Date Received: 2023-08-09
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX I filed a complaint with against Chase bank in reference to them restricting my account under case number XXXX. The Banks executive office reached out to me via Email on XXXX XXXX 2023 and stated that i could go into the bank branch to withdraw my funds of XXXX before the documented Closing procedure begins on XX/XX/2023. However, I go into the branch to get my funds and Im told that Chase had in fact closed my account on the day of the letter being sent instead of the documented date thats in my letter. I have been dealing with this entire situation unable to get my funds since XXXX the XXXX I have been homeless because Im stranded and been getting the run a round from them. Now they are saying they closed my account today and that it shouldnt have been closed until the day listed in my letter which is the XXXX, XX/XX/2023. Saying there is nothing they can do and I informed them that I do not live at the address on file and that if they send any check to the address it wont be received and I refuse to have to wait another day for my funds!!! There are notations in my account stating the account isnt to close until the XXXX of XX/XX/2023 and that I can come in and pick up a check with no hassle.
Company Response:
State: LA
Zip: 71118
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/23 at XXXX XXXX I attempted to deposit cash into the drive-thru ATM with the amount of {$1000.00}. The screen read " We are processing your deposit ... '' which I noticed was taking longer than usual. I waited patiently and when more than 5 minutes had gone by, I contacted customer service while maintaining my position in front of the ATM. The first rep I spoke to canceled my card so no one would be able to access it and checked to see if the deposit had gone through. She stated it did not, and forwarded my call to claims dept. The claims specialist requested details which I provided, he told me the claim would be processed in 2 hr - 2 days and that I should return to the bank when it opened and let someone know about the situation, that he would also notify them but for me to do it as well. I asked what would happen with the money I deposited that was not showing on his end as deposited, since the screen was frozen. He told me no one would be able to access the ATM since my card was stuck nor access my account since the card was canceled. I told him that was what I was worried about and I asked several times if he was sure I could leave, he told me yes I could leave and the claim was filed. I asked for a claim number and returned home. At XXXX XXXX the same day, I returned to the bank and noticed that people were now using the ATM. I walked in and let a teller know the situation. She told me they did not service the ATM so there was nothing they could do, she was unaware of the situation. While walking back to my vehicle I walked to the drive-thru ATM to check if by any chance the person after me might have placed my card on top and found nothing, only the ATM screen now operating. I called two days later for an update and was told the claim had escalated and there was no resolution yet and that the amount would be temporarily credited in 10 days while the claim was finalized ( which would take about 20 days ). On XX/XX/23 I called for an update again and was told my claim was denied and that they had XXXX people go out to check and that there was no money in the machine. I asked if it was possible the deposit didn't go through and that the door where the cash was inserted might have opened and someone took it. She stated that was not possible because it did not work that way. I asked them, if there was no money in the ATM, and the door would not open, then how could my deposit be missing. I asked if she could verify through the cameras that I did in fact deposit the cash. She told me that they use a third party and that they were not able to access the videos and that the cameras only verified if I was at the ATM, for fraud prevention purposes, but not if I made a deposit. I asked what else I could do because I was disputing it, and they did not give me any additional resources. They told me I can provide documentation but even if I had requested a receipt, it is given after the deposit is confirmed, which was the reason I was calling since the screen froze. I would not have been able to obtain any documentation. I only have a picture timestamped when I was waiting for the deposit to be confirmed but was frozen. I asked to speak to someone else who could help me and they denied, saying there was nothing else to do because the claim was denied. While I was making the deposit and while I was on the phone I had to tell the cars behind me to try the ATM inside the bank because the one I was using was frozen. I do not usually record myself depositing money in the bank, I do not know what documentation I could provide. I do not believe Chase conducted a thorough investigation because otherwise they themselves would know how the ATM machine operates. If my card was stuck and the screen frozen, and then the card was blocked, how then was someone using the ATM at XXXX XXXX if the claims rep. Told me no one would be able to use the machine. I do not know if they bothered checking with the persons who they claim serviced the machine, in that two-hour time span and if they reported that they did in fact find my card on the machine. I do not know how the machine works but I can only assume that the machine time stamps when cards are inserted and if there is a failed transaction. Instead, they treated me in a condescending way suggesting that I might be trying to commit fraud.
Company Response:
State: CA
Zip: 90221
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have called Chase bank ( XXXX GA ) several times to clarify the details of my account. I have spoken to ( I believe XXXX The XXXX lady ) several times in reference to my account status. Im constantly receiving emails from this bank that I had years ago and forgot about but Im being denied access to my bank account information and status. I have left several messages.
Company Response:
State: GA
Zip: 30132
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I received a letter from Chase Bank that they are closing my checking account and also closing all of my credit cards associated with them. The exact words in the letter state that Chase Bank " decided to close your account because of unexpected activity on these or another Chase account. '' I called their support number and they would not give me any information as to why they are closing the accounts. They would not tell me what the " unexpected activity '' was and they would not give me the option to work with them to resolve the issue that they have. There has not been any unusual activity on the credit cards or with checking account itself. The account they are closing belongs to a business that I have used through them for many years and it is going to cause huge turmoil to move to a different bank. The customer service rep told me that their system flagged me and that I will not be able to open another account with them for myself, my business, or with any other businesses that I have for an indefinite period of time.
Company Response:
State: UT
Zip: 846XX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I received the attached letter from Chase that says " to protect against potential fraud, we restricted your account and XXXX close it soon. '' I don't understand why Chase can not verify that I am me, and why their staff either don't follow SOPs, their SOPs are flawed, and/or both. Spoke with XXXX, a customer service agent, on XX/XX/2023. XXXX was nonresponsive when I asked what date the account was closed. She said the account was closed. XXXX put me on with XXXX, an Account Supervisor, who could also not help me.
Company Response:
State: HI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I went to my Chase bank and withdraw the XXXX dollars for my bills. By XX/XX/XXXX I begin to get really ill having low energy in complicated to breathe. On XX/XX/XXXX Ive had the same symptoms but it worsen so I decided to take a XXXX test which tested positive so I decided to go to the ER ( XXXX XXXX XXXX ) I was there for several hours where they gave me an x-ray and another Covid test that tested negative, but sent me home with an XXXX XXXX and some medicine XXXX XXXX XXXX XXXX XXXX. I was also told to get plenty of rest by the doctor I didnt leave the hospital until XXXX or XXXX XXXX the next morning XXXX XXXX it wasnt until XX/XX/XXXX. I received a email stating I had low funds in my account so I check my account and realize that over {$3100.00} was gone and I instantly begin to call Chase customer service, which they connect me to, another department that handles fraud after speaking to a rep they reassured me that I will be getting my funds back and that this will go under investigation. I received all of my money back but by XX/XX/XXXX I got another email stating that my account was negative {$3100.00} so i call customer service for the second time and they connect me with fraud department again and thats when I was told that their investigation concluded that I was a responsible for my missing monies. After further speaking with the agent, he told me what I needed to do in order to overturn their decision, which was to get document stating my whereabouts on certain dates, these dates are supposedly the days that someone withdraw money out of my account. However, they never gave me a XXXX XXXX for these dates. They just gave me the days. So two days out of the several that was given to me I actually provided paperwork showing I was in the ER. I provided that paperwork on XXXX XXXX and by XXXX of XXXX I called to see was there any updates on the investigation and thats when I was told that I needed something more specific, more like a doctors note stating the day and time I was at the hospital. I really didnt understand that because for one, Im not sure if a doctor would even give me a note and two if he was to then itll be the exact same thing that was already on my discharge papers so I explained that to the rep and in but so many words they told me I wasnt getting my money back so now thats why im submitting a complaint.
Company Response:
State: PA
Zip: 19067
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
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: I have bought a flight ticket to my sister in low on XX/XX/XXXX via XXXXXXXX XXXX from XXXX to XXXX. round trip from XX/XX/XXXX to XX/XX/XXXX the ticket with XXXX XXXX. Since I booked the ticket until 2 weeks before the trip there wasn't any notification that my sister in law needs a transit visa from the XXXX XXXX in XXXX. Evidence 2 is the ticket that we printed on XX/XX/XXXX it doesn't have any notification about the transit visa. Evidence 1 it is the ticket on XX/XX/XXXX and there is a notification that a transit visa is required, then I called XXXX XXXX they told me I need to call XXXX XXXX. I called XXXX XXXX and they told me they are not sur and I need to contact the XXXX XXXX in XXXX. I have emailed the XXXX XXXX in XXXX and they confirmed that my sister in law needs a visa and it takes at least a month to schedule it. We don't have enough time to schedule an appointment to get the transit visa and I asked for a refund XXXX XXXX refused. they can give me only a credit that I have to use before XX/XX/XXXX and only for XXXX. My sister in law XXXX can come only during the summer since she has XXXX kids on Schools in XXXX, and this visit just during the school vacation. I called XXXX XXXX and they told me I need to call XXXX XXXX to get the refund. I called XXXX XXXX and they told me I need to deal with XXXX XXXX since they have the money. I report dispute with my Credit Card bank and I am not sure if they can help me or no since the transaction from XX/XX/XXXX. I am asking for a full refund since XXXX XXXX did not provide the entire information abut the trip and the requirements.
Company Response:
State: MA
Zip: 01760
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credt Reporting Act Account Name : XXXX XXXX Date Openned : XX/XX/XXXX Account Number : XXXX has violated my rights. Account Name : XXXX XXXX Date Openned : XX/XX/XXXX Account Number : XXXX has violated my rights Account Name : JPMCB CARD Date Openned : XX/XX/XXXX Account Number : XXXX has violated my rights Account Name : XXXX XXXX Date Openned : XX/XX/XXXX Account Number : XXXX has violated my rights Account Name : XXXX Date Openned : XX/XX/XXXX Account XXXX : XXXX has violated my rights Account Name : XXXX XXXX Date Openned : XX/XX/XXXX Account Number : XXXX has violated my rights. Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXX 15 USC 1681 Section 602 States I have a right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan a late for any purpose.
Company Response:
State: GA
Zip: 30312
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2023 I deposited a check for XXXX and the check came from the treasury which was issued by thrift savings plan slssh XXXX it was from my dad he passed away last year and my XXXX brothers got the same check. When I deposited it into the chase atm it said had a ten day hold so on XX/XX/XXXX i called chase Bank because I had received a letter in the mail telling me chase wax suspending mu account due to fraudulent and suspicious activity chase Bank informed that they believe my check had been chemically washed and that I had typed my name in and so they wanted proof that the check was really mine and so I called tsp and the treasury department and they both told me that Chase could verify it in their system.so Monday XX/XX/2023 I called chase back and they told me that they had to talk to the treasury dept themselves and we'll I called the treasury department and they informed me that the check had already been cashed but chase admitted to cashing check still would not give the funds to me. So on XX/XX/XXXX I went back up to chase Bank and they finally copied the check stub from the check from the treasury department and I was told it was verified in their system but they still was saying they believed the checked to be fake even though they cashed it and told me they could hold money up to two years unless the treasury department issued a recall on the check which make chase send the funds to treasury dept and the last person I talk yo I said my XXXX brother didn't have any problem cashing their check with their bank.
Company Response:
State: TX
Zip: 763XX
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Ahead of a major purchase ( {$8800.00} ) for an upcoming medical procedure, I called Chase BEFORE I made the charge to inquire about the fees and total costs for enrolling in a " my chase '' plan. On XX/XX/XXXX, the representative stated that the plan fee would be 1.72 % of the transaction amount with a 12-month payment period. He quoted the specific dollar amount ( a maximum of {$150.00} of additional charges for the duration of the plan duration ) based on the rounded dollar amount of my transaction and stated that only after I made the charge would I be able to enroll in the plan through my app or online. After charging the amount and going into the app later that day, I found that there was no twelve-month option available, only 18 and 24 months, with fees beginning at nearly {$1000.00} additional dollars. I called again on XX/XX/27 and spent more time on the phone speaking to representatives who echoed what the first person had said, but with no actual resolution. I called again on XXXX and XXXX asking about the same issue, each time spending an hour plus on the phone being transferred to 4-5 different departments to people who didn't know how to address this problem. It is cruelly ironic and very convenient for Chase that only after placing this purchase on my Chase card as opposed to my XXXX card, the quoted 12-month 1.72 % fee plan apparently doesn't exist. Chase is guilty of false advertising and misinformation and needs to honor the original percentage rate stated to me on XX/XX/XXXX.
Company Response:
State: NC
Zip: 27705
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A