Date Received: 2023-10-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have a checking/savings account with Chase Bank XXXX Upon review of my account information online with Chase Bank someone deposited a counterfeit check in the amount of {$2400.00} into my checking account and withdrew the money from my account. I was told at the bank that this was done through some sort of online process. Chase Bank did credit my bank account for the dollar amount. I was told there is no software that would detect any fradulent activity on my bank account which could send a text message stating this, and to accept or decline. If this was an option I could have declined this transaction, and no money would have been taken out of my bank account.
Company Response:
State: TX
Zip: 76001
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: A check I sent to a vendor was lost in the mail. I had Chase bank put a stop hold on the check. I was told no fee would be incurred on the lost check stop hold. Six years later, I'm assessed the {$4.00} fee again in my account. I'm told no fee would be incurred for a lost check, yet they still incur a fee and do it six years later?
Company Response:
State: CA
Zip: 91356
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: My father XXXX XXXX in XXXX, XXXX in XXXX XXXX XXXX ( XX/XX/XXXX ) but he was a US citizen. His XXXX XXXX was issued in XXXX, so it's in XXXX. I got it translated like Chase bank asked in XX/XX/XXXX. I also got the my fathers XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I am the executor, as the only child of divorced parents. The bank is asking for an XXXX stamp from the embassy in XXXX. His original XXXX XXXX has this stamp that Chase Bank wants and they will not take the translated version without the stamp. They are also asking for a consular XXXX XXXX XXXX from the embassy in XXXX. Both documents ( consular XXXX XXXX XXXX of a US citizen, and the XXXX stamp ) can't be obtained here in the USA and would require me to go to XXXX again. I do not understand why they need both documents. And I want to make very clear that even if I take the translated XXXX XXXX to XXXX, it will still have the same stamp as the original certificate and it will be in XXXX.
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Loan was paid off and title to vehicle was issued and received with no lien recorded. A cease and desist letter was issued after continued harassment pursued. Loan amount was {$39000.00} and {$45000.00} was paid due to interest.
Company Response:
State: NY
Zip: 10704
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: Managing an account
Subissue: Banking errors
Consumer Complaint: Chase Bank Terminated my Checking Account and CHASE says i can 100 % never Bank with Chase again violates Americans With Disabilities Act 15 Years like no Problems with CHASE then Chase Support transfers me to Fraud Department fore 100 % no reason because everything 's working 100 % Good then Fraud could not verify me and lock me out of my Account 10 times fore 100 % no reason and spend 70 Hours on the Phone with Chase Support give XXXX Help //////////////////////////////////////////// XXXX XXXX banks and my other banks are all deny my ACH Transfers /////// Chase bank maliciously Lock me out my Accounts 10 times fore 100 % no reason CHASE wreck my Banking fore the next 10 years endless Problems then CHASE Terminate the Accounts /////// XXXX Credit Score there 100 % no reason a bank should suspect me of Fraud
Company Response:
State: MN
Zip: 560XX
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: On or about XX/XX/2023, I submitted a verbal detailed dispute to CHASE VISA claiming failure of XXXX XXXX to repair my girlfriend 's car AC system on XX/XX/2023 and charging me {$1200.00}. XXXX XXXX submitted only the invoice and did not respond to my allegations of " bait-and-switch '' of compenents and failure to answer our many attempts to contact them the day the system failed or any time after that, including in their responses to CHASE. CHASE XXXX did not agree with me and on XXXX XXXX, 2023 I sent CHASE XXXX a detailed letter with many exhibits showing costs incurred and the fraudulent placement of a re-manufactured AC compressor in the car instead of a new one which XXXX and I had agreed to. I also provided proof of XXXX ignoring our phone calls, messages, and emails as well as proof XXXX over-charged me for the re-manufactured compressor. The compressor installed failed 4 times. Incredibly, CHASE XXXX still did not support me so I provided CHASE XXXX with another letter on XXXX XXXX, 2023 detailing the VISA Core Rules and Visa Product and Service Rules ( Policy # XXXX, dated XX/XX/2023 ) and CHASE XXXX still will not support my claim for failed service and fraudulent behavior. And this time on XX/XX/XXXX, the CHASE XXXX person who called me to deny my claim had no knowledge of the complete record including all my costs to fully repair the AC system and rental car while the car was in the shop being repaired, XXXX 's refusal to talk or message with me, and denied the results of my previous XXXX conversations on XXXX XXXX and XXXX with other CHASE XXXX staffers including a Dispute Supervisor. When I asked for specific details of CHASE XXXX 's decision, this staffer hung up on me.
Company Response:
State: CA
Zip: 94903
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Dear CFPB, My wife and I received an email on XX/XX/2023 from Chase Bank with an offer to open a " First Banking Account '' for kids. It contained the following offer language : " Enjoy {$25.00} when you open a new Chase First Banking account by XX/XX/2023. Limited to XXXX Chase First Banking bonus offers every XXXX months. Chase First Banking is exclusively for parents/guardians who are existing Chase checking customers. It includes the following : XXXX XXXX XXXX Monthly Service Fee Check-Mark Debit card in your child 's name Check-Mark Banking account owned and managed by you Check-Mark Designed with kids ages XXXX in mind and available for kids XXXX years old '' This email offer contained the following disclosure regarding the opening of accounts : " Bonus/Account Information : You can receive a total of XXXX Chase First Checking opening related bonuses every XXXX months from the last coupon enrollment date. To receive the bonus : Open a new Chase First Checking account, which is subject to approval. We'll deposit the bonus into your new Chase First Checking account within XXXX days of account opening. Limit XXXX Chase First Checking related bonuses per customer. To receive this bonus, the account must not be closed or restricted at the time of payout. Bonus is considered interest and will be reported on IRS Form 1099-INT ( or Form 1042-S, if applicable ) '' We have been Chase customers for over XXXX years, our children are XXXX and XXXX year 's old and we opened these accounts on XX/XX/2023. This email offer/advertisement clearly states that we could open XXXX of these First Banking account for our XXXX children. I even went to the nearby Chase branch with my children to introduce them to the staff, who were very welcoming and our kids were excited to open these account with a {$25.00} bonus that was promised by the Chase branch employees who read over the offer email carefully. However, Chase Bank only deposited the {$25.00} bonus into one of our children 's account saying that the other child did not qualify. Once I spoke to the Chase branch employee that opened the account, he even disagreed with this apparent " Back Office '' decision and escalated our complaint to the Chase Branch Complaint Group. Today, XX/XX/2023, I heard back from the Chase Branch Complaint Group stating that their final decision is to not honor their advertisement and stated that only 1 child qualifies for this offer, which is totally contradictory to the written offer we received. If the goal of Chase bank was to teach a XXXX XXXX XXXX XXXX that a regulated U.S. bank is deceitful, dishonest and will break promises on a whim, despite what is clearly stated in a written offer, they have succeeded. I understand that it is only {$25.00}, but the memory of this broken promise despite everything we read and heard from the Chase branch employees will last a lifetime. Please let me know if you have any questions. Thanks for hearing us out. Best regards, XXXX & XXXX
Company Response:
State: CA
Zip: 94588
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I moved to the US with my family in XX/XX/XXXX. As XXXX without any credit or rental history, our apartment application was accepted with increased security deposit ( exhibit XXXX ). We paid the security deposit on XX/XX/XXXX using a cashiers check through Chase bank ( exhibit XXXX ). After XXXX year we decided to move out from this community. The community did not find any damages and hence on XX/XX/XXXX they sent us a notice about returning the security deposit minus remaining utility charges, totaling {$3000.00} ( exhibit XXXX ). Shortly after, they also sent us a check with the corresponding funds. I tried to deposit the check to my Chase account on XX/XX/XXXX at a Chase branch and I was told by Chase that the funds will be on hold for XXXX business days. However, on XX/XX/XXXX I received a letter from Chase that both my checking and saving accounts got restricted and I could not use them ever since ( exhibit XXXX ). My bank accounts were eventually closed around XX/XX/XXXX. The reasoning provided by Chase is that they could not verify the issuer of the check by calling a verified phone number associated with the companies written on the check. However, the XXXX XXXX and associated XXXX XXXX firm claim to have their public records in order. The check issuer also claims that they can provide any documentation needed and that the authorized users of the issuing bank account are available to confirm any information needed, none of which Chase is willing to accept. None of this is helpful unless Chase gets a phone number that nobody understands how and where to update. Moreover, to my understanding, Chase has my {$3000.00} and will neither return it back to the issuer nor give it to me unless they verify the check issuer. Eventually, after about XXXX years, they say that they will send my money to the state/country. Clearly, the restriction of my accounts caused me a serious harm, they restricted all my funds and they refuse to return my {$3000.00}. Moreover, my salary from XX/XX/XXXX was not returned to the employer even though my accounts were not functional. As of XX/XX/XXXX I still have not received my salary as it is somewhere at Chase.
Company Response:
State: FL
Zip: 33617
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 deposited a check from XXXX XXXX XXXX from the State of California. Chase bank has put the funds on hold. I am XXXX and XXXX XXXX as a result of a hate crime, a woman sprayed bug spray in my face, and another hit me over the head, I suffered a XXXX XXXX XXXX, and three weeks ago had XXXX XXXX XXXX in my neck. I was awarded XXXX XXXX from the State of California, yet tonight I am hungry, without food, three weeks after XXXXXXXX XXXX XXXXXXXX. Chase gives me a hard time every time I make a large deposit, from a music grant I won from the XXXX XXXX XXXX and XXXX XXXX in San Francisco, for {$2000.00}, two deposits of {$680.00} from the City and County of XXXX XXXX, and now a {$910.00} check from the State of California. After several calls, each with a different excuse, in my last call a manager told me the check is verified, but the State of California hasn't sent the funds. An interesting commentary on our government, but paramount to our discussion, apparently Chase bank is concerned the State of California, the 5th largest economy in the world, won't come up with the money. Chase bank uses terms like " discretion '' as code, so they can make it easier for some, and harder for others. An industry with a history of redlining, and a year removed from the XXXX XXXX XXXX scandal of purposely overcharging their customers, one of which was me by the way, has not earned trust. I am hungry because Chase bank is keeping me from my money in an obvious display of racism. And I protest in the strongest terms.
Company Response:
State: CA
Zip: 94109
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 company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My credit report is showing late payments to XXXX - CARD SERVICE XXXX and XXXX - CARD SERVICE XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX CARDs customer service representative.
Company Response:
State: FL
Zip: 33183
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A