Date Received: 2023-06-04
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Re : Complaint # XXXX - Reason given that Complaint XXXX was closed by CFPB due to prior or similar complaints filed. This result is inaccurate. Ive never filed a complaint with CFPB or CHASE BANK. Clarification and or action needed.
Company Response:
State: WA
Zip: 98102
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: To : JP Morgan CHASE & CFPB Chase justly, unlawfully closed bank account and they are not in compliance with the LAW 31 CFR 225.5 Is it the banks internal policy to record the borrowers collateral security promissory note with an actual cash value as a bank asset to offset a new credit liability? Is the bank to follow the Federal Reserve Board of Regulations, under the Federal Reserve Act, particularly section 13, pertaining to collateral securities in exchange for equal amounts of Federal Reserve Notes, that does not SSN NOTES ARE GOV OBLIGATIONS require a loan, from the export of such collateral securities into the Fed District? Is Chase making all disclosers available and knowledgeable to the public? 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption 31 U.S. Code 1557 - Authority for exemptions in appropriation laws Sincerely yours,
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I sent a XXXX payment via Chase bank and they deducted the amount from my checking account twice. I was not notified in any way by Chase that they had made a mistake. I only noticed a day later that the transaction had gone wrong. They have still not sent me any official notification or explanation of why they charged me twice.
Company Response:
State: NY
Zip: 10023
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Short description An unauthorized debit of {$12000.00} from my Chase bank account, on XX/XX/2023, through XXXX by a XXXX user. After filing a few claims and a couple of phone calls, I found that Chase is not willing to help in any way to recover the funds. All they claim that the transaction was consistent with my activities and therefore authorized. This is despite there was nothing consistent with this transaction as explained further and me claiming repeatedly that I never knew this person. They wont even make the small effort to file a claim with XXXX to recover the funds. Long story On XX/XX/2023 - when I reconciled my bank account - I noticed to my surprise, a debit of {$12000.00}, a theft. It happened on XX/XX/2023, and that's how it went. The person, XXXX -- -, with whom I have never had any interaction with nor with the email used for the crime, sent a XXXX request of {$12000.00} to my account. About 45 minutes later, it was approved. I found the details in 2 emails from XXXX, one for the request and the second for the approval. ( The reason why I haven't noticed those emails before, is because they are categorized in the other folder in XXXX rather than inbox which I don't check frequently. ) The first thing I did was to file a dispute with PP, an easy option with them online. To my surprise, they denied my claim with the excuse that the transaction is consistent with my PP activities, despite this being completely false. There is not a single thing that is consistent with the transaction. 1. I never sent more than XXXX, 2. never through a request, and 3XXXX never any activity with this recipient. One hope they did give me is that I should file a claim with my bank. If they receive a complaint from the bank, this is the highest form of dispute and then they will better look into it, so to speak. ( To make it clear, XXXX is worth a separate complaint on their own, which I did, but 2 wrongs don't make 1 right. ) Okay, so I went back to Chase and asked about the details of the case. I was told by the rep that they submitted a refund request to XXXX and were denied. Such a refund request was supposedly sent in at least twice, as I was on the phone with a higher manager and he supposedly sent in a request again ( BTW, they have all calls recorded and Im ready to testify on all this ). So next time I reached out to XXXX I asked about the bank request and why it was denied, to which she replied that PP never got any request or dispute from Chase! So I made a 3-way call looping in Chase ( a story in itself how I managed to do that when the main number had a wait time of like a half hour or 50 minutes, I dont remember exactly ). Anyway, the Chase rep first claimed again that PP denied, and when I surprised her with a PP rep on the line denying that, she changed the story! The Chase rep claimed that since I have an active PP account, its unnecessary for them to file a dispute with PP and that I need to resolve this with PP directly. When I cornered her why it matters if I use PP for other transactions, and how this proves that this particular transaction is authorized, she transferred me to the right department which ( not-surprisingly ) led me to the wrong department altogether and this is how the call ended. Conclusion : Chase keeps on denying the claim saying that it was indeed authorized, ( when I ask the rep if that means that Im lying, their reply : of course not, this is not what we say whatever ) and theyre not ready to do the small effort of filing a dispute with the merchant ( XXXX ), which is ridiculous. I have already used Chase for a couple of years, and they profited on me probably in the 5-figures, and all they did is waste my time with lies and twists!
Company Response:
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My Chase Ritz Carlton credit card offers a reimbursement of trusted traveler programs, and I was notified of this benefit when I received my card. It stated that XXXX XXXX, XXXX XXXX, or XXXX programs are all included in this benefit for a maximum of {$100.00} every 4 years. I used this card for XXXX XXXX which was posted on XX/XX/2023 for {$78.00}. On XX/XX/2023 I notified Chase via Secure Message that I would like to use this benefit and have the charge credited. On XX/XX/2023 I received a message from Chase stating that XXXX XXXX does count toward the credit and it would be applied within six to eight weeks of the charge. After about 10 weeks there was no credit posted and I contacted Chase several times over the next few weeks receiving conflicting info and am now being told that the credit will NOT be applied, that XXXX XXXX is the only program that counts. This goes against the terms I was presented when signing up for this card and the message I received XX/XX/XXXX. Chase needs to honor their agreement and credit the {$78.00} charge as part of this benefit or they can refund the annual fee paid for this card if they wish to violate the agreed-upon terms. I have been offered to use a separate travel credit for this purchase. That is an unacceptable resolution as I have already planned to utilize that credit for other purchases so this would still be costing me an additional {$78.00} that Chase should be covering separately with the trusted traveler program credit. If they wish to no longer have XXXX XXXX count toward the credit they must notify cardholders first of this change. My most recent communication with Chase via phone has resulted in no additional help. I keep getting transferred between departments over and over with each representative stating they can't do anything about this issue. Bottom line, on XX/XX/XXXX a representative from Chase confirmed that this charge would be credited as part of the trusted traveler program credit. Honor it.
Company Response:
State: MD
Zip: 211XX
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Chase in matter of account XXXX caused harm by violating Fair Debt Collection Practices and CFPB settlement agreement ( see below ) Chase Did : Subjected this consumers to collections activity for accounts that were inaccurate, in amounts that were charge-off amount differently reported to reporting agency. Sold certain accounts to debt buyers of those inaccuracies, and fees and or interest after charge-off not owed by the consumer, or otherwise noncollectable. Submitted records requested from the collection agent to verify, and communicate directly with consumer to protect rights afforded under FDCP 1006.38 1006.34 and 1006.22. The original creditor taking on role as debt collector not license to act as such by responding for the debt collection agency interferes with rights and ability to challenge response with itemization and " Validation of Debt '' Validation information under ( c ) ( vi ) ( vii ) ( viii ) ( 3 ) Information about consumer protections and ( 4 ) Consumer-response information for consumer to respond including ( i ) Dispute prompts, The action of Chase interfered with consumers ability under act to obtain timely validation from Debt collector not Creditor Chase, as under Act a ) ( 5 ) Validation period Chase sold and resold and confuse, failed to assure accurate reporting and amount of indebtedness because agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX all were whom Chase resold the debt repeatedly and violated the agreement entered into in matter of Federal Debt Collection Practices Act ( FDCPA or the Act ) for alleged violations of 1692 of the Act. Anderman v. JP Morgan Chase Bank, XXXX XXXX, ( XXXX XXXX. XXXX XXXX, XXXX ). XXXX XXXX mailed the XX/XX/XXXX collection letter without meeting the requirements where information was absent on the back even where in the letter it indicated it was " On reveres Side ''. The actions of Chase Bank to report to reporting agencies different amounts claimed owing then the communication with consumer constitute misleading, confusing, defraud and collect on inaccuracy ( s ) The XXXX for instance reflects {$4200.00} high balance reported XXXX XXXXowed, with credit limit of {$3900.00}, also last payment XX/XX/XXXX with charge -off date. The company Chase can not charge interest and fess after Charge-off sold debt, where Chase may already have 1099-C issuance relief, nonetheless the calculated amount for which Chase reported to Debt Collector ( s ) of {$4200.00} include interest and fees after charge-off. Chase also is in violation of : Chapter 358-C UNFAIR, DECEPTIVE OR UNREASONABLE COLLECTION PRACTICES Section 358-C:1 Lastly when Chase was noticed to close the account during COVID Chase error in the entered COVID relief agreement which consumer met the monthly agreement without exception. After six month Chase cancelled the relief yet continued it for another Chase account for which consumer pays {$88.00} without fail, being. Chase account XXXX
Company Response:
State: MI
Zip: 484XX
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Account was closed on XX/XX/23 with a remaining balance of {$340.00} part of this balance is my direct deposit from my job. They told me it was mailed out to me. Then I called a month later and they said they never said that and refuse to pay me my money.
Company Response:
State: CA
Zip: 90059
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: At the beginning of XXXX two separate bill payments were sent from my Chase XXXX account. The intended recipient was my XXXX XXXX XXXX checking account. The funds never arrived in the XXXX XXXX XXXX checking account and instead were sent to something called XXXX XXXX XXXXXXXX XXXX which may stand for XXXX XXXX XXXX. I have attempted to work with Chase claims as well as its online support and escalations department since. I have also worked extensively with XXXX XXXX XXXXXXXX as well. Chase insists that the funds were transferred per my instructions. But what I have found from XXXX XXXX XXXX is that the funds were not sent to them. Instead, they were sent to some other company that handles investments like XXXX XXXX. I need Chase to help track where my funds were sent and help me in retrieving the funds with whoever it was that received the transfer. I have asked for this repeatedly but they instead just take a claim and respond denying to take any action. They state the following : We found that the transaction ( XXXX ) was sent according to the recipient 's email/phone number and the instructions you provided. No adjustment will be made to your account at this time. Contact us if you would like to request the information we used for our research. I know that the funds were transferred incorrectly, and I need Chase to help in recovering the funds. Chase has tracking numbers that they should be able to use to identify the recipient and then help to work with them to refund the transfer to my XXXX account. Chase is the only XXXX who can do this, as I can not identify the receiving institution and even if I could, they would insist that Chase works with them directly as the sending bank. In addition to helping to recover my funds, I feel that it was too easy to send this money to the wrong recipient. Chase should have more comprehensive instructions in its bill pay system as well as a process for checking and rebounding funds sent to the wrong place. In this case, my XXXX XXXX XXXXXXXX account number was used in this transfer and once the system read that the number did not match the accounts in the destination, the system should have blocked the transaction.
Company Response:
State: CA
Zip: 94015
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX, I was alerted of three fraudulent charges -- all made in-person via XXXX XXXX to XXXX XXXX and XXXX XXXX. These charges eqauted to just over {$8000.00} in purchases made without the card owners ( myself and my husband ) knowledge or permission. Chase initially confirmed it was fraud with someone using XXXX XXXX to pay in-store in XXXX, XXXX. These transactions happened on XX/XX/XXXX and XX/XX/XXXX, at the same time that my husband and I, the authorized users on the card, were in XXXX XXXX and XXXX, respectively. During that time, my husband and I were making purchases in XXXX XXXX and XXXX with the card chip while these fraudulent charges occurred via XXXX XXXX. I was initially credited for these charges but was then rebilled as Chase deemed it was not fraud. Upon asking for clarification on why it was deemed not fraud, it was noted that they could see someone logging in/out of the Chase account on XX/XX/XXXX and they do not understand how someone could have our password to do this. Great question, neither do we which is why we immediately changed both our credit card and account login information upon this happening. I have proof through photo location ( and could obtain additional proof through cell phone records ) to show we were not in XXXX at the time these purchases were made and that these purchases were not authorized by us. Throughout this, Chase has been treating us like criminals, not customers. They have not been able to provide any rationale as to how this is not fraud and it is clear they have not taken the proper steps to review the charges. We have since reached out to XXXX XXXX to file our own claim and have also filed a police report.
Company Response:
State: CA
Zip: 90045
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/ my checking account information was stolen and used to withdraw several XXXX dollars from my account. I did not receive any notification indicating that suspicious activity was taking place and found over 20 pending electronic withdrawals with amounts ranging from XXXX to XXXX dollars. I made a police report describing the unauthorized withdrawals and then called chase bank 's fraud department to make a claim. I informed them of the unauthorized withdrawals and they stated that will be receiving a call from their fraud department within 24hrs of the initial claim. I never received that phone call. I called back asking when I would be receiving the temporary credit and when the investigation will be finished. I got several different answers over the next three to four phone calls that I had to make due to their lack of effort and interest in their customers. Over the exchanges on the phone, I had stated the urgency of this being handled in a timely manner due to my plan of moving cross country in less than two weeks before the fraud had taken place. I needed that money so that I could make my trip and start my new job on time. It could not have been more difficult to get a consistent answer from the multitude of Chase Bank employees. Ultimately I received a credit for the money that had been taken from my account however Chase had stated that it is a temporary credit and that a member of the fraud investigation department would be contacting me. I never received that phone call. However, they did decide, without any notice, to reverse the credited money and not honor the claim that I had made. I intend to close my account with Chase Bank and let everyone I personally know that they do not have the customer 's best interest in mind when it comes to matters of fraud.
Company Response:
State: IL
Zip: 60068
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A