Date Received: 2023-09-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Chase Bank took out a large amount of money over {$5000.00} between XXXX XXXX. This was more than what the statement was for which was just over {$200.00}. They returned it after contacting them on the XXXX and on the XXXX took it out again. I did ask the Rep prior to getting off the phone if they payment will all be deducted once my money was return and was told yes. This has placed my bank account in the negative which is affecting me, my family and household in a drastic way. After speaking with a supervisor XXXX XXXX about the matter, he insists that there is nothing that he can do until the XXXX in which it should fall off. My question to him was what I am to do concerning my children and the automatic deductions which will be coming out of my account? and his recommendation was raising my credit limit higher. How is this supposed to help me by adding more depth to my accounts I asked him and all he can say is sorry, but he can not do anything to help. This is ridiculous that with a push of a button a company such as Chase Bank can remove a customer 's money, leaving it in the negative, but the customer must wait days before our money can be returned to our accounts?
Company Response:
State: TX
Zip: 76542
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I fell behind on payments in XX/XX/2023 because I was laid off in XX/XX/2023, and I called Chase to make payment arrangements and did not received any assistance ( payment plan options ) that would allow me to bring the account current. The agent told me to make as many payments as I could, that was the only solution offered. I received a letter from Chase card services in XXXX which offered the opportunity to pay a lower monthly payment or settle the account. I called Chase on XX/XX/2023 to discuss payment options because I am currently on a fixed income ( until XX/XX/2023 ). The first agent I spoke with offered to settle the amount which would require a down payment of {$370.00} and pay off the remaining amount within 3 months. The agent did not give a total settlement amount ; he only asked me if I could pay 25 % of the balance. My response was " no '' because I couldn't commit to paying a balance that was not disclosed. I disconnected the call from the first agent which lasted about 15 minutes. I called a second time on XX/XX/2023 and spoke with two different agents that asked me questions pertaining to my current income and expenses. The agent offered a credit counseling service which is an in-house non profit organization. I told the agent that this service was not something I needed and a payment arrangement with Chase card services was the only resolution that I was seeking. I was transferred to a manager and during the call the person I spoke with attempted to tell me that I was upset ( I was not ) and failed to empathize the issue, but was condescending and not helpful. Although, I told the last two agents that I would be filing a complaint with CFPB, they did not attempt to further assist me and honor the " debt liquidation '' program option listed on the letter. This phone call lasted one hour and ten minutes, and I did not receive a feasibly financial offer to settle the account. My analysis and assessment of Chase card services collection practices lead me to believe this tactic is being used to collect as much money as they can in a short amount of time, or refer a customer to the credit counseling/debt consolidation service for profit under the guise of a non-profit ( which will allow for more fees to be collected ).
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: For the purpose of this complaint, the following terms shall have the following meanings : Banker : The plaintiff in this action. Issuer : The Business owner and issuer of the check in this action. Complaint : The Banker was provided a check from the Issuer as payment towards a truck sale. Check dated XX/XX/2023, Check number XXXX. The banker is seeking to file a complaint against JPMorgan Chase Bank , N.A . ( hereinafter referred to as Chase Bank ), due to deceptive business practices and undue stress. On XX/XX/2023, Banker deposited check number XXXX in the amount of {$7500.00}, into Bankers personal checking account with Chase Bank. As of today, XX/XX/2023, Chase Bank has refused to release the funds to the banker 's account. Both Banker and Issuer have gone in-person and called Chase Bank on several occasions to inquire about the funds and were both given inaccurate and conflicting information resulting in a runaround. Furthermore, Chase Bank has since closed Bankers checking account and has failed to provide a clear path to rectifying the situation. XXXX Check deposited at XXXX XXXX XXXX XXXX ATM in the lobby. XXXX Online checking account restricted and Banker is unable to log in. XXXX First in-person inquiry- Chase Bank personnel told the Banker " Check looked fishy '' and asked that the Banker make an appointment to speak with a manager because none was available to speak with him at that time. ( CHASE BANK : XXXX XXXXXXXX XXXX GA XXXX ) XXXX Chase Bank personnel stated that the Issuer needed to verify the check by calling XXXX ( XXXX ) XXXX and provide the check number. ( CHASE BANK : XXXXXXXX XXXX XXXX XXXX XXXX XXXX The issuer called Chase Bank and reported back to the Banker at XXXXXXXX XXXX and stated Chase Bank received verification and confirmed that check XXXX was cleared and released. XXXX Banker called to confirm the release of payment with information provided by the issuer. Banker was then placed on brief hold before Chase Bank 's line was disconnected. XXXX Banker called back for a second time and representative had Banker on hold for 45 minutes. representative did not return to call before line was disconnected once again. XXXXSecond in-person inquiry. Chase Bank personnel stated that the check is still on hold because the issuer of check XXXX was not listed as the business owner on the account and that he is just listed as a Manager. Chase Bank personnel asked that the owner call and make the request for funds to be returned or verified because Chase Bank could not make the call. XXXX ( Incoming call- Chase Bank personnel from XXXX ). States she looked into the matter and found there is another solution. Asked to have the issuer call the owner. Due to issuer being the owner, Banker suggested that issuer is willing to come in person to get the issue resolved. Chase Bank personnel agrees that this would be better. *That appointment was missed due to issuer 's work schedule XXXX Banker called to ask for appointment to be rescheduled and received an appointment for the following day, XXXX. XXXX ( Third in-person inquiry ) Issuer went to Chase Bank and was told by Chase Personnel that they saw where the check was already verified and cleared. Chase Personnel also told the issuer that they are not allowed to hold a check past 7 days. ( CHASE BANK : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, GA XXXX ) XXXX ( Fourth in-person inquiry ) Banker went to the scheduled appointment and Chase Bank personnel called to verify issuer of check. Chase Bank personnel confirmed that they were able to verify but, that they can not use it because it has to be on the business number. After recalling the business number again, bank personnel stated that he was not listed as the owner and provided XXXX number again. ( CHASE BANK : XXXX XXXX XXXX XXXX )
Company Response:
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: Opening Account XXXX the Chase Bank on XXXX XXXX XXXX XXXX NJ XXXX XXXX Never returned my XXXX State ID one of Two ID used to open account XXXX State ID. I sent Emails complaining, no response. In Bad faith My ATM card was never sent to XXXX XXXX XXXX XXXX NJ over 4 different times, Branch alleged it was sent. After moving to PA I requested 4 times for ATM card which was also never sent. Chase was addement on Policy of waiting period of month. After period was up Twice no card. mysteriously After 8 months & requesting ATM once again it was scent not to any address on File with chase due to " Waiting '' period I never gave XXXX XXXX XXXX XXXX PA XXXX out of fear that " Month period waiting ''. However a card was received & Once activated by me it was reported closed because Chase sent another card. Once this card was received & Activated the Card pin Was alerted as wrong according to chase. In my transaction today my pin was accepted by XXXX XXXX on file with chase which asked for {$2.00} fee which I declined & When next door to XXXX, This ATM the same pin alerted Incorrect. A few minutes after talking to Chase '' who stated pin Incorrect " the pin worked & printed a Balance that can't process without a correct pin. The Balance showed Not Available after calling the Branch again today I was confirm the Account was Available of {$400.00}. I was told the pin was incorrect & have to wait XXXX days for a letter with A pin scent to the Address I never gave Chase, out of fear I would have to wait A Month. Furture more I letter was sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX about A platinum Card application which I never applied for. This City in PA XXXX XXXX doesn't have any chase Bank. This is why ATM Card was required. I'm filling A CIVIL RIGHTS Amendments Violation & Small Claims Case immediately in effect. Attached is Letters of Initial Submission of ATM Card Never received from Opening the Account in 2022, with A record of Letter to XXXX XXXX XXXX during These XXXX ATM card that was Mysteriously sent to Address never issued to chase because of " Policy '' of waiting a month. Now the Card that was received was closed & XXXX Card That was scent was activated & My pin was programmed Along with the first That's how I became aware the initial Card was Closed. Now Chase Alleged the pin is incorrect & is in process of sending me a letter with pin, which I obviously didn't Program.
Company Response:
State: PA
Zip: 18360
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: JP Morgan Chase has blocked online access to my credit card accounts until I agree to their revised Online Electronic Disclosure and Consent Disclosures and Agreement. This means that I can not monitor account activity, view statements, pay bills, or redeem rewards until I read the 125 page document. There is no grace period with continued access nor any option to reject the terms, only to agree.
Company Response:
State: FL
Zip: 33134
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: A few weeks ago, my accounts were frozen, I have called Chase customer service several times and no one could tell me why my accounts were locked. I have not received a letter or call from anyone explaining why. I have been trying to get MY money out from my account for several days now. Every time I call, they tell me I can go the branch and a branch manager can override and withdraw my money for me, since I am not able to withdraw anything myself due to the accounts being locked. When I do go to the branch, the branch manager is extremely rude and refuses to help me. I even had a representative on the phone in front of her telling me she is able to override and withdraw for me. The branch manager still refused to help me. This has been an awful experience.
Company Response:
State: TX
Zip: 79936
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I had credit cards with Capital One and JP Morgan/Chase back in XXXX and I couldn't pay off the balance because of a job loss. The creditors had charged off on the balance owed, and they started to report the debt again every month to my credit bureau decreasing my FICO score and I couldn't get a car loan. Please see the attachments for reference. Thank you very much for your help.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: ON XX/XX/XXXX I ENTERED A CHASE BRANCH TO OPEN AN ACCOUNT SUPPLIED ALL THE PROPER INFORMATION TO PROCEED TO OPEN AN ACCOUNT WHEN I WAS TOLD THEY HAD TO TALK TO THE HIGHER UP UNBEKNOWN TO ME WHY BUT I SAID OK I MADE SEVERAL ATTEMPTS TO FIND OUT THE REASONING FOR THIS I SPOKE WITH SEVERAL REPS WHO GAVE ME THE RUN AROUND AND ON XX/XX/XXXX XXXX RECEIVED A LETTER STATING THEY WERE UNABLE TO VERIFY MY IDENTITY. I DONT INNERSTAND WHAT MORE INFO THEY NEED FROM ME IF THEY COULD CHECK MY SO CALLED CREDIT SCORE WITH XXXX THEN THEY HAD ALL THE INFO THEY NEEDED TO OPEN THE ACCOUNT AN ACCORDIND TO 12 US CODE SUBSECTION 412 THEY COULD HAVE USED MY APPLICATION TO FUND MY ACCOUNT SO IM NOT INNERSTANDING THE PROBLEM. THEY ARE IN DIRECT VIOLATION OF FEDERAL RESERVE ACT SECETION 16 .1THE BANKS ARE THE BORROWERS
Company Response:
State: PA
Zip: 16601
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX I tried to login into the Chase bank ( chase.com ) mobile app to pay bills and check on my funds. My login screen was covered with XXXX agreements which I need to sign on. No access to my accounts. These XXXX agreements on which my use of the account was conditioned, were of XXXX total pages in total! They are attached. I called the company on the same day, as expected, they explained to me that they can't do much about it. The person on the phone also suggested that probably not all the stuff in the agreement was applicable to me, advised my to skim through and concentrate on what's relevant. Blocking an account which is in a clean state for the reason to sign a volume of documents is completely unacceptable. On further reading, there are clauses in the account which the customer can opt out if the customer decides to do so. The opt out is not via a check box ( yet the signing of the agreement is ), it's via a separate letter that needs to be sent to the company. This is obviously done with the purpose to mislead, and to sneak in changes which they can not enforce customers to accept. As a general rule, if they are willing to accept electronic signature, or checking a check box to accept an agreement, they must provide the SAME LEVEL OF INTERFACE for the opt-out clauses. In this case, they should have had a check box for each opt-out clause.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I was trying to open a business account with chase business, on XX/XX/XXXX online. I accidentally deposited the funds into an online checking account instead, I inform chase of my mistake, I was sent a link to open the correct account, in which I did. I told them to close the checking and put the funds in the new open business account I was told, it can not be done, they will refund the check, so I can put it in the business account, after about a month of waiting for the fund, I call chase to inquire about the funds I was told I can not get the funds until I provide a phone number of the employer, in which did chase rejected that number and continuously been doing the same with every phone number I sent, I went a chase branch to identify myself n was given the loss claim department I call kno result, it's been a roller-coaster ride since then, I even ask chase to speak to the employer n they refused, I would just like to get my check back...
Company Response:
State: PA
Zip: 17408
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A