Date Received: 2024-01-05
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Someone opened a chase card without me knowing. I have called the company and they are putting fraud on the card.
Company Response:
State: MO
Zip: 656XX
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: For months, since we opened the bank account late last year, we have been restricted/prevented from depositing funds into our new checking and/or savings account arbitrarily by Chase Bank. Sometimes they would prevent XXXX or XXXX deposits, XXXX deposits, wire transfers, cash, checks, even merchant account deposits. The reasons that Chase Bank would give us were both bizarre and nonsensical, and they always asked for something more as if they were deliberately trying to either provoke us, or fail, or get late with a response. One of the last items they required was a copy of our lease agreement with our current office space at XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX NY XXXX that we have been occupying since XXXX XXXX XXXX years ) but wherein we have a special relationship with them because it has always been an " auto-renew lease agreement '' since it s not a landlord-lease agreement but rather a " service agreement '' more akin to a hotel ( new trend, because they also accommodate virtual offices as well as physical tenants offices such as ours ). So now, these monsters at Chase Bank, rather than fix or ameliorate our problems with the above arbitrary and capricious refusals to allow us to deposit or become stable with our bank accounts, have instead decided to arbitrarily and capriciously CLOSE our bank accounts today, via email, on a Friday no less, when we can do nothing as the weekend now approaches. What makes matters worse is that we have incoming deposits on the way en route, and they did not even provide us with a reasonable window period or 30 day notice so that we can make arrangements for incoming and outgoing bill payments. This is the height of bank irresponsibility, cruelty, unprofessionalism, criminality. Please open a case, investigate, and advise.
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/XXXX I requested documentation from the creditors such as statements showing I was in fact late otherwise update this late payment to paid as agreed. XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XX/XX/XXXX {$510.00} XXXX XXXX and XX/XX/XXXX {$100.00} XXXX XXXX XXXXXX/XX/XXXX {$12.00} XXXX XXXX XX/XX/XXXX {$79.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2800.00} After 30 days I received no updates or documentation. I again reached out via phone to all three credit bureaus letting them know I had verified letters to creditors and bureaus to which I was told they had 60 days. Which is incorrect. A cycle is 30 days for response. This has been on going with these reports for over a year. I also have security breach letters from 3 of 5 creditors during my time with account with them.
Company Response:
State: CA
Zip: 94561
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: I have an account with Chase Bank and I initiated XXXX wire transfers through Chase Bank. The wire was sent to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX these wires were sent to a brokerage firm to trade for XXXX XXXX XXXX wires in the amount of {$25000.00} XX/XX/XXXX and {$78000.00} XX/XX/XXXX were sent to : XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX Recipient Acct # XXXX XXXX wire in the amount of {$25000.00} XX/XX/XXXX was sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Routing # XXXX Bank Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Recipient Account # XXXX XXXX wires in amount of {$25000.00} XX/XX/XXXX and {$25000.00} XX/XX/XXXX were sent to Chase Bank accounts : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX JPMorgan Chase Bank Routing # XXXX Bank Adress : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Recipient Account # XXXX On XX/XX/XXXX, I came to know that these companies were fraud and I was scammed by the brokerage firm. I contacted local law enforcement and FBI. On XX/XX/XXXX, I initiated a wire recall through Chase Bank and I was told that it takes XXXX business days for them to conclude their investigation. On XXXX XXXX, I received a message from Chase Bank that the wire sent to the account with XXXX XXXX XXXX is closed. They said that they are continuing their investigation with XXXX XXXX XXXX and their own business account. On XX/XX/XXXX, I received another message from Chase that the XXXX XXXX XXXX, where XXXX wires were sent is requiring a Hold Harmless Indemnification Agreement. I went to Chase Bank location in XXXX, XXXX on the same day to see, if they wanted me to sign anything reference to the XXXX XXXX XXXX request. After calling the fraud hotline from the branch, I was told that the Chase Bank is handling the issue and there is nothing they need from me. I called the online fraud department on XX/XX/XXXX and was told the their us no update and they are still investigating the matter. I did repeated calls to Chase Bank fraud line on XX/XX/XXXX, XX/XX/XXXX ( spoke to a supervisor XXXX ) XX/XX/XXXX and was told that the investigation is still ongoing with no update.Today XX/XX/XXXX, I called again and asked to transfer my call to a supervisor. I spoke to XXXX ( supervisor-escalation Department ). She said that Chase Bank is closing all my claims and will not investigate the matter since wires were initiated by me. I said that all this time, I was told that the investigation is still ongoing and Chase Bank is working with other Banks in reference to recalling the wire and trying to retrieve the money. She was very insensitive and rude and said there is nothing Chase can do as these are not wire frauds. I asked her, if Chase couldnt do anything, then why wait for XXXX business days to let me know that they wont even investigate or reach out the other bank or even their own account as XXXX wires were sent to chase Bank account. I feel I was very unfairly treated. Chase Bank is opening accounts for these criminals ( XXXX XXXX XXXX Acct # XXXX ) to launder money. Victims like me are wiring money to these fraud companies that the banks are opening accounts for with probably fake business documents. I just needed the Bank to help me in recovering any of my lost money or doing the due diligence. I feel that I spent so much time in calling and waiting over the phone with no results, which is very disappointing and frustrating.
Company Response:
State: CA
Zip: 91741
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: FTC Report Number : XXXX Account Ending in : XXXX Type of Account applied for : Chase Freedom Application submitted by : Internet Date application : XX/XX/XXXX On XX/XX/XXXX my XXXX XXXX credit card company ( BEST COMPANY IN THE WORLD ) informed me that there has been a hard credit check on my name. Thats how I discovered that CHASE has approved a fraudulent credit card application without any kind of due diligence. I have received a letter from CHASE Fraud Department ( dated XX/XX/XXXX ), which only show how easily they give out these credit cards. Most of the applicant data was wrong or expired almost XXXX years ago : 1 ) Name was wrong, since I have remarried in XXXX and registered my SS # under my new surname. 2 ) Address was wrong, since I moved out on XXXX. 3 ) Mothers maiden name was wrong. 4 ) Email address expired in XXXX. Yes, the criminals had my correct cellphone, SS # and birthday, but all above was wrong in their application. I was trying to call CHASE Fraud Department and they returned my phone call, but they have no other detailed information or explanation, why they did approve this credit card application when clearly MOST OF THE APPLICANT DETAILS ARE WRONG in this fraudulent application. CHASE didn't conduct any due diligence to check any of the applicant data. This credit card approval seems to be AN INSIDE JOB, and CHASE must find out who in their organization is guilty for this kind of criminal act.
Company Response:
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I made purchases on my XXXX Chase account with the option of XXXX month or XXXX month pay. I was told that the full amount would drop off the account during the next billing period and then would go to monthly payments. I received my statement and nothing fell off! I called them today and they said that they keep the full balance charged to your account and then you just make monthly payments. That is a bait and switch and isn't a payment plan. That is essentially charging me XXXX. They gave no resolution to this issue other than raising my credit limit. That isn't what I wanted. This was for a total of about {$500.00} on XXXX for several purchases over a week using XXXX Chase.
Company Response:
State: CO
Zip: 80122
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Problems receiving the advance
Subissue:
Consumer Complaint: I have a refund loan check in the amount of {$6000.00} in check form from the tax office. I took the check to my bank ( chase ) I have been with them for over 3 years. I was told there was a hold and restriction on my account now saying there is a problem with verification, however they cant explain why there was an issue with the verification process. I was told by a chase supervisor over the department that has the restriction that I need to contact the issuer and have the issuer contact chase in order to have my funds released. Today is XXXX. It was deposited yesterday on XXXX and they told me I would have to wait til the XXXX of XXXX and that I still would need the restriction lifted to even use the funds even if they get deposited.
Company Response:
State: OH
Zip: 43232
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: JPMorgan Chase Bank closed my account without giving me a specific reason. They closed my account on XX/XX/2023, and they promised to send me a check with the funds left in the account ( a total of {$1300.00} ). After 15 days, I didn't receive this check and I went to their branch to ask for more information. Their branch said the check will be mailed to me approximately 15 business days later. But I haven't received any funds from them so far, and it's about 2 months after they closed my account.
Company Response:
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have been fighting with this company for a year trying to resolve this matter, Last I have sent a letter and email to the CEO of the company to resolve this issue! Its a big clear mistake thats a violation of the law : 15 Us Code 1666b Timing of Payments I will include in my proof in my images below! This is a big violation and against the law this is not fare at all for them to continue to do this just because they are big company and im just one person I Can not get this resolve and I have 100 % CLEAR proof of the company 's big mistake but they wont resolve it and update my account as paid on time! And remove the inaccurate remark of my auto being late as I have never been late on anything in my life with none of my accounts!
Company Response:
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Chase has been aggressively negligent in linking the consumer 's external account via their online portal tools, Secure Message Center, and Chase XXXX XXXX ( XXXX ) line at XXXX ( reference phone call from my phone number ( XXXX ) XXXX at XXXX AM on XX/XX/XXXX ). Not allowing consumers to link external accounts, or delay doing so, financially benefits Chase because consumers are forced to keep their money with the bank. XXXX the XXXX line, the agent was rude, unhelpful, belligerent, unprofessional, left the phone on silent, and ultimately disconnected the phone. Shameless and certainly XXXX of the worst banking customer service interactions I have had. Although the XXXX phone agent said that any money market ( savings ) accounts can be linked to Chase accounts, they were unable to provide a reason why, despite confirming correct account number and routing number details, the XXXX XXXX XXXX XXXX account could not be added to the account, using a blanket statement that this type of account might not be addable and refusing to provide any further clarification.
Company Response:
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A