Date Received: 2023-09-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Respected Sir/Madam iI want to report and seek help on XX/XX/2023, there was an unauthorized transaction of {$1500.00} on my account. I did not make this transaction and have already filed a claim, but it was told that i will receive my credit back in 1 business day today its 4th business and i am fooling again and again daily by chase team by telling that tommorow you will get. I received an alert about the transaction and immediately blocked my card and called customer service, but unfortunately, they were not available. After 18 months of hospitalization, I recently started my job and received my first payment of {$1100.00}. I deposited it and went to a car show. When I returned home, I realized that I had lost my wallet and mobile phone. I immediately logged in from my computer to block all my bank debit and credit cards. At the same time, I received an email notification that my card had been used for the unauthorized transaction. I locked my card and called customer service as soon as they opened on Monday to file a claim. However, I received notice that no action will be taken and dispute is fooling me daily. I need my money back as I have already gone through a lot of struggle to start saving again. This unauthorized transaction is illegal and unauthorized. Please help me get my money back.
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hello, I am writing to file a formal complaint against Chase Bank 's Merchant Service ( QuickAccept/ WePay ) regarding the prolonged and unjustified withholding of funds totaling {$26000.00} from my business checking account. Despite numerous attempts to resolve this issue directly with Chase Bank, the funds have been held for an unreasonable period of 120 days without any clear explanation or resolution. Back on XX/XX/2023 Chase Bank advised these transactions were to be reviewed by the XXXX XXXX XXXX and review would take 5 days, its been over 100 days. Below are the two ticket numbers that have been shared with me : Ticket # XXXX Ticket # : XXXX I wish to bring to your attention the following details regarding this matter. Delay in Fund Release from the below date of transactions and amounts : XX/XX/2023 - {$4900.00} XX/XX/2023 - {$4800.00} XX/XX/2023 - {$720.00} XX/XX/2023 - {$4100.00} XX/XX/2023 - {$7300.00} XX/XX/2023 - {$530.00} XX/XX/2023 - {$4400.00}. Our business processed legitimate transactions with a customer for the amount of {$26000.00} through Chase Bank 's Merchant Service ( Quick Accept/ We Pay ). Subsequently, these funds were placed on hold without any prior notice, and despite repeated inquiries, we have received no clear explanation for this action. Also Chase Bank advised they would be closing my QuickAccept account for no reason. The transactions haven't been proven to be fraudulent and aren't fraudulent in nature at all. Inadequate Communication : We have made multiple attempts to contact Chase Bank 's Merchant Service ( Quick Accept/ We Pay ) department to understand the reasons behind this hold and to expedite the release of our funds. However, the bank 's customer service representatives have provided inconsistent information and failed to offer a satisfactory resolution. Impact on Business Operations : The withholding of these funds has had a detrimental impact on our business operations. We rely on these funds to cover essential expenses, pay our employees, and maintain our day-to-day operations. The prolonged delay has created financial hardship for our business. Lack of Transparency : We believe it is our right as account holders to receive clear and transparent communication from our financial institution regarding any issues affecting our accounts. The lack of transparency and information provided by Chase Bank has left us frustrated and concerned about the safety of our funds. We kindly request the Consumer Financial Protection Bureau 's intervention in this matter to facilitate the immediate release of our funds and to investigate the actions of Chase Bank 's Merchant Service in withholding our funds for an extended period without proper justification. We also request that any fees or penalties associated with this delay be waived, as the situation was beyond our control. Enclosed with this letter are copies of relevant documents, including transaction records, email correspondences, and any other evidence that can assist in your investigation. We appreciate your attention to this matter and request a prompt response to begin the process of resolving this issue. Our business relies on the timely availability of our funds to continue operating smoothly, and the prolonged delay has put our financial stability at risk. Thank you for your assistance in this urgent matter. We look forward to a swift resolution to ensure the financial well-being of our business. Sincerely, XXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30035
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I'm submitting this compliant due to the negative information that XXXX XXXX XXXX XXXX XXXX has reported in my banking report. I believe that my rights have been violated as this information is inaccurate and misleading. Please investigate and rectify this matter promptly. Description of Dispute : XXXX XXXX XXXX is reporting multiple negative accounts with my personal information such as, XXXX XXXX XXXX : Incident date : XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX reporting a negative balance of $ XXXX. XXXX XXXX : XXXX date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting a negative balance of $ XXXX. XXXX XXXX : XXXX date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting a negative balance of $ XXXX Fee reversal : $ XXXX. XXXX XXXX : Open date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting an Overdrawn account. XXXX XXXX : Open Date XX/XX/XXXX, Closed Date : XX/XX/XXXX Banking Routing # XXXX, Account # XXXX. Account Status : Closed for Cause-Purged of XXXX XXXX : Open Date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting a closed account. Reason for dispute account was never opened.
Company Response:
State: MI
Zip: 48180
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was scammed by an event organizer who seems to be operating alone. They claimed to be an organizer for events in XXXX, took a XXXX payment for a ticket to an event and sent over the ticket for {$150.00}. They then requested {$100.00} for a refundable deposit for the venue. After sending me the time and address as well as instructions for arrival, I went and was told that the event was full and I would need to buy a VIP pass for another {$100.00}. I did not send that amount, and instead went into the venue to find it completely empty. They then blocked my number. I have their email and cell phone, as well as the XXXX receipts and the number its attached to. I called Chase immediately to try and cancel the two payments of {$150.00} and {$100.00} but they said they couldnt help me.
Company Response:
State: GA
Zip: 30324
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: Someone attempted to apply for credit using my name on XX/XX/2023, without my authorization. I have made several calls to JPMCB in an effort to obtain a fraud acknowledgment letter, but they have not provided it ( a week now ). XXXX has stated that they can not remove the hard inquiry from my credit report without this document.
Company Response:
State: PA
Zip: 19464
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I went into a local JP Morgan Chase Bank in XXXX, IL to make 2 deposits : one into my checking account with my husband XXXX XXXX XXXX and the other is joint account with my son, XXXX XXXX XXXX his XXXX account with the bank. I normally write out my checks at home with a security pen. But, this day I was rushing to run my errands. I have a lot on my plate : I am a recent XXXX XXXX survivor still under several doctors care and I've been taking care of my mother. Who is XXXX yrs old and a recent XXXX XXXX XXXX. She has been living with us since XX/XX/XXXX and she has health and mental health issues. My son was home for the summer from XXXX does not drive, though he's XXXX yrs old. I run everyone around and my schedule is tight. My husband travels for work. So, I was trying to run errands, when I came into my local Chase Bank to make deposits to our respective accounts. When it was my turn I asked the teller if she needed to see an id, because I was going to write out the checks in front of her and she said, " No as long as I used my debit card and entered the pin #, it would serve as my id. '' So, I wrote out my first check, XXXX XXXX for {$100.00} to be deposited into my son 's XXXX account. I am joint on this account with him. I signed and completed the check in front of the teller. I handed it to her and she took it away. When she returned she told me that I had to write out another check because I had mistakenly put pay to XXXX XXXX, but he wasn't presence to endorse the check. I acknowledged my mistake and I drew a line through his name and wrote my name XXXX XXXX instead for the deposit and initialed it. But, before I could endorse the back of the check the She stated that the check had to be VOID and rewritten. She stated that an initialed check was not allowed and I must rewrite a new check. I questioned this since I have previous work experience with handling money. I worked in a XXXX XXXX for XXXX XXXX XXXX in XXXX on XXXX XXXXXXXX in XXXX XXXX XXXX. There we did allow for initialed mistakes if the check was written in front of us, which I had just done with this teller. I also was a manager in retail for years including XXXX XXXX XXXX XXXX and several rXXXX XXXX At XXXX XXXX I was over the XXXX XXXX and once again we allowed for initialed mistakes to be corrected if the check was written in front of us with the proper identification. However, when I challenged her on this she started arguing with me. She even told me that she was doing me a favor because she'd been assigned to work the drive-through window that day, but came over to work the line down. I mentioned that I thought that I was at the usual secondary teller window, but that's when she pointed out that I was not. I was standing at a teller booth that's not usually open. So, I told her, " You are not doing me a favor. Because I'm going to another teller, because you and I are not on the same page. '' As I was leaving her window she yells out, " You're going to have to wait! '' and I responded that " I'd rather wait, then work with her. '' There was no wait. My new teller was available immediately. So I stepped up and and began explaining why I moved to her window and what I needed done. As I'm talking the teller I'd had problems with came over and interjected herself into my conversation and begins to argue with me. When I answer her back, She points her finger in my face and says, " That I had better stop yelling. '' I told her that I am not yelling and I immediately tell her to bring me the XXXX, because I am through interacting with her. The teller assisting me never said a word. The problematic teller goes over an grabs a woman, who has waited on me several times before as a teller. Now, this woman is presenting herself the manager. I'm stating that I was expecting a branch manager. I precede to relay what transpired. The woman listens halfheartedly and as I'm speaking the problematic teller interrupts me over and over. The " manager '' does not send her away or correct her behavior. The teller was very demonstrative and loud. I would call her behavior belligerent. No one apologized for her behavior. After speaking with the " manager, '' I complete my transaction and leave the bank. The 2 new checks that I had to write were check XXXX XXXXXXXX to my for my joint account with my husband for {$150.00} deposit. Account XXXX XXXXXXXX and to myself for my son 's account a deposit of {$100.00}, check numbered XXXX XXXXXXXX for XXXX ' XXXX account that I am also on. his account XXXX XXXXXXXX. The checks were written on my joint account with husband XXXX XXXX XXXX with XXXX XXXX ( XXXX ). He has had this account since XXXX XXXX. My Chase account is XXXX XXXX XXXX originally owned by XXXX XXXX, opened when I was XXXX years old. I am now XXXX yrs old. When I returned home I called the Chase XXXXXXXX XXXX and asked how I could file a complaint on the teller. The customer service Rep. Assured me that I could file the complaint with him and after taking down the details he promised that I would be hearing from the branch manager very soon. He also looked up the branch manager 's name, though he could not give it me and reported that the branch manager is not a woman but a man. I waited to hear back from branch manager, but after a week and a half. I returned to the bank only to be told that he was out and I was given his card : XXXX XXXX, Branch Manager, Vice President, XXXX ID : XXXX, at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The phone number is ( XXXX ) XXXX. I check my banking on-line everyday and on XX/XX/XXXX, I saw a check transaction written on my canceled check from that incident at the Chase Bank ( XXXX XXXX XXXXXXXX ) for {$900.00} paid to XXXX XXXX XXXX I immediately pulled my check register and verified that was our cancelled check and began trying to call XXXX XXXX. But, it was early they rerouted my calls several times to the wrong dept. So when my local XXXX branch opened I went in after XXXX XXXX. I was first assisted by XXXX XXXX ( XXXX ) XXXX, she then turned me over to XXXX XXXX, Retail Relationship Manager Banker, XXXX XXXX : XXXX XXXX XXXX, XXXX, IL XXXX. The phone for XXXX is ( XXXX ) XXXX. I've worked with the branch manager before so he came over and assisted as well, XXXX XXXX, Branch Manager, Vice President, XXXX XXXXXXXX. His phone number is ( XXXX ) XXXX. It was the branch manager who told me to contact your agency. We were told on our second visit that day, ( I returned with my husband XXXX XXXX ) since he's the primary on the account that the check went through. They had requested that I file a Police Report, so I went into my City 's police station ( XXXX, IL ). XXXX, XXXX XXXX of XXXX XXXX patrolman XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX me a case # XXXX. The phone number for XXXX is ( XXXX ) XXXX and the email for XXXX XXXX is XXXX They goggled the casino and it's located in XXXX XXXX, but XXXX and I were in IL in are XXXXty residence. They asked me if I had the cancelled check and I assured them that I would look for it. I found the check and photocopied the front and the back and sent the police dept. and XXXX. the bankers. If given the opportunity I can upload to your office this photo. It's as the day it was written only to be deposit to me into my joint account with my son XXXX XXXX for {$100.00}. Now, only 2 people handled this check, myself and the belligerent teller. I was never given her name but she is XXXX, a woman in her XXXX XXXX to early XXXX XXXX under XXXX '', with dark brown curly hair. XXXX skin, unsure of the eye color. I did not see any noticeable marking, tattoos, or piercings. and she was assigned to the Drive-through on XX/XX/XXXX at XXXX. My teller who completed my transaction is XXXX on XXXX # XXXX. I saved my receipts for both transaction. I need this investigated and I am willing to prosecute whoever is involved. We have had to close and reopen our account with XXXX XXXX at a terrible inconvenience to us. We did have to switch automatic pays to various companies at some expense to ourselves, since all fees were not waived when transactions did not go through, though our bank tried to catch most of them. They weren't all caught. I also feel that my accounts with JP Morgan Chase have been compromised as well if this is an internal issue. I can only say this check was handled by myself and the teller who's schedule and name should be easy enough to locate at that bank since there are two women who witnessed her speaking to me. The teller who completed my transactions and the " manager '' she used to represent management that day. I have followed up my local Police Dept and because this all occurred over a holiday weekend things have been moving slowly. but, I need answers. I feel my accounts at both baks have been exposed. Thank you for any assistance you can give me.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Chase Bank sent us an email advising that they would pay us up to {$900.00} for opening new accounts. Restrictions advertised included depositing at least {$15000.00} in savings and keeping that minimum for 90 days, at which time they would pay the bonus. There were also restrictions on the checking account. After we opened the accounts we were advised verbally by the branch manager that while Chase would deposit the {$900.00} in our accounts within 90 days, if we closed the accounts within 6 months they would take back the funds. There is no restriction I can find in their paperwork advising a requirement to keep the accounts open for six months. Furthermore, Chase has advised that they will report the payment to the IRS as interest when it is paid. So in addition to losing the {$900.00}, we will be out the tax on the {$900.00} in interest, none of which has been disclosed in their offer.
Company Response:
State: NC
Zip: 27312
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I upgraded to chase sapphire proffered card to the reserve card on XXXX XXXX. At the time I had XXXX rewards points in my account. I upgraded over the phone and noticed that my points balance was at XXXX. I called customer service and they said it would take 7-10 days to receive the points. After that time I called back and was told the points should have automatically transferred when I upgraded the card. The issue was escalated to a supervisor. I called back two weeks later and spoke to a supervisor who said that my points were transferred to another persons account, that after looking into it it may have been fraud by the representative who upgraded my card. I received a letter XXXX XXXX that the points would be added to my account. It is now XXXX and I have not received my points back. I called back to chase and keep getting the run around and having to explain my issue all over again.
Company Response:
State: CA
Zip: 91770
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XXXX, XXXX, XXXX, the XXXX XXXX XXXX XXXX ruled in my favor to rescind a contract to purchase XXXX XXXX XXXX XXXX whose checking account was with Chase. The order states the following : " Wherefore, default judgment is entered in favor of XXXX XXXX XXXX XXXX and against XXXX XXXX ; the XXXX Purchase Agreement dated XX/XX/XXXX, is.rescinded, the parties are returned to their pre-Stock purchase Agreemert status ''. I have notified Chase about this judgment and sent the judgment to them. As of yet, they have not complied with the Court Order to remove anything to do with this account from my credit record and return the account to XXXX XXXX. I have also filed a declaratory action against Chase in XXXX XXXX Illinois due to their inaciton.
Company Response:
State: IL
Zip: 60502
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I noticed my Chase account had been charged {$16.00} for an Amazon XXXX account for the last 17 months. I didnt notice initially cause I thought it was our Amazon account but my husband informed me that he pays for our Amazon account with his credit card not our debit account. I contacted Amazon for more information and found out it isnt our account at all but I was being charged for it. We checked if friends or family use the account but nothing. I contacted chase and let them know what I discovered. They made claims for all of the money that was taken fraudulently. They informed me today that they wouldnt be returning my money because it was over 60 days old. They would only return 3 payments. I would like the rest of the money that was stolen from my account ; {$220.00}.
Company Response:
State: OH
Zip: 43062
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A