Date Received: 2023-08-25
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My checking account with JP Morgan Chase Bank has received {$30000.00} wire transfer on XX/XX/2023. Then the sender accidentally disputed that wire transfer with his bank, XXXX XXXX, on XX/XX/2023. According to him, he realized that he disputed the wrong WIRE transfer and he cancelled his recall request on XX/XX/2023 and XXXX XXXX ( his bank ) closed the case. However, my bank, JP Morgan Chase, out of nothing, restricted my account on XX/XX/2023 due to this WIRE dispute and set closure. JP Morgan Chase Bank wrongfully restricted and closed my account on XX/XX/2023. XXXX XXXX even sent a second message on XX/XX/2023, saying that the WIRE transfer was approved, legitimate and not a fraud. XXXX XXXX basially cancelled their recall, again, on XX/XX/2023. JP Morgan Chase bank has returned the remaining balance in my account as cashier check on XX/XX/2023 but they are still holding {$30000.00} and giving me no update, nothing. As a matter of fact, I couldn't pay my bill due to sudden account restriction and paid penalty fees all over.
Company Response:
State: GA
Zip: 30062
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act Chase Account XXXX XXXXXXXX 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 an account without my written instructions. 15 U.S. Code 1681a-Definitions ; rules of construction-Exclusions. Except as provided in paragraph the term consumer report does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: FL
Zip: 32808
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I am the co-owner of a Chase account ending in XXXX with my XXXX child. On XX/XX/XXXX there were 6 unauthorized XXXX charges taken from my daughters account for {$2.00}, {$2.00}, {$2.00}, {$50.00}, {$50.00} and {$50.00}. All charges were payable to XXXX XXXX in XXXX Florida. My daughter was at work on XX/XX/XXXX in XXXX, California and she did not make these charges. My daughter immediately filed a claim and had her debit card closed as soon as she saw these charges. I received a letter from Chase dated XX/XX/XXXX that states the claim was denied due to the same token ID and apple pay being used. Thats a LIE! My daughter did not authorize these charges and her apple pay was not used. Please see the attached picture of her XXXX XXXX transactions on XX/XX/. Chase can tell from the way the transactions were done that this fraud. It follows a fraud pattern with them testing the account with three small {$2.00} transactions and then three larger transactions for {$50.00}. I demand that this claim being paid immediately.
Company Response:
State: CA
Zip: 91103
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023, at about XXXX, I received a call from Chase bank ( it appeared as such in the caller ID ). They said that there was someone making fraudulent wire transfers from my bank accounts and that I needed to do a wire reversal to make sure the funds were not taken from my account. There were two men that I spoke to and the second man told me to wire {$3600.00} to myself with a specific name ( Reversal to *my name* ). After these steps were completed, they told me that they were going to investigate further, so don't go into the Chase mobile app or accounts for 24 hours and that I would receive a call at XXXX the XXXX XXXX. I did not receive that call and when I looked in my Chase mobile app, my money had been taken. I filed the the necessary complaints to Chase Bank over the phone and person and they are currently attempting to reclaim my funds. My issue is that the money was wired to a XXXX XXXX bank account and I don't have a XXXX XXXX bank account ( the name would have to match the account ) and I wired the money to myself according to their instructions, but I don't understand how the money was allowed to go through without a real verification by Chase 's wire research team. I received no calls or texts about the wire transfer and ultimately, although they say they will attempt to get my money back, I feel violated and my trust in Chase has been affected.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My ex girlfriend, without permission opened a account with Chase Bank, a credit card that she maxed out to over {$18000.00}. Chase notified me of the amount and the card being maxed out and also that the address and personal information once transferred from my personal information to my ex girlfriends information. Even with all this evidence that my ex girlfriend was making payments from her accounts to the credit card and that her personal home address, phone number and email address was attached to the account, Chase Bank made me responsible for it, and to add salt to the wound, they made me pay at a XXXX APR for this card, that I have never used in any way shape or form. From the beginning I tried working with the fraud division and other sections of Chase to reflect that I did not open this credit card of my own desire, I was tricked to sign the paperwork for it. And again they made me aware that my ex girlfriend personal information was attached to The billing information of this card.
Company Response:
State: MD
Zip: 20601
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: XX/XX/XXXX credit card paid in full {$1400.00}. This was paid prior to the due date which was scheduled to be paid on XX/XX/XXXX.
Company Response:
State: OH
Zip: 44240
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Repossession
Subissue: Voluntary repossession
Consumer Complaint: my nephew went to a XXXX dealer and was buying car he put down payment down and was denied the loan said he needed a cosigner so im the uncle and i cosign but later i found out he wasnt owner i was and he was cosigner i told the finance lady that i only receive XXXX a month from social security i have done some investgating and found out my income was inflated to over XXXX a month plus the lender is sending me all paperwork in the mean time my nephew has done a volntary go back he still has it the loan company has close the case and the dealer fired the fiance person i told the loan company the dealer defraud you about my income with payments and down payments my nephew stands to lose about XXXX dollars dealer wants to pay off the loan and give him XXXX to XXXX off a new vehelcle he told me inflating my income on loan doc mean nothing i said yes it does thats fraud i dont get it loan company close account nothing happans to dealer and either me or my nephew has to pay difference on what they get outta it and dealer gets by with it something is very fishie about this loan papers were sign at his job site not dealer and she said she mess contract up so im confused if i did it to them they would sue the me for everything i got
Company Response:
State: OH
Zip: 43160
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: On XX/XX/2021, We had a house fire in our primary residence. Money has been released from the Insurance company and we were forced to send the entire balance to Chase Mortgage. The money is not actually their money as the insurance company provided it to us to re build the house. We are are in process but Chase keeps withholding funds. We have provided bills for completed projects, contractors have called for payment of completed projects but Chase continues to hold and not release money. The insurance company is still holding {$80000.00} in reserve. Chase has {$100000.00} Held but will only release when they say we have completed the project of rebuilding. I can not rebuild the house if I do not have money to pay for the reconstruction so when they give us some planned inspection which they send some kid out to take photos and estimate completion percentage and then deny us money so I can not pay contractors I can not get any work done. So we end up in a never ending cycle of a hold pattern. I have not missed a single payment on the house, Construction is in process and Chase continues to withhold money. I need the money released.
Company Response:
State: OH
Zip: 43221
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: THANK YOU FOR ALL THE HELP PROVIDE I made a despute with my XXXX XXXX and Chase Bank denied refund. XXXX and I are on good grounds in as much as I had the XXXX during that period. THANK YOU FOR ALL THE HELP YOU PROVIDE. XXXX XXXX XXXX XXXX phone XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX XXXXXXXX -- Agent XXXXXXXX XXXX XXXX XXXX XXXX XXXX WWW.CHASEBANK.COM BANK SAID Your XXXX order would be cancelled. DATE XXXX XX/XX/2023 I ASKED CHASE BANk HOW MUCh WAS NEEDED TO PREVENT THE CANCELLATION. THEIR STATMENT WAS XXXX XXXXXXXX HAD MONEY IN THE BANK FOR {$330.00}. This amount was enough to cover the items due to be cancelled. {$330.00} was enough to pay all items. I PUT THE MONEY IN THE CHASE BANK IT ARRIVED XX/XX/XXXX AT XXXX XXXX AND THIS WAS MADE 4 DAYS PRIOR To XX/XX/XXXX. This gave them- 4 banking days- to use the money and close the account. the CHASE BANK required 3 to 2 days to complete this action. CHASE BANK -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Account ending in : XXXX THIS IS THESE STATEMENT FROM CHASE BANK FOR THE Payment amount : {$330.00} MONEY THAT I PUT TO THE ACCOUNT. THE ITEM THAT Effective date : XX/XX/2023 THAT XXXX IS THE XX/XX/XXXX AT XXXXXXXX XXXX Payment authorized on : XX/XX/2023 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- THERE IS -- 4 -- FULL DAYS BEFORE THE DATE OF CANCELLATION. THEY DID NOT PAY ANY OF THE CANCELLED ITEMS PRIOR TO XXXX XXXX and THE CANCELLATION WENT AHEAD. CHASE TOOK THE MONEY. THEIR STATMENT ON XXXX XX/XX/XXXX of {$330.00} CHASE GOT THE MONEY, AND SENT ME AN EMAIL DATED XX/XX/XXXX, SHOWING THE MONEY IN THEIR ACCT. AND REFUND RETURNS, AND I GET NOTHING AND XXXX KEEPS THE produts THAT WERE ON SALE. I got nothing. -- -- -- -- -- -- -- -- XX/XX/XXXX Order : # XXXX # XXXX NOTE THE SAME ITEM ONLY ONE ORDERED XX/XX/XXXX ORDER # XXXX THIS OCCURED ON XXXX XXXX XXXX and were marked # XXXX with the same number and is very wrong. -- -- -- -- -- -- -- -- - XX/XX/XXXX SEE ABOVE THE CANCELLATION WAS XXXX XXXX marked the same. I cancelled the Chase Bank card and directly located my Acount with XXXX.
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Chase Bank closed my account for no apparent reason and is not willing to disclose the reason why. I spoke with them multiple times, but all I got was " we are not legally obligated to disclose reasons why ''. I am still in shock and disbelief that this is happening. Not sending any notices or warnings prior to closing one 's account is simply bad business. I would appreciate if this could be investigated further, so that I at least know why they decided to take such a serious step. I have never heard of something like this happening and am in complete shock since this will put me in a disadvantageous position financially and impact my future significantly. If there is a way to find out what happened, I would greatly appreciate if someone could get back to me. This is just terrible. Thank you in advance!
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A