Date Received: 2023-07-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX XXXX Only one banker took out time to not freely This is my second complaint because I do not feel as though CHASE CLAIMS DEPARTMENT when I first called on XX/XX/XXXX during my first verbal claim over the phone was ever written down as a case to investigate it. I don't think it is fair not to be able to fill out a claims form to show my evidence or see the case results through the actual bank. I was told that couldn't be done. It's evident that they had already made up their minds because the amount that is written in the Consumer Protection Agency response section is not the amount that I stated I was scammed out of when I had to verbally file a claim. Evidently the corporate didn't check the amount either. There was no sympathy by the person I spoke with on XX/XX/XXXX in the CHASE CLAIMS DEPARTMENT. When I mentioned taking it to court, she went as far as telling me to go ahead. But that I would probably lose. ) by a what you call third party which could have been an actual employee of Chase. Also to keep a customer happy as long as I have been banking with Chase since XXXX happy, would be to offer at least a portion of the scammed money back to them because it is not the victim 's fault either that they were scammed ( tricked and scared into ) by what you call a third party which could have been an actual employee of CHASE BANK.
Company Response:
State: FL
Zip: 33169
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: JPMCB CARD SERVICES is showing as a charge off on my credit report of {$3100.00}. I was contacted once and advised the company that I never opened this account. It was possibly my ex-husbands account ( we had separate accounts many years ) or my daughter, who is deceased ( possibly opened without my knowledge? ) .Or a complete stranger. I asked the representative at the time to send me proof of my charges and signatures. I never received to and was advised that after I filled out a form for fraud it would be removed. I am in a Idre financial situation at XXXX on a limited income and am suffering from XXXX XXXX. I tried to refinance a loan and to my surprise this JPMCB appeared as a charge off. It has caused me any option to refinance due to this error that I assumed was fixed many years back. I have no knowledge who paid this account, I never provided financial information to JPCMCB.
Company Response:
State: NY
Zip: 11768
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: Closing an account
Subissue: Can't close your account
Consumer Complaint: I opened a new Total Checking and Savings account with Chase Bank on XX/XX/. I received an advertisement in the mail offering a {$600.00} bonus if I opened both accounts. I received both bonuses and decided to close these accounts due to the low interest rates on them after shopping around. There was no way for me to close them online, so I called Chase 's customer service on XX/XX/. The employee I spoke with on the phone told me that they could close my account, but I would owe them the {$600.00} bonus funds since I hadn't had my account open for XXXX months. I asked them where in the fine print it said that I had to keep the account open for that period of time, and they said I had agreed to it by opening the account. I continued to ask for evidence of this policy and asked for documentation, and they continually repeated that they could not provide any. I escalated the issue up through two managers, and still no one could provide me with any hard evidence. I was told that I would have to go to a physical bank to get a copy of the fine print I signed. I was told there is no way for them to send it to me electronically. I found a Chase webpage that outlines a similar deal ( https : //account.chase.com/consumer/banking/seo ) and, as in my case, nowhere does this page or the links included on it mention anywhere that the account must remain open for 6 months to retain the bonus. All their webpage states is : " To receive this bonus, the enrolled account must not be closed or restricted at the time of payout. '' The last manager I spoke with - XXXX, an account manager with Chase in Customer Service - advised me to submit a case for this issue and stated that this is the " first time this issue has happened. '' Yeah right. She said this would be a matter for their marketing department ; she placed me on a long hold and then returned saying she had requested information from them and that they would return to me in 3-5 days. I asked them why they were unable to connect me right away, and I was told their department doesn't take calls. XXXX stated the marketing department could provide me the terms and conditions for accounts, including the requirement that I keep my accounts open for 6 months to avoid the retraction of the bonus. I asked her to escalate the issue so that I would not be waiting days for a response, and she requested an " urgent request ' and said I should receive a call back XXXX hours later. I never received any call backs or responses at all from Chase. Your move Chase Bank, where are the receipts?
Company Response:
State: TX
Zip: 78703
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: Closing an account
Subissue: Company closed your account
Consumer Complaint: CHASE BANK CLOSED MY ACCOUNTS XX/XX/2023 AFTER 9 YEARS OF GOOD RELATION SHIP I NEVER GOT ANY PROBLEMS I CALLED THE NUMBERS AND NO ONE GAVE ME A ANSWER FOR CLOSING MY BUSSINES AND PERSONAL ACCOUNTS. I DONT THINK IS FAIR BECAUSE I BEEN DOING GOOD SO I CAN GET A LOAN FOR A HOUSE. NO ONE HELP ME TO RESOLVE THIS PROBLEM THEY CLOSED MY CREDIT CARDS AS WELL
Company Response:
State: NY
Zip: 10940
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: someone opened a credit card account using my social security number I am a victim of identity theft and would like a full investigation on my credit report and the accounts to be removed and corrected as well as my credit report send to me. the name of the inquiry is truist bank and XXXX XXXX XXXX ( Bank )
Company Response:
State: PA
Zip: 19139
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX La. XXXX XX/XX/XXXX CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT ID XXXX XXXXXXXX Chase Business XXXX XXXX Executive Office ( Mail Code XXXX ) XXXX XXXX XXXX XXXX OH, XXXX Dear Chase Executive Office, I am writing to address the matter of the " Chase '' Tradeline on my consumer profile and to assert my rights under the Fair Credit Reporting Act ( FCRA ) and Securities and Exchange Commission Acts . As a concerned consumer, I believe that your actions have violated various federal laws and regulations, necessitating the immediate removal of this tradeline from my consumer report. Allow me to present a detailed explanation of the issues at hand. Firstly, I would like to express my appreciation for providing a copy of your cardmember agreement ; however, my initial request was for a signed copy of the original contract bearing my wet ink signature, counter-signed by a duly authorized member of your organization. Regrettably, you have failed to meet this request, raising concerns about the validity and legality of any purported contractual agreement. It is my firm demand that you remove the " Chase '' Tradeline from my consumer report promptly, as failure to do so may result in the initiation of arbitration proceedings. In reference to account number : XXXX, which is reflected on my consumer report, I received a letter from Chase dated XX/XX/XXXX, with reference XXXX XXXXXXXX. According to the United States federal government, as amended by the United States Congress, your actions in relation to the account mentioned above are in violation of my consumer rights, privacy rights, and data rights by engaging in the improper disclosure of indebtedness. Moreover, I noticed that the letter I received from Chase specifically refers to " account number ending in XXXX ''. While you expressed gratitude for my service, it is pertinent to remind you that a mere expression of gratitude does not absolve you from adhering to the FCRA. Under section 1681 ( i ) of Title 15 of the United States Code, it is incumbent upon you to honor my rights as outlined in the FCRA. I must remind you that no contract or agreement can exist outside the bounds of legality, and any disputes are to be resolved through arbitration rather than resorting to frivolous mailings. Your provision of information about me to consumer reporting agencies, also referred to as credit reporting agencies, without my explicit written consent and ongoing consent, constitutes a violation of section 1681b of the FCRA. Furthermore, in compliance with the Privacy Act of 1974, you are legally obliged to disclose personal information solely as per my written request or with my prior written consent. Any deviation from this standard is prohibited, as stipulated under 5 U.S.C. 552a ( b ). It is imperative that you acknowledge that your policies and procedures must operate within the confines of the law. Your assertion of contractual agreements and obligations must align with 15 U.S. Code 1682 and other applicable subchapters. In the United States, all contracts must exist within a legal framework. I am fully aware that J.P. Morgan Chase Bank, as a business entity operating within the United States of America, is also a corporation. The distinction is vital, as the UNITED STATES, in capital letters, refers to the corporation and not the Republic. This distinction is unequivocally stated in Title 28, Section 3002 ( 15 ) ( A ) ( B ) ( C ) of the United States Code. Consequently, it is essential to operate within the legal framework established for corporate entities. Moreover, I firmly believe that your actions must not infringe upon the Sherman Act, which prohibits unreasonable interference with the ordinary, competitive pricing, and distribution system of the open market in interstate trade ( 15 U.S.C. Sec. 1-7 ). I am hereby asserting my rights under the Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S. Code 6801 - which safeguards nonpublic personal information and the Securities Act of 1933, specifically PART 230 - General Rules and Regulations. In light of the aforementioned violations and discrepancies, I kindly request the immediate removal of the " Chase '' Tradeline from my consumer profile. Failure to comply with this request may necessitate further legal action to safeguard my rights under the FCRA and other pertinent laws. Thank you in advance for your prompt attention to this matter. I trust that you will rectify these issues promptly to ensure compliance with federal laws and regulations. Sincerely, XXXX XXXX
Company Response:
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I wired XXXX to a jp chase Morgan customer for a deposit on a vehicle. A few hours after the wire we figured out it was a scam and did a wire recall thru my XXXX XXXX account. I notified chase Bank as well and filed a fraud claim. Chase bank has refused to recall tge wire or help in the recovery of the funds. They refuse to give us any information to help recovery the funds.
Company Response:
State: TX
Zip: 762XX
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My Mother, XXXX and XXXX, XXXX visited a chase branch in XXXX AZ in XXXX of XXXX, about 4 months after my Father passed, so we could finish getting things in order from my Fathers passing and to make preparations in the event my Mother passed. XXXX brought our Mother to the Chase bank nearest to our Mothers home to seek professional assistance to guide them with the proper paperwork needed to transfer assets from all of our Parents Chase accounts in the event of our Mothers passing. The Chase employee they met with, XXXX XXXX, selected the required forms to be filled out, provided the forms to our Mother, filled out everything on the forms but the required signatures, and notarized the signatures on the 3 forms. We believed the matter to be settled until our Mother passed on XX/XX/XXXX. Several days after her passing, we began to submit whatever forms and paperwork necessary to settle her estate. When we tried to submit the forms to Chase for the Transfer on Death arrangements that had been previously made, we were told there was a problem with the forms, in particular regarding the savings account. We brought our concerns to the local Chase branch and the manager escalated it on our behalf to a woman named XXXX, who escalated it further to a woman named XXXX from the Chase Branch Complaint and Escalation Group who told me there was nothing they would do to correct the issue and our only recourse was probate which was what we filled out the forms to avoid. The problem seems to lie with the choice of the form used. The form chosen and presented by XXXX is for an investment account, not a checking or savings account even though the number on the form is CLEARLY the savings account number. This is 100 % the fault of the Chase employee my family met with. We counted on him to know his job and advise us accordingly. Everyone makes mistakes, but that does not exclude Chase from the responsibility to make it right. Probate is going to cost a significant amount of money that Chase, according to XXXX, refuses to compensate us for. So now the funds are locked in a Chase account until Probate is settled where Chase can continue to earn returns on money that is frozen due to an error by one of their own employees. Seems like a conflict of interest to me...
Company Response:
State: AZ
Zip: 85296
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have had multiple issues where chase has delayed my XXXX transfers from my XXXX XXXX XXXXXXXX account to the account I have with them ( chase ). Each time Ive called them in always told its a technical issue going on with XXXX and Chase that they have been trying to resolve, yet they never send out any alerts via email or text to notify clients so we are aware and can manage our finances during that moment. Ive had multiple times where I only had my chase card on me and needed to make a purchase, I Zelled money from XXXX XXXX XXXXXXXX to Chase & chase will delay the XXXX from 24 to 48 hours, which is really inconvenient! XXXX XXXX XXXXXXXX will confirm the money has been deducted from that account and sent to chase, but XXXX will claim tech issues. A XXXX transfer usually doesnt take more than 5 minutes. Its frustrating during moments when I have no cash or any other funds on me. This is very frustrating for a XXXX mom of XXXX!
Company Response:
State: IN
Zip: 46322
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I placed a request for a transfer on funds to XXXX XXXX XXXX XXXX on XX/XX/2023. I put a reminder on my " todo '' list to remind me to watch for the transfer. Late that night, approximately XXXX I received a call from Chase Bank ?. They did not identify themselves, but said they had some questions regarding my transfer request. If you read my complaint from XX/XX/2023, there was some suspicious activity regarding a call from Chase Fraud and I did not want a repeat of that conversation which included providing ways to identify myself in three different ways to three different people and ended with me being told I am uncooperative and I would have to go to my local branch with two forms of identification ; in which I did. This time I refused to answer their numerous questions and hung up. I do not know if it was Chase Bank, but I suspect it was. On XX/XX/XXXX, I verified my account online with Chase Bank. They put two deposits into the receiving account and then take that amount back. I then sign on to my Chase Bank account and put in the two amounts that were deposited into XXXX. On XX/XX/2023 I checked my account and it said it was under " review ''. Today, XX/XX/2023 it changed the date requested to XX/XX/2023 and now states " we rejected this transfer ''. This is the 2nd time there have been suspicious changes to data in my account. The other was a charge through XXXX XXXX in XX/XX/2023, and the responses from Chase have barely been adequate.
Company Response:
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A