Date Received: 2023-09-20
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I tried cashing personal check with chase bank from my grandfather XXXX XXXX XXXX we can't stop payment on his end because they already processed payment. Even though bank has spoken to him on multiple different phone lines they can't verify him? wont let us come in with an id for verification so we have called both numerous times for it is a large lump some of cash we need that back!!! {$25000.00} we have tried giving them his banks number and everything.
Company Response:
State: OH
Zip: 431XX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: During the COVID-19 Pandemic I was under economic hardship and had to close my credit cards with JP Morgan XXXX I was behind on a few payments and entered into a debt consolidation program with them. This began on/around XX/XX/XXXX and make a monthly fixed payment to pay down XXXX independent accounts. My payments have always been on time and will continue until all balances are paid in full. In XXXX of XXXX I was notified of a +-100 point drop in my credit score and was very concerned. After much investigation ( and phone calls ) I was informed by JPM they changed internal systems on how they report to credit agencies and this was likely the cause of my score lowered at XXXX. My JPM accounts ( while in current repayment and good standing ) were being reported to agencies as a 'closed'/'default'/'etc '. How can my accounts be listed in reports to reporting agencies in default when I am in current repayment? How is this coming up after 2 years of a consolidation program with my provider? How did a system change error result in my credit score cratering by almost 100 points when I am in good standing with JP Morgan. - no one at JPM or XXXX could answer my questions. I feel there has been little accountability by either party here and imagine this impacts a broad community of folks that were economically impacted by the Pandemic - but wanted to be current in the debt repayments. There must be 1000s of people like me out there that have been negatively impacted by this problem at XXXX.
Company Response:
State: IL
Zip: 60618
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I made a cash deposit of {$2000.00} at a chase ATM. After putting the cash into the ATM, it started processing my transaction for a long time until it showed an error occurred. Then it printed out a receipt saying to call to confirm that the transaction was complete. The deposited cash never showed on my account. The machine then showed that its no longer accepting any cash deposits on the screen with red letters. I then called dispute department to notify them of what happened immediately. They said they will start an investigation. Later on the same day I went back to check on the machine and it no longer showed the same error. I tested out taking out {$20.00} and deposited the same {$20.00} and it worked as if nothing happened earlier. After 10 days of investigation they said they dont see the {$2000.00} but only saw the {$20.00} transaction I used to test the machine. Dispute department said there nothing they can do as they do not see {$2000.00} deposit, but they were able to see that I used my card at the time reported. I asked for camera footage but they said I need to subpoena it. So I asked them to start another claim telling them that the {$20.00} was a test and to double check on the transactions. Now Im missing {$2000.00} which I was goin to use for my wedding.
Company Response:
State: NY
Zip: 11364
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: On XX/XX/2023, two fraud accounts at Chase were opened under my name ( Checking and Credit Card ). I went to Chase branch location and they quickly closed the accounts. Not sure how my info go out there.
Company Response:
State: NC
Zip: 28278
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I ordered {$1000.00} in gift cards from my Chase Ultimate rewards program but they were lost by XXXX. The tracking number is XXXX I never got the cards and called Chase and spoke to 9 people over 5 hours and each one promised me a resolution but never delivered. I said I was happy to either have my points back or my gift cards but I wanted a resolution. Every time they told me to wait for an " escalation '' and check back later. Nothing ever happened. On my final call I brought up the analogy of an XXXX shipment that never arrived and how quickly and efficiently XXXX would make that right for their customers. The response was " we're a bank and we do things differently '' Seemingly Chase things they are entitled to ignore their promises to their customers and simply ignore requests for redress. It seems to be a deliberate policy to drag out the experience to make the customer miserable.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I was sent an unsolicited chase freedom credit card
Company Response:
State: MA
Zip: 014XX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have overdraft protection turned off on my account. I did this so that I wouldn't go into a negative account balance, with the expectation that any transactions would be declined that would put me into a negative balance. When I saw that not only did Chase allow for these transactions to occur, but I was charged {$34.00} overdraft fees PER TRANSACTION, one of which was under {$10.00}. I called Chase and they said that, regardless of me declining the overdraft " service '', that ultimately it was " to Chase 's discretion '' which transactions were covered and that Inhad no control over which transactions were declined or not. Per H.R. 4277, the Overdraft Protection Act. " Specifically, the bill would require financial institutions that offer overdraft coverage for accounts to disclose : ( i ) the specific amount of overdraft coverage fees ; ( ii ) that the consumers transaction may be declined if there are insufficient funds in the account; and ( iii ) that the consumer will not be charged a fee if the transaction is declined. The bill also requires prompt notice of an accounts overdraft status, limits the number of overdraft coverage fees a consumer may be charged in a given month and year, requires that such fees be reasonable, and prohibits a fee if the overdraft results solely from a debit hold amount that exceeds the actual dollar amount of the transaction. Finally, the bill further restricts financial institutions from charging a NSF fee for any ATM or debit transaction and from reporting negative information regarding consumer use of overdraft coverage to any consumer reporting agency when the overdraft amounts and coverage fees are paid under the terms of an overdraft coverage program. ''
Company Response:
State: IL
Zip: 60202
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My wife and I had approx {$2100.00} in fraudulent debit card transactions come out of our checking account. XXXX XXXX was notified of the transactions, they originally denied the claim without a full investigation. Apparently Chase Bank merely called XXXX XXXX without doing a full investigation and denied our debit card fraud claim. We contested XXXX XXXX denial, now they have reopened their investigation, to include our recommendation to look at ip addresses and states/addresses of the fraudulent activity. Chase has not followed the Debit Card laws in not only denying our request for reimbursement, but also failing to do a full investigation.
Company Response:
State: TX
Zip: 77459
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: i have unauthorized charges. collections, charge off on my account
Company Response:
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I deposited a check using the Chase mobile app on XX/XX/2023 for the amount of {$4100.00}. My account was restricted on XX/XX/XXXX, and later was closed. The reason given for the restriction was that the check was issued to multiple people and required additional review. I've called multiple times over the time period between then and now, and have been given multiple methods of verifying the issuance of the check by Chase, but none of them are feasible. The first method was to provide phone numbers for all parties involved in the check, which I did, but Chase informed me that they would be unable to use the provided phone numbers as they did not exist within their internal validation system. The second method was to request that the check be recalled by the writer of the check and to request them for a new one. This was extremely misleading and a waste of time for all parties involved, as Chase misadvised me to actions that were impossible for all involved parties. The issuer of the check and their bank informed me that they were unable to do so as Chase already cashed the check and was holding the funds. In summation, over the past few months, Chase has lied to me, wasted my time, held my funds, and closed my account without giving notice.
Company Response:
State: CA
Zip: 95035
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A