Date Received: 2023-05-15
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: Card account was supposed to be closed in XXXX by JP Morgan Chase, card was a prepaid employer card. Chase ended the relationship and refused to disclose why, refuse to explain why my account was closed and refused to open another. I am not in check systems nore have I ever been with this bank. It says that I am a current customer and I am not a customer and in their details it ask for my personal information and the lady asked if I have a mortgage " I said No ''. I called because it alerted me of such an account but yet when I call it's telling me something different.
Company Response:
State: OH
Zip: 44313
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I requested to have my CD Account that I opened 3 years ago with Chase Bank. Upon trying to close this account, chase said that because I can't go to an in person branch, because I live an hour and a half away from any, I would have to get a notarized letter of wanting to close the account. This was all on XX/XX/2023. The same day, I got a letter notarized and emailed it to the associate I was assigned. He never said anything or confirmed receiving it. On XX/XX/XXXX, I reached out to ensure he got it and he said he did and quote, " The account should close in 3 business days, after the account closure you should receive a cashiers check within 7-10 business days. '' By XX/XX/XXXX, I still had not recieved anything. No update, nothing. The associate reached back to me and said : " I spoke with my back office regarding the delay for closing your CD and having a cashiers check issued. The notarized letter you provided was valid and the request that I submitted was valid and received, but no actions have been performed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is responsible for closing accounts that can not be closed in a branch. I had my back office submit an Escalation Request regarding the delay for closing your CD, the Escalation team will contact me within 3-5 business days or sooner to help resolve the issue. I do apologize for the delay by the XXXX XXXX XXXX XXXX and I will keep you updated as I receive updates from the Escalation Team '' The escalation team reached out to me a few days later but was no help. It was a foreigner who did not know what he was doing and only called to tell me that it would take the escalation team 5-7 business days to " investigate ''. Well, about a week later, he calls me again to tell me that the problem is that I did not send a notarized letter to close the account. I did, and it was confirmed on XX/XX/XXXX. I told him this and he said that they would have to investigate it again, and it would be another 5-7 business days. That was XX/XX/XXXX. I reached out to the original associate working on the case to express my discontent with how this is being handled and asked to speak to a manager or supervisor and never got any response. It is now XX/XX/XXXX and I have not recieved any information or update, essentially being left in the dark about MY money for over a month now.
Company Response:
State: MO
Zip: 656XX
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I had a Chase United Explorer Card which we did not use. The card was set for XXXX-pay from a personaXXXX checking account. We had fraud on the checking account in XXXX XXXXXXXX and had to close the account and open a new account. I was charged an annual fee for the card I believe in XX/XX/XXXX. The Chase card was set for auto-pay from that account sometime in early XXXX. The auto-pay did not work. I got a notice from chase by lette XXXX XX/XX/XXXX that the card was past due. I first tried ot login into my Chase online account but was denied. I have not used that login in several years so I assumed it was simply no longer valid. I also searched for the card but can not find it so I have no physical card. I then tried to call Chase to resolve it, I believe on XX/XX/XXXX. I asked to close the account and have the annual fee waived because we do not use the card. I was told I would be transferred to someone who could help with that request. Instead fo being transferred I was cutoff. I then got a notice a couple weeks later that the accout had been reported as delinquent to the credit bureaus. i called again to get this resolved. I was told not to pay the card and that I would be transferred ot someone who would help me close the account and correct the delinquent accout report. That person also told me the card was on auto-pay from my checking account, which I thne understood why it had not been paid. I believe this call was on XX/XX/XXXX. I was told I would be transferred to the department who could help me. I was again cutoff in the transfer process. After that I paid the card balance and chaled it up to a lesson learned about Chase Bank, but this was reported negatively on my credit score so I have continued to try to get that fixed. So I then called Chase again on XX/XX/XXXX. The first person I talked to reviewed my account history and he told me he saw that I had tried to call two time before and he assured me this would be the last all I would need to make that they would get this fixed. He transferred me to another customer service department and stayed on the line for the transfer. The lady I spoke to in that department then told me she could not do anything that I needed to speak with the credit score department. She transferred me there. I was then told by them that they could not do anything unless I actually called and was told the card would be closed ( which was the case - or at least I was told I was being transferred to someone who would close the card for me ) by the customer service person. But she said she couldn't find a record of my prior calls. she said certain departments keep separate records fo calls that she can not see. So she offered to call the collections department to see if they had a record. I told her to do so. After a few minutes she got back on the phone and told me they did not have a record of any call. She also told me the first person I talked to could not have possibly seen my call records on the account. It frankly sounded bizarre and like I was just being transferred around from XXXX department to the next being told the next call would fix my problem and then as a final straw being told I had just smply not made the prior calls so there was nothing they would do. This has impacted my otherwise very strong credit score and seems like a ridiculous string of events. This is a card we do not use and the only charge on the account was Chase 's own annual fee. Chase has not closed the account on their own, but still sent me an email with the attached card statement as of XX/XX/XXXX. I do not have the full account number and can not login online. I think it ridiculous they can give me this runaround over their own annual fee.
Company Response:
State: PA
Zip: 17403
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: Problem with a company's investigation into an existing issue
Subissue: Problem with personal statement of dispute
Consumer Complaint: In regards to 1099C that Chase filed for the account XXXX, can you explain why a credit account that has been piling up balance over many years is reported as a single year cancelled debt. I believe this is wrong and it puts unnecessary burden on the taxpayer who then has to pay the cancelled debt in a single year.
Company Response:
State: MO
Zip: XXXXX
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: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Today XX/XX/23 I found out by trying to use my card and not receiving a letter or anything about my account being restricted for no reason. I am a widow and mother of XXXX my husband was all XXXX of my children father and their ssi was going to my chase account now because of chase my kids and i are on the verge of being homeless. I am trying not to get a lawyer and file arbitration or small claims i need my money this week because i can not be on the street with XXXX kids.
Company Response:
State: GA
Zip: 30312
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-14
Issue: Other transaction problem
Subissue:
Consumer Complaint: I made a wire transfer on the XXXX of XX/XX/2022 of {$17000.00} to JP MORGAN CHASE Bank account of XXXX XXXX XXXX XXXX XXXX. Chase bank has received the funds but the recipient has not received any funds yet. CHASE BANK is still holding the money without sending me a refund nor sending it to the intended recipient.
Company Response:
State: NY
Zip: 10455
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-14
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I got a letter in error according to Chase stating that I could participate in the " My Chase Plan '' for my Chase Ink Card giving me the ability to split up purchases over {$100.00} into a payment plan effective XX/XX/XXXX. Both of my computers are on the fritz so I found a great deal and bought a new PC only to find out that Chase sent the letter to Chase Ink members in error. I never received any documentation stating otherwise and now I have a large balance that I was going to pay in increments. This has rocked my confidence in Chase to the core. As a small business owner trying to make it this really hurt my bottom line and I would have made a different move if I were notified of this error by Chase. I checked my records and did not see a notification from Chase of this error. On XXXX, XX/XX/XXXX, when I called Chase asking Chase how to set up the " My Chase Plan, '' only to find out that it was canceled. I did request a copy of the letter showing that the plan was canceled. I was advised that Chase would request a copy of the letter and I may or may not receive it and that there was nothing else they could do. First of all, since Chase sent the initial letter out in error wouldn't there be a strong possibility that Chase erroneously never sent out a letter retracting the " My Chase Plan? '' I do not have the letter in my records. Furthermore, there would have never been a problem if Chase never sent out the erroneous letter in the first place. In addition, I worked at Chase for 11 years in PMI Research, Foreclosure, Bankruptcy, and Recruiting departments. I know that there should be no problem with getting the letter that was supposed to have been sent to me regarding the termination of the " My Chase Plan. '' I also know that all the calls are recorded and you and here the customer service representative state that the letter was sent in error. I would like for my confidence to be restored with Chase but with such a large blunder and Chase not trying to honor the " My Chase Plan '' that is attached to this e-mail I have to strongly consider changing financial institutions with all of my Chase accounts. My plan initially was to take {$3100.00} and divide it by 24 months for a payment of {$120.00} per month to make it more affordable and to pay it off sooner. Chase can offer me this plan, something comparable, or better to help restore my confidence and trust in Chase. I hate having to think that now I must second guess anything that I receive from Chase going forward. A complaint was filed on my behalf for my issue to be handled by the XXXX XXXX XXXX ( ERG ) with Chase on XX/XX/XXXX. I received a call from XXXX XXXX XXXX XXXX team that she was looking into my issue with Chase on XX/XX/XXXX. On XX/XX/XXXX, I got a call from XXXX with Chase 's ERG team staining that she had reached out to Chase Ink and that they could do nothing. I also never received any proof that a letter or any other correspondence was sent to me stating that the " My Chase Plan '' was canceled.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-14
Issue: Identity theft protection or other monitoring services
Subissue: Didn't receive services that were advertised
Consumer Complaint: Once I cancelled my expensive protection for identity thief and or people applying for loans iny name.. Chase Bank Letter for Credit Line XXXX XXXX. The letter stated I should contact XXXX credit. I have never done business and or applied or a credit line with Chase Bank. I feel this was done through XXXX credit because of my cancellation of membership!
Company Response:
State: TX
Zip: 763XX
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-14
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I had a massive Travel issue with XXXX which is currently going through a Chargeback Dispute with Chase. During this whole process to make a long story short XXXX absolutely screwed me and left me high and dry and took my money. My flight was canceled and moved to the next day. We were originally supposed to get to XXXX XXXX on XXXX and my flight wouldn't get me there till XXXX. To account for this I booked a non-refundable ticket for {$420.00} which ended up being the conversion rate from AUD. I filed this Claim with Chase and was told to go through XXXX, and that has been an absolute nightmare to deal with. I've never seen a backend company so inherently unorganized. They said I can send documents to XXXX and they would be attached to my case, this doesn't work they just don't check the email. Their document upload portal is terrible and I can't upload half of my documents. And the icing on the cake is just how incompetent they are. I've sent them multiple documents via email, their upload center, and verbally explained it no less than 5 times and they can't keep a record. I filed this claim on XXXX and my charges cleared on XXXX and it's been a nightmare. As explained above they can't process information, and at this point their last communication was on XXXX and they've ghosted me and won't talk to me. I understand this isn't directly against Chase but Chase provides the benefit and won't intervene. To top it all off I had a series of the rudest and most unhelpful reps today. The reps are so unhelpful they do cold transfers to random XXXX departments and they hang up on me when they just don't want to help. In specific I was told twice there is nothing that Chase can do and effectively to pound sand. Why should I even continue to do business with a company that seemingly makes up rules on a whim to benefit them?
Company Response:
State: TN
Zip: 37849
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX, I accepted a balance transfer offer from Chase XXXX and in exchange for paying a transfer fee, my transferred balance was to be interest free. What was not clear was that their rules require that you pay your entire balance in full ( both the regular balance and the balance you transferred ), otherwise they charge you interest on the average daily balance ( not to include the transferred amount ). For two months I have paid the entire statement balance, minus the amount I transferred. Both months I was charged interest that far exceeded what I would have paid had I just left the original balance on the prior credit card. This is a clear bait and switch. They entice you to transfer, in my case, {$3800.00} for 0 % interest, while burying in the small print that if your prior balance was {$8000.00} - and you paid that in full - that they would charge you interest ON THOSE FUNDS. I traded multiple messages with them and was told to read the fine print. Im utterly flabbergasted. What good is an interest free transfer option if they can turn around and charge you interest on the average daily balance of the account - even if you paid that balance IN FULL - before the due date?
Company Response:
State: OK
Zip: 730XX
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A