Date Received: 2023-08-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Hi! On Saturday XX/XX/XXXX I want to my branch in XXXX tx to deposit XXXX the atm took ALL the money but I still missing XXXX dollars. I told the lady in the bank and she told me to call. I called at the exact the same moment and did my claim. The guy in the phone made the claim for XXXX which is wrong. Cause I see some money in my count but Im missing XXXX. I already made XXXX phone complaints and both were denied. Im overseas now so I can not go in person again. The last time I called the customer service representative gang on me. I looked online and this same issue happened to many people before. The deposit was inside the bank in business hours. Im honestly can not understand how the case refused to give my money back. FYI I have my accounts and credit cards for them for years. My credit score is XXXX. The bank should have cameras that should the ATM returned bills to me twice and I put everything inside again. When the day finishes it must be XXXX dollars extra that they are mine. Please help me with these cause I really need the money. I tried exposing them un XXXX too but since I dont have many followers it didnt work.
Company Response:
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I have a credit card with chase. Chase put out an offer/advertisement to borrow against your credit card at more than 50 % lower than the rate on credit card. This was very attractive so I took it to take advantage of the lower rate. It turns out that this was not actually a good deal as this can mislead many vulnerable consumers who are looking to lower there rate hence lower their aggregate expenses, get more into financial trouble waters. As soon as I realized this, I called chase back to express my concern and requested the loan be cancelled. Chase representative told me they can not reverse the loan since it has been submitted. I was advised that the only thing I can do is to pay the money back once it is cleared, so agreed. As soon as the money get cleared I pay back the entire money. To my surprised when I view my statement I discovered the minimum was based on the loan already paid off. Now they are charging me interest on the loan paid off and balance on the credit card. When I called them again, the representative told me I still have some balance on the loan.
Company Response:
State: NJ
Zip: 07083
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: Other problem
Consumer Complaint: Chase Bank was notified via document upload and through registered mail delivered today to their registered agent in the state of Florida that they have 30 days to refund my money pertaining to dispute XXXX. If I'm not refunded in 30 days, small claims court and/or arbitration will be initiated. A purchase was made with my Chase credit card, and Chase denied my dispute despite never, and to this date, having received anything from the merchant, and the merchant confirming order was not fulfilled and them being unable to issue refund. This noticed is being sent to Chase as further evidence to be used in court that they were properly served and notified. And hopefully government employees monitoring bank compliance can read this and realize Chase bank is not investigating disputes correctly and shifting the responsibility to customers. This issue was also reported to the Federal Trade Commission. Furthermore, a notice was sent to Chase requesting all internal information and communication pertaining my dispute to be used in court. To any government employee monitoring this, Chase 's Executive Office doesn't do anything. They send a copy and paste answer and never address the concerns.
Company Response:
State: FL
Zip: 331XX
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 on a mortgage
Subissue:
Consumer Complaint: Chase did not provide right to rescind paperwork which is a violation of RESPA. They must provide by law immediately.
Company Response:
State: WI
Zip: 53072
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: On XX/XX/2023, I order two items on XXXX, A motor scooter for the amount of {$1000.00} and the protection XXXX for the amount of {$130.00}. On XX/XX/2023 I decide to cancel the order, without succeed, therefore I start a dispute thru my bank. My bank credit me the money until the dispute was resolve. I got in contact with XXXX and they inform me that I need to close the dispute for them to refund my money, what I did. I never receive any information or state of the dispute, but because I have the money I thou that everything was ok. On XX/XX/2023 I saw the withdraw of the {$1000.00} and {$130.00} from my account again, for what I got in contact with my bank, they told me XXXX was having the money, call XXXX and they say they never receive the money, after going back and forth for I don't know how many times and couple a day, the Bank told me that my debit card visa was the one holding the money, that they will release from XXXX to 45 days, they give me XXXX numbers to give to XXXX so they can ask for the payment, when I told them that XXXX already send me the confirmation of the dispute on my favor. Why they want to keep my money
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2023 I mailed an endorsed bill, Power of attorney, Federal reserve act 16, and instructionals ( claim of credits ) indicating to apply the principals balance to the principal 's account for each and every billing cycle for set-off. I also instructed the CFO XXXX XXXX to communicate in writing within 5 business days once instructions are completed. If instructions are not completed, I instructed the CFO XXXX XXXX to respond in writing within 5 business days giving a reason for non-performance of fiduciary duties. If no communication is made within 5 business days I can assume that instructions have been completed.Not letting me access my equity/interest which is an indication of violation of securities, breach of contract, and security fraud. They received letter on XX/XX/2023. ( tracking # XXXX ) Never got any response. On XX/XX/2023 I mailed another endorsed bill, federal reserve act 16,29 ( Civil Money Penalty ) and instructionals ( opportunity to cure ) stating the same thing as the first packet that I mailed. They received on XX/XX/2023. ( tracking # XXXX ) Still got no response on the issue or that it has been complete. On XX/XX/2023 I mailed another endorsed bill, Federal reserve act 16, 29, and the same instructionals as above. ( Notice of Default ) They received a packet on XX/XX/2023. ( tracking # XXXX ) Still no response and still account is not credit as instructed.
Company Response:
State: SC
Zip: 29673
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX XXXX fraudulent withdrawals were made in small amounts from my account totaling in {$1200.00}. Chase reached out to me by text, phone, and email that day warning of fraudulent activity and I confirmed with a representative over the phone that the withdrawals were fraudulent. As of today, XX/XX/XXXX Chase 's investigation concluded that these withdrawals were not fraud claiming " We found that the transaction ( s ) was processed according to the information you provided or was authorized. '' I dispute this conclusion as these withdrawals were not made by me. Additional details follow : I was in my apartment when I received a phone call from a number that appeared to be a local Chase Bank. The phone number was XXXX XXXX XXXX XXXX XXXX ( see attached screenshot ) and they claimed to be with Chase Fraud Prevention. During the phone call they accurately listed my last four transactions on my checking account and then asked me to verify a charge I had not made. I told them this was a fraudulent charge and they proceeded to send a text message with a verification code and collect my information including my ATM pin number. It was during this phone call that 10 fraudulent withdrawals were made in small amounts from my account totaling in {$1200.00}. During the phone call, I received an email from Chase ( see attached email ) saying my Chase Card had been added to XXXX XXXX. I did not add this card to my XXXX XXXX XXXX and at no time did it appear in the digital wallet associated with my XXXX XXXX. Speaking with XXXX XXXX, they have no documentation of the Chase Debit card being added to my digital wallet and it is not listed under previous cards associated with my digital wallet. See screenshot of previous cards attached to my wallet. When the fraudulent withdrawals were made I received an email from Chase Fraud Protection ( see attached email ) warning me of fraudulent charges. I selected the no something is wrong button in the email and proceeded to speak with a Chase Representative describing to me the unusual nature of multiple small amounts being withdrawn from my account and I confirmed these withdrawals were not made by me. The representative then stated they closed my account and removed my card from an XXXX XXXX ( which was not associated with my XXXX XXXX XXXX ), and told me that the charges were pending and would be reversed. However, the charges were not reversed. When the charges had been posted to my account the next business day, I called Chase back to check on the status of my account. The representative informed me that the paperwork to flag the charges as fraud had not been processed correctly and the claim had not been opened. I dispute Chases premise that the charges were authorized, given the sequence of events stated, the attached evidence, and the legal definition of unauthorized Electronic Financial Transactions. Under the ruling from the Consumer Financial Protection Bureau, Regulation E states that : An unauthorized EFT is an EFT from a consumers account initiated by a person other than the consumer without actual authority to initiate the transfer and from which the consumer receives no benefit. 12 CFR 1005.2 ( m ). Unauthorized EFTs include transfers initiated by a person who obtained a consumers access device through fraud or robbery and consumer transfers at an ATM that were induced by force. On XX/XX/XXXX, the Bureau further clarified regarding the unauthorized transfer and error resolution provisions under the Electronic Fund Transfer Act and Regulation E, including situations when a consumer is fraudulently induced by a third party to provide their account information or private network rules conflict with the regulation. This definition applies to the 10 ATM withdrawals totalling {$1200.00} made on XX/XX/XXXX, defining them as fraudulent. They were made by a malicious actor who did not have authority to make the withdrawals from my account. They fraudulently induced me into providing account information and verification, which is protected under regulation E, and therefore I am entitled to a recovery of my funds. With this information, I dispute the denial of my claim and reassert that these withdrawals were not made by me.
Company Response:
State: VA
Zip: 222XX
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Hi, I am a proud chase bank customer, but I am not so proud as of this past year. Reason being on multiplications theres too many today where Ive gone to pay bills and my important bills to get sent back and Chase decides to take small, petty subscriptions out of my account, which draw my account negative instead of Charging the actual bills that need to be paid and double dipping on their fraudulent and sketchy overdraft policy. Ive noticed that when I try to make a payment and I have a few dollars left over after I pay a car note the car note goes through, but then a few minutes later a XXXX subscription comes in to play. It makes my account negative instead of them taking my negative account and blocking that XXXX to subscription they put that on my account and bounce my car note. I am not able to process bills as I wish because of this XXXX double dipping on fees. Theyve done this numerous times and every time I call and ask about what is up with all these overdraft fees they say Im sorry and give it right back, but I shouldnt have to keep calling them every time and having them reversed my overdraft fees then not only that when I do call they said that they already gave me an overdraft reimbursement for the month and I dont have another one available for another month or two so Im trying to figure out how I owe money that I dont have an account to them when they are the ones that are double dipping and taking money out of my account, knowing theres no money in the account, not only this Im having another issue with my car loan and which my car I made payments and I havent been late on payments until recently when the market really went downhill and Ive noticed that when I checked how much I still owe after 6 to 7 months I still owe the bank, the same amount of money even though I made payments so Im figuring out that XXXX XXXX XXXX in XXXX XXXX Missouri is doing some shady and scamming stuff as well. I say this because every time I look at my monthly balance it has not dropped under {$31000.00}. Ive been paying majority of interest for the last 6 to 8 months and they never told me or inform me about what I want to put my payments for. I wanted to make sure I paid off the principal first so I could still sell my car and have value to it now my car has no value and Ive lost almost {$20000.00} in value on my car. My car is a XXXX XXXX XXXX XXXX XXXX. I bought the car for {$40000.00} now its also, a victim of the shady practices of the financial manager of XXXX XXXX XXXX XXXX XXXX XXXX dealership. I was taken advantage of again by the finance manager, by adding a whole bunch of stuff onto the car when I looked at the note before I shook hands with the salesman on a payment of {$36000.00} I went to the finance office and I hiked the price up to for almost {$41000.00}. I bought this car exactly 2 years ago XX/XX/XXXX. I did the math on my phone and my payments for {$590.00} a month which was very cheap on a 5.24 % interest rate. How am I still so far away and paying so much interest. I did the math. My term is 70+ months and my yearly annually payments for that car is just north of {$7300.00}. I am seeking remedy for the past year of nothing but overdraft fees that they continue to take out when I have overdraft protection, and they still charge my card. I also want to seek remedy for them, baiting me and taking advantage of me at the dealership and taking advantage of my monthly payments, putting it all towards their interest instead of the principle of my car payment where Im doubling and tripling the amount of the vehicle. You may be saying well youre paying over 70 months so its going to be majority of interest they never told me I was paying extra on top of the {$40000.00} that they put me on the loan for the loan was supposed to be the sum of all charges That means I wasnt supposed to pay more than I signed up for so my question is, where is my money going when their interest be calculated into the price of the vehicle?, it is not fair and I demand answers.
Company Response:
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/23 at XXXX ( PST ) our company, XXXX XXXX , sent a same-day domestic wire of {$26000.00} to our Business Checking account at JPMorgan Chase, these funds were from our invoice factoring company XXXX XXXX and the wire was sent from their account at XXXX XXXX XXXX . After the funds were not received by about XXXX I began making inquiries with XXXX XXXX to confirm the wire had been sent as well as Chase to make sure it was received. XXXX was able to confirm the wire details and provided written confirmation with a XXXX XXXX #, however Chase at first claimed to have not received the funds, then only after being provided with the proof from XXXX XXXX XXXX did they admit they had indeed received the funds, but the wire was being put into review while further information had been requested from the issuing bank. I asked what information was requested so we could followup and confirm with XXXX XXXX that the information was complete but we were told it was confidential bank information and couldn't be shared. I spent XXXX hours on the phone with various departments until I was told there was nobody else that could help and to call back the following day, despite the pleas from us that the delay of these funds would cause our company extreme harm as our fleet insurance payment was pending to be covered by this wire. Chase made no honest attempt at resolving this issue in due time and their lack of serious attention to this matter may have caused our company to be at risk of closure. As of XXXX tonight, XX/XX/23, the funds remain in review and we continue to suffer the financial consequences of Chase ' terrible customer service and questionable banking practices. I attempted to escalate this to their Executive Leadership Team and was told they only respond via a CFPB complaint, which I'm more than happy to log against them. This is bordering on theft at this point and I want a serious investigation as to what Chase is doing with customer funds while they supposedly " review '' these transactions, because if these funds are sitting in anything other than a trust or escrow account then I believe they're doing something potentially illegal or outside of regulatory rules for use of customer funds.
Company Response:
State: CA
Zip: 92154
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: JP Morgan Chase Bank has refused to provide all credit card statements for this account, which has inhibited my ability to dispute charges and late fees assessed on the account. On numerous occasions I submitted payments above the amount due and the bank refused to move the due date and the payment amount for making an advance payment. XXXX XXXX would assess late fees even though I submitted large payments on multiple occasions in previous months, which made it very difficult to maintain a relationship with the financial institution. In addition, they would charge interest that was grossly unfair to a XXXX XXXX Veteran. JP Morgan Chase continues to report unsubstantiated ( incorrect ) amount to all three credit bureaus.
Company Response:
State: FL
Zip: 32832
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A