Date Received: 2023-08-28
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: A letter was sent to me about 2 weeks ago from Chase credit card stating that someone one has filed a credit card ( CHASE FREEDOM Visa Signature ) under my name and using my Social Security Number and they wanted me to call them to verify it was me who filed the application. So I called them up and said that it wasn't me who filed the application thus it may be ID theft. So Chase took the appropriate actions toward this incident and also sent me another letter stating on how to prevent ID theft in the future. Some the actions that I took include placing a credit freeze and placing a credit alert in all the major 3 credit agencies.
Company Response:
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited my homeowner 's insurance check from my claim from hurricane Ida, into my savings account on XX/XX/, at the local branch. I was told that the fund will be released on XX/XX/XXXX XXXX XXXX On Friday, XXXX XXXX I noticed my account was restricted I couldn't use my debit card. I couldn't withdraw or deposit money into my account. I called Chase on the phone and was told that the check that I deposited was fraud. I spent 2 hours on the phone while they investigated me as if I were a criminal. They asked so many questions I had to give them my lawyer 's number to speak with them. I was told that the check was clear from XXXX XXXX but they still were holding it as fraud. I feel like they did that to me because of the color of my skin and the amount of the check. To This day the check is still on hold.
Company Response:
State: LA
Zip: 70131
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On the XXXX, I use a online realtime transfer to send {$2800.00} to my XXXX XXXX XXXX XXXX XXXX, and the money never arrive destination. XXXX XXXX XXXX is merged to XXXX XXXX now, I called XXXX XXXX many times, they insist Chase bank need to start dispute, there's nothing XXXX XXXX can do. And Chase bank also confirm everything is correct on their side, and not willing to start an investigation or dispute.
Company Response:
State: CA
Zip: 928XX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was working all day Saturday XXXX XXXX. I get home and realize that my card was lost and all my account was cleared out. There was 3 {$200.00} XXXX XXXX transactions and 1 {$130.00} XXXX transaction. There was 1 {$2000.00} XXXX transfer as well. Never once did I receive an email or text if it was me, either from my bank or from XXXX These transactions were made to people whom I do not know. I was working all day and did leave my phone unattended a couple of times but I dont think anyone would enter my phone, I do have my passwords saved on here but dont think someone would do that. Chase bank states I might have lost that money and I feel horrible as I did not make these transactions. Chase needs to do something and be better at protecting their customers. Now I have no idea if my info is known by someone else.
Company Response:
State: IL
Zip: 60623
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I got email notification from XXXX XXXX XXXXXXXX and Chase Bank that they were notified by a Third Party that because of Fraud and Theft that my account was being closed. I asked them to provide information from Third Party that provided the information. Neither organization has provided the information : XXXX XXXX -Closed total of 4 accounts- XXXX XXXX XXXX XXXX Chase- added me as a Authorized User and the account is a Single account under only my name. Also, reporting that the credit line was {$5700.00} and I went {$10000.00} over the limited.
Company Response:
State: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: All documents will be attached. To summarize : I received replicated Chase " alerts '' from criminals inquiring about various charges, which I did not make. I responded " no, '' whereupon fraudsters texted back ( all nearly precise replications of Chase alerts received in the past ) that " a Chase rep '' would call shortly. Fraudster stating he represented Chase and would work with me to reverse the bogus charges, but instead created a " wire template '' and made XXXX wires out-of-state, liquidating my checking account of {$110000.00}. - cash being accumulated in connection with upcoming daughter 's wedding and my mother 's funeral ( my mother, as expected passed away a few days later - see death notice ). After the call was concluded, I immediately noted the fraud and my wife and I rushed to the Chase XXXX XXXX branch XXXX. ALL XXXX WIRES WERE MARKED " PENDING. '' XXXX registered fraud complaint and froze account. Wires were marked pending on my Chase App through that night. We were then informed a day later that the wires were claimed. On XXXX XX/XX/16, in the presence of my wife and me, the manager, XXXX XXXX XXXX, was informed buy the fraud department that our funds would be returned to our account within 2 days. Instead, 2 days later, we received a defamatory letter ( attached ) stating that we either " benefitted from this fraud, '' or " authorized it. '' Furthermore, a Chase representative suggested that I had an interest in the XXXX accounts to which the funds were wired ( I have never in my life had any account with XXXX ). We remain in limbo. These funds are essential and have been saved for my daughter 's wedding. I would like to note that I am a XXXXregulated employee at my place of employment AND a Chase private client. Aside from Chase 's failure to make me whole, the treatment and the inability to reach anyone of substance to deal with my case other than the branch manager is wholly unacceptable.
Company Response:
State: NY
Zip: 110XX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I received my trust fund funds from XXXX on XX/XX/XXXX and deposited the funds into a new account with chase. They released the money on XX/XX/XXXX but on XX/XX/XXXX they froze my account with the XXXX In it. I went to the bank several times and gave them the XXXX contact number of which they refused to utilize. They closed my account XX/XX/XXXX and stated they didn't have the money as it never cleared. I got confirmation from XXXX that the check had indeed been cashed by chase bank. I took a copy of the proof to them on XX/XX/XXXX and they are now refusing to talk to me or the people at XXXX.
Company Response:
State: CA
Zip: 93611
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Between XX/XX/2023 and XX/XX/2023, an inquiry made by XXXX CARD SERVICES was added to your credit report. I have not applied for a credit card with this or any other company. This is incorrect and not me. Please remove from my credit report.
Company Response:
State: MO
Zip: 650XX
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Chase bank had defined me a credit card through amazon. this card was automatically canceled if it was not used for 6 months. Amazon had provided us with these cards by committing in this way. I did not check my mail constantly because I had to work abroad due to the pandemic. But 6 months ago I received a notification from chase bank. Normally, cards that are not traded are closed in 6 months, but we did not close yours. then a continuously operated fee was reflected on this card. I called amazon and reported the issue. They asked me to contact the bank. I contacted Chase bank and they said it was a mistake and it should be closed and they closed my account. however, in the e-mail sent to me after the account was closed, it was stated that the account was closed due to fraud. They ruined my credit score and tried to cover up their own mistakes by committing fraud. Moreover, they informed me that I should call the intermediary credit rating classification companies such as XXXX XXXX, XXXX XXXX to clean it up. This is definitely not a case of fraud. it is a case of keeping the credit card open, which they themselves should have closed, and as a result of keeping it open, reflecting a fee by saying that the rules have changed. who could have given them the right to spoil my credit score so easily. please help me with the issue.
Company Response:
State: NY
Zip: 11104
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX I sent a man named XXXX {$1200.00} in exchange for a bundle of clothes. I never received this bundle. After a couple weeks of purchasing this bundle, and nothing has showed up, I contacted him to ask where it was. He claimed he had shipped it with XXXX, but when I ran the tracking number, he gave me the XXXX system told me that this number did not exist. I kept contacting him to ask for any updates, but eventually he stopped responding. I went into my bank, which is Chase and asked if they could do anything and they said that they would contact XXXX but theres pretty much nothing they could do.
Company Response:
State: CA
Zip: 95020
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A