Date Received: 2023-10-03
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: So back in 2021 I was going through a finical hardship I lost my job because I suffered a work injury. I had 2 checking accounts and 1 saving account with Chase. I ended up becoming over drawn with my account by about roughly {$1700.00}. At the time I was unable to pay it all at once so chase closed my account. Earlier this year I tried to open another account with Chase and was successful upon making a payment towards my debt. I got a settlement back in XXXX and went into a Chase branch to pay off my debt. I paid the banker cash and was told my account will be clear. How ever I recently tried to open a account and was instructed to call customer service, when I spoke with them they told me Chase was no longer doing business with me and that I still have a balance on my account which I told them I paid it cash inside the branch. I would either like my cash back and interest because I was taken advantage of by the branch banker. I would like to also be able to bank with Chase again.
Company Response:
State: NV
Zip: 891XX
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 on a mortgage
Subissue: Delays with the closing process
Consumer Complaint: I purchased a home in XXXX, the loan eventually was transferred to Chase. In XXXX, I refinanced with Chase. A loan from Chase refinanced with Chase in XX/XX/XXXX. I am now attempting to sell the home. Upon title search it was discovered that there are 2 mortgages open on the property. Chase didn't perform their due diligence and never closed the initial loan. Now I am unable to complete the selling of the home. I have contacted Chase at length. Beginning on XX/XX/XXXX asking for a lien release. I called XXXX on Monday XX/XX/XXXX, escalated to a manager was told I would be contacted in 48 hours. I provided countless documents through the escalation office, including the closing documents from the refinance with Chase that includes the initial loan account # as well as the new account number that was eventually transferred to XXXX. I have called, emailed and although once or twice I received confirmation that a lien release was appropriate, that information has been followed up with another email stating it wasn't. I have called, emailed, escalated. The closing for the home has passed and now I am responsible for another month of mortgage. Every time I have contacted Chase, either through the lien release department or the escalation department I have been told they need more time. This request has not been taken seriously. We have relocated due to employment changes, we are paying two mortgages at substantial financial distress, we have a buyer but due Chase 's clerical error I have not been able to close. If I were to lose the buyer to the home due to their inability to provide the necessary documentation, they would be liable. I have given them the time and documentation they have requested. They have failed to follow through or comply with my request.
Company Response:
State: NY
Zip: XXXXX
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: 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 XX/XX/XXXX I purchased a plane ticket and travel protection from esky.com for a flight to take place on XX/XX/XXXX. At the time of purchase I thought I was buying my XXXX plane ticket from XXXX, I still do not know how I ended up on XXXX website. After I purchased my ticket I realized I was not on Delta.com and did a quick XXXX search of esky.com and saw several results calling it a scam. I was anxious and believed I was a victim of fraud and immediately called XXXX to report what had occurred. The agent informed me once the charges posted they would be disputed and she canceled my current card and ordered a new card to be shipped to my home. A few days passed and I noticed the charges were still on my account, that's when I called Chase again and found out I needed to call a particular department to dispute the charges. I believe on XX/XX/XXXX I officially disputed the charges and explained I was a victim of a phising attack when I purchased a plane ticket and travel insurance, I was refunded for the flight and travel insurance. on XX/XX/XXXX I received an email confirmation for the flight scheduled for XX/XX/XXXX. This flight confirmation was from XXXX, com and this was the first piece of evidence I received to inform me esky.com was a legitimate site. On XX/XX/XXXX I also noticed that the charges for the flight and the travel protection were posted back on my account and my dispute was closed and overturned. I called XXXX knowing that I purchased XXXX XXXX and if nothing else I could cancel the flight for full refund because of it. I spoke to several people who told me a refund was on the way and my bank would credit the amount back. I called Chase XXXX XXXX explaining to them esky.com representatives are stating Chase will refund me my money back and that is why they cant honor my travel protection purchase and refund my flight. I believe esky.com was misleading in their initial response to Chase bank stating the flight was still available for me. It was not because I actually went to Delta.com that same night I thought I was scammed by esky.com and purchase a flight ticket for the same times. I tried several times explaining to Chase esky.com is not honoring my purchase protection and they were not working with me to refund my money. Chase has not been fair to me in taking into consideration my experience with the esky.com merchant. I asked if I could have a member of Chase on the phone to hear the response I get from esky.com in trying to get a refund for my ticket but Chase refused. I have been a client of Chase Bank for over 18 years and have never disputed a charge with them before nor missed a payment. I called Chase bank within XXXX mins of the purchase to XXXX so I am confused why the charge was posted and why they did not advocate to protect my purchase. I understand I made an error in thinking esky.com was a scam but I paid for a ticket I could not use and the travel protection I paid for was not honored by esky.com and Chase refuses to refund me for either. As a consumer I feel Chase failed to protect from esky.com refusing to honor my travel protection and refunding my flight.
Company Response:
State: GA
Zip: 30152
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing to follow up on the open case [ XXXX ] that I have filed against Chase Bank , which pertains to alleged debt collection activities. The following accounts in question are : XXXX XXXX, XXXX & XXXX. It has come to my attention that Chase Bank has failed to comply with legal requirements and continues to engage in harassing and improper debt collection practices, despite my prior complaint and your intervention in this matter. As previously communicated, I have been inundated with an incessant stream of illegible documents from Chase Bank, none of which substantiate their claim that the alleged debt is indeed mine. Moreover, Chase Bank has not adhered to the established legal standards by failing to provide clear and valid documentation supporting their claim. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, debt collectors are required to provide consumers with clear and concise verification of the debt 's validity upon request. To date, Chase Bank has not met this fundamental obligation. The documentation they have provided remains ambiguous, leaving me in a state of uncertainty regarding the legitimacy of the debt in question. Additionally, I have received a generic letter from Chase Bank asserting that I did not provide sufficient information for them to initiate an investigation into this matter. This assertion is both misleading and inaccurate, as I have provided all necessary information required under the FDCPA and your agency 's guidelines. It is clear that Chase Bank is attempting to obfuscate their non-compliance with the law and evade their responsibility in resolving this dispute. Chase Bank 's actions in this matter not only constitute a breach of the FDCPA but also demonstrate a disregard for the principles of good faith and fair dealing, which are foundational in contractual relationships. Pursuant to the FDCPA and other relevant consumer protection laws, consumers are entitled to fair, transparent, and honest treatment during the debt collection process, which Chase Bank has flagrantly violated. I have attached the correspondences received from Chase Bank, which clearly illustrate their unwillingness to cooperate in good faith. I urge the Consumer Financial Protection Bureau to take swift and decisive action to compel Chase Bank to adhere to the law and fulfill their obligations under the FDCPA. In light of Chase Bank 's continued harassment, lack of compliance with legal requirements, and their failure to provide clear evidence substantiating the debt 's validity, I request that the Consumer Financial Protection Bureau take all necessary measures to ensure that Chase Bank promptly ceases its improper debt collection activities and initiates a thorough and legitimate investigation into this matter. I appreciate your prompt attention to this serious matter and trust that the Consumer Financial Protection Bureau will uphold its mandate to protect consumers from abusive and unfair debt collection practices. Please keep me informed of any developments in this case and the actions taken by your agency.
Company Response:
State: NC
Zip: 27511
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: JPMC and XXXX continue to report on my credit report after 7 years. I looked at some FCRA laws and it states Section 623 ( a ) of the FCRA generallyprohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. JPMC and XXXX continue to report on my credit report after 7 years. This is a violation of my rights
Company Response:
State: FL
Zip: 33018
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: I am writing to express my concern over an unsettling interaction with Chase Bank that led to the unfair closure of my account and withholding of my funds. A few months ago, I deposited a cheque at Chase Bank, which was my two months ' security deposit from my previous apartment. The said amount was successfully recognized and credited to my bank account within a few days. However, distressingly, Chase Bank proceeded to close my account suddenly, without prior notification. More worrisome is the fact that they retained my deposited funds and only provided a refund for the other balance in my account. When reaching out to Chase for clarification, I was informed that they could not release my funds before they successfully verified the management company of the apartment complex I previously resided in. It baffles me why they would credit the check to my account in the first place, only to later state that verification of the source of the funds was required. Chase Bank, furthermore, indicated that if verification was unsuccessful, my funds would be transferred to the state. It is unsettling that despite funds being clearly entitled to me, they wound up with control that they were not entitled to.
Company Response:
State: MN
Zip: 55423
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: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have a Marriott Bonvoy Credit Card which I have had for over 20 years. I am supposed to receive Free Night Award ( FNA ) on my anniversary each year. I am also a Platinum Lifetime Member of Marriott. I never received my certificate in my email. I originally called Marriott who then told me to call Chase. I called Chase who said they were also not responsible and told me to call back Marriott. I called back Marriott and were told again to contact Chase. I asked to speak with a supervisor at Marriott but was told they were not able to do that. I called Chase again and was told it is a Marriott issue. After being on hold for 17 minutes, I was either hung up on or disconnected.
Company Response:
State: WI
Zip: 530XX
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Good evening, My name is XXXX XXXX XXXX. My girlfriend and I had a small flood in our basement. The insurance paid us for the items that were ruined, we had a renter 's insurance policy that we each paid half on, although the policyholder was in my girlfriend 's, XXXX XXXX XXXX. We had plans for this check, to replace some of the things that were lost, as well as pay some bills.The amount of the check was for {$7600.00}. Well, my girlfriend passed away in her sleep, I found her when I went to wake her up. By the way, I am XXXX XXXX XXXX, as well as XXXX was, XXXX XXXX XXXX. Because of XXXX 's passing, I mourned for nine days before I started to think, what am I going to do now? I get {$2900.00} Social Security on the third of each month. Now, the way we paid our bills, XXXX each month would add all the bills up split it down the middle and we each paid half. I paid XXXX anywhere from {$1300.00} to $ XXXX check that we had plans for is now a type of survival for me at this time. So, I took the check to the Chase Bank drive thru ATM. The Chase Bank is located at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXs ( XXXX ) XXXX and deposited on XX/XX/2023. The next morning after the deposit, I'm looking at my email, and there's one from Chase Bank saying there was an error at the ATM. So, I'm thinking an electronic error for some reason. I called the bank, mentioned the error, they told me they sent the check back to me and when you received it come to the bank and deposit with a teller at the bank. I finally get the copy of the check in the mail. The next day I go into the bank, but before I go to the teller, because the check was in question, I consulted with a Bank customer service rep. I showed her the check, she said fine, is it endorsed? I turn the check over and she says go to the teller. I slide the check to the teller put my ATM card in with my pin for verification, the teller tells me the funds will be available in fourteen days, I then leave the bank. The next thing I know is my checking account is restricted. The reason they gave me was that I deposited a pay to estate check into a regular checking account. I knew nothing about estate checks can not go into regular account, it has to be deposited into an estate account. And I only found that out when it was explained to me the morning I called the bank about the restriction. Now, I would think, showing the customer service rep the check, and seeing it said pay to the estate, but maybe I'm wrong but I would think she would have maybe asked if I had an estate account. And surely through the training of the tellers to do their job they would know not to accept and deposit an estate check into a regular account. What should have happened, the teller should have slid the check back to me and said, XXXX XXXX we can not deposit your check, you need to open an estate account to deposit that check. I would have turned around and said thank you and walked out. Now, this is the first time I had to pay the rent myself, and the landlord understood that XXXX passed. Well, because of the restriction, the check to my landlord was returned to him. The automatic payment to my auto insurance was declined. So I called my landlord, and couldn't say how sorry I was about the check bouncing. I told him I would get the rent money in cash. I then return to the bank to withdraw {$2000.00} cash from my account, I was told I couldnt. I said that can't be right! The funds I had in my account had nothing to do with that check I deposited. I walked out empty handed. After a day or so, I called the XXXX number for customer service for the bank. I told them about the withdrawal I was trying to do. They told me I have every right to those funds. I asked the rep to please put that in my notes. I return to the bank and tell them about my phone call, he still refuses to give me my funds to pay my landlord. I finally convince him to look at my profile and the notes. He reads it, makes a couple of phone calls, and after a half hour of waiting, I finally got my rent money and met my landlord and paid him the rent in cash. How, embarrassing. Well, with all the problems with this check, I called the insurance company back that submitted the check to us, told him about the pay to estate quotation on the check. His reply to me was he was going to stop payment on the check in process and mail me another one with the estate quotation voided. So, I called the bank to tell them the latest news and the woman on the phone at the bank says that check is ready to clear on Thursday. I call the insurance company back and I was told it was too late to stop the check. So the funds cleared. I called the bank and asked the woman in the fraud department, this is where they are taking my calls, where is the money from the check that was deposited? She told me the funds are held in suspense, and need verification of the executor for the funds to be released. Now, I'm trying to get the funds to pay the bills. I didn't pay my car payment, made no payments on any of my credit cards last month, I didn't even have the money to pick up my prescription at XXXX XXXX. I was told the funds would be released with proof of the executor of the estate. The executor of the estate is my girlfriend 's son, XXXX XXXX. I called XXXX and told him the trouble I'm having and would he be so kind to come to the bank with the proper documentation so I can get the funds released from the bank? He agrees to meet me at the bank a week ago at XXXX XXXX and take time from work to do this. We go into the bank, I give I think the manger is referred to as XXXX my Chase debit card and licence. He logs into the computer and said the check was mailed to you. Pushes his chair back, end of conversation, didn't even ask for the documents that XXXX had with to show proof and get the funds released. I told XXXX what I was told earlier about the funds in suspense. He couldn't be bothered to look any further. So, I apologized to XXXX and off he went. I now wait five days, no check. I call the bank back on the XXXX customer service line about why I haven't received the check? The rep says, we didn't mail that check to you, we mailed the balance of your checking account to you because we closed your account. Yes, I did get a check for {$16.00} and some cents. So, do you think that when I went in with the executor of the estate, I was there checking on a {$16.00} check?? So, here I am, thinking how I can get XXXX to return to the bank again with the proper documents, which we already did a week before in person. I left a message to XXXX asking him if he could go back in with me. Shortly after I left the message to XXXX, Chase Bank calls me, I reiterate what I've been saying here. She tells me at first it has to be verified with the executor of the estate, I told her we already went into the bank to do that. She tells me it will take five days for her to call me back. I said could it be sped up because of the situation I'm in and have a little compassion? She said no, five days.Today is the XXXX of XXXX. The check was first deposited on XX/XX/XXXX. Is this right? It is cruel if you ask me. Now, I am a Senior Citizen, I've had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am presently under a doctor 's care because I'm lXXXX XXXX and they haven't found the cause yet. I was at XXXX XXXX I now weigh XXXX XXXXNot only that, I am still grieving for my girlfriend. With what they did to me here is caused my credit rating to plummet. I can not afford to live here and have every intention on moving out and getting a place I can afford. But, with the bank giving me the run around, getting a different answer each time I call, restricting my account, then closing it all together over this you know what I call it? Passing the buck. They put all the blame on me when unknowingly, I wasn't aware of doing anything inappropriate. I would think the employees should know their job well enough to stop a deposit to go through so this wouldn't happen to another person. I was even told, when the woman explained to me about the different accounts that their staff needs to be trained to be aware of this. So, here I sit, waiting to get the funds to relieve me from all the turmoil and stress I've been under. The thing I truly worry about is my credit rating. No if 's but 's about it, I will have to start applying for an apartment. Who do you think they are going to rent to? Someone with a good credit rating, or me? I think you know the the answer already. Thank you for your time. Sincerely, XXXX XXXX
Company Response:
State: NH
Zip: 038XX
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: XXXX Ten fraudulent charges appear on my Chase account. All were for XXXXXXXX XXXX XXXX XXXX XXXX Three charges for {$49.00}, Six charges for {$9.00}, and one charge for {$8.00}, totaling at {$210.00}. At XXXX that day, I received a text from Chase Fraud saying Chase Fraud XXXX We declined {$85.00} with card ending XXXX at XXXX. Was this you? Reply YES or NO. If yes, you will not be charged unless you try again. If no, we will close your current card and send you a new one that you should receive in 5 to 7 business days. Msg & data rates may apply. I replied at XXXXXXXX XXXX with NO. The delyed reply was due to me being asleep when the initial message was sent. The reply i received was, Chase Fraud : Thank you, we will close your card and send you a new one that you should receive in 5 to 7 business days. If you recognize all the other charges, you don't need to do anything else. If you see other charges that aren't yours, please call us using the number on the back of your card. I then proceeded to call Chase and make a fraud claim as the amount listed in the text message was not aligned with the total amount that was missing from my back account. Chase told me that it appeared to be digital wallet transactions and that they would look into the situation. They credited me for the missing funds. Important details I included when informing chase is that I hadnt been to New York recently at all, and that the transactions previous and immediately following the fraudulent charges were from my actual location, Nevada, to be be vague. XXXX XXXX XXXX I checked my bank account on a whim, and noticed that the funds I was credited for the fraud situation were reversed the previous day ( XXXX ). I received no email, no text message, no in app notification of this, I simply happened to notice. This then lead to a series of phone calls. The first was a phone call to Chase Bank, asking what the reason was for my claim to be reversed. The first person that I spoke to essentially told me that because the issue stemmed from my digital wallet, there wasnt anything they could do. I asked multiple times on why, if that was the case, they looked into the claim in the first place since they were aware the issue stemmed from my digital wallet. The same answer was repeated and I was told to call the support for the digital wallet ( XXXX ). When I asked this person for the number, his response was to XXXX It. The next phone call I made was to XXXX XXXX. I was told by them that the only help they would be able to provide is with an XXXX XXXX XXXX. If I needed assitance with transactions that occured on my Chase card, I would have to go through Chase. I called Chase back, re-explained my issue, and was met with a similar response as the previous time I called Chase. The difference this time being that the reason it was reversed is because that there is nothing in the digital wallets history that points to the charges being fraudulent. At this point, I asked for this to be escalated to a supervisor. Speaking to the supervisor, she reiterated the point that nothing in my digital wallets history ( logins, password changes, new devices, etc. ) was a red flag, so there was nothing they could do. So I asked If nothing on your end is currently a red flag, then why was I notified by Chase Fraud about the transactions in the first place? The question was never really answered, but the response I was met with is that after the fraud charges occured, nothing else was done on that digital card and that card was closed, and a new card was added into my digital wallet. My respinse to this was Well yes, because you guys deactivated my card and replaced it with a new card in my digital wallet automatically. It was here that the supervisor felt the need to clarify that, We did not do that on our end immediately, that only happened when you made the phone call to make a fraud claim. I brought up the text messages I received notifying me of the fraud, and I was told that If you dont respond to that immediately, we just ignore it on our end, because basically that means that youre not concerned about it. So essentially because I wasnt awake when the charges happened, and I didnt respond to the fraud text fast enough, there was nothing chase could do. And obviously this is completely discarding relevant information like me never having been to New York, not making any recent purchases at a beauty supply type location, never having fraud issues on my account previously, or any other blatant pieces of evidence that would apply for a physical debit card.
Company Response:
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Chase bank froze my account and held my payroll funds. I woke up on payday and my direct deposit had not posted. I called my employer and they said they posted to my direct deposit account on file. Upon calling chase they said they froze my account and are closing it. There was no notice and they posted a notification the day they closed it which was the day of payroll!!! And immediately froze my funds and after XXXX hours no one could tell me why or tell me how to get my payroll. After 5 days they allowed me to withdraw my payroll. Still have no idea why they closed my account. Then all bills paid from this were late and rejected and caused me fees to returned payment fees.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A