Date Received: 2024-01-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Chase Bank refuses to provide proof of these inquiries. My credit has a freeze on it from my identity theft in XXXX. I have inquired many times.
Company Response:
State: CA
Zip: 95476
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Someone added themselves as an authorized user to my Chase banking account and subsequently withdrew approximately {$24000.00} on XX/XX/. On XX/XX/, I received an email regarding my Chase bank account that my address had been changed. I immediately contacted Chase bank ( XXXX XXXX MST ) and spoke to a representative who told me someone had added themselves as an authorized user and opened a new savings account under my name and ordered new debit cards. I was then told this issue would be taken care of and my account would be placed on hold. I called again and spoke to another representative who gave me more information regarding the situation. He informed me that someone physically into a Chase bank branch in XXXX, Georgia ( XXXX XXXX ) and added themselves as an authorized user to my account ( I live in XXXX XXXX XXXX, UT ) even though I have no relation to them. They were using the name XXXX XXXX ( unsure of spelling ). They also changed my account address. This was all approved around XXXX XXXX EST by the branch manager at that location, XXXX. I was again informed by this Chase bank representative that my account was on hold and that no money had been moved out of the account. They changed my username and password. I also went into my local branch in XXXX XXXX XXXX and spoke to the branch manager, XXXX XXXX. He informed me that no money had been transferred and my account was in fact on hold and no money could be moved. After work, I logged back into my account and noticed there were two separate withdrawals initiated from my savings account for {$9500.00} and {$15000.00}. I immediately reached back out to the Chase fraud department and spoke to another representative. They informed me that the person had indeed added themselves as an authorized user to my account my coming into the XXXX XXXX Chase Bank in XXXX, Georgia and this was allowed by the manager there, XXXX. They then subsequently made direct withdrawals at XXXX XXXX EST of {$9500.00} and {$15000.00}. They then went to another Chase bank in XXXX, Georgia ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA ) and attempted to directly withdraw {$40000.00}. This attempt was denied by the teller. I logged in the following morning and then pending withdrawals had subsequently been completed. Despite reporting the fraud 1 hour after it happened ( to 2 separate people over the phone and in person at my local branch ) and being informed that my account was secure and no money could be transferred, this person was able to withdraw over {$25000.00} from my account. This is a failure on the banking institution and raises suspicions of fraudulent activity within the Chase banking system, particularly at the XXXX XXXX Chase Bank ( branch manager XXXX ).
Company Response:
State: UT
Zip: 84105
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: The personal information have been removed per the request : To the Consumer Financial Protection Bureau ( CFPB ), I am reaching out to express my profound dissatisfaction and frustration with the way a recent fraudulent activity on my Chase debit card has been handled. My account is under the name XXXX, and the account number is XXXX Between XX/XX/2023, unauthorized transactions took place on my debit card at XXXX XXXX ( {$2200.00} ), XXXX ( {$1500.00} ), and XXXX ( {$2600.00} ) in XXXX XXXX XXXX in XXXX XXXX XXXX, XXXX, GA. I promptly contacted Chase customer service on XX/XX/2023, upon discovering these transactions while I was on vacation in XXXX, GA between XX/XX/XXXX and XX/XX/XXXX. I can provide evidence to support my claim of being away during that specific period. Despite presenting clear evidence of my absence from the transaction locations, the Chase representative stated that the bank couldn't take any action as the transactions occurred within a XXXX radius of my home. This response is not only insensitive but also fails to acknowledge the possibility of fraudulent activities beyond my control. I explicitly requested an investigation into the matter, urging Chase to use any available surveillance footage from the transaction locations. Unfortunately, Chase has not cooperated and has dismissed my request for an investigation. It is alarming that I did not receive any notifications from Chase about these suspicious activities, raising concerns about the effectiveness of Chase 's security measures. My stolen debit card was used with a signature instead of a PIN, emphasizing that the transactions were not authorized by me. Referring to Chase 's insurance policy, which assures customers they won't be held responsible for unauthorized charges, I expect Chase to honor its commitment and promptly refund the entire amount of {$6300.00} to my account. I have filed a police report with tracking number XXXX. I urge you to thoroughly investigate this matter, reconsider the denial of my claim, and take appropriate action promptly, and refund my money which was taken from my account without authorization. Sincerely,
Company Response:
State: GA
Zip: 30305
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On or around XX/XX/XXXX I received an adverse claim/ letter of denial from Chase bank denying me an extension of my credit which is a prohibited act constituting discrimination according to15 USC 1691 and 12 CFR 1002.7 a creditor shall not refuse to extend credit. And according to 15 USC 1611- Criminal liability for willful and knowing violation ( 1 ) Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. And According to 12 CFR 1002.16 ( b ) ( 1 ) Any creditor that fails to comply with the requirements is liable for punitive damages up to {$10000.00} for individuals. I then proceeded and mailed a Notice of Federal Violations to the CFO and to the address on the face of the denial letter. Application Reference # XXXX See attached
Company Response:
State: GA
Zip: 30311
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Money was fraudulently taken from one checking account through Chase to my other Chase account then a wire transaction was done without my consent. I have case # XXXX. Chase claims it was my fault for not protecting my phone and by me using the online banking system outside my home. {$4700.00} was sent to a bank in XXXX, FL and since they couldn't retrieve the funds I'm out of luck. Please help. I've been with Chase over 30 years and have never done a wire transfer. I am attaching emails and call logs showing how I tried to stop the wite transfer which Chase claims are all fraudulent emails.
Company Response:
State: IL
Zip: 60107
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: XX/XX/2023 I applied for a Chase Bank Account. However, I was denied my own credit based on Chase doing an inquiry with XXXX later in which I recieved a denial letter from Chase on XX/XX/2023. My complaint to be clear is # 1 Chase denied the extension of my own credit which is unlawful and illegal # 2 My security interest is being used without my permission and/or benefit to me while Chase is receiving monetary benefit through the application and my estate # 3 Their action was discriminatory as they are benefiting from my estate yet denying my access through a score. As the Surety, my application represented and is the Orginal Collateral Certificate, as Surety I have power of attorney over this application, and through the power of substitution I am demanding that Chase open my account with the appropriate credit as I have power of attorney over the FDIC collateral as well, therefore my account needs to be open forthwith as an opened-ended account. Chase said it was the score that played a factor in the denial, however, that information and score were inaccurate. I am a certified healthcare provider and have major concerns as to where my XXXX is being used and by whom without my permission or benefit. I am also opting out of any arbitration clauses and rescinding the security interest, security entitlements Chase may claim to be theirs, as well as the proceeds portion of the terms and conditions
Company Response:
State: NY
Zip: 104XX
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check on XX/XX/XXXX, {$200.00} it's was for holiday bonus in chase account the next day they freeze my account I don't know why until I call them they said they need more information for the check provider to find out after I keep calling them they said it's was no date on the check but why clear the check on XX/XX/XXXX if its no date and my check did not bounce back why restricted my account that's not fair to me. And the person that give me the check they said it's clear from their end so why all this problem I don't get it is it because I'm XXXX or what please I want more information
Company Response:
State: FL
Zip: 33020
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: I applied for the XXXX XXXX XXXX XXXX XXXX XXXX through Chase on XX/XX/XXXX and realized that I applied through the wrong link and would not get the welcome offer that I wanted. I had applied through a referral link ( XXXX free nights welcome offer ) when I wanted to apply directly through the XXXX website ( XXXX points welcome offer ). I called Chase Customer Service on XX/XX/XXXX about the issue, and the agent that I spoke to at XXXX XXXX PST told me that they could not switch the welcome offers, but we could submit a rejection for the card. I specifically asked if there would be any repercussions, and she stated that there would be none besides the points docked from my credit file for the inquiry. She said it would be as if I had never applied for the card. The card would be closed and removed from my account history, and I would be free to apply for the same card again after 24 hours. I submitted a new application for the same card on XX/XX/XXXX at XXXX XXXX PST. It was not approved, so I called Chase again on XX/XX/XXXX. I spoke to four different departments, and they told me that my application was rejected on the reason that I already had a card of the same type. The agent I spoke to on XX/XX/XXXX had given me the wrong information. The card could not be removed from my account, and I would need to wait 30 days before applying again. The card would also remain on my credit file as a cancelled card. The last person I spoke to was an Account Manager at XXXX XXXX PST. He repeated " Whether or not [ the previous agent ] gave you the wrong information, you would be in the same place now. '' I gave the time stamp of the original call with the previous agent, as all calls with Customer Service have a recording, and he said, " That's nice, but there's nothing we can do. '' I requested some type of compensation or consolation, as the only reason why I went ahead with the cancellation and reapplied was on the incorrect information the Chase agent gave. He refused and said he is unable to provide any type of compensation.
Company Response:
State: CA
Zip: 94403
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To U.S. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. To Whom this may concern, I am writing to formally the revoke the security interest associated with my XXXX XXXX XXXX XXXX XXXX ( XXXX ) with the loan number # XXXX. I, XXXX XXXX XXXX, am the beneficiary of the promissory note linked to this loan. On Friday, XX/XX/XXXX, The XXXX office of JPMorgan Chase contacted me to confirm the receipt of my Registered Securities via Registered mail. As the indentured Trustee of the XXXX, JPMorgan Chase has lawful duties that they must abide by. XXXX XXXX XXXX being the beneficiary, needs JPMorgan Chase to abide by their lawful duties. According to the securities exchange act of 1934, it is the obligation of the indentured trustee to handle the discharge and cancellation of debts. JPMorgan Chase, your indentured trustee received my registered securities via registered mail and the record is documented under case number XXXX. JPMorgan Chase was instructed to wire my securities through my XXXX Account BANK NAME : XXXX XXXX Number : XXXX Account Number : XXXX XXXX XXXX - XXXX - XXXX I am the beneficiary of the promissory note and I kindly request that you take the lawful steps in Discharging this debt and wiring my securities to me, where they were intended to go in the first place. Being that my promissory note is a XXXX XXXX certificate of indebtedness, I understand that it is not being registered with the XXXX, and that is how the securities fraud is going undetected. Please take the necessary steps in revoking your security interest as per my request, wiring my securities through my XXXX XXXX XXXX and take the lawful steps in Discharging this debt promptly. Your prompt attention to this matter is appreciated. Please confirm in writing once the revocation is processed, the securities are successfully wired to the provided XXXX Account and this debt is successfully discharged.
Company Response:
State: NJ
Zip: 07002
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: The bank said all the money on my chekcing and saving accounts are suspecious and they closed the accounts, moved the money out and didn't tell me how long do they take to investigate the money. I haven't give me any reason and just took my money away for more than 2 months. I tried to ask them but what they can tell me is I have signed the agreement when I open accounts with them. They have the right to do it. But can this big bank just took people 's money away saying under investigation for 2 more months? I am living paycheck by paycheck, how would I live without my money?
Company Response:
State: CA
Zip: 91731
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A