Date Received: 2023-05-31
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I went through a debt consolidation company, not recommended. One of the accounts that I told was settled is still showing on my credit report. I contacted JPMorgan ( Chase ) and spoke to a few knowledgeable representatives. They told me that they saw my agreement, but it was voided because no payments were made per the agreement. I contacted " XXXX '', they sent me the endorsed checks that were sent to Chase on my behalf. The fact that the proof I need to send them can only be sent by FAX, and apparently everyone is sending documents by FAX, I can not get my information to them. I have been trying for a week now and can not get through. The fact that they are so behind the times and I can not get any documented proof that my account should have been settled is absolutely ridiculous. I can not believe that there is absolutely NO WAY to communicate through an email. Almost as if they know they were wrong and don't want me to get the information to them. I am trying to get a home equity loan and this is the only thing holding it up. I did send the docs through XXXX, in hopes something can be done. I am at a true loss and to say that this is frustrating is ridiculous. Please help ......
Company Response:
State: DE
Zip: 19901
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023 I applied and was approved for a Chase Wepay merchant account for my business to accept credit cards. I provided the with all the legitimate documents needed. I also ordered the credit card processing hardware. I used the service a several times by sending a link for my customers to pay XX/XX/XXXX for {$1500.00} ( Down payment for painting job ) XX/XX/XXXX for {$550.00} ( Garbage disposal installation ) XX/XX/XXXX {$3900.00} ( House painting project ) XX/XX/XXXX {$80.00} ( IT device installation ) XX/XX/XXXX {$2400.00} ( Bathroom remodel partial payment ) All of these transactions we complete via a link which allows my customers to pay through chase Wepay. After the transaction on {$2400.00} on XX/XX/XXXX I received an email on XX/XX/XXXX stating they closed my account " Because my account is susceptible to a high chargeback or dispute rate '' This account was opened for 90 days and all the transactions where legitimate transactions for the purpose of the business intended. Also all required documents when where provided prior to them approving the merchant account. Also I have not had any chargebacks or issues with this " new '' account. There was no reason for this account to be closed.
Company Response:
State: GA
Zip: 30324
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: I opened a merchant account ( payment Processing ) with Chase. Hoping that they would be honest. I collected {$1900.00} between XXXX transactions and they kept the XXXX. I called them 3 times and they told me they would return the money from XXXX to now. they still havent return the money. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX and to be out XXXX has caused my family alot of grief. I like chase because they have been a good bank to me but to hold on to my money for XXXX month is crazy. I went into the bank and they said another department handles this. Kindly return my money
Company Response:
State: FL
Zip: 33470
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Making another complaint because they refuse to work with me in any way and are now intentionally reporting false information to the credit bureaus, making it impossible for me to qualify for anything because they are reporting that I am making MONTHLY payments of {$5500.00}, which is completely false. Even it was was true it wouldn't make any sense financially and I wouldn't pay it anyway and I will not pay what is left. This will be my last attempt to settle the matter before I moved up to the DOJ and pursue further action. I was severing in the military from XX/XX/XXXX, until XX/XX/XXXX. Given that the vehicle was repossessed during this time of service without my written consent or court appearance " according to Chases own SCRA act statement '' this may be grounds for violation. I hope you will work with me on this. I am not making monthly payments of {$5000.00}, this is not accurate and has been false. I have tried to fix this, I have asked you to fix this, please work with me. I want to be done with this account and you guys.
Company Response:
State: MD
Zip: 219XX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XXXX my phone was taken and it appears it was able to be accessed and someone sent themselves around XXXX $ on XXXX. I disputed via XXXX app but could not get any success via their support. I tried to call chase bank and report this and get it reported as fraud but all the rep did was order me a new debit card from the returning correspondence I received from chase. I do not have a copy of my police report yet but have included a screenshot w the tracking number awaiting it to be filed. Also it appears there may be some flaws via the XXXX app that are not being addressed as a quick look into this it happened for others, but the XXXX app auto disables biometric settings on updates which leads to this.
Company Response:
State: IL
Zip: 60626
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/11 around XXXX XXXX I deposited {$480.00} dollars in cash at the lobby ATM at a Chase bank located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. The transaction went through however they couldnt read a couple of bills so I selected deposit more as I tried to deposit those bills I got an emergency phone call from my partner which led me to leave my credit card in the machine and leave right away. Unfortunately I did not take any pictures or received any receipts. The following day I get a call from the bank saying they shredded my card and when I checked my account there was no deposit made there. With a lot of calls they opened an investigation and credited my account but shortly after sent me a message saying they would take the credit back - no explanation, no checking of counting the ATM log, no checking of security footage. I wont let this go until I retrieve my money back.
Company Response:
State: PA
Zip: 19119
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XXXXXXXX I have conducted the payment in the amount of XXXX USD from my account with XXXXXXXX to account of XXXX XXXX opened with XXXX XXXXXXXX XXXX XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXXXXXX XXXX XXXX was designated under the Executive Order 14024. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to OFAC. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, OFAC may not locate the records of the blocked payment. On XXXXXXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXX XXXX asking them to clarify if the payment was blocked and reported to OFAC and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Over a decade ago, I was accused of " potentially '' running a business out of my home by JPMorgan Chase Bank. Even though my employer 's DIRECT DEPOSIT checks were going straight to the bank, I was asked to provide evidence that I was not running a potentially troubling business [ long story short ]. At that time, during the questioning I received at a branch, in person, the " red flag '' that was apparently setting off their system was that I had too much " money coming in '' and was also " spending too much money '' [ to the effect of ]. XXXX XXXX I pay my mortgage and bills [ which I provided full evidence for, although I shouldn't have had to, XXXX XXXX XXXXXXXX ]. Finally, they had [ supposedly ] cleared my account and allowed me to continue banking. However, they continued to choose that I was a " risk '' and flagged my account as " undesirable '' without explanation. Whenever I tried to get an explanation, I was told that they didn't need to tell me. I, luckily, had an insider who was willing to show me that this was the case. My account was flagged as that I was curious as to why my account closed and that I was to be told simply that Chase was " exercising its rights '' and didn't " need to provide an explanation. '' My attorney had said I may have a valid complaint, but that it may take many, many years to see it come to fruition. I licked my wounds and bowed out. Someone else didn't. A class action filed against Chase for shutting consumers down without explanation while first insinuating wrongdoing on the consumers ' part was successful. I decided that, given the fact that I have a completely clean record, I may try to get a credit card. I applied for an XXXX XXXX XXXX, was approved, given a credit limit and I was off. I also have an auto loan that I am currently and faithfully paying. However, this didn't stop Chase from closing my credit card account, once again, without any explanation other than " previous undesirable relationship. '' I'd really love to know what I did wrong and why they continue to discriminate against my having business with them when the only evidence they can provide to me is " we don't need to provide evidence '' as to why they mistreat consumers with good records.
Company Response:
State: TX
Zip: 75069
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have been waiting weeks on being refunded for bill payments to my chase card XXXX. I have called chase multiple times and was assured that this money was being refunded to the bill payment source. On my most recent call to Chase I was informed that the payment refund was delayed, and I was not given a timetable on how long it would take to receive the refunds. Below are the payments to card mentioned above and am including Chase acknowledgement reference numbers given by the billpayer. XX/XX/23, {$3900.00}, Chase XXXX : XXXX XX/XX/23, {$4400.00}, Chase XXXX : XXXX XX/XX/23, {$4400.00}, Chase XXXX : XXXX
Company Response:
State: KY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Dear Sir/Madam, I am writing to file a formal complaint against Chase Bank regarding a case of identity theft and the subsequent denial of my claim. I believe it is essential to bring this matter to your attention and request your assistance in resolving this issue. On approximately XX/XX/XXXX, I visited the Chase Bank XXXX XXXX to open a checking account. The representative who assisted me, XXXX, discovered that there were multiple checking and savings accounts opened under my name in XXXX and before. However, I have never had any prior checking or savings accounts with Chase Bank, and I have been a victim of identity theft in the past. The only account I have ever had with Chase is my Chase credit card which I opened as of XXXX. After acknowledging the fraudulent accounts, XXXX initiated an identity theft claim on my behalf. I provided all the necessary documentation, including an identity theft affidavit and a police report substantiating my claim. She warned me that claims are sometimes automatically denied without proper review, urging me not to lose hope and to continue fighting for resolution. To my dismay, on XX/XX/XXXX, I contacted the customer protection group and was informed that my claim had been denied. The representative I spoke to was unhelpful and provided no further information, stating that a letter would be sent to me. This prompted me to return to the Chase XXXX XXXX, seeking assistance from XXXX, who empathized with my situation and agreed that it was a clear case of identity theft. XXXX contacted the customer protection group on my behalf, explaining the circumstances and the fact that branches were closed during the alleged account openings. He emphasized the presence of the necessary documents, including the police report, and requested that the claim be reopened. Fortunately, the claim was reopened as a result. However, my recent call to the customer protection group on XX/XX/XXXX revealed that my claim had once again been denied as of XX/XX/XXXX. This time, I spoke to a discourteous woman who showed no empathy for my situation. After requesting to speak to a manager, I was transferred to XXXX XXXX who initially confirmed that the claim had been reopened. However, she later returned to the line and abruptly informed me that the back office had decided to deny my claim, without providing any reason for their decision. It is incredibly distressing to face such dismissal and lack of accountability for the severe consequences I am enduring due to the unauthorized opening of accounts in my name. My identity has been compromised, and I am left to bear the repercussions. Therefore, I kindly request your intervention and assistance in resolving this matter. Enclosed with this letter, please find a list of the fraudulent Chase accounts that were not opened by me : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I urge you to thoroughly investigate these accounts and advocate for a fair and just resolution. I appreciate your attention to this matter and look forward to a prompt response. I believe that with your intervention, we can rectify this situation and protect consumers from the devastating impacts of identity theft.
Company Response:
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A