Date Received: 2023-05-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: the problem started on XX/XX/XXXX when i got a text about a loan offer. i was looking for a loan at the time so i text back they end up callingf me.this person got my banking username and password started making claim reversalsd on my account asks me to transfer the money to his XXXX account the amount was {$980.00} and another transaction of {$500.00} also to XXXX account all this done on apruil XXXX and XXXX. the person kept calling my XXXXXXXX making claims thebn XXXX would call me back and wouyld say that i needed to wire him the money to his XXXX XXXX accounts in order for me to get the loan so i transferred the money from my XXXX account to XXXX XXXX accounts he asked me to send it to i have all the text messages the screenshots all the screenshots of the XXXX XXXX accoiunts how much i sent. a total of {$2000.00} i sent to bthe XXXX XXXX accounts from my checking account that does not include the total amkount i sent to the XXXX XXXX. i contacted my bank on XX/XX/XXXX to report the fraud. the bank kept making reversals after the XXXX of XXXX i counted a total of around XXXX claimas made iun 2 days. i dont see how the bank didnr realize something wrong never put up a red flag never sent me no notification abo8ut these transactions or claims that were being made and now im being charged fore all this
Company Response:
State: CA
Zip: 90241
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint regarding a series of issues I have encountered with my Chase Bank account and a deposited check. I would like to bring to your attention the following concerns : I deposited a check into my Chase account on XX/XX/23. After a few days, the Chase app displayed that the check was on hold. I suspected an issue with the uploaded image, I attempted to deposit the check again. The app then indicated that the check would be deposited on XX/XX/23. To my surprise, on XX/XX/23, I received a letter from Chase informing me that my account was restricted and potentially facing closure. Following their instructions, I contacted Chase customer service on the same day, seeking assistance to lift the account restriction. I was advised to call again after the check was released on XX/XX/23 to discuss canceling the restriction. When the check was released, I contacted Chase customer service multiple times. They informed me that my account was restricted because the payee field was left blank and there was a memo with my name. Additionally, they requested a phone number for check verification. In good faith, I provided two phone numbers associated with the check 's owner. However, Chase claimed these numbers were not registered and could not be used for verification purposes. Frustrated by the lack of progress, I visited a local Chase Bank branch with the check owner. The bank staff suggested contacting XXXX XXXX XXXX ( XXXX ) to cancel the check. Unfortunately, our attempts to cancel the check through XXXX were unsuccessful as it had already been transferred. To my dismay, on the night of XX/XX/23, I discovered that my bank account number was no longer displayed in the Chase app. Subsequently, on XX/XX/23, I contacted customer service seeking clarification. They informed me that my account was pending closure and assured me that they would assist in verifying the check with XXXX the following day. When I called again on XX/XX/23, I was informed that XXXX closed already today, leaving the verification process unresolved. I was advised to call Chase once more. During my latest call on XX/XX/23, the customer service representative reiterated their request for a valid phone number. Despite my repeated inquiries, and contact with the supervisor they did not provide any alternative methods for verification. Furthermore, when I asked about obtaining the registered phone number they mentioned, the representative admitted that they were unaware of any solution. I had a chance to cancel this check before the check was deposited, but customer service ask me to resolve this issue after the check was released. but Chase can't help me resolve this issue after the check was released. I have made extensive efforts to resolve these issues by contacting Chase customer service, visiting a branch in person, and following the recommended steps with XXXX. Unfortunately, no satisfactory resolution has been achieved, and I continue to face uncertainties regarding the deposited check. I kindly request your intervention in this matter and your assistance in ensuring that Chase Bank addresses these concerns promptly and provides a fair resolution. Resolving the complications surrounding the deposited check are of utmost importance to me. Thank you for your attention to this complaint. Sincerely,
Company Response:
State: CA
Zip: 94550
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/XXXX I opened a small business checking account at the XXXX IL XXXX reacting to the email offer sent to me by Chase Business on XX/XX/XXXX. The offer features a {$750.00} bonus with the deposit of {$30000.00} or more into the account. I opened the account at the branch assisted by XXXX XXXX. When I provided the offer bonus code sent to me ( XXXX ) XXXX XXXX accepted it stating there is a temporary error processing the order but that he will take care of it. I asked him if he needed to receive the original email with the offer he indicated he didn't need it and that the code only is fine but I sent it to him anyway. Either way he did not provide me with the offer receipt but he stated that it will be processed shortly. Several hours later XXXX XXXX contacted me by phone stating that the bonus offer will not be processed after all and the reason for it is that I have had a prior business relationship with the bank precluding me from receiving it. I took this issue up with the branch manager who then referred me to the market manager XXXX XXXX for resolution. XXXX XXXX said he will reach out to the marketing dept that produced the offer and he will try to reach out on the resolution. On FRI XXXX XXXX called me back and announced that the offer will not be extended to me since according to their records last time I obtained the bonus on XX/XX/XXXX within the 24 months exclusion period. Here are the issues : 1 ) Why is Chase business sending me offers which automatically preclude me from receiving them? 2 ) Why is the banker at the branch accepts my application including scanning for previous offers in my 3 existing profiles kept by the bank to at the end announced on the phone that the offer is not available? I have been doing business with XXXX XXXX XXXX that then morphed into Chase since the XXXX and to be frank I really do not appreciated to be treated in such deceptive way. In a process I also fund out that my funds at the bank despite being drafted on the local bank are held way in advance of the regular hold that indicated ( on the receipt ) the funds availability on XX/XX/XXXX. The phone disclosure stated that the funds will become available on XX/XX/XXXX.
Company Response:
State: IL
Zip: 60073
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
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/2022 I used my credit card to make a deposit for handy work for my house for {$1000.00} on my Chase Marriott Reward Card. I received a fraud alert from Chase Marriott that they did not process the charge. I was instructed to have the vendor resubmit the charge if it was not fraud. Although they instructed me to resubmit the charge, the charge went through three times. I immediately called them to reverse the two charges, which they did on the same day. After Chase did their investigation, they claimed that two of the charges were legitimate and posted back the second charge. The summary is that I was charged three times for {$1000.00} and they only credited {$1000.00}. Therefore I have been over charged by {$1000.00}. The vendor used XXXX and claims that they never received the second or third payment. They rebilled the {$1000.00} on XXXX XXXX. I called Chase to complain, and they instructed me to appeal. On XX/XX/XXXX I faxed them a letter documenting what occurred. On XX/XX/XXXX I received a letter from Chase stating my charge was valid. They ignored all the documentation I sent them in regard to the triple charge, only one reversal. I called them and they instructed me to appeal. On XX/XX/XXXX, I faxed them a second letter to open the dispute. I carefully documented what happened and gave them a copy of their fraud alert which started the whole over charging. On XX/XX/XXXX, I received a letter stating that the charge of {$1000.00} was valid. I just don't understand if you see three charges on the same day for the same amount and you dispute two of them, why they would not reverse two charges. I am looking for relief here as {$1000.00} is not an insignificant amount of money and I am a victim here.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
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: I opened a dispute for an item I purchased from Amazon, returned, and was never credited for. Chase card services requested a copy of the drop off receipt, which I provided that included the reference number for the return code provided to me by Amazon. Chase informed me they were cancelling the dispute due to the weight of the item on the receipt not matching the weight of the item returned and advised me to return to the XXXX store where I completed the return. I immediately went to the store, and was advised by the store manager that PER Amazon 's Terms and Conditions they are not required to weigh returns and she confirmed that I did in fact drop off the item, and her team member confirmed that my return code matched the receipt in hand and that was my proof of return. Chase informed me I had to resubmit all of this information for them to reconsider the disupute. I have submitted this information twice and Chase is not responding to this dispute.
Company Response:
State: OH
Zip: 439XX
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Received letter in mail from Chase on XX/XX/2023 stating that I need to confirm for a credit card application that I never applied for. Someone had used my name, birthday, address, and social security number to apply for a credit card. Chase flagged it as suspicious and sent the letter in the mail. I was able to call and inform them it was fraud and that denied and cancelled the application right away.
Company Response:
State: PA
Zip: 164XX
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I placed an online order with my third party XXXX on XXXX and I had to cancel the order. However, I paid my 1st installment with XXXX of {$16.00}. With me canceling my order XXXX did in fact refund me my {$16.00} to my debit card on file on XXXX. However, Chase debited my account for the {$16.00} on XXXX. Chase is saying that they gave me the credit back for {$16.00} but according to my available balance on that date, they have not given me the money back. I have looked online and saw that Chase have NOT given me my funds back. I have also contacted Chases Customer Service Department and they are telling me that they gave me the funds back. This is not true.
Company Response:
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX You are in direct violation of the Fair Credit Bureau Act. Account Name Chase ( JMCB ) Account Number Last Four XXXX 15 U.S.C 1681 section 602 A. Clearly state that I have the right to privacy. 15 U.S.C 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B a creditor may not a payment on a credit card plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under the Fair Credit Bureau Act.
Company Response:
State: TX
Zip: 79904
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I have applied for the loan from XXXX in XXXX and it's proceeded on XX/XX/2023. I have not received the fund to my Chase bank account. I confirmed that my information : account number and routing number are all correct. XXXX XXXX XXXX XXXX XXXX XXXX as sender. They should have sent XXXX $ to my chase bank account. I contacted to My bank, but they can't do anything since they do not see any transaction. I opened case to XXXX. XXXX requested to XXXX XXXX about the transaction. XXXX XXXX replied them that JPMorgan Chase confirmed the transaction has received with no return. However, Chase does not see any action happened to my account. I asked XXXX to provide proof of payment, however they are rejecting it, and just provided trace id. I contacted again to Chase bank with this trace id, no luck. Amount I'll receive {$43000.00} Sender : XXXX with XXXX XXXX XXXX date : XX/XX/2023 Receiver : JP Morgan Chase Effective Date : XX/XX/2023 Trace id : XXXX XXXX, XXXX XXXX, Chase are not helping to locate my fund.
Company Response:
State: TX
Zip: 77498
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a paid U.S. Postal Money order. Which clearly states at the bottom that it is a negotiable instrument which I bought and paid for the rights to negotiate it. A money order was made with the proper clauses and provision based on banking law in the amount of {$9000.00} in accordance with HJR-192 Public Law 72-10, U.C.C 3-603 ( b ), U.C.C. 3-311 and public law for negotiable instruments to Chase Sapphire Reserve XXXX XX/XX/2023. They accepted and cashed my instrument, but did not credit my account correctly. I did call on XX/XX/2023 and spoke with XXXX a customer care team member and then her supervisor XXXX XXXX and they refused to stand in honor of the law by applying the proper payment. Even with the agreeing that they do accept legal tender, which is what I provided. Even with the ability for the instrument to remain negotiable which is an even greater benefit for them. I am filing a complaint and asking for an immediate investigation to rectify the situation without XXXX so they may remain in honor. As it stands they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.
Company Response:
State: FL
Zip: 33032
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A