Date Received: 2023-04-24
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I deposited a check of {$8200.00} in chase bank on XX/XX/. I was told my the bank teller XXXX XXXX XXXX that it will be an hold and will be released on XX/XX/. I was never told that the account was closed or need to have further assistants with cause it was on the verge of closing. So i checked my account the next day and it wouldnt let me log on like my account was closed which it was when i called an ask the bank teller the next day being that there where no funds in the account for 30 days. So i came an ask the bank manager XXXX of the chase branch in XXXX, fl on XXXX XXXX, what do i need to do and he told me the review team is taking care of it and they should call me and will be sending a check. After fighting with more phone calls everyday with customer service from chase bank from XXXX XXXX ( who the originally is from ) and by the way this is a refund check from filing my taxes in XXXX, ga at XXXX XXXX XXXX XXXX XXXX. No one has solved my issue and i am asking for help to figure out if someone stole my money. Please and Thank you.
Company Response:
State: GA
Zip: 398XX
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, I reached out to JP Morgan Chase Bank via email at XXXX As shown attached, the email stated the following : I am searching for funds that remain unclaimed and were last known to have been deposited between XXXX and XXXX from the State of Tennessee Child Support Program. The JPMorgan Chase account the funds were deposited into was account # XXXX ; routing # XXXX My name is XXXX XXXX XXXX XXXX XXXX and I am the account holder. On yesterday, XX/XX/XXXX I faxed two forms of ID, including my Driver 's License and Social Security card to the attention of JPMorgan Central Support Unit at Fax # XXXX. In doing so, identifying my relationship with this account, I hope to speed up the process in searching for the unclaimed funds. Should you have any additional information on the funds deposited into this account, please update me. I would like to claim the money, as XXXX through XXXX deposits were never received. Thank you for your assistance. _______________________________________________________________________ On XX/XX/XXXX, in response to this initial email, the bank requested that I follow up with an in-person branch visit. _______________________________________________________________________ On XX/XX/XXXX, I responded on my outcome after following through with JP Morgan Chase 's request to making the in-person branch visit. Within the detailed response, I informed the bank that in making the trip, I had only been inconvenienced and found no recourse. _______________________________________________________________________ On XX/XX/XXXX, I received a letter from Chase. Not to acknowledge the bank 's abandoned property division and my rights to a fair opportunity to file a claim, the bank refuses to investigate my lost money and eligibility to make a claim to it, according to the XX/XX/XXXX letter. The total loss is {$5100.00} in payments deposited into the Chase account # XXXX : routing # XXXX. The deposits were made between XXXX and XXXX. _______________________________________________________________________ Beginning XX/XX/XXXX, a card was issued to me from Chase Bank. In regards to the funds deposited onto the card, the bank is refusing to notify me of where they are. I strongly feel as though I am being denied an equal opportunity, being that I am denied of rights to abandoned property. This is unfair when the department remains actively in operation.
Company Response:
State: TX
Zip: 76018
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/2023 I sent correspondence regarding inaccurate and unknown things on my credit report to this day 63 days later I have yet to receive a response. I believe I am being taken advantage of and consumer rights violated. Per section 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( JP Morgan Chase ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between a business entity not a personal account and JP Morgan Chase. I demand these transactional late payments be removed immediately or I will seek litigation due to the violation of rights and breach of contract. Remove data entered XX/XX/2023 an XX/XX/2023
Company Response:
State: CA
Zip: 94568
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I would like to file a complaint against Chase Bank for closing my joint account with my husband without my consent. I received a statement on XX/XX/2023, indicating that my account had been closed due to an alleged report of fraudulent activity. Chase Bank issued a check for the funds in the account, which was {$1500.00}, and sent it to my address. However, I never received the check despite making multiple calls ( over 10 times ) and visits ( over 5 times ) to Chase Bank to inquire about the situation. This has caused me to waste more than 40 hours of my time, at my hourly rate of {$60.00} per hour, resulting in a loss of more than {$2400.00}. Upon investigating further, I discovered that there is another person with the same full name, date of birth, and social security number as me, as reported by XXXX XXXX XXXX XXXX XXXX XXXX ). Despite explaining the situation to Chase Bank, they have yet to return my funds, causing me extreme frustration. I urge the Consumer Financial Protection Bureau to investigate this matter and ensure that I am properly compensated for the inconvenience and financial loss caused by Chase Bank 's actions.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Chase bank restricted my online banking access in XX/XX/2023. After contacting Chase a few times, their fraud protection/financial safety representatives explained that it was because I attempted to move funds from my Chase savings account to my other account outside Chase bank XXXX XXXX XXXX ). I have made numerous calls to Chase bank, and the Chase bank 's representatives were able to verify my identity each time, they still needed me to visit any of Chase bank branches and practice the same procedure. I am currently working abroad as a federal government employee, and I am not able to leave my position yet. Chase bank 's over-cautious and client unfriendly protection manner has restricted my access to not only my banking accounts but also my credit card accounts. I am not able to monitor my credit card transaction history and pay for my credit cards. Please kindly assist with a reasonable solution for this issue. Thanks.
Company Response:
State: TX
Zip: 799XX
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/XXXX, I called my bank, Chase, to ask them why hadnt I recieved my deposit that I was expecting today. They then informed me than my account has been restricted. I asked them what that meant, and I was told that my account is being permanently terminated because they can not maintain it and that I signed an agreement stating that they could close my account for any reason they felt necessary. I tried to explain to them that I had lost my job, car was broken down, car shop did a bogus job and my car still has problems even after I paid them {$1500.00} and my insurance paid them {$1600.00}. So I tried to dispute the {$1500.00} payment, explain and fax them the paperwork, but that only lead to them thinking I was being fraudulent. So now my account is closed and they are saying there is nothing I can do about it but come pick up the remaining funds from a local branch.
Company Response:
State: TX
Zip: 77493
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My wife and I recently opened a Chase checking account using my kids birthday money so that we could fund two special debit cards they offer for children. After relatively little activity and not much either being deposited or withdrawn from the account I received a letter from Chase stating that after a periodic review they have decided to close the accounts, including my children 's two debit cards. They can not provide any reason whatsoever to why they decided to do this. I can't help but feel that they make it seem as if we did something wrong or shady, which makes it all the more frustrating because there is no way we could defend ourselves. It actually feels very much like discrimination.
Company Response:
State: FL
Zip: 33176
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: Fraud or scam
Subissue:
Consumer Complaint: As a client of JP Morgan Chase, I wish to use your organizations service to settle my dispute with the bank
Company Response:
State: MI
Zip: 48126
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: Closing an account
Subissue: Company closed your account
Consumer Complaint: Around XX/XX/2023 I tried to access my Chase personal account online and I couldn't do it. I got a notice stating my online access was restricted and I should call a XXXX #. I thought it was a mistake and maybe the page was down or malfunctioning, so I did nothing, thinking I would try back later... One or two days after that, I received an actual letter from Chase stating that my company 's account was also restricted. I immediately tried to access Chase online on the business side, and I noticed I had the same restriction notice and the same XXXX # to call... When I realized not only was I not able to access my personal accounts, but my company 's account had restrictions as well, I was extremely worried, because I have a lot of money in my company 's account. I wasn't sure exactly how much money I had because I only have online statements and I was not able to login .... So, I immediately called the XXXX # hoping to understand the problem. The person I talked to at Chase had not much to say, other than Chase reserves the right to close the accounts for any reason. He also said they don't need to give explanations on the situation because it's confidential and that Chase had the right to close the accounts because it was written in the fine-print when I opened the accounts. I told him that I couldn't understand why my accounts were being closed as I don't receive strange international wire transfers, nor I deposit cash or anything that might look suspicious. I just receive money from the same sources month after month, and pay my CCs and bills... He cared less and kept on saying the account was being closed and I didn't need an explanation other than the fact, it was being closed. If they had given me ANY notice in advance, I could have taken the money out, downloaded all the bank statements for my taxes, exported the vendors information and done several banking arrangements before they closed the account, but I was given no time for these arrangements... just the sudden realization I couldn't access online for both, personal and business accounts. Next step, I went to a Chase branch and tried to get my money back for both personal, and business accounts. The lady at the counter, ended up calling some XXXX # ( not sure if it was the same number I called, or not ) and talked to someone... Going back and forth, the person on the other side of the phone told the lady at the counter that I could ONLY get 50 % of the money on my personal accounts. I couldn't get my money on the business accounts because they would be sending that with a cashier 's check whenever they finalize closing my account. I was shocked! I wanted my money back in full for all my accounts, and Chase wouldn't give it to me! At the end, I accepted the 50 % of the money on my personal accounts, as I wouldn't want to leave empty handed, but I was very upset at the situation ( to say the least ). Up until now, Chase still has 50 % of the money on my personal accounts, and 100 % of my business account... I can only hope for this nightmare to be over and to get my money back. I can not say I hate Chase. The online platform is great. My mortgage is also with Chase... The limits I have on my credit cards with them are awesome, although I am now afraid of being rejected every time I swipe them. I am lucky to have other credit cards so I carry other CCs with me, just in case. What I do hate about Chase is the way they closed my accounts. No notice or any time to move my business somewhere else. All the automatic payments, the bill pay vendors ( automatic checks to my vendors ), all that gone and I still have no knowledge of the information about my vendors as I was never able to re-gain online access. Not being able to access bills online through e-bill means I would most definitely miss a lot of my next payments even when they were automatically withdrawn in the past from my Chase personal accounts and the fact I can not access the e-bills ( because I can not login to Chase ) means I don't have my vendor 's information. It's a mess and all that, created for the stupidity of Chase for not giving enough notice when closing the accounts. I should have receive one or two months ' notice, an explanation of the issue, and maybe an opportunity to offer any information Chase may require, before Chase making such a decision of closing my accounts. THAT would have been a nice way to close my accounts : )
Company Response:
State: TX
Zip: 77095
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: XXXX, XXXX, date opened XX/XX/. Inaccurate information. I paid entire balance prior to due date with agent on phone. Account still went to charge off,.
Company Response:
State: TN
Zip: 37138
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A