Date Received: 2023-05-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XXXX XXXX. XX/XX/2023 XXXX. I received XXXX phone calls from Chase Bank XXXX XXXX ) and picked up the XXXX call. XXXX. A Chase representative told me that they were calling to verify a charge that was currently being made at a XXXX with my debit card ending in XXXX. I was working at home at the time of the call and confirmed that the debit card was still in my possession. I told the rep that the charge was not authorized. The rep said that to cancel and reissue my debit card, I had to provide my pin number to verify and confirm. I proceeded with providing my pin number. The rep confirmed that my card ending in XXXX is cancelled and that my new debit card would be expedited in the next XXXX business days. 2. XX/XX/2023 XXXX. I woke up at XXXX and checked my checking account. I saw XXXX ATM withdrawals on XX/XX/2023. Each withdrawal was {$100.00}, totaling to {$2100.00}. I did not make any of these ATM withdrawals. XXXX. I called Chase immediately at XXXX to file a claim. The following transpired : XXXX. Chase told me that the ATM withdrawals were made via a digital wallet. I confirmed that I have never put my debit card information in my XXXX XXXX. I also confirmed that the only time I provided my debit card pin was to the Chase representative on XX/XX/2023 in order to cancel and reissue my debit card. XXXX. Chase told me that my debit card ending in XXXX was still active and there is no record of a new debit card being reissued. I requested again for my debit card be cancelled and reissued. XXXX. Chase Fraud Protection provided more detail, saying that my debit card information was compromised and was loaded onto someones digital wallet for use. XXXX. Chase told me that this information was documented on their end and I would receive the results of my claim in XXXX calendar days. XXXX. XX/XX/2023 XXXX. I received an update of information about my claim from Chase. No adjustment will be made to my account at this time.
Company Response:
State: CA
Zip: 90004
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/XXXX, I opened a XXXX XXXX XXXX account at Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX branch in XXXXXXXX XXXX ) in response to a solicitation for a {$600.00} bonus. See copy of solicitation which lists all conditions. A {$300.00} bonus was to be paid if conditions were met for the checking account and another {$300.00} bonus was to be paid if conditions were met for the savings account. At the time of opening the accounts, a {$15000.00} check was present in order to meet the savings account conditions. See copy of account information provided after accounts were established and deposit slip for $ XXXX. After the requisite period of time and when all conditions were met, the {$300.00} checking account bonus was paid. No payment for the savings account bonus was paid. On XX/XX/XXXX, I visited the branch to make an inquiry as to why I didnt receive the {$300.00} saving bonus. It was then discovered that the XXXX, who set up the accounts, misdirected the $ XXXX to the checking account rather than to the XXXX account. A transfer was then made ( see bank XXXX XXXX XXXX slip attached ). I was told an inquiry would be made up the line about the {$300.00}. bonus and I would hear from the bank shortly. Having received no response from the bank, I again visited the branch to learn if any thing was done. A second inquiry went up the line. On XX/XX/XXXX another visit to the bank was made at which time I was told there still was no response or resolution. At this time it became obviously to me that no response was forth coming and I closed out both accounts.
Company Response:
State: NC
Zip: 27511
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Funds were not disbursed as promised. Chase notified me via phone call that my monies would be sent via check in the mail, since my account was mistakenly closed due to supposed fraud after I deposited a check from my employer XXXX which they later confirmed was legitimate, and in fact there was no fraud. A Chase customer representative apologized and promised my funds would be sent via check to my mailing address, yet to this day I have never received it. Chase Personal Checking Account was opened in XXXX. What really scares me is theres a huge online community of previous Chase account holders against Chase Bank. And thats not even the scary part yet. There seems to be an underlying theme that Chase Bank associates account holders with supposed fraud and closes their accounts, ultimately freezing their funds permanently not allowing the account holder access to their hard earned money. I just want my money back from this institution, and in return I will not open a lawsuit against them. They closed my account without notification, XXXX. I was in severe financial hardship. They took everything. Giving back my funds is the least they can do.
Company Response:
State: FL
Zip: 34746
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: The following as occurred with accounts at the following banks : JPMC, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX I have been able to obtain debit card authorizations from these banks as issuer through the stripe payment XXXX. Following level of authorizations in a day : JPMC : ~ $ XXXX, XXXX : $ XXXX, XXXX : $ XXXX, XXXX : $ XXXX, XXXX : several accounts totaling $ XXXX, XXXX XXXX : several accounts totaling $ XXXX, XXXX and XXXX $ XXXX in two accounts. Each on of these banks has told me my account has been closed except for XXXX XXXX and XXXX- they say XXXX : permanently locked and XXXX No refund granted. The banks say the accounts are closed but transactions still settle on the account which cant happen with a truly closed account? In fact, banks have returned items unpaid late ( after settlement ) to avoid paying out funds. There are only two reasonable explanations for these occurrences 1 ) the authorizations and settled transactions occurred in error and qualify for RegE treatment. But this bring admissions to significant concerns regarding my account status. If authorization happens in error demonstrates collective weakness of internal controls to the payments system. Simplest explanation is banks are misrepresenting my account status and withholding credits from closure.
Company Response:
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited my XXXX claim check for {$6900.00} on XX/XX/2023 and it gave me the available date of XX/XX/2023. XX/XX/2023 I received a notice saying that my check was accepted and no changes will be made to the deposit. XX/XX/2023 I discovered my card didnt work and my account was restricted called and asked why they said they need to verify. I thought the hold was to verify the check they are letting transactions take place but I cant access my money until they verify but the funds are already cleared. I never received a notice of why they had a hold and when I do call call, I got hung up on by supervisors etc. I just want to know how do you cash a check before verifying it and how are you the bank taking the money?
Company Response:
State: CA
Zip: 94590
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Date XX/XX/23 at XXXX I went to a local chase bank outside there a atm I go to the atm to deposit XXXX dollars which was XXXX XXXX XXXX dollars it took the money In printed out a receipt to call a number saying make sure your deposit was processed i then check my account it wasnt there I go into the bank told them what happened a rep said another customer it happened to I then say why wasnt it a notice on the atm they said it still works but only taking people deposit with processing it so the rep gets my information in does a claim in tells me its gone be 10 business days I said it wasnt 10 days when I deposited my funds I wanted my money now to pay my bills now Im late this is unacceptable in this bank is know for there atm taking customers money which I found out often this happened to me
Company Response:
State: AR
Zip: 722XX
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was alerted to an unauthorized inquiry for a loan by XXXX on XX/XX/2022. I contacted JPMorgan-Chase and XXXX XXXX the same day. I was informed a second loan application had been made and that both were obviously fraudulent. JPMorgan-Chase assumed me they would seek to removed the inquiries and I have written XXXX XXXX three times in the last six months disputing them. To date the remain in my report having caused a precipitous decline in my score.
Company Response:
State: MO
Zip: 63043
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My debit card was charged {$1600.00} on XX/XX/2023. I am currently banking with Chase as they are not helping that much to resolve the issue. They have denied my claim and when I called him to get iy reopen I was instructed to submit evidence that what I was claiming was true. My claim is that my phone and wallet got stolen. I did not authorize this charge for {$1600.00}. They are claiming that they denied it because I have charges that posted after the date that my card was stolen, as well as someone being someone having my card pin. I have been getting the runaround through many of their associates claiming they did not receive the documents. I had them fax twice from my personal bankers. I have XXXX. They were stating that they did not receive the fax or emails that we have sent and my bankers also stated that they have proof that they did receive the paperwork because they receive Successful submission emails from the company. They are telling me to go through the merchant, which is XXXX and XXXX has told me to go through the bank. Like I stated above, I feel as if I am getting the runaround, and I am not pleased. The paperwork they want to receive was to prove that I had to get a replacement phone and to show that the charges that were posted after my phone was stolen actually charge days before. I have submitted these documents and they are still denied my claim. They are saying I cant even go to a police to get a result. All I want is my money back. {$1600.00} is a lot of money to take a loss on and I am not pleased.
Company Response:
State: NC
Zip: 28278
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I went to redeem my reward points valued at {$1200.00} from Chase on a credit card ending in XXXX. I received the confirmation email, but the money never made it to my account. I called chase and they confirmed my account number and routing number were correct. They said the points should be corrected and in my account within 1-2 business days, but they still havent shown. Ive tried calling the bank multiple times and my calls wont go through.
Company Response:
State: TN
Zip: 370XX
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Chase sent me a letter dated XX/XX/XXXX that is an attempt to collect a debt. I called to verify that I was on a cease and desist list. I spoke with ID : XXXX and XXXX. XXXX confirmed that I was on a cease and desist list, but then asserted that they can still contact me. They attempted to transfer me to some random department to speak with someone. Speaking with anyone is clear violation of cease and desist. I am a victim of a crime and I'm receiving anonymous threats, Chase is harassing me and is not respecting my rights. They may be involved in criminal activity, and if they are it will be exposed during the trial.
Company Response:
State: CA
Zip: 950XX
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A