Date Received: 2023-05-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/23 I created an account with chase in order to deposit a portion of my settlement check of {$18000.00}. The next day XX/XX/23 I was able to withdrawal {$5000.00}. On XX/XX/23 I was told that my account was closed due to chase not being able to verify my check. My check has been cleared and technically cashed already. This is how I was able to withdraw {$5000.00}. On XX/XX/23 chase sent out a check after closing account, that got sent back to them. Now they refuse to release anything at all. For 4 months I've been going back and forth with my attorneys, chase, and issuer of check. The conclusion chase is the only one at fault and who holds the key to my funds. Chase refuses to release the money to me or back to the issuer because they " can not verify with the issuer of the check '', who happens to bank with chase. Chase refuses to call any numbers I forward them from the XXXX XXXX or the number printed right on the cashed check. They only verify through " their '' system. It been 4 months and I've been homeless for 2, due to the eviction I received stemming from this situation. This whole ordeal has taking a toll on my XXXX XXXX. Lastly, I can never open a chase account again.
Company Response:
State: CA
Zip: 94531
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Someone Knows My Social Security XXXX
Company Response:
State: TX
Zip: 75051
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Chase bank closed all 7 of my accts after I did a wire transfer left me stranded in another state and none of my ATM or credit cards would work. Ruinlned my spring break vacation no notification they where closing my accts closed them XX/XX/XXXX after I left the branch from doing a wire for $ XXXX I then drove from Ohio to Alabama no cards would work totally demoralizing me the mailed a letter 3 weeks later to tell me they where closing my accts when I went to branch they would not give me my money out of my acct said it wouod be mailed 7-10 buisness days blocking me from my own money no way to get my money then called police had me arrested for no reason lady by the name of XXXX manager over XXXX XXXX XXXX XXXX OH XXXX. Told police I was trespassing refuse to talk to me about anything took 3 weeks to have my money mailed to me far more than 7-10 buisness days also closed my business accts witch caused payroll and benifits problems. I have banked with chase for 32 yrs was considered a private client for keeping a high balance had 1 saving acct 2 checking accts 4 credit cards that where all 27plus years never late never bounced a check never had a problem till I wanted to wire larger amount to buy a truck out of my personal savings causing them to close every acct I had disrupting my buissness and personal life calling cops impoundment my truck and taking me to jail and could not get to my iwn money
Company Response:
State: OH
Zip: 45042
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I paid off collection and am being told that they wont report to credit until 45 days
Company Response:
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately JPMCB CARD Date of inquiry:XXXX/2022
Company Response:
State: AZ
Zip: 85255
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received my disability check # XXXX the amount of {$3200.00} due to getting injured at work. This is a business check which is drafted from XXXX XXXX Bank. I also have direct deposit from my employer every 2 weeks, with the next XXXX being XX/XX/XXXX. I made a mobile deposit into my Chase Bank checking account on XX/XX/XXXX. After reviewing my account on XX/XX/XXXX, Chase shows my funds would be available on XX/XX/XXXX. I have bills I need to pay, this is not a personal check. Why is it that Chase Bank is taking 2 weeks to clear a business check?
Company Response:
State: FL
Zip: 32955
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I had a legal name change in XXXX of XXXX. At that time I updated my Social Security Card, got an Amended Birth Certificate, updated the name on my driver 's license, updated my name on my Medicare card, changed the name on my checking accounts and all other financial accounts. All except for one. Chase bank is the ONLY bank that has thus far refused to update my information. I have tried sending them multiple faxes over the past 3 years with all of this information. I also tried giving the information in person at their closest branch office. I tried attaching the files to their secure message system while logged into the account. I tried mailing them the documents at my own expense. To this date, more than 3 years later, they continue to refuse to update the information on the account. This has had real world disastrous consequences for me. By continuing to report the old name while everyone else reports a new name it resulted in a credit report being fractured such that it appears as if two different people are using the same social security number. I learned of this in early XXXX when I was approved for a mortgage refinance that I needed when interest was low and income in the household was impacted by the pandemic. I was initially approved, but then a security flag denied me because my old name and new name appeared on separate credit reports with the same social security number. And I still can't get that fixed! Every time it seems to be fixed it breaks again because Chase bank continues to report the old information as if it is current! They are preventing me from having access to any new credit! The level of harm they are causing me is absolutely severe and all I've asked them to do is fix the error by updating the account information as required by law!
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: [ Your Name ] [ Your Address ] [ City, XXXX, ZIP ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : Complaint regarding identity theft and fraudulent auto loan account with JPMorgan Chase Bank ( JPMCB ) Dear Sir/Madam, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the identity theft account opened in my name, which has resulted in an unauthorized auto loan account with JPMorgan Chase Bank ( JPMCB ). This fraudulent account was reported by XXXX, XXXX, and XXXX on XX/XX/2022. Despite my numerous attempts to resolve this matter directly with JPMCB, they have failed to provide any assistance or support, aggravating my distress and posing potential harm to my financial well-being. The evidence I have gathered reveals that JPMCB has produced a copy of a contract allegedly associated with the fraudulent transaction. However, this contract is not signed by me and contains fabricated information. The existence of this fraudulent account has caused significant stress and concern, with the potential to severely impact my creditworthiness. Therefore, I urgently request the removal of the auto loan account with JPMCB from my credit report due to clear evidence of fraud and identity theft. Additionally, I request the removal of any associated inquiries or negative information stemming from this fraudulent transaction. It is crucial that my name and credit history are cleared of any detrimental effects caused by this fraudulent activity. Specifically, I implore XXXX, XXXX, and XXXX to expunge this account from my credit report, along with any inquiries or negative information linked to this fraudulent transaction. JPMCB has repeatedly failed to verify my identity, provide a valid contract of the purchase, furnish identification details used during the contract process, supply duly signed documents, or possess accurate information about me. Furthermore, they have improperly reported debt amounts, stating a balance of approximately {$12000.00}, while the actual amount owed is approximately {$9000.00}. Additionally, I request documentation of the sale, such as a 1099 form issued to the consumer. It is imperative that accurate and up-to-date credit reporting remarks are provided, addressing false addresses and identity theft concerns, and ceasing their active participation in fraudulent activities.
Company Response:
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a telephone call from ( XXXX ) XXXX -- XXXX reporting to be Chase Bank to collect a credit card debt in excess of {$9000.00}. I do not have this card.
Company Response:
State: OK
Zip: 73159
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Because I was vacationing outside the U.S. I sent money via bank bill pay to XXXXhree credit card companies in advance of receiving their bill. Two of the three were happy to receive money in advance of that money being due. CHASE however did not recognize that pre-payment as being toward the next statement I was to receive, and could not tell me how it was processed ( even though they did acknowledge receiving it. ). So in their accounting I did not pay that bill, which was less than what I sent them, and are charging me fees as past due. What kind of policy is that??? Money in advance doesnt work? I went through 2 Chase representatives and one supervisor to no avail. Please help a consumer who tried and did the right thing. Thank you, XXXX XXXX
Company Response:
State: CA
Zip: 95945
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A