Date Received: 2023-05-04
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: Claim # XXXX Date : XX/XX/XXXX Payment amount : {$660.00} check number : XXXX To : XXXX XXXX XXXX XXXX XXXX Payment amount : {$840.00} check number : XXXX To : XXXX XXXX XXXX Total : {$1500.00} XXXX, XXXX XXXX XXXX, holder of checking account number XXXX at Chase Bank, am the owner of an XXXX company in XXXX, and that is why I made 2 payments for invoices referring to films distributed by my company in XXXX, one was to XXXX XXXX and the other to XXXX XXXX. I made these payments through my personal account, as I don't have a business account here in USA. On XX/XX/XXXX I made these 2 payments by ACH at Chase online bank, and payments were sent by XXXX ACH checks. In the end of XXXX I asked if they received the amounts and both XXXX and XXXX claim they have not received. I opened this claim on XX/XX/XXXX, and since then I have sent the requested forms by fax through the Chase branch near my home, on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, but every time I called them to confirm, I was informed that they didn't receive it. Them in XX/XX/XXXX, I sent by mail all the documentation I had regarding the XXXX payments. The track number is XXXX. I've sent them : - Copy of both checks, which does not show the recipient of the amount, note that XXXX does not even have a XXXX XXXX account. - Copy of the e-mail, where the recipients claim not to have received the checks. - Copy of the Wire Transfers, which I had to make the payment again. - Copy of invoices. I followed the tracking and after seeing that the documentation arrived there, I called to confirm. Chase said it received it and would review and send a response. On XX/XX/XXXX I receive a letter saying that they could not recover my funds and that they were closing my claim again. I kindly ask you to review the case with the Chase, with all the evidence sent. If it was these companies that deposited the checks, I want proof that really proves it, so that I can recover the amount I overpaid. In the proof of payment provided on the Chase website, it is not clear and does not even mention the name of the account holder from whom these amounts were received. All I am asking is a clarification, and if the check takers weren't who they were meant to be, I want my money back. Sincerely, XXXX XXXX XXXX
Company Response:
State: CA
Zip: 95765
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Dear XXXX : I am reaching you about my account at Chase. It was closed because I deposited XXXX checks. XXXX is under my name ( XXXX XXXX XXXX, and XXXX is under my friends name ( XXXX XXXX ). These XXXX checks are issued by the lawyer about the car accident compensation ( which happened XXXX years ago ). And my friend is currently in XXXX and will not be back in the US. So he asked me to deposit the XXXX checks together. Now my account is closed. And the XXXX checks were on hold. I called Chase many times about my situation, but they gave me different answers every time. Initially, they said I could reopen my account once they verified the checks. But after that, they refused to call the check maker to verify ( because the number is not verified at their system, but it is on the check I deposited ) and said I could not get back my account. After that, I also went to the branch several times, but they told me they couldnt do anything about it, and asked me to contact the check maker to recall. I contacted my check maker ; they claimed that XXXX checks had already been deposited so they couldnt do anything about them. I feel so lost now and dont know what to do next. I understand that there would be some policies of the bank. But this account is the only account that I have in the US, and I already used this account for XXXX years. I have chosenChase ever since I came to the US. I want to reopen it if it's possible. And they said the XXXX checks were on hold. But XXXX of the checks is under my name. I wonder if I can get those parts of the money back to me first. And return my friend 's check to the check maker. Otherwise, I dont know where I could find all the money back, and I can not afford it. I apologize for the situation ; it is my fault at the beginning. I would really appreciateit if you could help me and give me a clear answer on what I cando about this situation. And I could provide anything ( my and my friend 's ID or check information ) to verify our identities. Wish you have a great day. Thank you. Sincerely, XXXX XXXX
Company Response:
State: NY
Zip: 11101
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with non-monetary relief
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: Chase bank closed my account due to the payee name not matching my name ( account holder ). I went into the bank to verify that the payee authorized the funds to be received by me by them bringing in XXXX forms of ID and proof of business association. They never scanned the IDs or anything to be sent to the fraud department they simply said they couldnt help me. After I was told that, I submitted a complaint requesting a release of my funds. They then replied saying that they dont have the necessary information to release them as I need to verify the payee by phone number or walk into a branch with their XXXX forms of ID and that I also need to verify maker issuance which if Im wrong correct me only applies to checks ( these are all ACH deposits ). I then let the fraud department know where the ACH deposits came from ( shopify ) and they did their research and couldnt find a phone number that can be verified because XXXX has moved all of there contact methods to digital meaning only live support chat and email. So there was no way to call and verify makers issuance as XXXX doesnt have a phone number to call. So the fraud department said there is no way to verify my funds and that my money will be sent to the state after a certain time frame. Which is ludicrous as this is legal money coming from a legit source just the payee names were mismatched. There has to be another way to verify my funds as that is not fair to victims who have legit transactions but just because the Maker doesnt have a phone number the transactions cant get verified. This needs to be handled as that is my hard earned money that I have no access to simply because of a payee mismatch and because the maker has no phone number.
Company Response:
State: NC
Zip: 275XX
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 the loan or lease
Subissue: Billing problem
Consumer Complaint: I was told by the representative at the executive office for JP MORGAN that I would receive a call back regarding the outcome of the dispute. I've called multiple times over the last week. The car in question was due to be sold on XX/XX/23 per the written correspondence I received. I did not receive a call before that date or after. I called today only to get a voicemail. After I left the voice mail she finally called me back. When I spoke to the representative, she stated that the investigation is complete and the outcome still has not changed. I asked her well what happened to the vehicle because it was due to be sold at the end of XXXX. She stated that they extended the date to XX/XX/23 but I was never notified as the consumer of the extension by written correspondence or verbal. She then informed me that she will type up a written letter to post in response to my complaint. I asked her why wasnt I notified about the extension because when I last spoke to her, I told her that I had a new financial institution ready to purchase the vehicle. She stated that she wasnt aware of that and she only remembers that our previous financing fell through. She could not recall the conversation about me mentioning the new lender to her at all. She then proceeded to say that she submitted her letter and it should post by tomorrow on the CFPB website. Im pretty sure they sold the vehicle without resolving this issue and complaint with me after multiple attempts to alert them of the damages of constantly call, reaching out, and reporting the false information the continue to tell me via the phone.
Company Response:
State: LA
Zip: 71118
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My card was taken back in XXXX I disputed chargers I was given a provisional credit and they denied my claim and have taken credit back. They refuse to pull up ATM footage. They claim I authorized transaction bc whoever has my pin but my pin was mauled to me as well. My account is XXXX error drawn by XXXX and bow they have taken my check and put it towards overdraft
Company Response:
State: IN
Zip: 46241
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I was called by someone claiming to be from Chase Bank. He told me there was suspicious behavior on my business account. Someone was attempting to use my card number in XXXX at a hair salon. I wasnt surprised to hear this because I had tried to order something for my company from a new website a few weeks before. I never got the order or any confirmation but money was also never taken out of my account. It was strange and I didnt understand what the scam was but it felt like a scam. So when someone called from my bank about suspicious spending it made sense to me. He asked me to check my other accounts and make sure there was no other fraudulent activity. When I opened my checking account on my phone, he poke as if he could see my account details. Referring to specific transactions and whatnot. It was a bit of a perfect storm because there was an unknown charge from XXXX for {$150.00}. I later learned that this was a XXXX subscription renewal and their price has gone up and for some reason it was charged to my debit card instead of my husbands work card. It all reinforced my belief that this guy was legit and the threat of fraud was real. He explained that to confirm that I was me and not the identity theft he would walk me through a wire transfer from my personal checking account to my own business account. The wire wouldnt actually go through but would serve to notify the bank that I was connected to both those accounts. I realize now how stupid that was of me. By that point my husband was on speaker with me and the man was so convincing. Another thing that made it seem real is because I have a text thread from chase that goes back to 2020. Anytime I need to reset anything or verify anything I receive codes from this number. These codes were coming in from that number as the guy was walking me through this processes. The codes were working. When I got to the wire transfer page the only names listed were my own and my business account. There was no name I didnt recognize! I woke up at XXXX nervous and checked my accounts. {$2300.00} was taken from my checking account. I immediately called chase fraud. They told me I would have to wait til XXXX to talk to accounts fraud. At XXXX XXXX I called accounts fraud and spoke to two different agents. They both told me my request was denied because I initiated the transfer myself. I tried explaining that whatever wire occurs and the one I initiated were not the same because there was obviously a different name than my own. They couldnt tell me the name or account number it was sent to and told my to file a claim with the FBI. I did that then went to talk to a banker at XXXX XXXX when the branch opened. He told me my claim was not denied after all. He explained that the transaction was still pending and they should be able to intercept it. They problem was no one could see the account number! Only the last four digits. I did however learn the name of the account it was sent to. It was the name of my business but what was hidden or cut off or encrypted or whatever was that at the end of my business XXXX was added. I went to XXXX XXXX to try to intercept it. They too could only see the last four digits of the account number. It was so painful. I felt like I was being fraud ed in real time. The transaction was pending for two days and my bank wouldnt stop it because they didnt know the account number. Both the banker at Chase and XXXX XXXX said they should have access to that! Once the transaction went through Chase said they can request that the receiving party not accept the funds. Obviously the receiving party declined that request and now my money is gone. Im not rich by any means. I am a XXXX and a XXXX and a XXXX XXXX XXXX. {$2300.00} is a lot of money for me. I am filing this complaint against Chase bank for doing nothing to support me. The fact that I was told my claim was denied twice when that was never true made me feel like they wanted to just get me off the line and not bother them. They fact that they didnt know the account number that they approved a wire too is unheard of. That they would do nothing while the wire was still pending was so frustrating. I understand wires are different than credit card or debit card transactions but accidents and scams do happen and the bank should be able to control it. I have now escalated this to their executive offices but have yet to hear a response.
Company Response:
State: TX
Zip: 78748
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Was given a letter two weeks before closing account that chase has closed ALL of my accounts with no further explanation. Called multiple chase numbers for my personal and business accounts and they refused to conduct a secondary review and would not give any explanation. DO BETTER CHASE! This is ridiculous!
Company Response:
State: LA
Zip: 70461
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Chase Bank Credit Card for their unsupportive and unfair treatment following a recent scam incident that I fell victim to. Last Monday, I was deceived by a scammer claiming to be an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX if I did not pay for an " XXXX XXXX XXXX and a " XXXX Embassy Bond '' to assist in their investigation. This fake case involved my passport being linked to XXXX XXXX XXXX XXXX XXXX XXXX. An accomplice posed as a local police officer, corroborating the story. They frightened me into purchasing gift cards as payment for these " bonds, '' which they claimed would be refunded after I was proven innocent. The scammer informed me that I was not allowed to use any online payment methods due to the ongoing investigation and insisted that gift cards were the only acceptable form of payment. While it seems far-fetched now, their contact numbers appeared to be from a XXXX XXXX XXXX and a local police station, and I had traveled to XXXX and XXXX the US through XXXX last year, so I trusted them. They also coerced me into not communicating with anyone or using the internet. As a result, I purchased a total of {$11000.00} in gift cards using my Chase, XXXX, and XXXX XXXX cards. I provided the gift card information to the scammers as instructed. The following day, I realized I had been scammed and reported the incident to the police, XXXX, and my banks. XXXX refunded me {$2000.00}, and XXXX XXXX initiated an investigation into the matter. However, Chase initially informed me that I was responsible for the debt since I had authorized the transactions. Although I was unhappy with this, I agreed to pay the balance. The next day, a representative from Chase 's security department contacted me, asking questions about my interaction with the scammers. Afterward, they informed me that my account had been closed and that I could request a review for reinstatement within six months. I was shocked and requested to speak with a supervisor to understand the situation. The supervisor reiterated that they could close any account for any reason and confirmed that my account closure was permanent. This decision seemed unreasonable, as I had only been a victim of a scam and had planned to pay the outstanding balance myself. The closure of my Chase account has made my life even more difficult, as I have billing accounts linked to it. I have always been a responsible cardholder, with no history of late payments. In this scam, I felt that Chase was not on my side and was instead siding with the scammers. They could have warned me about the potential scam when I made 13 consecutive {$500.00} gift card purchases, which is out of character for me based on my credit card history. While I understand that it was not their obligation to caution me, their knowledge about scams could have helped me avoid this situation. The most disheartening part is that when I was at my lowest, my bank worsened my situation by closing my account permanently for an unjustifiable reason. The most ridiculous part about this whole ordeal is that, even after my account was closed, I continued to receive all sorts of promotional emails from Chase. These promotions included referral bonuses, offers for other products, and auto loan promotions. It's absurd that while the bank deemed me unfit to maintain a basic account, I was still considered a viable candidate for these additional services. This inconsistency only adds to my disappointment and further erodes my trust in Chase. The fact that they closed my account without providing a reasonable explanation, and then proceeded to send me promotional emails, made an already painful situation even worse. I am seeking your assistance in addressing this issue and holding Chase accountable for their unfair treatment of a loyal customer who fell victim to a scam. Sincerely, XXXX XXXX
Company Response:
State: NC
Zip: 27529
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Chase pulled my credit twice for one credit app. They know they made the mistake and said they would submit to remove but havent. Its causing harm to my credit.
Company Response:
State: OH
Zip: 447XX
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My sister made a deposits to her accounts via phone on Monday XXXX XXXX to her personal checking account. Since then her account, my mothers, my mothers boyfriend account and my own account have been frozen! I cant make deposits, make payments or anything related to my account, its frozen!! How can they do this? If there was an issue the Chase bank should have frozen the deposit but not the whole account and not other accounts that have nothing to do with each other but being family members!! Today we are a chase bank branch. They have told us they need to verify the checks. Ok, we asked them to tell us what checks need to verify so we can contact them and have them verify. But chase is making mistakes with phone numbers and checks. As in, they call one number and ask for the wrong person! Ok, we asked what else can be done. They said to stop the checks. So we told them people to stop the checks. But they money has already been taken out of their accounts so they cant seem to stop the checks. We can not wait 10 days without access to our accounts! I need to pay bills, buy groceries, pay for my girls school and It didnt even involve my account!!! Why is my account frozen??
Company Response:
State: TX
Zip: 75075
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A