Date Received: 2023-07-13
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: In late XXXX early XXXX approximately between XXXX XXXX XXXX of XXXX XXXX checking accounts and XXXX savings accounts were opened at XXXX separate banks in my name via online then arbitrarily closed by both financial institutions within 60 days of them opening. Most transactions to place through online banking, or simply directly at an ATM. When attempting to call customer service, I simply got it back-and-forth about how I was solely responsible for these accounts, and there was nothing they were willing to do since my name, and Social Security number, and current address were used regardless, if I had to open them or not. This is not only affecting my credit, but I can no longer open a checking account with a credible bank both chase bank and XXXX XXXX XXXX are the federal banks in question neither one has even attempted to help me and is simply closed the accounts. These accounts were negative at the time as the only activity that was done was checks that were being cash fraudulently against these accounts. These checks were made out to names I have never heard of or in my own name from accounts and people, Ive never even heard of have done business with. I have not been provided with any adequate documentation since these accounts have been closed I am completely in the dark other than me, the exact nature of them being closed and why they were closed no documentation whatsoever other than me suffering from this.
Company Response:
State: MI
Zip: 48009
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Chase closed my personal checking account and credit cards without prior notice in XX/XX/2023 and froze my assets for approximately a month. When Chase finally released my funds back to me Chase withheld {$19000.00} saying a certain XXXX deposit into my account from a third party LLC ( the " third party '' or the " Originator '' ), which I received regular quarterly distributions from for the past three years, did not belong to me due to the Receiver Name on the ACH not matching my name on the checking account. The XXXX of the XXXX made an error titling the Receiver Name which should have been for myself personally. Chase ( compliance department ) said due to my account being suspended/closed the Originator of the ACH would need to request an ACH reversal through their bank ( XXXX XXXX Bank ) to get the funds back from Chase. The Originator requested an XXXX reversal for the amount of the deposit mentioned above which Chase subsequently rejected. When I contacted Chase again to ask them what needs to be done to recall the funds from my account Chase said the third party 's bank would need to submit a letter to Chase outlining the deposit and request an XXXX reversal. The third party 's bank submitted two ( 2 ) letters to Chase requesting the funds be returned, both which we denied ( see attachment ). Alternatively, Chase has given me no solution or option to work with the third party and their bank to amend the Receiver Name on the original XXXX deposit into my account which would allow the funds to be released to me, the rightful owner. After multiple calls with Chase spanning multiple hours, Chase has lied and failed to provide me an answer how to release the funds that are still in my personal checking account.
Company Response:
State: CT
Zip: 06902
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2023 between XXXX and XXXX my Marriot Convoy Credit Card with Chase was charged with XXXX fraudulent transactions with XXXX. Fortunately, my wife saw the charges in real time since we receive texts for my cards. We call Chase Fraud Department and they blocked the card, replaced it, and cancel the charges. XXXX weeks ago, I received an email that my statement was due soon for this credit card. I was surprised since I had not used it. The statement was reporting the same fraudulent charges. I called Chase immediately. The person who answered took note and she said I needed to report to another department. And so I did with the help of my wife ( who is the XXXX who takes care of our payments ) .I spoke a week ago with the specific department and I was told that since I had bought XXXX XXXX before, they considered the fraudulent charges to be my purchases. Obviously, I explained that I never made any purchase that day. They said that they needed to examine the case and would have called me in XXXX days.No one ever called. Yesterday morning, Wednesday I called again since the payment is due today. I explained that I do not intend for XXXX fraudulent charges, but it will still affect my credit score. The person who answered guaranteed that I or my wife would have received a call for sure the same day before XXXX. He clearly asked to be close to the phone about that time and ready to talk. No one called and then it was too late to call because the office closes at XXXX. This morning, we called again. We were put in touch with a supervisor : XXXX XXXX. She first said that their investigation showed that the purchase was done by XXXX of my devices. This is a serious matter, so I said that I needed to immediately to contact the police since my computer contains very sensitive information ( I am the President and Chief Scientific XXXX of a XXXX XXXX ). So I asked for the ID of the device ( I work on XXXX different computers ) to start an investigation. She asked for some time ; after XXXX minutes, she came back on the phone and said that the purchase was done through an app on a cell phone in New York State not on one of my devices. We thought that would have been enough, since we came back home in XXXX XXXX, MD from XXXX, NY on XX/XX/XXXX evening. She started to ask about my XXXX account. I explained that it was attached to an older email of mine. That email address does not exist anymore. I can not have any access. I still do not understand what she was looking for. Since I told her that I sometimes go to XXXX for meetings she asked questions about the company and the employees. I live in XXXXXXXX XXXX I have an office in XXXX XXXX MD. When I go to XXXX we meet in our lawyers ' office. The company office is out of town and the secretary rarely helps me. My assistant here passed away a few years ago before Covid so I am still working without a secretary since I work part of the time from home. I gave her the company secretary 's email address without really understanding why. At this point, we are forced to pay for XXXX fraudulent charges to avoid having our very good credit score affected. I also would like to add, that as a man of science with big responsibilities in my life, I have never been treated like that. I felt abused. I was treated like a criminal. We are talking about {$2000.00} ; my wife and I pay between {$15000.00} and {$20000.00} to CHASE credit card every month. Thank you for your help.
Company Response:
State: MD
Zip: 20815
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I've been banking with Chase for over a XXXX. Recently my account was hacked and {$1400.00} was stolen from me. I spoke to a representative who assured me that the funds would be reimbursed and they did reimburse me but only partially. I went to a branch and got reinbursed for the rest of the funds. After about a XXXX Chase pulled the funds that it reimbursed me stating that i was the one who withdrew the funds. I told them to check thir ATM footage and they will see that it was not me but they stated that there was nothing they could do. I went back to the branch and gave them proof that it was withdrawn using XXXX XXXX and i have an XXXX phone. They reinbursed me again but only a week later they pulled part of the funds again. I went back in and Spoke to the manager XXXX who spoke to the corporate and got reinbursed again. Today i check my account and they pulled XXXX XXXX back again so i am at the bank waiting to speak to someone to see what is going on here. Everytime they pull funds it's for a different amount. I am ready to close my acount because i do not trust chase anymore.
Company Response:
State: IL
Zip: 60645
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Paid my Credit Card Bill on XXXX for XXXX it was due on XXXX. I paid it on line through my checking account I have with Chase Bank. Transaction went through on XXXX. When you hit make a payment they only give you one option. Pay with XXXX. So I used it thinking it would go through as it was a direct payment from my Chase Account to Chase, no third parties involved. I double checked it went through it posted to my account on XXXXSo then I get a bill in the mail for XXXX. They said it was late charged me a XXXX late fee which is 58 % on the original bill I owed which is ridiculous also .80 interest. I think this is a scam to make your payments late as they do not give you any other options to pay your bill. I never even use this card except for once a year to pay for on line security. I called Chase at the number listed on my new bill and spoke to a representative I explained my situation he said too bad were not taking it off. So I cancelled the card and will be closing all my accounts with Chase. Sorry XXXX. This is a scam just like XXXX XXXX and XXXX. Check my credit I have a perfect payment history now XXXX wants to ruin that too!!!
Company Response:
State: CA
Zip: 92592
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Applied for preapproval for a loan from J.P. Morgan Chase in XXXXXXXX XXXX for {$150000.00} to purchase a home in XXXX XXXX I was contacted by XXXX XXXX the next day. Was conditionally approved on XXXX. Saw house on XXXX, made offer, offer excepted. Signed contract on XXXX. Point of contact person XXXX XXXX called on or about XXXX to introduce herself and to let us know our closing date would be XXXX XXXX and our first payment of $ XXXX. would start on XX/XX/XXXX. Appraisal schedualed for XXXX. On XXXX we was then asked to waive our appraisal/valuation so we could sing on time. appraisal back on XXXX. XXXX called XXXX XXXX stating appraiser requested a water test be done.Water test was done on XXXX, and came back ok. After that we was told that XXXX would not approve loan unless we paid to have water hooked to city water. On XXXX XXXX we informed XXXX and XXXX in writing that we was going to change to a different lender and requested in writing that the appraisal be transferred to new lender. All transfer information given at this time. No appraisal transfered. On XXXX XXXX I attempted several times to reach XXXX XXXX, XXXX XXXX, and XXXX XXXX Supervisor XXXX XXXX with no answers. Attempted calling again several times on XXXX XXXX and again no answer. Finally I called a general number and spoke to another loan consaltant and was informed that all three had been laid off. This loan consultant was unable to help me with getting the appraisal transferred because she and everyone I spoke to after this point was unable to locate not only the appraisal but the entire loan application even though I provided them with current Mortgage case number and mortgage number. We had our house loan with Chase XXXX years ago and they kept going back to this loan and stating there was no appraisal found. I had spoke to so many " loan consultants '' trying to locate the new loan application and appraisal and it finaly paid off. I was told that I needed to pay for the appraisal before they would transfer it and was given an address to send it to. I immediatly got a certified check and overnighted it to the address provided. Appraisal was transferred and we signed on house shortly after. A couple months later we recieved a XXXX from Chase in the exact amount that I sent to pay for appraisal with a letter stating no loan or appraisal found.
Company Response:
State: SC
Zip: 29649
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I tried to deposit a check of {$3200.00} that I received from work with my bank ( JPmorgan Chase bank ) and they have restricted my account and threatened to lock the account in 7-10 days. They keep asking me stupid questions and I tell them that the check is a check I received from work, they say they cant reach the company that issued the check, so I reached out to the company and they said the check was cleared and do not understand why Im having the issue with my bank. I was on the phone yesterday ( XX/XX/2023 ) for close to 6 hours calling multiple times and no one is able to help me. I have no access to my funds that were in there even before I tried to deposit the check and I find it so ridiculous that theyre making a consumer go through so much back and forth phone calls to resolve something they should be able to do as a business.
Company Response:
State: VA
Zip: 23832
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: Commencing on or about XX/XX/2022, I fell victim to XXXX multi - layered scam operations run by " XXXX XXXX '' and an " XXXX agent '' which involved me making deposits for a total amount of XXXX usd from XXXX XXXX XXXX account to fraudulent investment firm ( XXXX )
Company Response:
State: OH
Zip: 43004
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was told a hold had to be placed on a payday loan check I deposited because the account was not with their bank and they had reason to believe the check would not be paid. The check would have a 7 day hold. I have never had any fraudulent activity on my account. I called customer service and was told that they would work to verify the check so the hold would be removed. I called the day before the hold was to be removed to see had the check been verified and they said yes. If the check was verified, I dont understand why their still holding the funds saying it wont be paid. I was told there is a system hold on the check and they cant remove it but the funds will be released on the date I was told originally. I just dont understand why a check would still be held if they verified the funds are going to be paid. It doesnt make sense.
Company Response:
State: LA
Zip: 70056
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: I have had a perfect record score, then I got covid, which keep me without been able to leave anywhere, during that time I couldn't deposit funds in my account, therefore the account didn't had sufficient funds to pay some bills, by the time I managed to head to the bank and deposit the bank has charged me with {$1200.00} on fees that make impossible to pay. There fore the account balance skyrocket to negative. I ask the bank to reverse the fees and they refused, now my XXXX XXXX that was XXXX for the past 2 years dropped to XXXX due they abusing with fees that are impossible to pay. The amount that actually made the account balance to be in red was solely for the bank fee as all payments that needed to be done on my part were paid on time.
Company Response:
State: CA
Zip: 92109
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A