Date Received: 2023-07-05
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I am trying to make my monthly automobile payment of {$400.00} and the lender XXXX XXXX Chase Auto Finance will not accept the payment. Instead it is showing {$1300.00} remaining payoff balance on the entire loan. It will not let me pay just the normal monthly amount and I don't know why? Why is it seemingly forcing me to pay off my loan early? Please explain. I would like to make my normal monthly payment amount only. Why can't I do this? This is a new seperate issue since my last cfpb complaint.
Company Response:
State: FL
Zip: 32940
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: The car wash I attend had a malfunction and my car was affected so the gentlemen wrote me a check for a repairs the check is funded by the car wash. I cashed the check with my bank account. Chase they said it would be released next day. Then it was on hold for 14 days. I thought it was just because it was a newer company or something but then my entire account. Was restricted. The chase representative said it needs verified through their account and the company is not showing up or the number I provided. They cashed the check but I do not have access to the funds. Asked me to have the provider recall the check. I advised Im trying to not make the situation worse and asked them to send it back they refused. Refused to release it said they cant verify it when I gave them all the info I have. Said if its not verified it will just sit there until chase can verify it with their system and locked ky account and all my funds
Company Response:
State: MO
Zip: 64152
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hi, My name is XXXX XXXX The XXXX of XXXX XXXX XXXX. I did a Job for XXXX XXXX XXXX. And he gave me a payment of {$50000.00}, Chase put a hold on the {$50000.00} and then they decided to put on hold a until they verify the llc, And the way they verify is they call the phone number of the llc that is on XXXX XXXX, And since there is no phone number for the llc on the XXXX XXXX they wont release the money, and are not willing to send back to XXXX XXXX XXXX. and they claim they can keep it. Basically they closed my account and they are keeping from me over {$80000.00} and they are putting my small business at risk. I need back the money from chase yesterday
Company Response:
State: NY
Zip: 11206
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I was on the XXXX site on XX/XX/2023. They advertised a free trial for XXXX XXXX. I accidentally accepted it but cancelled within XXXX hour. They billed me {$29.00} immediately. I called both XXXX and XXXX and neither would help. The XXXX account and app was deleted from my phone so I will not have access to the account during the entire billing cycle. Chase refused to credit my account for the fraudulent charge.
Company Response:
State: TX
Zip: 76006
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: 3 checks were fraudulently deposited by mobile deposit to my account and cashed against my positive balance. They bounced and then I was charged for the balance. I have identity monitoring on my account and the bank never once notified me of these transactions thief even called the bank asking about the funds and bank teller gave out my account information to the wrong person who claimed to be me then proceeded to steal all funds from my account and all linked accounts and credit cards were all over limits before I was able to get in touch with bank to notify them of the fraudulent activity they were supposed to have been stopping in action. I was charged all fees incurred and my account was closed
Company Response:
State: CA
Zip: 960XX
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Chase chose to restrict and close my account. They informed me that my direct deposit couldnt be deposited. They then accepted the deposit and will not allow me access to my paycheck. I need my paycheck to feed my family. I will not get paid again until the end of XXXX.
Company Response:
State: IN
Zip: 479XX
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau Subject : Complaint against Chase Bank regarding account closure and withholding funds Dear Sir/Madam, I am writing to file a formal complaint against Chase Bank regarding the imminent closure of my account and the unjustified withholding of funds. I believe that Chase Bank 's actions are in violation of consumer protection regulations and warrant investigation by the Consumer Financial Protection Bureau. On XX/XX/2023, Chase Bank informed me that they will be closing my account due to their inability to verify the issuer of the three checks I deposited. These checks were dated XX/XX/XXXX and XX/XX/2023. Despite the fact that these checks have been cleared, Chase Bank has restricted my access to the funds, citing the need to verify the issuer. In an attempt to resolve this issue, I contacted Chase Bank on XX/XX/2023, and provided them with the phone number of the issuer. However, to my dismay, the representative informed me they would not contact the issuer as the provided phone numbers were not approved. This arbitrary restriction further exacerbates the problem and prevents me from accessing my own funds. Furthermore, the representative stated that any funds other than those from the checks would be returned to me. However, the funds from the checks would be withheld for up to two years and then sent to the state. I would then be required to work with the State of New York to recover the withheld funds. This unreasonable course of action places an unnecessary burden on me as a consumer, as I would be subjected to additional time and effort to retrieve funds that are rightfully mine. I strongly believe that Chase Bank 's actions are not only unjust but also contrary to the principles of fair banking practices. I request that the Consumer Financial Protection Bureau launch an investigation into this matter and ensure that Chase Bank rectifies the situation promptly. I kindly ask for the following actions to be taken : 1. Investigate Chase Bank 's account closure policy and the withholding of funds without proper justification. 2. Determine whether Chase Bank 's refusal to contact the issuer of the checks is reasonable and compliant with consumer protection regulations. 3. Ensure that Chase Bank provides immediate access to the funds from the cleared checks and any other funds in my account. 4. Impose appropriate penalties and corrective measures if it is found that Chase Bank has violated consumer protection regulations. I have attached copies of relevant documents, including the deposit slips, cleared checks, and any communication with Chase Bank, for your reference. I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue promptly. I look forward to a resolution that ensures my access to the funds and upholds the rights of consumers. Thank you for your time and consideration. Sincerely, XXXX XXXX
Company Response:
State: NY
Zip: 11377
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I receive my XXXX XXXX Report on and notice there were banks that I don't have on there. These Banks that's on there are hurting me from getting approved for my business account. I already reached out to XXXX XXXX about this multiple times they keep violating my rights under the 15 USC 1681B. I also attach a copy of my identity theft report.
Company Response:
State: IL
Zip: 609XX
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This is a fraud case with my business checking account. I own a construction company and was given a fraudulent check to deposit into my business checking account for a closing on a piece of property. We deposited the check like we have for almost 30 years. Our bank made the funds available. We didnt ' feel like anything was wrong. We followed the wire instructions to send to closing and then found out the check was fraud. We have contacted the police, FTC, Attorney General, the other bank it was wired to, XXXX fraud dept at Chase bank, FBI, and now here. We can not get anyone to help us. My own bank ( Chase ) dismisses us like we are the criminal. I am at my wits end and are about to loose my business because of this. Can someone PLease help me? THanks so much, XXXX XXXX
Company Response:
State: FL
Zip: 32828
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Ive been banking with Chase since 2006, nothing was wrong until last month, they closed all of my accounts. I tried to call them to ask about it, they just said seems like Chase ended relationship with me. I didnt do anything wrong.
Company Response:
State: TX
Zip: 75040
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A