Date Received: 2023-05-07
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Hello Any advice would be great. I have an XXXX Credit Score. 2 of my three credit cards, with one company, closed my account ( s ). With a high credit score, I also use my credit cards on a regular basis and my income has not changed. Therefore, none of the typical three reasons to have a cc closed comes into play. I never had a reason to call my cc company for years. However, in the last two weeks, I had my cc declined two times. With {$13000.00} limit on one and {$17000.00} on the other, it shouldnt have been declined. Paid on my cards 5-8 times a month just so I never had a bill. So yes, I was mad when I called. About the cards. The workers laughed, made jokes and I got more mad. I was a great or excellent customer and not only should not have been treated this way about the declines, nor the final step of cancellation happened. Do I have any recourse? Even a small claims court attempt? I believe they took my words and ended my account. The worst part is the cards were also with Amazon and Southwest Airlines and I earned tons of points. That was important to me. Sounds a little like my freedom of speech were the cause. Any advice would be appreciated. Thank you for your time. XXXX
Company Response:
State: PA
Zip: 161XX
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Opened a new account with Chase a few weeks ago. My mom sent me a check that I deposited XXXX for {$3000.00}. Deposited it through QuickDeposit. First it said the money would be available XXXX. Then it said XXXX. Now it says XX/XX/12. Called Chase : they said its cause its a new account. They said they need to call the issuer of the check. They got in touch with my mom today but still wont release the funds. Called them back : they said they need to talk to the issuing bank. They did so, with a three way call with my stepdad, so that the bank could give info. The bank confirms the money left my moms account. Chase confirms they received the money. Still wont release the funds. I called them back : they said they have no way to get in touch with who printed the checks, so therefore the funds are staying on hold. They are just moving the goalposts and keep making excuses to not give me access to the funds at this point.
Company Response:
State: NH
Zip: 03103
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: A credit card was opened in my name with Chase bank, who I did not have an account with prior. This card is being used to purchase items online, and Im receiving emails about overdraft accounts from chase. I called Chase bank once o found out about this, and was hung up on. I went into a Chase bank, but was just told to call the same number.
Company Response:
State: CO
Zip: 805XX
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023 I unexpectedly received notice from my banking institution, JP Morgan Chase, that a sudden decision had been made to close all my concurrent credit cards and my personal checking account, without any specific reason. All my credit cards were in good standing. I contacted them a few days later via a phone call and they refused to conduct a secondary review of the account closures.
Company Response:
State: CA
Zip: 94541
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Chase card services sent a letter dated XXXX informing me that they are closing my credit card account " because of unexpected activity on this or another Chase account '' No one at Chase can tell me any details pertaining to this activity nor was I given a chance to document, prove or otherwise respond to the security concerns. As a small business owner, I am reliant on my credit card to auto pay my vendors and while I have other cards, the need to set up new auto pays with over 40 recipients is a huge time sink and incredibly frustrating.
Company Response:
State: WA
Zip: 98116
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made a deposit into my checking account on XX/XX/2023. I am a XXXX and the check was issued by XXXX XXXX- a local title company in XXXX Oklahoma. It is very common and typical that I receive my paycheck directly from the title company. Chase told me there would be a hold on the funds until Tuesday XX/XX/2023. I accepted this and thought nothing more about it. Today, XX/XX/XXXX, I find out that Chase has placed a fraud hold on my account and that I have zero access to any funds in my checking account. They said that they did this because they can not confirm that the telephone number on the check is associated with the business name on the check who wrote the check. The funds have cleared and money released to Chase Bank Chase is holding the money hostage, indefinitely, waiting to confirm a telephone number. I have provided the business phone number. It is easily obtained by XXXX the Title company or by going to the company website or by looking at the face of the check. They tell me that I will not have access to these funds and that they will not give me back the check that I deposited. There is no remedy for me to have access to my paycheck. Chase bank has allowed deposits of other checks from this very same title company and readily granted access to those funds. XXXX XXXX has offered a copy of their phone bill - a copy of their business license and any other verification that Chases needs - but Chase has declined
Company Response:
State: OK
Zip: 74055
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/ I received an expected payment via international wire from XXXX XXXX XXXX. The payment was for {$2000.00} XXXX which was {$1300.00} USD. On XXXX XXXX XXXX I received an unsolicited call and voicemail from XXXX, the bank XXXX at a nearby Chase Bank branch ( XXXX XXXX in XXXX, XXXX ). I assumed it was a sales call and ignored it. On the morning of XX/XX/ I received an alert that I had insufficient funds in my bank account due to a {$1000.00} wire transfer. I had no idea what that transaction was and immediately called Chase, I was told to call the fraud claims department. They suggested that I freeze my account and then go into a bank branch to close the account ASAP as it had obviously been compromised. I walked into the nearby branch that day, but there were no appointments available, I was told to come back the next day, which was a XXXX and since they don't take appointments on XXXX, I was advised to come in early. On XXXX XXXX XXXX I arrived at the bank branch early, but was told I had the wrong ID and had to go back home to get my passport. I went back to the bank and waited around an hour before being able to speak with a banker. Meanwhile, my account had gone deeper into overdraft because even though my account was frozen, automatic payments were still coming out. I told the banker I wanted to close the account and she said that might be difficult because the account was in overdraft. I asked if XXXX was in ( the banker I had received the unsolicited call from on the XXXX ). She was and she came to speak with me. XXXX said she had called me on the XXXX to let me know that the wire I had received on XX/XX/XXXX had insufficient funds behind it and that Chase would be taking the money back. She said that was what had happened the day before- it wasn't a fraudulent transaction, it was the bank reclaiming funds that they had fronted me. So according to XXXX, my account had not been compromised and there was no reason to open a new one. She said I could change my login details if it would make me feel better, but it was Chase who took the money. I was confused because : 1. I thought the point of wire transfers was that they have to have funds available 2. Chase never notified me that the funds were provisional, I had no reason to think the money wasn't mine to spend The transaction had cleared out my account, but it wasn't the full amount of the original wire, so I asked XXXX if I should expect to get hit again for the rest of the funds. She said probably yes, but she would ask the back office and let me know for sure. Since there was ( according to XXXX ) no fraud and no reason to close my account, I asked if they could unfreeze my account. They said they couldn't, and that I would have to call the claims department again to have them unfreeze it. So I went home, called the claims department and told them it was okay to unfreeze my account. A friend loaned me {$2000.00} to get my account out of the negatives, to leave room for Chase to take the rest of the money and then then to hold me over until I could get the situation sorted out and get XXXX XXXX XXXX to send another payment. On XX/XX/XXXX, I had a missed call and voicemail from XXXX. I called her back and she said that yes, I could expect that Chase would be taking the rest of the money back. By that time, I had been charged a {$50.00} fee for the outgoing wire and I asked her if I would be charged again whenever Chase came for the rest of the money. She said she didn't know and that she would find out and let me know. Since she had originally called me on the XXXX, but the money hadn't come out until the XXXX, I figured I could expect the rest of the money to be taken around the XXXX. Meanwhile, on the XXXX, I got the only correspondence I have received from Chase about any of this - a form letter from the claims department saying that my claim had been denied because they had determined that I had authorized the transaction OR had compromised my account details which allowed someone else to access my account. From their point of view, it was NOT Chase who had taken the money, it was a completely separate international transaction that I was responsible for. So on the XXXX, when Chase still hadn't taken the rest of the money, I called the claims department again to get more info on how they made their decision. I told them what XXXX had told me and they said that was wrong. It was NOT Chase, it was a completely separate transaction and I had wired that money out. I asked who and where the money had been wired to and the Claims rep said that information would be in a letter I should have received or would receive soon. I asked how international wires work and if I could speak to someone in the Wire department, the representative said there were no people in that department since COVID, that everything is done by forms and they suggested that I file a Wire Recall request. I asked how to do that, they said it was an option on the website, but that if I needed help, they could transfer me to a Customer Service Representative. I said yes please. So I was transferred to a Customer Service Rep, and I wish I could remember her name because she was BY FAR the kindest and most helpful person I have spoken with at Chase, even though she ultimately couldn't help me because neither one of us had enough information to file the Wire Recall. But from what she could see, there was nothing to indicate that there was anything wrong with the original XX/XX/XXXX incoming wire. The letter from Chase never came. And XXXX XXXX had no idea what happened. They said they definitely had the money to fund the wire and didn't know why Chase would say they didn't. They also couldn't get any information or response from Chase. So on XX/XX/XXXX, still having received no documentation from Chase, I called the claims department again to try and get information, because if Chase wasn't going to chase up what had actually happened I was going to have to do it, but I needed to know what evidence the claims department had for denying my claim. The first representative I spoke to that day said my claim had been denied because they had determined that I had initiated the transaction and/or had received benefit from the transaction. I told the rep that I had been told it was Chase who had taken the money, she said NO. NO WAY. It was a separate transaction that was initiated by me or someone with my account details. I asked when and how the transaction had been initiated and from where. She said she could see that the transaction had been initiated at XXXX on XX/XX/XXXX. ( Notice I made my first call to Chase at XXXX that day ) I asked how the transaction was initiated, she said online with my login details. I asked from where and she said she would look up that information but then we got disconnected. I called back and spoke to another representative. He reiterated what the first rep had said - I had initiated the transaction and/or received the benefit of the transfer. I asked what the benefit was - I asked who the merchant was, he said he didn't have that information, according to them, the benefit I received was the transfer itself. I asked what information, what evidence they had used to deny my claim. He didn't have that information, so I asked him for : 1. The IP address of the computer that made the transfer 2. All information they had on the merchant/service 3. Any details they had about the transaction He said he would gather all that information and put it in a letter. He also mentioned that he would keep me updated as to any progress made with the wire recall request. I said I was never able to file one and he said that the claims department already had. So I waited. And waited. And waited. XXXX XXXX said they finally did, in fact, receive that {$1000.00} back from Chase, but had no idea why, still hadn't heard from Chase and were hesitant to send the money back to me because this has all been non-sensical chaos and confusion. So I looked up my options, who do you ask for help when your bank is being shady and unhelpful. I found out I could file a complaint here, but before I did, I wanted to give Chase one last chance. So I made an in person branch appointment for XX/XX/XXXX. In my notes, I said that I wanted to file a complaint. On XX/XX/XXXX, I received a call from XXXX, she said she had seen my appointment request and wanted to know what was going on. I told her everything that had happened, and she said- NO, the claims department was mistaken, it was what she had originally said a bad wire transfer and it was Chase who had taken the money. But she couldn't explain why Chase had never taken the rest of the money or how a wire transfer " bounces '' in the first place or why Chase has NEVER sent any kind of documentation saying anything about any of that. She said " You want documentation? Even though I've already told you? '' And I wished to punt all of Chase into the sun because GIRL WHAT?! YES I WANT DOCUMENTATION. All is banking is is documentation! She said there was no need to file a complaint, she would escalate my concerns and that I could expect some documentation and/or communication from the escalation team within the next 3 to 5 business days. She said I didn't need to come in and she canceled the meeting. Well, it has now been more than 5 business days. And I am beyond tired and frustrated. So here we are.
Company Response:
State: NY
Zip: 10030
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Received the credit card XX/XX/XXXX. Made on transaction amaynd the card was flagged as fraud. Waited until XX/XX/XXXX to get a replacement. Used the card and again flagged for fraud. However, this time I was traveling and had to sit in the hotel lobby for XXXX hour on the phone before I could check into my room. XX/XX/XXXX the card was then again shut off for fraud when I used it to purchase XXXX tickets. Spent another hour on the phone. Tried to make another purchase and again, same day, within minutes had to call back and speak to someone for another hour. XX/XX/XXXX, called to inform Chase I would be traveling and to not flag the card as fraud. The lady reassured me everything will go through and on XX/XX/XXXX, the card has been flagged for fraud. Not to mention I am XXXX states away and hundreds of miles from home. If I didn't have a back up to this rather shotty credit card company, I would be stranded. This company is the worst and I am going to make sure to tell everyone I know and have them tell everyone they know. What a joke and a waste of time. I have never experienced or witnessed something like this.
Company Response:
State: ID
Zip: 832XX
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( JPMCB Card Account # XXXX ), has violated several of my rights. 15 U.S.C 1681 section 602 A Clearly states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Company Response:
State: NJ
Zip: 08021
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have been charged for a month subscription since XXXX of XXXX each month for XXXX up until XX/XX/XXXX. I did not notice the transaction until XXXX of XXXX. I filed a dispute with Chase Bank credited back all 6 months of charges and then reversed. I then contacted the merchant, XXXX, and they credited back 4 charged on XX/XX/XXXX and sent me a receipt showing 4 credits. I sent this document to chase, filed a claim, chase credited me back 3 charges and the reversed the credits. Chase at this point closed the case and will not reopen a dispute. I have contacted the merchant and they gave me transaction number. I contacted Chase and they stated the transaction number do them no good. I need help
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A