Date Received: 2023-05-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 there was an unauthorized wire transfer of {$14000.00} out of my checking account. It was sent to XXXX XXXX XXXX out of North Dakota. On XX/XX/XXXX, I noticed not only that wire transfer, but XXXX transfer from my savings account to my checking account. XXXX for {$6500.00}, and another for {$7500.00}. And yet another wife transfer of {$14000.00} being processed. I called Chase immediately they instructed me on how to attempt to stop the wire. They opened up a secondary checking and savings account and moved the little remaining balances I had. So now, in 2 days I have a total of {$28000.00} missing out of my accounts. Chase told me theyd attempt to reach the receiving bank to have the wire transfers reversed. They then told me to wait XXXX business days. On XX/XX/XXXX I received a notice that they concluded that I benefited from the transfer, or I authorized it. I clearly did not do either. There is no mention of trying to reach the receiving bank and being unsuccessful. This leads me to believe there was in fact no attempt made. In addition, they charged me {$25.00} per wire transaction. My account is set up for fraud alerts, I received no phone calls or text messages when this was happening. The activity on my account was clearly out of the norm and should have been flagged. Im a XXXX veteran, and Ive worked very hard for my money and now its just gone. I hope whoever reads this, acknowledges that there needs to be better protections in place for consumers. I have attached the account transactions that show the wire transfer numbers. XXXX of the transactions states reversal of unauthorized wire transfer. I have also enclosed the person and banking info the wire went to.
Company Response:
State: MI
Zip: 48036
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Attempted to purchase airline tickets in the evening, wake in the morning to a notice of declination based on a fraud alert. Responded to the text that it was not fraud, immediately booked the tickets again, however were {$20.00} more per ticket based on a fare change. This {$80.00} should be paid by Chase as their fraud department had flagged a legitimate charge. Significant history of purchasing family airline tickets in the past, no reason this should have been flagged. The mistake of credit card company cost me money.
Company Response:
State: FL
Zip: 32233
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: check made out to a company in XXXX XXXX IL. on XX/XX/2022 Check was stolen out of customers mailbox. Check made out for {$30000.00}. Check was cashed in XXXX XXXX on XXXX XXXX. Made a police report contacted my bank and the bank in Mississippi and I am told that the check was cashed legally.
Company Response:
State: IL
Zip: 60035
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2023 I had {$3200.00} on my XXXX ( XXXX XXXX ) I went to transfer it to my bank but didn't realize that the account was an old account from Chase Bank that was already closed. I have contacted both XXXX and Chase Bank to they keep going back and forth and still have no money. When I contacted Chase they stated that they reversed the transaction. They provided me with these two numbers : Trace # XXXX Trans # XXXX They stated that XXXX XXXX ( XXXX XXXX XXXX ) has the money and XXXX says that Chase told them that they had it.
Company Response:
State: NC
Zip: 27616
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX has reported a derogatory account against me in the form of a charge off as of XX/XX/23 in the amount of {$1700.00}. these marks are hurting my ability to get a mortgage at this time. JP Morgan has reported a charge off as well on 3 accounts I believe that these negative marks were reported without proper permissible purpose as defined under 15 US Code 1681b ( a ) ( 1 ) ( 2 ), 15 US Code 1681a ( 2 ) ( b ), and 15 US Code 1681e ( b ). Based on my understanding of the permissible purpose law, I do not believe that the late payments and charge offs were reported with proper permissible purpose. I would like to request that you investigate this matter and provide proof that they had a permissible purpose to report this information. If they are unable to provide such proof, I request that they remove the negative marks from my credit report as required under 15 US Code 1681e ( b ) .asap.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: This issue is involving Chase Bank N.A. - I had a Chase Ink Business Unlimited card with a credit limit of {$36000.00} for my business. Card number ending in XXXX. On or about XXXX, 2023. I received an invitation for the Chase Business XXXX Ink card ending in XXXX. I was told by the credit lending person " due to having several Chase cards I needed to share some of my credit. She then asked which card would I like to " move '' some of the limits to this New Chase Business XXXX Ink Card ''. I XXXX XXXX told her to move {$20000.00} from my Chase Business Unlimited Card over to my XXXX XXXXXXXX XXXX Moreover, during this conversation I was asked where would I like the XXXX Card to be mailed to : I provided my Business Address of XXXX XXXX XXXX XXXX XXXX the same as where my other business cards. I received a letter on XX/XX/2023, that had a concern about my " business address '' not being my resident address and that I needed to verify my home address immediately, and that my XXXX Account was Closed until doing so ''. I sent and provided that information immediately that same day. I fax the information required to the FAX number provided on the paper. I then called to verify receipt of the paperwork which I was told was received on XX/XX/2023. On XX/XX/2023, I spoke with a very rude gentleman at Chase. Who instructed me that he was not reopening the XXXX Account nor did he provide a reason for not reopening it. I asked this same gentleman who is the gentleman who CLOSED MY CHASE BUSINESS UNLIMITED ACCOUNT because I asked him to put back my {$20000.00} dollars that were moved over to the Premier Account. Insist of addressing that ISSUE- He/ this gentleman Closed my BUSINESS UNLIMITED ACCOUNT without my permission or consent. which is a direct breach of contract and should allow for ligation outside of XXXX. AS a result of his actions I lost out on purchasing an item that was being auctioned off for my business resulting in damages. My request is as follows : 1. My Business Unlimited Account should be reopened with my credit limit returning to {$36000.00} and/or the balance should be placed on the XXXX Account. 2. I am requesting that my XXXX Account be reopened because the information was provided as requested. 3. I am requesting that FTC investigate and waive the Mediation/arbitration clause and allow me to pursue them in court for breach of contract and interference of purchase. When I mention to this gentleman and another female that I was going to file an FTC complaint. The gentleman 's response was " Sure go right ahead we don't care about you filing a complaint with them ''. Such behavior and actions show that Chase doesn't care about the customers nor does it respect the agency that governs them. Such disregard for the customer and this agency should send a message that Chase is too big to care about their customers and the laws set forth by Congress and other lawmakers. I am requesting that my credit card and credit limit be restored to my card immediately. I am also requesting that my mediation/arbitration clause be waived so I can take action within the Federal Court regarding my damages as a result of Chase closing my account when I asked about moving my credit limit back to my Business Unlimited Card.
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: In XXXX I received a letter from Chase Bank stating that my credit card account that was not delinquent and had always been paid on time since opening 8 years ago, would be closed. The reason given was that it was associated with an account that was closed. I am not and have never been the primary account holder of any other accounts at Chase, but my mom did add me onto her checking and savings accounts years ago in case of an emergency. When I reached out to Chase about this, I was transferred XXXX times. The XXXX person I spoke with told me that my credit card account would be reinstated and no further action was required by me. A few days later, my mother received a letter similar to mine, but it only stated her checking and savings accounts would be closed. Not her investment accounts OR her credit card account. To date, her Chase credit card is still active. Today, XX/XX/XXXX, I discovered that my credit card account has indeed been closed. I reached out to Chase and was told that the person I spoke with last month lied, that my account is closed and there is nothing I can do about it except apply for a new credit card with them. They would not give me any reason as to why my account was closed. I am frustrated that not only was my account closed after I was told it would not be, but also because I am left wondering why this happened in the first place. I travel frequently for work and had this happened to me XXXX weeks from now, I would have been in another state without a credit card to make purchases with. Speaking for all Chase customers, I feel like we are owed an explanation as to why our accounts are selected to be closed for what seems to us to be random reasons, and they need to work with their representatives about telling the truth when it comes to account status.
Company Response:
State: LA
Zip: 70458
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Property was seized by Chase and my family was removed by the police. Told the police they were holding an auction of my property that weekend. I was told by the police that if I was seen on the property, I would be arrested for felony trespassing. The auction never happened, but I still do not have access to. The property. Chase property management took control of the property. They changed the locks and never came back, allowing the furnace boiler and heating pipes, and radiators to burst. The building inspector has removed the certificate of occupancy and instructed me to demolish the house. I have never missed a payment.
Company Response:
State: CT
Zip: 06410
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/23 I noticed my bank account balance was lower than it should be and when I opened up my banking app I seen 21 ATM withdrawals for a total amount of {$3200.00}. The withdrawals were made in {$100.00} or {$200.00} increments. I immediately contacted JP Morgan Chase bank and reported these fraud withdrawals. I made contact with the bank daily checking on the status of my claim. After 7 days I received the initial temporary credit into my account. I went on with life as usual and never heard anything about the claim. On XX/XX/23 without any communication the credits were reversed. I immediately contacted the bank to which I have had 0 resolution. I was told my claim was " denied ''. I am currently on a list waiting for a manager to call me back regarding this. Initially there were 2 claims because my savings account was also " drained '' on XX/XX/23 for {$700.00}. They required there to be 2 claims since there were 2 accounts involved. The strange part is the Savings account claim was " approved '' and the monies remained in that account. I was told the approval was " set in stone ''. So why or how could they deny one claim and approve the other when everything about the claims were identical. Same day, same time, same type.
Company Response:
State: AZ
Zip: 85310
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XXXX of XXXX my loan was sold by Guaranteed Rate to Chase Home Lending. During the time of transference, I had established an automated payment through my US bank account to issue a physical check to the address listed on the paper bill. After approximately three weeks, i did not see the payment process through on the account. I reached out to Chase and they said that they did not receive the funds. In order to prevent a lapse in payment, i processed an over the phone payment. A week later, the physical check showed up at the Chase address listed on the back of the statment and was processed. Chase informed me that the address the check was made out to was not a valid receiving center for their company. I disputed the statement with proof of address on the documents received in the mortgage transfer. Chase requested a copy of the cashed check image and i provided it to them showing that the check was received and automatically deposited by their processing center into a XXXX account. Chase denied any wrongdoing and stated that i sent the check to the wrong address. After an internal investigation, they report no error in receipt of the funds. I had told them that i would need to dispute the check with XXXX Bank and they would have to sign off that they did not receive the funds. They claimed it was fraudulently endorsed and told me that i would not be punished on my credit due to the mortgage transfer grace period. I was able to bring their balance current while awaiting the resolution with us bank to retrieve my funds. After further investigation, I've learned that the XXXX XXXX XXXX XXXX mailing address is a third party/subcontracted bulk payment processing center. This was the address listed on the back of the bill as an acceptable address and representative of Chase and its affiliates. Any errors incurred by their affiliate is an error incurred by Chase. I've provided copies of my statement, check and attempts to communicate with Chase.
Company Response:
State: AZ
Zip: 85143
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A