Date Received: 2023-09-12
Issue: Money was not available when promised
Subissue:
Consumer Complaint: chase complaint 3 DAY DELAY IN ELECTRONIC FUND TRANSFERS IN EACH OF 3 TIMES. XXXX I have been having a problem transferring money from XXXX XXXX to CHASE checking account beginning in XX/XX/2023. In each of XXXX instances, dated XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX, funds deposited electronically, which should generally be available by the business day after the banking day they were deposited, were not available until five business days later. This transfer was initiated by me on the Chase site. Each time I scheduled funds to leave my linked XXXX, " XXXX XXXX '' account and arrive in my Checking account at Chase. Hours of calls were met with sympathetic agents, promising to escalate the problem, however the complaint eventually became closed with no resolve. One of Chase 's suggestions was for XXXX to investigate, since they were the sending bank. XXXX did investigate and did get back to me the next day. XXXX 's investigation was complete. They found that after initiation on each of three transactions, the transfer transactions were completed and settled the very next day. I was also informed that the burden of proof regarding the path of the money during the transfers, and why exactly it took five days to accomplish, is strictly on the receiving bank or JPMorgan Chase. I asked Chase multiple times to provide the path of the funds from the 2nd to the 5th day and have not heard back with a satisfactory answer, except possible security measures. Further, was not able to reach the research agent via phone or via security email on two different browsers. It seems that the complaint gets to the " research '' department and is lost. I would like to find out what happened three times to the funds in the past and be assured this will not happen in the future! My last correspondence was with the executive offices. After two more weeks of waiting after speaking to XXXX, I was assured that Chase was operating within the guidelines in the agreement although I asked multiple times at the branch level, at the customer service level and at the executive level, to provide the document referring to timeframes for bank to bank transfers. This was never be provided to me. The only assurance given was the contact information for the executive customer service person I spoke to, XXXX. I was instructed to contact her immediately at the next instance of any sign of trouble. Various Chase case numbers can be provided upon request. XXXX XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Chase XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX contacts XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 07726
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Hello, XXXX promotional offer advertised not fulfilled. I received a letter regarding a review of my XXXX XXXX XXXX credit card for limit increase dated XX/XX/2023. It was stated on the letter that although I met the spend and payment criteria, XXXX credit card services could not raise my credit limit at this time due to the reason that I have past or present delinquent credit obligations with the bank. I find this reason very lame because in the first place, I don't have past or present delinquent credit obligations with XXXX. This is once again another excuse from your bank to not increase my credit limit. I do have instances that I overdrew my checking account, however, it is an authorized transaction from the bank and I made sure that it goes back to a positive state. In terms of my XXXX XXXX XXXX credit card, I have been using it frequently and made on time payments since day XXXX of being approved. This bank makes many excuses and tactics to not increase customer 's credit limit even though the customer has met the criteria to be eligible for XXXX. At least XXXX should be considerate at this time and I find it very disappointing, unfair and ridiculous.
Company Response:
State: NY
Zip: 10034
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: My phone, wallet with my debit card and credit cards, drivers license was stolen from me on XX/XX/XXXX in XXXX XXXX. When I arrived back to United States on XX/XX/XXXX I made claims over the phone to chase that included unauthorized charges. After their investigation they are claiming I made the purchases and denied my claim. They are unwilling to help me further. The unauthorized transactions occurred on XX/XX/XXXX. XXXX chase XXXX payments. XXXX of {$200.00} and another of {$220.00}. My mother called chase to freeze my account while I was in XXXX because the people who stole everything from me had access to my phone and my personal information they had access to everything. XXXX was unwilling to help until my account went negative and I wasnt answering my phone calls ( because my phone was stolen ). I had to get everything replaced all my cards and debit and unfreeze my account and they still claim it was me. I need help please.
Company Response:
State: CA
Zip: 92336
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I don't have account
Company Response:
State: NY
Zip: 11373
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: A credit card application was submitted on my behalf without my knowledge or consent with Chase Bank for a Saphire Credit Card. I did not provide my social or any of my personal information to anyone. This is fraud.
Company Response:
State: UT
Zip: 84015
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/XXXX I opened a checking and savings account with Chase bank. I received an email offer stating that if you open a checking account and set up direct deposit, as well as a savings account and deposit {$15000.00} in *new money, you can receive up to a {$600.00} bonus. After reading the terms of the bonus, I opened both a checking and savings account online. On XX/XX/XXXX I used mobile check deposit to deposit a cashiers check in the amount of {$7500.00} into my Chase bank savings account. Due to my account being new and the check being large there was a hold placed on the check. I received an email notice stating that the funds would be held until XX/XX/XXXX and made available to me on the XXXX. I then received a letter in the mail dated XX/XX/XXXX, saying that my accounts were restricted and would possibly be closed due to possible suspicious activity. I called the customer service on XX/XX/XXXX to speak to a representative regarding the issue. I was told my account was restricted and they would submit a request to have the account unrestricted. While on the phone, the representative also called the bank the cashiers check was written on to verify the funds. The bank verified that the funds were released on XX/XX/XXXX. I was told that my account would be unrestricted and would have access to my funds. On XX/XX/XXXX, I had a direct deposit from my employer of {$100.00} deposited into the checking account and {$100.00} direct deposited into my savings account. I called back on the XXXX of XXXX to speak to a representative who told me that my accounts were still restricted and that even though the funds were verified on the XXXX they would not release my funds and were in a restricted Chase bank account and that I would not have access to them. I spoke to a manger and was told on the XXXX that she was going to unrestrict my account and I would have access to my funds on the XXXX of XXXX. When logging into my account online on the XXXX, I noticed my checking account had been closed, and my savings account was overdrawn {$100.00} due to bank error. I called and spoke to a representative on XX/XX/XXXX who would not help me and then spoke to a manager who told me that he would have to request my account be reopened and then request for the {$7600.00} back from my savings account. I was told this would take up to XXXX business days and he would give me a call back Monday to update me on the status of this. I did not receive a call Monday and my accounts were not opened Monday. On Tuesday, the XXXX my accounts were reopened, however my savings account was at a XXXX balance. I called a representative and they said the original request for the {$7600.00} was never placed and that he would submit the request and that it would take XXXX minutes and I would see my funds. I called back XXXX hours and spoke to another representative and a manager would then told me that was incorrect and that it could take up to XXXX business days. Chase bank has had countless bank errors and representatives who have not followed regulations and withheld my funds with no solution in sight.
Company Response:
State: MO
Zip: 648XX
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened a new account at XXXX XXXX. I deposited a check from my Chase account, for the full balance of the Chase account, into my new XXXX XXXX account. I looked online next day and both banks acknowledged the check deposit. The following day I informed Chase that I will be closing my account. Out of spite from losing my business, they failed to honor the check even though the money was in the account. They are trying to make me unbankable, as XXXX XXXX closed the account due to the bounced check.
Company Response:
State: NY
Zip: 10562
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My Chase Bank mortgage obligation was discharged under XXXX XXXX bankruptcy XXXX XXXXmy credit report is showing balance due & late payment history 7 years from original delinquency date..creditor is in violation of fair credit reporting act & subjects the mortgage lender too legal liability
Company Response:
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: We were contacted by a telemarketer via phone stating that they were calling from XXXX XXXX XXXX which we are members of, with promotions to book our stay at XXXX XXXX. We were looking for a trip for our daughter who is turning XXXX. We went ahead and booked from XXXX with a total cost of {$3600.00} + {$50.00} bank fees, flights included. We have emails back and forth with promotion, total cost and requesting payment. When attempting to make the payment with our traveling credit card, payment was declined but because chase does that to us more often than not when its international we didnt think much of it. They asked us to wire the money to reserve our flight and stay. Yesterday XX/XX/XXXX at around XXXX we stopped at chase to complete the wire. Today XX/XX/XXXX in the morning, I saw an email from XXXXXXXX XXXX XXXX alerting us of suspicious and/or fraudulent activity. I decided to call and confirm that we had indeed made reservations. Unfortunately I came to find out that it was in fact a fraud. We immediately reached out to chase to let them know about the fraud. Receipt showed that funds wouldnt be wired until today XX/XX/XXXX and available until XX/XX/XXXX. Per chase, all they can do is send the bank in XXXX a letter notifying them of the fraud but advised us that money was basically lost. We also contact the bank in XXXX and made them aware of this issue. Information below is where fund were wired INFORMACION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached screenshots of email with information in regards to our supposed reservation
Company Response:
State: CA
Zip: 92407
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: My identity was stolen and someone opened a charge card in my name with Chase. I spoke to them several times letting them know it was fraud. They told me initially they were resolving the issue and closing the account. I kept receiving emails regarding amount due for those charges. I closed my checking account with my bank and they reimbursed the amount charged by Chase. Chase has not performed what they said they would and ignore my fraud complaint.
Company Response:
State: NC
Zip: 27217
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A