Date Received: 2023-09-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX at the Chase main bank building in XXXX, XXXX XXXX XXXX XXXX, I tried to do a cash withdrawal for a small amount of money. A person was operating the ATM next to me, and told me he " was just checking the ATM 's '' and said " excuse me I just want to see if the scanner is working on your ATM. '' He was wearing an orange safety belt and was holding a stack of bills in his hand and had checks in his other hand. I thought he was working for the bank. He punched the deposit button on my screen, and the deposit scanner started, and he slipped a check into my ATM. {$850.00} came up as the deposit. I told him he just put money into my account that did not belong to me. He tells me " Don't worry, I am going to take that check back if you allow me one second. '' He then punches the Get Cash button and punches in {$850.00}. I immediately hit the Cancel button and pulled my card out of the ATM. He tells me " I am not trying to cheat you, man. '' I said no way, I am not giving you cash for that check. He leaves and I went across the street to call Chase. Chase did not know what to do when I told them this. The check did bounce, and they agreed to not charge me the {$850.00}, but then days later changed their minds and charged me the {$850.00} that I DID NOT TAKE OUT. I know I did not take out the {$850.00} and the transaction was cancelled at that point. Nobody got any money. I need help in getting Chase to either show me the video of us getting money or to refund the {$850.00} charge against my account. I had been in contact with many Chase phone employees, who listened to my account of the incident, and they did agree to review the incident. The check did bounce, as I knew it would, but I was happy they did not initially charge me {$850.00}. But days later i was notified by mail that they reversed their decision with no reason given. Help me to get this {$850.00} back please.
Company Response:
State: IL
Zip: 60632
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: After strongly encouraging customers to use online banking services rather than banking at physical branches, JPMorgan Chase has more recently begun trying to entice customers to go paperless ( i.e., to receive all of their communications, such as monthly statements, online only ). I have always tried to decline that option, but Chase makes it very difficult to do so. Recently, Chase has taken its attempts to force paperless on its customers to a new level. Specifically, when I signed on to my account several days ago, I was greeted by a screen that required me to accept Chases Online Electronic Disclosure and Consent and its Digital Services Agreement BEFORE I could access my bank accounts- checking and savings - or my credit accounts. Moreover, one of those documents was 10 pages long ; the other was 125 PAGES! Which I was apparently expected to review in a 5-inch phone screen. Its unfair, deceptive and abusive to advertise the ease and safety of electronic accounts while enticing people to sign away important rights they would have in a non-electronic environment, especially since Chase has knowingly fashioned the signup process such that not one in a hundred reasonable consumers will read - or understand - whats happening. And, if a customer chooses not to agree to this surprising, one-sided and completely non-negotiable agreement, what then? Does the customer have any recourse other than to periodically appear at a brick and mortar branch - which Chase has been actively discouraging its customers to do for years - and request a transcript of their accounts? Indeed, a customer who previously consented to paperless delivery can not even access their account to rescind that consent in order to receive the agreement by mail, at least not without first agreeing to the terms of Chases 125 page agreement. How is this fair? Or ethical? Or even legal? This is especially frustrating because, after being hacked many years ago, the banks fraud prevention officer advised me to check my account - every day- to help identify and prevent fraudulent activities. And, for the most part, I have done so. Until now. These types of sharp business practices, which inure entirely to the benefit of the bank, should not be tolerated.
Company Response:
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I had booked the tickets to go to XXXX was been told by travel agent that payment will be done in 3 separate transactions to 3 different airlines XXXX, XXXX and XXXX XXXX One of the payments were pending so travel agent gave me one way ticket and said once the payment is cleared Ill get the return ticket as well But same day I got and email from XXXX XXXX The airline we were supposed to fly with They said we are canceling your ticket due to some fraud activity After that I contacted the travel agent to ask why was the tickets canceled they said its because of the one payment still pending Couple of days later travel agent said that they have refunded my money so ask the bank to dispute the payment Bank saying we cant dispute the payment we need the proof from travel agent that they have refunded the money I cant get in contact with travel agents at all They have blocked my number and not answering at all The card I used was chase bank card And travel agent they called XXXX XXXX XXXX XXXX
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: At the time of my application for the Chase Freedom Unlimited Credit Card, the advertised rewards promotion was " Earn a {$200.00} bonus after you spend {$500.00} on purchases in the first 3 months from account opening ''. The fine print clearly stated that this welcome offer was { and still is } available to all new card members if you do not have this card and have not received a new card member bonus for this card in the past 24 months. I have never had a Chase credit card so I met the XXXX requirements for this promotion. After being approved for the card I spent {$8000.00} in the first 3 months and noticed I never received my {$200.00} per the advertised promotion. After many communications back and forth with Chase representatives the following information was disclosed. Although the advertised promotion on my computer screen the day I applied was " Earn a {$200.00} bonus after you spend {$500.00} on purchases in the first 3 months from account opening '' Chase determined I was not eligible for the promotion, and proceeded to apply an inferior promotion to my account, that inferior promotion equates to earning {$7.00} when I spend {$500.00}. I have asked for the reason why I was determined ineligible for the advertised promotion the day I applied and Chase has refused to disclose that. I have pointed out that per the advertised promotions ' terms and conditions, the practices they have used for me are illegal. They engaged in bait-and-switch advertising to entice me to apply for their credit card just to give me a less favorable offer. They also used false advertising because the offer and the offer 's terms and conditions clearly stated this offer is available to all " NEW customers that have not had a Chase credit card the prior 24 months. I was a new Chase customer at the time I applied. I also applied for the credit card through the welcome offer advertisement as the terms and conditions suggested. Lastly, my denial of the advertised offer is in violation of the Equal Credit Opportunity Act. I have asked Chase to prove it was not in violation of the act and they simply requested I trust it was not. I do not trust anything this company has stated. I want to know the specifics behind my not being approved for the {$200.00} welcome offer and then the lesser offer being applied.
Company Response:
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: This company is destroying my credit. I've paid off my debt early and closed account. My credit score was XXXX and now XXXX within a few months. This company is now continuing to send me many offers in which I've declined. I've never had this happen in my entire adult life. Credit being destroyed for paying off early and a " No payment due '' every due date of payment. Employment information is very outdated and incorrect. I'm retired now and being punished for this company 's horrific work ethics. Sad, sad, sad. Thirty years behind on my current employment, home ownership. I've never very been late on any of my bills, loans, credit payments, etc.in my entire adult life.
Company Response:
State: GA
Zip: 31088
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open consumer credit plan as late for any purpose. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT 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 Payments missed reported Different Account XXXX XXXXXXXX : ( XXXX - XXXX, XXXX, XXXX ) - 3 payments missed reported JPMCB - CARD SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX ( XXXX ) XXXX JPMCB - CARD SERVICE : ( XXXX - XXXX, XXXX ) - 2 payments missed reported XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX : ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - 2 payments missed reported
Company Response:
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: CHASE BANK CHECKING ACCOUNT BALANCE, Ending Amount {$1800.00} XXXXPresent CHASE BANK processed and released my funds making funds available in my account and then took the funds back and blocked my account not allowing me to withdraw the amount of {$1800.00} that was available in my account. I Called to request a release of funds Unsuccessful attempts to claim ending balance From CHASE BANK
Company Response:
State: CA
Zip: 92354
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Set-up automatic payment with Chase Bank credit card. However, I just now realized that they have been charging lates fees each month for years despite being charged for automatic payments on time.
Company Response:
State: ID
Zip: 83702
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I checked my credit because I recently started paying on my student loans then I noticed and unknown address and multiple hard inquiries on my account that are fraud and are not me. The inquiries are : XXXX JPMCB Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB Card 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 JPMCB Auto 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 There are multiple soft inquiries and a few unknown addresses Ive never been associated with.
Company Response:
State: WA
Zip: 98466
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Application denials
Consumer Complaint: I am writing to file a formal complaint against Chase Mortgage regarding their refusal to provide manual underwriting for FHA mortgage loans, specifically under the bankruptcy rule of less than 2 years but greater than 1 year. Despite my eligibility under the Federal Housing Administration ( FHA ) guidelines, Chase Mortgage has stated that they do not offer manual underwriting for such cases. As a responsible borrower who has taken necessary steps to recover financially after a bankruptcy, I have relied on the FHA 's favorable guidelines to secure a mortgage loan. According to FHA guidelines, borrowers who have experienced a bankruptcy but have demonstrated financial responsibility for at least one year after the bankruptcy discharge should be eligible for manual underwriting. This provision allows borrowers to present their case for loan approval based on their current financial standing, rather than solely relying on their credit score or traditional underwriting. However, despite meeting the required criteria, Chase Mortgage has refused to consider my application for manual underwriting under this rule. Their refusal indicates a departure from FHA guidelines and shows a lack of commitment to providing fair and inclusive access to mortgage financing. I believe that Chase Mortgage 's failure to offer manual underwriting for FHA mortgage loans under this specific bankruptcy provision is discriminatory and may potentially infringe upon the principles of equal opportunity and fair lending. By denying qualified applicants an opportunity to present their case through manual underwriting, Chase Mortgage is hindering their access to homeownership and contributing to further financial exclusion. I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Chase Mortgage if found in violation of FHA guidelines or engaging in unfair lending practices. Furthermore, I urge you to ensure that Chase Mortgage reviews its policies and procedures to align with FHA guidelines, guaranteeing fair treatment and equal opportunity for borrowers recovering from bankruptcy. If there is any additional information needed to assist with the investigation, I am more than willing to provide any necessary documentation or details to support my case. I trust the Consumer Financial Protection Bureau 's commitment to consumer protection and fair lending and request your prompt attention to this matter. Thank you for your attention to this complaint, and I look forward to a resolution that promotes fair lending practices within the mortgage industry.
Company Response:
State: VA
Zip: 23225
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A