Date Received: 2023-06-26
Issue: Other transaction problem
Subissue:
Consumer Complaint: I have been a loyal Chase customer for DECADES, and prior to the last 5-7 years I had never had any grievance or issue with JP Morgan Chase XXXX Unfortunately, things have progressively gotten worse and worse over the last few years. My latest issues stem from unexplainable payment failures, many of which end up costing me money. I have brought this to the attention of my local branch and asked them to sort out the issue MULTIPLE TIMES. Approximately 2 months ago my " Chase private client banker '' XXXX insisted I come into the branch PERSONALLY and bring multiple forms of ID with me to get the issues resolved. I initially questioned it, explaining such a request was a major inconvenience given the hours the branch is open conflicts with my business/work hours. That said, I could no longer afford banking issues costing me money so I complied, with the goal of getting the payment issues RESOLVED for good ; I was reassured by Chase that they had sufficiently flushed whatever fraud gremlins/ID issues out of their system and I would not have such issues moving forward. Approximately 2 weeks later on XX/XX/2023 I submit a " Real time '' Chase ACH payment in the amount of {$700.00} USD. Chase confirmed the transaction. I was provided a transaction number XXXX and Chase withdrew the funds from my account. I had EVERY REASON to believe and EXPECT the transaction was successful ; including a transaction/confirmation number from Chase. The subsequent day I was contacted by the vendor advising they had NOT received funds. I immediately lodged a payment inquiry via Chase online, that inquiry resulted in a generic response from Chase advising to " contact local branch for more details ''. Okay fine, so I contact my Chase " private client banker '' XXXX who requests I give her 48 hours to look into it. Days later XXXX emails me back advising she was able to locate the transaction but is has no explanation for the ACH payment failure., XXXX said she was escalating the issue to her branch manager, and he would contact me within the next few days. Days later the branch manager called and said he also looked into the ACH payment and did not know why it failed, he suggested when issues like this occur to " just resend the money ''. I explained to the manager it IS NOT as EASY as RESENDING the money, each time CHASE FAILS, I SUFFER LOSSES. I have been patient, I have complied with their bogus requests, I have done my part and the money is in the account, I demand answers regarding these failures AND I demand CHASE pickup the tab for the damages. The branch manager said he was going to " escalate my complaint '' and to expect a call from corporate in the following few days. Days later, I was contacted by a Chase representative whos english I could barely understand ; she asked me to explain the issue which I did and she immediately advised she worked in the work department and had to transfer me. Okay, I waited to be transferred ; the next guy I am transfered to and go through the story with ultimately gives me the same answer " I have to transfer you to the correct department ''. I was transferred around 4 TIMES before I gave up!!! Thanks Chase for wasting yet another hour of my life! At this point I give up. I will be filing suit against chase for the damages I suffered due to the FAILURE to conduct a simple bank transaction. However, this just is NOT right, how on earth are the banks allowed to XXXX AND XXXX consumers, and when they XXXX up there is ZERO RECOURSE? Surely, with all the " banking regulation '' there must be a reason why this keeps occurring. I request government regulators further investigate ; I will be writing to my congressmen and senator as well. This is NOT right.
Company Response:
State: TX
Zip: 75006
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN to report anything on my consumer report which violates my rights as a federal prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer ham demanding the de accounts listed IMMEDIATELY!
Company Response:
State: MS
Zip: 39759
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023, I logged into my JP Morgan Chase bank account to review my balances and saw that my savings account balance was {$890.00} and my checking account balance was {$0.00}. These amounts were significantly inconsistent with my balance and activity. I looked at my checking account and saw 59 ATM withdrawals had been made on XX/XX/XXXX and XX/XX/XXXX in amounts of {$1.00}, {$100.00}, {$140.00} and {$160.00} and totaling over {$9000.00}. I immediately went to my bank branch to discuss next steps. A case was opened by XXXX XXXX, the Branch Manager of Chases XXXX XXXX branch. XXXX XXXX canceled the card ( which was still in my possession ) and closed the accounts. XXXX XXXX reported the unauthorized transactions and I expected that I would get my money back, Instead, on XX/XX/2023, the Chase Customer Claims team sent a letter stating that they found all of these transactions to be authorized and would not make an adjustment. 59 transactions below {$200.00} over 2 day period should have been flagged by Chases Financial Crimes staff, as this activity is not wildly inconsistent with prior account activity but is the very definition of unusual or suspicious activity as described in the Interagency Guidelines on Identity Theft Detection, Prevention and Mitigation. Chases failure to identify this fraud is grossly negligent. My prompt reporting to Chases bank manager took place within 48 hours of the clearly fraudulent activity. Under Regulation E, had a legitimate review taken place, my liability would have been capped at {$50.00}. It is disappointing, although not surprising given Chases regulatory history with respect to money laundering, sanctions and fraud detection weaknesses, that I am now seeking assistance from the CFPB to be made whole.
Company Response:
State: FL
Zip: 33437
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: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: On XX/XX/XXXX there was a sitewide glitch on Chase 's end that sent out duplicate XXXX payments on that day, causing my payment of {$2300.00} to be charged a total of {$4600.00} to be withdrawn from my account. My XXXX history shows that I only authorized one payment. As reported online here : XXXX XXXX XXXXXXXX I filed a claim with Chase on XX/XX/XXXX about the duplicated charges as well as an earlier complaint with the CPFB ; in turn, Chase reversed my duplicate charge on XX/XX/XXXX. However, even though I was debited twice, my recipient only received a single payment. That single payment was then reversed on XX/XX/XXXX so the payment was sent to the right address, but was reverted back to Chase. My recipient effectively received a net total of {$0.00} and I am still responsible for the {$2300.00} of the funds that did not go through. I no longer have access to those funds as they were debited out of my account and must send over replacement payment. I went in person to a Chase branch on XX/XX/XXXX and they confirmed that they could see the two posted payments being debited to my account, however XXXX XXXX received one charge of {$2300.00} and one of {$0.00}. My recipient 's bank is XXXX XXXX and have been confirming that they did not receive payment on that end. If Chase had conducted their investigation correctly and/or communicated with XXXX XXXX , they should have reversed the debit on my account but left the XXXX XXXX transfer untouched. My claim with Chase and CPFB complaint have since been closed but I am still missing {$2300.00}.
Company Response:
State: CA
Zip: 91607
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: 2023-06-26
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I just found that Chase closed my account because of lack of activity without notifying me and deleted all my ultimate reward points. I lost my account and lost points of more than XXXX which I could redeem as more than {$400.00}!
Company Response:
State: WA
Zip: 98032
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
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: 1 ) with Chase : Bought a tennis racquet on XX/XX/, {$320.00} on XXXX. Shipping number said delivered but not seeing the package. Either not truly delivered or got stolen. Been contacting back for 3 months but dont hear anything / credits. 2 ) our building has stolen packages all the time because we dont have front desk person. But it doesnt mean customers should pay $ $ $ for nothing. Need this money back!!!
Company Response:
State: NY
Zip: 11354
Submitted Via: Web
Date Sent: 2023-06-26
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: I opened an account, and everything was running fine. I deposited checks. And for some reason they put a hold- they challenged a few deposits without notification. They only sent me a letter after XXXX days, and I got it after a week. Every little thing they make notices, but for this they waited a week. And I wouldn't have deposited anything else if I had known this. Even more, when you open an online account, you see that your funds are available, but you don't see that there's a hold on the funds. You only get notice when you try to make a transaction, that something is wrong. So all checks were payable to my name, but XXXX of the checks were challenged. And they told me they were making a hold on the account, saying they wanted to verify who is the maker of the check, that he gave me the check. By the way, the same checks previously deposited from the same person didn't have any problem. First of all, the fact that they made a hold on the account without notifying me was wrong. And the fact that the checks were returned because of this, then I saw that there was a hold on my account. They didn't say anything before this. And when I called, they said they needed to verify these checks. I provided them with the phone # s of the makers of the checks, and they said that these numbers are not matching their system. So I can't give them anything more than give them what I have. Otherwise they can verify with their own information and it's on them. And they need to give me my funds back. So they ended up closing the account. And they sent me the balance that was in the account except for the amount of the XXXX checks, which I don't understand what their concern about these checks are. I got the checks from the maker, and I'm willing to give them the numbers, but I don't know what numbers are listed in their system. And I can provide them a letter attesting from the makers of the checks that they gave me the checks. By the way, I asked the makers of the checks for the contact information to give to the bank. But the bank responded that the bank has to call these people through their system- they can't call the bank themselves. So, I don't know what I can do further. I called multiple times, and argued with them, but got no resolution. Multiple times I spoke with the bank and argued with them that they should either give me back the checks I gave them or to give me the money. And I'm getting nowhere. There's no one to talk to. And the fact that they closed the account is also discrimination. And as a result, bills that I made payments on, had returned checks and other things without notice. Any information you need, please contact me. And let me know what help you need to resolve this issue.
Company Response:
State: NY
Zip: 10950
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: 2023-06-26
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Been a Chase bank customer for 15 years without any overdraft fees. XXXX currently in XXXX XXXX where chase has no bank presence. Called XXXX regarding overdraft warning on my account. Told them that I already deposited the total amount plus more money to have on account to avoid future overdraft fees. Even tho they threat me that I am going to get a {$35.00} overdraft fee. Requested to CLOSE account before the overdraft fee happens and was denied.
Company Response:
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Company Response:
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: My car was illegally repossessed XX/XX/XXXX. I have made all of my payments. I gave Chase my bank statement showing the withdrawals/payments to them and permission to speak to my bank. I confirmed with my bank that money went to Chase and was cashed. XXXX told me they contacted me by mail about my XX/XX/XXXX payment having the wrong account number and how to fix it. I never received anything. Further, my prior lease was through Chase XXXX XXXX XXXX XXXX Ive had four leases for same model car with them. Regardless of what account number was in it my payments go to the same address/company. Chase knows theyve been accepting my payments since XXXX of XXXX but not crediting my account.They have all of their money and took my car. They have done nothing to correct this error and are treating this like a legitimate repossession.
Company Response:
State: VT
Zip: 056XX
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A