Date Received: 2023-09-18
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XXXX XXXX XXXX I contacted CHASE bank to report problems with my checking account. I was unable to make deposits, withdraws, transfers and my debit card was declined. My account had a balance of about {$3800.00} but they froze it without warning. They informed me that there was an issue with a XXXX XXXX I had deposited ( {$370.00} ) into my account. It was difficult to read. They instructed me to take the money order to my local branch and have the problem rectified. I brought the money order into the local branch. The representative reviewed the money order and then called someone to have the issue fixed. That representative informed me that they were closing the account immediately and even though I had a balance of {$3800.00}, they refused let me withdraw the funds. They told me that they would issue a cashier 's check withing a few weeks. They gave absolutely no warning or notice of the closing and refused to provide me with a reason.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Chase Bank Fraud on my checking account : reported the claim & was not refunded. The following charges were made fraudulently after Chase sent my new debit card to an unauthorized address : XX/XX/2023 - XXXX XXXX XXXXXXXX {$160.00} charges XXXX - XXXX XXXX {$25.00} XXXX XXXX XXXX XXXX - {$77.00} XX/XX/XXXX - XXXX {$25.00} XXXX charges simultaneously. XX/XX/XXXX - XXXX {$25.00} XXXX charges XXXX : {$910.00} The fraud continued to occur after reporting it. I even kept my card locked, and it persisted. I was refunded for one of the XX/XX/XXXX charges for XXXX, but not the others and the bank is stating it was past the 60-day requirement, yet reimbursed me for that one XX/XX/XXXX charge. I can barely ever even get through to Chase Bank, but I spent so much time trying to, and was told when I filed the claim that it would be handled and I would be reimbursed in 5-7 business days. Now they are telling me there is nothing that can be done, and I will not accept this when Chase is liable for the fraud by sending my personal information to an address that I do not and did not have on file.
Company Response:
State: NY
Zip: 117XX
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On Sunday morning of XX/XX/2023 before XXXX XXXX., XXXX XXXX 's debit card ending in XXXX was stolen from the vicinity of XXXX XXXX XXXX XXXX and replaced with the debit card of a XXXX XXXX. After XXXX XXXX 's debit card was stolen, it was taken to the XXXX ATM machine at XXXX XXXX XXXX XXXX and XXXX separate transactions of {$200.00} were stolen from XXXX XXXX 's checking account. Additionally, an unauthorized ATM transaction of {$4800.00} was transferred from Savings to Checking by the individual that stole the debit card. Subsequently, XXXX additional transactions were made at XXXX XXXX XXXX of {$100.00} ( including {$100.00} cash back ), {$42.00} ( including {$40.00} cash back ), {$41.00} ( including {$40.00} cash back ), and {$3.00}. XXXX XXXX took an XXXX home from XXXX XXXX XXXX XXXX at XXXX XXXX. to XXXX XXXX XXXX XXXX at XXXX XXXX. At XXXX XXXX. on the afternoon of XX/XX/2023, after awaking, charging his dead phone, and seeing a fraud alert issued by XXXX for XXXX of the {$200.00} ATM transactions, XXXX XXXX XXXX via text to cancel the debit card and called XXXX to submit a claim for fraudulent debit card use for the XXXX aforementioned transactions. On Tuesday, XX/XX/2023 at XXXX XXXX., XXXX XXXX received a XXXX message from a XXXX XXXX asking if XXXX XXXX 's card was stolen over the weekend and confirmed that a couple came up to XXXX XXXX and helped him get an XXXX, but also presumably stole his card and replaced it with XXXX XXXX 's card. XXXX XXXX confirmed he was approached by the couple on the XXXX XXXX XXXX XXXX XXXX after leaving XXXX XXXX and has preserved my debit card. Chase Bank proceeded to temporarily fund the XXXX XXXX claim for {$180.00} pending investigation, but ultimately denied the claim due to the compromised PIN allegedly used with no incorrect attempts. Chase Bank also promptly declined the XXXX separate withdrawals for {$200.00} each, totaling {$1000.00} due to the compromised PIN allegedly used with no incorrect attempts ( despite a fraud alert being triggered from XXXX of the attempts ). After the claims were denied, XXXX XXXX closed the Savings account on XX/XX/2023 and the Checking account on XX/XX/2023. XXXX XXXX further received a letter from Chase Bank dated XX/XX/2023 requesting payment of the {$180.00} that had been credited to the Checking account after being stolen.
Company Response:
State: IL
Zip: 60647
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: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I signed up for a XXXX XXXX XXXX Credit Card on XX/XX/23 through a link that said if I spent {$5000.00} in the first three months I would receive XXXX miles and XXXX PQP. I took a screenshot of that promotional offer and still have it ( see attachment ). When I spent the {$5000.00} I only received the XXXX miles but no PQP. I called Chase and they said they were only showing the miles bonus but no PQP. They escalated this to marketing but they said there was nothing they could do. I read online that this exact thing has happened to several other people with this same credit card and intro bonus.
Company Response:
State: CO
Zip: 80210
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: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My checking account and savings account were drained on XX/XX/2023 by 6 different atm transactions. 4 transactions on checking account. 2 at {$400.00} 1 at {$200.00} 1 at {$100.00} Using 2 different atms 2 transactions on my savings account. 1 at XXXX 1 at XXXX Using 2 different atms At the same time I was aware of the withdrawals, I found through email that a new card had been requested 1 day prior, which I did not request. I called the bank immediately to report the card request and the fraudulent withdrawals. I did not make any of these withdrawals nor did I give my card or pin to anyone. The bank has decided that since my pin was used at the atm that the withdrawals were not fraudulent. They said I probably gave my card to someone to do this which is completely offensive. I am a single mother of XXXX and now I can not pay my bills. The bank has refused to reopen the claim and said there is nothing they can or will do. This is with Chase Bank. I waited 12 days after making the claim just to be accused of being the one who is fraudulent and to be told they will not help me.
Company Response:
State: TX
Zip: 75243
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: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: My identity was used to open a credit card without my knowledge or concent.
Company Response:
State: MA
Zip: 02780
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX my account was hacked and funds were instantly transferred to someones account through XXXX XXXX. It was out of the ordinary for my history. My phone line was hacked and i sent them proof of the calls. I was a victim of scam and my bank is refusing to be the slightest bit of help. I have sent them police reports, my statements, call logs to prove i was compromised. This all happened when i received a sketchy email from XXXX. I called to report it ( the XXXX support line from their legit website ) and from there the line was hacked. They took all my information and were able to send money to anyone. I work under XXXX would never do something to compromise my licensing XX/XX/XXXX Amount : {$1200.00}
Company Response:
State: NJ
Zip: 08816
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/23 a check was deposited written from XXXX XXXX in the amount of {$9000.00} check number XXXX. Chase location XXXX XXXX XXXX XXXX. XXXX XXXX MO. The funds were on hold until Friday XX/XX/23. At that time when I attempted to make a withdrawal, I was informed the account was flagged and no funds could be released. After contacting Chase customer service department speaking with multiple representatives, & Supervisors I was told that XXXX XXXX signature needed to be present. I gave Chase Supervisors at least 3 different numbers for XXXX XXXX and I was told that none of the three were verifiable so they could not release the funds. The other option I was given was to contact XXXX XXXX to have the check recalled and they said they couldnt recall the check. So the funds are still on hold, and the accounts is now closed again after I was told that that had enough information to release the funds.
Company Response:
State: MO
Zip: 64063
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: 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: My name is XXXX XXXX XXXX. This letter I tried to send to Chase Card services. The card that was used had the last four digits XXXX. I did not use that card on XXXX and XXXX for those 5 charges you added back to my card in XXXX. I sent the letter below to my job because I was in the XXXX on XXXX to get XXXX. I was home on XXXX following my XXXX XXXX to prepare for the XXXX. I was put on a XXXX XXXX at XXXX XXXX on XXXX. This letter below I sent to my job to be excused from work. I have an email from you asking did I recognize a charge someone tried to make at XXXX XXXX over XXXX which thankfully chase declined on XXXX. I responded no I did not make that charge. You changed my card. I did not get it. I believe someone tried to use that card and you canceled that card and sent me another card. Yet, you say I made charges I did not make! I want you to take all these charges off my card! Those charges were on XXXX and XXXX that you added back to my bill. I I have been a customer too long to be treated like this! Below is the letter I sent to my job that proves I was in the hospital on XXXX. I was told to send this letter to the email provided by your staff. It was sent back to me as undeliverable. Sincerely, XXXX XXXX
Company Response:
State: CA
Zip: 905XX
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: XX/XX/XXXX at XXXXXXXX XXXX, I received a chase fraud alert informing me that a total of {$410.00} was declined at a XXXX grocery & if it was me who tried this transaction. I checked to see if my card was possibly stolen, but my card was in my possession & not taken, I responded to the Chase Fraud alert with, NO. A chase specialist called me & we discussed the matter & she right away canceled my card & put in the request to mail me a new card. All my funds in my account were there & valid, but when I got home I had double checked to make sure if there was any possible unrecognizable charges made & that is when I came to my account & my account was down to {$98.00}. Someone had made a withdrawal of two transactions, one of {$3000.00} and the other of {$1000.00}. I right away called my bank & made a claim because this was not me. My account information was stolen & possibly my pin. The bank then informed me that I would be receiving temporary credit funds back in my account within 12 hours. I never received those funds & I called again for an update. The chase specialist I spoke to let me know that I should receive funds within a couple days & that it has been approved I just have to wait until the XXXX of XXXX. A week went by & I still have not received my funds & I called the claims department once again & that person told me that the post date for me to receive funds is XX/XX/XXXX. A couple days later after I made that call which is today, the claims department of Chase informed me that my claim was denied because whoever access my account & withdrew money out of it would only be able to do so because they got a hold of my pin number. The bank is unable to & will not help me, someone stole {$4000.00} out of my account & I can not get it back because the bank feels as if my situation is not true.
Company Response:
State: CA
Zip: 90706
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A