Date Received: 2023-07-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Only XX/XX/XXXX My debit card and ID were stollen from my wallet. On XX/XX/XXXX These items were taken to a Chase bank where money was withdrawn from my savings account. I called the fraud and claims departments and put a freeze on my account. Only XX/XX/XXXX there was another withdrawal from my checking account. I called Chase because my account should have been frozen. They froze my savings account but not my checking. Both accounts can be accessed with my stollen debit card. I have two factor authentication set up on my account, I received the OTC from the bank when the withdrawal was made. Evidently a teller is giving someone cash from my account with only my debit card and ID and not visually verifying their identity or requiring a pin or actual 2 factor authentication. A teller has also given away my checking and savings account numbers.
Company Response:
State: TX
Zip: 77379
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Greetings, Chase has closed my account due to the overdraft fees. The issue is I can't open a new account immediately and there is a due balance on my credit card that I can only pay via a bank account.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX XXXX there were several unauthorized atm withdrawals from my account in the amount of {$200.00} each. The total came to {$800.00}. I did not receive a singe txt freud alert message from chase. Attempted to put in a claim to resolve the issue. After speaking to countless customer service representatives, it was determined that I was responsible. JP MORGAN robbed me on purpose. They have the FDIC TO COVER THEIR LOSES. I have. They loose in the end.
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2023, I made an electronic transfer from my JP Morgan brokerage account under my name to my Chase checking account also under my name. I have made successful transactions between my accounts before. The transferred amount was successfully posted on my checking account on that day and was available to me. However, on XX/XX/2023, the transferred amount was entirely erased from both of my accounts. I called both Chase checking and JP Morgan investment regarding my accounts to resolve the issue. Both acknowledged they encountered a system error, but refused to credit the lost amount back to my account. Meanwhile, my primary checking account with Chase was hit with overdraft and incurred other financial losses to me because I am unable to withdraw my money from my Chase account.
Company Response:
State: CA
Zip: 94089
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: XX/XX/XXXX - Chase Sapphire Preferred card was opened via online form ( applied via Chase website and was approved ) I miswrote the address and had to call to get the address changed. Every large purchase I make on the card, I get flagged for fraud or 'fraud protection ', even when I call the Chase customer service line before and after the purchase to confirm it is me making the purchase. Chase refused to verify my phone number and only calls me regarding my personal account by calling my father 's phone number. When I stated that this is a breach of my privacy as it's not my own phone number, Chase bank representative said the only way to verify my phone number is if I created a separate phone line from my father and had the bill in my name. ( They repeatedly claim they do this for security purposes- however, calling another person regarding my financial account is NOT secure. ) I have called them repeatedly, nearly daily for a week at the end of XXXX, and every single charge I make is marked for fraud. I go into a Chase bank branch and they tell me they can not help me in-person. Every time a Chase bank representative talk to me, they tell me my card is clear to use. I make a purchase and then it is immediately marked for fraud. My card is not usable. XXXX XX/XX/XXXX- Through daily calls with Chase bank customer service, a Chase bank representative tells me that the fraud team will review all my charges and that I can not and must not use my card until the review is clear. I receive no communication from Chase bank for the next month. XX/XX/XXXX- I call Chase bank and get transferred to the fraud team. They say another charge, made on XXXX XXXX is still under review and they will have to have the fraud team view it. My card has not been usable for a month. I believe with the sign on bonus of spending {$4000.00} within 3 months, Chase bank is purposely marking my account as fraud so that I can not receive this bonus. I believe they are making it difficult to use my card because the large purchases I am making ( $ XXXX ) that I repeatedly call them about to clear will make it so that I will accrue many points in a short amount of time and therefore reach this sign on bonus before they anticipated, therefore they are purposely keeping me from making purchases in hopes that I do not reach the {$4000.00} threshold to receive the sign on bonus.
Company Response:
State: CA
Zip: 92841
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On Thursday, XX/XX/XXXX, I called into Chase Bank to inquire as to why my debit card wasnt working. I was told at that time that my accounts were being closed. I have continued to follow up so that I can get the funds that were in all XXXX accounts that they closed. They kept saying 10 business days and I would receive a check. This week I got letters saying the accounts werent closed until XX/XX/11 and the 10 business days started then. Its been more than that already. I can not pay bills and am delinquent on a few because of this.
Company Response:
State: TX
Zip: 75240
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I received a cashiers check for {$20000.00} I reached out to Chase bank and asked their policy. I was told that likely the check would be placed on a hold however the back office could release the check within a day or 2. Upon receiving the check I went to my local branch and prior to depositing the check I asked the teller about the hold times. She stated that it could be up to 7-10 business days but she would not know until she made the deposit. She also stated that once the system lets her know if I chose to cancel the transaction I could receive that check back. Once she processed the check she gave me a receipt indicating a release date of XX/XX/2023. She said to call the number on the bottom as they can provide more insight as to the time frame. I sat down at the branch and called customer service. The customer service representative explained I would have to call back today XX/XX/2023 and speak to a representative. He specifically told me that he assures me there is no need to cancel the transaction and once the funds can be verified today XX/XX/2023 they would be released. " I assure you XXXX XXXX we WILL resolve this for you tomorrow '' therefore leading me to believe this would occur. I called this morning and after XXXX transfers am now being told that they WILL NOT be releasing my funds to me in part or entirety until XX/XX/2023. It is pathetic for a financial institution of any caliber but especially of this caliber to take advantage of and mislead their consumers to believe once thing and do the exact opposite. Again, this is a cashiers check issued to me from an estate account as a result of my mothers death. Regardless of the hold I am familiar with The Expedited Funds Availability Act ( Regulation CC ) which has also been brushed to the wayside in this scenario. Once these fund are made available I intend to return to the branch withdraw every cent and close my account. I do not appreciate Chase representatives taking advantage of my lack of knowledge as a consumer and misleading me with fictitious bait and switch statements.
Company Response:
State: CO
Zip: 80910
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I did a transfer between my Chase accounts for {$6300.00} on XX/XX/25 and Chase will give me no time frame as to when these funds will be available. Please keep in mind this is from one Chase account to another so I can pay bills through my Chase checking account. I have spoke with five employees and only told they have no idea.
Company Response:
State: CA
Zip: 91302
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX XXXX : Virginia Zip : XXXX Email Address : XXXX 15 U.S. Code S 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under. 15 US Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which Violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Company Response:
State: VA
Zip: 235XX
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
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 am reaching out to the CFPB as both parties involved ( Chase Freedom credit card and XXXX ) have not resolved my issue and this has been going on for over a year and a half. I find that government intervention may be able to fast track either party making me whole. I originally disputed the XXXX charge on my Chase freedom credit card for a fare difference. The receipt I was given at time of purchase stated XXXX yet I was charged {$980.00}, this was due to a currency conversion ( pounds into US dollars ) so that original dispute was re-charged to my freedom account, which was fine as the error was on my part. The reason I RE-disputed the same charge ( without success ) is as follows. XX/XX/2021 I logged into the XXXX XXXX to attempt to select my seats for my flights. I was instructed that I needed to manage reservations via the airline carriers, which was fine ( so I thought ). I entered the confirmation # s provided by XXXX at both United and XXXX XXXX and resulted in trips not found. I called both airlines, United airlines told me that there was no reservation and no flight under my name and confirmation number but that they could see it was originally booked by a " travel agent '' but had since been cancelled. I NEVER requested a cancellation. XXXX XXXX was less helpful and said there isnt anything they can do and that I dont have a booking. I went back to the XXXX site to do some investigating while being on hold with their customer service for 26 min ( I have an {$81.00} international phone charge from XXXX to show it ). They never answered so I browsed the site trying to glean any information that I could. The last screen shot is the information that I found, essentially stating that since I disputed the charge originally that it was now in the hands of my bank. So now I have {$980.00} charged to my card but have no product/service to show for it. As you can see from the screenshots my flight was supposed to be in less than a month and I had to purchase new flights. I am being held liable for a purchase that resulted in no goods or services being rendered. Both Chase Freedom and XXXX continue to say the other party has to resolve and this has been going on back and forth for over a year and half. I've accrued insane interest charges, negative credit reporting and a have not been able to use my credit card in the way which I intend due to this charge continuing to sit there. I ask that this issue be resolved immediately as it is an unfair deceptive and abusive practice. I'm stuck in the midst of a " he say/she say '' battle between two companies resulting in an undue burden to myself. I've attached screenshots of documents and confirmation # s and subsequent cancellations and can provide the email trail with XXXX if necessary. They have since changed their " communication '' model and you can no longer communicate via email with a service representative for them so it is incredibly difficult to contact. That said, they've made it clear that it's on Chase to resolve the issue. Chase is refusing to do anything.
Company Response:
State: GA
Zip: 30319
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A