Date Received: 2023-07-12
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I was involved in a sales scam, with an improper XXXX debit to another person that was a verified XXXX user on XX/XX/23. I contacted the bank immediately to reverse the transaction when I realized I had been scammed out of {$500.00}. After speaking to someone in the fraud department, I was told I would not be able to get my money back.
Company Response:
State: CO
Zip: 80022
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had opened a Chase small business account on XXXX A XXXX XXXX XXXX XXXX check of {$19000.00} was deposited in my account on XXXX. The amount was deducted from XXXX account of the maker of the check and a credit was shown in my account. Chase removed the deposit from my business account on XXXX and closed the account without giving me any reason. Chase have not returned the {$19000.00} that was deposited in my account to me, nor have returned the money to the XXXX bank. I have made multiple visits ( more than 5 times ) to Chase branch and called them on phone several ( more than 30 times ) times. Throughout the month of XXXX Chase representatives have repeatedly assured me on the phone that I shall be getting the {$19000.00} check in mail in the coming two or three business days but nothing was sent to me. On XXXX Chase representative told me on the phone that Chase has never received any money from XXXX and that they can not give me anything. Chase is also not willing to give me anything in writing or share any details as to what happened to the funds that were deposited in my account.
Company Response:
State: NJ
Zip: 08820
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I opened two new accounts with a {$600.00} member bonus promotion code. Both of my accounts were closed without notice via mail, without notice via email and without notice via telephone although all my information is on file. Also, I did not request my bank accounts be closed. I contacted the bank after receiving a check for {$1000.00}, and they stated my accounts were closed because my {$15000.00} check deposit didn't clear. My XXXX XXXXXXXX verified that check did clear and Chase received those funds on XX/XX/2023. In addition, I had a bi-weekly payroll deposit direct deposited to the checking account. My accounts were reopened XX/XX/2023 with my {$600.00} member bonus promotion " pending ''. However, I still have not received the {$15000.00} I deposited into my savings account that the bank stated they mailed to my home address as a cashier 's check. Those funds should have been put back into the Chase savings account immediately. I want my money now as they have it interest free since XX/XX/2023 and I have yet to receive the cashier 's check they supposedly mailed about XX/XX/2023. It looking like they have stolen my money! Futhermore, I want to make sure I receive that {$600.00} member bonus promotion code, as I completed all the requirements.
Company Response:
State: FL
Zip: 33404
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies-B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 15 U.S. Code 1681i - Procedure in case of disputed accuracy-1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Please remove the late payment on JPMCB because Chase is effecting my well being to obtain a house. I don't want to sue your company for violation of my rights.
Company Response:
State: TX
Zip: 77022
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/XXXX I received 6 calls from CHASE BANK while working a shift. 5 of the calls I ignored around XXXX pm. The 6th call around XXXX PM I answered simply by being annoyed and assuming it was something important. The female caller introduces herself as CHASE BANK, the same as it showed on the caller ID. She then stated that there was a charge that was being made on my account in XXXX Arizona and they wanted to verify if it was me. I responded with a no, but it's believable because I just traveled from XXXX XXXX two weeks before I got the call. She proceeded to verify my name and address to gain my trust. The female caller then suggested a PIN reset to protect my account. Before the reset, she texted me a six digit code to verify it was me. The message popped up at the top of my phone. I read what popped up & provided it to the representative. I did not read the text in its entirety because again, I was busy at work. The representative then thanked me for the verification and then stated, " In order to do the PIN reset I need you to verify your current one. '' I verified, not thinking too much into it because my physical card was on me. She then provided me a new PIN and closed the call by saying, " Thank you for being the best part of CHASE, have a great day. '' Around XXXX that same day my account was emptied, which was a total amount of XXXX dollars. I called Chase THAT SAME DAY to report the scam. The case was open for two weeks and then CHASE credit the funds to my account. A week later. on XX/XX/XXXX, the credit was reversed and CHASE simply said ... " We wouldn't call and ask for your information. So since you gave them your PIN we denied the claim. '' They directed me to police department for a police report. I faxed CHASE a copy of the police report and printed out a copy of all 6 phone calls I received on my phone from a CHASE bank number. The bank still refused to credit the funds despite having a " zero liability protection '' for their customers.
Company Response:
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Friday XX/XX/2023, I attempted to use my account at Chase Bank, only to see my card was not working. Once I noticed this odd action, I immediately gave them a call. They informed me that my account was restricted and they have chosen to close the account. Chase would not provide me a reason as to why this was happening. I asked why can I not know and they stated that I will be receiving a letter via mail in 10 business days. They also stated that I would receive my funds in approximately 2 weeks. So I asked, it would have take me this long to even know what was going on with my account if I did not call. On Saturday XX/XX/XXXX, I was told by a service rep that I would be able to go into the branch and have my funds made out in form of a cashier check. Moving forward on Tuesday XX/XX/XXXX, I went inside of a branch only to find out that I could not even do that. They were still " under review '', but still no explanation of said review. On Wednesday XX/XX/XXXX, I see that I no longer even have online access to review my account nor see the amount of funds I have in the account. When I called in they did not state why I could not see my account. Although the warning told me to give Chase a call to have viewing access back, they still refused to do so. I have an ACH incoming into the account and I am not even able to see if the funds hit or not. They will not provide me an answer and says I should just check in daily with the sender to see if they had some sort of return. I have several bills coming up or now past due thanks to chase. Which will include me in late fees and no reasonable explanation to the companies as to why I am late. This has been the most unprofessional and untrustworthy process from a bank.
Company Response:
State: IN
Zip: 46201
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I hope you are doing well as I write this. I'm writing to alert you to a troubling issue about the reporting of late payments on my XXXX account with the first four digits XXXX. I believe that my rights as a consumer, as protected under federal law, specifically 15 U.S.C 1666b, have been violated due to not adopting reasonable procedures by not notifying me 21 days before the payment due date outside of the billing statement. I have been a loyal customer of your company for two years, and I have always strived to maintain a good credit history. Additionally, you failed to provide me with the correct notice required by 15 U.S.C. 1681s-2 ( 7 ) for the provision of written negative information to me as a consumer. In accordance with 15 U.S.C. 6802 ( b ), I was never given the chance to choose whether or not my information or account will be provided to outside parties ( all credit agencies ). I asked that you update this late payment that was XX/XX/XXXX that was opened on XX/XX/XXXX to an on-time payment. This late payment has been adverse to me as a consumer who always pays on time. I trust that you will handle this matter with the urgency and professionalism it deserves. Please provide a written response within 30 days of receiving this letter. I appreciate your quick attention to this issue and eagerly await your reply. I appreciate your prompt attention to this important issue. XXXX
Company Response:
State: AL
Zip: 36575
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A Chase card has been opened in my name but the problem is that I never opened it. There is an address on my credit report that I have never lived at. I have sent a letter to Chase card to this effect. I would like this to be resolved as soon as possible to prevent further damage to my credit history.
Company Response:
State: NY
Zip: 10037
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Other service problem
Subissue:
Consumer Complaint: On XX/XX/2023, I filed against Chase Complaint # XXXX. Almost immediately, and multiple times since, I have been contacted by Chase by phone with a call that begins, " This is to inform you that you are on a recorded line. '' No permission is sought from me for this recorded phone call. On multiple occasions I have terminated the call and informed Chase I will not participate in coerced recorded phone calls. Yet today, XX/XX/2023, I received a call yet again from Chase. The call came from XXXX at XXXX XXXX Pacific Time. The caller identified herself as " XXXX. '' Once again the phone call started out with " This is to inform you that you are on a recorded line. '' While XXXX would concede, when pushed, with me pushing her because I wished to establish that I had informed Chase on multiple occasions that I would not participate in coerced recordings, that her records indicated Chase had contacted me before, she informed me that her records did not indicate either how many times Chase had contacted me or what had transpired in those phone calls. Interestingly, perhaps however, she was quick once the conversation went in this direction to state, " We will not contact you if that is what you wish? '' According to her of course, this entire phone conversation was captured by recording. I believe XXXX, and by extension Chase, lied to me about not knowing substantively about Chase 's previous phone calls to me.
Company Response:
State: CA
Zip: 91411
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: On XX/XX/2023 I received a phone call from XXXX with XXXX XXXX. He called me from XXXX. He said he was calling on behalf of XXXX XXXX XXXX to confirm my information so they could serve me with a legal document. XXXX gave me the number XXXX to contact XXXX XXXX XXXX. I decided to call the XXXX back and a XXXX XXXX answered the phone saying " XXXX XXXX XXXX. '' I was confused and told him I just received a call from this number and the person XXXX said he was with XXXX XXXX and now it's XXXX XXXX XXXX. I continued to have a conversation with XXXX XXXX and he informed me that XXXX XXXX XXXX is a law firm located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA and is representing a credit card company I owe a debt to. I ask him to mail me the information regarding this debt and he said they already did. I told him I didn't receive anything in the mail and asked how it was sent, He said by regular mail. I asked again if they would send me the information because I had not received anything from them and he again refused. I asked him how can I even address this if I have no information and he then said I will have all the information I need once we get to court. He said a judgement will be placed against me and funds can be seized from my bank account and property can also be seized to satisfy the debt. I have researched this company, XXXX XXXX XXXX, online and can't find anything about them. Please help me with getting information from this company about a debt they say I owe.
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A