a fixed income and this is causing me a financial burden and stress causing health problems. I would like a solution to this problem. Neither bank appears to know what they are doing. I can't believe these people are in control of the little money I have!
Company Response:
State: CT
Zip: 067XX
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: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/XXXX, I encountered two distinct offers for the Chase Sapphire Preferred card : a pre-approved invitation from Chase promising XXXX bonus points and a public online offer for XXXX bonus points. Upon applying for the card via the public XXXXpoint offer, I was promptly denied on the grounds of " an excessive number of credit inquiries, '' a rationale that puzzled me given my record of only one inquiry over the past 12 months. What is particularly baffling is that, on that very same day, I applied via the pre-approved invitation through the Chase Mobile app and was instantly approved but for the lesser XXXX points offer. The stark contrast in the outcomes, both rendered within hours of each other, raises serious concerns about the consistency and fairness of Chase 's evaluation system. I subsequently contacted Chase Card Services on XXXX XXXX ( as indicated by my communication dated XXXX ) to request a match to the XXXX bonus points offer. The first response I received was on XX/XX/XXXX, stating that my account had a temporary hold by the Fraud Department, and they couldn't review the bonus offer at that time. My concerns were escalated to an investigator on XX/XX/XXXX. However, despite the gravity of the escalation, there was a prolonged silence from Chase. It was only after my follow-up message in XXXX that I received feedback. On XX/XX/XXXX, I was informed that my account ( ending in XXXX ) wasn't eligible for the XXXX bonus points promotion, and a match to this offer was refused. Throughout this period, there were noticeable delays in communication, and the issue has not been resolved in a manner I deem fair.
Company Response:
State: WA
Zip: 98056
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: In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consume report containing any of the following items of information Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Delete the accounts below JPMCB CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Company Response:
State: TX
Zip: 75050
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I found a fraudulent charge for {$44.00} by XXXX XXXX a foreign exchange fee on my Chase checking account. I disputed it and it was denied. In the letter it said I can request the information used for this research. I requested more information but all that was repeated was I was found to have authorized this transaction because I hadn't disputed charges from them before. I have NEVER received a transaction from XXXX before, and Chase denied my request for actual proof or to speak with the agent who worked on my claim. There was also a foreign transaction fee for XXXX and I never traveled outside of the U.S in XXXX, which makes no sense. I have proof that I was in the U.S. This is unacceptable as it is clearly a fraudulent charge and they denied my claim with no proof. There is also multiple users online having the same problem, getting the same unauthorized charge of {$44.00} by XXXX.
Company Response:
State: NY
Zip: 11219
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: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Dates : XX/XX/2023, XX/XX/2023 Received an email about a new credit card that I had allegedly applied for on both dates listed above. I called Chase and had Chase remove both applications and remove both inquiries.
Company Response:
State: TX
Zip: 76179
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: 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 CONTRACTED WITH MARRIOTT MEMPHIS FOR A CERTAIN NUMBER OF ROOMS. THE HOTEL CHARGED ME FOR THE UNFILLED CONTRACTED ROOMS. THE CONTRACT WAS COMPLTED BY THE AMOUNT CHARGED. HOWEVER, THE CONTRACT ALSO STATED A CERTAIL LEVEL OF MARRIOTT POINTS WOULD BE AWARD WITH THE COMPLTED CONTRACT. THE POINTS WERE NOT AWARD FOR HOSTING THE EVENT PER THE CONTRACT.
Company Response:
State: FL
Zip: XXXXX
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: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/XXXX and XXXX, 2023 at the Chase bank located at XXXX XXXX XXXX in XXXX XXXX I attempted to access my father, safe deposit box after his death to perform a Will search. I presented XXXX XXXX my father 's death certificate, the safe deposit box lease agreement, my driver 's license and the box key. The lease agreement designates me as the designee to access the safe deposit box upon his death. I was told by XXXX XXXX and her manager, by phone, this document was not valid, even though they were in possession of the original form. XXXX XXXX gave me a small estate declaration form and stated that the only way to access the box was with the form completed and notarized. It's my belief that the bank has broken California law, Probate Code Section 331, not allowing me to perform a Will search or access the box in any way to make copies of my father wishes given reasonable proof of identity.
Company Response:
State: TX
Zip: 78148
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 deposited into my JP Morgan Chase Bank checking account by mobile deposit my first paycheck from the XXXX XXXX XXXX XXXX XXXX in the amount of {$4500.00}. That same day I received an email from Chase alerting me that my deposit had been accepted, but that my funds would be delayed because " [ c ] hecks within this deposit may not be paid because of information we have received from the paying bank or due to information we have within our own files. '' The email notified me that the funds would be available on XX/XX/2023. On XX/XX/XXXX, I received an email notifying me that I had a new letter from Chase. I attempted to access the letter, but repeatedly received a notification that that statements and letters portion of Chase 's system was down. Today, XX/XX/XXXX, I was able to access the letter, which informed me that my funds would be held until XX/XX/2023. Under " Hold Reason, '' the letter said only, " The information we have indicates the deposited check ( s ) may not be paid. '' This delay has already caused me to miss a car payment, and will cause me to miss my rent payment and multiple credit card payments, and accrue the resulting fees and interest. My account is currently overdrawn because of the hold. I called Chase bank today, XX/XX/XXXX, in an attempt to get the hold lifted. They told me there was nothing they could or would do. They did not inform me of the reason for the hold, aside from saying they hadn't received verification from the other bank. I reiterated that the check, as they could clearly see, is a paycheck from the XXXXXXXX XXXX XXXX XXXX XXXX. It is not a personal check and it is not in danger of not being paid. After getting nowhere with Chase, I turned to C.F.R. Sec. 229. I called Chase again and asked to speak with a manager. I explained that, under C.F.R. Sec. 229.10 ( c ) ( 2 ) they were obligated to makes the funds deposited in my account available for withdrawal not later than the second business day after the day on which the funds were deposited, since the check meets the requirements of C.F.R. Sec. 229.10 ( c ) ( 1 ) ( iv ) ( a check drawn by a state government, issued in my name, and deposited in my own account ). They still refused to release the hold. I then directed them to C.F.R. Sec. 229.13 ( e ) ( 1 ) and asked them to explain to me the " facts that would cause a well-grounded belief in the mind of a reasonable person '' that the check is uncollectible. They provided no such facts. I then informed them that the same provision requires them to provide, in the written notice of the hold, the reason for the bank 's belief that the check is uncollectible. I explained that the reason stated in the notice letter ( " The information we have indicates the deposited check ( s ) may not be paid. '' ) did not comply with the statutory requirement, as it provides no factual basis for their belief that the check might not be paid. Again, they provided no such facts. I reiterated that the check, as they could clearly see, is a paycheck drawn from the account of the XXXX XXXX XXXX XXXX XXXX XXXX and that I believed they were holding my funds without authority and in violation of the Code of Federal Regulations. They did not justify the hold, nor did they release it. Chase continues to hold over {$4500.00} of my earned money without reasonable cause.
Company Response:
State: CO
Zip: 80210
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: Other transaction problem
Subissue:
Consumer Complaint: On XXXX XXXX the XXXX XXXX XXXX sent a wire transfer from XXXX XXXX {$5000.00} to Chase bank in NY. Because it's a transit bank XXXX XXXX Bank in XXXX. Chase bank didn't transfer the XXXX Bank, and they didn't refund the money to XXXX Bank.
Company Response:
State: FL
Zip: 34758
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A