Date Received: 2023-09-27
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Iam writing to express my deep concern and disappointment regarding the abrupt and unexplained closure of all my Chase credit cards and banking accounts, which I have held in good standing for over nine years. This incident has left me not only bewildered but also severely impacted, both personally and professionally. For nearly a decade, I have maintained five credit cards with Chase, consistently demonstrating responsible financial management. To my surprise and dismay I discovered that all my credit card accounts, along with two savings accounts and one checking account, had been shut down without any valid explanation. What is even more perplexing is that Chase also terminated my business accounts, despite the clear separation between my personal and LLC finances. This action has had a detrimental effect on my ability to conduct business and manage my financial affairs. Despite numerous attempts to seek clarification and resolution by visiting my local branch on five separate occasions, I have received no satisfactory response or assistance from chase customer service representatives. This lack of communication and support from a bank of Chase 's stature is highly disconcerting. Furthermore, this sudden and unexplained account closure has negatively impacted my credit score, which I have diligently maintained over the years. I believe that Chase 's actions are not only unjustified but also damaging to my financial stability and reputation.
Company Response:
State: NY
Zip: 10314
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 caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: XXXX, I lost my job because of Covid recession. I tried my best to keep up with paying my bills and also maintaining my Chase account ending in XXXX. Chase however, took a total of {$4000.00} in overdraft fees. I paid Chase a total of XXXX times fee of {$34.00}. Some of my overdraft fees were for small amounts of under {$50.00} dollars. While I waited for my unemployment checks to clear. I paid Chase a total of {$4000.00} in overdrafts fees for the year of XXXX I called numerous times to request a solution, Chase however stated that nothing could be done. I have attached bank statement which shows total balance of overdraft fees for the year of XXXX
Company Response:
State: TX
Zip: 77521
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: Problem using a debit or ATM card
Consumer Complaint: I am a student from XXXX University. On XX/XX/2023, I deposited {$7000.00}, which is the second half of my tuition, into a Chase ATM in XXXX XXXX. The ATM machine ate my money and gave me a small ticket for reporting an error. I contacted Chase as required by the ticket, but did not receive any valid response. Now, as a result of being robbed of {$7000.00} by Chase, I am facing expulsion from school for lack of tuition. Chase 's behavior is a gross violation of the spirit of liberty and equality in the U.S. Constitution and is full of XXXX vitriol. In the supporting documents are the ATM 's error ticket and the photo I took of the money before I deposited it.
Company Response:
State: CT
Zip: 065XX
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: - Chase doesn't provide my credit card statements for the period from XXXX, XXXX to XXXX, XXXX. - I started to request for the above-mentioned statements on XX/XX/XXXX. Since then, there were numerous phone calls with Chase credit card department and three lengthy discussions with a manager of the branch near me. Yet, Chase failed to provide those statements. The case number is XXXX for Chase internal inquiry. According to the manager, all the details should have been documented within the case file.
Company Response:
State: FL
Zip: 341XX
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: In late XX/XX/XXXX I logged into my credit card app to use my reward points. However I noticed that all my points had been transferred out on XX/XX/XXXX but I did not initiate that transfer. I called and reported this and they saw a new authorized user was added to my credit card which I did not add. The company closes the account and sent me a new card. No fraudulent charges were made yet as they fraudster hadn't received the credit card. Chase told me that they would refund the points but they never came. I've called multiple times and they say it's is being reviewed by marketing but they won't let me speak to the team handling the case. Today I got a letter in the mail saying they will not refund the points that were removed fraudulently.
Company Response:
State: NC
Zip: XXXXX
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: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Between the dates of XXXX unknown parties were able to access my Chase checking and savings accounts using a XXXX XXXX XXXX Unknown at this time how they got access to my account. With that XXXXXXXX XXXX they made XXXX separate withdrawals ranging from $ XXXX {$3000.00} and took {$5700.00} from the checking account and {$10000.00} from the savings. On XX/XX/28 is when I found out about the fraudulent transactions and notified Chase. I terminated the debit card, changed username and password on digital accounts and let them know at this point that these transactions were fraudulent. I then filed a police report with the XXXX Police Department about the fraud. At the time I could only go based off of the information on my online account and it appeared that the transactions occurred in XXXX. With the help of a local branch it appears all of these withdrawals occurred in XXXX. Chase over the next month has denied reimbursement of the money taken on XXXX claims that they created about the transactions. They have stated that in their investigation that the transactions were consistent with my account activity. I have never been to XXXX, never used a XXXX XXXXXXXX XXXXt and in the last two years never taken more than {$200.00} from an ATM. They have also at times stated that they are not liable because my PIN was compromised which means I am in violation of the user agreement. I have had an active Chase account for over 10 years and have never had issues like this in the past. It is frustrating to prove my innocence when it should be the bank 's job to complete a thorough investigation and this appears to keep getting swept under the rug.
Company Response:
State: CO
Zip: 802XX
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My credit reports are inaccurate, incomplete and the JP Morgan Chase accounts have not be validated as mine. All have been unverifiable by this creditor. JP Morgan Chase has failed to properly investigate the alleged derogatory accounts listed as charge-offs in the amount of {$15000.00} and {$10000.00} on my XXXX and XXXX credit reports. In addition, mark my account as disputed within the 30-day time-frame which is required by law. I requested information of the original contract I allegedly physically signed and supposedly agreeing to their payment terms when I supposedly opened the account. This is a violation of the FDCPA and FCRA. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). To this date, no information has been provided to me by JP Morgan Chase regarding these accounts nor action to remove these accounts from my credit reports. This information has a large negative impact on my credit score. I have sent certified letters ( with tracking info ) to JP Morgan Chase on the following dates. XX/XX/23 XX/XX/23 I have also sent certified letters ( with tracking info ) letter to XXXX and XXXX regarding this same issue on the following dates : XX/XX/23 XX/XX/23 XXXX has removed both disputed derogatory JP Morgan Chase accounts from my credit report.
Company Response:
State: UT
Zip: 84015
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: Fraud or scam
Subissue:
Consumer Complaint: I contact someone on XXXX to buy their ticket concert and after I send them the money they refuse to transfer the ticket and block me. And I wanted to dispute the payment but the company said I cant since it an authorized transaction but it was a scam so I need help with report and recovery of my fund. it was XXXX $ and then XXXX $ so XXXX $ in total
Company Response:
State: CA
Zip: 92114
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: 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 have a XXXXXXXX XXXX XXXX with Chase Bank which was overcharged for a transaction on XX/XX/. It should have been {$120.00} and my card was instead charged {$500.00}. It was for a dental service which was covered by insurance and insurance confirmed they have paid their portion to the dentist. Instead of billing just the patient 's portion, the dentist charged the full amount to my card as if I was uninsured. I disputed this ( 3 ) times now with Chase and each time they claim it was a valid charge despite me uploading to them the breakdown of what I owed to the amount of {$120.00}. Every time I speak to someone from Chase on the phone they agree with me that I was overcharged and every time the case is reopened, they declare it a valid charge. They are now saying it's past the 90-day window for me to dispute this incorrect charge - despite me disputing it within the window in the first place. Their inability to resolve the problem has exceeded the window- which shouldn't mean that I'm now out {$370.00} that I never agreed to spend. Please push to correct the charge.
Company Response:
State: CA
Zip: 90027
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: Cashing a check
Consumer Complaint: XX/XX/XXXX - my employer XXXX XXXX issued me a check for my first paycheck with an amount of {>= $1,000,000}. Check number : XXXX. The check was issued from the company 'XXXX XXXX XXXX XXXXXXXX corporate account. XX/XX/XXXX - upon receipt of the check, I noticed that my old bank account does not have a branch in the region I live in now, so I opened up a checking and a savings account with Chase Bank. and I brought the check to XXXX 's branch in XXXX, XXXX to deposit the check. They took my check and said I need to wait until XX/XX/XXXX for the check to be cleared. And I then left the branch. XX/XX/XXXX - I got a call from XXXX saying that there's a fraud alert put on my account, and they have to limit my mobile app access. They said they need to contact the issuer of this check to verify that this check is real. But they could not verify this check with XXXX because XXXX wouldn't give my information to a third party. They furthered said that there's nothing I could do until the check is cleared. I hung up the call. XX/XX/XXXX - My employer said my check has been deposited. So I called XXXX again to lift the fraud alert. XXXX said they still need to verify this check with the maker of the check, which is my employer XXXX. With multiple attempts, they could not reach the number listed on the check or the number registered with them in the system. They also wouldn't contact my payroll team directly and said it wouldn't work if the payroll team tries to contact them either. I was then told by my payroll team that I should ask XXXX to contact XXXX 's number on the public record and get transferred to the payroll team. However, XXXX wouldn't do that either because the public record number is not registered with them. I was told that there's nothing I can do except for passively seeing my salary ( {$45000.00} ) to be moved to suspense, and having my account cancelled. XXXX also told me that if the amount could not be verified, after two years this amount would be forfeited by the state of Washington. The payroll team is also confused because from their end, they have already seen the check being deposited. This is a very desperate situation, and I can really use some help here.
Company Response:
State: WA
Zip: 98052
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A