Date Received: 2023-07-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I deposit a check in amount of {$30000.00} in my account at JP Morgan Chase Bank. On around XX/XX/XXXX I lost access to my account thru mobile banking app without any notices. On XX/XX/XXXX I spoke to bank teller where I deposited the check to find out why I was not able to access my account info. I was told that my account was closed and no other explanation as to why it was closed. I was given a phone number to call to find out more info. Same day I called that number and was told that my account was flagged for fraudulent activity after I deposited the {$30000.00} check. and they failed to verify the person/business who have issued that check. I gave them the phone numbers of the person/business who issued me that check. and they refused to call that numbers to verify because it does not match in their system. The check has been cleared and money is already withdrawn from the person account who issued me that check. Chase bank is holding that money hostage and refused to release those funds to me till they can verify the check or refused to deposit the money back to person account where it came from. They also failed to give me any kind of time lines to how long it will take to resolve the issue and I am in desperate need of money to pay my mortgage and other bill. I had spoke to Chase branch Manger and call the chase customer service multiple time since XX/XX/XXXX and still there is no resolve. Please Help
Company Response:
State: CA
Zip: 95123
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: 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: Zero Liability Protection on card.fraud was reported immediately and also spoke to Chase after calling the phone number on the back of my credit card in the morning and stating that my card had been stolen out of my possession and there were fraudulent charges. I also have the documentation showing that I made this call and that they sent me a new replacement card I should not be paying for this fraudulent charge chase says they can not find the phone call I showed on my phone records and I even have an email from them showing it. Why are they still trying to make me responsible for this? They cant make up the rules as they go! This Is Not A Duplicate.
Company Response:
State: IL
Zip: 61701
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: Fee problem
Consumer Complaint: On XX/XX/XXXX at XXXX am went into the XXXX XXXX XXXX office of JP Morgan Chase in XXXX CT. Originally had an appointment with XXXX XXXX in regards to a HELOC account that had been compromised with a withdrawal of XXXX without any authorization, however he was unable to help us ( mother and myself ) and referred us to the new branch manager XXXX XXXX. XXXX XXXX XXXX was helpful that day to finish up paperwork for the new HELOC account due to the compromise. He gave us copies of internal emails that were sent to XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from XXXX XXXX XXXX from the home loan support department to have us come in and finish the paperwork. We never received any notification from XXXX XXXX that this paperwork was waiting for us to complete. When we spoke to XXXX XXXX XXXX that day on XX/XX/XXXX we explained the situation on the HELOC account and requested to close out the checking account as well. On the recommendation of XXXX XXXX XXXX that day he stated, " Don't close it out yet. Don't worry about the service charges. We can refund them. That way when you get this money back, it will be easier for them to deposit it into the account. " ( there were 4 of us ( mother, sister and my husband ) there that heard this recommendation. On XX/XX/XXXX, I emailed XXXX XXXX XXXX to request a refund of all the service charges at that time of {$50.00} into the account so I could close the account. I never heard back from him so I scheduled an appointment for XX/XX/XXXX to close the account. The online appointment scheduled me for someone else at the branch. There weas no option for me to chose who I wanted to speak with. On XX/XX/XXXX, at XXXX XXXX I walked into the branch and the teller behind the counter asked if I needed help and I said no I need to speak with XXXX XXXX XXXX ( which was standing behind the counter ). I started to ask him to refund the {$75.00} in services fees and he became very irritated and extremely rude to me stating. " I can't help you anymore! I don't have anything to do with your mother 's HELOC account. '' I then proceeded to tell him. " I am NOT here for that and all I want is our {$75.00} back into the checking account so I can close it out. '' He then proceeded to tell me " I can't give you any money back. the case for the HELOC account is closed. '' I then explained to him it wasn't and he again rudely stated that " I am not refunding your money. '' I then stated that " you said to NOT close the account and you would refund the charges. NOW you are not going to do that?!!!! '' " You have the authority to refund my money at your discretion, you can refund me. '' he again said no. I then became very upset and withdrew the remaining amount in the account instead of closing it because when I asked about the copies of the transaction online and asked how come I wasn't able to go back the 7 years like it stated online. He snapped at me and said, " I don't know, we can call the help desk de and ask them. '' I asked if I could request copies of all our checking account statements from XXXX when I was added onto the account after my father passed to present. He again extremely rude and cut me off as I was speaking said, " We need a letter from the state stating a 5 year look back then we can give you the copies for free. If not you will be charged. '' So, I said " Ok let 's call the help desk. " He snapped " I am not calling ; you can call the number on the back of your card, and they can help you. '' He then finished the transaction and gave me the balance remaining in the account and I left. I am filing the complaint about XXXX XXXX and his lack of communication and competency do take care of the HELOC account paperwork, I am filing a complaint about XXXX XXXX XXXX and how he advised us to leave the checking account open and he would refund the services charges and then didn't and his rudeness and unprofessional manner in which he handled the interacting with me.
Company Response:
State: CT
Zip: 064XX
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: Problem making or receiving payments
Consumer Complaint: XXXX XXXX XXXX I opened a small business checking account with Chase Bank located at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. I have two complaints : 1 ) When opening my account, I specifically stated ( twice ) that I DID NOT want my information sold and requested that it be noted accordingly. The Relationship Manager ensured me he did. Within two weeks, I received a SPAM text, email, and phone call informing me there were issues with my account and therefore my funds were frozen requiring me to call the number provided. I didn't call the number provided, instead, I call the Chase Customer Service number which they refused to help me because I didn't have my ATM card number with me. I provided them with all the other pertinent information to verify my account but was instructed they couldn't access my account without the account number. I had to wait a week when I return to town to call because I was unable to access my account through my APP. After I placed the call to confirm my account was not " frozen '', I received a call from a woman stating she was a relationship manager following up on my experience with Chase. When I explained what happened, she asked me to hold while she got a member of her IT department on the line, who was a male with a strong XXXX XXXX. While I was on hold, I XXXX the phone number that was displayed on my phone. The woman then returned and asked me for my account number and password. I told her I XXXX her number, and it wasn't a number from Chase Bank, and then she informed me she was calling from her cell. I hung up on her and she called me back from another number, which when I called it back was disconnected. 2 ) I used XXXX to transfer {$2400.00} to my Editor. I had over {$10000.00} in my account. My Editor informed me she did receive the money. I called customer service and was informed that they put a hold on the funds until " the back office '' approved the transaction. My Editor did receive the money until late that evening, which was an issue since I was on a tight deadline. Chase has no right to hold my funds of {$2400.00}, which is a legit business transaction. When I called the branch to inquire why they held up my funds, I was told they wanted to ensure I wasn't laundering money, which is the most absurd thing I've ever heard. The money was being transferred from XXXX XXXX XXXX. Chase Bank is more concerned with placing a hold on my money for a legitimate business transaction for a measly {$2400.00} than they are selling my information, which required me to go through several hoops to ensure the safety of my funds. When I went in to close my account, I reminded the Relationship Manager that I requested my information not to be sold and asked him why he lied to me and told me he noted my account. He had no response.
Company Response:
State: CT
Zip: 060XX
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: On XX/XX/XXXX, I asked my father to deposit a check in my checking account to bring my account current. He deposited the check. I went to a local Chase branch in XXXX XXXX XXXX on XXXX and XXXX XXXX and asked a teller if there would be a hold on the check. I was told by the teller that there would not be a hold and that the check would clear on XX/XX/XXXX. On XX/XX/XXXX, I logged into my account and there was a hold on the check. I then drove to the Chase branch on XXXX XXXX in XXXX XXXX, NV and inquired with the teller as to why a hold was put on the check. I was told by the teller that the check was on hold until XX/XX/XXXX. I inquired into the reason when there was no initial hold. He told me he didn't know why and that I would have to call the XXXX XXXX number. I then asked him if I could close my account. I was told that I could not close my account because of the pending check. I asked if we could have the check back since it didn't clear so my Dad could send money by other means and I was told that I couldn't. I then left. I called the XXXX number from my car and explained the situation to customer service. I was told that I had to speak to the Check Clearing Dept. After being on hold for 20 minutes, I was told that the reason the check was put on hold was that " XXXX XXXX flagged the check and stated to not clear the check. '' I was told that I would need to contact the person who gave me the check and have them contact XXXX XXXX as to why it was flagged. I then texted my Dad to find out if he had an issue with his bank account because Chase was stating that the check was flagged. He looked online on his account and the check already cleared on XX/XX/XXXX. We then called XXXX XXXX and were told that they never flagged the check nor did they state to not clear the funds. They stated the funds were already sent to Chase. My Dad filed a claim with XXXX XXXX regarding the matter. The claim # is XXXX. I then contacted Chase again via email to try and get some kind of clarification why they would state that XXXX XXXX did not clear the check when it already cleared. I received a canned email message from Chase stating there are many reasons checks do not clear but still no reason. At this point, I am receiving multiple emails a day from Chase stating my account is Overdrawn yet they will not apply the funds to my account. In addition, they continue to charge me fees even though they had received the funds. They also will not allow me to close my account. This situation has resulted in me not being able to buy food for my family or be able to pay my mortgage. If I had been made aware that there was going to be a hold, I could have gone and cashed the check somewhere else.
Company Response:
State: NV
Zip: 89149
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX XXXX of Chase Bank stole our money and wont give it backfor real. I use XXXX XXXX XXXX management services. I wrote XXXX XXXX and XXXX XXXX a good check of {$16000.00}. They did an excellent roofing job on my office building at XXXX XXXX XXXX XXXX, XXXX, Ca. They are next installing security cameras. I paid XXXX XXXX and XXXX {$16000.00}. XXXX deposited the check in his Chase Bank Account. Chase bank cashed the check. then refused to release the funds to XXXX and XXXX and instructed XXXX and XXXX to take me with him and we all provide IDs, appear at XXXX Chase branch office and verify who we are. We did as Chase demanded and Chase refused to acknowledge that we were even present at their bank. We all had appropriate documentation and ids. Chase is stealing our money. They wont release the money to XXXX and XXXX and Chase wont return the money to me! In real effect they are stealing it they will not acknowledge they hold the money and they are now claiming we must go to my bank XXXX XXXX XXXX XXXX and demand the check be returned. XXXX and XXXX and I all went to XXXX XXXX XXXX XXXX attached is the check # XXXX of XX/XX/2023 processed fully by Chase and XXXX XXXX XXXX XXXX front and back showing that Chase cashed the {$16000.00} check which cleared XX/XX/2023. We want the money released to XXXX and XXXX. Chase is politically discriminating ( not racially discriminating ) but politically discriminating because they dislike our Christ-Centered politics. We disparately need XXXX on XXXX help. Chase is crushing us because they can. Please assist us in getting the check cleared to XXXX in some business like fashion. Please. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX
Company Response:
State: CA
Zip: XXXXX
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Hello, Im trying to determine the closed date of my CHASE Sapphire card. Im thinking about reopening a new one but I also know that 48 months has to pass. I called customer service, got bounced around to 3 different people and couldnt get an answer.
Company Response:
State: DE
Zip: 19709
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Questioned a charge of {$1.00} on the account for which Chase attempted to impose a {$28.00} junk fee creating a balance of {$29.00}. When requesting clarification Chase responded with we cant locate the transaction information you requested and then added another {$28.00} junk fee. They also addressed the letter to XXXX XXXX. Im concerned that someone else may by manipulating this account as Chase would never try and collect {$56.00} in junk fees for a {$1.00} charge that they cant even verify. They also stated a replacement card was mailed over 2 months ago and they dont even know where they sent it. They still use an address that was changed 5 months ago.
Company Response:
State: NY
Zip: 106XX
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: Problem using a debit or ATM card
Consumer Complaint: My name is XXXX, I had received an email from a scammer pretending to be the President of my company requesting for me to purchase {$600.00} dollars worth of gift cards to give them away to employees at an XXXX. As I believed it was the President of my company the day of the transaction was on XX/XX/XXXX at an amount of {$600.00} that was purchased on my debit card. When I found out that this was a gift card scam I immediately called Chase bank and reported the problem and they mentioned they could not help me because I made the transaction. I have a language XXXX so sometimes people can not understand me so I proceeded to call again the next day with my XXXX that helps me. I told the bank although I did make the purchase I was mislead through false pretenses and was mislead by the scammers for gift card purchases. After explaining this to the bank I was told that they were going to put the money back into my account and I should not have to worry about it. The money never came back into my debit card and me and my XXXX proceeded to call again and they said they were going to reimburse me the money while they did the investigation. The first person said that I would get reimbursed for sure with no issues and the second person said something completely different. I already felt deceived by being scammed and also felt saddened that the bank could not give me the correct information to help me with this unfortunate situation. Chase bank notified me that they were not able to help me and could not return me the money that was scammed from me as part of a gift card scam because I authorized the purchase. Again, I notified the bank that this was not an authorized purchase because I was deceived under the pretenses that it was my President of my company. The bank refuses to refund the money and was hoping to share my frustration and disappointment and hopefully get any time of help. I have also reporting the incident directly to XXXX and was notified that I would not be able to be helped with the gift card scams. I was mislead under false assumptions and I am a victim of a scam and hope I can get any help at all. Thank you
Company Response:
State: CA
Zip: 91911
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Jp Morgan Chase closed my account with out notice on XX/XX/2023 went to get groceries and gas for my family and my dept card was frozen said declined so I called chase knowing I had funds in my account with know way to provide for my family on the XXXX talked to XXXX branch manager in XXXX she said they don't know why but I was able to get my funds out and explained I get paid on Friday the XXXX of XXXX she talked to someone on the phone and said I could access my funds wensday the XXXX but chase is still closing my account called that Friday and XXXX the branch manager said my account was closed and apologized. But that doesn't fix things because I had no food to feed my family or fuel to travel to get help and chase never kicked my compensation check back to va to be resubmitted to me and as I know of today the XXXX of XXXX they still have not sent it because I am begging for help as a veteran of XXXX pretty sad when a institution that says does for veterans denies your rights to access your funds after banking for 12 years and you only gained small interest rates if any from them.
Company Response:
State: KY
Zip: 42503
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A