Date Received: 2023-04-25
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I received an email XX/XX/XXXX, stating the account for XXXX XXXX was closed. I immediately called customer service to inquire on the reason for the account closing. It was a joint account. I was told that the account was closed by the bank and a cashier check would be mailed out for the amount of {$46000.00}. After XXXX weeks, XX/XX/XXXX I called Chase customer service to follow-up on the status of the cashier check being mailed out. I was told that the process takes a while and I should be receiving the cashier check soon. I asked if I could verify the address where the check was being sent and was told that I could give my address and they would be able to confirm the address where the check was being sent. I gave my address XXXX XXXX XXXX XXXX, XXXX IN XXXX. The customer service rep said yes, thats the address where the check would be mailed. XX/XX/XXXX, and I still had not received the cashier check, so I placed after to Chase customer service. I explained the reason why I was calling and gave the rep my information. I was placed on hold while they went to pull up the account. I explained I had not received the cashier check and if there was an update on when the check would be issued. They looked into my request and came back saying a cashier check had been spent out but was able to tell me who the check was made out too or where it was it mailed to. The only thing that they were able to tell me was a cashier check was processed on XX/XX/XXXX. The rep was able to give me a XXXX tracking number, which I was able to track and see that a package was delivered to XXXX TN on XX/XX/XXXX. The rep could not tell me who the check was made out to because they could not see that on their end. The call ended with sorry I couldve been more helpful. You might need to contact your local branch office for more assistance. I quickly made an appointment with the branch office in XXXX XXXX. My appointment was made for XX/XX/XXXX @ XXXX. XXXX Chase Bank manager was very attentive to my concerns, and she begin looking into why I was told by the rep on the phone that they were not able to see who the check was made payable to. After looking into the account XXXX made some calls to find out why the image of the cashier check was not visible to see. She was told the account wS handled by the back office. After being put on hold and transferred to different departments, XXXX had to ask if she could look into this account more later and give me a call when she found out more. To fast forward Chase bank has not been able to tell me who authorized the account to be closed or show an image of the cashier check that was mailed out. I was called to come to the bank to sign a declaration of lost stolen or destroyed cashier check. I didnt sign the document because I didnt agree with me saying I LOST the check. This account has been with Chase for over 20 years and I didnt think I would have to go through soon many problems to resolve my deceased uncles account.
Company Response:
State: IN
Zip: 464XX
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check to my chase bank account given to me by a customer for providing services of doing work on her house. I deposited this check on XX/XX/2023. The check was on hold until XX/XX/2023. Once the hold was released off my check I tried to withdraw money and transfer money with no success. I called chase and informed them of my problem. They responded to my problem saying that there was a restriction placed on my account due to the check but the money was available I just cant use it cause they werent able to get in contact with the makers. I was not informed of this restriction prior to this problem. Now my account is suspended and due for closure because chase couldnt verify a check that a hold has already been lifted off of. I dont see how that is my problem. I have a deposit that had to be paid on my new house and I cant even get my money out of my account! I dont have time to wait for them to close the account and send me a check via mail! This is extremely inconvenient for me as I told my landlord that I would have the rest of my deposit when my check cleared on XX/XX/2023. I have XXXX kids and we have been in the process of moving for about 2 months. I have been waiting to get this over with but Im having no luck with getting the restriction off of my account. I just want my money in a timely manner. I am disappointed at the lack of communication and the lack of urgency chase has displayed during this unfortunate situation. If someone could get back to me ASAP I would greatly appreciate it. I just want to go get my money or have it transferred out of my account so I can pay my deposit for my house!
Company Response:
State: OH
Zip: 45801
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I applied for this CC for my partner business purposes but I am having an issue w chase declining transaction because is unusual. She traveling as a XXXX consultant to all over the US uses the same rental company and most times the same hotel. We were having these transactions declined which then she would call and I get on a call with their customer center. I have explained time and time again that this a travel g credit card which charges an annual fee, declines stopped for 3 months but now we are back to same. Every time they do I literally spend XXXX minimum minus to try getting thru someone and explain this all over. This has been scaled this last time to XXXX an accountant Supervisor that basically told there is nothing chase can do. Every time I get the annual fees, or transaction fees or interest I dont get a text asking me to decline or complain so I have asked for them to credit one of their annual fee since I have spent considerably time explaining this over and over. After every declined I then have to reach back to the vendor and explained and have them rerun transactions which I invest more time. My partner was once a stuck in a small city in the middle of nowhere waiting for rental car to allow her to take rental cause Chase had declined transaction.
Company Response:
State: CA
Zip: 94110
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Chase freedom advertises that all prescription drugs get 3 % cash back. I noticed on my bill that they only have given me 1.5 % cash back on these purchases. When I brought this to their attention, they stated that the prescription drugs were bought at a grocery store, therefore they are not giving me my 3 % cash back on my prescription purchases. This is false advertisement since my receipts says jewel osco drug and should be categorized as a drug store.
Company Response:
State: IL
Zip: 60453
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On Monday XX/XX/23, I realized all my three ( 3 ) chase bank credits cards that I have/had for the past nine ( 9 ) years keep declining anytime I make a purchase or payment. I checked my chase bank mobile app only to realize all my credit cards is closed if no notification, email or information. I called chase bank customer support and I was transferred to six ( 6 ) different departments or people only to be told by all of them that they dont know why or have no answer for me. Tuesday XX/XX/23, I waked up and realized my chase bank accounts ( checking and savings ) is closed too. I again called chase bank customer support all day with no one able to tell me the reason or why all my accounts and credit cards is closed. I finally got to someone who told me that chase bank has decided to end the banking relationship with me and he cant tell me why but I have to wait for 7-10 business days for letter from chase bank then after someone will call me and later send me check of whatever money I have in my accounts. Just like that with no reason or explanation to they take my financial life away without thinking of how I feed my family, how I will pay my bills. How do I survive till the 10 days I receive a letter with no explanation or reason.. I havent committed any fraudulent activity or fraud, just like that J.P. Morgan chase bank just shut my life off with less than 5 days to the end of month. I have never in life felt so helpless, I dont even know what to do, who to talk to.. Im never late on any payment on all my credit cards, I never been in anything relating to fraud.. They just dont care!! All they tell you is wait for 10 business days for a letter.. like how?.
Company Response:
State: NY
Zip: 10462
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I am trying to get my deceased mothers IRA moved to her estate account at Chase bank. I have been declared through the courts as the executor of the estate. I have provided the court papers along with every other piece of paperwork requested from Chase several times.since XX/XX/XXXX. I have been through 4 bankers with Chase trying to get this resolved. Each time I have been told it takes 7 weeks for the IRA group to complete the transfer. The first banker moved and no one checked his voicemails to let me know he had left. I was given another banker who I provided all the paperwork to and after not seeing the funds moved into the estate account after the 7 weeks I tried calling him and received no call back. I reached out to the online banker service that Chase has and they have been helpful but only in getting the bankers to call me back. When the 2nd banker called me back he tried to tell me he never met with me ( also my brother and husband were at the meeting ) even tho the online banker could see in the notes that he had met with me. The 3rd banker I met with sent in the paperwork without my fathers death certified ( which I did provide ) and I was not notified until after the 7 weeks and I called to find out what is going on. The 4th banker I dealt with did the paperwork incorrectly and I was not notified until I once again called after having to wait 7 weeks and not seeing the IRA moved to the estate. I am now on the 5th banker. This banker was smart enough to contact the IRA group ( which I have never been allowed to contact in the past ) and have them walk him through the forms line by line to get it correct. However, now I have been told by the IRA group that because the court order which states that I am the executor of the estate is more than a year old ( it was issued XX/XX/XXXX ) I have to go back to the courts and have the order reissued. Chase has had the court papers for months. The only reason that they are now a year old is because of all the errors Chase employees have made. In order to have these recertified in the courts I would have to get the probate lawyer again and this will cost the estate. This is only a chase policy and not a legal requirement. I will also now have to file estate taxes again next year because this IRA was not taken care of last year. This years estate tax preparation was {$310.00}. This will also cost the estate for the tax preparer next year only for the IRA. Also, the probate lawyer had me distribute the funds that were in the estate account from the sale of the house and assets which left the estate account at XXXX. Chase banker knew this and knew that the account was only being kept open waiting for the IRA to be transferred. However, because the account was at XXXX Chase has charged me {$25.00} a month. Lastly, because the IRA was not moved into the account in a timely manner I have had to take {$11000.00} out of my personal savings and place it into the estate account to pay for the estate federal taxes.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: After changed my address from XXXX to XXXX XXXX my information was used by scammers so i made a police report also made a complain to FTC years back. Now i have problem to open new account- need to clear this issue urgently. My secured information- current address all are updated to IRS and creditors.
Company Response:
State: CA
Zip: 90024
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Following up with previous CFPB case no. XXXX. The reply from Chase Bank Executive Office to case XXXX stated that " Maker issuance of the checks were verified on XX/XX/XXXX, and a request was placed to release the remaining funds of {$6500.00} from suspense. There is a 10 day processing timeframe for the funds to be released and for a cashier 's check to be issued to your address on file. ". However, as of the time I submitted this complaint, the check is still not yet seen. So I made a call to Chase bank on XX/XX/XXXX, they transferred me on the line a couple times and eventually the agent said he will call me back but it did not happen at all. XX/XX/XXXX, I made a call to Chase again, the agent told me the concerned check is still in hold. I explained him my situation that my employer 's business phone number is no longer valid, that's why Chase bank is stuck in this verification process. And then he said he can make an exception for this one as long as he can verify my employer 's phone number is of the same person as the business owner of the check. He then made a phone call to my employer right away, and he said the check is now verified, and will be issued by 4-5 days. But I don't trust what Chase Bank told me anymore. Actually I have already heard from Chase bank that my check is verified a couple times. On XX/XX/XXXX, I brought my employer to visit the Chase Branch at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX trying to go thru the verification process. The banker told me it was done and Chase will issue the check to me. IT DID NOT HAPPEN. On XX/XX/XXXX, Chase Executive Office replied my complaint on CFPB saying the check will be done processing by 10 days and mailed to my address. IT DID NOT HAPPEN. Today ( XX/XX/XXXX ), an agent on the hotline claimed that the check is verified and will be issued by 4-5 days. Will it happen? Should I trust Chase Bank? That are some questions I want Chase Bank Executive Office to answer.
Company Response:
State: CA
Zip: 91780
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: reviewing the reports, I realized I was a victim of identity theft with Bank XXXX XXXX and Chase Bank. I also was advised to send them an identitytheft.gov report in connection with the identity theft that l 've been a victim of. I lost my identification and just ordered a new driver 's license and social security card in XX/XX/2020, not realizing someone would find it and use it to gain access to my life. Please assist with the removal of this erroneous and untrue information that I am a victim of. It is truly detrimental to the growth and lifestyle I am trying to maintain for myself and my child. Thank you.
Company Response:
State: GA
Zip: 30339
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/2023, I applied for the Chase Marriott Bonvoy Boundless credit card through a link on Marriotts website that redirected to a Chase webpage. This webpage offered a {$250.00} Marriott Bonvoy eGiftCard delivered to your email upon approval for the credit card. I did not receive this gift card after I was approved. I called Chases phone number, XXXX ( XXXX ) XXXX at XXXX XXXX on XX/XX/2023 and spoke to a rep called XXXX ( I asked for a last name and she replied that she is not required to provide that information, nor an Employee ID ) for 33 minutes. She told me that she did not know why but I was not eligible for the gift card offer. I read her the Terms and Conditions of the offer, for which I meet all conditions. Then she told me that because I did not apply for the credit card over the phone, I was not eligible for the offer. This was not mentioned in the Terms and Conditions of the offer, of which I reminded her. Then she said because I had not applied through a targeted link from a search engine or email, I was not eligible for the promotional offer. This was not mentioned in the Terms and Conditions of the offer, of which I reminded her. Then, when I connected her with the front desk manager of the Marriott at which I had just checked in and was planning to use the gift card, she said that I was not eligible for elite pricing due to rejection by the credit bureau for my credit score. I asked her what credit score is required as that was not mentioned in the Terms and Conditions of the offer and she said that she doesnt know and that I will have to contact XXXX. At the time, my XXXX credit score was XXXX, which they consider Very Good. She then claimed that I would have received a letter in my credit card Welcome Kit informing me of the rejection. I received no such letter and I told her so. She insisted that I did receive one but regardless the only way to possibly receive the gift card was to open a case with Chase but that it was unlikely to be approved. I asked her to do so and she claimed she would but I heard no typing and she gave me no written confirmation. Sara gave conflicting information and refused to connect me to someone who did understand or was willing to find out what happened with my gift card, but the Terms and Conditions were very clear. They did not stipulate phone application requirements, targeted link requirements or credit score requirements. They simply stated that I would receive a {$250.00} Marriott Bonvoy eGiftCard upon approval of the Chase Marriott Bonvoy Boundless credit card, for which I was approved. I am entitled to a {$250.00} Marriott Bonvoy eGiftCard.
Company Response:
State: CA
Zip: 90503
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A