Date Received: 2023-07-25
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023. Errors by Chase Bank resulted in duplicated XXXX Transactions to overdraw my account. A transaction was wrongly processed for {$2300.00}. As a result my account went negative. The bank confirmed this error was on their part. Because my account was overdrawn, I had no access to any of my funds in the account. It took 24 hours for the bank to reverse the transaction and return funds to my account. I communicated my dissatisfaction to the bank both while on the phone the day of the issue and via direct message on XXXX. No compensation for this improper removal of my funds was provided. There was little concern about the issue in the responses I got back from Chase. I don't understand how the bank can take my funds from my account without permission and not be held accountable or not have to provide compensation for this mistake.
Company Response:
State: IL
Zip: 60657
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Upon receiving and reconciling my bank statement for Chase, I found that there had been an unauthorized deduction from by account in the amount of {$1000.00}. The description stated " XX/XX/2023 XXXX payment to XXXX XXXX XXXX XXXX debit - {$1000.00} '' I do not have a XXXX account, I have never used or authorized a XXXX account and I have no idea who XXXX XXXX is. I notified Chase bank of the fraud on XX/XX/XXXX. On XX/XX/XXXX they notified me that they were giving me temporary credit and returned the funds to my account. On XX/XX/XXXX they provided the following : Here 's what you should know We found that the transaction ( s ) was processed according to the information you provided or was authorized. As a result, we are removing {$1000.00} from your account on or after XX/XX/2023. If the account the claim is related to is no longer open with Chase, and you don't have an open account with Chase for us to debit, we may request you to repay the credit ( s ). Contact us if you would like to request the information we used for our research I contacted them immediately, on XX/XX/XXXX and again reiterated that the transaction was unauthorized, as I do not have a XXXX account, I have never authorized a XXXX account, I have never used XXXX on this account or any other account. After an extend discussion an my persistence, I was referred to the " XXXX XXXX ''. They opened up a case, assigned a case # and told me someone would be in touch and I did not need to take any other action or calls. On the following Monday, XX/XX/XXXX I received a call from the assigned representative. She indicated that it would be reviewed and I would be notified. I did not hear back from anyone and on Friday, XX/XX/XXXX Chase deducted the {$1000.00} from my account. I called the XXXX XXXX and had to leave a message. I did not hear hear back. so on Monday, XX/XX/XXXX I called again and had to leave another message. I did not hear back so I called again today XX/XX/XXXX and left another message. Then I hung up and called back, this time I did not dial the extension number but waited to talk to someone. That individual got me in touch with the assigned rep who told me that the claim had been reviewed and denied and there was nothing else Chase could do. I expressed my frustration with them and asked what I need to do next. That said I would have to take it up with someone outside of Chase. I asked who. To which she responded she didn't know. I asked her what government entity regulated them. To which she responded she didn't know. I asked for someone that did know. To which she again she replied no one there knew or could help me. This transaction is obviously fraud. How can a bank that is entrusted with my money just allow {$1000.00} to be taken out of my account. Not provide me any proof or evidence of it validity? Many times during my conversations I asked what government regulatory branch I could contact or complain to. I was never given this information. I found it by googling and researching it on my own. Is the bank not required to provide this information? I need to get my funds back and I would like the Chase Bank to be held accountable. They should not be allowed to treat people this way.
Company Response:
State: TX
Zip: 78232
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX a customer sent me a check for services, under the email of XXXX This was the first time I ever dealt with e checks, so I deposited following the steps provided by my bank. I immediately noticed, after depositing, that the amount was wrong and more then what they said I would get. & eventually started spamming me that they needed the refund asap. I also noticed that the name on the check was different then thier name. Originally contacted through XXXX under the name of XXXX XXXX the deal was I would help them program a XXXX XXXX for {$300.00}. ( They deleted the XXXX account they had already ). They sent me a check for {$500.00} instead. Under XXXX XXXXXXXX XXXX located in Texas. I have copied of the checks and the original email still. The phone number they used to communicate with me was : ( XXXX ) XXXX I still have all interactions saved from here. So I told them I'd refund them in a few days once the bank cleared the check just in case it bounces, to protect myself and they were saying that e-check are instant and work differently then checks. I XXXX this and found this statement to be untrue but I told them I would call my bank and explain the situation and would only refund them if the bank gives me the ok. So later in the day I called Chase bank while XXXX was at my day job, I explained to the operator very clearly that I never worked with e checks before, and feel that I received a fake check and was afraid this would bounce. & that if I refunded the customer I would be out of money. Prior to calling I XXXX that sending checks out and asking for refunds was a common scam, and saw the following red flags, which I clearly conveyed to the chase employee : 1 ) The name they contacted me with was different then the check and also different then the XXXX account they wanted me to refund. 2 ) They were trying to get me to refund asap 3 ) the fact that they sent the wrong check to me in the first place was also a huge red flag. I voiced all these concerns and stated multiple times that i believed I was getting scammed and needed help. After some time on hold she said that the she checked and the check was OK and promised me it wouldnt bounce and she would transfer me just in case to report fraud. So after the phone call I refunded the customer for XXXX using XXXX : XXXX payment to XXXX transaction number XXXX has been approved for {$500.00} I don't know what else I could have done at this point? I called my bank and clearly explained the situation and all the red flags I had. They said the check was cleared and wouldn't bounce. I hear this from my bank and I think I have to refund the money at this point. It's not my money, the bank said it's OK, who am I to argue?
Company Response:
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Chase continues its abuse by quickly posting fraudulent charges to my Amazon VISA card without reasonable explanation or justification, while habitually denying credits Ive requested for many incoherent, unauthorized Amazon charges posted to it. Recently I requested numerous credits for unrecognized Amazon charges that Chase refused to credit. With Amazon, Chase is busy defrauding card holders unceasingly and undeterred, the very epitome of a repeat, habitual offender. It continues to routinely flout reasonable norms and laws, arbitrarily posting charges without proof that I received anything for the charge other than more fraud and abuse, despite my telling it that I do not recognize the recurring charges and did not authorize them. Yesterday I confirmed via online banking, that no fewer than 6 Amazon affiliated sources have stored my card information and are posting charges to it. So it is no surprise that many of Amazons debits to the card are unintelligible and indeterminate ; they cant keep their charging mechanisms or sources straight. There should be one and only one source for Amazon charges, with reasonable, coherent, uniform standards and identifying explanations in Standard Written English for any charge posted to the account. This is not the case. Chase always fights to force me to pay for a plethora of incoherent, unidentifiable, illicit charges from Amazon that it should never allow to post to the account to begin with, let alone demand that I pay for them. Many appear to be multiples of the same indeterminate charges. Neither the CFPB, nor the FTC, nor any regulator has stopped it so far from doing so. Instead, regular, unintelligible, unauthorized charges originating from no fewer than 6 of Amazons brainless machines or charging sources bloat Chases junk fee pirating because no one stops it. I am forced to waste hours on end monitoring this accounts fraudulent activity, then I have to complain to the CFPB when Chase stonewalls my demands that these illicit charges be reversed. When I called Chase recently to issue credits for these charges, it refused, as it always does, until the CFPB forces it to issue the credits. I made specific, detailed requests for credits for several charges going back for months. Amounts and post dates were listed in the conversation I had with Chase. At this point, Chase should be forced to issue the credits I requested, sanctioned for posting them to begin with, and barred from allowing more than 1 charging source from Amazon on this or any other card. Portions of Amazon and Chase that do not stop these practices should be closed down. Chase should not be allowed to post any Amazon charge to this or any other card without a coherent, literate, reasonable explanation of what any charge is for. Most important, it should not be allowed to charge for phantom goods or services that are never delivered or received which it does now without hesitation or prohibition. Imminent strikes by no fewer than 3 national delivery vendors ( XXXX, XXXX, and the XXXX largest XXXX XXXX in XXXX XXXX ) may be catalyzed in part by being forced to deal with Amazons and its junk bankers bloated charges, sloppy practices, and their facile, egregious abuse of consumers and businesses alike that are forced to deal with Amazons and Chases poor operations and mutually forged, electronic predations.
Company Response:
State: MD
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: 2023-07-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Fraudulent ACH Payment Transfers on XX/XX/2023 Received Fraud Alert Text from XXXX Received follow-up call back from XXXX During this phone call, the Chase rep stated her name was XXXX XXXX XXXX She asked me to verify with codes several times. We went through several troubleshooting tests with emails and texts for about an hour. She noted that they would need to freeze the account while they investigated the fraud charge from XXXX. She gave me a new username and password and said that my new debit card would be in the mail after about a week. Once all my information was verified, they had access to do several fraud ACH transfers. I was not able to login to my online acct because I was told I would be getting a new card in the mail and while the acct was under investigation they had to freeze it. XX/XX/2023 : fraudulent ACH transfer of {$49000.00} to XXXX XX/XX/2023 : fraudulent ACH transfer of {$49000.00} to XXXX XX/XX/2023 : fraudulent ACH transfer of {$49000.00} to XXXX XX/XX/2023 : fraudulent ACH transfer of {$49000.00} to XXXX XX/XX/2023 : fraudulent ACH transfer of {$49000.00} to XXXX XX/XX/2023 : fraudulent ACH transfer of {$8700.00} to XXXX Total transfers stolen out of my business checking account = {$250000.00} I've been working with my bank ( Chase ) since XX/XX/XXXX and they have told me there is nothing that they can do and that there is no way to verify this was fraud. They have never asked me any followup questions and/or interviewed me or done any real investigation to see that this has been a phishing scam. They claim that the scammer was able to verify, which is exactly what happened because they had hacked into my acct online and were able to forward the codes to themselves. I have had no support from my bank even though the phishing phone calls and texts were spoofed as their customer services lines. I have been offered no protection from this huge catastrophe that is affecting my business in a very dramatic way. I have given them my phone history, text history and still no aid has been given. If you look at our two year history of this account, there is no other transactions that even come close to these transfers. It is common sense that these have indeed been fraud, but I have been left with nothing and no protection. If anything, I have been treated like a criminal by Chase by them continually closing out my claims without asking me a single question. I feel completely vulnerable and not protected by my financial institution. It has been laughable how quickly they have washed their hands of this very serious incident.
Company Response:
State: UT
Zip: 84109
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I wasnt unable to transfer money from my savings to checkings to make purchases and after speaking with chase banks chief executive officer and other employees they disclosed to me that I couldnt do nothing but withdraw XXXX and wait till tomorrow after several people agreed to raised the limit on my savings account withdrawal from XXXX to XXXX to help me with the transaction I then was told that can only happen with checkings account because my savings account money isnt FDIC insured and on all levels of banking this is something they cant do anything about this so in result Im having to pay out of network fees and still not able to use money that I put into my own account
Company Response:
State: NC
Zip: 28314
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Chase bank kept {$21000.00} dollars after my account was closed 2 years ago I have tried contacting them multiple times just to be given the run around and i am unsure of my options when it comes to fighting for my money back.
Company Response:
State: CA
Zip: 92399
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/2023, I contacted the Chase credit card company and requested that an agent transfer XXXX Ultimate Rewards points to their transfer XXXX XXXX XXXX XXXX The agent who handled the call had trouble understanding XXXX, so I re-read everything and verified she had the correct amount of points to be transferred and also the correct XXXX account number to transfer them to. After the call I went to the Chase website and saw that XXXX points were transferred to XXXX XXXX instead of the XXXX I requested. I called Chase and asked them to reverse the transaction, listen to the recorded call tapes, and they said they are unable to do that and would investigate and send me a letter in the future. I want Chase to reverse or refund the excess amount that they transferred in error, XXXX, and put them back in my account so that I am made whole again and don't have a massive amount of miles in a program that I do not frequently use and do not want those points in.
Company Response:
State: FL
Zip: 33141
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX, I was in XXXX XXXX and attempted to use the United Lounge as promised by my United card which comes with two one-time passes each year. One-time passes were not accepted, apparently due to scheduled construction and not an exceptional event. In addition, I attempted to use the " pop-up '' United lounge and was also rejected. If these passes are not usable when needed, then this perk is not worth much and misleads consumers. Specifically, United/Chase has the ability to inform me specifically ( without me needing to search deep on the website ) if the clubs are unavailable. This might change my travel plans and is presumably why they don't bother. I could have flown XXXX for less but paid extra to use the lounge and escape the crowds. United/Chase should provide some sort of remuneration when this situation arises.
Company Response:
State: TX
Zip: 77019
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I called chase at the end of XXXX early XXXX and I spoke with a representative about a late payment. She assured me there would be no negative reporting unless I was 60 days past due which is basically 2 months past due. My due date is on the XXXX I paid on the XXXX and received notification that it was reported negative on my credit on the XXXX which was explained to me on the date that I called. Now they are not wanting to fix the issue
Company Response:
State: TN
Zip: 38305
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A