Date Received: 2023-12-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I went to chase bank XXXX Ohio and deposited XXXX $ on my way to buy a car. After it took the money it didnt deposit printed a receipt and now I cant buy the car I want before the year is over which means I probably wont get it at all cause I have to wait on my money to be added to my account
Company Response:
State: OH
Zip: 45414
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: In XXXX my husband went to XXXX. While there we took a taxi on XX/XX/XXXX from the XXXX XXXX to the XXXX XXXX which should have cost somewhere around XXXX XXXX {$10.00}. The driver told us his company would only take a credit card so we agreed. He did not give us a receipt. When we got home, we discovered that we had been charged {$560.00}. We dont know if it was a decimal point error or was done deliberately. We initially reported it as fraud but we were told that since we received benefit, it wasnt fraud. We then reported it as an incorrect amount but without a receipt we were again turned down. Although the representatives agreed that it was an unreasonable amount, they couldnt help.
Company Response:
State: CA
Zip: 94127
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/, I started receiving emails from what I thought was my real estate agent setting up a time to meet with XXXX XXXX XXXX XXXX XXXX XXXX to sign the closing documents on a house I was trying to purchase. I then received email, from who I thought was XXXX XXXX XXXX but was actually from a fraudulent person, with instructions on where to send the XXXX. On XX/XX/, I wired {$120000.00} around XXXX XXXX XXXX XXXX XXXX ) to the JP Morgan Chase account provided in the wire transfer document. After meeting with XXXX to sign the closing paperwork XXXX XXXX employee stated that the wire information was not XXXX wire information. I rushed to XXXX XXXX to report the fraudulent wire transfer and to find out what can be done to get the {$120000.00} back. XXXX XXXX initiated the wire transfer recall. In addition, to the initial recall request sent by XXXX XXXX, XXXX XXXX has reached out to JP Morgan Chase on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As of today, XXXX XXXX XXXX JP Morgan Chase has not responded to any of XXXX XXXX requests. Through XXXX XXXX XXXX XXXX Department, JP Morgan Chase has requested a Hold to Harmless/Indemnity form to JP Morgan Chase , however, XXXX XXXX is stating they can not send the " Hold to Harmless/Indemnity '' form because JP Morgan Chase has not communicated with XXXX XXXX.
Company Response:
State: OR
Zip: 97322
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Chase forced to closed my account without any further information, I had tried to called them couple times and went to branch got no heard back what is the reason they closed my account and not sending my fund back. I need to the fund for my bills, day care and rent. I did not get any heard back from them at all, they just said keep calling them everyday to check the status of my information, but no information about my return funds been giving.
Company Response:
State: AZ
Zip: 85295
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was in the final week of closing on a property in Texas. The house was supposed to close on XX/XX/XXXX in Texas. On Monday, XX/XX/XXXX, I was emailed ( along with my lender ) at XXXX and asked for contact info for the buyer. The display name of the email was the same person who I have been working with at XXXX XXXX based in XXXX. The actual email was " XXXX '' which is different from the real email of XXXX XXXX contact. The loan officer for my lender responded with my name, email and phone number. About XXXX minutes later, I received an email asking me to wire the funds to close on the property, without anyone else on copy. This email came from the loan officer as the display name, but it was actually the same XXXX noted above. I responded to their email multiple times and they provided the wire instructions. I wired {$100000.00} to XXXX XXXX XXXX, however, did not list the beneficiary as the scammer requested. Instead I put XXXX XXXX on the recipient 's as the receiver account name. I used the account number provided on the scammer 's wiring instructions XXXX. When at closing to sign documents, I told the closer that I wired the closing funds. The closer called the title company, and title said they didn't receive it. Then I contacted my loan officer, and he said he didn't provide the wiring info. That's when I looked back at the emails and realized it was a fraud. I contacted Chase Bank that day ( XX/XX/XXXX ) to recall and reverse the wire. I also submitted an XXXX case to the XXXX the same night and have been in contact with an agent. He said the resolution needs to come from the banks, but that the scammer 's account was frozen, and the money is held by XXXX XXXX XXXX. A few of the XXXX address in the different scam email headers are XXXX XXXX XXXX Since this happened, I have visited Chase Bank ( multiple branches on XXXX, XXXX, XXXX, XXXX ) and called the recipient bank ( XXXX XXXX ) multiple times. I called Chase Bank 's wire department every day for the first XXXX weeks, and called the consumer complaint department many times. I have called XXXX XXXX XXXX branches ( including the one where the account holder is ) as well as the general customer support. Chase has tried numerous times to contact XXXX XXXX XXXX. According to Chase, XXXX XXXX XXXX has not responded or even acknowledged receipt. Chase then closed the recall due to XXXX XXXX not responding. During a visit and a follow up call to Chase, I successfully reopened the recall case and asked to escalate. I also filed a complaint with Chase bank for closing the case after about XXXX weeks of it being opened. When I contact XXXX XXXX, they will not give much information since I do not have an account with them. They said they do respond to messages and are unsure why Chase would claim XXXX XXXX hasn't responded. I am also filing a police report and will be emailing the executive teams at both banks today.
Company Response:
State: CO
Zip: 80919
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hello to whom it concern, XX/XX/2022 I was working with a XXXX XXXX and two of my coworkers endorsed me a check because they owed me funds. Chase cleared the checks and froze the account. I went to the bank and they said they needed to verify the checks by phone. Its been a XXXX now and my account is still frozen. I have called several times now to get my account open and have my funds released. They still can not verify the number. So the 3rd party who endorsed the check went to the bank to show his two forms of identification which the most typical way. When he went to bank they said, no, that they have to call him. He gave his phone number and they said no, its not verified number, hes right there at bank with his identification and everything. He drove an hour to the bank to clear this situation and they said it would not work. Hes given all his personal numbers to them and they say no, not verified. Hes talked to his phone providers and they say his number is verified. I have called many many times to chase. Finally last week I called and FINALLY his number was verified with his name. She called him and verified the information. She said everything went through. They called and spoke to him he confirmed the information amount and maker of check, all she requested. She asked me to call back in 5 days to get an update. I called back on XX/XX/XXXX and she confirmed all went through again. All I had to wait for the check to be sent. I called today XX/XX/XXXX to check the update and they said that my account is still frozen and my funds havent been released that they had not even spoken to the 3rd party. How is this possible? If just a few days ago I got confirmation twice that this had all gone through. And now they are saying that its not verified but it was verified a few days ago? I am not sure what to do at this point. I have given all information they needed and 3rd party as well. I sent an email to some executives advising them I can personally go with the 3rd party to the bank again if needed. How can they continue to hold my funds?. They were verified already. Thank you
Company Response:
State: TX
Zip: 77530
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I Loss a lot money from my account ; and Now I find : Chase Bank Pay for my Telephone bill : " {$50.00}, {$30.00} and {$20.00} '' I have the Record in my telephone for This payed by Chase Bank ; and I Payed {$20.00} in Cash also ; for all XXXX or XXXX month I have XXXX XXXX Account. in total {$120.00} per Month. I buyer Perfume : They put in Chase Email : " The same Perfume with better Price ; but I already pay my perfume to XXXX ; and I loss the money ; in paper they return money ; but I Loss this money. I don't take offer from XXXX I use XXXX XXXX XXXX. They close My Account : " But My Social Worker XXXX at Social Security ; tell me : " The money came to The Chase Bank in 4 day ; if they help you came give your money ; because is XXXX Pay ; now : " I way for XXXX XXXX By Social Security XXXX : " Because I never received my Pay Completed by Social Security ; always by shore '' Now I came be Shure I received all my Money ; because I way to be received {$1700.00} for XXXX ; for made {$160.00} Shore may payed by Social Security ; maybe : " This is The Truss reason to Chase be Close my Account ; because came to me in XXXX This Pay '' Are You Help me to find this money? ... Because I have empty my new apartment ; I need Urgent This Money Now ; and also my brother borrow a lot money ; and I need Pay Him. I want be help for you ; because : " This is Abuse by Chase Bank ; because manager in XXXX XXXXXXXX Chase Bank try forced to me : " Accept XXXX XXXX Account when don't subtraction my Pay for XXXX ; and Plus to the total this money '' For this reason I loss a lot money. Also I loss a lot money of my XXXX Card ; and I need stop : " XXXX XXXX XXXX '' Because I Loss {$20.00} in every transaction ; when I used Debit Chase Card and XXXX Card '' I loss all {$1700.00} only received one time ; but I want be sure If I received this Pay in my Debit Card. I hope you Investigation was good ; because I represent To USA for The Best Student XXXX XXXX in XXXX went I finish My XXXX XXXX in XXXX XXXX XXXX in XXXX, New Jersey. Please see also in XXXX My Name : XXXX XXXX XXXX XXXX And You came see My Job to Saved Our World ; also I have : " Change Order for Use Divine Solution for Climate Change '' I Need My Justice and recovered all My Money, XXXX Help Me! ... Amen!!! I want to invite all disability and Older Person for make Demand Together!... Because be pour the older people is be Pour all USA!... They are The Base of Our Economy!... Help Please!... XXXX XXXX XXXX!... XXXX!!!
Company Response:
State: FL
Zip: 32303
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XXXX being improperly notifed by rules in Bank Secrecy Act of 1970, also known as the Currency and Foreign Transactions Reporting Act, is a U.S. law requiring financial institutions in the United States to assist U.S. government agencies in detecting and preventing money laundering the ( improper practices ) of activates of my accounts at JPMORGAN CHASE BANK, N.A Member FDIC online. I contacted there fraud department at toll free XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to acknowledge any resolution to a negative balance or access information of the fraud active and to educate there live agent of banking secrecy act of 1970 which is noted in there filing system I contacted the from my cell ( XXXX ) XXXX also to act in good faith of settling account in equitable entitlement of XXXX XXXX XXXX XXXX XXXX XXXX Account certificate Beneficiary demand of bills 12 CFR Part 1026 - Truth in Lending ( Regulation Z )
Company Response:
State: FL
Zip: 32773
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX I had deposited a cashiers check for {$20000.00} from my fianc boss into my Chase bank account. The reason for the deposit into my account was my fianc asked me to help her boss because he was having issues with his bank account. The said cashiers check was drawn on her bossess investment account. On XX/XX/XXXX there was a XXXX payment from her boss in the amount of XXXX for her employment. On XX/XX/XXXX I deposited another cashiers check for XXXX for work that I had done for my fiancs boss for work from XX/XX/XXXX to XX/XX/XXXX. From the beginning on XX/XX/XXXX I deposited {$500.00} to open my account with Chase bank because I have banked with them previously XXXX years prior. I had financial issues and had to close my account in XXXX with Chase bank and at that time Chasewas very understanding and hoped to see me back soon. So when I opened a new account with Chase in XXXX I felt confident in my decision because of my past experience with them. Between XX/XX/XXXX ( opened accountXXXX deposit ) and XX/XX/XXXX I had deposited roughly {$42000.00} into my Chase bank account. I used the ATM and the bank teller to withdraw my fianc and my money for XXXX and bills as well as our entertainment and my fianc bosses financial obligations and his misc. Financial needs. On the XXXX XX/XX/XXXX there was approximately {$4600.00} left in my account. Which was the remainder of my monies from the {$20000.00} cashiers check paid to me for services ( work ) rendered for my fianc boss. On XX/XX/XXXX I tried to use my debit card at an ATM it wouldn't complete my transaction stating please call the fraud hotline. I then called the fraud hotline immediately. Per the conversation with the banks fraud department my bank account was frozen because of a suspicion of fraudulent activity. I then asked what they meant and the representative stated that there was XXXX large deposits ( by cashiers check ) into my account with numerous withdrawals. I then asked why any of that would be suspicious and the representative stated because I just opened the account and there was to much activity on a new account. That was very confusing to me because I thought the reason people opened a bank account was to keep their money safe and accessible to them at anytime. When I inquired about what I needed to do and when I could access my {$4600.00} the representative stated that it could take up to XXXX business at which time I needed to supply a confirmation from the issuing bank of the cashiers checks. My fianc immediately called her boss then we picked him up and went to the issuing banks main office in XXXX Florida upon arrival @ said bank my fianc and her boss spoke to a gentleman that handles this type of inquiry. The gentleman then called Chase bank and proceeded to inquire about the information my bank needed for authorization of said cashiers checks to release my remaining funds. Chase Bank told him he needed to call this bank to bank number and fax the information which he did immediately. I then called my bank back immediately after and they told me they will look Into it and I will be notified by mail within XXXX business with a check for my remaining balance of {$4600.00}. I waited approximately XXXX days before I had called Chase again because I hadn't received my balance yet. A Chase representative told me that they would look into it further into why I haven't received my balance its been over XXXX days. The representative told me i would have this issue resolved within XXXX business days more. I then waited XXXX more days ( for a total of XXXX business days ) when it was only supposed to be XXXX days. On the XXXX business day after my account was frozen I called for a XXXX time to Chase bank to inquire about my remaining balance I was still owed and Chase 's representative I talked to said that I haven't received my remaining balance because the cashiers checks needed to be verified by the issuing bank. I explained to them that the issuing bank called them XXXX days after they froze my account and sent and approved said cashiers checks. Chase 's representative then put me on hold to look into this allegation further. Approximately XXXX minutes later the representative returned to the conversation and stated that the {$20000.00} cashiers check on XX/XX/XXXX was deposited again on the XXXX XXXX XXXXXX/XX/XXXX. I was a little confused then realized my banks mistake and told the representative that was not the case. There was XXXX cashiers checks for {$20000.00} deposited into my account. XXXX one on XX/XX/XXXX and the XXXX cashiers check for {$20000.00} was deposited on XX/XX/XXXX. The representative argued with me for approximately XXXX minutes at the end of the conversation nothing was accomplished for me my bank still did not see their error and I believe they did not want to admit their mistake. I waited approximately XXXX more week called Chase bank again this time with my fianc boss ( since the cashiers checks and the zelle payment where from his financial institution ) so he could talk to my bank with me. Myself, my fiance & my fianc boss talked to Chase that day and Chase stated that the fraud department is still investigating and they are unsure the exact date they would release my remaining balance of {$450000.00} ( the original balance was {$4600.00} ) I asked why the amount has changed and they repeated to me because of administrative fees. I waited approximately XXXX month since my account was frozen ( it was XX/XX/XXXX ) when I reached out to Chase bank again ( because I still hadn't received my money from my now closed account ) the banks answer was because the cashiers check issuing bank needed to confirm the checks. I then stated to my bank that has already been done at least twice. My bank said they haven't received any confirmation. I have tried approximately XXXX more times since XX/XX/XXXX to get my money from my closed Chase bank account and I get nothing but the run around and lied to and treated as if I was a criminal. My fianc is XXXX and unable to work anymore that money that my bank stole from me was the last little bit I had to pay for our food/ living essentials. Because of my bank stealing my money I have lost our home and everything else. Please I am desperate for your help. Thank you
Company Response:
State: FL
Zip: 34232
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy, '' according to section 602a of the Fair Credit Reporting Act, 15 USC 1681. I am the consumer, and the consumer reporting organizations are XXXX and XXXX. According to 15 USC 6801, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information, '' I have the right to ensure that my private information isn't shared. By definition, an organization that provides information to credit agencies falls under the category of financial institution. Section 2 of 15 USC 1681 section 604 says that " In general Any consumer reporting agency, subject to paragraph ( c ), may provide a consumer report in the following situations only : in compliance with the customer 's written instructions. '' ( Info provider to credit agencies ) The banking institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my written consent, nor do they have my consent to provide this information. All spoken, nonverbal, written, implied, and other consents to XXXX and XXXX ( providers of information to credit agencies ) are withdrawn. 15 USC 6802 ( b ) ( c ) provides that " A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' In addition, 15 USC 1681C ( a ) ( 5 ) states that " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. '' They are re-reporting this account as an unfavorable item without my consent, which is illegal.A person is prohibited from providing any consumer-related information to a consumer reporting agency if they know or have reasonable suspicion that the information is incorrect, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A. According to 15 U.S. Code 1681e, " Every consumer reporting agency shall maintain reasonable procedures designed to prevent violations of this title 's section 1681c and to limit the furnishing of consumer reports to the purposes listed under section 1681b. '' Reasonable processes are not being upheld by XXXX and XXXX. Furthermore I'm opting out of your reporting services in accordance with 12 CFR 1016.7, which provides that " A consumer may exercise the right to opt out at any time. '' 18 USC 1681- Permissible purposes of consumer reports Violation of the privacy Act of 1974 5 USC 552a- Records maintained on individuals- 15 USC 1681 ( s ) 2 ( b ) - Responsibilities of furnisher of information to consumer reporting agencies 16 CFR 444.1- Unfair or deceptive cosigner practice 16 CFR 444.4- late charges, In connection with collecting a debt arising out of an extension of credit to a consumer in or affection commerce, as commerce is defined in the FEDERAL TRADE COMMISSION ACTS, It is an unfair act or practice within the meaning of section % of that act for a creditor, directly or indirectly, to levy or collect any delinquency charge on a payment, which payment is otherwise a full payment for the applicable period and is paid on its due date or within an applicable grace period, when the only delinquency charges, assessed on earlier installments. 15 USC 1666b ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: OH
Zip: 44306
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A