Date Received: 2023-05-01
Issue: Fraud or scam
Subissue:
Consumer Complaint: Summary of events On XX/XX/XXXX I opened a Home Equity Line of Credit with XXXX XXXX On XX/XX/XXXX I received and cashed a {$50000.00} disbursement check from XXXX XXXX into my XXXX XXXX XXXXXXXX checking account On about XX/XX/XXXX I was called from who appeared to be a Chase Bank ( on the caller ID ) and was questioned about the check, I did not provide any information other than telling them there was no authorization for Chase to have this check and that I had previously cashed it already. On XX/XX/XXXX my XXXX XXXX XXXXXXXX checking account was adjusted for what I was told is a duplicate deposit of the XX/XX/XXXX posting, I was told that XXXX had the rights to the check since they were the issuer and they needed to proceed with any type of claim at this point. Upon further research into the matter with XXXXXXXX XXXX I was told that XXXX XXXX XXXXXXXX was successfully paid on XX/XX/XXXX and that the check was presented a 2nd time at a Chase bank on XX/XX/XXXX. XXXX will not definitely say if they allowed the check to be cashed the 2nd time. I am getting conflicting information on who retracted the funds from my account, XXXX XXXX XXXX says JP Morgan Chase and XXXX says XXXX XXXX XXXX or JP Morgan chase needs to be involved. JP Morgan Chase will not tell me anything and I am powerless at this point to do anything further which is why I switched my direct deposit from XXXX to XXXXXXXX XXXX. My checking account at XXXX is currently in deficit of {$35000.00} and XXXX XXXX XXXX refuses to open a claim no matter who I speak with, they claim I need to go through XXXX for wrongfully disbursed funds and they are going to close my account on XX/XX/XXXX if I don't bring it to a XXXX balance immediately.
Company Response:
State: DE
Zip: 19713
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: Commencing on or around XX/XX/2021, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Chase account to the fraudulent investment firm.
Company Response:
State: CA
Zip: 90630
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-30
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: In late XX/XX/XXXX, I applied for the XXXX XXXX XXXX XXXX credit card and approved on XXXX XX/XX/XXXX. At the time of application the card was offering 2 XXXX tier-qualifying night credit for each eligible night stayed from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX for applying and getting approved for the credit card by XXXX octber XXXX. Between XXXX XX/XX/XXXX and XX/XX/XXXX I stayed 14 eligible nights with XXXX and never recieved any double tier qualifying nights. I reached out the chase about the issue in late XXXX and was told that I will recieve my tier nights will on my next statment closed date in XXXX. After I did not recieve my tier qualifying nights I reach out again and was told " Qualifying tier nights can only be earned on nights stayed and paid with the credit card '' this language was not found anywhere in application or in the promotional details, only requirement stated was that I open and get approved for the account by XXXX XX/XX/XXXX. I requested chase send me proof of that the language was in the application but never recieved anything. I reached out to chase again again on XXXX XXXX as the reason for rejecting my promotional benefits was incorrect and was told " The offer you are inquiring is only for accounts open XX/XX/XXXX XX/XX/XXXX and can not be manually applied. '' which was also incorrect as the promotional offer ran from XX/XX/XXXX to XX/XX/XXXX. I reached out the XXXX providing chase the promotional details of the offer showing it ran from until XXXX XX/XX/XXXX and was told that " those terms where incorrect and is from a XXXX offer '' which is also incorrect as the credit card was announced on XX/XX/XXXX. On XXXX XXXX I reached out to chase to inform them of the mistake and was told they will no longer be responding to this inquiry. As part of my sign up promotion there was a also a XXXX bonus point after completing $ XXXX in purchases in 3 months. I recieved that portion of the offer and im not inquiry about that portion of the offer.
Company Response:
State: DC
Zip: 20003
Submitted Via: Web
Date Sent: 2023-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I never paid this account late and this account was paid in full. It is still showing as late on my credit card. I would like it removed from my credit reports as negative
Company Response:
State: NY
Zip: 10801
Submitted Via: Web
Date Sent: 2023-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My mother has XXXX, she is also XXXX, Chase bank refuses to honor my Californian POA which she had a lawyer draw up in the late XXXX 's Chase bank said that a POA isn't good enough, that i need a form signed by her saying she understands what a POA is well that's a hard thing to do, she is so far down that XXXX XXXX XXXX, she understands nothing now, plus by law she can't sign anything, i have a paper from her doctor saying that, i need to be in charge of all of her accounts to make her end of life better, but Chase bank says no we can't help you, so after her passing i will go down to the nears Chase with her death certificate and close every account plus pass out papers saying how evil Chase bank is
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-30
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: To Whom it May Concern, On XX/XX/XXXX at approximately XXXX, I was approached by 2 young ( age XXXX ) males asking for donations for their basketball team. After quickly denying them my donation, claiming i did not have cash or XXXX, I began to walk away. They immediately followed me, becoming persistent in heir request for a donation, and also seeming quite forceful for boys asking for a donation. They had mentioned they take XXXX. After being quite vocal about my unwillingness to donate, I started to understand they were not taking no for an answer, and began to fear for my safety, as these males were over XXXX '', large in size, intimidating and could have easily been carrying a weapon. I opened my Chase Bank app, thinking I could quiet them by sending them {$5.00}. As soon as they noticed my bank app was open they snatched my phone from my hands and began walking fast while using my device as I was pleading to them to return it to me. They began to run and ended up dropping my phone, where i was able to retrieve it, but when I logged into my bank app again, I had seen that through my Chase App, they XXXX XXXX the name XXXX under the phone number ( XXXX ) XXXX the amount of {$2000.00}. This {$2000.00} came straight from my checkings account. I filed a police report and a claim with Chase bank immediately following this occurrence. Case number for police report is XXXX, and Chase bank claim number is XXXX.
Company Response:
State: NJ
Zip: 07470
Submitted Via: Web
Date Sent: 2023-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-30
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Dear Chase Inc, You closed my account ending in XXXX due to the reason of " Too many requests for credit or reviews of credit ''. This is highly inaccurate as I just checked my credit reports for all 3 major and 5 other minor credit bureaus. They stated my credit requests and reviews of credit are below average and should not have prompted Chase to close my credit card accounts. Chase Inc has a flawed system stating false information. I will sue if my credit card accounts aren't restored due to a system error. My credit reports are all frozen, even from minor credit bureaus so how was this " too many requests for credit or reviews of credit '' even triggered a random shutdown of all of my accounts?
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-30
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: My identity has been compromised since the year XXXX. The thieves used my stolen information to open a credit card with JPMCB. I found out about this situation in XX/XX/XXXX after receiving several credit application denial letters that I was utterly unaware of and didn't authorize. Afterward, after reviewing my credit report is when I become aware of this credit card account along with others that I didn't authorize. This situation is a major inconvenience and has significantly hindered my ability to obtain credit. I've attempted to dispute this account numerous times with no result.
Company Response:
State: NC
Zip: 27103
Submitted Via: Web
Date Sent: 2023-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-30
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My Complaint concerns JPMorgan Chase Bank, N.A. and a Savings account of mine that they closed with no warning. The amount that JP Morgan kept totals to {$5.00} approximately over the period of XX/XX/XXXX to XX/XX/XXXX. I originally had {$6.00} in this savings account for a long time. Unrelated to the issue I am writing about, is that my Chase accounts became frozen for inactivity in XXXX so I was asked to visit a branch to discuss them. Upon my visit in early XX/XX/XXXX, a Chase Bank branch associate advised me just to transfer {$1.00} from one to the other to reactivate them. So I transferred {$1.00} from the small savings account that had {$6.00} to a larger checking account that had {$17000.00} to reactivate them. This was done on XX/XX/XXXX. Then without my knowledge on XX/XX/XXXX Chase withdrew {$5.00} in fees from the small savings account to reduce it to {$0.00} then on XX/XX/XXXX withdrew {$0.00} to close the account. I then went a 2nd time to visit Chase in XXXX to discuss what happened with the small savings account and they told me they had a change in policy and fees would now be charged to have small accounts open. Please keep in mind I currently have a Chase checking account with {$17000.00} in it that they are not giving me credit for to forgo these Monthly Service fees. Another issue I have is that when I visited my local Chase Branch ( XXXX XXXX XXXX XXXX in early XX/XX/XXXX to unfreeze my accounts they never warned me about the policy change that would eventually deplete my Savings account with {$5.00}. Upon my branch visit in XXXX, I asked them to refund me the {$5.00} and they refused. I feel this is unfair and that I should have my {$5.00} back. If they do not, I will simply close my account for {$17000.00} for good and no longer do business with Chase again. I know my {$5.00} amount is small but I wonder how many other customers Chase has taken {$5.00} a month from by this change in practice.
Company Response:
State: NY
Zip: 11104
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-30
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 Chase bank called me from a local branch and told me they were sending me a new card because there had been attempted fraud on my checking account. On XX/XX/2023, I called Chase to ask when to expect the card to arrive I found out it had been delivered and that it had been sent to another address. I then checked my account activity and all but {$.00} of my funds had been withdrawn at a Chase ATM, a total of {$2500.00}. I promptly filed a claim with the bank fraud department. On XX/XX/2023, I received an update on claim stating that : " We found that the transaction ( s ) was processed according to the information you provided or was authorized " No adjustment will be made to your account at this time '' " Contact us if you would like to request the information we used for our research '' I promptly contacted the Customer Claims Department and was informed that the pin used on the account was correct. I told them I was called by someone at a local branch and it was probably a Chase employee at the branch. I also asked why my card was sent to an address other than mine because they had told me a Chase employee could not change the address a card it sent to. The rep told me that I had called and requested it to be sent there. I did not do this! I am distraught and shocked at the lack of professionalism I received when talking to the Claims Department employees, including a supervisor in the department. I need assistance resolving this claim please. Thank you!
Company Response:
State: TX
Zip: 75089
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A