Date Received: 2023-05-18
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XX/XX/23 I sent Chase Card Services a message stating that I should have received 5x the points for charges to one of my cards. Per Chase 's promotion, restaurant charges are worth 5x the charges vs the normal 2x the charges during the promotional period of XX/XX/23 to XX/XX/23. I received a message on XX/XX/23 asking me to produce the receipts because Chase said the charges were for a hotel vs a restaurant. Hotel charges are credited 2x the points vs 5x the points for restaurants. On XX/XX/23 I sent Chase the receipts they requested confirming the charges were for a restaurant. On XX/XX/23 @ XXXX XXXX Chase replied to my initial inquiry regarding this matter and stated I had reached the maximum spend of {$1500.00} for the promotion. In the meantime I had already sent another inquiry at XXXX XXXX on XX/XX/23 regarding approximately {$1500.00} in restaurant charges on XX/XX/23, wherein I did not receive 5x the points. I don't recall that Chase informed me there was a {$1500.00} limit during the promotion period. In addition, why did Chase inform me after I spent another {$1500.00} on my card that earns less points. I could have used another Chase card on both sets of charges and earned XXXX more points.
Company Response:
State: CA
Zip: 92646
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX, my wife, a 12 year chase customer, gave me, a 4 year chase customer, a check for {$7000.00} towards down payment on a purchase. I deposited the check via the mobile app. I later found out Chase flagged this check down as fraud, but did not notify either me or my wife. The check showed to clear in my account via the app, and my account showed XXXX $ total. On XX/XX/2023, I went to the chase atm to withdraw {$300.00} but was denied as it said my account was locked. I went into a branch and the manager told me my account is on hold as chase had flagged the check from my wife as fraud. I explained that it was a check from My wife and asked what we can do. After an hour and half of phone calls between the manager, chases fraud department, and me. The manager told me my wife has to call in and thats the only way to do it. I told my wife this, who tried several Times to call the fraud department and clear the check, only to be told that she can not and that the fraud department has to call her instead. We called together to find out what to do next, we were told that the only way to clear up this alleged fraud is to have the fraud department call the check issuer ( my wife ) and have her authenticate it, but they can not call her because her phone number can not be verified by their verification service ( XXXX ). Despite my wifes phone number to be a XXXX account in her name that she has had for over 20 years. Furthermore, the rep told us that if this doesnt get resolved within the next 10 days, they will close my account, send me a check for the balance, but the {$7000.00} from the check in question will be sent to the treasure department as fraud! We ended up going to a local branch. Several hours later the manager scanned both mine and my wifes drivers licenses and debit cards and sent them to the fraud department as proof that we are both there and saying this check is legit. Then Told us they have to send this to a back office which has to clear the hold, and it will take 45 minutes. We went back home, and I returned to the branch an hour later. My account was still on hold. I went back to the manager XXXX XXXX, the only helpful person at chase ), who told me that despite him sending them our drivers licenses and debit card as proof, the check was still denied as fraud and they still cant verify her phone number to call her. I never felt so hopeless in my life, I honestly thought the money was gone. I told XXXX the manager I was not leaving until something was resolved and we spent the next 2 hours making 25 phone calls to regional managers, directors, eventually they cleared the check, I immediately withdrew all my money and went to XXXX. I ended up spending a from XXXX until XXXX XXXX dealing with this and feeling completely powerless to do anything about it. The most horrible banking experience of my Life.
Company Response:
State: CA
Zip: 92647
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I had a Chase business complete checking account with Chase that was closed last year by Chase. The account number was XXXX. Prior to this account closure money was fraudulently taken out of this account and sent via ACH. On XX/XX/XXXX an ACH in the amount of {$35000.00} was sent to XXXX XXXX XXXX to their Chase account number XXXX. The Transaction ID is XXXX. This was a fraudulent transaction that i did not authorize. I discovered this missing money when another separate identity theft occurred against me in XX/XX/XXXX. This money was pulled from another bank account of mine into the Chase business account by someone and then sent to a scam company called XXXX partners. I filed an identity theft report with the FTC and they informed me to contact Chase Bank immediately to help recover my money since it was sent through Chase ACH fraudulently. Upon contacting Chase bank they refused to help me in any way. This money was fraudulently taken out of my account into another account with Chase bank. I have been the victim of multiple identity thefts which all began with this. Chase is more than capable of helping me recover this money but is unwilling to do so.
Company Response:
State: TN
Zip: 37363
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: First Republic Bank has closed my two business accounts and one personal account because I deposited a business check from a new client that ultimately were not valid. This check was over $ XXXX. First Republic cleared the first check and issued full funds to my account. As a business owner and standard banking individual who has been banking with this same bank for MANY years, when funds are cleared in full by your bank we move forward with daily business practices. After the deposit to the account, I left to go on a business trip out of the country and FRB proceeded to freeze my accounts, lock me out of all of my banking cards and zero access to any of my accounts. FRB proceeded to hold all of my funds in all three accounts. I received another check while traveling from the same customer and I asked my private banker at FRB, if they want it deposited and they said yes. When I returned back home I found out that these checks were fraudulent. First Republic Bank pulled back all my funds from the other accounts and left my one business account negative over {$12000.00}. I gave the bank all of the supporting docs for this transaction and said I have a business wire coming in and this will take care of the negative balance. At the end of XXXX, the bank closed all of my accounts and I was unaware of this. However, as I promised, I had a business transaction with {$75000.00} wire being sent in from XXXX XXXX. With clear and precise communication with FRB, that this is a business transaction and I even gave FRB advanced notice so if they did NOT want to receive the wire they could have stopped it. Instead they said yes and thanked me accepted the wire. I shared the wire receipt with my FRB banker. Upon FRB receiving the wire, they have continued to hold these funds in my account for over 4 months now. I have been forced to get an attorney and the banks legal department and fraud department have NOT issued any documentation as to any reason other than they " FEEL '' that there is suspicious activity even though the have contacted XXXX XXXX directly to verify funds and that they are intended for XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I have also shared all contracts and communication with the my attorney and the bank directly. FRB has sense closed the account and will NOT issue a cashiers check to me and the bank has now been bailed out by JPMorgan Chase. I continue to receive a statement of balance in the account each month of {$62000.00} mailed to me each month. I received a letter from JPMorgan Chase stating that my deposited funds are secured by FDIC. I went to the bank to receive a cashiers check and the banker was informed that I had to still work with legal. I have had a very lengthy call with FRB Senior Fraud Investigator, XXXX XXXX, XXXX, XXXX, to simply get more information as they have since reported me to SARS, but they can NOT give my attorney any information or supporting documents as to their findings nor will they release funds. I have expressed to the bank and my attorney, that I have now been Evicted from my own property, I can't pay bills and my business is now at idle because of this reporting and investigation that has resulted in ZERO findings of fraud or any other form of illegal activity. My attorney has reviewed EVERYTHING and has zero idea what is wrong and can not find any supporting evidence that would lead to the bank holding the funds. My attorney is XXXX XXXX, XXXX, XXXX. FRB has continued to make contact with other transactional attorney 's, banks and other parties involved in my business transactions that do not even involve the bank nor this {$75000.00}. I have even requested that since FRB closed my accounts and they will NOT issue me a cashiers check for the balance of the {$62000.00} in my account, please return the funds back to Verum who originally sent the wire to me. FRB has denied that too. FRB continues to contact via email or calling additional parties and banks involved in my development contract that has NOTHING to do with FRB, and these communications are now creating false concerns and acquisitions, Defamation of Character and all but destroying my business, my family, the roof over my head and I am now being faced with homelessness and forcing to shut down my business. I need these funds to either be sent back to XXXX XXXX or issue these funds to my company, XXXX XXXX XXXX XXXXXXXX, XXXX via Cashiers Check so I can move forward in my investments and development and regain control of my life and my families security.
Company Response:
State: CA
Zip: 94518
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My bank Chase Bank issued an debit card not requested by me because I have my debit card with me and I use it often to withdraw cash overseas. When I looked at my online bank statement on XX/XX/2023 and XX/XX/2023, I found that there are fradulent charges over XXXX on my debit card made in businesses in New York state. I called Chase immediately to report the charges and file a complaint to get refund on the charges. That's why I found out that Chase has issued an debit card to someone other than me. Chase rejected my complaint and refued to refund me the stolen money from my checking accounts. Employees at Chase have not been helpful and refused to give us any information when and how the debit card was requested. I am sad regarding how a big bank handled my complaint and taken advantage of us weak customers. I hope that cfpb will help me find justice and have the bank return my living savings to us. In addition, I have filed compalint with the FTC and New York Attorny General Consumer Frauds Bureau. Below is the list of fraudulent charges with date, business name and amount. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hello I XXXX XXXXXXXX XXXX at work on XX/XX/XXXX I have been home. I received a Check from XXXX XXXXXXXX XXXX XXXX on XXXX In the amount of {$1000.00} I received on XXXX XX/XX/XXXX I deposited through the online XXXX service because my XXXX XXXX XXXX and I ca n't drive. I still did not see my money posted on XXXX XX/XX/XXXX so I started contacting the bank they did not tell me until XXXX XX/XX/XXXX they've had a restriction on my account and hold on the check stating they believe it to be fraudulent. I Took the information I needed, I had the check in my hand I have my XXXX card, I had my driver 's license, I had the lady from XXXX XXXX XXXX on the phone at the bank and they told me after they verified everything with her that the check was good and they were going to release it to me. Once I hung up the phone with XXXX from XXXX XXXX, five minutes later the branch manager came back and told me that the banker on Chase end said No now he needs to speak to XXXX XXXX to get the bank check cleared. So I left with hopes she was gon na figure it out by next business day. I called the company back, Chase Bank, and I talked to the gentleman he told me that he talked to XXXX XXXX and the check was clear the money was there as so did XXXX tell me the check cleared on XX/XX/XXXX the money was there. The gentleman told me he was going to send a form to the back and he was going to have them release my money or give them a request he said it would be done yesterday, if not by XXXX.. nothing. So I called this morning I want to know why they didn't release it like they said they were going to for the second time he calls to the back his name was XXXX he calls to the back he talks to someone he comes back XXXX minutes later and tells me they're not going to do anything with it they still believe it to be fraudulent even after everything I've been in their office I was front and center had the check in my hand I had all the information they needed in my hand and they're still going to hold it until the XXXX I've been sitting here with my XXXX XXXX since XX/XX/XXXX I've had no income coming in. I have been waiting on my XXXX XXXX XXXX check and now this Bank wants to hold my money I have bills that are being returned that I can not pay and there's nothing they said they can do. I don't believe that. I have given them all the information needed, they have spoke with XXXX XXXX, they have spoke with XXXX XXXX XXXX, they have had my ID my check the letter all in hand and they still refuse to give me my money or release it. I'm also going to file with the XXXX XXXX XXXX I'm also going to contact me a lawyer at this point. I have been trying to think of all the ways to try to think the best in people and that you think that the people that handle your finances like that would help you in your time of need and do what they need to do to do everything they can to get your money which is what I did. I have provided them with all the information and they still refuse to help me or release my check. I don't know where else to go with this but here 's my complaint and I'm going to take it further I'm going to go to the newspaper because I've heard Chase Bank does this to people I'm going to get me a lawyer and I will just let him deal with it. Hopefully if I put it out there about this bank people will stop using it cuz as soon as I have told people that I have this account everyone told me I made a mistake and I don't mean just one person I mean everybody I spoke to said they've had the same problem with this Bank I don't understand why something hasn't been done about it before thank you.
Company Response:
State: TX
Zip: 765XX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2022, we wired {$30000.00} to XXXX XXXX XXXX for the purchase of a boat ; however, we never received the boat. Our transfer was made at our bank, XXXX in XXXX, IL, to JP Morgan Chase in XXXX XXXX, NV. We contacted both of these banks ten days after the transfer once we realized the boat was not going to be delivered, to see if the wire transfer could be reversed. However, both of the banks did nothing.
Company Response:
State: IL
Zip: 61265
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I originally opened my account in XXXX but kept same account when I moved to AZ. I have two checking and one savings account at Chase. I recently sold my home and buying a condo requiring cash. I received an ACH transfer from my title company using the same routing number as on my checks. No problem, that transfer went thru smoothly. However my brokerage also sent an ACH on XX/XX/XXXX and I/we keep getting the runaround from Chase ACH support services. Ive called every day. First they told me on Tuesday that they found the payment and would post by XXXX. No! So called again on Wednesday, no record of transfer! Called again today on a 3-way call and were told because the amount was over {$100000.00} it would not be released until XX/XX/XXXX following investigation! Please help, we are only reaching XXXX support who then texts someone else for guidance. They said there is no XXXX contact for Chase ACH accounts.
Company Response:
State: AZ
Zip: 86326
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: In the beginning of XXXX I opened a business account but it was closed a few days later. On XX/XX/XXXX a check was mailed but I never received it. On XX/XX/XXXX I called to see where the check was I was told it was lost and another would b sent out and it would be expedited. On XX/XX/XXXX I called chase because I didnt receive a check I was told they had to investigate and make sure I didnt cash it and that they had to make sure it was lost. XX/XX/XXXX I called chase because I didnt receive my check the issue wasnt solved they hung up on me. XX/XX/XXXX I called about the missing check and I got 0 results. The check is worth {$2000.00} will I receive my money back?
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have been a customer with " CHASE BANK, For 15 years. I have three Credit cards. One was opened in XXXX, the other was opened XXXX, and also a Business Card for 3years. However, I have never been late for a payment. To date I have aXXXX-Credit score. I always paid more than the minimal amount requested. I even paid off my balance in full. Every time for 15 years straight that I have applied for a Credit increase, for all three ( 3 ) accounts I was denied for erroneous reasons, that does not match my profile. When I call in to speak to an Agent to get clarity, I'm Told : ( you will receive a letter detailing the reseasons ). I'm strongly starting to feel discriminated against because of my ethnicity. As a consumer this is a matter that needs to be brought to light.
Company Response:
State: PA
Zip: 19082
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A