Date Received: 2023-08-17
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: On XX/XX/23 I purchased laminate flooring which had to be ordered from XXXX XXXX XXXX XXXX The flooring was never ordered because XXXXXXXX XXXX was never paid by the credit card company XXXX. So I never received the product. Chase my credit card company credited my card for both charges, but then one month later they put the charges back on. They claimed I received the flooring. I asked what channels did they go through to come to this conclusion and they said they called XXXX. Well XXXX the credit card company on XXXX side would not know this. XXXX never paid XXXX XXXX. There is no record. All that chase did was show me a charge slip, nothing more. This multibillion dollar company is supposed to protect me against fraud and has done nothing but charge me interest on this fraudulent activity. I have found numerous newspaper articles from around the states and lawsuits with similar stories. Something must me done!
Company Response:
State: CO
Zip: 812XX
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Chase bank closed my account after depositing two cheques of XXXX each from my employer. When i contacted them they say there can not verify the cheques nor return my money. I gave them every evidence of where the money came from and even contacted XXXXXXXX XXXX XXXX XXXX for them to verify the cheques came from them and chase bank did nothing. I gave them the number of the owner of the business for them to contact her they have refused to do with claim they can not verify nor release the funds
Company Response:
State: AZ
Zip: 85295
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On or around XX/XX/2023 Chase bank suspended and subsequently closed my checking account for reasons I am not completely aware of. At the time of my account closure, I had approximately {$9900.00} dollars in my account. A refund check was suppose to be mailed to me however the check refund was suspended. In trying to discover exactly why the check refund was suspended, I called Chase Bank 's XXXX number multiple times and spoke with multiple people. From the best of my understanding, they did not send me the check because there were some suspicious deposits made into my account from a person by the name of XXXX XXXX. I explained to a Chase Representative multiple times that I use the name XXXX XXXX in mobile app called XXXX XXXX ( as an alias ) and therefore explained to them that XXXX XXXX is actually me. Again, XXXX XXXX and I are XXXX in the same. The Chase Representatives first asked me to submit statements from XXXX XXXX showing the name XXXX XXXX on them. I did so but then they turned around and told me that was not good enough. They told me that I needed to have documentation that showed both my legal name and XXXX XXXX at the same time. I contacted XXXX XXXX and asked them if they could provide such documentation and they told me no. So I contacted Chase bank again an after about XXXX further contacts trying to understand what I could provide to them, they then proceeded to tell me I needed to get a statement from a lawyer proving that I am XXXX XXXX. So I found a lawyer by the name of XXXX XXXX who works for XXXX XXXX. I setup an initial consultation and while there in my consultation, I called Chase Bank so my lawyer could talk with them to understand exactly what they required. The Chase bank representative told my lawyer exactly what I was told in that they needed a letter from him proving I am XXXX XXXX and that I also needed to get the letter notarized. In order to prove I was XXXX XXXX to the lawyer, I was subjected to several tests. I was asked to log into my account in front of him. I was asked to show him proof I received automated emails from the XXXX XXXX account. I was asked to show him proof of automated text messages I received when a XXXX XXXX transaction was made. I was asked to show him each individual transaction to Chase Bank based on the transaction history from XXXX XXXX and match those transactions to their statements. By the end of the consultation, XXXX was completely satisfied I was the owner of the XXXX XXXX account and simply used the name XXXX XXXX as an alias in XXXX XXXX. In writing an affidavit, XXXX also points out that it is completely within XXXX XXXX 's policy to use an alias in XXXX XXXX so I did not violate their rules by doing so. Under penalty of perjury, I signed the document and had it notarized. For his services, XXXX charged me approx. {$1800.00} dollars. I then proceeded to my local Chase bank and they assisted with uploading the Affidavit, and other Exhibits to prove I am XXXX XXXX and simply use this name as an alias in XXXX XXXX vs. using my legal name. I called Chase Bank today and to my great dismay and they told me they are refusing the Affidavit I got from my lawyer even though that is exactly what they told me to provide and told me instead I needed to provide either a birth certificate with the name XXXX XXXX on it or provide a phone number which they can look up in a public database to see if the owner is XXXX XXXX of which they would then call me. Since XXXX XXXX is not a real person and simply an alias I use, I can not provide any of the final items they are requesting. I have wasted countless hours of my time, energy, money, made over XXXX calls, made over XXXX trips to Chase branches and did everything they asked me within my ability and they are still refusing to give me money from my personal account that they closed. At this point I do not know what to do and I am seeking further advice from my lawyer. But I have already spent {$1800.00} and I do not want to spend anymore because I do not have a job right now. If you can please help me. I will not give up on this matter because I have done nothing wrong and Chase bank is wrongfully withholding my money.
Company Response:
State: NV
Zip: 89015
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I had a personal Chase Sapphire credit card before and decided not to renew the card and canceled the card on XX/XX/XXXX with a customer service staff on the phone. I made a final payment around {$4600.00} ( I can't remember the exact amount. ) on XX/XX/XXXX and haven't used afterwards until I canceled the card. By the time I canceled the card the reward point was XXXX and it was equivalant to {$1000.00}. The customer service staff said I can be paid that amount of money, that's why I canceled the card. I requested to send the money to my XXXX bank account and gave my XXXX account number. I had been waited for the money but I couldn't receive it. After that I called Chase credit card customer service XXXX XXXX. They have been telling me that they don't have an access since the account has closed and can't give my money back. Even I said I have the credit card statement but they didn't want to pay for me. This is really unfare and I can't give it up.
Company Response:
State: CA
Zip: 94014
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I opened 2 Chase accounts in 2019 of XXXX. I went to XXXX .for a health issue on my XXXX.I gave my key to a friend well he pretended to be one ) to water the plants he stoked my checks and my credit cards he charged {$50.00} since then I had 3 XXXX been sick, chase refuses to clear this from my account or reimburse me ) I send them tickets and proof but they dont care they dont clean it from the reports ) I need ur help please this is not fair at all ) injustice in this country please help me to solve this issue they have caused me so much stress I even send them tickets proof of passports when flew ) they refuse to clean the!!! They harass me with letters all the time thanks
Company Response:
State: CA
Zip: 90027
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: On XX/XX/23 I contacted JPMorgan Chase auto which directed me to XXXX XXXX XXXX. I settled a charged off debt in the amount of {$4300.00}. My credit report needs to be updated correctly or this account removed all together immediately.
Company Response:
State: MI
Zip: 48092
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check of more then {$5100.00} made out to my father into my account not before asking in the branch if I can do so they told me that if its endorsed by both parties it will work but they placed a freeze on my account when I called in to see what I can do I have been asked to provide a phone number that they can call my father to verify it I have provided all phone numbers he is using but they told me that this phone numbers are not verified I asked them what is a verified number they told me that they are using a tool that's gathering info from public records to see if a phone number is associated with this parson so I asked them to search for his name they ware not able to find a phone number for him so they told me that they are not able to verify it even when I offered them that I can have him walk in to a branch and they told me they have no option for me to verify this check in other words someone that is not on the database they are using has no way to be verified and see beck the money
Company Response:
State: NY
Zip: 10952
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Chase was explored as a bank to open a small business checking account with and it offered a link to receive a bonus of about {$300.00} if and when certain tasks were completed after the account was opened. On XX/XX/23, a small business checking account with Chase was opened online with account number ending on XXXX. The process required that the Business of Formation certificate be uploaded, which was done. The Business of Formation certificate includes the name of the business, the name of the registered agent, and name of the business owner. The account was opened as soon as the requested information was provided. Chase gave the option of making check deposits via the mobile app and it required that this be done as part of the required tasks for the bonus to be awarded. Check ( # XXXX ) in the amount of {$2200.00} was deposited via the mobile app that was made out to the business owner. The check was accepted. A couple of days later, I attempted to access the account online to confirm that the check cleared and received an error message indicating the account was restricted. I assumed that perhaps it was system error and waited a few days to try again. I tried again after a few days and received the same message. I opted for calling the number provided to find out what was going on. At that time, I was informed that the account was restricted due to an issue with Chase not being able to verify the check. I later received a letter from Chase indicating that it could take about 7-10 days for the check to clear. On or about XX/XX/23, I visited the Chase XXXX XXXX branch and was informed by the teller that the account was closed since the check could not be verified and that check XXXX I deposited would be mailed out to me. I called Chase at XXXX opt. XXXX to get further clarification. I was then informed that in fact the account was closed since the issue was not resolved in a timely manner. I was informed that the issue was that they could not verify check. I asked what needed to be done and I was asked to provide the phone number for the business that issued the check. I provided all the phone numbers for all the partners within that business. I was then told that Chase uses a system to verify the check and that this system could not find that any of the phone numbers I provided were linked to the business that issued the check. I was asked to contact the business and get the phone number that was linked to their business, which was done and was provided with the same phone numbers. The issue was not resolved. Chase then indicated that the business that issued the check could put a stop to the check and issue another check to me. I followed this advice and was given a second check ( # XXXX ) which I cashed with another bank without any issue. However, the business that issued check XXXX could not put a stop to the check. This caused the reputation of my business to be tarnished. On XX/XX/23, the business that issued both checks notified me that both checks were cashed and asked why. They also provided a screen shot of their account, which shows that the check deposited into the XXXX account was cleared on XX/XX/23. I followed up with XXXX about check XXXX and they would not confirm that they cashed the check. They continued to say that they could not verify the check. I was then told that they could also not link me as the business owner to my business despite me having provided the Business of Formation certificate. Chase would end the phone calls indicating that they could not resolve the issue. I continued to contact Chase and provided the contact information for the business that issued check XXXX and Chase insisted that their system could not verify the check. When questioned as to why they cashed the check, they indicated that this was done because the check was deposited into my business account. They indicated they could not release the funds to me because they could not verify the check. I asked for Chase to contact the officer for the bank account from which the check was drawn to help resolve this issue and they indicated they could not contact them. I was informed that if the issue was not resolved, they would hold the funds for 1 year and then release the funds to the government. They would not tell me where the funds were being held. On XX/XX/23, I visited the Chase branch in XXXX, NJ and with XXXX XXXX, who upon reviewing the letter sent by Chase indicated that the letter was vague and did not provide me with much information about the issue. XXXX XXXX proceeded to contact the XXXX XXXX Department and asked what needed to be done for the issue to be resolved. XXXX XXXX confirmed that I was at the branch in person, provided my driver 's license, provided the XXXX letter from the IRS, provided the Business Formation certificate that confirmed I was the business owner as all documents provided included my name and address. XXXX XXXX was asked to fax the Business Formation certificate, which he did. Nothing else was asked and we were told that they would review the matter. XXXX XXXX indicated that nothing would be resolved on XX/XX/23 since it was Friday and they would work on the issue on Monday XX/XX/23. XXXX XXXX indicated he would give the Deposit Review Department until XX/XX/23 to work on the issue and he would follow up with them to get an update. XXXX XXXX indicated that most likely Chase would send me a check for the amount of check XXXX. I followed up with XXXX XXXX on XX/XX/23 since I had not heard from him at which time he did not remember me or my issue. XXXX XXXX indicated he did not receive any notification from the Deposit Review Department and that in order for him to follow up with the matter, I would need to visit the branch in person. On XX/XX/23, I called the Deposit Review Department and was again told that the issue was that they can not verify the check. I asked why they cashed the check if they could not verify it and they indicated that the bank from which check XXXX originated, cleared the funds so this allows Chase to take the funds. They again indicated they could not release the funds to me because they could not verify the check. I asked them to return the funds to the business where the funds were taken from and Chase indicated it could not do this. I was informed that the business that issued the check could " pull the funds '' but could not explain what this process entailed. On XX/XX/23, I spoke to the officer for the bank account for the business that issued check XXXX to request assistance. The officer, who has 20 plus years experience in banking, informed me she did not understand why Chase was doing this and why they would not release the funds and that this did not make any sense to her. The officer did not know what Chase meant by " pulling the funds ''. On XX/XX/23, I contacted Chase again to try to resolve the issue. Chase continued to say that they can not release the funds to me until they verify the check, which they could not do despite the information I provided to them as requested. Then they indicated that they could also not link me to my business as the owner and if these 2 matters are not resolved, they would hold the funds for up to 2 years and then release the funds to the government, and then I would have to try to get the funds from the government. I have called Chase multiple times, provided the information they requested both online, via phone, and in person, which they keep indicating is not sufficient. I have offered alternatives for the issue to be resolved, which they have declined to consider. Chase has arbitrarily taken funds from a business and these funds do not belong to Chase. Chase is adamantly refusing to release the funds to my business or return the funds to the business that issued the check despite all information requested by them being provided on multiple occasions.
Company Response:
State: NJ
Zip: 07060
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have been having issues with my bank, which is Chase, regarding someone else stealing my identity and writing checks and withdrawing money at a branch in person pretending to be me. The first time happened with a check that was written for XXXX $ ( I have a picture of it ) I did all that is needed to recover that money and I got my money back. So I went to a branch in person to ask them to restrict my account and open a new one, which it happened. I asked the banker if he could tell me if the check of the picture is real, and he said yes. He was able to see that someone got checks in a branch in XXXX, CA. He explained me about impersonation which I might have understood why the check was provided to that person. Everything was okay until a similar situation happened last week with a higher amount. I noticed that XXXX $ was withdrawn from my checking account. So, I did the same thing we are told to do : call the bank, report fraud, and I was able to get my money back. I asked the representative on the phone if she could tell me how and where this happened, She was able to check and told me that it was a withdrawal made with a banker in a branch here in XXXX. She gave me the address so I can go ask, and I did it. I went to the branch and asked to speak to the manager who was on lunch at that time. I was really upset because anyone can clearly notice the signature on my ID is completely different from the signature of the withdrawal. I asked for the banker 's name who wrote that paper. They refused to give me the name of the banker for " security purposes. '' I understood that, but what about my security purposes? What kind of banker works there that they do not check the signature in the ID and the one that person signed at that moment? They only told me I have to wait until the fraud department do the investigation. I needed the money at that moment because I had to pay the bills. The branch where my money was given away to others is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. After going through those moments where I had to miss work to try to solve my issue, I decided to close out my account with Chase completely. I would like the company to train their people better and get better ways of identity. Please, do something for me so other people do not go through the same XXXX I went through.
Company Response:
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I booked a hotel using chase XXXX XXXX XXXX on XXXX ( with a cancellation period before XXXX ) XXXX points. I cancelled it due to a severe family illness on XXXX. On XXXX, I get an email for another EXACTLY IDENTICAL booking ( note that this is AFTER the cancellation window, and there is NO cancellation window on this new booking ) that I did not make and have been trying to get refunded ever since. I have called the Chase XXXX XXXX portal over 5 times and have been transferred to many supervisors. They say they need the hotel 's consent to get this refunded and that the hotel is not responding. Once agent even said I can contact the hotel myself, so I email them since it is an international hotel. The hotel replied promptly and says that they have not recieved any queries or requests from Chase. I call chase again, they say they will let me know in 12 hours. They don't. I call again, get transferred over 5 times for over 2 hours only to tell me it is denied. I ask for the agent to try again and she puts up a fight. I have to argue with her for over 30 mins to try to get her to contact the hotel again, and she says that there is no response.
Company Response:
State: CA
Zip: 947XX
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A