Date Received: 2023-05-05
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Background I am writing to file a complaint regarding a recent issue I have with Chase Bank and XXXX XXXX XXXX XXXX. I am a business school student, and I organized a school trip to XXXX in XXXX. During the trek, I paid some expenses on behalf of XXXX, a travel agency. I received a check from XXXX. to settle the expenses after the trip. However, since XXXX. changed their address after issuing the check, they manually corrected the check. When I brought the check to Chase Bank, they told me it might not be processed because it had been manually altered. However, XXXX told me that it could be deposited since they could approve it. So, I deposited the check. However, the check was suspected of being fraudulent, and my account was suspended and is now closed. Actions On XX/XX/XXXX, I realized that my bank account was suspended. Since then, I have spoken with a couple of branches, back office, and fraud department of Chase Bank multiple times, but they told me that the only way to verify the check is to provide Chase Bank 's back office with XXXXXXXX XXXX phone number that matches their database and have them call XXXX to confirm if the check is correct. I provided all of XXXXXXXX XXXX phone numbers, but none of them match the database. XXXX does not have any transactions with Chase Bank, so we don't know which phone number is in the database. When I asked which phone number it is, they told me they didn't know and could not tell me. I also tried to let XXXX and their main bank, XXXX XXXX XXXX, call but Chase Bank said they can not pick up the call because this is about my personal information. The branch agreed that the check was obviously correct, so they filed an official complaint with the back office, but the response was still the same. Amounts My bank was closed, so I can not see the exact amount now. However, the amount of money in the closed account was around $ XXXX. Thank you for your support and attention to this matter.
Company Response:
State: IL
Zip: 606XX
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 an account
Subissue: Funds not received from closed account
Consumer Complaint: ~ XX/XX/2022, Chase bank closed my checking account, due to what they said was inactivity ( I was logging into online banking once a month ). I reside in XXXX. When contacted, the bank indicated the account was being closed and the remaining balance would be mailed by check to me. I received a letter from the bank indicating the account was closing, however ; did not receive a check. Chase indicated a check was produced and therefore, a stop check declaration was required. I completed this form and both faxed it twice and mailed the original. I have confirmation from the mail service that it was received and signed for. Chase claim they have not received the declaration. On several occasions over the 6 months, customer service tell me they will run a new check and to call back in 3-5 business days. When I do, the check has not been processed and I'm told I need to provide a stop payment declaration. This process goes around and around.
Company Response:
State:
Zip: XXXXX
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: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: XXXX We had issued through XXXX XXXX XXXX XXXX XXXX XXXX ) an ACH collection in the amount of {$1300.00} payable on or about XXXX XXXX, XXXX. XXXX This was for rent collected from a tenants ( XXXX XXXX ) from her account ( # XXXX ) at Chase with routing number XXXX. XXXX The tenant terminated the Lease but we forgot to remove the ACH. XXXX On or about XX/XX/XXXX, the tenant called and said money was withdrawn from her account. We told her that it was a mistake and we will refund it. We checked out account at XXXX and in fact our account was credited for that amount. XXXX We issued her an ACH payment to refund her for the same amount. We emailed her proof of the ACH refund payment to her. XXXX In early XX/XX/XXXX, we reviewed our XXXX XXXX bank statement. We found out that our account was credited {$1300.00} once, but debited for {$1300.00} twice. Our refunding her went through but her bank, CHASE, recalled and took back the original {$1300.00}. XXXX did not notify us about this until we saw the XXXX monthly statement. XXXX As a result, our account is {$1300.00} short. XXXX We brought this to the attention of the manager at XXXX XXXX XXXX After some vacillations, he said his Treasury Management will contact Chase to return the money. XXXX On numerous occasions I have contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX He states that this is not his problem but XXXX Treasury Management has contacted Chase about this twice, and that Chase has not responded. I asked and was told that by law, Chase has two weeks to respond but it has not responded to their inquires. XXXX Before filing this complaint, I called Chase and spoke with a XXXX ( call Ref # XXXX ) to see if Chase can explain the reason for failure to respond to XXXX XXXX XXXX She did not have any inforamtion.
Company Response:
State: IL
Zip: 606XX
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was looking for a car, found one, and was told I had to put a deposit down on the car even though I didnt have to. Company to my deposit and amped up the price of the car. I noticed maybe a week later that that happened to me. Once I noticed I sent the dealership and finance company a lengthy letter including an affidavit to come collect their property and return my deposit, a cease and desist for the negligence they are knowingly doing. They came and collected their property from me and never returned my deposit. Now they want to claim I owe them for a vehicle I dont have possession of.
Company Response:
State: FL
Zip: 32778
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I checked my credit and there are multiple inquiries on there that I have no clue about I did not give consent to anyone or I did not authorize any of the inquiries
Company Response:
State: IL
Zip: 60411
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: On XXXX the XXXX I faxed the Fraud department a copy of my FTC identity theft report. I asked to have this account removed because the account is fraudulent. I also sent a Identity theft report to the Credit Bureaus to have the block the account from reporting. The credit bureaus blocked the account on XX/XX/XXXX. As of today XX/XX/XXXX JPMCB re reported the fraudulent account. I also faxed over police report and a FTC report to JPMCB they still haven't removed the fraudulent account.
Company Response:
State: GA
Zip: 30344
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: Fraud or scam
Subissue:
Consumer Complaint: I was on XXXX XXXX XXXX XX/XX/2023. I was looking at auto parts and came across an online store that had the parts i needed. I messaged the store and confirmed price and availability. I was asked for my shipping info and then they provided their companies account info for payment. I paid through my CHASE account {$800.00}. Once paid the seller confirmed my payment and sent me a email with tracking details. I followed up with seller to confirm shipment and he said he would let me know when item was shipped. He then began to not answer questions about tracking and when I asked if I had been scammed he refused to respond. The seller has since comunicated via text and messenger that they did in fact scam me and are now harrsing me via text. I immediatly contacted CHASE BANK who informed me that there is nothing they will or can do. They work direct with XXXX and the sellers bank does as well but getting my money back will not be possible. I believe CHASE should be responsible, as well XXXX for allowing these transactions. They have to have knowledge of these scams and the accounts that run them.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
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: I made a purchase with my Chase Southwest Credit Card on XX/XX/23 to XXXX XXXX XXXXXXXX XXXX XXXX for {$510.00}. I checked into the hotel on XX/XX/23 and found it to be unsatisfactory so I contacted XXXX to change my reservation and they did so and sent me a confirmation email stating that my booking changed from {$450.00} to {$150.00}. I have that email confirmation. I also spoke with the hotel staff that evening and they said I'd receive a credit. I did not receive any credit even after several conversations with XXXX I disputed the transaction with Southwest and they resolved it on XX/XX/23 stating that the merchant said I didn't follow their cancellation policy and yet I did by calling Booking.com on the evening I checked in to change my reservation for one night instead of two and they put me on hold and confirmed with the hotel staff on site that evening that my reservation had been changed to one night and that I'd receive a refund for the second night. Please help me receive a refund for the second night as I have an email confirming XXXX changed my reservation.
Company Response:
State: NV
Zip: 89183
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I received an alert on the morning of XX/XX/XXXX about a large purchase from my checking account in the amount of {$230.00} from a vendor labeled " XXXX XXXX XXXX XXXX XX/XX/XXXX '' I did not authorize this transaction, so I called Chase, less than 10 minutes after I received the notification. I explained the situation, and the rep told me the transaction was tied to my XXXX digital wallet. I told him that I had no idea how that purchase was made, and that it was unauthorized. He told me that I would need a new debit card and that I needed to update the info on my digital wallet. He made a reversal on that transaction, though he didn't say that the reversal was part of an opened claim. I found out a claim had been opened when I checked my account balance and saw the reversal with a claim number attached. I received a new debit card, updated my digital wallet, and thought everything was okay. Today, XX/XX/XXXX, I receive an alert that the affected account is under {$10.00}, then another alert that my account was overdrawn. I checked my account, and the reversal in connection to the fraudulent transaction was undone, and I am now overdrawn to Chase. I was very upset and confused, so I called Chase about the claim ( claim number XXXX ) and explained my frustration, and asked about their investigation. The rep told me that " there wasn't sufficient evidence to support the charge being fraudulent '' because my password wasn't changed and that I had recurring charges on my digital wallet. The two recurring charges that they compared the fraudulent charge to are authorized monthly subscription charges under {$10.00} that I have history with as a customer. I explained tp the Chase rep that the transaction is not congruent with my typical spends via digital wallet and I had no history or knowledge of XXXX. This is clearly fraudulent. She told me I needed to provide " sufficient evidence '' to appeal the rejection, which included " photos that verified my location at the time of the purchase '' which makes no sense bc this was a digital purchase that could've been made anywhere. The rep said if I perhaps had a photo of myself leaving the house to walk my dog on a XXXX XXXX, that might help confirm my location... Even after discussing it was an online transaction that could have been made anywhere. It was all extremely confusing. I was incensed and asked whether they contacted the vendor, XXXX, during their investigation. She alluded to a back office that has further investigation details but does not speak directly to customers. We went in circles and I explained that the company, XXXX, doesn't seem legitimate ( no website, no results on XXXX ) and she essentially said there is nothing she can do at this point. I ended that call abruptly and called back after cooling down. Another rep was much more polite and we spoke about the situation. I asked more pointed questions about what kind of evidence I could use to verify that this was a fraudulent purchase. I told him that the URL of the vendor company ( XXXX ) did not produce any results and I could not XXXX them to contact them to resolve the issue like he suggested. He then suggested taking a screenshot of my attempt to go to the site, and to document any attempts to call them ( I didn't call them at that point ). He told me I can't open a new claim on the transaction and that I can only appeal the decision by faxing evidence to a given number. I asked if they contacted the vendor during the investigation and if they have a phone number. It should be noted that they didn't even give me a phone number or suggested next steps until I basically forced it out of them with pointed questions. He gave me the number to the vendor, which retrospectively was very insulting since the number goes straight to voicemail. If the bank performed ANY due diligence, they would catch the red flag of a company that has no results in XXXX, has no functioning phone number or website, and takes substantial amounts of money via digital wallet. The second rep kept reiterating that, from Chase 's perspective, I had other ( incredibly small ) recurring charges on my digital wallet ( from trusted vendors that you find on XXXX and contact ) that this gave the fraudulent transaction the appearance of legitimacy. I mentioned that the transaction was not congruent with my spending habits via digital wallet, to which he countered that sometimes people make big one off purchases, like flying to Hawaii. The problem with that statement is that you can XXXX XXXX or XXXX XXXX or XXXX. You can contact an airline you've made a purchase with. You can not XXXX " XXXX ''. The website URL to " XXXX '' is a dead end. You can not contact " XXXX '' - you're welcome to try, their number is XXXX. I was also told to get the vendor to acknowledge the fraudulent transaction in writing, which seems highly unlikely. I asked about the timeline for appealing a rejected claim after faxing evidence, and he gave me nothing, not even an estimate or average timespan. I am currently in the process of compiling evidence to send them, in the hopes that they will actually follow through with an actual investigation, but my hopes are diminished. I simply want my money back. I also want to be compensated for any overdraft fees I incur as a result of this massive mistake by Chase. What is the point of holding money in a bank if it's less safe than stashing it under my bed and hoping that no one finds it? Another bit of information that might be helpful is the customer service number I used ( XXXX XXXX ).
Company Response:
State: NY
Zip: 11225
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I was online trying to get get a loan with XXXX XXXX XXXX and XXXX XXXX and they asked me for my bank log in and password and they put XXXX XXXX and XXXX XXXX dollars into my account and they told me that I had to pay it back. With XXXX XXXX XXXXXXXX they told me that I need to to XXXX and purchase money cards which I still have and put a amount on there to pay them back to get the loan same thing with XXXX XXXX. I had gotten an email from my bank and I called them this morning and they told me that a check was put into my account and the check bounce it was not a good check. I also gave them a picture of my ID and my social number.
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A