Date Received: 2023-06-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: i deposited 12 checks in my account on XX/XX/ in total it was XXXX XXXX however 2 out of the 12 checks happened to be from a previous bank account of my employer and i deposited the checks not knowing they will bounce. in doing so all money in the account was put on hold and for some very odd reason when i called my bank they explained to me my employer who is a registered incorporation can not be verified and my money can not be released despite the business being easily found on public records my employer can not issue me new checks due to the fact that they have been deposited in my account and the bank refuses to give me any other option on how to resolve this. i understand i should have been more aware about the dates on the checks but this doesnt mean i should lose every dollar ive earned and legally i dont know how to go about this can someone please help me im begging for some solution i everyone i spoke to is giving me no help
Company Response:
State: NY
Zip: 11735
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I believe I have been the target of fraud. On XX/XX/XXXX, I noticed a pending account transfer of {$7.00} from XX/XX/XXXX XXXX XXXX to my Chase checking account. At XXXX XXXX ( on XX/XX/XXXX ), I called Chase Customer Service ( XXXX ) to alert them of the suspicious transfer because I have never conducted business with XXXX. Specifically, I have never made a purchase from XXXX, I do not have an account with XXXX, and I have not shared any of my Chase account information with " XXXX. '' ( However, when I was the victim of online debit card fraud on XX/XX/XXXX, someone made a purchase of {$200.00} from XXXX XXXX XXXX. This money was refunded to my checking account by " XXXX '' because I submitted a fraud claim with Chase. ) The Chase representative recommended that I contact XXXX directly to inquire about the transfer, and she did not classify the transfer as possible fraud. I was dissatisfied with this outcome and uncomfortable with her recommendation about contacting XXXX directly because again, I have never conducted business with XXXX. Therefore, I called Chase Customer Service again the next day ( XX/XX/XXXX at XXXX XXXX ) because I was still concerned. This time, the situation was escalated to the Chase fraud department and a case was opened ( claim number : XXXX ). Moreover, the Chase fraud agent recommended that I close my checking account by visiting a Chase branch and leave the {$7.00} in my account so that it could be available to be returned to XXXX. I followed this recommendation. Chase representative, XXXX XXXX, helped me submit a pend close request on my account ( on XX/XX/XXXX ). Currently, my account has {$7.00}. On XX/XX/XXXX, I received an online letter from Chase informing me that they found that the transaction ( s ) was processed according to the information you provided or was authorized and that No adjustment will be made to your account at this time. On XX/XX/XXXX ( at XXXX XXXX ) I was notified via email by Chase about this letter. So, on XX/XX/XXXX, I called the Chase Customer Claims Department ( XXXX ) at XXXX XXXX ( and again at XXXX XXXX because the call got disconnected ) to further inquire about the claim outcome and dispute it because I did not authorize the {$7.00} transfer. The Chase representative was unable to help me further with the claim. Therefore, on XX/XX/XXXX at XXXX XXXX, I called the CFPB ( XXXX ) for guidance on my situation. The CFPB representative listed my options of reporting XXXX to the Federal Trade Commission ( FTC ; reportfraud.ftc.gov ) and reporting Chase to the CFPB. I will follow these reporting options. My FTC report # : XXXX.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I hope this letter finds you well. I am writing to bring to your attention a concerning matter regarding my credit report. Upon reviewing my credit report, I have noticed an unauthorized hard inquiry that was recently pulled by JPMCB on XXXX XXXX I want to clarify that I have no knowledge of any transaction or business association with JPMCB, and therefore, I do not recognize the validity of this hard inquiry. As a result, this unauthorized inquiry is significantly impacting my credit score, which has been diligently maintained.
Company Response:
State: NY
Zip: 10016
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I hope this letter finds you well. I am writing to bring to your attention a concerning matter regarding my credit report. Upon reviewing my credit report, I have noticed an unauthorized hard inquiry that was recently pulled by JPMCB on XXXX XXXX. I want to clarify that I have no knowledge of any transaction or business association with JPMCB, and therefore, I do not recognize the validity of this hard inquiry. As a result, this unauthorized inquiry is significantly impacting my credit score, which has been diligently maintained.
Company Response:
State: NY
Zip: 10016
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I hope this letter finds you well. I am writing to bring to your attention a concerning matter regarding my credit report. Upon reviewing my credit report, I have noticed an unauthorized hard inquiry that was recently pulled by JPMCB on XXXX XXXX. I want to clarify that I have no knowledge of any transaction or business association with JPMCB, and therefore, I do not recognize the validity of this hard inquiry. As a result, this unauthorized inquiry is significantly impacting my credit score, which has been diligently maintained.
Company Response:
State: NY
Zip: 10016
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with non-monetary relief
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/XXXX, I contacted Chase customer service to increase the amount I could spend from {$5000.00} to {$6000.00}. I did this so I could pay my escrow account with my mortgage company. The Chase customer representatives had me explain this request to one person, but she transferred me to another representative and I had to explain to them the reason why I wanted to do this. After waiting so long just to talk to them, I told them to forget it and I hung up. When I tried to use my debit card on XXXX, it kept getting declined on my daily purchases. As I have the money in my Chase account to cover these charges, I had to call Chase to find out why I was getting declined. The representative at Chase told me that my debit card had been put on hold by the representative I had become frustrated with the night before. I was being punished for ending the call early. I was humiliated with my declines at the supermarket and at a clothing store today. I will also have to explain to my XXXX XXXX company that also had their automatic debit declined. All because Chase didnt like me ending my call early with them. They have treated me like a XXXX child and caused me shame and embarrassment.
Company Response:
State: TX
Zip: 78660
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: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 approximately XXXX XXXX I attempted to withdraw funds in the amount of {$1000.00} out of my Chase account from the Chase ATM located at XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX, Texas. These funds did not dispense from the ATM. These funds were debited from my account. ( See Attached Document # 1A. ) No receipt printed. Remaining at the ATM, I attempted two additional transactions using the same Chase debit card at XXXX XXXX and XXXX XXXX. Each transaction was denied due to reaching the withdrawal limit. These receipts printed. ( See Attached Document # 1B. ) I filed my initial verbal Regulation e claim with Chase Immediately when the {$1000.00} transaction was not disbursed by calling the claims department at XXXX. Claim number XXXX. I was informed a temporary credit would be available within 12 hours. I remained in front of the ATM not allowing any other customers to use the ATM for approximately 1 hour. I was assured by claims that it would not be possible for another customer to obtain my undisbursed funds. I then used a debit card issued from XXXX XXXX to attempt a transaction being concerned that someone could come after me, make a transaction, the door would open and that person would have access to my funds in the ATM machine. The XXXX XXXX debit card transaction in the amount of {$20.00} went through at XXXX XXXX, dispensing only the {$20.00}. No receipt printed. XXXX XXXX ATM XXXX is attached. ( See Attached Document 1C. ) Shortly after this time I left the ATM. On XX/XX/2023 I noted the temporary credit was not applied to my account. Several attempts were made by phone to contact the branch located at XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX, Texas. These calls were not answered. On XX/XX/2023 the promised temporary credit was not received. I again attempted several calls to the branch located at XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX, Texas as well as the Chase branch located at XXXX XXXX XXXX, XXXX, XXXX XXXX, Texas. The calls were not answered. I called claims and spoke to an agent by the name of XXXX. I was informed I would receive a temporary credit today and an investigation would be completed in 30-45 days. On XX/XX/2023 the again promised temporary credit was not received. I took off work and drove from XXXX to XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX, Texas ( approximately 60 miles round trip ) to speak to XXXX, the branch XXXX. The branch manager informed me a written claim should be filed to speed up the claims process. The branch manager along with another staff member, XXXX, assisted with the written claim. I completed the Disputed Transaction Questionnaire provided by Chase ( Copy Attached Document # 2 ) and provided to the branch manager. I received three letters from Chase. One dated XX/XX/2023 ( See attached Document # 3 ) and two letters dated XX/XX/2023. ( See attached Documents # 4 and # 5 ). The first letter informed me I have received a temporary credit. The second letter stated the research was completed and the transaction was not charged to my account ( Please refer to Document # 1 ). The third letter stated I authorized the transaction and the temporary credit of {$1000.00} will be removed from my account of XX/XX/2023. On XX/XX/2023, I received all three of the above letters. I called claims. I was told unfortunately the claim was not validated. I asked for a video to be reviewed as there would be evidence I did not take these funds from the ATM as the door did not open for me to receive the money. I was told claims could not view the video. I received an apology that further action could not be taken as this is a final decision. On XX/XX/2023 I traveled approximately 60 total miles to the Chase branch located at XXXX XXXX XXXX, XXXX, XXXX XXXX, Texas in hopes of speaking to the regional XXXX. I was informed there is not a regional XXXX at this location and spoke to XXXX XXXX, branch XXXX. She reviewed my account, the above information and documents. XXXX XXXX contacted claims and had the claim re-opened, Claim number XXXX. On XX/XX/2023 I received a call from XXXX XXXX. She explained a credit was deposited in my account this morning for {$1000.00}. She stated the claim was resolved, that by this time they could see the ATM was off by {$1000.00} and my money was returned. I was assured this was not a temporary credit and funds would not be again removed from my account. On XX/XX/2023 I went out of town to return on XX/XX/2023. On XX/XX/2023, I opened two letters from Chase, dated XX/XX/2023 ( See attached Document # 6 ) and another dated XX/XX/ ( See Document # 7 ) The first letter informed me I received a temporary credit of {$1000.00}. The second letter stated the research was completed, I authorized the transaction and the funds would be removed from my account on XX/XX/2023. On XX/XX/2023 I sent an e-mail to XXXX XXXX as she explained that was the best way to reach her due to the phones not always being answered at the branch. I received an automated response that she was out of the office until XX/XX/XXXX and to reach out to XXXX XXXX in her absence. ( See Attached Document XXXX. ) On XX/XX/2023 I forwarded the above e-mail to XXXX XXXX as well as XXXX XXXX, Chase Marketing Director in the XXXX area. I received a call from XXXX XXXX explaining she received the e-mail and has escalated the claim. I also received a call from XXXX XXXX, identifying himself as responding to the e-mail sent to XXXX XXXX in the XXXX area. He explained he would look into this claim and let me know something. He called later and explained the claim was actually denied because there was no discrepancy found in the ATM balance. XXXX XXXX explained the claim would continue to be escalated in the Chase banking system. IN SUMMARY : I did not receive the {$1000.00} I attempted to withdraw from Chase. Three Regulation e complaints were made. One verbally on XXXX, in writing on XXXX and again in person on XXXX. This matter has been unresolved for over 30 days from the initial complaint.
Company Response:
State: TX
Zip: 757XX
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have a Checking account with Chase. I've been receiving checks from XXXX XXXX of the XXXX due to an injury at work. On Friday XX/XX/XXXX, I deposited XXXX different checks with the same amount of {$1300.00} and cash in the amount of {$240.00}. On Monday XX/XX/XXXX. I noticed a hold on my entire account. I could not access any of my funds. I immediately gave Chase a call and they informed me that they couldn't verify the checks I had deposited. They insisted they need a registered phone number of the company to call and verify the checks even though the checks were cleared by Bank XXXX XXXX and the issuer. Chase put a restriction on my account, and I was not allowed to use any of my funds, not even the cash I had deposited nor my existing balance prior to the deposit made on XX/XX/XXXX. I explained I have bills to pay and asked if I could use my existing balance to pay my bills online. They denied my access and was told to wait for the checks to bounce back, so I could regain access. I have been trying to resolve this issue with them for the past XXXX weeks. I've called the XXXXnsurance Company to ask them about this and I was told this was the first time they heard about something like this. The Insurance company has given me several phone numbers for Chase to run in their system, Chase denied all of them, Chase refused to do any research on their own and continued telling me their system would not validate any number. Today XX/XX/XXXX, I noticed my checking account was zeroed out.
Company Response:
State: CA
Zip: 90813
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Does reported are incorrect, dates the credit card was opened and closed incorrect and balance incorrect. as well as status of the credit card.
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Other transaction problem
Subissue:
Consumer Complaint: XXXX XXXX is a newly formed, woman led, single owner handicraft business importing handmade decor items from XXXX to share in US market. We transferred payment to our vendor as below Inquiry Number : XXXX Submitted On Date : XX/XX/2023 Recipient Name : XXXX Amount : XXXX Currency XXXX The recipient bank has confirmed that they have not received the money and JP Morgan Chase is saying that their transaction is complete and they can not help anymore. The money was debited from my business account immediately and there is no trace of the money for last 3 months. I am a XXXX survivor and this is a huge sum of money which is causing a financial stress on me and my family. Any advise would be appreciated.
Company Response:
State: GA
Zip: 30022
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A