Date Received: 2023-10-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Dear Sir/Madam, I am writing this letter as a long-standing customer of JP Morgan Chase Bank XXXX XXXX XXXX XXXX track record, requesting your urgent intervention in the matter of my credit card accounts ' unexpected closure. I have been banking with Chase for numerous years, maintaining XXXX checking accounts, XXXX personal credit cards, XXXX business credit cards, and a mortgage account, all with an exemplary payment history. In fact, to ensure I never miss a payment, I have all my accounts set up on auto-pay. XXXX my astonishment and subsequent dismay when my credit cards suddenly ceased to function, and my accounts appeared to be non-existent. The sensation of being left in the lurch was overwhelming. I have always held Chase in high regard, confiding in your financial services to help manage and nurture not just my personal finances but also my dreams and aspirations as an entrepreneur. This trust was shattered when I discovered my credit card accounts were abruptly closed without any prior warning. I am convinced this resulted from a technical oversight by the bank, leading to the closure of all my credit card accounts. I had opened a new business credit card for my XXXX XXXX XXXX XXXX XXXX '', anticipating the card to be automatically integrated into my all-in-one Chase login, similar to all my previous accounts. However, this did not occur, and no notification was sent out regarding this exception, making me unaware of the account 's balance. Unaware that this XXXX card had its own separate login credentials, it was impossible for me to set up auto-pay or manually clear off the balance, a lapse which was in no way a result of my negligence but a mere miscommunication and a technical oversight. When I reached out to your customer service, I learned of the unpaid balance of approximately {$450.00} on the XXXX XXXX card. The moment I was informed of the outstanding balance, I immediately paid the balance in full, a testament to my readiness and commitment to uphold my financial responsibilities. This entire unfortunate incident was due to a miscommunication and a technical error, not on any negligence or irresponsibility on my part. My unblemished XXXX XXXX and years of faithful payments bear testament to my reliability as a customer. I am a responsible homeowner and serial entrepreneur, consistently choosing Chase for my banking needs. I implore you to put yourself in my shoes. XXXX the shock, the disorientation of finding the financial foundation you've built over the years suddenly pulled out from under you. XXXX the hurt and disappointment when you realize that this upheaval is not a result of your own doing, but of a technical error. This mishap has deeply disappointed me, as I have always held JP Morgan Chase Bank in high regard, entrusting you with my personal and business financial needs. I find it disheartening that all my credit card accounts were closed without prior warning or efforts to reach out and resolve the issue, especially given my history with the bank. With this letter, I am not just asking for the reinstatement of my credit card accounts, I am appealing for empathy, understanding, and fairness. I am appealing for the reinstatement of my trust in Chase, a trust that has been deeply shaken by this incident. My impeccable credit history, punctual payments, and my commitment to maintaining my accounts efficiently speak volumes about my character and reliability as a customer. If this situation remains unaddressed, I am left with no other choice but to reconsider my future financial endeavors with Chase. It is a decision I would take with a heavy XXXX, given the years of mutually beneficial relationship we have enjoyed. In conclusion, I request your assistance in rectifying this situation, emphasizing that it was a mere technical oversight that doesn't reflect my actual banking behavior or history with JP Morgan Chase Bank. I ask you to view this situation not just as a corporate policy procedure but as a deeply personal issue that has greatly impacted my life. This is not merely a request but an XXXX plea for you to rectify this situation and help restore the faith I once held in Chase 's commitment to its customers. Thank you for your understanding and empathy. I anticipate a swift resolution that would heal the distress caused and allow us to move forward, restoring our relationship to its former trust and mutual respect.
Company Response:
State: TX
Zip: 78724
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, a check for {$16000.00} was deposited in my account, for payment. The check cleared, and I was able to withdraw {$3900.00} on the XXXX with no problems, after I went into the branch and verified my identity with the banker. Out of nowhere, Chase puts a hold on my account, now saying they need to verify with the maker of the check, before I can have access to the rest of my funds. Ok, no problem, but for some reason they can't seem to get in touch and now I am being penalized with no access to funds and threats of closing my account with a remaining {$12000.00} in my account. I also gave Chase a direct number to use, which they are saying is not in " there '' system??? I'm wondering shouldn't they have done all of these protocols prior to clearing the check and releasing my funds, just to now find a way to close my account and keep the money that has already cleared. Not sure if this is even legal. Please have them release my funds as soon as possible, it will be extremely appreciated! Thanks
Company Response:
State: NY
Zip: 11208
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
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 XXXX I was offered XXXX XXXX XXXX to monitor my credit. This service was offered to me because of two massive data breaches which could lead to credit card identity theft. On XXXX and XXXX I received from XXXX a report of an unconfirmed address. The addresses were in Michigan and Wyoming. I have never lived in either state. I have owned a home in which I reside at XXXX XXXX XXXX XXXX, XXXX, Indiana since XXXX. I have only briefly resided in XXXX, Indiana while maintain the home in XXXX, Indiana. On XXXX I received from XXXX a delinquent credit payment notice ( over 30 days ). This notice was attached to an unknown Chase Bank Credit card. I researched all my credit cards. I found that I did have an Amazon/Chase credit card. The last activity was in XX/XX/XXXX. That account had been paid in full by a check written from my XXXX XXXX Checking Account. I checked with the bank on XXXX and received a Report Transmittal verifying that Centier Check # XXXX Account XXXX for {$53.00} had been cashed on XXXX by Chase Credit. I have always received paper notices for my Amazon/Chase Credit Card . I had never received a delinquent payment overdue for my Amazon/Chase Credit Card via mail or any other means of communication. The only reason I found this information was the XXXX XXXX XXXX. On XXXX I contacted Chase Bank ( phone number obtained from XXXX XXXX XXXX ) at XXXX. I told the Chase Representative ( XXXX Ext XXXX ) that I received a {$35.00} over 30 days late ( per XXXX report ) on a Chase Credit Card. I initially forgot that I had the Amazon/Chase Credit Card listed in a prior paragraph. My XXXX Account per XXXX lists 10 credit cards. JPMCB as of XXXX now lists 60 days overdue payment of {$110.00}. I explained to the Chase Representative on XXXX that I did not recognize any unpaid Chase accounts. The representative was told that I dispute the {$35.00} overdue payment. This representative was also informed about my concern that addresses in Michigan and Wyoming were showing up on the XXXX Report. She was told by me that I never lived in those states. The Representative was also informed that I never received by any means communication from Chase of an overdue bill. The Chase worker stated to me that I would not be charged for the disputed delinquent bill. I also opened a dispute with XXXX XXXX XXXX XXXX ( Report # XXXX ) upon advice from XXXX XXXX XXXX XXXX Chases delinquent bill report. On XXXX XXXX stated via E-Mail that my dispute had been completed. I reviewed the completed dispute to find that Chase Bank had done nothing other than report to XXXX my address had been verified. I do not know if my real Indiana address or the falsely report Wyoming or Michigan addresses had been verified. There was no mention of a resolution on my disputed overdue Chase XXXX. On XXXX I received an E-Mail from XXXX that my account was now 60 days overdue. The amount overdue was {$110.00}. I again contacted XXXX Chase Bank ( XXXX ). I talked to three different Chase workers before I was directed to someone who could help me. That worker told me that my Chase Account still reflected a delinquency of now {$110.00}. I told her that the only Amazon/Chase account known to me # was not delinquent as all three transactions in XXXX with that card had cleared by XXXXXXXX XXXX with the payee being Chase Bank XXXX ( XXXXXXXX XXXX Checking Account # ( Routing # ) .Check xxxx dated XXXX for {$63.00}, # xxxx dated XXXX for {$27.00}, and # xxxx dated XXXX for {$63.00}. ) That worker told me to get a Report Transmittal from XXXXXXXX XXXX and fax it to XXXX. I asked that worker to speak to a supervisor. The supervisor told me the initial fax number was incorrect and to address the fax to Payment Research Operation at XXXX. She also told me to put the credit card number on the fax. I asked the supervisor why I had not received any communication from Chase Bank on an overdue bill as I commonly received bill notification via mail. The supervisor stated someone should have called me. I obtained on XXXX from XXXXXXXX XXXX XXXXXXXX branch The Report Transmittal requested by Chase Bank. The material requested along with a two page synopsis of my concerns was faxed to both numbers given by Chase Bank on XXXXXXXX Chase Account # Fax XXXX Payment Operation Research Fax XXXX I believe because of the delinquency timeline ( my last transaction on known Chase account ) that another Chase Card was used. I do not have any other Chase Card other than the Amazon/Chase Card listed in this letter. If another Chase card was used for this delinquency it was fraudulently obtained using my identity with a bogus address. Please resolve this issue as XXXX has downgraded my credit rating from Excellent to Good. Please notify them once this issue has been resolved. I am extremely unhappy with my experience with Chase Bank in resolving my problem. I do not want any relationship with Chase Bank. On XXXXXXXX I contacted ( XXXX ) XXXX to report that my dispute resolution ( # ) was not resolved. XXXX stated they would reopen the dispute. I also left a message ( XXXX Ext XXXX ) with XXXX XXXX XXXX that my issue has not been resolved by Chase Bank. I will be sending my concerns to the appropriate Federal Agency that regulates credit cards.
Company Response:
State: IN
Zip: 463XX
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I reduced a letter via certified mail, had to sign for it on XXXX XXXXXX/XX/XXXX, upon review it stated I would be getting sued if I did not contact them for payment agreement plan. Upon contacting Chase, they stated I had to two options 1 ) settle for XXXX and must pay in full by XX/XX/XXXX or be sent to lawyer for legal action 2 ) pay full amount owed of {$5900.00} in full by XX/XX/XXXX or be sent to lawyer for legal action. On this call I spent 45 minutes explaining my situation and said I could pay $ 300 month through XXXX ( {$1200.00} ) then in XX/XX/XXXX pay {$1500.00} until my account was paid in full. He entered and said its not an option as I owe in full or will be sued. I asked for escalation review and he returned and said sorry, you must pay in full by XX/XX/XXXX or we send lawyers for legal action on XX/XX/XXXX. I offered even to extend myself to pay XXXX in XXXX then XXXX XXXX, XXXX, XXXX and he said no you must pay in full or we will take legal action and your credit will be effected.I am at a loss, I tried to pay and enter a plan. He said I defaulted on a payment I said, yes bc you closed my bank account and that is why. Once I established my new checking account I resumed payments.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: A check for {$9200.00} was deposited on XX/XX/XXXX. Chase put a hold on the check as well as restricted my account on XX/XX/XXXX. They sent me a virtual letter stating that I need to call them or they might close my account. I called the same day and was told that they needed to call the maker of the check to verify the check. When I provided the makers phone number I was told that the phone number isn't " verified '' and that I would have to wait 7 days for the check to clear to access the funds. The funds were cleared within 7 days but the restriction wasn't lifted on my account. On XX/XX/XXXX went to my local branch to figure it out and was told they still need to verify the check by phone which they couldn't do because the maker was out of the country and the phone number was not a " verified '' number. I was also told that the alternative would be that I would wait for my account to close so that they could send the funds back to the maker so that they could just wire it to me when I reopen my account.. I reopened my account on XX/XX/XXXX at the same branch the funds were taken off my account and was told that since I've been with Chase for over 7 years there was no need to send the money back to the maker and that they will release the funds to me. I would just need to call them back in 3 to 5 business days to start the process. I called them back once XXXX and also the XXXX. I was once again told that the funds will NOT be released until they can call the maker. ( I've provided both phone numbers for the maker everytime they asked ) On XX/XX/XXXX one of the makers ( XXXX names on the check ) and I physically went to a Chase Bank branch and provided proper identification but were told by the branch manager that there was nothing they could do and that Chase would hold on to the funds until they can verify the check by phone. We were also told that they use an external service to verify phone numbers called XXXX. ... The maker has contacted their cell service provider and confirmed that all their information is up-to-date. I was later contacted by Chase 's escalation department and was told that again Chase needs to verify the check by phone and the phone number needs to be verified by XXXX or have the maker requested a recall on the funds through their bank. On XX/XX/XXXX we tried to recall the check at the XXXX XXXX XXXX branch with the maker which didn't work since the funds were already cleared almost 2 months ago and Chase has removed the funds from my account. The maker and also went to the Chase branch and the maker even provided his own Chase credit card with all his information including his phone number ( same one that has been provided before ) on a Chase account to further verify his identity but Chase still won't release the funds. So now there's over {$9000.00} just that neither I or the maker can get access to. It's been almost 2 months and this feels like a scam
Company Response:
State: WA
Zip: 98270
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My truck was stolen from in front of my house and all my things were in it phone, debit cards, credit cards, license etc. I was calling to close all my accounts and cards and noticed my Chase bank account had been compromised and someone was filtered out my money from Chase to my XXXX. All I can guess is that it's the bank debit card they had to get my money, since I have no debit card to my Chase account because they never sent it. I called disputes at Chase, told them what happened and seen on the federal commissar site to tell them it was reg-e dispute. They literally laughed at me and hung up. That was on XX/XX/XXXX and I have since had this claim denied three times with prove to them that everything I said was true. They also denied every claim after this as well. On XX/XX/1929, XXXX I had attempted to use the virtual atm and the only way to transfer money even to ATM is through XXXX. Somehow these transfer were given to my account at XXXX, but then XXXX says they rejected them and gave them back to chase, but no money has ever been given back. But online on my statement it says rejected returned to XXXX. Not one bank in over 30 days has issued me a provisional credit. Chase gave me a provisional credit for the first set of XXXX payments that were fraud for the XXXX, but then two days later they took it back. It over drafted my account by that much and by this point I had lost additional XXXX through return reject from XXXX and Chase. They are not willing to do anything but continue to deny my claim that I gave them all the paperwork, saying that it should have been put back into my account. While my account was over drafted, I also lost my paycheck ( majority of it ) through Chase to cover the XXXX they took back with no right to do so. I asked them for the investigation they did. They would not send it to me but said someone hit the button saying they were sure they wanted to send it so I was responsible. It did not matter to them, it my phone was not in my possession at this time. I called XXXX about the payments to find out where they were returned and rejected payments back to, but their answer was nothing and closed my account on their own. To this day, I have yet to recover any of my funds back!
Company Response:
State: OH
Zip: 43130
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I deposited {$3000.00} cash into my Chase branch atm. The atm said that it could accept XXXX bills. I put into the atm slot XXXX {$20.00} bills. After it took my money it printed out a receipt without the amount of money I put in and it just said please call chase if you do not see the funds in your account. I immediately called and filed a claim because the funds never went I to my account, now its XX/XX/XXXX they are still giving me the run around about my money and they have told me that it was about 14 error messages with the same atm that I used but still havent credited me or given me any of my money back.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I had checked my checking account and saw there was XXXX Dollars spent on my account that was not me and I told them all the purchases that were not me and they refunded me XXXX only and took it back out of my account a couple weeks later which took the rest of my money it has been XXXX years and Ive called everywhere and nobody seems to be able to help me I have proof the XXXX XXXX from the purchases that added up to XXXX and it said that it was in XXXX I showed them that and they still would not give me a full refund please help I havent been able to have a bank account in 2 years they closed my account because it was in the negative and I had no money to pay it
Company Response:
State: CA
Zip: 91605
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Deposit of {$3500.00} for my blood son Account froze learned on XX/XX/XXXX by trying to withdraw funds Contacted fraud department explained son had no ID due to a revocation on permit Was told I could go into branch and get my available money by teller but had to bring my son with birth certificate and any form of id that showed birthdate such as social school id insurance card XX/XX/XXXX went into branch and learned needed XXXX id only acceptable form and could not retrieve my money in account until restriction is lifted
Company Response:
State: NY
Zip: 10026
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: A few weeks ago, the Chase closed my account with no notification. I went to a branch immediately and see what happened and what next. They told me that a cashier check will be sent to me later and asked me to wait. Then, I keeps waiting for my check for more than XXXX weeks. I found that nothing coming so I decide to call them this morning, they told me the check is hold and still been reviewing. I just need my check back.
Company Response:
State: CA
Zip: 92614
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A