Date Received: 2024-01-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX, XX/XX/XXXX I deposited two checks into my Chase checking account. I made the deposits at a Chase ATM at my local Chase branch. Each check was for {$15000.00}. One was from my mother and the other was from my father. They were XXXX gifts. Chase put holds on the full amount of both checks and said the holds would last until XX/XX/XXXX. I have since researched whether they can legally do that that and I found information about the Expedited Funds Availability Act of 1987. The information I found says that banks can only place holds for XXXX specific reasons. The first reason is if the check is for more than {$5500.00}, which these checks were. But holds for that reason are only allowed for the amounts over {$5500.00}. In my case, holds were put on for the full amounts of both checks and I was told none of the money would be available until XX/XX/XXXX. Reason 2 of the XXXX is for redposited checks. In my case, the checks were made out to me, so this does not apply. Reason 3 of the XXXX is for checks from funds that are repeatedly overdrawn. My parents are very financially responsible and I'm confident that isn't the case with their accounts, so that does not apply in my case. Reason 4 is " doubtful collectability ''. I have no reason to believe this applies in my case. I've had this account for 30 years, first with another bank that was eventually bought by Chase. My parents have been financially very responsible their entire lives and they are now retired. Reason 5 is for emergency conditions, which clearly does not apply in this case -- I deposited the funds in XXXX, California, which is not in any sort of emergency condition that would interfere with a bank 's ability to quickly clear checks. Reason 6 is for new customers -- accounts open for less than 30 days. I've had my account open for about 30 years, so this clearly does not apply in this case. So, it seems to me Chase violated the XXXX in my case. I called Chase on Wednesday, XX/XX/XXXX to explain why it seemed to me that they had violated the XXXX and give them a chance to tell me a reason for the hold that would be consistent with the XXXX. The person I talked to gave me no coherent answer, and didn't seem to even understand what I was saying about the XXXX. After being transferred to another person, then another person on the same phone call, I spoke to someone at Chase who looked into it and released the holds on both checks. However, before that happened, I was notified that my rent auto-payment had overdrawn my account and then several more auto-payments didn't go through, causing me a great deal of hassle to clear up. Since the holds have now been removed, this particular case is now resolved. But it seems to me Chase violated the law. The holds seem to have been placed automatically. There's nothing I can see that's exceptional in my case, so it seems to me that it's likely that Chase has hold policies in place to routinely violate the XXXX. I would like to see enforcement action taken to stop the current policies from continuing to violate the law, and negative consequences for Chase to discourage Chase and others from instituting policies in the future that violate the law. Thank you for your consideration.
Company Response:
State: CA
Zip: 94085
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have been a Chase Credit Card customer, in good standing, since XXXX. Upon logging into my Chase online account this morning, XX/XX/XXXX, my credit card status showed 'Your account is closed '. I did not request for the card to be closed, nor did I have any advanced warning that it was being closed or notice that it had been closed. I was unable to find any additional information on the Chase site about the closure/rationale etc. There also wasnt anything about it in my secure messages, or on my email. I ran my credit report to see that Chase closed the card on my behalf for being 'inactive ' in XXXX. The 'communication ' leading up to and since the card closure, described below, has been extremely deceptive and misleading, and is now going to adversely hit my credit score in a big way. As Im writing this there is a message near the top of my Chase home page, for the specific ( now closed ) card, that says You've scheduled your automatic payment for XX/XX/XXXX. See Payment activity for more info. ". Further, the only correspondence I've gotten from Chase in recent months has been suggestive of good standing. The credit card is the only product I have through Chase ( with the exception of being an authorized user on my wifes Chase Card, which Ive been using as our primary card ), so it was incredibly misleading to pummel me with Congrats and Rewards headlines when my single product was about to be closed on my behalf and without my knowledge. Specific examples of email headlines from Chase occurring between XXXX and when the card was closed on XX/XX/XXXX include : ( XXXX, Chase XXXX XXXX ) " Congrats XXXX! You qualify for this balance transfer offer '' ( XX/XX/XXXX, Chase XXXX XXXX ) " XXXX XXXX : XXXX, We're offering you a way to pay in installments with no plan fees ( XX/XX/XXXX, Chase ) " Hello : XXXX, we want to reward you with an up to {$600.00} offer '' ( XXXX, Chase ) " '' Hello : XXXX, we want to reward you with an up to {$900.00} offer '' ( XX/XX/XXXX, XXXX ) " Hello : XXXX, we want to reward you with an up to {$900.00} offer '' * I got similarly toned emails from Chase XXXX XXXX, Chase Freedom Unlimited, Chase Ink, and Chase Home Lending during this same time period. The positive language gave me no reason to believe that my card may be at risk of closing or closed. Rather, I got plenty of communications attempting to solicit more of my money. So far today Ive spoken to two people with Chase one via phone and the other via Secure Message, both have said its not possible to reopen my account since its been closed more than 60 days. The employees also informed me that Chase sent a mailer on XX/XX/XXXX to tell me that if I didnt use my card within 50 days of the letter being sent it would be closed. That was the only attempt they made to communicate with me about the potential closure and I never received the mailer. I've actually gone through every single XXXX XXXX XXXX from XX/XX/XXXX and XX/XX/XXXX, the day that my card was closed, and there was not a single piece of mail from Chase to me on US Postal Service record during that period. I can provide records if needed, and did confirm with the Chase employee that my address was correct in their records. I'm not sure how it's ok to punish me to the note of thousands of dollars, which is what will likely be the case due to the hit to my credit score that will result because of this situation. I can not take action on a single mailer that never even made it to me and it feels like if they actually wanted me to know they could have gotten in touch multiple other waysthey sure do to solicit more business. Worth noting, I am an authorized user on my Wifes Chase Credit card, which is why my now closed card became my passive card, only used for ACH. I charged and paid off over XXXX on her Chase card this year. I have been a loyal and responsible customer of Chase and everything about this experience has felt extremely misleading, unethical and dissapointing.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: There were multiple ( XXXX ) fraudulent charges on my debit card on XXXX XXXX, 2023 from a company in XXXX XXXX I've never heard of. I called Chase to put in a claim and they accepted it and reimbursed me for the charges, as well as removed them from my account. The woman on the phone recommended that I keep the card information on my phone so I would be able to use my new card in my apple wallet before it arrived in the mail. Well, the updated card information in my apple wallet went right to the vendor and on XXXX XXXX, 2023, before I had received my new debit card in the mail, I received another XXXX fraudulent charges from the same company for {$550.00}. I put in another claim with Chase Bank but this time they said they weren't able to find anything different about my account and that they were to assume I made the purchases.
Company Response:
State: NY
Zip: 148XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Chase bank all of a sudden lowered my credit limits in two cards that were both in good standing. They sent us an email stating that it was either due to a late payment or we hadnt used the card in a while. This action caused my credit score to drop from XXXX to XXXX. Those were both false statements. I received a call from someone at the executive office conveniently after she was getting off for the day. She stated they investigated and they stand by their decision. Ive asked for proof of either occurrence and theyve been nothing but silent. Ive heard of this happening several times by chase bank. All she would say is her names XXXX from Chase executive office. Her number is XXXX and extension is XXXX. Ive asked chase to rectify this issue as it has negatively impacted my credit for no reason
Company Response:
State: TX
Zip: 76542
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My Chase XXXX XXXX XXXX XXXX XXXX XXXX checking account was closed some time around XX/XX/XXXX, which is also when Chase allegedly sent a letter to my home address detailing why which I did not receive. I requested another copy of the letter to be sent which was not approved. I waited around a month for the check to be sent before receiving no communication which prompted me to call them. The account funds total {$46000.00}, but Chase said that they will not send them to me until they verify XXXX checks from which I received the funds of 4 customers from. They asked me to provide the contact information of the 4 customers which I did on XX/XX/2024, but they claimed that the phone numbers I gave were not verified despite me directly obtaining them from the customers/check writers. On XX/XX/XXXX, I called the company 3 separate times and each time I spoke to an associate, when I raised the issue of them being vague about the verified numbers and how it does not make sense why they can not just contact the numbers I gave, I was hung up on all 3 times which led me to file a complaint. Furthermore, Chase has already deducted the money from all XXXX checks so they have all been cleared. For the documents I have attached, they include the customer business name or personal name, contact information, check amount, and a picture of the check written to my company. Because these checks were deposited online, I unfortunately can not send a receipt because Chase has blocked my access to online banking.
Company Response:
State: NY
Zip: 110XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX male, from XXXX, Illinois. ( maroon late model XXXX XXXX temp plates ) wanted for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unlawful restraint, and XXXX XXXX Can we post his photo for capture so no others are hurt? If needed will post a reward myself for his capture! XXXX XXXX ( Small Red no tint 4 Door XXXX illinois plates silver or grey hubcabs small wheels ) chase checking ends XXXX Chase card : XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) Local assault / attempted XXXX Occurred : XX/XX/XXXX XXXX XXXX XXXX report : XXXX Chase opened an account without proper user identification, this criminal never lived at my address by planned to XXXX me and live in my home for XXXX. Its unacceptable to allow individuals to open accounts without proof of residency this is illegal!
Company Response:
State: TX
Zip: 75007
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Confirmed the attached non-solicited email Explorer Credit Card from Chase was legitimate with Chase Customer Service. Completed the VISA credit card application and received the new Credit Card. I satisfied all of the offer requirements and expected to receive XXXX bonus XXXX XXXX miles for my XXXX XXXX ID. I have only received XXXX. I called Chase CardMember Services in XXXX, XXXX to verify that I have successfully completed all requirements for the XXXX miles. The service representative confirmed that I had and escalated the incident ticket to get the additional XXXX miles. I receive by mail notification from Chase Cardmember services on XX/XX/XXXX, dated XX/XX/XXXX that I am not eligible for XXXX miles with " Promotional offers are only available for select credit cards and aren't transferable between accounts. '' This is an inaccurate statement. As the attached email offer shows, the account targeted was my own XXXX XXXX account and the offer clearly identifies XXXX bonus miles. Nothing has been " transferred ''. Chase is simply trying to fraudulently change the terms of their contract without XXXX.
Company Response:
State: CA
Zip: 93955
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/23, I tried to open an additional checking account with JP Morgan Chase as I was trying to set things up so when my fianc and I go into the branch, it would be easier since the accounts would be open. I got an email saying they were reviewing the account. The next day, I got a rejection email followed by several emails saying that many of my automatize expenses were no longer tied to my account. Also, I was locked out of accessing my accounts online. I called Chase and they hung on me so I went into the branch and the VP of the branch was able to assist and open everything. As I was leaving, I received an email stating my new checking account was created and I could deposit funds into it. I move XXXX dollars in it and did nothing else. On XX/XX/23, in the late morning, I tired to log on through the app and I got the same error message about how my account was locked. They claim it was due to " Unusual activity. '' I went into the branch immediately and was there for 3.5 hours. They told me they had no info other then JP Morgan Chase was closing my checking account and saving account but not my investment account with them. I asked why and they would not tell me. I told them I want my money and I had to fight to drain my accounts. They were trying to deny giving my money to me. I asked for my money from my investment account and they gave me a number to call. When I called the number, I was told They could not do anything. I ended up having to figure out how to pull my money from an outside bank since they refused to give me my money. They kept telling me to move it myself through the app which they restricted me from. So instead of spending the day after XXXX with family, I had to spend all afternoon dealing with this. This has costs me tons of stress, has costs me money, and costs me massive headaches for reasons they refuse to share with me. I was told I would receive the reason in the mail. The letter came and says there seems to be fraudulent activity and call a number to help keep my funds secure.. It is the number that would not tell me what's going on from the beginning and refused to give me my money when I asked for it. What a joke. Chase is the fraudulent activity in this situation and I want answers.
Company Response:
State: TX
Zip: 75254
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I sent a registered securities instrument to this company. and for them to act on my instructions that was sent with my registered mail. I have heard nothing back from that and they are holding my securities without out sending me a payment as stated with my instrument. I also seen that they discharged my debt which is on my credit report. under law they have not provided me with a 1099c which is considered tax fraud. My instrument was received on XXXX addressed to XXXX XXXX. I also sent a email as well to follow up. This is my 2nd mode of trying to fix this problem, before I submit documents for arbitration on this matter.I also found descrepencies on my auto loan the dealer and the bank have different numbers, which is fraud. Also selling of my securities on the market and holding it is considered securities fraud. I will get a forensic audit report done if this is not solved within 15 days of this report.
Company Response:
State: TX
Zip: 78613
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Chase bank has unlawfully denied me and extension of my own credit which is clear discrimination as the law states It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction chase has not returned the application nor honored the approval as Ive been anticipating correspondence from an internal investigation by employee XXXX. Attached is proof of adverse actions taken in contrary to the law which backs the defense against discrimination when credit is the only means since no lawful money exists per HJR 192. Chase has practiced unfair and deceptive practices and this is my second attempt to find an amicable be resolution. Because the reasoning left in the correspondence of why I was denied simply explain nothing that substantiates the defamation of character employer XXXX stated she was denying me because I owed XXXX in child support which I have rec as well as recorded on their monitored and recorded line relief sought as follows :
Company Response:
State: TX
Zip: 77539
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A