Date Received: 2023-07-11
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XXXX closed my account claiming there was fraud on the account and there was no fraud. This was 3 months ago and I have not received my money that was in the account at the time of closure. They keep saying it will be mailed and it is never mailed.
Company Response:
State: IL
Zip: 60504
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
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: Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Dear Sir or Madam, I hope this letter finds you well. I am writing to file a complaint against the financial institution that operates within my local XXXX grocery store. I have been subject to a series of unauthorized actions and fees that have not only resulted in the depletion of my bank account but have also led to a negative report on my credit card. This, in turn, is significantly impacting my XXXX XXXX and hindering my plans to purchase a house. In brief, XXXX was running a promotion that entailed the provision of a bonus or reward if customers deposited money into a new bank account. As per this scheme, I opened an account and made the required deposit. However, contrary to what was promised, I never received any sort of communication, reward, or bonus in the mail. Several months later, I noticed an adverse effect on my credit card status and subsequently discovered that my account had been completely drained. Further inquiry revealed that the financial institution had levied numerous fees on my account without my knowledge or consent, ultimately leading to an account balance that stood in the negative. In an attempt to resolve this issue, I made multiple calls to the financial institution 's customer service department, only to be met with indifference and uncooperative behavior. The representatives not only failed to provide any substantial information or assistance but also hung up on me multiple times. Given this ongoing issue, I request your immediate intervention to investigate the matter and rectify the erroneous reporting on my credit card. I have been a responsible customer and have always made a concerted effort to manage my finances effectively, and this unwarranted situation is causing me undue stress and financial hardship. I believe that I am entitled to fair and transparent treatment and a clear explanation of the fees that have been charged to my account. Attached to this letter are copies of my bank statement and the credit card report that clearly shows the negative impact. Thank you for your attention to this matter. I look forward to a thorough investigation and a fair resolution.
Company Response:
State: CA
Zip: 94546
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: Fraud or scam
Subissue:
Consumer Complaint: I am a XXXX divorced woman buying a new home for the first time in 30 years. I hired a real estate agent, based in Kentucky, and looked at several properties. On XX/XX/2023 I was notified of a newly listed property at XXXX XXXX XXXX XXXX, XXXX, KY XXXX. Pre-Approval was received XX/XX/2023 from XXXX XXXX and I submitted an offer for the property on XX/XX/2023 through my realtor On XX/XX/2023 XXXX received a general outline from XXXXXXXX XXXX of what expect regarding the process of wiring the final settlement amount. XXXX XXXX outlined for out of state closings, it is not out of the ordinary for purchasers to wire the money 5 to 7 days in advance of the closing date. On XX/XX/2023 I received confirmation from a Mortgage Loan Processor from XXXX XXXX XXXX, that my loan was cleared to close and closing was scheduled for XXXX XXXX on XX/XX/2023 and I should expect to receive the final settlement figures from either my Mortgage Loan Officer, or the title company. On XX/XX/2023 1 received final settlement figures from XXXX XXXX XXXX On XX/XX/2023 A closing CO-Ordinator for XXXX XXXX XXXX, emailed wiring instructions to my realtor. On XX/XX/2023 I received an email from the realtor with wiring instructions. I forwarded this email to the loan officers at XXXX XXXX who advised I was good to come in the XXXX, Ohio XXXX branch and execute the wire transfer. On XX/XX/2023 at XXXX XXXX I executed the wire transfer of {$120000.00} from the XXXX, OH branch of XXXX XXXX according to the instructions I received from the realtor. After executing the wire, I sent the realtor a copy of the wire receipt via text at XXXX XXXX on XX/XX/2023 and via email at XXXX XXXX on XX/XX/2023. In a separate email at XXXX XXXX on XX/XX/2023, I sent the wire receipt directly to XXXX XXXX XXXX and advised they should receive the funds by XXXX XXXX on XX/XX/2023. XXXX XXXX XXXX replied to my email at XXXX on XX/XX/2023 confirming she received the receipt and information regarding the wire. At XXXXXXXX XXXX on XX/XX/2023 XXXX XXXX responded a second time to my XXXX XXXX email stating the transfer amount was incorrect and was short {$350.00} but made no mention of any other transfer details. I heard nothing further about the wire until XXXX XXXX on XX/XX/2023, XXXX minutes before closing, where my realtor advised me XXXX XXXX XXXX never received the wire. I went to the XXXX XXXX XXXX branch in XXXX XXXX, Kentucky and explained what I had learned to a bank employee who opened an investigation. I went to XXXX XXXX XXXX office, met with its Manager, XXXX XXXX where I learned the wiring instructions I received from XXXX were fraudulent. Following this I opened various complains/investigations with the OCC, the FBI, and multiple other government organizations. I tried to get in contact with Chase Bank ( the bank accepting the fraudulent wire transfer ) ; however, they were unable to speak to me regarding my situation. As of today XX/XX/2023, my {$120000.00} has still not been returned to me, nor has there been any attempt at resolution from XXXX XXXX or Chase Bank. XXXXXXXX XXXX verified wiring instructions for their transfer, but did not do so for my personal money. Chase bank failed to properly identify the individuals opening the account into which my money was deposited. Further Chase Bank allowed all my money to be withdrawn when a legitimate title company would have taken its fees and the amount to be held in escrow ( {$11000.00} ) before sending the remaining money to the property sellers. Chase Bank has knowingly turned a blind eye to banking fraud and injured a consumer in the process. It is my belief that this fraudulent account was set up quickly through the internet, without Chase Bank following sufficient verification processes. Chase Bank also accepted a wire transfer with various mis-identifiers into this fraudulent account.
Company Response:
State: OH
Zip: 44024
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was recently a victim of identity theft, and have numerous inquiries on my report that I do not recognize. The perpetrators also broke into my XXXX XXXX account, and my XXXX XXXX account but my accounts were frozen before they were able to withdraw money. These are a list of the inquires and the dates. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: IL
Zip: 60621
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: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2023, I was ran a hard inquiry on a credit card application when I asked for a reconsideration. The Chase customer service informed me that reconsiderations require a new credit inquiry. I was later informed that a reconsideration does not require a new credit inquiry. I informed the customer service representative of the misinformation and they informed me that they can not do anything about it since the credit was ran. The customer service was poor and was reluctant to work with me. Such misinformation and improper hard inquiry pulls are not right and should be taken seriously by regulators for big banks.
Company Response:
State: CA
Zip: 92675
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 was on vacation in XXXX. JP Morgan Chase bank closed XXXX of my bank accounts Their excuse was that I disputed XXXX charges which were valid and gave me no notice. Currently there was {$2500.00} dollars in XXXX account. I spoke with their fraud department and they gave me the XXXX to goto the branch and cut me a check, but when going to the branch the branch XXXX won't give me the cash because he needs an override even though their fraud/escalaton department gave the green light. They're playing games and I just want the cash that's owed to me. I didn't break any banking rules and just want my cash.
Company Response:
State: NJ
Zip: 07208
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: Funds not handled or disbursed as instructed
Consumer Complaint: After getting no where with my auto insurance company I have decided to seek action with the consumer finance. My auto insurance apparently issued a check payable to me AND the repair shop. The check specifically states the word and. Come to find out the repair shop deposited the check without me knowing and with one signature and the bank ( Chase bank ) deposited the check in the excess amount of {$14000.00}. The bank acknowledged it was fraudulent and not allowable but was not willing to remedy the situation. I need help with this and demand the bank to fix this. The check needed to be endorsed by myself and the shop. I have a copy of the check for needed evidence. I need help.
Company Response:
State: MI
Zip: 48186
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: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I opened a dispute on XX/XX/23 against XXXX stating that the item was damaged. XXXX offered a return service for refund/replacement. I could not return the item do to the item packing material being way to badly water damaged. Making it impossible to ship back do to it being to damaged/wet. XXXX refused to refund without return. So I had to open a claim. On XX/XX/23 I get a message stating that the case was closed and XXXX ( temporary credit ) was getting removed from my accounts on or after XX/XX/23. This will put my account negative or theyll take my XXXX $ which I should have access to but I dont since chase messed up badly and closed my account and is holding XXXX $ hostage. The issue was this investigation was handled incorrectly due to Chase not filing claim correctly. Chase stated on the reason for the claim was I returned or canceled this purchase but haven't been credited. this is false and nowhere near accurate to what I stated.
Company Response:
State: OH
Zip: 440XX
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I AM A VICTIM OF AN IDENTITY THEFT, SOMEONE FRAUDULENTLY OPENED ACCOUNTS USING MY PERSONAL INFORMATION, THE ACCOUNTS AND THE CHARGES DON'T BELONG TO ME. I HAVE REACHED OUT TO THE CREDITORS AND TOT HE BUREAUS BUT BECAUSE THE INFORMATION THE THIEF USED TO OPEN THE ACCOUNTS THEREFORE IT SEEMS LIKE THE ACCOUNTS BELONG TO ME. THESE ACCOUNTS ARE FRAUDULENT, THEY DON'T BELONG TO ME. OBVIOUSLY THEY HAD MY CORRECT INFORMATION THATS WHY THEY WERE ABLE TO OBTAIN THE ACCOUNTS. AGAIN I AM CONFIRMING THAT THE ACCOUNTS AND THE CHARGES ARE FRAUDULENT.
Company Response:
State: CA
Zip: 90029
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XXXX I have conducted the payment in the amount of XXXX USD from my company 's account with XXXX XXXX account of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX. JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LIMITED under their internal policy refund the payment to intermediary bank in amount XXXX USD. On XXXX XXXX, 2022 XXXX was designated under the Executive Order 14024. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to XXXX. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to XXXX for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, XXXX may not locate the records of the blocked payment. On XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXX XXXX asking them to clarify if the payment was blocked and reported to XXXX and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to XXXX for a license that is necessary to unblock my funds.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A