Date Received: 2023-09-22
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On XX/XX/XXXX I mailed 2 checks from XXXX XXXX ( 1 drawn on Chase Bank # XXXX and the other on XXXX XXXX XXXX XXXX ) to XXXX XXXX XXXX XXXX XXXX to the attention of XXXX XXXX, Branch Manager. The purpose was to set up a XXXX XXXX earning 4.88 % Interest. The checks were never received. On XX/XX/XXXX The {$200000.00} check drawn on Chase payable to XXXX XXXX cleared my checking account even though there were insufficient funds available. Chase applied the overdraft protection attached to that account and cleared the funds from my money market account. The XXXX check for {$300000.00} was promptly returned for insufficient funds and XXXX XXXX was notified of the fraudulent attempt. Both Checks were stolen from the mail, was NOT endorsed and Deposited into a XXXX XXXX account in XXXX, XXXX. I was told that a claim was made by Chase to recover the funds from XXXX XXXX on XX/XX/XXXX. I have made several phone inquiries but always given the same response that it could take XXXX days to recover said funds. I have asked for written proof that XXXX XXXX was in fact contacted but have not received anything other than an acknowledgement that they did? The CLAIM # is XXXX. Please note a police incident report was filed with Chase. Both Chase and XXXX XXXX has to guaranty prior endorsements. Chase is making me wait for my money since XX/XX/XXXX!. Thank you XXXX XXXX
Company Response:
State: SC
Zip: 29910
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/31, my debit card was stolen and two unauthorized transactions occurred from XXXX. The first transaction was for {$2.00}, and the second was for {$200.00}. As soon as I discovered the theft, I contacted my bank and took out a claim. They refused the claim, so I contacted them and started a second claim. This one was also refused.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: In the attachment is a copy of a check written to my employee on XX/XX/2023 and cashed by him on the same day but as you can see it did not post to my account until XX/XX/2023 can you please contact all parties involved XXXX XXXX XXXX and Chase Bank to find out what happened and tell me is this legal to wait this long to post a check? XXXX XXXX XXXX XXXX XXXX XXXXXXXX is my company name and my Chase Business account.
Company Response:
State: AZ
Zip: 85041
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I was appointed guardian for a Chase Bank customer on XX/XX/XXXX and have been trying to access funds since that date. Chase Bank did not process my request in a timely manner and my temporary Letters of Guardian expired. When updated Letters were issued by the Court, I again attempted several times to access funds through bank appointments and repeated phone calls. I was told I would receive calls to let me know when I could close the account and never received any calls. Chase Bank assured me that I would be able to close the account, which has been vulnerable to exploitation prior to my appointment. My ward 's nursing home is now THREATENING EVICTION due to nonpayment. I have attempted to explain the urgency of the situation to Chase Bank and have had no response or assistance. When I requested to speak with the branch manager, XXXX XXXX, I was told he was in a meeting. I was not offered a call back from the manager. A banking appointment was granted by Chase Bank for today, XX/XX/, but was cancelled this morning without explanation. My Letters of Guardian are set to expire again on Monday, XX/XX/. I will have to wait another week for the Court to issue updated Letters and then another week for Chase Bank to set an appointment, then attempt the whole process for the third time. I was told that there was only one person who could assist me and they were on vacation. No other options for assistance was offered. I have now been attempting to access funds for THREE MONTHS. I have been ordered by the Court to act as Guardian and Chase Bank is withholding necessary funds to pay for my ward 's living expenses. I am unable to purchase clothing, toiletries or other comfort items for my ward and she should not have to wait this long. Chase Bank should help it's most vulnerable customers.
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Credit card was Opened in my name from JPMorgan through Chase. It was a sapphire credit card. Chase removed card from my account. Opened a dispute through transition due to this being a hard credit inquiry. Would like this inquiry removed from my credit.
Company Response:
State: PA
Zip: 157XX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am chase bank customer. I called their mortgage lender advisor XXXX XXXX to ask question about home affordability. He said that is busy for the moment and if possible to email him me tax returns so he can take a look at my income. 2 days later I was surprised with my credit pull alert. I called this guy asked him why did you pull my credit without signed or submitted application or even a verbal consent to do so? He got no straight answer and finally hanged up the phone. After I called the escalation team department, they failed to provide any proof of documentation or paperwork or audio recordings that I gave them permission to pull my credit. I never confirm my identity or my SSN with him on the phone and I never provided any proof of ID to his email or anything of this nature. The only reason I sent him my tax return is to view my income not to get my social security number from it and run my credit.
Company Response:
State: FL
Zip: 33431
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX, I agreed for Chase Bank ( Freedom Card ) to initiate a {$3500.00} payment to my XXXX XXXX XXXX XXXX XXXX XXXX ), to bring that balance down to {$450.00}. ( Now {$0.00} ) Chase honored the agreement for a {$170.00} fee and sent XXXX {$3500.00} to be charged to my Chase Card with XXXX 0 % interest. Thus, my Chase Card had a new Balance of {$3600.00}. XXXX reported the New Chase Card Balance as an INCREASE of 17.33 % in Credit Usage. All this might have been okay, except XXXX neglected to report the XXXX XXXX XXXX XXXX half of the transaction, which left hidden the {$3500.00} lower balance in the XXXX XXXX and didn't report a 20.1 % LOWER XXXX Credit Usage percentage . This caused a XXXX Point XXXX Credit Score ; a XXXX Point Chase Score and somehow, a minus XXXX Point XXXX XXXX XXXX XXXX XXXX The Usage percentages should have been OVERALL Credit Usage averaging ALL Usage. This is what I'm most concerned about. Background : On XX/XX/XXXX, I wrote a XXXX promotional check for {$18000.00}. I paid {$420.00} every month until paid the {$18000.00} back. My penultimate act on XX/XX/XXXX used the Chase offer to reduce my {$3900.00} balance to ~ {$0.00}. Then XXXX chose to REDUCE my Credit Score XXXX points. Wait. What?
Company Response:
State: SC
Zip: 29803
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/, I was sent XXXX XXXX with contained an 11 page document to open a managed account. There was no indication in this 11 page XXXX as to the direction of the investment. The account was to be opened so the money could be transferred. XXXX XXXX is attached in this email. On XX/XX/, I emailed the financial advisor assigned to my account, XXXX XXXX, about investing those funds into the JP Morgan Liquidity Bond Fund and a Dynamic Yield. EMAIL BELOW XX/XX/XXXX EMAIL to XXXX XXXX with VERY clear instructions. XXXX, Can we invest the money that is in the account ending in XXXX today or tomorrow? I want to split the funds that are currently in there to put into the Liquidity Management Account and the Dynamic Yield Account you mentioned the other day. Do you think I should do half and half or $ XXXX in one and $ XXXX in the other? Please advise on the split. If you dont have an opinion, just do half and half THEN, XXXX , who is looped in on this email, would like to take $ XXXX of her money to put into a Liquidity Management Account as well. Ideally, lets keep her and my account numbers separate. Can we get this accomplished on Monday by chance? Thanks, On a call we discussed how to split the {$250000.00}. On XX/XX/XXXX I was sent XXXX XXXX XXXX which outlined the Investment Proposal along with the Asset Allocations for # 1 Dynamic Yield Strategy and # 2 Liquidity Management Strategy . XXXX # XXXX is attached in this email. XX/XX/, I logged into my account to find the {$250000.00} in account ending in XXXX was not invested as discussed, rather into a Municipal Ladder. At this time, I also noticed {$250000.00} was removed from my personal bank account ending in XXXX and invested into the Liquidity Management Account and the Dynamic Yield Account. EMAIL BELOW XX/XX/XXXX EMAIL TO XXXX XXXX- XXXX , I was pretty clear that I was going to invest the $ XXXX XXXX transferred into the new managed brokerage account ( XXXX ) We discussed allocating that $ XXXX which I recently transferred into Chase bank to the Dynamic Money Market and the Liquidity Money Market . I see they pulled it out of my personal bank account with Chase and left the $ XXXX sitting in the XXXX account uninvested. I need that $ XXXX reversed back into my personal account ( XXXX ) today or tomorrow. This is not what we discussed. Please let me know when that can be transferred back into my personal account. I attempted to remedy this matter with XXXX XXXX, but he failed to respond. Then I reached out to his supervisor who then escalated the matter to XXXX XXXX with the XXXX XXXX Executive Office to investigate. On XX/XX/, XXXX XXXX called me to inform me that I did indeed sign the XXXX authorizing the Municipal Bond Ladder and my signature was at the bottom of the XXXX dated XX/XX/. However, the XXXX # XXXX which XXXX XXXX provided does not match the XXXX # XXXX which was sent to me on XX/XX/, which is still available in my portal at the bottom of this email. SUMMARY : I did not authorize this investment and they claim I did and provided what they claim as PROOF. However, they added the investment proposal in their response which was not part of my signed XXXX. Their version has an additional XXXX PROPOSAL dated XX/XX/2023 that was deceitfully input into this message to appear as if it was all part of the XXXX. My version does not. PROOF, if it was part of XXXX # XXXX then ALL pages included have the XXXX identification number ending in XXXX. It is extremely apparent, Chase is trying to cover it up and has completely ignore my demand to return the funds.
Company Response:
State: AZ
Zip: 85016
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My Chase XXXX feature is restricted on XX/XX/2023 Chase told me someone reported a fraud on the payment they sent me and they did not provided any another information like who reported the fraud but all the money i received it's legit, none of them it's fraud, because all the money i received are either through friends/family And after I found out my XXXX features got restricted, I tried to call XXXX and XXXX told me to called Chase, Chase told me to called XXXX and tell them I checked with my bank, the blocked its placed on XXXX network and XXXX told me they only partner with chase, and they can only see my phone number XXXX or email address is restricted and its linked with my chase bank and chase it's only one who can removed restriction.
Company Response:
State: TX
Zip: 78758
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX around XXXX am XXXX I noticed my Chase checking account had been hit with fraud and I had gone negative in my account. After looking into it, I saw about XXXX transactions in the amount of XXXX that had been taken out of my account that I did not make. I called chase immediately and spoke to a customer service rep and reported these transactions as fraud as I had not made them myself nor authorized them. The man I spoke with told me he could not do anything about the transactions yet and had to wait until Monday the XXXX of XXXX, as they had not posted yet. He said he could cancel my card and send me a new one, but call back once the transactions post then they are able to help. I didnt know standard procedure, so I thought this was the right thing to do, which I was wrong about. The very next day, I check my account again to find out I have more fraud happening even though my card got cancelled and I was sent a new one in the mail, which I had not even received at this point. About XXXX more transactions of XXXX posted from a similar vendor that I dont recognize, and I wondered how when my card was just cancelled. I spoke to another customer service rep on XX/XX/XXXX and reported more fraud on my account, and told them I just reported fraud the day prior for transactions made in the same amount. The lady I was speaking to asked if the first rep I spoke to the first time it happened had removed my card from any digital wallets and I said no the guy did not do anything of that sort, and I also mentioned he made me wait until the transactions posted to do anything and call someone. As soon as I said this, the rep I was speaking with in that moment told me she apologized for the first reps mistake but he gave you some wrong information and did not handle the situation properly as he shouldve. Hearing this was quite a surprise because I thought he wouldve known what to do and take care of me as a customer. Another surprising bit of info was that all of those transactions that happened the first day I had gotten fraud on my card, those couldve been reversed immediately before they ever posted to my account and I would not have had to file a claim in the first place for fraud and to get all my money back to my account. So 2 weeks later, today XX/XX/XXXX, after reporting all of this fraud to Chase and their claims department, I get a notice in the mail saying I am being charged for those transactions as they were deemed authorized, which I can assure were not. This is upsetting because I reported the fraud immediately and have never done business with this vendor before nor do I recognize it. I called Chase back to speak with the claims department and they told me the reason they denied my claim is because it was done using my Face ID on an XXXX, which they couldnt tell if it was my XXXX or not so how do they know Im the one who authorized it? I spoke to about 10 different people calling back 5 different times, and every associate gave me the same answer saying I need documentation to prove it wasnt me who authorized it. When I asked each of them which documentation do I need to provide to them they all stayed silent for quite some time and could not give me an answer. A couple of them directed me to a branch location, and when I went into a branch, they said they could not help and had me call back the claims department from a phone there in the branch. So I call them back from a branch telephone, and to no surprise I get the same answer, they couldnt tell me what documentation to provide them since the fraud was committed digitally and I have no way to show it wasnt me. I just dont understand how Chase can say I authorized the transactions when I clearly reported it as fraud both times immediately after they happened, and want to say that I have to pay for the transactions because it was authorized with a Face ID. Im a Chase customer of 10+ years, and this specific situation makes me no longer want to be apart of Chase bank as a customer.
Company Response:
State: CA
Zip: 92802
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A