Date Received: 2023-06-23
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: My XXXX credit report shows that Chase has the comment " Reaffirmation of debt '' under XXXX of my Chase mortgage accounts. This comment is indicative that I had a bankruptcy, which I did XXXX years ago. This is negative information on my credit report and should be removed since bankruptcy information should not be included on my credit report after XXXX years. This can impact my ability to apply for new credit. I would appreciate it if you would remove this comment on my credit report.
Company Response:
State: OH
Zip: 430XX
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: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I deposited my significant others California federal government state tax check into my CHASE checking account. We both went into the branch showed our ID to a banker, he proceeds & endorses the check to me & she deposited it & said it would be available on XX/XX/XXXX. Its XX/XX/XXXX & chase said they can not release the funds until they verify that my significant other authorized the transactions ( which he did at the branch ) and will have to verify him through phone number. I gave them both his phone numbers & a chase rep said they are not showing in the records that thats his number even though it is. I bought them billing statements from the phone company, his ID, social & birth certificates & still get turned down. Please help were in need of this money & are willing & able to provide verification. My account is closed & they said the check is in suspense until they verify them & the bank it was issued to said they cant reverse or recall the check because it was cashed XX/XX/XXXX.
Company Response:
State: CA
Zip: 92354
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: Deposits and withdrawals
Consumer Complaint: The company is Chase ( JPMorgan Chase Bank )... the problem is that the bank cashed my check from the us treasury department and I did not receive the funds... the deposit was made on XX/XX/XXXX then withdrawn on XX/XX/XXXX of the year XXXX. Please note on XX/XX/XXXX they withdrew the same amount from deposit after notifiying me that the check was on hold ... XXXX is the amount of error in question... they convinced me that they would investigate this matter... not so on XX/XX/XXXX there was a Debit DDA-check charge XXXX Ive since been placed through various hoops, and phone calls, waiting, waisting days and hours for a helpful response... nothing... just attitudes from my efforts of trying to recieve my funds. Its making me sick... I can not belive these XXXX are getting away with this..I need help to o btain my funds ... The bank, i feel, just robbed me themselves... I can not believe they are allowed to continue to get away with this. Can you help me.
Company Response:
State: CA
Zip: 95148
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: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2022 multiple transactions were made through the XXXX XXXX app to transfer money from my saved debit card information. My login for the western union app was hacked and while I contacted XXXX XXXX amidst the transactions and they were only able to stop one payment out of the 6. The transaction amounts were for XXXX, XXXX, XXXX, and XXXX. XXXX XXXX then proceeded to say they would file a complaint with their claims department and flag the transaction amount but could not help with anything else and I would need to contact my bank. Upon contacting CHASE bank, the situation was explained and a claim was started. Initially a refund was granted but a few weeks later we received a message stating the transactions were found to be true and authorized and the money was deducted from my checking account. Chase stated further documentation was needed from XXXX XXXX but XXXX XXXX refused to give me any information and wanted CHASE or the authorities to contact them directly in order to provide the documents. XXXX XXXX was contacted again on my behalf and I was informed to file a police complaint with my local police department. I was able to complete that request online and then proceeded to receive assistance from my local CHASE branch and the case was reopened. Again, both CHASE and XXXX XXXX failed to assist in retrieving the unauthorized money taken from my account.
Company Response:
State: CA
Zip: 95356
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 accessing account
Consumer Complaint: I received a cheque from my roommate totaling {$11000.00} to reimburse me for booking a residence in California for a few months. A day after depositing the cheque, I received an alert from Chase Bank that my checking account is being suspected of fraud, and that a restriction is placed on the account. Additionally, the account is subject to close if I do not contact them. Immediately after receiving the alert, I contacted Chase Bank to resolve the issue. They told me that to remove the restriction on the account, they must contact the maker of the cheque ( my roommate ) by providing them with his phone number. After doing so, they said that the number I provided does not match my roommate 's name in their database. They claim that the only possible way to remove the restriction is to provide them with a phone number that they can verify in their database. I tried to suggest the following solutions : - My roommate and I come in to a Chase branch together to verify his identity. Chase told me that this is not possible. - I want them to provide me with more information on steps I can take to ensure that my roommate 's phone number can be verified in their system. They refused to give any details on this. - My roommate is also a client of Chase, so they should have his information on file to verify. However, since he sent the cheque through XXXX, they said this was not possible. Additionally, even if my account is closed, I've been informed that I will still not be able to receive my funds until I remove the restriction on my account. I currently have around {$15000.00} in this account, and if this issue is not resolved, I will be losing that full amount.
Company Response:
State: CA
Zip: 94403
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: Deposits and withdrawals
Consumer Complaint: Today is XX/XX/2023 and about two weeks ago I contacted Chase bank ( I bank with them ). The branch is located at XXXX XXXX XXXX, XXXX, IL XXXX. I used to have a safe deposit box and I received a letter earlier in the year stating they will start charging me an annual fee of {$50.00}. I decided to return the keys for the box and cancel the service. I don't recall the date but it was shortly after I received the letter ( maybe XXXX or XXXX timeframe ). As I was reconciling my checking account about two weeks ago, I noticed the {$50.00} safe deposit box fee was taken out of my checking account on XX/XX/2023. I called Chase and spoke to the branch manager ( XXXX ). I explained to him that I returned the keys to the safe deposit box and closed it. I didn't receive any paperwork for this unfortunately and it didn't occur to me to ask. XXXX told me he needed to research and that he'll get back to me. I never heard back after about two weeks so I went to the branch to talk to him. I told him to review the cameras and he will see that I personally handed him the keys to which he told me that it wasn't him that I gave the keys to. He also told me that they don't have cameras ( sure ok ). Anyway, I gave back the keys to the box and closed this out several months ago. I want the {$50.00} credited back to my checking account. I'm sure this is happening to other customers!
Company Response:
State: IL
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: Closing an account
Subissue: Company closed your account
Consumer Complaint: 1. XXXX XXXX delivered by USPS informed mail delivery, Chase letter with checking acct. ending XXXX, with Business debit card ending XXXX, Good thru XX/XX/XXXX, with my name printed on " card twice '', which no other banks do this. I NEVER OPENED ANY ACCOUNT WITH CHASE NOR DO I HAVE A BUSINESS. 2. XXXX, & saw article by XXXX XXXX XXXX XXXX XXXX XXXX, " Police Warn Residents about Chase Bank Scam ''. 3. XX/XX/XXXX XXXX, went to XXXX XXXX XXXX Police Dept . and spoke with Senior Police XXXX XXXX. Justice about what happened, filed report. XXXX called Chase Debit card Letter Customer service number XXXX XXXX, spoke to Ris explained NEVER OPENED ANY ACCT. She said the acct. would be closed & I would be sent a packet to fill out & return with police report. 4. XX/XX/XXXX went to local Chase Bank XXXX XXXX XXXX XXXX VA to make sure this " fraudulent account '' was closed and to see someone in person. Spoke with XXXX XXXX he checked acct online and stated it was closed. We showed him per USPS informed deliver there was another Chase letter from a different address coming to our mailbox. Chase letter dated XX/XX/XXXX stated " Important to protect against potential fraud '' we restricted your account ending in XXXX and may close it soon ''. I NEVER APPLIED FOR SUCH ACCT. XXXX called XXXX to report " fraud '' concerning Chase Bank XXXX to XXXX XXXX XXXX , placed a 1 yr fraud alert with all 3 credit bureaus. I checked my credit report and it showed JPMCB-XXXX & JPMCB-XXXX inquiry dates XX/XX/XXXX . 5. XX/XX/XXXX Another Chase letter, " Action needed : " Please call us about your online account access, We locked your online acct access to protect you '', to call XXXX XXXX ( I DID NOT CALL THIS NUMBER ). 6. XX/XX/XXXX Packet came dated XX/XX/XXXX from Chase XXXX XXXX XXXX XXXX XXXX " to provide information about your claim ''. To fax or mail info within 10 days. Fax XXXX XXXX XXXX. I went to Chase Bank XXXX XXXX XXXX XXXX XXXX and had Bank Manager XXXX XXXX XXXX fax my information from that location. 8. Today XX/XX/XXXX we received 2nd Packet letter from Chase " to provide information about your claim ''. I decided to file a complaint to CFPB
Company Response:
State: VA
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Chase is forcing me to accept 2 electronic agreements before I can even view or access my credit card or mortgage account information. One agreement is 10 pages and one is 124 pages. Buried within the language is the unilateral right to change all communications, including monthly statements, to electronic rather than hardcopy form. I urgently need to access my account to review recent transactions and make an online payment and I am being held hostage by 124 pages of legalese that I refuse to blindly accept. Who knows what else is buried in there. This is disgraceful corporate bullying and needs to be stopped immediately. I feel for anybody who also uses Chase for banking services right now and is unable to access their money because of this strong-arm tactic.
Company Response:
State: NY
Zip: 130XX
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 information incorrect
Consumer Complaint: In XXXX of XXXX I made a final payment on my account for the full amount I was shown I owed. A few days later when I checked my account it was showing a small payment of {$60.00} so I made that payment. about 2 weeks later I got a call from my mortgage company and they said I had over paid and they revered the payment of {$60.00} and said my account was paid off. In XXXX I got a notification that there was an account placed at 30 days past due, and when I checked it was my mortgage company. I called my mortgage company and got told I owed {$1800.00}, {$2900.00}, and {$2300.00} by the same person I spoke with. Every time I called in I was told my account was showing paid in full, but I owed corporate advances. After disputing them, my mortgage company closed my account and listed it paid in full in XXXX of XXXX. A few weeks later I received a notification again on my credit report of an account being charged off. Upon checking my report I noticed it was my mortgage company and they said I was charged off for a total of {$3.00}. I have contacted them and was told everything is correct and that they would not removed the negative remarks. I am requesting that my credit report be fixed back to XXXX of XXXX and my account to reflect that it was paid off in full.
Company Response:
State: OK
Zip: 737XX
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: I was told on XX/XX/23 my lawyer would be contacted in reaction to the attached check for {$50000.00} however he was not contacted and asked me to re-open the complain with the CFPB. I was told on XX/XX/23 by XXXX XXXX that Chase has the money in their Suspense account and would be returning the money to me after their legal team reviewed the necessary documents from XXXX XXXX. Unfortunately Chase has stopped responding to me and I need to have the matter reopened per my lawyer.
Company Response:
State: DE
Zip: 19713
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A