Date Received: 2023-09-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: My company was acquired by XXXX last year and the relationship with my former 401K carrier ( XXXX ) was being terminated this year, forcing me to transfer my 401K funds. I chose to directly roll the 401K ( approx $ XXXX ) into my new XXXX 401K account. XXXX insisted on a paper check being sent to my home address from XXXX, then sent on to XXXX 's retirement services department in IL. I received the paper check, added the necessary rollover paperwork, and mailed it all ( USPS ) to Accenture on XX/XX/XXXX or XXXX from an official USPS mailbox in XXXXXXXX XXXX The check, issued by Chase bank, was somehow intercepted, forged, and deposited or cashed on XX/XX/28 at XXXX. I discovered this on XX/XX/XXXX when XXXX sent me the attached forged check after I inquired about why it still wasn't showing up in my account at XXXX. We submitted a Declaration of Unauthorized Endorsement to XXXX and their bank ( Chase ) the week of XX/XX/XXXX. I understand their fraud division opened a case with XXXX XXXX XXXXXXXX the same week. I spoke with the police on XX/XX/28 to open a report and filed a complaint with the USPS the same day. XXXX/Chases fraud department is in contact with XXXX XXXX XXXXXXXX , yet Chase is refusing to return my funds despite acknowledging that the check cashed was fraudulent. This is all happening because I was forced to do this transfer through via paper check, so while XXXX is ultimately responsible, XXXX/Chase should return my funds to me while this is sorted out with XXXX XXXX XXXXXXXX XXXX
Company Response:
State: CT
Zip: 068XX
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: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2023 I deposited a check for {$33000.00} into my bank account at JP Morgan Chase Bank N.A. The check was immediately designated as suspended and I never received the funds. Chase has been in possession of those funds for almost 3 months and I really need them to avoid financial distress. On XX/XX/2023 my bank account was closed entirely without any communication or notifications from Chase to inform me that my account closed and I never received the money. Initially I thought I had been robbed and hacked by someone. The check was issued from the XXXX XXXX XXXX ( their bank account is with XXXX XXXXXXXX XXXX ). The check was placed into a Suspended status from Chase, while Chase attempted to validate that the check. The check was processed by Chase and the funds left XXXX XXXX XXXX account ( but I did not receive anything ) The method Chase is using for validation is to pull the information of XXXX XXXX from a database with a company called XXXX. Chase has attempted to use XXXX to retrieve a corporate phone number associated with XXXX XXXX. Unfortunately, XXXX has not been able to produce a valid number for chase to use. Thank you, XXXX
Company Response:
State: NY
Zip: 119XX
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: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened recently a chase secured checking account and I deposited a friends check third party online in which the funds were never made available despite it saying it was a XXXX day hold. Once the XXXX day hold was up then chase notified me that my account was restricted and soon would be closed yet the funds showed available in my account. When I inquired about the funds and closure they told me that I would need to produce a phone number of the check payee in which was registered to the payee and could be verified so through a " system '' verification that XXXX uses to verify people and phone numbers which they are to be registered to. I provided the phone number and they said they ran it through their system to get the verification yet it did not come back registered to the payees name. That is hard to believe when the phone number is valid and is under the payees name as I was shown by my friend it was through consumer cellular and so they said the money in the account was going to be held until a number would show up in their system registered to the payee on their end. I explained that if I could come into a local branch and bring my friend with valid ID to get the funds in person and would this be an option the lady told me very rudely the money was not going to be released until chase verification through the phone number showed the payees name and I explained that now that my account is closed and I had not received the funds the check was no longer good to cash anywhere else and they shouldn't be able to hold onto those funds making the physical check no longer cashable and that I had no problem getting the phone number registered to the XXXX it's the chase system they use that is obviously not accurate because I've since then provided XXXX separate numbers to them and they all were registered to the XXXX proven in our end yet their system wasn't showing the information in cases system. I've called probably 7 times waiting on hold for long periods of times and getting basically the same answer that the funds will stay with chase until this " system '' XXXX uses can show the payee as registered owner to the phone number. This is a glitch in the system because the numbers provided are in the payees name and I want to demand my funds be released to myself being that I waited the appropriate hold times that XXXX prolonged my check funds in order to make sure the check was valid in which it was and the funds were paid out to chase and they refuse to release the money to me. I've talked to check risk management several times and some say keep trying the phone numbers I have to see if they eventually could be verified but it's been ongoing for XXXX months about and I don't understand why they closed my account over a check that wasn't fraudulent and did cash and kept the money denying me access to it because of a system that isn't obviously accurate at times. The funds don't belong to XXXX and now they closed my account so all funds needs to be returned to me that are availably shown in my account currently or even recently because they don't have any control over money that doesn't belong to them they can only do the hold until the other bank releases the funds to cash the check and deposit them into my account and not demand these extra measures because there's no issues with the check at all and chase received the money. I would like an explanation as to why they can't accurately verify the phone number of the payee through their system and not continue to deny me access to them stating they have not verified any phone numbers because I have done it XXXX separate times with XXXX good current phone numbers that are in payees name. This is dishonest and to me just a way to keep money in their possession with no interest paid to anyone to help fund their business and customers with money they don't got to pay interest for. I'm tired of getting the runaround from Chase I would like to resolve my issues immediately and be given my funds that are rightfully owed to me. This should not be legal practice for any bank and chase needs a better verification system.
Company Response:
State: AZ
Zip: 85705
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: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Chase bank opened a credit card account in my name this evening without my requesting such an account. I do not now, and have not previously, had a credit card account with them.
Company Response:
State: CO
Zip: 80220
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: Closing an account
Subissue: Company closed your account
Consumer Complaint: Every time i oprn an account chase close it based on my name
Company Response:
State: NY
Zip: 11413
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said account. XXXX XXXX XXXX was reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Company Response:
State: CA
Zip: 90069
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Chase bank unlawful closed my account with all my life savings in. Ive been trying for Months reaching out to them go get my money. I keep getting transferred to a voicemail of a executive office of a women name XXXX she never answers or call me back I leave serval messages.
Company Response:
State: FL
Zip: 34953
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
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: On XXXX, I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX XXXX Florida. At closing Dealership Representative XXXX XXXX sold me an aftermarket warranty which is called ( XXXX XXXX CONTRACT ) for {$880.00}. The contract agreement clearly states, " If you cancel this Service Contact within 60 days of the PURCHASE DATE, a 100 % refund of the service contact price will be made less any claims paid on the service contact. On XXXX, I responded back to the dealership to cancel the contract. The representative XXXX XXXX was verbally abusive and refused to cancel the contract. I then disputed the {$880.00} from the {$5000.00} deposit that I placed on the vehicle. I showed proof of the service contact agreement to my Chase Visa credit card company. However, Chase denied my dispute.
Company Response:
State: FL
Zip: 33409
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am having an issue with filing a damaged baggage claim with Chase. My name is XXXX XXXX, and I have a United Explorer card with Chase ( whose card number ends in XXXX ), that has damaged baggage insurance for any flights paid for with the card. I had such damaged baggage, and my problem is that am being stonewalled by Chase ( or rather, Chase 's insurance benefits administrator, eclaimsline.com ) who is asking for information that doesn't exist. I need help/escalation or some kind of intervention to help get this resolved. My claim number with eclaimsline.com is XXXX. We had a damaged bag on a flight on XX/XX/XXXX with United Airlines, and we first filed a claim with United Airlines ( the common carrier ). The bag was destroyed, and the value of the bag was {$190.00}. United refused to cover the bag under ( flimsy ) claims that the damage was common wear and tear. However, they did not do so in writing with any formal documentation ( i.e. no formal claim forms or notice of denial ). They did so via a combination of in-person interaction at the airport and via their text-message based customer service system ( which they route you to when you call their baggage handling department to file a claim ). They refuse to provide any other sort of documentation ( such as a statement or document via email ), and have been ignoring requests for a response. So I am sitting her with damaged baggage that United refuses to cover. I have in writing from United that they are denying the claim via the text-message exchanges, but no special type of formal denial form. It seems that United 's process doesn't have that type of form. In such instances, the baggage insurance provided by my Chase Mileage Explorer card is supposed to kick-in, and we have filed a claim with EClaimsline. However, our claim is in standstill, as EClaimsline 's representative keeps asking for a copy of the initial claim for damages that I filed with the carrier, as well as a copy of the carrier 's settlement response ( i.e. their denial ). The problem is that United 's process does not involve either of those things. United instructed me to file a claim over the phone which then redirected me to their text-message based customer service system. It is via their text-message-based system that my claim for damages was filed, and that United eventually made their denial. I have provided both of these things to Chase ( or EClaimsline, rather ). That is the documentation I have, but EClaimsline is not accepting it, continuing to ask for documentation that does not exist and that United does not provide. Further annoying is that there is no dialogue from EClaimsline or Chase ( i.e. asking me about the situation and what information I can provide to substantiate it ). Instead, they just send me a PDF notice which ( once I open it ) tells me again to provide them with a copy of the non-existent documentation, effectively ignoring the claim+denial from my text correspondence with United. I don't know what to do. Chase 's insurance is supposed to cover this, and I have spent tens of hours dealing Chase. It has been by far the worst customer experience I have ever received by Chase. I would appreciate any assistance in getting this resolved.
Company Response:
State: CT
Zip: 06820
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I had a hard inquiry on my credit report that I did not authorize from jpmcb. This showed up on my report XX/XX/ 2023. I have contacted them and they are supposed to be contacting the credit reporting agencies to have this hard inquiry removed.
Company Response:
State: OH
Zip: 430XX
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A