Date Received: 2023-06-10
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX and approximately XXXX I went to the Chase Bank drive thru ATM at the XXXX XXXX XXXX on XXXX XXXX. I went to deposit cash worth {$1100.00}. While waiting for the ATM to deposit my money, it suddenly gave me a receipt to call the bank to check if my deposit went through and the ATM showed the screen of not being able to take any deposits or cash out at this time. Given the time, I did not call until opening ( website states XXXX, I could not reach anyone until XXXX ). I called their customer service number at XXXX and spoke to the representative that took in my claim along with all the information on the receipt the ATM gave me and assured me the money would be credited within 2 hours-2 business day. I told her I am flying internationally and she assured me everything will be taken care of. Trusting them, I waited the two days and did not receive the funds. I called again XX/XX/XXXX, and spoke to a representative who told me that I would have to wait an additional two days but was again verbally guaranteed my funds would be credited. I trusted their word as the bank representative and waited. Today XX/XX/XXXX and I called at XXXX and was guaranteed my funds within the day and was told to call before closing if I did not receive the funds. I called once more later in the evening XXXX as time was going by and I did not receive the funds. When getting on the phone with a claim specialist was told that my funds are not proven through my claim and I would have to wait for an investigation until the XXXX. This unacceptable as Ive been lied to on the phone by the past number of representatives, there was no communication towards the investigation just when checking they would have my funds in by 48 hours. No one told me the proper procedures to this until this current call on XX/XX/XXXX, all I was receiving when calling was false hope. Notes before in this report, Im currently out of the country without the funds that were suppose to be guaranteed to be for a week. I am barely surviving now due to Chases negligence. I spoke with a supervisor that kept repeating the investigation needed 10 days. She reported it would be finished by the XXXX but reported Chase is not closed for XXXX and given that my investigation should be done by the XXXX, again more lies and false hope. I am off on a remote island and the options they attempted to give me were not acceptable nor realistic. Chase attempted to report i needed to fax documentation for proof, despite having my information of the receipt from the first call on the XXXX. But when speaking with the supervisor she reported there wasnt going to be use to faxing it. More contradicting of all representatives. Chase made no accommodation towards my situation when Ive given them all the information and have been overly patient believing their false reports and resolutions. Please see attached for the receipt of the ATM and a screenshot of the time stamp of the ATM error screen.
Company Response:
State: NJ
Zip: 08002
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: Since XXXX, we have had an Equity Line of Credit account that was initially opened with Washington Mutual but has been with JP Morgan Chase Bank since Chase purchased WAMU. One of the features with this account was a no-fee checking account. In XX/XX/XXXX, Chase sent us a letter explaining that our checking account would automatically become a " Premier Plus Checking Acount '' on XX/XX/XXXX. We were told in the letter that this new Premier Plus checking account would be exactly the same as our previous account with only one BIG difference : there would now be a {$25.00} monthy service fee! There was no decent reason given for the new large fee ( other than possibly " Greed! '' ) and thus far this year, Chase has netted {$150.00} in fees from us for doing nothing more than they ever have since assuming the account from WAMU. We believe this is a clear violation of the original terms of our original Equity Line of Credit Account agreement we signed in XXXX.
Company Response:
State: CA
Zip: 91604
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, I deposited a check ( less than $ XXXX ) to my checking account via Chase quickdeposit. Prior to completing this transaction, I researched the policy & procedures in the FAQ 's through Chase online banking app. The deposit met the stated criteria. In the small chance the check was placed on an uncollected funds hold, it would only have been XXXX business days as the check was local. I felt I had been proactive in choosing this option. That could not have been farther from the truth. Not only did Chase decide to place the hold on the check, but they placed a XXXX day hold. After visiting the banking center XX/XX/2023 we were told there was nothing she nor I could do about it. Ok, fine. XX/XX/2023 we expected payroll direct deposit like it does every XXXX weeks .That never happened due to Chase placing fraudulent/freeze hold on our account due to the quickdeposit made XX/XX/XXXX. Chase states the check is fraudulent which XXXX XXXX is not the case.. The check is from a major hockey organization iin Washington State. Currently Chase has given us XXXX access to our funds, not even payroll, leaving us with no money. Chase has been completely unhelpful in anyway Chase has repeatedly gone out of their way to be inconvenient. They have inappropriately profiled us. There has not been XXXX employee at Chase to exhibit even the slightest bit of customer service. I am disgusted with this financial institution. When this is all over with, I will never step foot inside this bank & I will make sure to tell anyone & everyone about this experience & the lack of compassion exhibited by this institution. Had I choose to go straight to the bank the check was drawn on, I wouldn't be in this predicament, so I take partial responsibility. That being said, the way Chase has handled this has been completely unprofessiona to say the least. Btw, this is an established checking for many years with several tens of thousands of dollars that has gone through this year alone.
Company Response:
State: WA
Zip: 98499
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX E-Mail : XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date : RE : request investigation of an authorized inquiry To whom it may concern, I checked my personal credit report which I acquired from your organization on ( ) and noticed that this an authorized inquiry had been made. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Please remove or I will contact the FCRA. Furthermore, I am allowed under the ( HIPPA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX for them to release my medical information to a third-party. I understand that the ( HIPPA ) does allow for limited information about me, but any details may only be reveal with the permission of the participant. Therefore, my request is twofold and as followed : Validation of debt, and HIPPA Authorization. Please provide a breakdown of fees, including any, and all collection cost and medical charges. Please provide a copy of my signature with the provider of service to release my information to you. Immediately cease any credit bureau, reporting until death has been validated by me. I am unaware of this collection. Please validate or remove this account. Therefore, I must request your help in resolving this matter. In accordance with the fair credit reporting act, I request you immediately initiate an investigation into this inquiry, on my credit report to determine who authorized the inquiry. If once your investigation is complete, you find my allegations to be true please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at the listed address above. If you find my last inquiry above to be valid, I request that you send me a full description of the procedure used in your investigation within 15 days of the completion of your investigation. Thank you for your assistance. Sincerely, XXXXXXXX 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
Company Response:
State: IL
Zip: 60636
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: Today XX/XX/2023 I was emailed by chase bank regarding an open account that I did not apply for. Contacted back to report fraud and identity theft. Bank closed card but directed to XXXX to report. Contacted XXXX and informed of the situation was then directed to file a report.
Company Response:
State: MA
Zip: 02740
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Hi, on XX/XX/XXXX, I mailed a payment to XXXX XXXX, check was made payable to XXXX XXXX in the amount of {$3400.00}, this check was stolen from the mailbox and fraudulently endorsed and deposited to XXXX XXXX XXXX on XX/XX/XXXX. This check was cleared from my chase account on XX/XX/XXXX, i discovered this a week later after i got an email from XXXX that my payment was not received, I immediately filed a claim, and to this day i have not gotten my money back from chase, I am being told every time, that they are awaiting a response from XXXX XXXX XXXX. I have been working with a manager from chase who keeps telling they are still waiting, yet he read a disclosure stating that chase can give me credit pending the investigation, yet they are not willing. I would like my money back as this is FRAUD, chase acknowledge this issue as well.
Company Response:
State: NY
Zip: 11369
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Lost or stolen check
Subissue:
Consumer Complaint: On XX/XX/XXXX, a cashier 's check for {$50000.00} was issued to me to close a CD account at Chase Bank and open a new one with XXXX XXXX XXXX ( XXXX ), located XXXX XXXX XXXX from Chase in XXXX XXXX. I opened my new retirement account and didn't think much of it. Three years later, I called XXXX to check on the account, but they had no record of it. I contacted the financial advisor who helped me open the account at XXXX, and he informed me that the check never cleared and didn't go through. I asked why I was never notified or called, and he explained that they had sent a letter, but since I wasn't an active customer in their system there might have been a problem with the generated letter. I reached out to Chase about the missing money, but they couldn't find any information regarding the transaction since it had been over three years. They requested that I provide the check for their assistance, which was impossible because XXXX had voided and destroyed it. I asked them for other options, and they inquired if I had a check number. After several years of speaking with the bank and sifting through paperwork, I located the check stub. Chase confirmed that the check was indeed never cashed. At this point, I assumed that the issue would be resolved, and they would refund me. they never sent the money and the check was never cashed out, so they still have the funds. However, the check was voided in XXXX, seven years after the issue date, and was never cashed out. I brought this matter to different departments at Chase for three months, and finally reached their internal escalated complaints department. I then questioned why the funds were not sent to the state treasury for claiming, and when I contacted the head office in Ohio for Chase Bank, where all checks pass before being sent to the state, they stated that they had no record of receiving or processing that check or the funds. Unfortunately, they only informed me that they couldn't refund me and that " it's a complicated matter, '' without providing any further explanation or info and are closing the matter. I never felt so frustrated for something that seems so simple to correct
Company Response:
State: CA
Zip: 92532
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I am an XXXX student at XXXXXXXX XXXX When I came to New York last year, it was my first time abroad. I opened my account at Chase Bank in XX/XX/XXXX because I heard many students from my university were doing the same. I did not have a smooth experience with Chase because I had to block my card and get a new one 2-3 times because of unauthorized transactions ( one of them being over {$50.00} ). On XX/XX/XXXX, I received an email from the University ( XXXX ) about a XXXX XXXX XXXX in the XXXX department shared on behalf of Professor XXXX XXXX ( XXXX XXXX, Title : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I looked her up on the Internet to confirm and applied for the job since it was well-paid. I was accepted and asked to estimate the prices of office supplies like printers, staplers, etc., which came out to be {$2600.00}. The Professor asked me to directly pay this amount through XXXX to someone called XXXX. I thought I had to order these items from XXXX so they ( the Professor ) issued a check for the same amount for compensation. I thought it was a genuine check so I uploaded it to my Chase bank account. I returned the items to XXXX and asked the Professor to wait for the payment till I get my refund back. Thereafter, I made two payments of {$500.00} to XXXX because the bank limited the amount since this person was new in my payees ' list. The first payment went through but the second one did not. This is when I got suspicious and talked to my seniors. They said that it is a scam and that they did not receive this email at all. I immediately blocked this Professors email and number and went to the XXXX XXXX Chase Bank to complain on XX/XX/XXXX. A lady with dark hair gave me a number and asked me to call and complain. I talked to someone called XXXX and was able to file a claim for the second payment only because it did not go through. I was completely transparent about the whole scam on the call. The claim number was XXXX. XXXX also asked if I wanted to file a separate claim for the check amount that I had uploaded ( {$2600.00} ) to which I explicitly replied that since it is a fake check, I am not entitled to the amount and so, filing a claim for that doesnt make any sense. I got my {$500.00} back and thought that the issue would be resolved. I kept sufficient amount of money in my account so that the Bank could withdraw the check amount ( {$2600.00} ). I came back to XXXX for my XXXX XXXX and landed on XX/XX/XXXX. However, on XX/XX/XXXX, I received an email from XXXX that the access fund amount ( {$500.00} ) I had applied for earlier was returned to the University because my account was frozen. I opened my Chase mobile app and saw a notice for me saying that To protect against potential fraud, we restricted your account and may close it soon. It said act quickly ( call us at XXXX ) to better understand the restriction on your account- you may be able to provide information needed to keep it open. I called on the number and there was a lady who told me that the XXXX XXXX XXXX has asked Chase to close my account within 7-10 working days because of the fake check that I uploaded. She asked me to call XXXX XXXX XXXX and refuse to provide other information. I called XXXX XXXX XXXX and since it is an automated call, it first asked to enter my account number and I obviously do not have an account in XXXX XXXXXXXX XXXX so it was of no use. I decided to call Chase again to hopefully get a better person to speak to. Fortunately, I was connected with a person called XXXX who was extremely helpful in gathering evidence and claim numbers for me to talk to a Chase banker. The worst part was that I could even go to Chase physically because I am in XXXX right now and they decided to do all this during the summer break. As a last resort, I called XXXX XXXX XXXX, a Chase banker at the XXXX branch whom I had met in XX/XX/XXXX when I opened my account. She said she cant do anything because I am not physically present in front of her. First of all, I was completely transparent throughout the process even though I unknowingly fell trapped in such a huge scam where I even lost {$500.00}. This is a huge amount for an international student like me who is struggling to meet ends. Secondly, there isnt any awareness of such scams for international students like me. So, the XXXX and Banks popular with students must make us aware of these. Thirdly, I was prompt and honest at each step and so, the XXXX XXXX XXXX so-called back-end team should take this into account and should be open to communication with the bank and/or the customer rather than just abruptly shutting down the account even when the customer has intentionally kept a sufficient amount for the Bank to withdraw. Lastly, the Bank should at least grant an extension to me so that I can at least clear everything in person when I return in XXXX. This is because I have to pay monthly rent, electricity bill and I am also having a hard time getting my University stipends. I am very disappointed with how Chase has ruined things for me to say the least. I provided all the information to keep my account open in accordance with their notice on XX/XX/XXXX, that Ive mentioned above, act quickly ( call us at XXXX ) to better understand the restriction on your account- you may be able to provide information needed to keep it open.
Company Response:
State: NY
Zip: 14850
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On Tuesday XX/XX/23 at approximately XXXX XXXX I received a phone call from XXXX stating there was an attempt to make a wire transfer to a XXXX XXXX XXXX in Texas. I was asked if I had my card in my possession and I said yes. I was not asked for any other information about myself or my bank. I needed to leave to go to a drs appointment so I told caller I could not deal with this now. caller hung up but kept proceeding to call and I finally stated give me the information and I will handle this. I was given the routing number and account number. I again hung up and put phone on silence. Apparently phone kept ringing and ringing and I did not pick up. When I finally finished at the doctor I picked up and was again asked to go online to do this wire transfer reversal. I kept stalling and hanging up and then finally I told the person XXXX on the other end to stand by as I was going into the bank. They stayed on the line and once I was in the bank and told this person I was in the bank they hung up. I proceeded to file a claim with Chase bank and received a case # XXXX and a claim XXXX XXXX Chase now restricted my account. Upon returning home, I went online and noticed I received various emails from Chase but the one that puzzled me was the one at XXXX that said we have sent your wire transfer as you requested. ( which I never did ) Wednesday XX/XX/23 I received another call from XXXX again at XXXX XXXX and I said ok hold on let me let you speak with the police officer as I am at the police station ( which I was not really at ) and caller hung up. Now later in the day Chase bank called me and stated they are DENYING my claim because I literally made the wire transfer ( which I never did )
Company Response:
State: FL
Zip: 33437
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: ( XXXX of XX/XX/2023 ) Went to open a checking account with chase in person. When opening a checking account they informed me because my father was a veteran they would wave the fees ( balance charges, etc ) for the account. The lady then asked if I would like to open a Chase Credit Card as the fees for that would also be waived. I said I couldnt at this time but would open it online later. She informed me that should be fine and that I could call and have the fee removed if it didnt automatically apply. ( last week in XX/XX/2023 ) When I later opened the card I was charged a annual fee so I called Chase. I spoke with a customer service agent who told me I would need to talk to the Military service desk and they could remove the charge. The Military service desk told me this was only for XXXX XXXX and did not apply, but that customer service could remove the charge. Transferred back to Customer service and she told me only her manager could remove the charge. This supervisor then said they can not and will not remove the charge and will not do anything about the people lying but I should go the the branch in XXXX and they could remove the fee. The branch in XXXX said that they can not remove the fee and that customer service could do it... So basically I was on the phone for an hour about being lied to as a customer and they kept telling me it was someone elses job to remove it, yet every person I talked to told me they can not remove it. I just dont think its acceptable to lie about the terms and conditions for the card.
Company Response:
State: WI
Zip: 531XX
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A