Date Received: 2023-06-27
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I was only browsing through the credit card benefits but never submitted an application. Chase checked my credit score without permission and kept sending documents to fill out the rest of the application, which was accessed by mistake. Although I asked them to cancel everything they did not follow through, and when I called the second time they denied application instead of acknowledging that this application never really has been submitted.
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Hello, So I received a letter in the mail from my banking institution ( Chase ) stating they are closing my checking and saving accounts and canceling all 3 of my credit cards. I have been with chase for almost 23 years, and I am completely baffled by this. this is a major inconvenience and could affect my credit scores because they are closing my credit cards. I am in the financial industry for almost decade now and I pride myself on having excellent credit. my job could be negatively impacted by this decision chase has made. the only reason I can think of why they would close my accounts is the amount of money that was being spent from my accounts in the past year. otherwise, I have been an excellent member of Chase for 23 years and I have excellent credit and make excellent money. this decision is just absolutely absurd, and I really wish they would reverse this decision. I don't know what else to do here but this is just not right.
Company Response:
State: NY
Zip: 10591
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I have XXXX credit cards that were opened under my name apparently. Both credit cards I did not give authorization for them to open. Both cards are almost maxed out with the limit but I see that they have been making payments on time for the past few years. I was not aware of these cards until I got a Chase bank account with their credit journey feature on the app. I seen the cards on there. So Chase bank can not resolve the issue with me. The accounts have been opened for over XXXX years and I'm XXXX XXXX XXXX. I know both people that has the cards XXXX is my father the other is my stepmother. I need help closing these card because it's affecting my credit score and plus they did not have my authorization to use my personal information to open them. Please please help me resolve this issue, thank you.
Company Response:
State: IL
Zip: 60706
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have received a statement from Chase and also from a creditor ( XXXX XXXX XXXX XXXX ) that I owe a number amount of debt. I didn't open new credit cards. I only have XXXX credit card opened. I've been receiving mails & emails that there were accounts opened under my name. I don't recall and authorized opening a credit card. I think somebody has been using my identity and using my personal information to open accounts.
Company Response:
State: CA
Zip: 90806
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Here is the summary of the banking issue faced by XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX with Chase Bank regarding a rent deposit refund check. * Residential Details : The trio resided at XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and moved out on XX/XX/XXXX. The apartment was rented under the names of XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. * Check Details : Upon moving out, XXXX XXXX issued a check for the rent deposit refund amounting to {$3900.00} ( check number XXXX ), payable to all three tenants. The check was issued on XX/XX/XXXX, and sent to their new address at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX. * Bank Issue : XXXX XXXX tried to deposit the check online using her Chase bank account. However, the check stayed in a 'pending ' status for an extended period before XXXX XXXX account was unexpectedly closed by Chase XXXX * Bank Visit and Verification : Following the account closure, all three individuals were asked by Chase to appear in person at the bank branch to verify their identities. Despite XXXX and XXXX being out of the country, all three of them managed to visit the Chase branch. They presented two forms of identification each and were informed by XXXX XXXX XXXX, Assistance Vice President, Private Client Banker - SB/MOD, that XXXX could XXXX a new account, and the funds would be credited within five business days. * Delay and Non-Fulfillment : Despite repeated assurances, the money was not credited to XXXX 's new account. Instead, they kept receiving calls for re-verification and were continually redirected to other staff members. * Inability to Issue New Check : Meanwhile, XXXX XXXX attempted to issue a new refund check but were unable to retrieve the original funds from Chase Bank. * Fraud Department Interactions : After approximately six weeks, Chase called again, informing them that the fraud department was providing " push-backs '' and they could no longer assist. The bank promised to reach out with instructions on filing a complaint, which they never did. * Evidence : XXXX received a letter from the bank showing the debit transaction details of - {$3900.00} and stating that her account was closed on XX/XX/XXXX. She also received multiple voicemails from Chase 's executive office, with the case number XXXX. The clients are left in a precarious situation with their rightful funds unjustly withheld by the bank. They are looking for legal assistance in retrieving their money from Chase, which they believe was unjustly taken under the pretext of a fraud suspicion. This is the Chase case number XXXX XXXX phone XXXX ( XXXX ) XXXX extension XXXX XXXX phone number ( XXXX ) XXXX extension XXXX Infos of XXXX branch person we spoke to at Chase XXXX XXXX XXXX XXXX XXXX Assistance XXXX XXXX Private Client Banker - SB/MOD NMLS ID : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX Office XXXX XXXX Service Line : XXXX XXXX XXXX
Company Response:
State: CA
Zip: 91325
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Friday XX/XX/XXXX, there were 2 deposits made to my checking account. The first one was my payroll direct deposit from XXXX in the amount of {$2400.00}. The second one was a check from my attorney, XXXX XXXX XXXX XXXX XXXX in the amount of {$64000.00} as part of a settlement for an accident that occurred in XX/XX/XXXX. When I deposited a check, I was informed that there will be a hold on it until XXXX XXXX. At that time, I still had available balance of my own funds in approximate amount of just over {$3000.00}. Later that afternoon my kids and I left for a short trip out of town to celebrate my birthday and my child 's graduation. On Saturday XX/XX/XXXX, we attempted to use my debit card at an amusement park. The card was declined. At that time there was over {$2000.00} as available balance after I paid for the hotel and dinner on XX/XX/XXXX. We identified the closest Chase Bank branch and arrived there at XXXX ( 15 min before closing ). That is when I found out that my account was frozen and I was not able to use my debit card or have access to any of my funds, including the funds from my payroll. I was left with no funds. The branch supervisor was able to find a way for me to withdraw some money for the rest of the weekend, so that we could at least finish our mini vacation. I have contacted Chase Bank via phone on Monday XX/XX/XXXX. I was informed that they would remove the freeze by the end of the day. On Tuesday XX/XX/XXXX, my account was still frozen, however it stated that all my funds, including the settlement check, were available for use. I contacted Chase Bank again and spoke with a supervisor named XXXX who stated that my lawyer 's phone number needed to be verified and that he needed to contact them. We then contacted them on a merged call. The issue still has not been resolved. At this point I am not able to pay my bills or have funds for food for me and my children. I am also incurring late payment fees as a result. I was never notified of my account being frozen. I am a single mother of XXXX XXXX recovering from a recent XXXX XXXX due to that accident. In addition, I came as a XXXX over 32 years ago and worked hard to obtain an education and build a career here in America. I feel that I am being discriminated against as a single income mother of XXXX who comes from an XXXX XXXX. I hope that you are able to assist me with resolving this matter.
Company Response:
State: NY
Zip: 10463
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: A credit card that I don't recognize was opened up under my name. I only have XXXX XXXXXXXX and XXXX credit cards, but XXXX XXXX and XXXX both say that I have a JPMCB card services ( which doesn't belong to me ). I have filed two disputes with XXXX, but both of them got rejected and they aren't doing anything to help.
Company Response:
State: WA
Zip: 98199
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My XXXX XXXX XXXX mom and I share a checking account with chase bank. On XX/XX/XXXX we noticed small increments being deposited to our account. XXXX cents, XXXX cents etc. the next day we noticed multiple phone transfers to an account XXXX by XXXX that we never heard of totaling {$4900.00}. Chase revered the charges but then days later reversed the reversal leaving our account- {$4700.00}. This should have been a red flag at chase since I only had {$400.00} in my account. I went to see local branch manager, spent hours and hours on the phone with claims and fraud dept to no avail. I then called chase corporate. I got the same answer from everyone. Nothing they could do. I even sent email to XXXX XXXXXXXX XXXX of chase. Havent heard from his office yet. They now want my mom to pay pack all this money which is crazy. She only had {$400.00} in her account. They said they got in touch me an I agreed these transactions were legit. I never, ever would agree to something like that. Doesnt make any sense. They are now taking my moms social security checks to pay this money back, that was their mistake, leaving her penniless. All we want is for her account to be whole. The {$400.00} and social security check, {$1700.00}. On XX/XX/XXXX they will take her next social security check. Please, if anyone could help us.
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Information is still showing as delinquent when the account has been paid in full.
Company Response:
State: WI
Zip: 53210
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Received letter in mail XX/XX/XXXX advising that my application for a Chase credit card was missing information. I reviewed my credit report as I did not apply for a new credit card. Notes that XX/XX/XXXX there was a credit check from XXXX and XX/XX/XXXX there was a credit check for XXXX. Looking for advise on how to protect myself from someone opening a credit card under my name/ credit, as just this credit check, lowered my score by XXXX.
Company Response:
State: PA
Zip: 178XX
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A