Date Received: 2023-05-18
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: I am writing to file a formal complaint against XXXX XXXX XXXX, a banker at Chase Bank located in XXXX, Illinois. The purpose of this complaint is to seek your assistance in rectifying the negligent actions of XXXX XXXX, which have resulted in severe financial hardship and inconvenience for me. On XX/XX/2023, I opened a Chase College Checking account at the aforementioned branch. I diligently provided all the required documents, including the SSA-89 form for verification of my Social Security Number ( SSN ). Regrettably, XXXX XXXX failed to upload this crucial document, leading to the suspension of my account on XX/XX/2023, due to alleged suspicious activity. In an attempt to rectify this issue, I made multiple calls to Chase Bank 's customer care. Unfortunately, each interaction with their representatives only compounded my frustration and aggravation. During my first call, the customer care representative had no knowledge of the situation. On the second call, I was transferred to another representative who promptly disconnected the call. The third call entailed an excruciating wait of over an hour, with no response from their end. Finally, during the fourth call, I was instructed to visit the branch in person to resolve the matter. As a XXXX at the University of XXXX at XXXX ( XXXX ), my time was already limited due to ongoing final examinations. Despite the inconvenience, I managed to visit the branch and resubmit the SSA-89 form as requested. Another banker at Chase Bank assured me that the form had been submitted but advised me to contact a specific number to confirm if the document had been uploaded for verification purposes. Subsequently, I contacted the provided number and was informed that the form had indeed been submitted. However, due to the bank 's internal processes, the account unlocking and verification process would require an additional two business days. This delay is causing significant distress as I was scheduled to leave the country on Tuesday XXXX XX/XX/2023, and I require immediate access to my funds but due to banks negligence and unable to unlock my account I had to extend my flight and had to borrow money from friend in order to extend my flight due to my funds being blocked I am unable to leave the country as I am in urgent need to my funds. Despite being assured that my account would be verified within two business days, specifically on Tuesday, XX/XX/2023, I regret to inform you that my account remains blocked. Upon further inquiry with the customer care department, I was informed that my initial request for verification had not been submitted. They have now told me that the request is being processed and an additional 48 hours will be required to unlock my account.The negligent actions of XXXX XXXX XXXX have resulted in severe consequences for me. As a XXXX with limited financial resources in a foreign country, I am facing undue hardship and distress due to the mishandling of my account by XXXX XXXX. Therefore, I kindly request that the consumer financial protection bureau thoroughly investigate this matter and take appropriate action against XXXX XXXX XXXX and Chase Bank to rectify the situation promptly. I am seeking immediate access to my blocked funds, compensation for the financial losses and Inconvenience and Emotional Distress I have faced. I would also need assurances that such negligence will not be repeated in the future. I would appreciate your prompt attention to this matter and an update on the progress of the investigation. You can reach me at the contact information provided above. Thank you for your assistance in resolving this issue and protecting the rights of consumers. customer care number of chase I am being contacting - XXXX XXXX XXXX
Company Response:
State: IL
Zip: 61820
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
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/XXXX I contacted Chase to dispute a charge. I paid the merchant on XX/XX/XXXX for a future service that would not take place until XX/XX/XXXX. At that time I realized that the merchant overcharged me. When I opened the dispute on XX/XX/XXXX the representative ( Im sure call was recorded ) was adamant that I only had 115 days to submit claim from the date of the charge. I submitted it in the advised time frame. Later on XX/XX/XXXX my claim was abruptly closed by Chase. On XX/XX/XXXX I was advised by the rep in the claims department that I only had 60days! Im now filing a complaint against Chase because I was misled by their representatives and its obvious that I was not told 60 days on XX/XX/XXXX or the representative would have never opened my claim at that time. As a result of Chase inconsistencies this has caused me to lose the opportunity of recovering the {$300.00} that I was overcharged. I have been a loyal Chase credit card holder since XX/XX/XXXX.
Company Response:
State: NY
Zip: 14221
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, several unauthorized ( fraudulent ) transactions occured from my debit card : CHASE ACCOUNT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card - {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} & {$1600.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XX/XX/XXXX - {$900.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$10.00} On XX/XX/XXXX : the following transactions WERE FRAUDULENT : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - {$1200.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$10.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$10.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$10.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$58.00} I filed a complaint with Chase and was told that they found these to be valid transactions. I filed complaints with XXXX and they closed the complaints and told me Chase was responsible. I did not authorize any of these transactions.
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: I have filed a fraud claim with Chase regarding several charges that the same company duplicated, and I was also told that I was not the first individual that this happened to from the United States. As soon as I got back from the XXXX XXXX, I went to the bank and canceled my card after I filed the dispute, and I will attach the proof of the same amount being taken out twice on the same day. Also, I am going to attach the evidence that I never traveled with XXXX XXXX, and yet they charged me {$52.00} for bags when the military does not pay for baggage, which is why we chose to travel instead with XXXX ; that is more transparent than any other airline in the industry. Now, chase had refunded four transactions and now they are saying that they will reverse it because the merchant has given them proof that the transaction are accurate. So, I told them I want to see, a copy of my passport, ID and my original signature on all 8 transactions that this merchant has charged me or I will hire an attorney to take action, it is not fair. Chase can see the discrepancies and yet they dont want to rotect their customer shame on you chase, I know that i am only a number to you, however my direct deposit from the VA still generates interest for your company.
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: Fraud wire transfer from our checking account to a fraud account. We did not do the wire XXXX : XXXX The wire is still pending and can be stopped and refunded by CHASE immediately. We disappointed to see a live wire fraud happening and the bank is unable to do anything
Company Response:
State: MO
Zip: 63304
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: my husband had 2 car loans with Chase Bank I have tried since XXXX XXXX to take legal financial responsibility in order to properly insure both vehicles and add my name to car registrations. I have emailed and faxed all supporting documentation to the bank. I have also reached out via phone and their response is that it is against their policy.
Company Response:
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Date XX/XX/2023 NAME XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX CREDITOR NAME JP Morgan, Chase auto finance CREDITOR XXXX XXXX XXXX XXXX. Credit Bureau Disputes XXXX, LA XXXX Dear CREDITOR I I received a copy of my credit report and I have found the following items listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I never gave you ( JP Morgan, Chase, auto finance, ) any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. ( JP Morgan, Chase auto finance ) has caused severe stress and anxiety due to the abusive and unfair practices. You ( JP Morgan, Chase auto finance. ) should be ashamed of yourself for assuming this role and position to constantly commit fraud and cause hard to consumers! These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. ACCOUNT NAME - Acct # Chase Auto ACCOUNT Number- Acct # XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. Best Regards, XXXX XXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Company Response:
State: IL
Zip: 60654
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Creating a new complaint in reference to COMPLAINT ID XXXX Chase has not provided clarity around the breech of my account and has certainly not provided a clear understandable response in regards to my concerns. I attempted to use my credit card and it was declined, upon being declined I contacted Chase and have gotten the run around multiple times in attempts to resolve the issue. I was advised the issue was resolved after my initial CFPB complaint which was false and I was able to resolve after that with additional calls and time. I continued to file complaints that were not addressed yet advised as addressed. How did Chase learn of my death and what actions were taken to verify this information? I'm sure my complaint was the reason that Chase learned of my resurrection. How did Chase validate my resurrection? I provided information that would have been on a death cert so I certainly hope that information is not what cleared the " investigation '' and that additional actions and research to verify the validity of my proof of life were done. I received notice from Chase that I was marked as deceased as seen in my attached documents. Although in writing saying they are. Sorry for the mistake. That's not heartfelt or a clear validation of the inconvenience to myself as the consumer. I would like to be advised of the airs found, how they were addressed and how they were effectively communicated to myself as the consumer. XXXX XXXX. I would like to receive advisement of what the resolution to my concerns were. I would like to know what actions were taken to address the errors that were found in chases internal investigation. More specifically, I want more information surrounding how they were notified of my death, how my death was verified, If I wasn't facked deceased, how was communication in regards to my account sent? Why my other accounts were not affected? I would like more information on how my resurrection was validated and confirmed to restore my account. I would like to know what Chases research found is impact to the customer for the issues I encountered.
Company Response:
State: AZ
Zip: 85379
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Chase bank closed all of my accounts and wont give me a reason why. my partner and i both were targeted by this closure. they said they chose to end their banking relationship with us. we are a XXXX couple and don't understand why case would do this because they won't give us any information. we already tried to go to the Office of Comptroller of the Currency, and they suggested we go to you. I would prefer this be handled by my attorney XXXX XXXX XXXX XXXX
Company Response:
State: OK
Zip: 73013
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have an account with XXXX. I am a customer in XXXX. Had no problem until last Thursday XXXX XXXX where out of nowhere they stopped me accessing my account! No call, no email nothing. This of course has left me with a lot of stress and problems. They have my money in that account and I have no other funds! I have called and sent lots of messages to be told on every occasion the same thing.to be patient and wait to be contacted! This is easier said than done when you are a XXXX lady with no access to any money to live off. They have also stopped my scheduled bills which has caused me problems with the companies concerned. I have begged and pleaded with this company to ask them to call me so what ever the issue is can be rectified.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A