Date Received: 2023-09-21
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I went to a stand alone Chase atm and deposited {$100.00} cash into the machine. After it took my deposit, the machine went blank and my deposit was not credited to my account. This was on Sunday, XX/XX/XXXX between XXXX in the XXXX. The atm is located in XXXX XXXX, MI on XXXX XXXX and XXXX XXXX. I took pictures of the screen at that time it was blank.
Company Response:
State: MI
Zip: 48185
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Early on XX/XX/2023, I received a phone notification that my Chase account password had been changed. I immediately called Chase 's Fraud department. The person I spoke to on the phone told me it was just a password reset attempt and no one had gotten into my account. I was relieved. After hanging up, I was checking my email and noticed that I had an email from Chase saying that my email address on my account had been changed. Clearly, the representative I spoke to was wrong. I called Chase 's Fraud department again. This second person that I spoke to helped me get my username and password changed. The representative wanted me to install anti-virus software because she believed I had been hacked. I asked what the scammer had done while they had access to my account and was told no transactions had been done. This second person was wrong. I noticed that nearly half a million credit card points had been transferred out of one of my credit cards. The representative then transferred me over to another department to get this fraudulent transfer resolved. I got stuck on hold for about 45 minutes and then was disconnected. The third Chase representative that I spoke to helped me reverse the transfer of my credit card points. As she was trying to verify my identity over the phone, she luckily let slip about a call from me 3 hours earlier. But I had only started my calls to Chase 2 hours earlier. The representative listened to the recording from 3 hours ago and divulged that the caller did not sound like me, could not answer my personal security question, and didn't have access to the PIN codes that go to my phone. And yet, the employee from three hours ago still let that person into my account!! Since I had to cancel my credit card while traveling abroad, I ended up incurring about {$75.00} in foreign transaction fees on my less privileged non-Chase credit card. When I finally got back home a month later, I walked into my branch to see about getting access to that recording since I was worried about the security of my account as my password, PINs, and security question did so little to protect me a month earlier. I wanted to know whether it was an employee mistake, some private information they had of mine, or some kind of unknown access this person had to my devices. Chase refused to give the recording to me or even summarize what had happened. They informed me that I would need to file a police report and get the recording subpoenaed. My police department has said since the dollar amount is so small, they would not go through the effort of a subpoena. All I am asking for is someone to tell me what happened during that call in which a scammer convinced a Chase employee to let them into my account. Should I be concerned about my account security? Do I have other accounts that have been compromised? Do I need to take additional steps to secure my data? I don't know how to answer these questions because Chase refuses to help me fix the mistake that they made or even admit that they made a mistake in the first place.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In XX/XX/2023 my credit card was stolen. Immediately after learning that fraudulent charges were made and amounted to the total of {$810.00} I called Chase Freedom to report the incident, I spoke with a representative in the Fraud Department and explained what happened, I provided dates and amounts of the fraudulent charges. The account was closed, a new card was provided. I was also sent a detailed itemized statement that showed charges that were removed. These charges were later placed on the new card. I again called the Fraud Department to inform them that the charges were not removed but placed back on the new account. Their investigation did include charges that were made without my authorization at the locations specified in the report. I also filed a police incident report as requested and forwarded the information on to the banks Fraud Department. I am requesting that any and all fraudulent charges and other associated fees be removed from my account and a new updated accurate statement sent. All negative credit reporting information is requested to be removed and updated.
Company Response:
State: PA
Zip: 15317
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I am a Chase Sapphire Preferred card holder. I had accumulated more than XXXX points over a year. Chase advertises ( goes to great lengths! ) that the points are worth XXXX if used to book travel using Chase XXXX. On XX/XX/2023, I tried booking flights from XXXX XXXX XXXX using their website. However, it turns out you can not use the online booking capability if there's a XXXX traveling. They ask you to book the tickets over the phone. I called them and was on the phone for OVER XXXX HOURS. At the very last step, the payment did not work ( which is hilarious in its own way - their own credit card did not work with their own travel system! ). Unfortunately, the travel agent tried to book the tickets several times. As a result, I had XXXX transactions on my credit card statement, each worth XXXX XXXXXXXX, which pushed the overall balance to above XXXX XXXXXXXX. I called the very same day and asked for refunds ( because no tickets were booked! ). I was told that I needed to wait for XXXX hours before they could initiate a refund. I called them on XX/XX/XXXX and enquired about the refunds. After spending XXXX minutes on the phone, I was told that the refunds were initiated on XX/XX/XXXX and that they'd take XXXX business days to complete. I explicitly stated that I was worried about my credit score being affected if the refunds were not issued before the next statement date. I called again on XX/XX/XXXX and received the exact same answer ( another XXXX business days for refunds to go through ). It's XX/XX/XXXX today, and I just got a flag from a credit score tracking company that my credit score has REDUCED BY XXXX POINTS (!!! ) - from XXXX to XXXX.
Company Response:
State: CA
Zip: 94087
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: There was a credit card application on XX/XX/2023 for JP Morgan Chase bank. I didnt submit or apply for this application. My credit protection company notified me and we worked with bank to cancel the application.
Company Response:
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: We issued a check for {$1100.00} on XX/XX/2022 to XXXX. The check was cashed fraudulently at a JP Morgan Bank location. We were made aware of this only when XXXX, the intended payee, contacted us to say our account was past due. Upon research, it was discovered that the check had been cashed fraudulently at JP Morgan. Facts : XXXX XXXX XXXX XXXX XXXX XXXX ) Filed Initial Claim ( Without Entry Form ) with JP Morgan XXXX XXXX Received Acknowledgement from JP Morgan XXXX XXXX Requested Status Update from JP Morgan XXXX XXXX Sent 2nd Request for Status Update XXXX XXXX Requested Another Status Update from JP Morgan XXXX - JP Morgan requested additional Information XXXX JP Morgan requested Information and XXXX promptly responded, providing all requested information XXXX XXXX followed up again siting JP Morgans response of XX/XX/2022 stating the claim would be reviewed and worked within 45 days. Further stating, JP Morgan is approaching 1 year without responding to multiple update requests regarding the claims and XXXX customer still not having received return benefit of the funds received at JP Morgan in error. XXXX XXXX Emailed JP Morgan a follow up stating the funds had not been received by the customer for the claim filed in 2022 XXXX XXXX sent 3rd Request with all required documents for claim XXXX JP Morgan responded , the claim is paid and they placed a stop payment on the previous cashiers check and ordered a new check, Kindly wait 2-3 weeks to receive the new check XXXX XXXX has not received the funds and recommended we ( XXXX Customer ) to file with CFPB
Company Response:
State: VA
Zip: 232XX
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I pay {$500.00} annually for a Chase Sapphire Reserve credit card. I can't use most of the benefits because I don't live in a big city. I agreed to the " free member benefit '' of one year of complimentary XXXX XXXX XXXX I was then automatically charged for another year of XXXX. The same auto-enrollments also happen with XXXX and XXXX XXXX XXXX It is difficult enough to cancel memberships I know about. Benefits such as " Complimentary '' annual memberships that automatically become paid memberships are not beneficial ; they are an underhanded way to commit consumers to unwanted membership fees.
Company Response:
State: NY
Zip: 130XX
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I was paid on XX/XX/23 via wire transfer from a closing on a sale of a home. I am a residential realtor and new to the area this was my first sale here. I had opened a chase account being that my other banking institution was not in this area I relocated to. I was informed my account type could not accept wires and that the funds would be returned. When the funds were returned the following XXXX XX/XX/23 I deposited them into the Chase account and was told funds would be available on XX/XX/XXXX. The mobile app also confirmed this date. On XX/XX/XXXX I logged onto my account to pay bills and noticed the funds would be unavailable until XX/XX/XXXX. Not only has Chase delayed this large deposit from a local reputable title company but they continuously hold small deposits of less than {$500.00} Im paid bi weekly for managing a local bar. Its absolutely ridiculous that XXXX of the largest banks in the country cant cash a routine biweekly check for XXXX of the lowest paid members of the workforce. My hourly pay at the restaurant is only {$7.00}! Yet Chase every other week HAS to hold my 40 hours of compensation XXXX for 3-4 days? This is not proportional.
Company Response:
State: TX
Zip: 77539
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XX/XX/13 account closed, stated would receive check within 7-10 days funds are frozen and unable to pay my bills. Was unable to schedule a prior day credit card payment to a Chase card and was assessed late fees and charged interest ( which they claimed would be reversed ) Approx {$160000.00} frozen in Chase Sapphire checking account
Company Response:
State: MN
Zip: 55311
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX I asked XXXX investments to deposit my funds in my checking account at JP Morgan Chase Bank. I submitted the incorrect account number off by two digits and my money was deposited in a strangers Chase account. I notified Chase of this error they implied it was XXXX mistake to contact them. Upon contacting XXXX whose bank is XXXX XXXX they said it was Chase mistake. Bottom line I still dont have my {$4200.00}. I even went so far as a three-way call between XXXX, Chase & I with no results of getting my money. Each company wanting to shift the blame. XXXX case number is XXXX. Chase case number is XXXX. I continually reached out to XXXX and Chase throughout XXXX. I have not corresponded with either company since XX/XX/. The stress and frustration was too much. I would greatly appreciate your help in this matter, this is a substantial amount of money for me, and would help out since Im retired now. XXXX XXXX
Company Response:
State: FL
Zip: 32812
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A