Date Received: 2023-07-07
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Your company is reporting several accounts on my credit report inaccurately. I have never opened or given permission to anyone to do so. How did you obtain my personal information? It Is Violating, Intrusive and Illegal. These accounts were opened fraudulently, I'm very upset that you have included this inaccurate information on my credit report. I have wrongfully been denied credit recently due to the intentional inaccurate information that has caused me a world of trouble financially and emotionally. Please remove this from my credit report so I can start possibly rebuilding my credit and life. By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute.
Company Response:
State: MI
Zip: 48213
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I went to Chase to open a business account so that I could deposit a check for {$5000.00} from a grant I was awarded. Upon opening the checking account, the banker asked if I would like to set up a Credit Card Account for my business and told me about a promotional offer they were running. The offer being : if you charge {$6000.00} on the credit card within the first 3 months of the account opening, chase would give you {$900.00} cash back bonus. I figured it would be worth it seeing as I already needed to spend that {$5000.00} from the grant, but I requested a detailed explanation off terms because I am recovering from XXXX XXXX XXXX and didnt want to unknowingly get myself into a bad financial situation with a credit card. The banker set up the account, but it became clear down the road that the terms were not properly communicated to me. When, months later, I was trying to find the opening date for my credit card, to reference for the 3 month window/end of promotional period, I found an email I had received from Chase stating your application has been approved. This email was dated XX/XX/23, and was the only correspondence I ever received from chase regarding the approval of my line of credit. So, In turn I began making purchases on the card on XX/XX/23 and determined my deadline to spend the {$6000.00} to be XX/XX/23. On XX/XX/23 I was a making a number of final purchases to push me over that $ XXXX threshold but one of the vendors I purchased from did not charge me for a few items that were back ordered, even though the full purchase amount was reflected on my receipt. At this point, I reached out to Chase to request and extension/exception on the promotional offer due to my having proof of spending the full $ XXXX in the three months even if my credit statement would not yet reflect that full amount. The customer service agent I spoke with assured me that most requests for such an extension are approved. The following week however, I received a message from Chase via their in-app messaging center. The message stated that my request for an extension on the promotional period was denied because my credit account was opened on XXXX, therefor the deadline was XX/XX/23, not XX/XX/23 as I thought. I responded with a screenshot of the email I had received from chase on XXXX which said your application has been approved as proof that the promotional period should have been XXXX - XXXX but I never heard back from that chase employee. I then went into a branch and attempted to work it out in person, the banker there told me they didnt have the authority to do anything but would escalate the issue to her branch manager and get back to me. I have not been able to reach that banker since our meeting. I then called chase and attempted to escalate the complaint through their customer service line. I was told I would need to speak to several people and one by one Id be pushed up the ladder till eventually someone would be able to give me some answers/resolve the issue. The second employee I was transferred to however, told me she was the end of the line, that I could not speak to anyone else and ultimately hung up on me with zero progress made or questions answered. Finally, I went to the branch location where I had opened my business account and an incredibly nice banker by the name of XXXX XXXX spent over an hour working through the details of my complaint and compiling evidence in my favor. On top of the email from chase on XXXX stating my application has been approved, he also found an email they had sent me prior, which said they would need more time to process my application, and in looking at my first credit card statement, the statement period is shown to have started XXXX. XXXX told me he would escalate the complaint and be in touch once someone from chases complaints department was assigned to the case. The following week, I was contacted by the employee who had been assigned to my escalated complaint. She told me no extension would be given, had no answers to my questions and gave me no recourse to get answers or have this issue resolved. In my last attempt to work it out with Chase, I emailed XXXX to tell him what I had been told and asked if he was able to take the complaint any further before I went to the CFPB with a complaint. He responded with remorse, saying it was disappointing, but there was nothing else he or his manager could do to help with my complaint. I feel as though Chase has purposefully mislead me, scammed me, and are now brushing me off. As a disabled/minority small business owner, this feels predatory and is a huge blow to my efforts of regaining financial stability post major health complications.
Company Response:
State: OR
Zip: 97211
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/2023, I went to open an individual account, with future trust accounts to establish and to conduct our family business. I had two checks that were sent to me to be deposited into the account that was opened here at this bank on the XXXX of XXXX. That account ended in XXXX. One of the checks was taken from me was in the amount of {$60.00}, in which this check was endorsed over to me in 'front of the private banker known as XXXX XXXX XXXX, in which he had approved it with no issue. He even stated that they supported 3rd party endorsements and confirmed that there wouldn't be any issues. The other check was taken from me was my XXXX plan with XXXX XXXX XXXX XXXX XXXX XXXX, in the amount of {$3600.00}. Now the problem lies with the agents from XXXX XXXX XXXX, they've closed my account not even a week after it was open, and didn't have the common courtesy to contact me on why they closed my account and also decide to keep my funds. It wasn't until the 3rd week, that I was told why they could have closed it. The first two weeks I couldn't get a straight answer from them and it's almost as if they knew but didn't want to tell me, which makes me think that now I'm being targeted for whatever reason. In the 2nd week, I was told that I would be receiving a cashier 's check in the amount of the two checks combined which is estimated at XXXX. Now in the fourth week, I've called Chase bank at approximately XXXX Friday, XX/XX/XXXX and spoke to a representative by the name of XXXX, with ****wann on the phone as a witness. He was able to verify and try to help get information to the corporate so that it can be resolved. Their excuse was that they couldn't verify either of the checks. This has to be the most ridiculous excuse, considering the fact that we've given them the information to support it, so these actions are inexcusable and causing me and my family financial difficulty and now I'm out of patience. XXXX reached out to XXXX, my private banker and the branch manager at this location regarding the evidence that they can use to verify it but unfortunately no one responded to either myself or him. I have all the evidence to support my claim so they can not make any excuses. Because I had certain business that I could not take care of and a deadline for a particular business that I was going to engage in for funding, I'm demanding monetary remedy because they have my funds against my will when I've stated to them from the very beginning that I had to take care of business with these funds. I also will have a private investigation done including having all accounts audited that I've ever had with them because it also has come to my attention that this alleged closed account is being used by individuals at Chase Bank on the private side. This is Identity Theft and I do not consent to this. I'm demanding all the credits that were given to the principal account and name that I conduct business in. Another thing that I must say about this nonsense is that after speaking to another banker, it has also come to my attention that a lot of these banks are trying to coerce Americans to XXXX, including Chase, so this is unacceptable and I'm demanding remedy for their fraudulent activity. Please note that the XXXX ( aka ) XXXX, the check for {$60.00}, was signed over to me by XXXX XXXX, which has the authority to do so. This is because he is an associate for XXXX and that associate number is XXXX and I'm a member signed up through him. This is false and misleading information because I'm not the only consumer dealing with this. They've got caught in a lie and I'm seeking for remedy.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: We sold our house and received a closing check from the buyer with my husband 's and my name on it, the amount of {$480000.00}. I deposited the check to my Chase bank checking account on XX/XX/XXXX after my husband and I both signed the back of the check. Fund was cashed out of the buyer account as of XX/XX/XXXX but there was a 10-day holding from Chase bank because it was a large check. On XX/XX/XXXX, Chase bank closed my checking and saving account without any notification. When I called the bank, they said that they could not verify my husband 's name on the check and they could not release the money until they were able to verify him and they were closing my account with no reasons. The only way they could verify is that they are using their own internal phone number verification system and the phone number I gave to them is not registered under his name or does not match with their internal system. My husband 's phone number has been his since XXXX through XXXX who confirmed that the phone number is indeed under his name. When I called the buyer 's agent to ask whether they could void the check and reissue it, they told me that fund has been out of their account and there is nothing they can do about it from their end. I don't know how to get my money back from the bank.
Company Response:
State: CA
Zip: 913XX
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have opened a new business account with Chase bank on XX/XX/2023. Same day I have started using their merchant services through Chase XXXX XXXX, send payment link. I have sent payment link to 3 customers, one on XX/XX/XXXX, two on XX/XX/XXXX. 3 payments for total amount of {$1100.00} went through but were never deposited into my account. I called chase several times, and at first they were telling me that payment are in review until I received an email on XX/XX/2023 that my account has been permanently closed and they are holding funds for 120 days quote high risk of chargeback. I called them again and ask them to refund money to the customers if they are worried about chargeback and I will ask them pay another way but chase refused to process refunds. I have submitted proof of these 3 clients having their appointments done with our XXXX, their consent forms ( names matching name of payment ) but still did not receive my money back. Now chase is doing the same for my second business account that I had with them for 2 years. Last payment that was accepted on XX/XX/2023 still hasnt been deposited and when I call them, they say its in review. I have visited their location, spoken to my business manager but they say they can not do anything. I have not had one chargeback in all two years of doing business through chase, and m these clients are my regular clients who had paid before without any issues.
Company Response:
State: FL
Zip: 33028
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, {$860.00} was withdrawn from an ATM without my knowledge out of my Chase savings account. I promptly filed a fraud complaint through Chase. On XX/XX/XXXX, Chase bank credited my account for {$860.00} while they investigated the fraud claim. On XX/XX/XXXX, Chase reversed the XX/XX/XXXX credits out of my account. I called Chase in order to inquire as to why the credits had been reversed. The Chase associate on the other end claimed the Chase investigation found no evidence of fraud, therefore refused to reimburse me for the stolen funds.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, I made a transfer from my XXXX XXXX XXXX XXXX XXXX XXXX to the JP Morgan Chase in error since the that account was closed. JP Morgan Chase has lied to the CFPB and the OCC by stating that they didn't have the money. We have a voicemail from XXXX at the Executive Office stating that they do have our money but now they need permission from the Treasury Department to get it.
Company Response:
State: NC
Zip: 27616
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have unauthorized charges with XXXX in my account. I called chase and they said because its in my app I cant get my money back.
Company Response:
State: IA
Zip: 50266
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Chase automatically enrolled me in a service that is showing I have poor credit even though I have never been late on a payment. The service is run by XXXX, who whose score internally on their own report is considerably higher. Even using their own rubric, I do not have poor credit. I believe this is a pretense to charge higher interest rates.
Company Response:
State: NY
Zip: 129XX
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Fraud or scam
Subissue:
Consumer Complaint: Was scammed by a fake realtor/landlord. I realized it soon after sending my deposit. Chase Bank did little to help me, even after identifying the funds in the account they were transferred to. I was told I would not be reimbursed, there was " nothing the bank could do '' and to " just be more careful next time. ''
Company Response:
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A