Date Received: 2023-09-23
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Fees or costs during the application process
Consumer Complaint: XXXX Purchased home for {$170000.00} XXXX Requested loan modification due to financial challenges Rate : 6.3750 % Term : 30 years Maturity Date : XXXX Note Amount : {$170000.00} Signed XXXX XXXX Filed XX/XX/XXXX : Deed release XXXX XXXX XXXX from deed only. XXXX XXXX agrees to be responsible financially for property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Filed XX/XX/XXXX : Quitclaim Deed filed by JP Morgan Chase and appears it was forged. Signed by XXXX XXXX, XXXX XX/XX/XXXX. Modification Effective Date of XX/XX/XXXX. XXXX Did not receive a new modification loan agreement after XX/XX/XXXX until XX/XX/XXXX. Rate : 4.5 % Maturity date : 30 years XXXX JP Morgan Chase failed to provide payment history from XX/XX/XXXX thru XX/XX/XXXX XXXX XXXX XXXX filed a XXXX deed removing XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX. XXXX Chase filed a quitclaim deed removing XXXX XXXX XXXX from financial obligations. It was signed by XXXX XXXX, XXXX XXXX with a modification date of XXXX. XXXX Loan Modification Agreement transferring it to FHA loan ( Never Approved ) Rate : 4.625 % Term : 40 years Maturity Date : XXXX Note Amount : XXXX Increased : {$13000.00} Signed by XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX not sign due to FHA and the increase in principle of {$13000.00} XXXX XXXX XXXX XXXX countersigned XX/XX/XXXX Since effective date was XX/XX/XXXX the FHA XXXX listed above is negated.
Company Response:
State: TX
Zip: 78240
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I have power of Attorney of my Sister XXXX XXXX she is paralyzed the bank verified everything before i deposited the checks in my account she signed over to me They closed my account after the checks cleared and said they would send my money cashiers check now they will not send it and said they have to verify my sister by phone listed in her name she has a number and account with XXXX XXXX XXXX and still they say no. I have to pay her mortgage and bills and on the verge of being put out, they refuse to see her in person at the bank so she can tell them that she did sign the checks to me. Please this is life and death i need to pay her bills
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Other transaction problem
Subissue:
Consumer Complaint: Sent money to wrong person Wrong person says there bank reversed the payment but never received it in my account wrong person bank Chase bank XXXXXXXX XXXX XXXX XXXXXXXX, My bank XXXX XXXX XXXX bank says never received money transfer from XXXX from his bank
Company Response:
State: CA
Zip: 95060
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: This is a follow up in my initial complaint with chase. Complaint ID XXXX. My case closed awaiting letter from Chase. Letter received from Chase Executive Office dated XX/XX/2023. With cc to CFPB. Letter attached for reference. Chase stating their plan of action which it to verify the check. Its 6 months since then. Id been patiently waiting for any response. Again I have to call and follow up with Chase executive office and chase fraud department Neither can tell me any result. There is still No resolution. I am asking again for help from CFPB in this matter. Chase responded with a an action letter. However, those were all just written words to keep CFPB on the side and kept me out of my funds while Chase is holding my funds this long.
Company Response:
State: NY
Zip: 11385
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
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 purchased goods from XXXX for XXXXXXXX XXXX The XXXX wanted additional money that was not included in the XXXX. I refused to pay the extra money and the visit became unpleasant so I left but they didnt refund me and the bank declined to approve my dispute. So the vendor stole my money
Company Response:
State: TX
Zip: 780XX
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: The company is Chase Bank. On XX/XX/XXXX Chase Bank did a Claim Reversal : to XXXX Claim : XXXX XXXX on four transaction {$1900.00}, {$1000.00}, {$820.00}, {$100.00}. For these transactions, XXXX said that they didn't have that money and the bank said they didn't have. The bank closed my checking account without any explanation.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: Hello, I recently applied for a CHASE Sapphire card. The application pended for XXXX verification. CHASE wants to reverify my DOB and Address. It's very odd since I am already a customer. Regardless, I sent in the required documents. I just received a letter stating that the documents were not sufficient. I sent in a copy of my drivers license and my marriage certificate. That should be more than enough to verify my name, DOB, and address. Can someone competent please review my application and documents I sent in and move forward with the application process? Also, my name is not XXXX XXXX XXXX. It's just XXXX XXXX ( middle initial XXXX ). A long time ago I called into CHASE 's servicing call center - the rep kept calling me XXXX, and the next thing you know my name was changed. Can you please update my name to reflect accurately as XXXX XXXX XXXX?
Company Response:
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: We bank at Chase. During our depositing of a large check we were approached by bank personal to open a private client savings account with a promise of a bonus XXXX if we deposit XXXX with 90 day hold on money in the account. The private client representative opened the account for us and money ( XXXX ) was transferred on XX/XX/XXXX. over 90 days later we inquired about the bonus from said banker and were told to wait 10 days. 15 days later I contacted online support and were told bonus code was not applied and i should call " you may contact your Private Client Banker at XXXX for assistance. '' - sent XX/XX/XXXX XXXX XXXX by online support. After calling, I was sent to costumer support because banker did not pick up phone. They emailed him and promised 7 days response. No response was given. It is now XX/XX/XXXX and still no bonus was given.
Company Response:
State: CA
Zip: 90026
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: I wired XXXX XXXX from my bank account at XXXX - XXXX XXXX ( XXXX ) to my bank account at CHASE ( XXXX ). The amount was sent on XXXX, XXXX and was received on XXXX, XXXX. According to the official exchange rate ( XXXX was oscillating around XXXX ) I should have received approx. {$21000.00}, while I only received {$20000.00} ; while the XXXX exchange rate was oscillating around XXXX, my money was changed at XXXX ( 2.5 % lower than the official rate ). I called CHASE Customer Service in order to rectify the transaction, however the associate replied that the exchange rate is automatically calculated and nothing could be done about that. Therefore I made an appointment with an associate at CHASE local branch, XXXX XXXX, who understand my question and called the headquarters from his office. Again, I was explained from a different representative that the exchange rate is automatically calculated, however she could not explain the notable difference from the official rate and the rate that was used. I asked to escalate my complaint and, after speaking to three more specialists, I was finally answered by supervisor XXXX XXXX XXXX XXXX, who explained that the originating bank ( not the receiving bank ) was responsible for deciding the exchange rate. I respectfully ask her to put that statement on paper so that I could contact the originating bank, however she answered that she was unable to do so. I expressed my disappointment and told her that I would take my complaint to CFPB. I already paid two fees for the transaction ( XXXX XXXX to the originating bank and XXXX XXXX to the receiver ) : I shouldn't be " taxed '' using a manipulated exchange rate.
Company Response:
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I have unauthorized transactions all the time from chase. This time I had unauthorized XXXX transactions in which I reported. They are denying my claim which is around {$1200.00}. These transactions do not make sense as its different amount of XXXX sent to another person. I do not know what I am supposed to do and need help for this to come to a resolution.
Company Response:
State: NY
Zip: 11218
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A