Date Received: 2023-07-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My father, XXXX XXXX died on XX/XX/2023. He has a deposit account at JP Morgan Chase, and his Social Security benefits were deposited into his account at JP Morgan Chase. I am the beneficiary on his deposit accounts at JP Morgan Chase. Upon his death, and his Social Security direct deposit in XXXX for his XX/XX/2023 benefits, I went to the local JP Morgan Chase branch, with a copy of his death certificate to withdraw the remaining funds and close the account. I was informed that it is the policy of Chase to HOLD THE FUNDS for ( 6 ) Months. Then I was informed that I needed to get a form from Social Security proving the funds deposited were his. However, Social Security does not deposit unless you are an owner of the account. Social security stated that there is no such form. I informed the manager of this, and she stated that it actually is a form from JP Morgan provides, but REFUSED to provide it for me. There is NO reason that these funds should be held. I am the beneficiary, I provided his death certificate, and these funds should be released to me at once.
Company Response:
State: MI
Zip: 48603
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Date : XX/XX/XXXX Bank : Chase Amount : XXXX + XXXX totaling {$10000.00} Action : I received email notifications about tickets purchasing on XXXX on XX/XX/XXXX that I did not make, on my chase freedom unlimited credit card ending XXXX. Those tickets were for events happening on XX/XX/XXXX. On XX/XX/XXXX, I immediately called Chase to report the fraud transactions. I was told by the customer representative that the transactions have been marked as fraud and a new card was issued. However, after about a month, Chase reserved the charges and claimed those were valid. I opened a new investigation with Chase fraud department, but still hear back that the charges were valid, because my name, email, and home address were used. However, those information could be compromised easily these days. I did my best, by calling Chase right after noticing the fraud charges, a couple hours after the fraudulent charges were being made on my credit card. But Chase still claim those charges were valid. Those charges are standing on my credit card balance and starting to accrue interest.
Company Response:
State: CA
Zip: 94085
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
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 I received a call from Chase Credit card company, asking if I had changed my address on my account and requested additional cards. When I told them I had not, the asked me a security question and I refused to answer because they initiated the call. I then called the customer service number on the back of the card and was advised they were freezing the account and sending me new cards. They transferred my call to a security specialist and she help me change the Name and password on my account. Upon logging in with new info I notice statement for a XXXX credit card had a balance of {$8900.00}. The security specialist transferred me to a pass due specialist because the account had been closed. This representative said the charges were from XXXX XXXX XXXX XXXX on XX/XX/2023 for {$8700.00}. I explain to her that I had never made those charges she told me that my account would be credited. We discussed a Late Fee charge of {$29.00} and an interest charge of {$37.00} that would also be credited. Then on XX/XX/XXXX, we received an e-mail from Chase stating Your next payment is almost due for the amount of {$52.00} we found on our credit report from XXXX the we had a charge form XXXX XXXX for {$52.00} on XX/XX/2023. On XX/XX/2023 we called chase and was told we had credits pending to resolve my account ot a XXXX balance.
Company Response:
State: LA
Zip: 70363
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Paid my Amazon prime visa bill down on XX/XX/2023 they put a hold on my credit limit. They claim because it was a large amount. Ive made large amounts before and they never held y credit limit, even after paying late. Ive called XX/XX/XXXX and asked about the hold and they stated because it was a large amount and they are wanting for it to clear but it cleared on XX/XX/2023 from my account and on their end, but it will be cleared on XX/XX/XXXX. Called again XX/XX/2023 and they said the same thing and said it will be off XX/XX/2023. Im being punished for wanting to pay my bill down it seems to me cause they been had the money, the money cleared the next day on both ends, so they are holding my credit limit hostage because I couldnt take the amount I owed them anymore.
Company Response:
State: MD
Zip: 21215
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Apparently there on my credit report looked at tonight on XXXX 2022 there is credit card JPMorgan credit card in my name mind u me and my father have same name I'm the XXXX he's the XXXX I am very upset that this is on my credit without my recollection and want to file fraud on this account would like to get it resolved
Company Response:
State: CA
Zip: 93906
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I first contacted XXXX XXXX, Sr. Home Lending Advisor at Chase , on XX/XX/XXXX about a mortgage on a home purchase at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I almost immediately received pre-approval and acknowledgment that my financial profile was so solid that she would be shocked if I wasnt able to close by XXXX. By then, my {$580000.00} offer on a co-op had been approved and we were proceeding to the contract stage. I agreed to put down 10 %, leaving {$520000.00} to be financed. On that same date, I received a mortgage commitment letter from Chase. On XX/XX/XXXX, I received the appraisal, for which I paid {$490.00}. XXXX assured me, it would be smooth sailing from there on out, and we were basically just waiting on board approval to close. Then on XX/XX/XXXX, I received a message from XXXX. She needed to speak to me. When we spoke, she informed me that they had discovered that the co-op was in a leasehold property, which meant we had to take a different type of loan at an interest rate that was nearly 1 point higher, with closing costs that were nearly double what they had been. This, of course, was unacceptable to me. Why should purchasing in a leasehold property with 80 years left on the lease make such a huge difference? She told me that was the requirement of the underwriters and said that if I could find a lender with better terms, Chase would price match, and she would do whatever she could to help me. So that is what I did. On XX/XX/XXXX, I received a loan estimate from XXXX that was very close to the original terms from Chase, and sent it to XXXX. I sent multiple text and emails to XXXX over the next five days. When she finally responded on XX/XX/XXXX, she informed me that I was no longer eligible for the new loan because of underwriter requirements, which deemed my assets insufficient. She also told me Chase would not be able to transfer the appraisal for which I had paid {$490.00}. This, to me, is unconscionable. Why did it take XXXX six weeks to discover that I am buying a leasehold property? What was she doing over the course of six weeks? Going to weddings and indulging in staycations? She basically wasted six of my time when she knew I have to be out of my current apartment by XX/XX/XXXX, AND she refused to, at the very least, save me {$490.00} by transferring the appraisal that had been completed on XX/XX/XXXX. When I told the agent at XXXX about the situation with Chase, he was stunned. It took XXXX six weeks to collect information about the building that XXXX and my attorney were able to obtain in just a matter of days. Plus, if XXXX uses the very same underwriters as Chase, why does the leasehold status make such a huge difference to Chase and not to XXXX? I spoke on the phone with XXXX XXXX, Chases Lending Manager, and he tried to explain the situation to me. While I have no choice but to accept his reason why the the mortgage commitment was reversed, I still believe Chase was negligent in not discovering that it was a leasehold property earlier. What exactly was going on for more than a month after the commitment, and why was I led to believe that I was a slam dunk, given my financial profile, when I was not? ( If a professional journalist with a credit score of XXXX and an annual income of more than $ XXXX doesnt qualify for a home loan with Chase , what does that say about Chase ? ) It should not have taken Chase more than a month to find out that they can not finance a mortgage for that building. Surely, if what Im being told is correct, they would have some record of another applicant in that building being rejected over the course of the past 20 years. This would not have taken more than a month to discover, if due diligence had been applied. If the building is so untouchable by XXXX XXXX and XXXX XXXX, does that mean every owner living there paid in cash? Nothing here adds up. Whats done is done. Ive moved on with XXXX. But I think the least Chase owes me is a {$490.00} refund for the money I spent on a now-useless appraisal. It wont give me back the weeks that I lost dealing with them, but it would at least restore my faith in Chase, a company Ive been connected to for decades, to do the right thing.
Company Response:
State: NY
Zip: 10028
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I opened a credit card with Chase Bank on XX/XX/XXXXXXXX that offered a XXXX first statement credit and my first statement has arrived as of yesterday ( XX/XX/XXXX ) but the credit has not been applied. I did see online that they never applied the credit, and I did call Chase Bank on XX/XX/XXXX to ask why the promotion had not been applied and they said give it a couple days. In the meantime, I am accruing interest on the money that was supposed to he credited to me and I believe that is the strategy on Chases part. I have looked online and see Im not the only one who is experiencing this. I believe Chase is behaving in a predetory manner, trying to collect extra interest by delaying or never giving the promotion at all. Thank you
Company Response:
State: ME
Zip: 046XX
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Chase solicited me for a new credit card offering a XXXX % balance transfer introductory rate. Nowhere on the front advertising or balance transfer steps did it note that a balance can not be transferred from a Chase account. I went to the website online rather than use the physical form to apply. Again it was not clearly stated that Chase transfers were precluded. When I attempted to enter the transfer account I did not receive a warning about the ineligibility of current chase balances, I received a warning asking me for the 3 digit cvv code on the card I had yet to receive. When I received the card I then received the warning chase balances were ineligible. I called chase and asked for either an exception or to have the account closed and removed from my credit as it would impact my score. They refused the exception and further stated any change in the reporting would need to be done through the bureaus. This was after I pointed out the advertising was deceptive and hiding these critical details in small print is at best shady. It also forces me to make efforts and plead my case to a third party to resolve the harm.
Company Response:
State: FL
Zip: 32082
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: We had linked our credit card to the XXXX app. Over the past ~6 months, we have been conducting some personal tansaction on XXXX that got charged to our credit card. What we discovered in our credit card statements is that Chase was charging an addition {$10.00} minimum transaction fee per transaction. We were not notified of this by Chase similar to how we would be notified of a cash withdrawal fee for transactions at certain non-Chase ATMs. The {$10.00} minimum fee is something we were unaware of and I would argue Chase has not provided sufficient notification of. They should be providing a notification before any transaction similar to what's done at non-Chase ATMs. I'm sure it's buried in contractual terms from Chase but that is not adequate notification. I also find this {$10.00} minimum transaction fee quite excessive and would characterize it as gouging their customers. What is the basis for such a high minimum? Chase needs to clarify why such a high fee is needed and how this is not taking advantage of customers.
Company Response:
State: NJ
Zip: 08540
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Hi find it unethical that Chase Bank continues to charge a {$12.00} per month fee for the inability to carry at least {$1500.00} in a checking account with them. It is not ethical for the bank to profit each month through this, I am trying to save money, and they are assessing this monthly feel. I do not meet the waiver criteria ; as I am self-employed and do not have a check direct deposited into this account. I have had great customer care over the years and have maintained a good business relationship to this point ; however I do not feel this is fair practice.
Company Response:
State: MI
Zip: 496XX
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A