Date Received: 2023-06-20
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: My tax return was accepted by the IRS in XXXX, and they direct deposited a {$760.00} return sometime in XXXX, but Chase Bank will not credit the amount to my checkinh account. I have tried to file a dispute as an error but they refuse to open the dispute.
Company Response:
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: - On XX/XX/2023, Chase bank put my account under a legal hold and overdrew my account by {$99.00} XXXX. Calls to their customer support redirected me to their Court Orders and Levies team - From XX/XX/XXXX till XX/XX/XXXX I made several calls to the Court Orders and Levies team but was either given rude replies " Nature of this hold does not allow us to share information '' or was told that they do not have information and can not share 'Proprietary Chase Bank procedures ' with me. - On XX/XX/XXXX I visited Chase branch at XXXX XXXX TX XXXX and requested for help from the customer support executive. He called the same Court Orders and Levies team and was given the same answer - On XX/XX/XXXX I emailed another Chase bank Account Rep who had opened my account at Chase in XX/XX/XXXX with a request to help Urgently. He was directed to the same Court Orders and Levies team with same answer " We do not have any information for you on this hold ''. - I have consistently asked Chase to provide details on why this hold is valid since it has stopped my business completely and I can not use my account to make payments to my suppliers. All my current funds destined to suppliers have been held back resulting in collection letters/ emails from them.
Company Response:
State: TX
Zip: 77407
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: My wife 's employer is using XXXX instead of ACH. We didn't know that direct deposit needed to be through ACH until we were charged the fee. I tried to talk to Chase about it and they hung up on me. I called back and tried to close the account and they hung up on me. I could have avoided the fee by keeping a minimum balance in the account but it dipped below the minimum on one day.
Company Response:
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Rcvd an unknown call from someone claiming to be from XXXX, XXXXXXXX XXXX XXXX They provided a phone # of XXXX and provided XXXX # XXXX from an alleged debt from XXXX. They advised they are trying to serve me with a Civil Judgement. I advised I have no debt with said creditor " Chase '' and did not sustain that debt. Person on the phone said she did not have any further information and wished me good luck. They were pretty rude.
Company Response:
State: FL
Zip: 33013
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have a Chase card and accumulated reward points. I spent these points in XXXX ( I can't get a better date because Chase changed its website to where you can not see purchase history ). I purchased 2 XXXX gift cards in the amount of XXXX, XXXX in total, and an XXXX gift card in the amount of XXXX, redeeming XXXX points. When my reward card from another credit card arrived, after I placed the above order, I called Chase customer service in mid to late XXXX. The man filed a complaint for me. I called back several days later and a woman said to give them 7 days. I called after 10 or so and asked to speak to a supervisor. the supervisor elevated the case, whatever that meant and could not give me an ETA of my cards. I feel like this is a scam and should be investigated.
Company Response:
State: NJ
Zip: 08520
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On Friday XX/XX/XXXX Chase cancelled a wired transfer because the recipient information had been changed and they were suspicious it was fraud. I checked the recipients info and confirmed it had been changed and therefore suspected that someone had accessed my online banking. I changed my username and password to access my online banking and assumed that would be the end of the issue. On Tuesday XX/XX/XXXX I did not receive a deposit from Chase XXXX XXXX for our credit card transactions from the weekend. I called Chase XXXX XXXX and they confirmed that the deposit had been made to a bank account. I asked them what bank account the funds were deposited into, and they confirmed it was not my bank account. They did not investigate but said this probably happened online and that someone was able to change the checking account associated with the XXXX XXXX account. I am the only person with access to these accounts and was not asked for permission to change the checking account or even notified this had happened. When I changed the log in and password to my online banking again on Tuesday I saw that Chase had allowed the hackers to add their phone number to my account thereby making it impossible for me to secure the account. Again without getting my permission or informing me this had happened. Even though Chase has the phone number and bank account info of the criminals, they refuse to investigate or refund the {$3200.00} they took from me and gave to the hackers ( settlements on XX/XX/XXXX for {$2100.00} and XX/XX/XXXX for {$1000.00} ). Per the Federal Reserve Regulation E : Electronic Fund Transfers 12 CFR 205 Section 205.6 the limits of a consumers liability for unauthorized electronic fund transfers is {$50.00}.
Company Response:
State: PA
Zip: 18901
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/23 we filed 3 affidavits of fraudulent use of our checking and savings accounts at the XXXX XXXX in XXXX NJ. 3 checks were split deposit with cash back totaling approximately {$6400.00} at XXXX branches in XXXX NJ. The checks used by a perpetrator were not even micro encoded with Bank account or routing number. In addition, checks were not endorsed with signature. In addition, we seldom go into a branch, which would only be in XXXX NJ, we use online banking, electronic banking and ATMs. NOW XXXX IS TELLLING US OUR CREDIT CAN TAKE UP TO 30 DAYS!!!!!! These transactions were not performed by us, they were negligence on the part of the the XXXX staff - banking 101!. There is no reason for them not to credit our account.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
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: On XX/XX/2022 I ordered a part from carid.com I placed the order for a car part for {$16.00} The order showed free shipping so the total charges on my screen came to {$16.00} when I receive the item the company charged me {$160.00} for shipping the item. I contacted the company and I contacted the credit card company ( Chase ) to dispute the shipping charges ( which was an extremely unfair amount ). The item weighs XXXX pound so even if they wanted to charge me something for shipping, {$160.00} is extremely high. Chase credited me for the {$160.00} and then on my XXXX statement they reversed the charge. And threw {$160.00} back onto my statement
Company Response:
State: NY
Zip: 10002
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, a deposit was made in the amount of {$2500.00} via a XXXX XXXX XXXX bank check. The check was deposited via electronically and was flagged as " fictitious ''. After calling the credit union, our bank CONFIRMED legitimacy twice. Then the funds were posted and after a few days registered. Then a few days later, the money was removed and the account closed. After visiting our branch manager twice afterwards, she assured us that the funds were good and that they would request to " reopen '' the account.. Days/Weeks later, the issue has not been resolved. Each time we call the bank office or go into the branch bank, we get different information and none of them agree with the other. After today 's run-a-round at the bank, we call the Bank Corporate and got another response from a XXXX who confirm 100 % that his response was accurate, we called directly back and spoke with another person. They gave us a completely different response. Then we ask to speak with a supervisor and again, we get a different response. The bank is holding my money ( {$2600.00} ) with no solid date of resolution.
Company Response:
State: TX
Zip: 766XX
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/ I received an email from Chase bank notifying me that they received an application for a Chase Freedom Unlimited Card in my name. I did not apply for this card. Since it was already evening I decided I would call in the morning to report the error. Unfortunately, Chase approved the application during the night. I called around XXXXXXXX on XX/XX/ to report the fraud. Chase 's fraud department informed me that since the card was already approved I needed to call customer service. I then called customer service and closed the account before any charges could be made. Subsequently, Chase provided me with a letter confirming the account has been closed but they refused to include any information on the letter about the fact that the account was opened without my permission. Next I contacted XXXX and placed a freeze on my credit report. I also filed a dispute to have the account and inquiry removed from my credit report. XXXX completed their investigation but refused to remove the account without a letter from the CFPB. That is why I am filing this dispute.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A