Date Received: 2023-08-01
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Hello, I am filing this complaint due to Chase unjustifiably and suddenly closing my account and therefore causing me a large number of issues. I would also like to point out this company ( JP Morgan/Chase ) did NOT make any attempt to reach out to me about my checking account being closed. Instead, they locked my online banking account and sent me an email asking me to " sign in '' to check my messages in the online banking account. See the issue with that? Anyhow, the main issue I am currently struggling with is my car payment to XXXX XXXX being reversed after I initiated the payment with funds from my checking account with Chase. This payment was already due on XX/XX/2023 and as I am writing this, it is currently XX/XX/2023. This will affect my credit negatively, and thus, throwing me farther into what seems to be a recurring cycle in America regarding banks taking advantage of American citizens like myself. Upon opening the account, I was also promised {$200.00} USD upon my first direct deposit. I think it is no coincidence that well after I had made my first direct deposit, the account was closed by Chase. I spoke with 6 different agents over the phone ( calling from XXXX ) and I spoke with three employees at two separate branches in XXXX, PA yesterday ( XX/XX/2023 ). At this time, I am considering contacting my lawyer to pursue a settlement for the stress caused and the financial hole I have sunken into all because of Chase deciding to close this account, but I am more than willing to give them a chance to make this right. They are telling me ( after making me go into 2 different branches for absolutely no reason after claiming I would be able to retrieve my funds, wasting gas money and energy ) that they will not be able to provide my funds until XX/XX/2023 and that it can only be mailed to me as a check for the amount. I would like the {$200.00} that I was promised upon opening the account, as I completed all activities that were required to receive this payment, along with the {$780.00} that they owe me from my balance when they closed the account. To clarify, I have spoken to a total of 9 different employees that work for JP Morgan/Chase and they have all told me different things but most of all had come to the conclusion that Chase was unwilling to expedite my check in the mail, despite me possibly losing my vehicle to repossession due to this inconvenience they are causing me, which would then also sink me more into debt and ruin my credit score. Please, help me resolve this. With all of that being said, an expedited check in the mail or the option to retrieve my funds, a total of {$980.00} including the bonus offer of {$200.00} I was supposed to be given, would resolve this for me. If my car is repossessed, I will be forced to take legal action on this bank. Thank you to everyone at the CFPB for all of the help they offer.
Company Response:
State: OH
Zip: 44107
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023 at the XXXX, California branch, Chase Bank dispersed the funds and closed the bank account of my XXXX sister without my, my parents, or sister 's knowledge. Myself and sister were named as heirs in her will and these funds would legally have to be probated. We believe, they were dispersed to a non-citizen who may, or may not have submitted a false affidavit. Chase Bank would not provide the information and sworn affidavit which was used to secure these funds, after promising to do so.
Company Response:
State: MI
Zip: 48073
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2023, I applied online for a line of credit. Chase Card Services immediately denied an extension of my credit. This is 2 violations of ECOA / Regulation B by denying me and further discouraging me from applying for an extension of my credit.
Company Response:
State: TX
Zip: 75165
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Regarding Chase Claim # : XXXX My name is XXXX XXXX, and I am an XXXX in good standing in the State of Texas ( XXXX # XXXX ). I am writing because Chase fraudulently withdrew {$1700.00} from my Checking Account on XX/XX/2023, and I would like my money back immediately so I can pay my rent on time. FACTS XX/XX/2023 : I was fraudulently charged {$1700.00} on XX/XX/2023, for an XXXX XXXX XXXX XXXX TN purchase. XX/XX/2023 : I immediately made a claim with Chase stating that I did not authorize/make this purchase. XX/XX/2023 : Chase responded that they would NOT credit my account stating We found that the transaction ( s ) was processed according to the information you provided or was authorized. XX/XX/2023 : I immediately called Chase stating that I would like to appeal this decision as I have NEVER RENTED FROM XXXX in my life. I have absolutely no knowledge of this charge, and I have no contractual relationship with XXXX. Chase told me to dispute this with XXXX. XX/XX/2023 to XX/XX/2023 : I have been disputing the charge with XXXX, and they told me that I should contact Chase to get this resolved. XX/XX/2023 : After reviewing my bank account in its entirety following the DENIAL OF MY CLAIM, I noticed that XXXX XXXX XXXX XXXX TN also fraudulently charged me {$290.00} on XX/XX/2023. As such, on XX/XX/2023, I made a claim with Chase. For some reason, unlike the other claim I made against XXXX for {$1700.00}, Chase immediately provided me with the funds for the {$290.00} I was disputing from the SAME COMPANY. ISSUES ( 1 ) Even though Chase recognized a cognizable dispute with the XXXX XXXX XXXX XXXX TN and immediately credited me {$290.00} on XX/XX/2023, Chase STILL refuses to correct its denial of my XX/XX/2023, Claim against the same vendor ( XXXX XXXX XXXX XXXX TN ) for {$1700.00}. ( 2 ) All of the charges made by XXXX XXXX XXXX XXXX TN are fraud ( the {$1700.00} and the {$290.00} ). ( 3 ) I have never had a relationship with XXXX XXXX XXXX XXXX TN. I have never rented a vehicle from them. I have never entered any sort of contractual relationship with XXXX. Although XXXX wasnt supposed to, they accidently leaked the name of the person who allegedly made these charges and used my card, and I have no relationship to this person whatsoever! ( 4 ) Thus, the issue is that Chase wont refund my card, and my account has had a negative balance since this fraudulent withdrawal was made. I have tried to appeal Chases denial of my claim against XXXX for {$1700.00} over the phone but Chase told me there was nothing they could do. CONCLUSION Someone fraudulently charged my debit card for a rental with XXXX, and under state and federal law, I am entitled for my account to be debited the amount that was fraudulently withdrawn IMMEDIATELY - {$1700.00}. The XXXX record shows that I am not the person who entered into a contractual relationship with XXXX. The name doesnt match. Furthermore, Chase even acknowledged as much when it credited me {$290.00} on XX/XX/2023, for a second fraudulent claim I made against XXXX XXXX XXXX XXXX TN. I made this claim AFTER Chase denied my first claim against XXXX XXXX XXXX XXXX TN. It is XX/XX/2023. My rent is due today. Because of this negative balance, I will not be able to pay my rent on time and I therefore risk eviction. I ask that you help me communicate with Chase so that I am refunded my money.
Company Response:
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Chase erroneously rejected a wire transfer into my bank account, then charged the sender ( a family member ) {$50.00} for the rejected wire transfer. This was verified by the VP of the sender 's bank, but Chase refuses to do anything about it, and will not even discuss giving it back. Multiple calls with Chase reps and supervisors refused to discuss any process for refunding the erroneous fee, even if we get the sending bank involved in the discussion.
Company Response:
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Chase Bank is now denying customers the right to login to their accounts unless they sign a Consent Agreement to receive statements and other documents electronically. Based on my understanding, this is a violation of Federal law. Customers have the right to instruct financial institutions as to what documents, if any, they would like to receive electronically. This consent should not be procured via extortion. Your prompt attention to this matter would be greatly appreciated.
Company Response:
State: FL
Zip: 33076
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A Chase credit card was opened in my name fraudulently on XX/XX/2023. I received a bill in the mail for {$95.00}. I thought this card was an existing Chase account as I have several and paid the annual fee sometime in XX/XX/2023 I believe. Upon paying the bill, the following day I went in to check an existing account and noticed over {$1000.00} in charges were made to the card. I called chase to tell them I did not make these purchases and the issue with paying the annual fee. I have gone through XXXX thorough investigations, both resulting in Chase telling me I am responsible.
Company Response:
State: VA
Zip: 22408
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I have a Chase Freedom credit card, and when I go to log in online it now asks me to accept a Digital Services Agreement which is 125 pages long. I am not going to read through such a long agreement with Legalese which is obviously in favor of Chase Bank. Why can't they just include any changes that are being made to the original services agreement I signed when I opened the account? It is obvious they want people to just shrug their shoulders and sign the agreement without knowing what they are signing or the risks to their account or credit. Is their any recourse that customers have to amending or eliminating such an agreement?
Company Response:
State: NY
Zip: 130XX
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: From XX/XX/2023 to the present there is no access to this checking and savings account. There is a negative balance which has been sent to the check and banking reporting service and there are several transactions which have occurred where nothing has been delivered or purchased on the account. There are also bank cards that have been issued on the account and someone has been calling the bank to have any previous credits which were issued as a result of fraud reversed for the charges to be deducted from the account. Most of them are internet purchases.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XX/XX/XXXX My wife and I returned home from a vacation in XXXX and were alerted by Chase of possible fraudulent credit card activity in the amount of {$52.00}. I confirmed that this was definitely unauthorized activity. Chase told me to stop using this account and they would issue new cards which we should receive in 5 to 7 business days. XX/XX/XXXX I contacted Chase Customer Service to notify them that we still had not received our new credit cards. I was informed that the account had been permanently closed on XX/XX/XXXX, at my request, and so new cards had not been issued. I told the customer service representative that I had done no such thing. Why would I be calling to report that I had not received our new cards if I had permanently closed our account? She told me that the only way Chase could re-open the account was for them to listen to the recordings of the XX/XX/XXXX conversation and the review would take up to 7days. XX/XX/XXXX My wife, thinking that none of this made any sense, called Chase Customer Service. She could not understand why Chase would not simply re-open our account and issue new cards, as promised. The first representative was unhelpful so my wife requested to speak to her supervisor. This gentleman indicated that he understood exactly what had happened and he would try to fix the problem. After leaving my wife on hold for a few minutes, he returned to apologize that he had tried everything in his power to re-open the account, but was unable to do so. He connected her with his supervisor who stated that the problem was that our account was a joint account which Chase had not offered for at least 10 years. He stated that according to banking regulations, the only way this account could be re-opened was if they reviewed the recordings from XX/XX/XXXX to determine if the conversation was " ambiguous or unambiguous '' and that it would take up to 7 days. XX/XX/XXXX Chase still had not contacted me, so I called them to see if they had made a determination. Over the course of a 49 minute phone call with several representatives it was never quite clear if they could not locate the recording from XX/XX/XXXX, or the recording was unintelligible. Whatever the case, Chase could not produce any evidence that showed that I had told them to permanently close my account. But, none of that mattered. The bottom line was that the account was permanently closed and could not be re-opened under any circumstances. I was told that our only option was to reapply for a new account. At that time, I informed them that if we had to go through an application process, it would not be with Chase. On or about XX/XX/XXXX Our monthly Chase statement came in the mail. Upon close examination my wife discovered some odd things. 1. The account number on the statement was different from the number on our credit cards. This indicates to us that they knew that we had not " permanently closed our account. '' 2. Under Account Messages there was a statement that " transactions designated with an & have been transferred from lost/stolen account. '' All of the charges on the statement were designated with an & except the final charge. This charge was legitimate and we do not wish to dispute it ; however, the lack of the & designation indicates that the new account number had been issued and used for this transaction. I believe that this demonstrates that I never instructed Chase to permanently close our account. The error was theirs, not mine. Additionally : Further evidence that Chase representatives had mishandled the original call of XX/XX/XXXX is that during this same call, I requested a copy of my current charges to see if there was any other fraudulent activity. Approximately one week later I received an envelope in the mail with a letter dated XX/XX/XXXX stating that, as per my request, they were enclosing a copy of my billing statement ( s ). Enclosed were copies of my statements from the previous three months, which I had already received and paid, but none of my current charges. Several days later, I received another envelope from Chase. The enclosed letter was identical to the previous letter except that it was dated XX/XX/XXXX. Once again, the envelope included the same copies of statements from the previous three months, but none of my current charges. My wife and I have had this Chase Freedom Visa Card since XXXX and have always been card members in good standing. After 35 years and through no fault of our own, our account was permanently closed. Chase has repeatedly claimed that this was done at my request. They lied. I would not. I did not. This has been a major inconvenience for us. My wife and I have spent hours on the phone trying to straighten out this mess. We have had to research and then apply for a credit card with a different bank. We had to temporarily unfreeze our credit report in order to complete the application process. And we have been without a Visa card for a month. At this point, the balance on our account has been paid in full, and we have no desire to do any more business with Chase. However, we do think that a formal letter of apology is in order. And we want to make sure that our excellent credit rating is not negatively affected by the closure of this account.
Company Response:
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A