Date Received: 2023-07-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: I wish to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute with Chase Bank regarding a financial transaction that caused me significant financial and psychological harm. Please see the attached PDF file containing all relevant documents and evidence
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
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: -I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Company Response:
State: AZ
Zip: 85037
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have a Chase United credit card after a year and a half, Chase sent me a letter requesting proof of the identification. When I called Chase in regards to the letter because they sent it when I was outside of the country, I was advised to log onto my online account to verify my information. With no notice there after Chase close my account I did not know that they closed it until I was making a purchase. When I called customer care I was transferred over nine times and hung up on almost 4 at the end of all these transfers I spoke to his supervisor, who advised that the account was closed in error and that several accounts have experienced the same thing, and that the account will be reinstated within 24 to 48 hours. After the 24 to 48 hours were up I called because my account was not re-opened, and was advised at that time that the manager gave me wrong information and that Chase was still in need of verifying my identity, they requested that I upload a copy of my ID and Social Security in which I did and I called three times after that to verify and follow up on the matter I was advised that they received it and it would take 3 to 5 business days for it to be reviewed and then they would expedite the card over. I called after that timeframe to verify that they reviewed the information to be advised that they never received the information even though I have the online app confirmation that they received it and they did respond to me in The secured message system. Chase advised that they received the three documents that were uploaded and would respond within one to two business days but today XX/XX/XXXX I spoke to a supervisor named XXXX who stated that there mustve been an error and we did not receive it and that he would file a complaint and I would get a response from them. I asked XXXX in regards to my account being closed where in the terms and conditions or banking regulations do they have the right to close my account even though Ive made all my payments XXXX actively using my card and they automatically on their own extended credit without my request from the original credit line that I was approved for XXXX stated that the right that the lender had came from the banking regulation the US patriot act. Keep in mind that there was no suspicious activity on the account all payments were made on time and card was being actively used and they closed it a year and a half later due to them needing proof of identification, after reading the patriot act, I see no real reason for them to be closing my account on this basis. in the course of the two week phone calls on the first day that I called when I noticed my card was closed the supervisor who gave me wrong information stated that my account was closed due to an error and that would be up within 24 to 48 hours how does a manager give that kind of information if it was close for a completely different reason, By doing so she delayed the resolution by over a week.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I feel like I'm being followed by either visa or XXXX. XXXX XX/XX/2013 via the XXXX ( XXXX XXXX transit authority ) when I had been under the impression I qualified for a 30 day XXXX travel employee benefit ( in the form of a XXXX ) I worked at XXXX at the time. I hadn't at the time had a credit card. Since Ive had some major health issues, I've only now been able too get in touch with a company called XXXX ( via airline travel. ) As an attempt too reconnect with my employer. On account of Wondering how I had come too know XXXX initially. I'd come across an opportunity too open an account with chase again, and a chase XXXX themed credit card, I could swear looked specifically for me. I've found myself at rock bottom w/no credit history, collecting debit cards as long as I know their activated in the back of my mind. Currently XXXX requires payment from me.
Company Response:
State: MA
Zip: 02148
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing this complaint because I have reached out to JPMCB AUTO via certified mail XX/XX/XXXX about two late payments they are reporting inaccurately XX/XX/XXXX and XX/XX/XXXX, but I have not received a response on their end and its XX/XX/XXXX that is well over 30 days. In accordance with the FAIR CREDIT REPORTING ACT, JPMCB has violated my consumer rights. According to Federal law code 15 U.S Code 1666b states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This includes reporting such information to credit bureaus or other entities. According to 15 U.S Code 1681 Section 604 2 states a consumer reporting agency can not furnish a account without my written consent.
Company Response:
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I went to the atm in the Chase bank located on XXXX XXXX XXXX to withdraw {$60.00}. XXXX XX/XX/XXXX at XXXX am I received a text from the Chase fruad department asking to verify a bank withdrawal of {$200.00}. I declined it. My card was closed and new one was issued. I reached out to customer service when I got home from work to report 14 transactions of fraud from my account. I received a temporary credit of {$400.00} and it was reversed and taken away again. In total I was scammed out of {$3800.00}. I spoke to to a banking representative XX/XX/XXXX asking for the letter I was supposed to receive and asking for help. The bank informed me that they could not help me. I requested atm footage to prove I did not withdraw the money in question and the bank also denied that request. I then went to the XXXX precinct located at XXXX XXXX XXXX in XXXX and filled out a police report. I have provided the bank with said report and no one is investigating my claim. I am a victim of scam and fraud and I do not believe that the bank is doing what they need to do to resolve this issue. How does this branch allow scam at the location and do not protect their clients?
Company Response:
State: NY
Zip: 11211
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
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: In accordance with he Fair Credit Reporting Act, XXXX XXXX XXXX JPMCB ( Chase ), Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602, A. States I have rights to privacy. 15 U.S.C 1681 Section 604 Section 2 : Its also states a consumer reporting agency can not furnish a account without my WRITTEN instructions 15 U.S.C 1666B : A creator may not treat a payment on a credit account under a open end consumer credit plan as LATE FOR ANY REASON. Company was contacted with no fixed errors made, and declining request of fix.
Company Response:
State: MI
Zip: 48045
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Received 7 letters by mail from Chase bank ( one for each of the accounts I had with them ) informing me they have made a decision to close all of my accounts " because of unexpected activity on this or another Chase account ''. I called to inquire as to why as I was shocked to receive such correspondence as I've never even had a fraud alert with them. All 5 of the representatives spoken to could not provide me a reason as to WHY they were shutting down my accounts, which also included a checking account, 3 savings accounts, a debit card, a credit card, a traditional retirement account and a ROTH retirement account. Total assets {$160000.00}. I even went into my local Chase bank and no one could give me an explanation. I have always kept my accounts current, paid my credit cards on time, ( I've never been reported as late to the credit bureaus ) and have never filed any fraud charges with Chase. I have been a customer in good standing for over 20 years. They also closed my kids ' accounts who are all tied to my account. Finally spoke to financial services who advised me that Chase " does this all the time, as they sweep accounts and report them as SARS as they receive incentive bonuses from the government and they target small accounts because they don't really want to manage them anyway and only want large, corporate accounts ''. I feel I am the victim of discrimination. I want an investigation opened immediately and am ready to file legal charges against Chase.
Company Response:
State: NY
Zip: 11566
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was a victim of fraud for a total of XXXX. I was believed to be talking to a chase representative. The fraudsters manipulated the app, they added accounts under my name that werent mine, they sent me texts using the chase app, they authorized themselves using the chase app, and I was manipulated to believe I was speaking to chase because they followed the entire protocol. I was 100000 % believed I was sending money to myself and I have proof of it. There was never any intention to send money to someone else. I called chase seconds after realization, and their first response over the phone was NOT to close or freeze my accounts. I had to go to a branch to speak to someone directly. Banking with chase I do NOT feel safe. I have a personal AND business account and I dont feel safe making any transfers. Ive called the executive offices and the manager refuses to give me the information to her boss. I need my case to be reached to higher ups. I promise you, I will not quit. I will make 100000 more complains and 100000 police reports. I am try my hardest to take my case to the news, and I will 100 % be telling my story to social media in hopes someone will hear and fear to bank with Chase unless I am helped. I am a small business owner trying to to run a successful business without that XXXX but it is so hard. Chase, you are the number 1 bank in the United States. You have the means to help me get my money back.
Company Response:
State: CA
Zip: 90280
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I'm more than one occasion I have put money in Chase Bank on my checking account a large deposit and the money has disappeared I know I haven't paid it because I was saving that money but the bank shows that I was they took that money some have them kind of way and I know it's in the house I want to point the finger but I am concerned the person that sent my account up seem to come from another bank and therefore it has access to my information. So I switch Banks to Chase from XXXX XXXX XXXX because I had a social security going in and all of a sudden XXXX XXXX XXXX dollars disappeared I added it up and I know because all I had was Social Security going in so then I go to XXXX and they claim that I had I spent my money I do not spend {$3000.00} a month except the fact that I was using XXXX and left to get back and forth to work I had {$2500.00} that I had not touched and even when I was using XXXX and I had like XXXX XXXX XXXX XXXX in my savings account with XXXX this money did not just disappear so I added it up it comes out about a {$5500.00} to {$6000.00} that just disappeared out of my account that I did not spend and recently I just went to the bank yet on Saturday and XXXX XXXX XXXX XXXX and I had charges for {$96.00} and which I had canceled the account and I still had charges and I had XXXX {$9.00} charger and no XXXX charges should have been on there at the same time even if I had joined some Club and they said that these charges have been on there recently well I did not I have the printout I've been checking my account it's just about every week and I'm not going to say I do it everyday but I was checking it every other day to check and see where my money was going and money was being dispersed somewhere it wasn't showing up in my account and it wasn't showing that I had taken it out but it was gone and they claimed I was spending $ over {$3000.00} a month I did some printouts and I'm pretty sure that and this started last year around about the time I switched jobs all right before I switched banks but this money kept disappearing my money, I put a dollar account and I never saw the money sorry I mean I put a {$2900.00} check and never saw the money, sorry I'm trying to use XXXX XXXX and some of the words are not going in exactly the right way, but I am saying that I was depositing over {$1000.00} every XXXX weeks and money just kept disappearing. This was Chase Bank XXXX Kentucky XXXX XXXX
Company Response:
State: KY
Zip: 40505
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A