Date Received: 2023-08-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened my Total Checking Chase Account online XX/XX/XXXX. We changed over the direct deposit info on our 2 forms of income ( SSDI, and VA Disability ) and deposited a check for {$990.00} made out to XXXX XXXX XXXX XXXX which is my very very small income XXXX XXXX XXXX. I do XXXX XXXX out of my home for XXXX XXXX XXXX. I used my social security # for any money generated from XXXX XXXX XXXX which was very minimal. Recently, XXXX XXXX ( owner ), sold his business in XXXX, NC so income was to increase and I applied for a XXXX on XX/XX/XXXX, which is required in NC. XXXX wrote a check on XX/XX/XXXX for {$990.00} to XXXX XXXX XXXX XXXXXXXX ( me ) for work done during the XXXX XXXX XXXX XXXX He failed to put my name in the memo portion- XXXX never had an issue with depositing the XXXX XXXX XXXX checks into our personal account so it never occurred to me that I needed a business account as this is not what pays the bills etc. Anyway, the check was deposited on XX/XX/XXXX, cleared at XXXX bank XXXX XXXX XXXX XXXX ) on XX/XX/XXXX and Chase verified this check on XX/XX/XXXX. However, they put a hold on my account until the check was verified EVEN though it was already verified per XXXX. The writer of the check, XXXX XXXX, said the money was removed from his account on XX/XX/XXXX. The restriction was to be removed from the account as long as I brought in a XXXX to a local branch. I did exactly as I was asked to do which was bring in a XXXX w/ ANYTHING DATED PRIOR TO XX/XX/XXXX showing my name with XXXX XXXX XXXX Performance such as invoices. I brought in the requested paperwork on XX/XX/XXXX in which they faxed to " the back office ''. The banker who assisted me faxed my XXXX and an invoice dated I opened my Total Checking Chase Account online XX/XX/XXXX. We changed over the direct deposit info on our 2 forms of income ( SSDI, and VA Disability ) and deposited a check for {$990.00} made out to XXXX XXXX XXXX XXXX which is a very very XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I used my social security # for any money generated from XXXX XXXX XXXX which was very minimal. Recently, XXXX XXXX ( owner ), sold his business in XXXX, NC so income was to increase and I applied for a XXXX on XX/XX/XXXX, which is required in NC. XXXX wrote a check for {$990.00} to XXXX XXXX XXXX XXXXXXXX ( me ) for work done during the sale of his shop. He failed to put my name in the memo portion- XXXX never had an issue with depositing the XXXX XXXX XXXX checks into our nersonal account so it never occurred to me that needed a business account as this is not what pays the bills etc. Anyway, the check was deposited on XX/XX/XXXX cleared at XXXX bank, XXXX XXXX XXXX, on XX/XX/XXXX and Chase verified this check on XX/XX/XXXX. However, they put a hold on my account until the check was verified EVEN though it was already verified per BOA. The writer of the check, XXXX XXXX, said the money was removed from his account on XX/XX/XXXX. The restriction was to be removed from the account as long as I brought in requested paperwork to a local branch. I did exactly as I was asked to do which was bring in a XXXX w/ ANYTHING DATED PRIOR TO XX/XX/XXXX showing my name with XXXX XXXX XXXX XXXX such as invoices. I brought in the requested paperwork on XX/XX/XXXX, in which they faxed to " the back office ''. The banker who assisted me faxed my XXXX and an invoice dated XX/XX/XXXX. He then told me to wait XXXX to call the " back office '' to have them release the hold. I called on XX/XX/XXXX left my number to be called back and an hour later at XXXX Chase XXXX and I was spoken to rudely, and hung up on. So I do the same thing again and an hour later speak to someone else. He is XXXX help either and tells me that I needed paperwork dated after XX/XX/XXXX showing my name w/ the business name - THE XXXX XXXX that! The " back office '' stated if I wanted to close my account that I could stop by a branch after the holiday and get a check for our VA Direct Deposit of $ XXXX that went in on XX/XX/XXXX but not the {$990.00} because they need to verify the check ( which they did on XX/XX/XXXX )! So on XX/XX/XXXX I went to the XXXX XXXX NC branch to close my account. I checked my account before I left and the account was still open. By the time I got there the account was closed and they stated there's nothing they can do! They told me to call the " back office '' to find out where my money is! So I call the " back office '' AGAIN on XX/XX/XXXX for them to contradict what the branch told me would occur. They then stated they had to verify both the direct deposit and the check!!!!! I'm my XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX so our income is limited as it is! So essentially we haven't been paid this month because of Chase Bank and their shady practices. At this point I've spoken to these people 5x by phone and 3 different visits to 3 different branches ( XXXX, NC, XXXX, NC XXXX XXXX, NC XXXX XXXX ) - it can not be legal for them to do this to people!!!! They need to give back our money that they've STOLEN.
Company Response:
State: VA
Zip: 241XX
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: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I signed up for the credit card Chase Freedom unlimited after receiving a promo offer in the mail It had promised " Earn a {$200.00} bonus after you spend {$500.00} on purchases in the first 3 months from account opening. *Same page link to Offer Details Plus, earn 5 % cash back on combined gas station and grocery store purchases ( excluding XXXX and XXXX XXXX *Same page link to Offer Details on up to {$12000.00} spent in the first year. * '' XXXX XXXX XXXX I signed up and fulfilled all the requirements I received no bonus and was informed after escalating the matter to the manager that i was not entitled to the {$200.00} and all i would receive was 1.5 % cash back This was a bait and switch, i would have never signed up for the credit card if i wasnt misled in this manner
Company Response:
State: TX
Zip: 79761
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: Chase Bank never contacted me to inform me that my account was closed, or how to make payments. After speaking with a representative, they told me my account was closed in XXXX and they sent a notice about it. I asked them to resend the original notice so that I could understand why my account was closed and how I could reconcile. The notice they sent me simply said this confirms your account was closed with no explanation or information on how to pay off the account. They disabled the ability for me to see statements or make payments on their mobile banking. I believe they are attempting to scam me by not providing adequate information and revoking access to the ability for me to pay my account off.
Company Response:
State: OK
Zip: 741XX
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 lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I deposited money around XXXX at a Chase bank ATM and it kept my money. They told me repeatedly that they would give me a credit of the amount I placed in machine. That day j was depositing around {$1400.00} for my rent that day. Because they took my funds and did not give me any credit since I'm late with my rent and will have to pay additional fees. I've called many times and made complains and asked if theres anything g they can do to speed up the process but they tell me the same thing over and over again that it takes time. I have XXXX kids and our family is living in a small apartment that costs almost XXXX a month. School is starting soon and I have nothing to shop with because all if what I had went towards paying g what I could with rent so as to not get evicted.
Company Response:
State: TX
Zip: 78660
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: Chase mishandled my personal information. I've applied for a personal credit card ( XXXX XXXX ) and my Information was automatically filled in on some of my information, including address, as I have another account with them. I also have fraud alert on my credit report which Chase would have to call me and verify this information, including the address. So, it's a surprise to find out that I didn't get my card, and I called in to find out why after it was sent almost 3 weeks ago, and I was told by someone with no common sense that " I put the wrong address on the application '' which is just not true, especially since their fraud department verified it, which makes the address clear and valid. So, this person I've spoken to with no good judgement said the cards were returned due to invalid address. First, again address was validated... I'm not stupid, I know my address! and second, they have it on file. I believe Chase either had a scammer working with the department that sends out the cards and changed the address, Chase changed the address on its own for whatever reason or Chase had an employee that sends out the cards handled 2 accounts at once and mixed up the addresses and now it may be 2 customers affected by their mistake. But Chase is blaming me for their security mix ups on my personal information that someone could have got ahold of. Now after repeatedly reverifying myself to this person with lack of sense, I still can't get the card, nor access the account/account dashboard because I'm not verified with them and the phone, I called from is connected to their system. How silly is that.
Company Response:
State: IL
Zip: 60056
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: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I tried to notify the bank that an unauthorized ACH withdrawal had been made on my account. The employee ( on telephone ) said he was having trouble restricting the account. So I went to the branch on that day and they restricted the account and opened a new account but they were not able to transfer the funds ( {$63000.00} ) from the restricted account to the new account. The next day I tried again to have the funds transferred to the new account. They failed and said to try again the next day. The next day they failed again and said they were very busy and to try another branch. Which I did. The new branch again tried to transfer the funds and failed and so said they would send the problem to the " Branch Complaint Escalation Team. '' 6 days later that rep called and said he could not help and to call the " Telephone Bankers Check Releasing Hold dept. '' Which I did. They said it was not their problem and it could only be handled at the branch.
Company Response:
State: CA
Zip: 95407
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: *He comment my instagram post like " Congratulations!!! you among the lucky winners for {$15000.00} kindly send a dm to claim your prize. '' I texted him in dm. He start to request XXXX $ for donate children. Then XXXX $ for clearance fee. He said " We now at the final step sire Yo man what's popping your winning is finally ready with me. You only need to send {$850.00} that would be my cut from your winnings sir. Once again congratulations sir hope you do something great with your winning ''. He tried to request again " All you need to do now is to pay {$700.00} for the management cut because they are the one in charge of your winnings and without that XXXX $ they won'e release. I already spoke with them so that's what they need and everthing is cool ''. Then " You have to pay XXXX $ for acceptance fee so your winnings can be completed then we are good bro '' Then " Good you need to authorized this payment with XXXX $ because it still pending here so you will get it without no issue because of XXXX limit so wan na waive the limit so you get your money in full without no issues and we good bro once again Congrat happy for you ''. After that he still request " Here is XXXX info - XXXX. Name - XXXX. Trasportation Reference - XXXX XXXX. Amount - XXXX $ ''. He requested anohter XXXX $ and i didn't pay him again. I realized he is scamming. I told him " If you want XXXX $ cut from my winning ''. He said " You can't cut from winning ''. I told him I will refund my money back. He said you can't refund your money during process. He said " The whole money to complete this process is XXXX $ and you already paid XXXX $ ''. He didn't tell me from the start i have to pay XXXX before getting the XXXX. He explained more and I'm not trust him anymore. After i paid first XXXX , my bank is pending to transfer him money to his number. He told me to request my friend. So, i transfer to 4 other friends and sent the money. I told him I really need money to pay my school tuition fee in XXXX. He said pay XXXX $ and I will get XXXX . * The total amout -- XXXX $ as a XXXX XXXX this amount is too much for me. * That's is happening in XX/XX/XXXX morning and i report the bank at XX/XX/XXXX evening. The bank give me other number and they can help me my situation. At that time, all transaction is pending. Unfortunately, all chase bank has technical issues and i can't do nothing in XX/XX/XXXX. I go to the local bank talk with them. I didn't directly transfer the money to scammer. I transferred the money to my friend then transfer to scammer. It is not grantee. So, I didn't refund my money back. In XX/XX/XXXX and XX/XX/XXXX the transaction is disputed with claim number. So, i called customer call department for claim my refund. They asked me again about the scam. After answering, there is no refund for authorized money. I can't refund. I also report this situation to ic3 website.
Company Response:
State: WA
Zip: 98092
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: Problem using a debit or ATM card
Consumer Complaint: XXXX XXXX I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX as I have for the past several months to wash my clothes. I utilized my business debit card to upload my laundry card with {$10.00}. The machine charged my card {$100.00}, I looked for the attendee to rectify the problem by no one was on site. I then placed the laundry card in my pocket and purchased a new card for {$11.00}, I then washed & dried with that card. Upon completion of my laundry the attendant had arrived and I explain the situation to her and she informed me it should be back on my card by tomorrow if not contact my bank & dispute the charge. XX/XX/XXXX the funds were not placed back on my card so I called Chase Business Dispute Department. When I explained the situation to the representative they refunded the incorrect amount of {$11.00} which is the correct amount of my purchase. I then called back into Chase and explained this again. On XXXX XXXX my account negative {$100.00} due to Chase reversal. They told me they didnt hear from the merchant and I would need to provide a receipt from the laundromat. The machine doesnt give you a receipt, I began to explain that the transactions are directly above one another on my business bank statement thats my only proof of the transactions. Trying to resolve the matter I then told the representative on the telephone call that Id take the laundry cards into the bank so that the merchant can either pick them up or the bank could mail them to the merchant so that I could receive my funds back as well as get my account out of the negative due to this issue, he agreed that would be the best way to proceed to correct this matter. On XX/XX/XXXX the cards were taken to Chase Bank located at XXXX XXXX XXXX XXXX, Ohio XXXX, given to the Assistant XXXX XXXX XXXX. He begin to tell me that he could not put money into my account with the cards and there wasnt anything he could do with the cards. I reexplained to him that representative I had spoken with over the phone had informed me to bring them into the branch so XXXX could contact the merchant to collect the cards or mail them out. I then called back to the Banks Business Dispute a department and informed them the cards were at the XXXX XXXX branch, they then told me that I would need to provide a receipt again. I went home and printed off my bank statement returned to the branch with them and spoke with Manager. Upon explaining to her she said it did not make sense theyre requesting a receipt and its on my transaction history of bank statement. Her system was down so she said she would call over to the Business Dispute Department and try to speak with someone. When she called in she explained that the machine doesnt provide any receipt but it was a purchased with my business debit card. They informed her the systems are down and they needed the receipt. She told me to return later and she would call back and try to rectify the problem. When I went back she placed an order for further investigation from the Dispute Department and she said theyll contact me to get the details needed. I called the Dispute Department and they informed me that they had closed the matter due to me not producing a receipt. XX/XX/XXXX I called and explained the situation to the laundromat attendee XXXX he told me, XXXX was the owner he comes in on Tuesday and Thursday around Noon and one to four or five in the afternoon and I could speak with him then in person. He gave me his personal cell phone number to call so he could tell me of XXXX was in on Tuesday. XXXX XXXX I went to the laundromat and explained the situation to the attendee an older women, she told me the bank would have to do it. I told her I had spoken with XXXX and he told me that XXXX would be in Tuesday, she explained to me that XXXX is the owner XXXX is just an employee she doesnt know why he told me to come see XXXX XXXX I told her the bank said they had contacted the owner and hes saying its a correct purchase, theyre requesting a receipt, she said the bank is giving you the run around theyre lying to you. She gave me the number posted inside the laundromat, which is the same number XXXX had given me. I didnt receive an answer so texted the telephone number and explained the matter. Still didnt receive a response or call from the merchant. I went back to the laundromat Tuesday XXXX XXXX upon my arrival XXXX was there he said XXXX XXXX come in yet and to call him later on in the day. XXXX XXXX I went back to the branch and spoke with the Assistant Manager XXXX XXXX to get the laundry card so I could take them up to the laundry mat and try to get my refund for exchange of the cards. He began to search on countertop, while his colleague snickered! He then looked up and said he had thrown them away because there wasnt anything he could do with them. I asked him why would he throw them away because he knew as well as the manager about the dispute. He told me to tell the laundromat to call him, I explained to him the laundromat wouldnt be able to check the balance now to refund me. XX/XX/XXXX I received a call from Chase Bank extensive business dispute department, representative name, XXXX called to get all the information for the dispute. She later informed me the matter had been closed and the decision would not be changed. XXXX XXXX I returned to the laundromat XXXX was there I showed him my bank statement showing the dates and transactions and that the bank had thrown out the cards now. He told me that the owner will be there tomorrow and bring that back with me. XXXX XXXX I received a call from Chase extensive business dispute department representative XXXX XXXX, she also collected details and told me it could take up to three to seven days to get a response and she would contact me when they send her the decision. She called XXXX XXXX and informed me that the matter was closed and it wouldnt be reversed! I have exerted all resources as stated to both parties I dont have thousands or millions of dollars in my account but its mine and I do everything required since Ive had the account since XXXX. As well Im a single mother with little income and that this isnt far that my account will be closed due to an error of a machine and human beings. Chase Dispute # XXXX
Company Response:
State: OH
Zip: 44108
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: I had an business account with chase, when I went to the hospital some fraud activity happened we got to the bottom of it they opened a new account and said they were going to send my funds over to the that account they never even after giving me dates when they were going to do so. I even had the bank manager following the situation for me they told her I will get my funds n she needs not to follow this situation anymore. And I feel like Ive been left to dry sill have yet to get my funds. Just called weeks after n decided they I wasnt getting anything
Company Response:
State: MI
Zip: 48207
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 received a call from my Chase branch office where I keep my Safe Deposit Box ( at XXXX XXXX from a number not associated with the bank ) indicating that the branch would be closing and for me to retrieve my contents in my Safe Deposit Box and to make an appointment to retrieve them. However, I told him I would be coming in that day to retrieve them. After securing the contents therefrom, I closed my Safe Deposit Box account and proceeded to make a {$12000.00} deposit from the contents in my Safe Deposit Box. The bank clerk/personal banker counted the proceeds ( holding the proceeds in his hand while counting ) to verify the amount and after verifying the amount, he left and proceeded to deposit them. However, the clerk return with the proceeds indicating that he had miscounted them and the amount only totaled {$11000.00} ( {$1000.00} less ). This time he counted the proceeds in front of me on the table in {$1000.00} stacks. At that point, I requested the manager of the branch to conduct an investigation who informed me that it would take some time to order the video surveillance ( from the corporate office ) and he would only let me if about the investigation if something appeared on the video surveillance without providing me any documentations of the theft. Later that afternoon I would return with law enforcement to document the theft. However, upon returning to the branch, the Manager ensured me that the investigation would be conducted and I will be notified when completed. Again, without any documentation of the alleged theft by either law enforcement or the bank. On XX/XX/2023, XXXX from the branch called me ( at XXXX XXXX ) to inform me that they had ordered an investigation of the theft ( missing funds ), and such an investigation ( review of video surveillance ) is conducted at the corporate level and they would contact me within a week but because of the XXXX XXXX weekend, it would be a little longer. I called and talked to XXXX about two weeks after our conversation and she indicated she have not heard anything from the corporate office and that she would call them and see what has occurred. On XX/XX/2023, I called the corporate office ( at XXXX ) and was connected to XXXX at Chases executive office and spoke with her about the missing funds and later that day she left me a voice message indicating no mishandling of the deposit was identified on the surveillance video ( see attached transcription ). I returned her call and left her a voice message regarding the review of the surveillance. In the interim, I filed a complaint with the Federal Reserve Commission which later informed me I had filed the complaint with the wrong agency. XXXX at Chase didnt call me back until XX/XX/2023, now she conceded the mishandling of funds, indicating although that proper cash handling procedures were not complied with, the personal backer didnt steal the funds. The personal banker is required to follow cash-handling procedures to maintain banking integrity. However, proper cash handling/counting protocol was not followed when the teller/personal banker counted the cash in his hand the first time instead of on the counter and pausing after every {$1000.00} ( since the denomination was all {$100.00} bills ). ( See attached Teller/Cashier Procedures Counting Cash 1, 4, 9, and 13 )! The deposit was mishandled when proper cash counting protocol was violated ( not followed ). Thank you, XXXX XXXX XXXX, XXXX
Company Response:
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A