Date Received: 2023-07-15
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I was scammed by someone online posting to be a landlord of a place I was trying to rent from, I sent that person money through XXXX. I realized it was a scam right after and was trying to contact Chase Bank but they were closed. I called this morning to report the fraud and they said since it's a XXXX transaction they can't reimburse the fund to me, they can only file a report out.
Company Response:
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: My business ( XXXX XXXX XXXX XXXX ) is in the process of a buildout for a move to a new office location. XXXX is a vendor we've been working with. They are providing several things for our upcoming move. This transaction was related to the lighting for our XXXX XXXX. It is a division of XXXX called XXXX XXXX. My XXXX needed the products within the next couple of weeks so I needed to complete payment so they would ship the product. My contact at XXXX for this part of the project is XXXX XXXX. Also copied on the communication is someone at XXXX named XXXX XXXX. XXXX emailed me on XX/XX/XXXX to send the invoice and see if I had any questions before payment. XXXX minutes later I received another email that appeared to also be from XXXX XXXX. This one had the same display name, logos, and email signature, but apparently was fraudulent. The fraudulent email was even attached to the real email in the same email thread. This email asked to send ACH details. I responded that they could go ahead and send the ACH details, and the next email provided those details. Unfortunately, we did send the full amount, {$51000.00}, by wire transfer. We did not find out about the fraud until Friday, XX/XX/XXXX, when XXXX called our office asking about the payment. We have reported this to the XXXX police department, and have also filed it with the FBI at XXXX and have filed a report with the XXXX XXXX. We contacted our bank, XXXX XXXX, immediately when we realized the issue, and our banker tried to recall the funds but since it had been a couple weeks she was unable to recall them. She told us she was contacting the receiving bank, Chase Bank, to see if they can do anything but they could not or would not recover the funds. When I tried to call Chase Bank about this issue I was told they would not discuss it with me and would only communicate with my bank. I feel that since the person committing this crime was using a Chase Bank account to receive the money Chase Bank should be willing to find a way to recover the funds and help us. Thank you in advance for anything you may be able to do to help us recover this money. We are not part of one of the big national chains. We are an XXXX XXXX XXXX, so a financial loss of this amount is devastating to us. If there is any additional information that would be helpful do not hesitate to contact me.
Company Response:
State: NC
Zip: 27519
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Fraud alert from : disguised as 'Chase Fraud Alert ' XXXX " COPIED AND PASTED '' Fraud alert Chasedebit or ATM card Because the security of your account is our first priority, we have opened an investigation into this occurrence because we discovered that you signed into your online banking account from a different IP address, which is suspicious or could be fraudulent. Please log in using the details presently on file by clicking the link below in order to protect your account from fraudulent activities and unidentified devices. www.chase.comXXXX Please be aware you will be logged out of all open sessions as part of this security procedure, which aims to protect you and your account information from fraud. Thank you for helping us protect your account fraud detection XXXX JPMorgan Chase Bank , N.A . Member FDIC & Co.
Company Response:
State: CA
Zip: 92058
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
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: The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33018
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX sold my loan to Chase. I didn't know anything about it until the very last minute. When I call the ignorant people they have answering the phone only know how to say they don't know. I think a 60 day notice to the person buying the home should be in order before they have a right to do anything with the loan. Nobody can find my check or money and nobody from either company knows anything.
Company Response:
State: KS
Zip: 66061
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hello, On XX/XX/XXXX I deposited a check from XXXX for the amount of {$2100.00}. I work for the XXXX XXXX XXXX and XXXX is my retirement company that the XXXX uses. I was attempting to transfer money to my other retirement XXXX. XXXX is an online account and does not accept checks. So I deposited the check ( i still have the original check ) and was going to move the money to my account. I have done this in the past and did not have any issues. Chase Bank depsoited the check which I later learned they should not have done and then seized and froze all my accounts. I have gone in directly to chase branches and tried to get my money moved back to me, XXXX XXXX XXXX For close to a year now I have been fighting with the chase to release my funds. I have talked to associate bankers, supervisors, and branch managers and still have not been able to do anything. I have been kicked out of branches and have been hung up on multiple times when dealing with the chase. In this l last round I was instructed to gather documents from XXXX providing its my money and giving my authority to receive the check or have it sent to XXXX. I provided all documents requested and can prove that the money is mine. I gave all requested signed documents to Chase and now they are saying they can't accept the documents and need a phone number for XXXX to verbally verify. I have provided every phone number I can find for XXXX including their main number XXXX XXXX. Chase bank says they can not verify the number and refuses to call. When asked how I'm supposed to get my money I receive the answers I don't know, I am unable to answer that question, or They transfer me and then hang up. During this whole process, I have been laughed at, yelled at, and disrespected. I know this sounds like an exaggeration but it really isn't. and I know generally {$2100.00} isn't a lot of money but I've spent years trying to put that money together for my retirement. I struggle and try to do my best but Chase is putting me in a corner and not giving me any options. I've looked at legal options and I can't afford a lawyer to help me. I have all the original documentation, emails, and conversations. Please any help would be greatly appreciated.
Company Response:
State: TX
Zip: 76502
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Fraudulent check for {$8400.00} was processed against our checking account at Chase bank. We reported it immediately upon discovering it on XX/XX/XXXX and submitted required written form on XX/XX/XXXX after getting misleading instructions from a bank employee. Upon following up on XX/XX/XXXX were told the claim was still awaiting documentation. We went into bank branch and worked with manager to resend the form from XX/XX/XXXX and verified it was received by the fraud department. We are now being told we will get a credit in 3-5 business day, which exceeds their requirement to give us a temporary credit within 10 business days from the date of the claim. This has had a very negative affect on us financially and we want to be sure they follow through and that their failure to follow the regulations are noted.
Company Response:
State: AZ
Zip: 85331
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I am writing to bring to your attention a concerning issue regarding unauthorized ATM withdrawals from my bank account, as well as the subsequent denial of my claim by Chase Bank. I kindly request your assistance in resolving this matter and seeking a fair resolution. On XX/XX/XXXX, I discovered several unauthorized ATM withdrawals totaling {$4200.00} from my bank account. These withdrawals were made in increments of {$200.00}, which is not consistent with my banking habits. Recognizing this as fraudulent activity, I immediately reported the incident to the fraud department at Chase Bank, who assured me that the money would be reimbursed pending an investigation. To my surprise, on XX/XX/XXXX, I noticed that the bank had deducted the reimbursed amount of {$4200.00} from my account without any prior notification or explanation. I reached out to the bank to seek clarification and was informed that my claim had been denied. However, despite my repeated requests, the bank representatives refused to provide me with a clear reason for the denial, leaving me in a state of confusion and frustration. As a loyal customer of Chase Bank for several years, I have always maintained a responsible approach to my banking activities. I have promptly reported any suspicious transactions in the past and have diligently followed the necessary procedures outlined by the bank. However, the current handling of my case has left me feeling unheard and unfairly treated. I believe that it is my right as a consumer to receive a thorough explanation regarding the denial of my claim. I request the Consumer Financial Protection Bureaus intervention in this matter to ensure that justice is served, and I am provided with a clear understanding of the banks decision. I also seek your assistance in facilitating a fair and unbiased review of my case.
Company Response:
State: IN
Zip: 46158
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I had a business account at Chase Bank and gave the employee five checks a week, and she changed the date and amount at her deposal, defaced 13 times, caused more than {$5500.00} in damages, so I informed the bank and sent them the documents, copies and police reports that they wanted, and I asked for help
Company Response:
State: TX
Zip: 75077
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Essentially, On XX/XX/XXXX, JP Morgan closed the account with no explanation. This is my business account XXXX XXXX XXXX- and I actually lost customers because of this. I don't even think my account was opened properly, nor do I even know why JP Morgan closed my account. I'm beyond frustrated, as I told JP Morgan exactly what this account was being used for, and if they have a problem with the account, they shouldn't have opened it to begin with.
Company Response:
State: NY
Zip: 11561
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A