Date Received: 2023-06-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Chase Bank failed to provide a credit that is just and due mu acccount. I filed a claim for XXXX XXXX Leather as they charged my account in three amounts : XX/XX/XXXX {$59.00} XX/XX/XXXX {$340.00} XX/XX/XXXX {$380.00} I canceled the order immediately as merchandise was unavailable. There is no phone number to contact this merchant. They give a phone number XXXX but it is unreachable as reported by hundreds of complaints online. A box shipped and was refused through the shipper with Fed XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I located extensive information online about the horrors of this company and how they steal person 's funds by failing to credit accounts. I took a complete file into a Chase branch and they emailed it to the Chase Claims Department to credit my account. Chase Claims refused to credit my account with extensive evidence to do so.
Company Response:
State: MN
Zip: 55433
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a personal checking account with Chase Bank earlier in XX/XX/2023 because I wanted a bank readily physically accessible to me. I have always bank with XXXX XXXX. I did a remote check deposit from my XXXX personal checking account in the amount of {$12000.00} into my new Chase personal checking account on XX/XX/2023. The debit transaction posted into my XXXX checking account on XX/XX/2023. I was expecting my credit to be posted into my Chase checking account within 2-3 business days, as is the case with every other banks I have transacted with. Chase bank has a policy to always place customer 's deposits " on hold '' for seven business days. That meant for the entire seven days period, customer will have no access to their funds. I had expected the funds to be available in my Chase checking account for my use within 3 business days. The Fund was held " hostage '' by Chase. Wherefore, I had no access to my own money. I called Chase bank to find out why they withheld my deposit because I needed my money for critical transactions. I was informed that Chase bank has a " Policy '' to always place customers ' deposit " on hold '' for seven days. And there is nothing they can do about that. I find this " policy '' to be reprehensible and an unwholesome banking practice. The Check of {$12000.00} had been debited to my XXXX checking account since XX/XX/2023 but Chase bank has decided to " hold unto '' my funds until XX/XX/2023. This is ridiculous practice and I have never experienced any such practice or policy from any major bank in the United States. Chase bank has no valid reason to " hold on '' to my hard earned money for no reason and deny me access to critical transaction I wanted to carry out with my own funds. Even as I am making this complaint, Chase bank still " holds my fund hostage '' for no legitimate reason. I see these practice as an " Harrasment '' of customer. I did online customer reviews serach, and it turns out millions of customers have being complaining about this Chase 's practice in online chats and customer review websites. I hope this compliants makes it to the United States Congress and Chase bank is made to explain its practices to Congress.
Company Response:
State: DC
Zip: 20007
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Chase has mishandled this case. They allowed XXXX to take XXXX out of my debit card and have failed to reverse it to my account. A complaint was filed with Chase but Chase failed again to properly credit my account. I had XXXX enter my computer remotely to repair XXXX XXXX. The tech claimed he had to remove it and replace it to fix the problem. He removed it and left the computer and never returned. I was left stranded without the word program during the midst of my workday. I emailed repeatedly to XXXX and they even used the tech 's name but then failed to respond to the emails. I then was directed to the XXXX store and began a chat explaining the problem. The Chat directed me to download a particular office program and I had to enter my card but they promised XXXX would credit it. They charged approximately {$75.00}, {$8.00}. and {$100.00} to the debit card. Chase then credited the charges and then reapplied just the charge for {$100.00}. .Chase gave me numbers for microsoft and I had already tried those same phone numbers and they have not worked for the past three months. There is no means of getting a live person at XXXX to credit my account. I have written multiple emails to which they fail to respond. This is the ressponsibility of chase to credit my account. chase tried to get out of it and continuously directs me to XXXX. It is time Chase began to assist their account holders and provide them just credit.
Company Response:
State: MN
Zip: 55433
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I mobile deposited a check on XX/XX/XXXX, the Chase app said I would have the money the next business day. XX/XX/XXXX came and the mo ey still wasn't released so I called chase Bank and they told me the money would be released at midnight of the XXXX. Now it's the XXXX and the app says I won't have access to my money until XX/XX/XXXX even though the representative said I would have access to the money today.
Company Response:
State: FL
Zip: 33401
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
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: My apartment place refused to fix anything since XX/XX/XXXX, including water leak which led to mold and parasites in the water heater. My whole family got really sick. They still refused. I call Chase and said they are not upholding their end of the contract of lease and that therefore I did not get the goods/services purchased ( a safe place to live ) and I want to dispute. XXXX disputed no issues. Chase refuses. {$1100.00} on XX/XX/XXXX. Why should I have to pay for an apartment that isnt safe and made my family sick? My apartment complex threatened eviction and I didnt know I could withhold rent so I paid. They said theyd fix it if I paid, then I did and they refused and cancel work orders and claim none were ever made. So I began paying with credit card even though there was {$70.00} fee so. I could dispute charges later on ( avoiding retaliation from complex ) and Chase refuses and says I shouldve withheld rent. Well Chase, sorry Im not an expert in tenant rights and rental laws. Sorry I was threatened and have a XXXX XXXX XXXX XXXX to provide shelter for. But now that I am moving out I want to dispute so that they can not retaliate against me and make my familys lives even worse. Chase refuses and I disagree. I didnt get what I contractually was entitled to. So. I want my money back.
Company Response:
State: CO
Zip: 80521
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: This account was opened in my name. I do not have any correlation upon opening this account of the date it was opened.
Company Response:
State: TX
Zip: 77320
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was searching XXXX XXXX XXXX in XXXX XXXX, XXXX thru XXXX ( Moving from XXXX to XXXX XXXX XXXX XXXX and found that room is available and contacted thru XXXX whether room is still available or not and he replied back with Room is available and share room photos and asked {$700.00} advance to book the room and he share the mobile not to tansfer the amount {$700.00} thru XXXX provide the mobile no is XXXX and i did transfer {$1.00} for confirmation and remaining {$690.00} transferred after his confirmation and after that he did not reply and not picking the call. XXXX much frustrated about this incident and i called my bank, explained about this issue and My bank asked XXXX to denied the transaction which happen on XX/XX/XXXX or revert from receive bank, however receive bank informed that fun has been moved to other bank on the same day, unfortunately we could not refund like that receive bank informed. Kindly help on this.
Company Response:
State: MI
Zip: 48335
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/26, I received 5 letter 's from JP Morgan Chase, NA, advising that they were going to close 7 of my accounts. When I asked why, I was told that they didn't have to give an explanation because of a clause in the account application that allows the bank to do that. A search for reasons and similar situations on the internet and through personal contacts revealed various reasons for an account closure, but other than the facts of account inactivity, one turned out to be a XXXX XXXX XXXX credit card that had never been used, and 2 that are just old accounts that contain funds, but had no recent transactions. Of the remaining 4 accounts, ( 2 checking / 2 savings ) all are active. There are no red flags that I can see. There haven't been any strange or sudden deposits, withdrawals, or over drafts. Two of the accounts are over XXXX XXXX XXXX, while the other 2 are only about XXXX years. I think that it's important that I be given a reason why they took this action. Without an explanation I'm unable to tell if they are working with accurate information. And without knowing if inaccurate information is being circulated how can I go about getting it corrected.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: i have closed this account with talking to company and settled. but its still showing i am owing amount
Company Response:
State: TN
Zip: 38401
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2023 I sent an electronic transfer ( NOT a pay by mail nor a pay by check ) from my Chase account in the amount of {$2600.00} to a XXXX XXXX XXXXXXXX account number with the Payee Name being " XXXX XXXX XXXXXXXX ''. On XX/XX/2023 I sent an electronic transfer ( NOT a pay by mail nor a pay by check ) from my Chase account in the amount of {$980.00} to a XXXX XXXX XXXXXXXX account number with the Payee Name being " XXXX XXXX XXXXXXXX ''. These funds were never received by the intended account holder at XXXX XXXX XXXXXXXX. The account holder at XXXX XXXX XXXX is my landlord. I received the bank name, my landlord 's name, their XXXX XXXX XXXXXXXX account and their routing number in my lease. I know that all of the information just listed above for my landlord is correct because in order to pay my rent I have been depositing cash into the XXXX XXXX XXXXXXXX account listed in our lease given to me by our landlord. What I was able to find with XXXX and XXXX XXXX XXXXXXXX is that MY ERROR was inputting " XXXX XXXX XXXXXXXX '' instead of the personal name of my landlord. The actual name on the account is for a business. The business belongs to my landlord. So, the funds were sent to the CORRECT bank ( XXXX XXXX XXXXXXXX ) with the CORRECT account number ( account number listed correctly on lease, currently the account number that I use to deposit cash for our monthly rent, my landlord has verified that they are receiving all of my cash deposits ) BUT... Instead of being the correct name listed on the lease it was simply " XXXX XXXX XXXX '' as the payee name. Here is where it gets a little difficult... The landlord has a property XXXX who uses a different bank, that bank is XXXX XXXX Bank here in XXXX, Texas. I input the correct account number for XXXX XXXX Bank but committed the SAME ERROR ... instead of putting the property XXXX 's name, I input " XXXX XXXXXXXX XXXX ''. XXXX Bank RETURNED the funds to my XXXX account within a week stating " The Payee name did NOT match the account number ''. Unfortunately, XXXX XXXX XXXX does not have the same type of error/return system. I have spent XXXX hours trying to fix this issue. I have called XXXX numerous times and I have discussed this problem with XXXX DIFFERENT REPRESENTATIVES all of whom gave conflicting information and stated " there isn't anything that we can do '' and I filed a case at the XXXX level. The XXXX representative at the XXXX level stated that " XXXX XXXX XXXXXXXX is notoriously difficult to get things resolved ''. At the XXXX level, XXXX also stated that " there isn't anything that we can do ''. I also talked to a XXXX XXXX here at XXXX in the XXXX, Texas who was extremely helpful but could not resolve the issue. I called XXXX different people at XXXX XXXX XXXX ( with XXXX XXXX XXXX I received XXXX different responses from these XXXX representatives all of whom stated " there isn't anything that we can do '' ) over the last month and finally spoke with a XXXX XXXX XXXXXXXX XXXX at a XXXX XXXX XXXXXXXX XXXX here in XXXX, Texas because again I was having such difficulty with this. Here are facts that I know to be true : XXXX. XXXX sent the funds from my account to XXXX XXXXXXXX XXXX ( I do NOT have them anymore ) XXXX. The recipient bank name ( XXXX XXXX XXXXXXXX ), the account number ( verified by me and landlord multiple times ) and amounts were all correct. XXXX. My ERROR was inputting " XXXX XXXX XXXXXXXX '' instead of the landlord 's name on the XXXX platforms Payee Name section for online electronic payments. XXXX. My landlord and multiple representatives at XXXX XXXX XXXXXXXX have stated that my landlord 's account has NOT received these funds. I have been told by XXXX of the largest banks in the United States that they do not know where my money is and they CAN NOT help me in anyway.
Company Response:
State: TX
Zip: 773XX
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A