Date Received: 2023-06-13
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: On XXXX XXXX I contacted my Bank CHASE & notified them of unauthorized reversal charges on my account there had been several to make them aware is wasn't me but to also ask them why I haven't I been notified by them & or the fraud department, By this time I had changed my username to try to stop whoever it was and started receiving fake text and phone calls messages asking me why. I then realized just a few weeks before thgis I noticed some weird activity with my debit card & request it to be deactivated change immediately and a new card be sent out possibly were the ones doing the reversals on my account & I followed by also reporting this to my local Police department obtain a police report case number for fraud. Chase Bank started the claim process & told me they would take extra security measure on my account and it would take 6 days as I request to close the account as it still was accruing a increase negative amount they ask me is I wanted to dispute all charges I stated yes & I requested that my creditors all be paid back for the reverse charges, and then proceed to close the account. Chase informed me the account must remain open during the investigation, its been over 6 days also after reporting this on XX/XX/23 there was another reversal made after me warning them its not me and this reversal was made with my old debit card that I ask to be deactivated specifically told Chase from this point on if I have to conduct any business with I would call and use the security measures put in place to avoid any more charges it went thru as well. I received several letter saying the reversal was completed but still the account remains in a negative status, I proceeded to make an appointment to speak with someone on XX/XX/23 about this manner and get an update only for the representative to tell me I have to call claims again, now Im receiving emails stating I need to make a deposit in order for this account to remain active because its - {$2400.00} and havent heard or received anymore correspondence from them.
Company Response:
State: FL
Zip: 33870
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: So someone hacked my information to my checkings and savings account. They called the bank and over the phone they transferred all my savings, {$3000.00}, into my checkings. They then proceeded to spend {$1500.00} on online purchases. One of those purchases they sent to my billing address. When I filed a complaint with my bank, they thought it was weird that the funds were transferred via a phone call and not the app since I have never done it that way before. But when investigating these fraudulent charges they deemed them to be authorized because the delivery address matched my billing address. I tried to explain to them that it wasn't me that made these purchases. I asked if they checked the phone number or email that was used to make these purchases, because I knew they would not match mine, and they told me all that mattered was the addresses matched. Then I asked about the fraudulent transfer of funds, again, because I didn't authorize it, and they told me it didn't matter because it was transferred within my account. I have never transferred money this way in the 20+ years I have been banking with them. I asked if I could her the recorded line of the transfer and I was told I would need a court order to do so. They told me the burden was now on my to prove these charges were fraudulent and that was that.
Company Response:
State: CO
Zip: 804XX
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have a Chase saving and checking, and I use them mainly online. Today I was required to read and sign to accept accept a 10 page document and a 124 page document before I could go on line. In essence they forced me to accept the documents before I could even sign in. I enjoy Chase and the services have been very good. But I can't read and absorb the document before I do my banking for an immediate need tonight.. I need to do some business with them tonight, but that is currently impossible due to their demands to sign an agreement that I have not read nor have time to read. I think this is unfair and not an appropiate way to force a signature almost under a mild form of duress- sign or do not use the account right now ( or for the foreseeable future? )
Company Response:
State: WI
Zip: 531XX
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: Hello. I became a victim to a multilayer scam operation orchestrated by XXXX XXXX with the design, development, manufacturing, promoting, marketing, distributing, labeling, and or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of the client losses to gain. Amines was transferred from my Chase Bank account around {$22000.00} USD utilizing your service about the month of XXXX 2022. I attempted to recover the funds on my on by seeking the service from XXXX XXXX XXXX in XX/XX/2022. Unfortunately I fell victim again by hiring and paying over {$9000.00} for recovery that was falsified through XXXX XXXX from a fake account. I have been scammed by what I thought was both legitimate businesses. I am a business lady trying to earn a honest living. This has really affected my mental and physical wellbeing. I feel that if my bank for over 30 plus years would have i intervened. I would not be in this situation. This is why Im requesting from Chase Bank the return of my investment funds. I seriously cant afford to lose such a large amount of money. Thank you, XXXX XXXX
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Early XX/XX/2022, my wife and I received many generous checks at our wedding from family and friends. We then went on a small 'mini-moon ', so these were not cashed until a couple weeks later ( varying between XXXX XXXX to XX/XX/XXXX ). Some were cashed in each of our personal accounts through XXXX XXXX XXXX , because we hadn't yet opened up a joint checking/savings but were in the process of doing so with JPMorgan Chase. I already had a credit card with Chase and it was sort of neutral ground for us ( both had some so-so experiences with our respective banks ) so I initially opened up the account and it was approved not long before XXXX. The problem was... we had to go into a physical location to add her name to the account since it wouldn't allow me online, and both of us were busy scrambling to get XXXX gifts and spend time with our families before leaving on our actual honeymoon on XX/XX/XXXX. She asked me to just deposit the remainder of the checks ( totaling {$5800.00} ) into the Chase account before leaving for the honeymoon so that we didn't have people waiting a month to see the funds leave their account. I signed all the checks myself while packing up my suitcase, and deposited using mobile deposit. Once we got back from XXXX XXXX, I logged into my Chase app to find that the checking account previously showing underneath my credit account had just disappeared entirely. I called the Chase support number, thinking it was just a technical glitch but in fact they had flagged my account as fraudulent and told me that they would be withholding the already-cashed funds until we could verify with every check writer that it was indeed legitimate. They were able to automatically verify many of them, but 7 checks remained unverified for various reasons. The 7 checks remaining were easily the worst case scenarios out of the {$5800.00} : 1 ) My wife 's uncle and aunt, in their early 70s and not doing very well for a few health reasons 2 ) My grandmother, in her 80s, lives over an hour away and not very mobile 3 ) My wife 's friend, with a XXXX 4 ) Another wife 's friend, with a XXXX XXXX XXXX AND a XXXX 5 ) Another Uncle of my wife 's, who is on terrible terms with my mother-in-law and not very understanding. Even worse ( for reasons explained below ), his wife signed the check instead of him. 6 ) My wife 's grandmother, who is XXXX XXXX XXXX and XXXX bound with around the clock XXXX XXXX 7 ) My mother-in-law 's friend, in her 60s What this means is : -I have to call a Chase support line, wait on hold for on average ~20-60 minutes - Once I finally get a support rep in the fraud department, I have to re-explain the lengthy story to them and then they re-tell me in excruciating detail the exact process that has already been laid out for me, many times over. - Then while I am on the line, on hold, they arbitrarily call one, or all, of the remaining check writers that have not yet been verified. However, if they don't have their number on file in what I assume to be XXXX, or they have the wrong number, then they just can't call that person at all and force them to come into a physical Chase location to have their ID scanned ( there's not that many locations... ) A few notes about our experience with this as well : - Chase refuses to release ANY of the funds until every single check is verified with the writer of it - Every family member/friend that was called immediately thought that the support rep was a call center scam artist due to their lack of professionalism -I was hung up on ~5-7 times in the middle of reiterating my story to each new support rep, probably because it wasn't an 'easy case ' - When explaining to the regional fraud department head after many escalations that my wife 's grandmother ( on the list ) was XXXX, XXXX XXXX, and obviously without the correct phone number on file so she clearly is unable to come into a physical Chase branch, I received the kind reply of 'do n't know what to tell ya " -An extremely helpful branch manager in our current residing town helped us out on one occasion, but the poor gentleman ended up just as frustrated as we were after talking in circles for 3 hours with his own company 's support team and their inability to understand the situation - We went back a second time for help with the local branch manager, and when he got in touch with the fraud department rep they told him that there wasn't any notes on our case, so even though we had already gone through the process of verifying 6 out of the 7 outstanding verifications needed, someone was able to just accidentally ( or intentionally ) delete every single note attached to our case, thereby almost erasing all proof of our battle with this insane process. -One support rep told us we could have the check writers ask their bank to 'rescind the check ', and there was a process in place for this with almost every bank. We asked three of the 7 remaining family members to do this with their bank. Each of them being ~50-75 years old, naturally they took time out of their workday and went into their bank office to ask them to do this. Their representatives said that's never been done and the check has been cashed so there's nothing they can do. The next call I had with the fraud department, they 'clarified ' ( barely ) by saying they had to call the back office instead of going in physically. They all use local town savings banks, there isn't a back office. - My wife 's grandmother is an absolute angel powerhouse of a woman and on her one day of feeling even remotely mobile, she had her XXXX drive her to visit us and we scanned her ID at the local Chase and had some pizza after. As good as that sounds, the fraud department kept the bank manager on hold for ~90 minutes while they called the rest of the check writers ( that had already been verified, so they just didn't listen and it was for no reason ) WITH GRANDMA IN A XXXX RIGHT THERE. We said enough is enough and my wife left with her to go get the pizza ~45 minutes in. Still, the fact they were too ignorant to listen to the bank manager ( who won branch of the year ) when he said, after explaining the entire situation yet again to a brand new support rep on the case, 'They are here to scan one ID for one check, please help us with this quickly ' and they proceeded to do nothing we asked until calling every bank AND check writer is astounding. There was one slice of pizza left for me. In summary : I have spent well over a full work-week on hold/on the phone with Chase fraud department over depositing checks into a new account which is now being held hostage. This account was intended to be a joint account with my wife and I after getting back from our honeymoon for house funds, baby funds, fun funds, etc, and instead of this we have had to make dozens of unbelievably awkward calls asking people who just gave us extremely generous gifts for our next stage of life to get on hold with arguably the most unqualified, rude, and deliberately unhelpful support representatives I've ever encountered. So, now we are down to ONE check that has yet to be verified but it's my mother-in-law 's brother who is on terrible terms with my mother-in-law, AND his wife is the one who signed the check. Neither of their numbers are in Chase 's phone database, so Chase can't contact them over the phone with me on the other line as we did with others, and their bank has refused to rescind the check. So basically Chase wants me to have them do this instead : 1 ) Drive over an hour to the nearest branch 2 ) Explain to some random branch manager why they are there ( even though they hardly understand how complex this situation is themselves ) 3 ) Have the branch manager phone into the fraud department to reiterate the same situation they just explained to said manager, probably wait on hold for 30 minutes 4 ) IF the fraud department hasn't 'lost ' the case notes ( again ) then they will probably explain to branch manager the entire process for these kind of 'fraudulent alerts ' even though that is what has just been explained to the branch manager in the first place and we've gone through in entirety over a dozen times over multiple months 5 ) Then MAYBE, MAYBE, if we're VERY lucky, they will mark the case as complete and release the funds to us.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I discovered on XX/XX/2023, that I was a victim of fraud. I logged into my mobile banking account and noticed that XXXX XXXX dollars had been withdrawn from my checking account. I called the fraud line and reported this, and a temporary credit of a XXXX was placed back in my account while an investigation took place. I received a letter today from Chase informing me that the transaction was authorized. I have never withdrawn XXXX XXXX from my account. It appears someone cloned my card and went to the atm five times, and XXXX XXXX XXXX dollars 5 times. This withdrawal has to be on an ATM camera. I work too hard to give a XXXX dollars away. I want someone to call me from the executive office. Thank you.
Company Response:
State: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XXXX XXXX XXXX has conducted the payment in the amount of XXXX XXXX from my account with XXXX to account of GO HIGHER INTERNATIONAL TRADE ( XXXX ) XXXX XXXX opened with SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXXXXXX XXXX XXXX was designated under the XXXX XXXX XXXX. Considering this, my payment was blocked by intermediary bank on XXXX. On XXXX I applied to XXXX for a license to unblock my funds. On XXXX I have received license XXXX XXXX authorizing JP Morgan Chase Bank XXXX XXXX the funds to the originator. We tried to contact JP Morgan Chase Bank via XXXX from XXXX Bank XXXX XXXX on the fact of issuance of the above mentioned license and asking them to return the funds to our account in non-sanctioned bank. Still, JP Morgan Chase Bank has not responded. Thus, we can not receive our money even having the license authorizing it.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: During the year 2017 my husband was XXXXXXXX XXXX XXXXXXXX. I had to contact a debt management company for help. The following companies agreed to close the accounts for less than the money owed. They listed the accounts as PaidChargoff on my credit report. I would like to try to have them removed as I am in the process of applying for a mortgage and they are bringing down my XXXX XXXX. Since that time, I have not had delinquent accounts and I am hoping to get this cleared from my report asap. XXXXXXXX XXXX XXXX XXXX Can you please help me remove these charge off accounts?
Company Response:
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am filing this complaint because JPMCB has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the XXXX day mark and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete Account # XXXX. Please resolve this manner as soon as possible thank you
Company Response:
State: CA
Zip: 95219
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My total checking account ending in XXXX was closed by chase bank on XX/XX/2023. I received a notice in the mail, telling me that I would receive any funds remaining in the account after XXXX business days of closure. Its been months and I still havent heard back from Chase. Ive contacted their escalations department and all they told me was that I have to wait and that they have no timeline on when I would receive my money. I had a little over XXXX in that account and that is a significant amount of money for me and my family. I dont know what to do.
Company Response:
State: IN
Zip: 462XX
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A