Date Received: 2023-06-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I CHECKED MY REPORT AND THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.
Company Response:
State: NY
Zip: 11427
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: XX/XX/2023 - I submitted a mobile check deposit to my Chase personal checking account. The check was made out to someone else, however this person endorsed the check over to me ( back of the check has both our signatures ) chase put a hold on cashing the check. XXXX XXXX - I contacted the bank to confirm I did make the mobile check deposit. The representative informed me they needed to verify the persons identity that the check was originally made out to. I explained the person is bed written and isnt able to psychically go into a local branch and that is why we did the endorsement. At this point they told me they could verify with their phone verification system. The first number I provided to them did not pass which left me very puzzled because this phone number that I provided to them had been theirs for many years. XX/XX/2023 - I called Chase to attempt the phone verification once more but this time we used the payees wifes phone number which had also been their primary contact number for many years ( actually on the same plan as her husbands phone number ). They called the number and was actually able to speak with the payee himself and did all the verification process and it was complete. The representative confirmed with me the verification was a success and the funds would be available within 2 hours.. XX/XX/2023 - I called Chase to try to make sense of what the problem could possibly be and they informed me the verification was not complete and I would need to bring the actual check and my drivers license into the local branch. XX/XX/2023 - I visited the nearest branch and as instructed I brought all the required documents and at the branch they told me the payee would have to come in person to the branch as well this was never explained to me and I told them again about the health condition of the payee but non of that seemed to matter for some reason. They finally told me that if I was able to get a good phone number that is linked to the payee to verify his identity ( once again ) they could do it that way. XX/XX/XXXX, - I made one more attempt to verify the phone number with Chase and it was unsuccessful of course. Chase eventually closed my account even though they did in fact cash the check and the funds were in my account they decided to first freeze it so I wouldnt have access to the money then after a week or so they closed my account altogether. The business the check was wrote from has now closed. It was only open temporarily due to COVID. All this seems to make the endorsement procedure quite useless to me and how did we pass the second phone verification but then the next day we didnt???? I am very assertive the representative explained to me in detail about the verification was completed and approved. I even repeated it all back to him to make sure I was understanding correctly. Why say allow endorsements if youre not going to approve them? Why tell your customers you have successfully approved identification verified if you really dont?? Doesnt seem like Chase bank stands on their word too much to me. This has put a TREMENDOUS strain on my family. The funds were and still are very much needed and rightfully ours and not Chases. We have medical bills that need our attention and this has done nothing but caused more grief for our family to deal with as if we didnt have enough with his XXXX XXXX. Chase should be ashamed of themselves and how they operate their business and then for them to guide their colleagues to do the same! I once thought Chase was a very reputable company that conducted a very successful business but I see now that is far than what they are doing.
Company Response:
State: LA
Zip: 70517
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Dear Sir or Madam, I have a complaint against Chase Bank for erroneously closing my account and not refunding me the full balance of {$4700.00} on my account as of XX/XX/2023. The details are as follows : XX/XX/2023 : I deposited two checks for {$2000.00}, one of which was for rent that I had been depositing for a few months already. Chase informed me the funds would not be available for a few days. About week later : I returned to Chase Bank and found that my account had been closed. Chase told me the reason was that the check writer did not pick up the phone and thus they closed my account because the check did not pass verification. Chase asked me many questions to verify the identity of the check and I got in contact with my tenant who wrote the check. My tenant texted me his bank statement showing the money going out. This all took place at Chase Bank. Chase Bank told me in this case they will send me a check for my account balance. Another week later : I received a check for only {$780.00} out of {$4700.00}. I went back to Chase Bank and cashed the {$780.00}. I asked why I did not receive the remaining {$4000.00}. They said it was mailed out at the same time and should be arriving soon. Over the course of the next month and a half I had gone back to Chase Bank to inquire about my missing {$4000.00} check. Each time I was bounced around to different bank employees, bank departments and call centers ; each time they asked what the check was for and who wrote it and for their contact and still could not resolve the situation. On my last visit of this sequence, Chase Bank told me that I did not deposit {$4000.00} on XX/XX/2023, but it is very clearly on my bank statement and my tenant 's bank statement with the rent payment going out. Over this past month or two, Chase could still not resolve my missing money case. Now on this visit, they want to just deny the deposit ever happened. I was brushed off and all I got was a number to call the same departments that could not help me for the past 5 visits. XX/XX/2023 : Chase Bank contacted me and suggested we schedule a meeting at XXXX with the bank manager to resolve the issue. But when the time came they called me to say the manager was too busy, then 30 minutes later I got another call and Chase said to not come in anymore. They even tried to excuse themselves by pinning it on the check writer, saying their bank account and transactions were messy. However that has nothing to with my own account. Again, the check payment had already cleared his account and was deposited into my account, as per our bank statements. Also we are both using Chase Bank for these transactions. Every I visited, Chase bank kept asking me the same thing and giving me excuses why they could not send my remaining balance of {$4000.00} as of XX/XX/2023 that just vanished when Chase bank closed my account. Sir, Madam, Please help resolve this case and help me recover the money I am rightfully owed from Chase Bank. Thank you.
Company Response:
State: CA
Zip: 951XX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I am writing to file a formal complaint against Chase Bank regarding unauthorized charges on my account and the subsequent denial of my claim. Despite following the necessary procedures and providing all the required information, Chase Bank has failed to adequately address my concerns and reimburse me for a substantial amount of unauthorized charges. On [ date ], I discovered several charges on my account that I did not authorize. Immediately upon noticing these unauthorized transactions, I reported the issue to Chase Bank through multiple channels. I visited a Chase branch in person and filed a report with an employee, and I also attempted to contact the bank 's XXXX number on several occasions, but was unable to reach a representative. Furthermore, I promptly reported the incident to the local authorities and obtained a police report, which I promptly provided to Chase Bank as evidence of the theft. Despite my diligent efforts to report the unauthorized charges and cooperate fully with the bank, Chase has only provided a partial credit for the charges, denying reimbursement for approximately [ $ amount ] of unauthorized charges. I would like to highlight that I have never conducted any business with the merchants associated with these unauthorized charges, and I have made multiple attempts to contact them to dispute the charges. Unfortunately, my efforts to reach them have been in vain. Chase Bank 's denial of my claim for a significant portion of the unauthorized charges is unjust and unacceptable. I believe I have fulfilled all the obligations and requirements outlined by Regulation E, and I should be entitled to a full refund for the unauthorized charges. I have attached a list of the charges that were debited from my account. I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and ensure that Chase Bank fulfills its obligations under consumer protection regulations. I appreciate the Consumer Financial Protection Bureau 's commitment to safeguarding consumer rights and holding financial institutions accountable. I trust that you will conduct a fair and impartial investigation into this matter and take appropriate action to rectify the situation. Thank you for your attention to this complaint, and I look forward to a swift resolution. XX/XX/XXXX Reversal : 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 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 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 XXXXXXXX XXXX XXXX
Company Response:
State: CO
Zip: 80907
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I hope that you are able to receive what I had initially describe hope. It was not in vain? It was whole lots I'm hoping that it was forwarded to you. Please let me know thank you chases the main account XXXX. What's needed there and I as the copy of the only thing that I have left? Hope Chase because I lost a lot of stuff in a home fire so I'm really. Working with very little documents thank you
Company Response:
State: MI
Zip: 48221
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I am writing to express my deep dissatisfaction with the recent closure of my credit card account with Chase Bank. I received a letter explaining the reasons for this action, which stated that my account was closed due to a rapid increase in revolving balances, too many requests for credit or credit reviews, and too many accounts opened recently. However, I believe there has been a grave misunderstanding, and I would like to provide you with some crucial information to rectify this matter promptly. Firstly, I would like to highlight that I previously held the same credit card from Chase Bank approximately four years ago. When my visa expired and I completed my college education, I responsibly closed all my bank accounts and credit cards before leaving the United States. I made sure to settle all outstanding balances and diligently paid every dollar owed to Chase Bank. It is important to note that there were no outstanding debts or delinquent payments when I left the country. Regrettably, upon my return to the United States and choosing to bank with Chase again, I encountered numerous difficulties in utilizing your services. I experienced considerable challenges in accessing various products, including my checking account and credit card. Chase Bank insisted on verifying every transaction and activity, even those that had been previously verified. This redundant verification process consumed a significant amount of my time, often requiring me to spend over an hour on the phone with Chase Bank representatives on a daily basis. It is worth emphasizing that these transactions were of minimal value and posed no risk or cause for concern. Since I have closed all my credit cards, I need to get few credit cards to buy furnitures and shop around for everything, also I am shopping around for the new vehicle and I am looking for an auto loan, thats why there are some credit reviews on my credit report. I find it grossly unfair that my credit card account was closed despite my utmost efforts to cooperate with Chase Bank 's verification procedures. I diligently completed each verification promptly, and I sincerely believe that all necessary steps were taken to establish my credibility as an account holder. The closure of my credit card account without any prior notice has placed me in an extremely inconvenient position, affecting my financial stability and causing unnecessary distress. Therefore, I kindly request that you reopen my credit card account immediately. I have been a loyal customer of Chase Bank for several years, and I have always maintained a responsible and exemplary financial record. I trust that Chase Bank will rectify this situation promptly and reinstate my credit card account, allowing me to continue benefiting from the services you provide. I anticipate a swift resolution to this matter and request that you inform me of the actions taken to address my concerns. I expect a written response within 10 business days from the date of this letter. Thank you for your attention to this matter.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: The company, or its staff, seem to be threatening to take the business ' refund, in alignment with issues with the local bank staff 's pettiness and irregular professional ethics ( a XXXX here in XXXX ). It is happening virtually. The branch in question is probably irrelevant, as there are several branches here in the same block. ( XXXX and XXXX streets in XXXX XXXX, MA ). Not XXXX or XXXX. Their staff are all qualified, it appears, to hold the same role in other branches.
Company Response:
State: MA
Zip: 02130
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX XXXX debited my account twice therefore I disputed with my bank. The next day XXXX refunded one of the payments. Chase also gave me a credit and reversed one of the payments and stated that the credit would be rescinded On XX/XX/XXXX a chase rep told me an error was made and my money was not going to be returned therefore they said they would do an investigation and refund my money on the XXXX. I called on the XXXX and was told the credit would be applied on the XXXX and to call back claims on that day. When I called back they behaved as if I was lying and tried to not give me my money back. I was hung up on and then ultimately told by a lady from the executive office I can't have my money back unless I let XXXX help me. I explained to her due to FCC regulations she can't hold my money XXXX unless I adhere to her terms. She stated she can because she works closely with the FCC. I explained to her I no longer want to speak to her due to her tone and her demeanor. I spoke to another supervisor who told me nothing will be done and no credit will be issued unless I spoke to these rude women in the executive office. So unless I allow these women to verbally chastise me Chase will not return my money. Please help,
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
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: Our Chase Amazon XXXX credit card was charged multiple times at XXXX XXXX for what was determined to be gift cards in the amounts of {$100.00} and {$150.00}. Credit card company doesnt believe us that we didnt make these purchases. Sheriff dept in the county where we live even did an investigation where it was proven through video surveillance cameras that we didnt make these charges. They were fraudulent charges. The sheriff even sent his investigative report to the credit card company. He has also spoken with the fraud department within Chase card services to explain that these were fraudulent charges on our account. They still dont believe us that the charges are fraudulent. Weve contacted our attorney now, and shes sent us to this website to try to get some help. The dates and charges are as follows XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$150.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$150.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00}
Company Response:
State: NE
Zip: 689XX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, I had submitted a disputed claim via Chase online portal to the claims department regarding an agreement with a mobile app developer to complete the tasks as agreed by payment/terms/conditions. Vendor kept delaying the process with excuses, which is documented via emails. On XX/XX/XXXX, Chase claims department continued to present so many challenges to process my disputed claim resulting in me escalating the issue that oversees the claims department. On XX/XX/XXXX, I received a voice recording from one of Chase executive team members apologizing for the claim department behavior in handling my dispute and stated it is not the reflection of Chase business practice. Reversed the debit to the credit and stated the claims department will be informed accordingly. Within the next two weeks, the claims department reversed the credit to the debit on my checking account and sent me a letter stating the my disputed claim was denied because I agreed to send the vendor the payment. Given the fact, claims department reasoning for overriding one of the Chase Executive team members is mind bottling. I honestly can not produce logic for their reason. My disputed claim has nothing to do with me agreeing to send funds to the vendor. That is a given. It clearly relates to paying a vendor and not receiving the services, as stated on Chase website, by definition known as a " Charge Error ''. On XX/XX/XXXX, two different Executive team members refused to provide me documentation stating legal reasons, according to Chase " Charge Error '' definition of the reason my disputed claim was denied. I have been a customer with Chase for more than 10 years. I have not ever engaged in poor business practice with Chase. I had exhausted my attempts to gain rationale from those two different Executive members, who keeps telling me, the reason my disputed claim was denied because I authorized payments. Again, it is obvious. I never denied it. This matter relates to " Charge Error ''. Vendor received my money and never provided services according to agreement. Bear in mind, I provided those two different Chase Executive team members the agreement between the vendor and myself; exchanged of emails with the vendor regarding not providing me services; copy of letter complaint against the vendor via XXXX, whom informed me they believed I am a victim of a scam and report it to my bank and all applicable authorizes and was disregarded by those two Chase Executive team members ; and provided them proof of a letter from an attorney, sent to the vendor in XX/XX/XXXX, and the vendor never responded. Yet, to this day, those Chase Executive team members, have decided to disregard all the above attempts and still denied my " Charge Error '' claim stating I agreed to send payments to the vendor. Most likely, if I am enduring these poor business practices, Chase other customers are enduring the same and the real executive team of Chase such as Directors, CEO, CFOs etc, are not aware of how these Chase Executive team members are misappropriating Chase accounts.
Company Response:
State: IL
Zip: 60302
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A