Date Received: 2023-06-30
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: My bank, Chase, charges a fee if I wish to put a block on my checking account to prevent ACH debits. I believe this service should be available without a fee. Consumers have no control over ACH debits ; they are initiated by merchants and institutions, and automatically put into effect by banks. There are no safeguards to prevent unauthorized debits, even substantial ones. Increasingly vendors are requiring that I enable ACH debits ; if I don't I am charged substantial fees. The problem is, once I enable ACH debits and provide my account information, they can be difficult to stop. I should have control over which merchants or institutions are allowed by my bank to debit my account, and there should be no charge for this.
Company Response:
State: IN
Zip: 46032
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Yesterday my acct # XXXX, at JPMorgan Chase had a balance of over {$55000.00}. Today the balance is XXXX. The bank refuses to tell me what happened to the money I have reason to believe it was stold by an employee named XXXX She also stole my government benefits from social security totally over XXXX usd
Company Response:
State: CA
Zip: 94124
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Company Response:
State: TX
Zip: 77090
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I want open an account with JPMorgan Chase Chase bank and I want their Private Client account to put my money. I trust Chase after the whole fiasco with the regional banks. They wont let me open an account and they wont give a reason. When I was younger, I was left with overdrafts a lot of times but I had paid them off. Another time, when crypto was new, I was trying to transfer money into the crypto account but Chase forbid it. I never touched crypto again. I want to open an account with them but they wont give a reason. They closed the others and I want a reason. Please help me appeal that its unfair to blacklist since I have a clean legal record and no accounts of fraud. I want to open an account with them.
Company Response:
State: TX
Zip: 75013
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I called Chase about a month ago because I had 3 charges to my account that were causing an overdraft that I didnt make. They told me to lock my card and they would resolve the issue but soon after my account was closed permanently due to suspicious activity and I cant open an account with them or anywhere. They wont tell me why and I quite honestly dont understand whats happening
Company Response:
State: NY
Zip: 11212
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Every month around the the XXXX I received {$2200.00} for my social security XXXX payment to my checking account at JPMorgan Chase my account number is XXXX for the last several months Chase Bank is still my government entitlement and refuses to return the money to me he's a government benefits I believe this is a serious crime they belong to me not to Chase and Chase refuses to return them to me
Company Response:
State: CA
Zip: 94124
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/2023, I received a consolidation loan from a federal XXXX XXXX. XXXX of the stipulations of the loan was that I was to close my account with Chase Credit Card XXXX. A letter stating I wish to close my account, and a check to payoff the balance at the time ( based off the amount online ) was mailed out on XX/XX/2023. The payment was received by Chase and applied to my account on XX/XX/2023. The day they received the payment and letter should have been the date my account was closed ( if not date of payment receipt then day after which would have been XX/XX/2023 ). On XX/XX/2023 there was a charge from XXXX for {$20.00} and change that I did not remember was connected to the Chase card. However, since my Chase card should have been closed I thought I would receive an email from XXXX stating payment was rejected and to add a new payment method ; that did never occurred. During the month of XXXX, I began receiving messages about a past due amount on my Chase account. I checked the Chase account to make sure it was closed, and was shocked to find I had an overdue balance of {$130.00} and change. This was when I realized the XXXX charge was never rejected and that on XX/XX/2023 an interest fee of {$84.00} and change was charged to my account ; an account that should have been closed at the beginning of XXXX per my letter. I messaged Chase about the situation and asked that the interest charges and late fee be removed. They replied stating that the late fee of {$29.00} and interest charge of {$1.00} was removed. I also stated that per my letter that they received in late XXXX XXXX, my account should have been closed. I let them know that I would pay the XXXX charge that was charged to the account, but requested to have the {$84.00} interest charge removed. They replied that they could not remove the interest because it was a residual interest charge and that any further requests to remove the charge would be ignored and denied. I stated that it was unfair that my account should have been closed prior to the interest charge being assessed and stated that they were a horrible company to treat a long time customer like this ; a customer who liked their company and would usually pay on time. Since sending my last message I have not heard back from Chase, even though I received an message stating my message was received and I should hear back in 2 business days. It has been 4 business days.
Company Response:
State: TX
Zip: 78412
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On or about XX/XX/2023, I upgraded my XXXX XXXX Credit Card with Chase bank to the XXXX XXXX XXXX Credit Card with Chase Bank. The offer I was presented with, to which I spoke extensively with a representative, referred to the following offer : -- XXXX bonus miles : after you spend {$5000.00} in purchases during the first 3 months your account is open. -- These card products are available to you if you do not have the same card and have not received a new cardmember bonus for that card in the past 24 months. The Chase Agent assured me that as I had never upgraded a card in 12 years, nor had I ever possessed this specific card, that this upgrade was eligible for the new card XXXX point bonus upon spending {$5000.00} within 3 months ( this conversation took place on a recorded line ). A friend of mine also signed up for the same bonus, on the same credit card, on the same day, and had a countdown showing how much more was needed to spend towards the {$5000.00} to qualify for the XXXX point bonus. My account did NOT show the same information which prompted me to call Chase. I was told by Chase that the plan I was on for upgrading my card was actually only eligible for XXXX bonus points. I requested they pull up the recordings from approximately 10 days prior as I was told differently when applying for the card. I was told I would receive a letter informing me of the decision. Shortly after XX/XX/2023, I received the attached letter informing me I was ineligible for the bonus miles. This was a bait and switch and therefore illegal. The main reason I applied for and obtained this card was based on the assurance I would receive the bonus miles. Had a Chase employee not assured me I was eligible for the bonus, I likely would not have upgraded to this card. There is a substantial change in yearly payment as well, from {$95.00} to {$520.00}. At this time, I do not wish to downgrade back to my original card, I would like to be awarded the XXXX points I am due upon spending the requisite amount and an additional XXXX for the inconvenience obtaining what I am entitled to has caused me. I have already spent almost {$3000.00} of the {$5000.00} required due by end of XXXX, 2023. I will likely reach that by the end of XXXX, 2023. I have a {$15000.00} limit on this card and spend it every year very actively, and pay it off every month. I have been a cardholder with Chase for over 12 years and would expect better from a bank that has had my loyalty for all these years.
Company Response:
State: VA
Zip: 20152
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Chase bank refuses most of my transfers to other banks. They have locked my account 3 times in 2 days. They currently are refusing to approve a XXXX transfer to myself at XXXX bank.
Company Response:
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: JP Morgan Chase and XXXX have reported for years that my previous credit card status currently has a balance and late. Both companies closed my accounts, the accounts were paid in full, likewise, I havent missed a credit card payment in 5 years. After speaking with Macys regarding a late payment, the representative informed me they couldnt detect a late payment yet, a closed account 5 years ago is still reporting as current. My first XXXX card was closed because you cant use a XXXX XXXX XXXX a physical mailbox. Another XXXX card was acquired and my payments were made on time. I noticed, upon paying the closed account, it would default to the new card, a computer glitch for which XXXX being held responsible for. I have tried several times to resolve this issue to no avail. JP Morgan Chase closed my XXXX credit card account 5 years ago, and likewise are reporting to the credit bureaus as if this is my current situation. After speaking to a representative XX/XX/2023 I was informed I would have to wait 2 years before my status changed. I continue to bank with JP Morgan Chase, my Freedom card has not incurred a late payment in over 5 years, yet JP Morgan Chase for years is reporting to the credit card bureaus the status of a closed account as if its current. As a result of these inaccuracies, my credit score has dropped almost every month for the past 5 years. Likewise, Im being denied credit cards because of the inaccuracies.
Company Response:
State: CA
Zip: 93536
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A