Date Received: 2023-09-27
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I've been banking with JP Morgan Chase for both Personal ( Account # XXXX ( Who gave me a Private Client Account, and numerous accounts for my two business ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX including a credit card. Other than providing a letter, they've given me no reason as to why. I visited a branch, they told my wife no reason. They have not closed my fianc 's accounts who lives at my home who also has a JP Morgan Private Client Account, however, her name is XXXX XXXX an American name. I just fell I am being discriminated and singled out which is not fair. I've been paying them interest and fees for many years and have never had one negative mark on my mark.
Company Response:
State: NY
Zip: 11572
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a checking account with Chase to take advantage of the bonus of {$300.00} if you have a payroll direct deposit. I am working with XXXX and part of my paycheck is directly deposit to Chase Bank. Currently, Chase has not given me the bonus because per representative the deposit was not showing as payroll check, instead it is showing as a transfer. I offer to send a copy of my paycheck as a proof it is my paycheck, but they declined. I felt they are not giving me a chance to prove it was a payroll check and is not willing to give the {$300.00} bonus. I spoke to several representative & manager, who advised someone will call me back in 2 hrs. I waited 48 hrs but nobody called me back. After calling them 4 times someone advise the case is closed. I conference the rep with XXXX XXXX, and our XXXX confirmed it was a payroll deposit, but they still did not accept the verbal. Please help. This is a false advertisement of Chase Bank.
Company Response:
State: TX
Zip: 75048
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My name is XXXX XXXX, a XXXX student studying in XXXX, the United States. On XX/XX/XXXX, I received a call claiming to be from the XXXX consulate in XXXX XXXX. The callers name was XXXX XXXX, accurately providing my personal information. The caller said that a woman named " XXXX XXXX '' was apprehended at XXXX XXXX XXXX XXXX attempting to exit the country with a forged passport in my name. I was urged to file a report and obtain an official report receipt ; otherwise, the use of my passport would be compromised. The call was then redirected to a purported " XXXX Police Department '' number, which I verified online to be an official number. Believing the situation to be genuine, I cooperated and was guided through an online oral statement, resulting in the issuance of a " police report receipt. '' ( The following contacts with them were mostly done by XXXX and XXXX. ) According to the " XXXX, '' my identity was misused, implicating him in a significant transnational telecom fraud case. The U.S. authorities were allegedly investigating the case. The fraudsters claimed to have discovered a debit card registered in my name within the fraud group 's location. Consequently, I became a suspect in the case and could potentially be arrested by the FBI. The " XXXX '' emphasized the confidentiality of the investigation and instructed me not to disclose any information to anybody, assuring that this cooperation would clear my suspect in due time. They asked me to contact them ( video chat ) using XXXX, XXXX all time ( XXXX ) and should not stop and I followed their instructions. Earlier this month, they asked me to send XXXXXXXX XXXX to XXXX XXXX XXXX XXXX XXXX bank account so that they can help me write a statement claiming that I am innocent or else I will be caught by the FBI. Later, my parents and my parents friend and relatives wired me XXXX XXXX within a week ( XX/XX/XXXX to XX/XX/XXXX ). On XX/XX/XXXX, they directed me to go to the local chase branch to wire this XXXX USD to their accounts. Then the transfer got cancelled and my accounts were closed by Chase because Chase believes these transactions to be suspicious. Chase will send the rest of the money in my accounts to me in check. Although I did not lose any money in this fraud, I lost my Chase bank accounts and my identity was frauded by the scammers ( they asked me to provide a lot of my IDs ). I immediately went back to the XXXX the day I realized I was scammed ( XX/XX/XXXX ) and asked if a banker if they could help me recall the wire transfer. But after 10 days of review process, Chase closed my accounts. Moreover, I was really depressed and feeling helpless because of this fraud. The fraud lasted about XXXX weeks and I kept in touch with the fraudster XX/XX/24. I have loads of screenshots and I kept my history chats with them ( XXXX ), although I have deleted history chats on XXXX. XXXX XXXX XXXX in XXXX XXXX name : XXXX XXXX XXXX who contacted me in the very first place using phone number XXXX, and the number got redirected to XXXX ) XXXX Police Officerss name : XXXX XXXX Police XXXX ( then the number got redirected to XXXX and then got switched to XXXX and XXXX ) XXXX XXXX XXXX XXXX XXXX Registered XXXX : XXXX ) XXXX Attorney General name : XXXX XXXX XXXX who XXXX me to go to the local Chase branch and provided me the recipient account ) ( XXXX Registered XXXX : XXXX ) Recipient name : XXXX XXXX XXXX XXXX for your prompt attention to this matter. I trust that your expertise and dedication to upholding the law will assist in the resolution of this case. I am available for any further inquiries or assistance that may aid in the investigation.
Company Response:
State: NY
Zip: 14850
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My Bank account was compromised and money was withdrawn without my knowledge
Company Response:
State: NY
Zip: 11412
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
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: Chase claim XXXX XXXX and XXXX I asked Chase to help me dispute a {$440.00} charge from XXXX XXXX and provided clear documentation with USPS tracking details. The tracking details clearly shows that XXXX XXXX ( the Original Sender ) shipped it out via XXXX on XX/XX/2023. XXXX tried to deliver on XX/XX/2023 and it was refused by the recipient. XXXX then returned it to the merchant ( the Original Sender ) on XX/XX/2023. However, the merchant refused to issue a refund. Merchant responded to Chase that they never received the merchandise. However, XXXX website clearly indicated that the package was returned to the merchant ( the Original Sender ) on XX/XX/2023. However, Chase still decided to side with the merchant twice given clear evidence that I never took possession/received the products and furthermore USPS successfully returned it to the merchant. When I called Chase dispute department, their response was that I had proof that the merchant took possession of the returned merchandise. However, the tracking shows USPS returned it to the merchant ( the Original Sender ) on XX/XX/2023. If this is not sufficient proof, then the pillar of the modern e-commerce would no longer work. Most of the packages delivered nowadays do not require a signature and video proof. And the modern e-commerce relies on tracking information provided by shipping companies including USPS as evidence of delivery. Chase 's decision to side with the merchant is clearly mistaken and biased.
Company Response:
State: CA
Zip: 948XX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I inquired into a promotion that was offered to me in my personal Chase account XXXX, regarding XXXX bonus points for XXXX XXXX accounts. I inquired into whether I would receive the bonus points if I converted my existing Chase account to the XXXX Preferred version, and they replied yes. Note that there is an annual fee associated with this new account type, whereas I did not have XXXX before. So I was misled into thinking I would get the travel/bonus points, but in reality ( the story I'm hearing now ) is that the promotion was only for new accounts and not existing. But this is exactly what they told me I would receive when I converted the account, this is literally the only reason I did the conversion. Why would I pay a new annual fee for no reason? I '' ve had the prior account with Chase for like XXXX years, why suddenly change if there is no incentive? So basically I was lied to.
Company Response:
State: CO
Zip: 80129
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I leased a new car in XXXX in XXXX. Lease was through Chase Auto Finance for 3 years. During the 3 years, I moved back to XXXX and registered my car with the state of XXXX as goldenrod, since I didn't have the title. Lease ended in XXXX, and I switched to a loan through Chase Auto Finance. Loan was paid off in full, early, around XXXX. I did receive lien release letters from Chase stating that the amount was paid in full. Never received a title document. In XX/XX/XXXX I contacted Chase Auto about receiving my title document. They stated that it was something the XXXX DMV should have done electronically, but that they would resend me the lien release letter so that I had a copy of it for my records. They said they would contact Texas to resend a copy. I never received anything. XX/XX/XXXX, I contacted Chase again asking for my title. They said they looked into it -- that Chase did everything they were supposed to but that XXXX DMV sent it to the wrong address. Chase rep said he was talking to XXXX DMV, updated my address, and resubmitted forms to send me a duplicate title. Chase rep said wait 30 days and contact them if you don't receive anything. I contacted XXXX DMV via email and they stated there was no record of any contact from Chase, no titles requested, nothing mailed out ( see email from XX/XX/XXXX ). I then submitted my own paperwork requesting a duplicate title from XXXX DMV, using Chase Auto lien release letter. On XX/XX/XXXX I received a letter back from DMV stating " We are unable to process your request for the following reason ( s ) : This vehicle appears to be a leased vehicle. '' After this, I contacted Chase Auto again on XX/XX/XXXX and spoke to Escalation Department. Asked for my title again. I was told that he would send it to the lease to loan department to open a case. He told me that documents were requested from XXXX DMV again in XXXX, but I have not received anything. I asked for a case number or point of contact for this case, and I was told that they can not provide that to me. I asked for a timeframe or date on which to expect my title, and I was again told that they can not provide this to me. It has now been over 2 years since my loan was paid in full, that I have no title document in my name and Chase is refusing or incapable of producing a title document. This prevents me from registering the car in my name or selling it if I desire to do so.
Company Response:
State: CA
Zip: 91351
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: It is for the deposit of a check on XX/XX/XXXX for the amount of {$630.00}, check number XXXX. The funds are frozen and they do not respond to me for them. The bank is chase. My account number is XXXX name of XXXX XXXX XXXX XXXX. My address is XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. My account was closed on XXXX since then i am trying solution withoud having an answer
Company Response:
State: CA
Zip: 90201
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I booked two hotel rooms in XXXX, XXXX this past XXXX for a week 's stay occurring between XXXX and XXXX for which I was billed XXXXXXXX XXXX. I agreed to pay for my stay using my Chase Bank XXXX XXXX credit card, which is advertised to have no foreign transaction fees. The highest foreign transaction rate between British pounds and US dollars that was in effect the day the transaction was charged to my Chase credit card ( XXXX ) was XXXX, which should have resulted in a charge of {$7400.00} USD to my credit card. Instead, I was charged {$7700.00}, a difference of {$290.00}. When I Inquired about the bill to Chase, Chase conducted an investigation, which confirmed that the original hotel bill was valid ( something I don't disputed ) and provided me documentation from the hotel indicating that the foreign transaction rate used was XXXX, which accounted for the discrepancy between what I expected to pay and the final cost of the hotel rooms. Chase representatives told me to take up the dispute with the hotel, which I did. Both the hotel and XXXX itself claimed that they do not charge foreign exchange fees and that they did not set the exchange rate - Chase did. Chase had continued to ignore my request for clarifying whether or not it charges a foreign exchange rate surcharge despite advertising on its website and credit card literature that it does not. Please see attached document " XXXX XXXX charged '' showing the exchange rate used to convert the hotel bill from British pounds to US dollars on XXXX.
Company Response:
State: CA
Zip: 92867
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Having issues with credit card companies recording incorrectly.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A