Date Received: 2023-05-27
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I was reached out to via email regarding a job offer from a company by the name of XXXX XXXX XXXX. They were inquiring about me applying for a customer service representative position for the company. I followed the instructions given via email, and set up a XXXX XXXX account, and was told to reach out to a gentleman by the name of XXXX XXXX. We were in communication about the job from XX/XX/2023 through XX/XX/2023. On Monday of XX/XX/XXXX I was sent a check issued by XXXX XXXX for the amount of {$1200.00} which was meant to be used for all of the supplies that I would need for the job. I deposited the check online through my mobile banking app. The check said that it wasnt going to be processed until XX/XX/XXXX. XXXX had told me that the funds were to sent to the vendor so that, the vendor could then mail me the supplies. Since I communicated to him that the check was still processing, he had asked me if I had {$1200.00} so that I could send the money to the vendor. I did so because I was under the assumption that the check would be available in my account no later than XX/XX/XXXX, so my money would be reimbursed by the check that I had deposited. He gives me instructions to send money to a recipient by the name XXXX XXXX using the email provided ( XXXX ). And once I sent the money. Thats when communication started to shorten. I am afraid that my identity as well as my privacy may be threatened since he had also sent me a XXXX form to fill out. My address, social security as well as my email address were given out. I dont know what to do and I need help assuring me and my family are safe and that this doesnt happen to anyone else.
Company Response:
State: CA
Zip: 92336
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: Account opened as a result of fraud
Consumer Complaint: Chase bank allowed someone to open an account in my name. I tried numerous times to rectify this matter to no avail. Every time I am connected to the fraud department they connect me across seas to people where there is a distinct language barrier that are asking me enough information to steal my entire identity. After numerous times advising them I live in XXXX XXXX and there is not even a chase bank here I have to reach out to you guys for assistance. This ping came to my credit report where I have since put a lock on my social security number to prevent any further activity. The reason chase bank is allowed to be frauded so easily is because of how difficult they make it for the one being frauded to stop the fraudulent activity before it is escalated. Their fraud department is located across seas and not domestic. We are forced to stop fraud under our name by given out all of our information. Information that is not required to open an account to their bank. Such as social mothers maiden name addresses etc. I need this account closed because it is not mines and I need this inquiry removed from my credit report immediately.
Company Response:
State: VA
Zip: 23464
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: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I sent a check to pay off my car to Chase Finance and well it did not arrive on or around the time stated by the payoff date given over the phone. So I called and was able to pay off the car over the phone for XXXX on the XX/XX/2023. I asked about the check I sent and the customer support told me since the account would be closed by the time they receive my check they would just send that check back in the amount of XXXX this did not happen they cashed the check on XX/XX/2023 after the account was closed. I have called multiple times about this issue and they said the sent a check to me. I have sent them my bank stament showing I did not receive a check from them. every time I call they just say the same thing we will look into it. Chase XXXX Thank you for contacting us. We understand this can be frustrating and apologize for any inconvenience we caused. XXXX, we are reviewing your request that you sent to us and we have submitted it to the appropriate department for further review. I advised to check for the status of the initial check and have it resent if no further update is found. We appreciate you being a Chase customer. Thank you, XXXX Customer Service XXXX XXXX XXXX XXXX Original Message Follows :
Company Response:
State: AK
Zip: 997XX
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
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 a charge of {$350.00} was charged to my card. I was told by the merchant that this charge was a declined transaction, and was not processed. I have been disputing this since I saw it on my account, and asking for proof of signature or any receipt from the transaction. I have sent multiple documents to the company to get this removed. Neither the merchant nor the company have given me any proof of the debt, and this transaction was not made by me.Therefore, it needs to be removed immediately from my account.
Company Response:
State: CA
Zip: 95822
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXXXXXX XXXX XXXX XXXX ), Chase bank authorized a payment from XXXX with the amount of XXXX. I then disputed the charged through Chase because this charge was unknown to me. Chase sent a temporary provisional credit of the same amount a few days after. They sent this credit and started the claim on XX/XX/XXXX. Chase Bank then disputed the transaction and voided these tickets on my XXXX account. Im assuming that this bank contacted the merchant and was able to cancel the tickets. I thought everything was going right. Suddenly on XX/XX/XXXXXXXX Chase Bank reversed the claim and then took the {$490.00} credit which was supposed to go back to me but was taken away from me once again not from the merchant but from the bank. I am now at a loss with XXXX because they said the financial institution ( which is Chase in this case ) had disputed the transaction and now they have told me to contact Chase to get the money back. Also XXXX had said they sent me a refund on XX/XX/XXXX but was never sent anything, nothing on my bank statement states that there was any money refunded back to me. Please help.
Company Response:
State: CA
Zip: 94134
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I refinanced my CHASE mortgage, with CHASE, in XXXX XXXX, I was told numerous times, that I would get an interest refund each year. The pre-requisite was that I have the payment paid directly from my checking account and could not be paid by check. I have been doing this ever since. In XXXX XXXX due to the serious medical condition of my wife I had to do elder care planning which resulted in asset transfers, XXXX XXXX XXXX being established. I thought the mortgage payment had to be made through the LLC account so I had the payment drawn from my XXXX XXXX account. All I did was switch from one CHASE checking account to another. In XXXX XXXX I asked what happened to the {$350.00} I was supposed to get in XXXX. In a long phone call to the CHASE mortgage department, made by the CHASE branch where I bank, they told me I had signed a form stating I had to pay from the checking account I had at that time. When I asked for a copy of that form they admitted they had no such form. They, then, claimed I was told the payment had to be by ACH. That's not true. They wanted to make sure I understood the payment had to come from the account directly and not by check, so they told me so numerous times. They never said it had to be paid by ACH-specifically, I have paid, and continue to pay my mortgage DIRECTLY from my account and not by check, CHASE is unfairly and unjustly withholding my annual rebate. I am an XXXX XXXX XXXX person dealing with more stress than is healthy without this unfair aggravation. I hope you will help me.
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 i went to the Chase bank atm located in XXXX, pa at XXXX XXXX XXXX XXXX XXXX. Inside a shopping plaza to make a ATM cash deposit. I inserted {$800.00} into the machine and it started making a lot noises. Then told me to take my money but it was no way to grab the money because of how it had a hold of the money with clamps over it. So after a min the machine then just took the money. i go to this same atm often to make deposits but this time the ATM ended up taking my money without depositing anything into my account. No receipt came out and on the screen it told me to call a number to make sure my money got deposited. I called the number they were able to deposit the money within a couple of hours while they investigate. Today XX/XX/XXXX i got a reversal for {$430.00}. I called and they are saying after they investigated i only deposited {$360.00} which is not true at all. I indeed deposited {$800.00} i didnt even insert any {$1.00} bills at all. It was all {$50.00} bills and {$20.00} bills. Please i need help this is my hard earned money that they took.
Company Response:
State: PA
Zip: 19111
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I went into the bank to cash a check I receive monthly for a house I rent to someone. The person that wrote the check accidentally wrote the dollar amount on the " Payer '' line. I asked the branch manager if I should have them rewrite another check or if I should continue with the deposit. Manager advised me that I could deposit it but it might get flagged and rejected and they might send the check back to me. I said I wanted to deposit the check. I also asked if it would affect my account. He told me " No, it would just get rejected worst case scenario ''. He proceeded to deposit the check then said " Actually, don't tell anyone I said this, but you should deposit into the atm right here because it might not get flagged ''. He cancelled the endorsement and advised me to use atm. Now All my accounts are being closed because the bank relinquished their right to do business with me. NEVER DID THEY EVEN TRY TO CONTACT THE OWNER OF THE CHECK TO VERIFY IF IT WAS LEGIT. I contacted the writer and he said that he was shocked and no one tried to call him. Again, I've been receiving checks from him since XXXX and depositing them here. In addition, the bank has refused to give me my money. Now it is the end of the month and I'm going to be late and acquire late fees on all my properties and bills and I can't even pay my employees. The bank is stating it will take 10 business days to close the account and after that they mail a check. This is so unfair and I did nothing wrong. I don't understand why they did not verify the check and why their branch manager gave me bad advices.
Company Response:
State: AZ
Zip: 85048
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/23 I made a withdrawal from my account at Chase Bank in the amount of {$100.00}. However, immediately after I left an additional {$900.00} was taken from my account via an additional XXXX transactions, taking the account to very nearly {$0.00} or as close as the standard withdrawal amounts would allow. Upon discovery of the missing funds I immediately contacted XXXX and requested a new Debit/ATM card and that they investigate the theft. I was sent a new card and given a temporary credit for the amount stolen. A few days later I was sent XXXX letters from XXXX. XXXX saying the temporary amount had been added to my account and another saying they completed research on the fraud and found that " the transactions were processed according to the information you provided or was authorized. '' Ostensibly saying that I must have authorized the withdrawal because the information I provided was used. I suppose this means the withdrawal was made using my PIN number, but no evidence was given nor further explanation offered. I called XXXX again, upon receipt of these letters. Asking that they, again, review the theft. Sharing this time that 1 ) I unequivocally did not authorize the withdrawals and 2 ) believe my loss in cases of theft is covered by multiple pieces of legislation and at a minimum should be maxed at {$100.00} 3 ) that they would find if they checked the lobby cameras that someone else must have accessed my account through the same terminal or at a minimum that I was not the person who did 4 separate transactions at the same time. The representative said they would open a new investigation. XXXX weeks later, on XX/XX/XXXX I received XXXX letters from XXXX with the exact some information from the first investigation. One letter saying that I was given a temporary credit and another saying the temporary credit would be taken back because " the transactions were processed according to the information you provided or was authorized. '' I did not authorize these XXXX withdrawals and I can not afford to lose {$900.00} at this moment in my life. It is unacceptable that a massive, international financial institution can not protect its account holders in this minimal way.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have several hard inquiries on my credit report that I didn't authorize or have any knowledge of... XXXX XXXX XXXXXXXX credit card inquiry on XXXX JP Morgan Chase Bank credit card inquiry on XXXXXXXX XXXX XXXX credit card inquiry on XXXX XXXX XXXX XXXX XXXX XXXX credit card inquiry on XXXX
Company Response:
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A