Date Received: 2023-06-23
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I had a checking account with Chase bank and it had XXXX cash in it because my husband and I are both not working. I asked Chase to STOP sending payments through the account that I had but they kept doing it and then charged me overdraft fees. The total in these fees ending up being in the XXXX of dollars. Everytime I would turn around, there was a charge taken out of my account and then an OD fee! My other bank states insufficient funds and will not let me take anything or pay anything but Chase? No! They keep doing it and doing it all to get the OD fees! I finally asked them to close my account and they didn't do it but kept charging me OD fees. Finally on XX/XX/2023, the closed the account but then the deposited a check into that account. How can you deposit a check into an account that is closed? not only did they deposit the check, but they kept the entire amout which was {$540.00} refund on insurance that we received because of something Biden set up? Not really for sure on that one. At any rate, the check was made out to my ex husband and he did not have a signature on file and the account was closed, so how can they cash this and keep it? It wasn't mine and it wasn't thiers either. They are refusing to do anything and keep telling me that this issue is closed. It isn't closed! I want that money back that was a GOVERNMENT refund!
Company Response:
State: OH
Zip: 45431
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: There are three transactions that person asked me to pay them by XXXX for documents to apply business grants. And after I paid that, I never heard back from the status of the process. I did report the claims, report to XXXX and chase, I call in chase this morning and they said they wont responsible about any transactions that thru XXXX. The transactions are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, XXXXXXXX XXXX, my debit card was stolen from my purse by a pickpocket or pair of individuals working to distract me. As I finished paying for groceries at the self-checkout at XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX a woman tapped me on the shoulder and indicated that I'd dropped a {$10.00} bill. ( I hadn't. ) She didn't speak English, but kept touching my purse and me. I told her that the bill wasn't mine, but she insisted so I finally thanked her and accepted the bill. I walked out to my car. As I opened the trunk I felt a tap on my shoulder. It was the same lady. This time she indicated, by touching my purse and pointing, that she felt that the {$10.00} bill had actually been hers. I agreed and gave it back to her. She thanked me and left. The next morning, XX/XX/XXXX, I discovered that my debit card was gone from my purse and that withdrawals of {$1000.00}, {$1000.00}, and {$2000.00} had been withdrawn from my bank account using the Chase ATM, as well as a charge for {$700.00} at a nearby XXXX XXXX. I immediately called Chase 's fraud department to report the stolen debit card and to report the {$4700.00} theft. They responded by issuing me a credit of {$4700.00}. The same day, I reported the theft to XXXX Police Dept. On XX/XX/XXXX, I recieved an email from Chase bank notifying me that, after conducting their own investigation, they felt that I had authorized the {$4000.00} withdrawals and that they were going to take back the {$4000.00} on XX/XX/XXXX, which they did. They say whoever withdrew the money from the ATM had 2 forms of my identity, and that the burden of proof is on me to show that it was not I who withdrew the money ( Chase bank must have security camera footage that shows who withdrew the money. XXXX XXXX XXXX most likely has the woman on camera as well since she had obviously been standing right behind me in order to see me key in my debit card PIN. )
Company Response:
State: CA
Zip: 91504
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I applied for a credit card with Chase XXXX in XXXX XXXX ( account ending in XXXX ) because of a promotion offering two digital flight certificates ( round trip ) and miles. I used one certificate. I contacted Chase on XX/XX/XXXX because I asked about whether I was eligible for a new promotion ( which comes available every two years ). The agent told me I was eligible for the new promotion ( one digital flight certificate and miles ) ; I ensured that my current account and rewards would not be affected and was told it would not be. So I canceled the card and applied for a new card with the digital reward and miles. Yesterday, when I looked, I saw that the second flight certificate was gone from my account. I called XXXX and was told that Chase was responsible for removing it from my account. I called Chase and was told that XXXX was responsible for removing the flight certificate from my account. I called XXXX and was on hold for almost three hours ; when I had the agent on the line, he told me that this happens all the time with Chase and while he put me on hold so he could speak to a supervisor, I called Chase yesterday so I could have the two agencies on the line, so I wouldn't have to waste time with the back and forth issues of blaming the other agencies. I spent a total of over four hours yesterday between the two agencies. Last night 's final call was disconnected after that long wait. I called Chase again this morning, and after escalating to XXXX, Account XXXX in Texas just moments ago, she told me that when I closed my account ending in XXXX, the reward certificate was removed. So it was ultimately Chase that removed it, even though I had been told by the Chase agent that XXXX had done so. I asked for the digital reward certificate to be reinstated. It is valued at around {$1000.00}, give or take a few XXXX dollars, because round trips from XXXX XXXX to XXXX range in value and I use those certificates to visit my XXXX XXXX XXXX mother and need them in case of emergencies which are becoming more frequent these days. Feel free to research prices on roundtrips ; that is what I saw today. They ranged up to {$1200.00} economy today. The Chase XXXX Account XXXX told me that the fine print stated that if the account was closed, the reward would be removed. It is not what I was told by the agent. If I had been informed by the agent when I enquired about the new promotion that my account with miles and rewards would be forfeited, I would not have closed the account for the new promotion. XXXX, account XXXX, would not allow me to hear the recording of the phone call between me and the Chase agent on XX/XX/XXXX but said it would be addressed internally. That resolution is not consumer friendly or consumer responsive. I am requesting the CFPB 's assistance in having that reward certificate reinstated to my aeroplan account, XXXX. Could you please assist me with this, since, from my part, I believe Chase has an obligation to reinstate that reward certificate, or to provide me with an alternative cash amount equal to a roundtrip certificate to XXXX from XXXX XXXX. I will make a copy of this complaint to the CEO of Chase as well, but informed XXXX that I would file a complaint with the CFPB. Thank you for your assistance in the matter. XXXX XXXX
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: NOTE Credit reporting of Third party collections, charge offs And public record reporting It's in violation of the fair debt collection practice act. XXXX XXXX XXXX XXXX ( Incorrect account please validate ) And delete XXXXXXXX XXXX late payment XXXX XXXX XXXX XXXX ( Incorrectly reported please delete ) XXXX XXXXXXXX late payment XX/XX/XXXX incorrectly reported. ( Account no longer open please delete ) Account has been removed from XXXXXXXX XXXX remove from all other credit reporting XXXX late payment XX/XX/XXXX accountclosed late payment inaccurate has been removed from ( XXXX XXXX ) Please remove from all other credit reporting XXXX XXXX account was fraudulently charged/ ( The accounts has also been charged off ) please delete XXXX Late payment incorrect reporting account is paid as agreed please update and And correct XXXX XXXX ( account was charged fraudulently identity theft ) please delete. XXXX XXXX XXXX XXXX ( Account was fraudulently charged due to identity theft please remove and delete ) XXXX XXXX ( account was fraudulently charged due to Identity theft. Account also is a third party and not validated ) please remove and delete
Company Response:
State: OH
Zip: 44106
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was expecting a refund from a retailer to my newly open, but closed checking account. The bank forced me to close the account, but never said why. After weeks of not receiving the refund, I went the branch I opened my newest checking account. The banker filed a claim through the bank, and I was instructed that a credit would be issued for the entire amount of the refund. Instead, the bank used a portion of the claim/refund to pay off another unrelated chargedoff account. But I disputed the charges because I was in prison and did not make the charges. The bank never responded to my written dispute.
Company Response:
State: CA
Zip: 958XX
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Company Response:
State: VA
Zip: 23324
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
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: I booked a flight from Florida to XXXX XXXX onXX/XX/XXXX I booked the flight as XXXX class because seats and luggage were included and paid extra. Chase booked me as XXXX XXXX so I had to purchase seats and luggage on my credit card. They sent me a letter saying it was their mistake onXX/XX/XXXX. I filed a dispute with Chase Travel right away. It has been almost 2 months and literally 15 hours on the phone including 5 hours in the office of my local branch manager and have still not resolved anything.
Company Response:
State: FL
Zip: 33913
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: For over a year, JP Morgan Chase Bank, NA has been holding 90 % + of my customer deposits claiming concerns that the check might be returned or not paid by the issuing bank. I am typically depositing checks from large financial institutions ( XXXX, Chase, XXXX XXXX, etc. ). I have never had an issue with any check ever being rejected or returned by the issuing bank. Most recently, on XX/XX/2023, I deposited a cashier 's check that was issued by XXXX, and Chase told me that they can not release the funds until the 7-day waiting period has passed. The purpose of a cashier 's check is to provide confidence to me ( and my bank ) that the funds are good. They are unwilling to consider and uncooperative about releasing these funds.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: All debit is to be discharged banking act 1933 and improper reporting and sharing of my credit report I am the beneficiary of my trust all debit should be paid off there should be no negative on my account and sharing my info with out my permission is a fraudulent
Company Response:
State: OR
Zip: 97402
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A