Date Received: 2023-09-09
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX My first Social Security check for {$970.00} was sent to a closed account at Chase bank, that I closed due to fraud activity on the checking account ending in XXXX. Chase bank kept the funds and never refunded me, due to a balance that was from the fraudulent activity. Social Security sent the funds to the wrong account. Chase bank refused to release the funds back to me, knowing I filed with them my account was closed due to this activity. On XX/XX/XXXX, Social Security, once again, sent the funds of {$1000.00} to Chase bank, in which they took {$220.00}, from my Social security, stating that, there was a past due balance on the account, and sent me a check for {$830.00}, without any reason for the deduction, and refuse to send me the funds. It is my understanding, that Social security is a Proctective payment from any creditors and debt collectors as long you receive them via direct deposit to your bank account. per SSR 79-4 Section 207, 452 ( b ) ,459 and 462 ( f ) ( 42 U.S.C 407,652 ( b ), Levy and Garnishment of Benefits. I never was sued or had a court order for payment of any balances owed to Chase bank. This action came from Chase bank collection department. I am seeking {$1200.00} to be return to me immediately, and punitive damages of the same amount.
Company Response:
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have a chase account XXXX XXXX XXXX XXXX I on Friday XX/XX/2023 sent XXXX XXXX by XXXX through my chase account. I then again sent XXXX to the same company again. Out of protection Chase bank locked my account. I had no issues with chase protecting my account. I then went through the procedures of verifying myself since my phone number wasnt accessible by text. I completed the verification process and was then transferred to fraud online. While on the phone with XXXX the online fraud specialist for chase..she informed me that my account was just being protected and would be opened. I then Hung up and waited. I knew things just dont work immediately so I gave chase time. After a few hours a called back because my account was still locked. I spoke with an associate named XXXX who I explained the process I had went through after having to give my verification again I was not happy at all I proceeded to ask the representative XXXX if I may speak to a supervisor to give my verification to since the representatives werent assisting me appropriately XXXX XXXX proceeded to overtalk me, denied me a supervisor and then hung up the phone while still leaving my account locked.
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My tax returns went to another account at Chase Bank, they have recognized and acknowledge this but has done nothing to return my funds as they said they will. there was a partial investigation and it revealed that the account names didn't match but for some reason instead of returning the checks to the IRS they let the funds pass to this unknown person. I don't know who this person is but Chase bank does. For the last couple of years they have been giving me the run around by getting Police reports, letters and even contacting there escalation department and going thru circles. From my understanding this person may still be receiving funds that were meant for me. I know Bank rules if account name doesn't match then those funds are suppose to be returned to sender. Chase bank failed in its fiduciary duty and knowingly allowed someone else to receive money that they knew was not theres and Chase is protecting this person which I can not understand
Company Response:
State: IL
Zip: 60108
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have asked for proof that they are allowed to mark me late on my open end consumer credit plan per the following federal laws ; 12 CFR 1026.13 - Billing error resolution. ( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan. ( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8. ( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed. ( 4 ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account. ( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor. ( 6 ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence. ( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required. ( b ) Billing error notice. A billing error notice is a written notice from a consumer that : ( 1 ) Is received by a creditor at the address disclosed under 1026.7 ( a ) ( 9 ) or ( b ) ( 9 ), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error ; ( 2 ) Enables the creditor to identify the consumer 's name and account number; and ( 3 ) To the extent possible, indicates the consumer 's belief and the reasons for the belief that a billing error exists, and the type, date, and amount of the error. ( c ) Time for resolution ; general procedures. ( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice. ( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date. ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. ( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. ( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section. ( e ) Procedures if billing error occurred as asserted. If a creditor determines that a billing error occurred as asserted, it shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer. ( f ) Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and ( 3 ) If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable. ( g ) Creditor 's rights and duties after resolution. If a creditor, after complying with all of the requirements of this section, determines that a consumer owes all or part of the disputed amount and related finance or other charges, the creditor : ( 1 ) Shall promptly notify the consumer in writing of the time when payment is due and the portion of the disputed amount and related finance or other charges that the consumer still owes ; ( 2 ) Shall allow any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable, during which the consumer can pay the amount due under paragraph ( g ) ( 1 ) of this section without incurring additional finance or other charges ; ( 3 ) May report an account or amount as delinquent because the amount due under paragraph ( g ) ( 1 ) of this section remains unpaid after the creditor has allowed any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable or 10 days ( whichever is longer ) during which the consumer can pay the amount ; but ( 4 ) May not report that an amount or account is delinquent because the amount due under paragraph ( g ) ( 1 ) of the section remains unpaid, if the creditor receives ( within the time allowed for payment in paragraph ( g ) ( 3 ) of this section ) further written notice from the consumer that any portion of the billing error is still in dispute, unless the creditor also : ( i ) Promptly reports that the amount or account is in dispute ; ( ii ) Mails or delivers to the consumer ( at the same time the report is made ) a written notice of the name and address of each person to whom the creditor makes a report ; and ( iii ) Promptly reports any subsequent resolution of the reported delinquency to all persons to whom the creditor has made a report. ( h ) Reassertion of billing error. A creditor that has fully complied with the requirements of this section has no further responsibilities under this section ( other than as provided in paragraph ( g ) ( 4 ) of this section ) if a consumer reasserts substantially the same billing error. ( i ) Relation to Electronic Fund Transfer Act and Regulation E. A creditor shall comply with the requirements of Regulation E, 12 CFR 1005.11, and 1005.18 ( e ) as applicable, governing error resolution rather than those of paragraphs ( a ), ( b ), ( c ), ( e ), ( f ), and ( h ) of this section if : ( 1 ) Except with respect to a prepaid account as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs under an agreement between the consumer and a financial institution to extend credit when the consumer 's account is overdrawn or to maintain a specified minimum balance in the consumer 's account ; or ( 2 ) With regard to a covered separate credit feature and an asset feature of a prepaid account where both are accessible by a hybrid prepaid-credit card as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs when the hybrid prepaid-credit card accesses both funds in the asset feature of the prepaid account and a credit extension from the credit feature with respect to a particular transaction. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Company Response:
State: PA
Zip: 187XX
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Chase indicated that they had no information on the opening of the account the emails I received had the last 4 digits of the card and I was told there was no such card. I would like to get the hard inquiry off of my credit
Company Response:
State: OH
Zip: 448XX
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I received an email from Chase.com saying an account was open in my name. We called the number they provided. They needed to verify it was me and I gave them my social and date of birth. They were then fishing for more information and we realized what just happened and hung up, but I feel the damage is already done.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XXXX XX/XX/23, I received a text message at XXXX XXXX from Chase asking if I had made purchases at a XXXX and XXXX XXXX in XXXX, TX using my debit card. I had not as I reside in NY, and replied " No '' to the text message. I immediately received a call from someone claiming to be XXXX XXXX from Chase. During this call, he walked me through the fraudulent charges, and then mentioned a wire transfer for {$19000.00} to a XXXX XXXX account. I told him it was not me who initiated this. After this call, I received a fraud notification text message from XXXX noting the {$19000.00} wire transfer to a XXXX XXXX account. {$15000.00} was moved from my Chase savings account to my Chase checking account, then a {$19000.00} wire transfer was made to the XXXX XXXX account. I immediately called the Chase fraud department to report the wire transfer. They took all of the information about the previous text message and call and filed a claim. On XXXX XX/XX/23, I went into a Chase branch at XXXX to discuss the fraud with a XXXX XXXX XXXX. I met with XXXX XXXX of the XXXX XXXX XXXX XXXX, XXXX XXXX, NY branch. He helped change both my checking and savings account numbers and confirmed the fraud claim. He recommended filing a police report, which I did that same evening at the XXXX XXXX Police Department 's First Precinct. On XXXX XX/XX/23, I received a letter to my Chase account denying the fraud claim. The message read " We are denying your claim because we determined that the item ( s ) being disputed were authorized or you received benefit from the item ( s ). We will not reimburse your account. ''
Company Response:
State: NY
Zip: 11510
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: JPMORGAN CHASE Slashed almost all of my limit on my FREEDOM card stated that a periodic review my my credit tempted them to take the action and even though i immediately paid off all my debt they wanted to make hard inquiries on my credit before making a a decision to reinstate
Company Response:
State: VA
Zip: 20169
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I already pay for my charges off with chase bank for both my accounts that I was charge off for. They agree to remove it off my account and its still showing up on my credit report.
Company Response:
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I have XXXX in investment account and I want my money back! They cant take someone money bc my checking account got restricted. They said they wont give my money back because of my checking what have nothing to do with my investment.
Company Response:
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A