Date Received: 2023-06-06
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I am complaining about Chase Bank. I have had a checking account at the bank ( and its predecessors ) for my small business for many years. There was any monthly fee on the account by any bank before or since Chase took over a few years ago. About a year ago, Chase changes the account to a different type of account, with no change in service or any other aspect of the account. But the big change was that now there is a monthly fee unless a minimum of {$2000.00} balance is maintained. There was apparently no grandfathering the existing account. All accounts-new, old or matured- pay this fee. We religiously maintained {$2000.00} balance and still got charged a fee every month. Monthly statements did not provide any calculation or justification for the fee. I complained to Bank regulators. Chase refunded a small amount without any explanation. After XXXX month, the fee started being charged again every month, even though the balance is over {$2000.00} at all time. This effected not only us but millions of other small, struggling businesses nationwide. By some estimates, Chase may have over XXXX XXXX small business customers. If the average fee is just {$10.00} per customer. That makes {$100.00} million being sucked by big, bad bank out of the nation 's small businesses without providing any value. All the money Chase spends on PR and do-good projects is just a small percentage of this ill-gotten windfall. Chase is no different than another big bad bank XXXX XXXX. Chase is just using a different technique to cheat the public. I feel Chase should refund all customers all such fees, and further stop charging this fee.
Company Response:
State: TX
Zip: 75075
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: Reporting - XXXX XXXX Im XXXX XXXX, I have recently moved to XXXX XXXX XXXX, XXXX, NC, XXXX I am receiving mails related to a loan/credit application with several banks/companies applied by XXXX XXXX on my home address XXXX XXXX XXXX, XXXX, NC, XXXX. Previous house owner also didnt know a person named XXXX XXXX . I am worried that this might be a financial fraud, can you please check at your end and tell me what actions need to be taken from my end. I prefer email communication as I can't remember each and every complaint Im making for this. Thanks, XXXX XXXX XXXX XXXX
Company Response:
State: NC
Zip: 28078
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX Chase close my account the balance in my account was {$770.00}. Call Chase to find out when the check for the remaining balance was going to be mailed out they told me it had already been mailed out and that should receive it within 7 days and nothing so I called again and they told me that the money for the remaining balance was suspended and that they did not know when I will receive those funds I got a statement stating that chased it a debit XXXX for the amount of {$770.00} so they have not yet to send me a check for that amount all I want is what belongs to me.
Company Response:
State: CA
Zip: 92801
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I am going through a contentious divorce and left the marital home on XX/XX/23. During my marriage I paid the XXXX bill which was in my ex-husband 's name via auto pay. This bill was usually {$300.00} per month. Since I was leaving and would need my own XXXX, I called XXXX on XX/XX/23 and deactivated the auto pay. Since the account was in my husband 's name I had to contact him and get a code. He was reluctant and I knew I would have an issue. I contacted Chase and informed them that I was going to do XXXX XXXX XXXX for my new account which would be {$220.00} per month and I was worried that my ex-husband would try to use my account so I asked for a Stop Payment to be put on my account for XXXX for any amount over {$300.00} and I asked if my auto pay would be affected due to the Stop Payment as they said no. On or about XX/XX/XXXX, I noticed that there were several attempts on my Chase account for {$300.00} not at any time did Chase contact me which they had my cell phone to text or call. I told them what I believed happened and asked why the Stop Payment was put through when clearly I was trying to avoid just what happened. Chase informed me that it looked like I did this and I told them it was fraud and I did not authorize this payment. Chase said they would investigate and returned the money to my account. I called XXXX and they informed me that it was not auto-pay but a payment was made. I called Chase back and informed them of the conversation I had with XXXX. At no time did Chase tell me the claim was not resolved or that I would still be liable. In addition, Chase did not inform me that XXXX XXXX is not a guarantee otherwise why would I get a stop payment for a year. My attorney contacted my husband 's attorney to inform them of the matter ( see attached ). He admitted that it was done by mistake which I don't believe. However today, XX/XX/XXXX after not hearing from Chase and informing my attorney that the money was returned, I receive a letter from Chase informing me that they are going to take the money out of my new account ( yes, after what happened, I closed that account and went through of the trouble of opening a new checking account ). Chase informed me that there is nothing they can do and I am hereby filing a UDAAP Complaint as I feel Chase was deceptive and unfair in their practices especially by not being clear on the stop payment and delaying their response that they needed more information to close the claim. Now I have to go back to the lawyer and try to dispute this. If Chase doesn't allow the payment of the {$300.00} amount which clearly, they see is a different account, XXXX will go after the account holder which is what they did and the account was reopened. By submitting this payment Chase will overpay his account and I will never see that money again which is unfair as Chase did not protect me. Chase is not listening to my circumstances, and I have been a long time loyal customer. I specifically submitted a stop payment against XXXX in an amount {$300.00} or over as I knew what my ex would try and explained that. Chase was not transparent by informing me a Stop Payment does nothing or I would have taken further action by filing a police report and saved myself the stress and {$30.00} for nothing. See letter from my attorney to my ex-husband 's attorney in the second paragraph he states it was a mistake. He wanted me to pay it and submitted it knowingly. Whatever I owe will be addressed in the divorce settlement and is not for my ex-husband or Chase to take into their own hands. The court will decide this.
Company Response:
State: NJ
Zip: 07666
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I've applied and was approved for the " XXXX XXXX XXXX '' Visa credit card from Chase Bank around XXXX. There haven't been any delinquent payments nor any suspicious activity on my account since its inception. I received a letter from Chase 's Card Services in XXXX, DE notifying me that " after careful consideration, we decided to close your credit card account on XX/XX/2023 because of your association with a Chase credit card, deposit or investment account that was previously closed. '' To my knowledge, I haven't had any previous cards nor any investment accounts. I've called customer service to inquire, and the first individual was completely rude and offered XXXX assistance in the matter nor would she inform me as to what " policy '' I might've infringed upon. Even after her rude, condescending remarks, and tone, I asked to be transferred to customer services to report her and how unsatisfactory her assistance was and she proclaimed that she wouldn't and hung up.
Company Response:
State: NJ
Zip: 07105
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have been disputing fraud on this credit card account with JP Morgan Chase Bank. They have repeatedly ignored my requests and will not answer my questions. They have been silent on the issue. They have now charged off the balance and it is now negatively affecting my credit scores on all agencies.
Company Response:
State: NM
Zip: 870XX
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: I am XXXX XXXX XX/XX/2023 I was to close on a proper but unfortunately was scammed into wiring part of my down payment to a fraudulant account. the account holders name is XXXX XXXX who posed as the title company fed me the wrong wring information. thankfully I was able to contact chase bank and they were able to free the fraud account in time. but current problem is that two major banks can't seem to communicate on how to return my money. I bank with XXXX and I've ask them to do a recall on the money and they claim that they did, but the receiving bank which is chase bank claims that they have not received a recall request from XXXX its been been about three months and it has to be discrimination at this point because I've spoken to chase bank and the have confirmed the they have the money but they are not communicating with my bank XXXX on how to return the money
Company Response:
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Simply Its Against the federal bureau to put curtain Credit history on my report to make my score low.I Need Action Immediately so I can move on with my life.
Company Response:
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: I received a phone call from a scammer on XX/XX/2023, whose caller ID came up as being Chase customer service. The phone number that came up on the screen also matched the XXXX number for Chases customer support line. I picked up the phone and the man on the phone informed me he was a customer service representative who was reporting fraudulent activity to me. A week or so prior I had an incident of actual fraudulent activity on my account so I thought that the man on the phone was calling me in regards to further attempts from that same incident. The man on the phone said he would help me set up a new account for me to which I could transfer the money into as to avoid further fraudulent activity. He read back to me the last 4 digits of both my checking and savings accounts which made me think he was an actual representative. I ended up transferring the {$4000.00} I had in my account to this supposed new account which had my name on it at the time of the wire transfer. It wasnt until after the call that I was able to see the wire transfer statement which showed that the account had been given my name as the account nickname and I had actually transferred my money to a man named XXXX XXXX. I called Chase back later that same day to report this activity and I was told that a report would be filed and the proper actions needed to retrieve my money would be taken. I called back some days later to check on the status only to find that the representative I spoke to did not file the report correctly and they would have to get my information again. After over a month of me calling to check in with them and even scheduling a meeting with a banker in person, I was finally told over the phone by a account services representative that no one at Chase could help me get my money back.
Company Response:
State: CA
Zip: 92083
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
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/2023, I purchased XXXX tickets for {$770.00} on XXXX using my Chase credit card visa ending in XXXX. I immediately became suspicious of the website and believed this was a fraudulent website I tried to cancel my purchase immediately by calling the website numerous times at XXXX and was repeatedly unable to get a live representative on the line. This just made me even more concerned and worried so I texted via the website 's group chat support to communicate my desire to cancel the purchase immediately. When I could not get any feedback from the website I decided to call Chase and reported this as fraud. Chase immediately changed out my credit card and I received a new visa ending in XXXX. The following day, on XX/XX/2023, XXXX emailed me a credit refund for the full amount of {$770.00}. See attached. On XX/XX/2023, I noticed that the charge of {$770.00} was placed back on my Chase credit card statement ending in XXXX. I called the Chase credit card customer service to dispute the charge and was placed on hold for over 3 hours. I actually called Chase using two different phones, both times I was placed on hold for several hours. Finally I was able to speak with a Chase customer service representative, At this point I was very agitated due to the wait time. Chase customer service representative ( CCSR ) told me that I had to pay the vendor even though I received the full credit refund. I told the CCSR that made no sense to me if I received a full credit refund. The CCSR could see the credit however he insisted by saying I owed Chase {$770.00} and he insisted that I pay the line item on the credit card statement that reads : XXXX. However I do NOT have any tickets. This conversation created more frustration for me because even though I was able to get a refund with the ticket agency website on XX/XX/XXXX why now on XX/XX/2023 was the charge reappearing on my statement for tickets that I do not have. I would like Chase to pull this charge off my credit card statement as it was a full refund.
Company Response:
State: MA
Zip: 025XX
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A