Date Received: 2023-07-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX I entered into the XXXX mortgage protection with Chase Bank due to lost of employment. I was told I qualified for XXXX months of protection. XX/XX/XXXX Chase Bank sent me documents to modify my existing mortgage changing my loan to a XXXX year loan with 6.7 % interest rate. I refuse to sign as I'm not in agreement with these terms. I have an FHA loan and I should be eligible for other repayment options. I never submitted any income so the bank doesn't even know if I'm financially able to make the new proposed payments. They refuse to give me other options.
Company Response:
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I Have intentions of paying the balance but having placed on my credit profile without contact is unprofessional. Furthermore a representative informing me that this could negatively impact my credit isnt within the guidelines for a creditor/debt collector to discuss with a customer.
Company Response:
State: FL
Zip: 32703
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/XXXX XXXX XXXX I opened a checking account with Chase Bank online. From there, I deposited two checks. One check for {$850.00} and another for {$940.00}. After depositing these check through the mobile app, the bank released some of the funds. The next day, XX/XX/XXXX, when I went to use the funds, a hold has been placed on my account. I called 3 times that day to get the situation straightened out, but was given different information each time I called. On XX/XX/XXXX, I called two more times as the funds were still on hold. They released part of the funds, but would not give me the full amount of funds left. I then was told to go to the physical bank with my identification documents. On XX/XX/XXXX, I went to a local bank branch to follow up. This branch gave me more contradictory information and told me I wasn't supposed to come in person, but rather gave me another number I was supposed to call. My account was then closed by Chase with no reason given. From this time, I have tried multiple times to call to get the rest of my funds returned. They have given me {$1000.00}, but I am still owed {$720.00}. The check ( which is a paycheck ) was cashed so I was unable to stop the check. Since XXXX, Chase has been withholding these funds from me and because they closed my account, I have no way to access them. My attempts at calling and resolving the matter have resulted in nothing thus far.
Company Response:
State: CA
Zip: 90018
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX I deposited # XXXX into the drive up atm at XXXX XXXX. I received an error code that I needed to call the bank. I did and was transferred by an agent to speak to the claims dept. Was on hold for one hour then the phone hung up. I called the next day but was closed due to holiday. I called XX/XX/XXXX and put in a report. Was told I will receive a temporary credit til the investigation starts. Agent said I would see the funds in 2 hours. No fund where there. Called back today XX/XX/XXXX and agent said it is being further investigated and can take up to 45days before I get my funds
Company Response:
State: CA
Zip: 93536
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 my XXXX app and account was hacked. My debit card information at the time was saved within the app. On the afternoon on XXXX I received numerous emails from XXXX stating my account password had been changed, an address had been added and 2 orders had been placed. Neither of these orders were placed by me. I was able to call one of the XXXX stores in the XXXX, TX area and I was able to cancel the pick-up order. The 2nd order was a delivery order and it was unable to be canceled. The delivery order was around {$130.00}. I wasnt able to immediately file a dispute on the charge since it was still listed as pending. The first opportunity that I had, I filed the dispute and Chase Bank credited my account. I then canceled my debit card per Chase banks recommendation. This lead to lots of headache since I have numerous bills linked to that card. Chase bank completed their investigation and claimed that the charges to XXXX were authorized and they then removed the {$130.00} from my account. I submitted numerous documents to Chase Bank trying to plead my case. I even provided the address to where the groceries were delivered in XXXX, TX. I also submitted a police report with the XXXX Police Department. As of today, XX/XX/2023, Chase Bank continues to claim the charges were authorized and my account had not been hacked. After 15 years of banking with Chase Bank, I can say that I am truly disappointed in the customer service and assistance that I received during this time. I can assure you that I would not have canceled my debit card and went through all this headache had I bought the groceries!
Company Response:
State: LA
Zip: 71303
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I did a maintence repair for a costumer and was payed with a check the information was not verify on the check and was believed to be fraudulent and as a result previous chase account was closed and I have been denied opening a new account at diffrent banks and branches
Company Response:
State: MI
Zip: 48228
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: I have been registered to my fathers credit as an authorized user for years now. He has many credit transactions that shouldve built up my credit score and made a credit history. But every time I try to apply for anything that involves my credit, it wont allow me to apply because I do not have a credit history. I just want to figure out why this is happening and how I could fix this so I can start using my credit to finance certain things.
Company Response:
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
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: XXXX XXXX XXXX XXXX i was in XXXX for vacation. I had a rental car throughout the trip and on the last day on the way to the airport, i stopped at one of the last gas stations before the airport exit to fill it up the car before i returned it. I used my XXXX XXXX card throughout the whole trip but once i got to the pump, never getting out of my car at any point, i asked the attendant for gas and gave them my XXXX. they stated that they didn't accept XXXX so i went ahead and gave them my chase visa card. they charged my card and i went on my way, never getting out of my car at any point. i then returned my car and was on my way home. the next day when i arrived home, i check the chase app and see the {$44.00} charge for gas posted on XX/XX/23 with the description as " XXXX XXXX '' and categorized as gas. i also saw another charge " XXXX XXXX XXXX XXXX categorized as shopping for {$360.00} posted on XX/XX/23. these are the only charges during this period other than online amazon charges. i reported this to chase right away and even on that initial call, the rep stated that my card was swiped for those two charges at the same exact time- so this should be the first clue that the gas station attendant was doing something fraudelent. i wouldn't have time to go from the gas station to the store and make those purchases within a minute- i also don't know what i would buy at a gas station for {$360.00} in XXXX- the merchant names don't even match. i finally got Chase 's decision and they said that as a result of their investigation, i will be responsible for these charges since it was done in person with a chip. Chase 's outcome is only based on the fact that the chip was used, nothing else was investigated like asking the merchant what even was purchased with that {$360.00}, etc. if they even requested camera footage, they would see i was in the car the whole time. I explained to them the situation over 6 times at this point and still the same outcome. they are not investigating enough and claiming they did and then telling me to contact the store or the police dept in XXXX just trying to waste my time - that is their job. they are basing this all on the fact that the chip was used in person. as a credit card customer i feel helpless bc chase won't help or even investigate further and the whole point of even using a credit card instead of cash in places like XXXX is to feel protected as a consumer otherwise i would just have used cash. i am a XXXX myself that hold a certificate, i would never jeopardize my certificate for a lousy {$360.00}. chase is trying to pin this on me and their incompetent staff are not thinking critically, they are probably just going through regular protocols that just don't make sense. the fact that both charges were made at the same time and the two merchant being different should make it obvious. also forgot to mention, chase requested itinerary details and i provided it to them without an issue and then they said that wasn't sufficient although i literally provided what they requested.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: I recieved my tax refund of {$16000.00}, on a cashiers check from the XXXX XXXX XXXX XXXX on the date of XX/XX/2023. At the time i had lost my ID and did not have my own bank account so a close friend of mine offered to cash it with her bank since she has done it before so we went down to Chase Bank to their branch in XXXX CA with the whole check check stub still attached sothe bank teller instructed us to do a third party endorsement ias the owner of the check shoukd write on the back " Pay to the order of " and insert my friends name right after then put my signature right under that and that that would make it a proper third party endorsememt then for my friend to sign it and deposit it into her account so shedid and then we handed it to the teller thenranthecheck immediztely they placed a 30 day hold on it saying the funds would be released after 30 days. We called XXXX holds department to see what we could do about lifting the hold because i wanted my money before the they told us they needed to verify the check by XX/XX/2023 they did verify the check with XXXX XXXX XXXX XXXX XXXX ( the issuers of the check ) So theyverified the check and recieved the money but come 30 days laterthey wont release the funds not only that they completely closed my friends account and for them to be released they wanted a number that is tied to my name the cell phone number i had wasametro pcs number on a family plan under my fathers name so i went down to XXXX GOT a brand new phone plan under my name then called XXXX gave them that number and Chase bank wouldn't accept it because in whatever database they run the number through it doesnt come back to the same name thats on the check which is my name i called the phone company they assured me its in my name so then i went with. A XXXX and got a phone withthat company since XXXX would be tied to my credit then it should be under my name i did that and Chase Bank still wont accept it ive even gotten an obama phone withthegovernment and not a single one of the numbers will work me along with my friend whos the owner if the XXXX account and XXXX the owner of the check have called somanytimes i haveeven gone down to the chase bank with XXXX of ID including my state ID and they will not release the funds that they dont do in person verifications anymore that they will onky verify it through the phone ive begged the issuers of the check to recall it but they say they cant do anything because they already funded it to the bank and it would have to be resolved with Chase XXXX dont knowwwhat else to do i XXXX XXXX to get a phone number that chase bank XXXX XXXX every dber ive tried they wont accept it theyre just keeping mY money
Company Response:
State: CA
Zip: 92223
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Problem with customer service
Subissue:
Consumer Complaint: Hi Ive been banking with chase business since XX/XX/XXXX. Recently they closed my account due to checks bouncing. Currently they have XXXX on hold to confirm XXXX checks. Ive provided the bank with personal and business phone numbers but they keep saying the numbers cant be verified. Some of the checks are issued from chase bank customers and they cant get verified. The money has already been taken out from the vendors account. Chase has a hold on funds to verify but any number I provide business or personal wont verify. I even bought a chase client into the the branch to get checks verified that he wrote & they didnt allow that. There are not giving any other alternatives on how to get checks verified beside a phone number. Ive provided business phone numbers and personal numbers. This issue has been for about 60 days now. I can provide documents for all XXXX checks that have been cashed by the makers bank but chase is holding the funds. The makers cant even do a recall on the check. Every day I call I get the same answer. It is frustrating that they only way one way to verify checks and they cant verify they own clients. Multiple checks that are on hold are from chase bank clients itself. If I cant get a chase check verified what does that mean for my other checks from other financial institutions?
Company Response:
State: NY
Zip: 11101
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A