Date Received: 2023-04-25
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I am the legal guardian for a deceased person, I must close this account at Chase and use the funds to pay her remaining bills. I have been working on this since XX/XX/2023, the banker at Chase sends all the documents to the legal department but nothing happens. The personal banker I've met with frequently since XXXX, does not know why nobody has gotten back to him about this issue, he has never been able to give me any reasons for the delay in closing this account. My deceased client has about {$10000.00} in the account. I have to answer to the XXXX XXXX, the hearing has been continued twice now, and still no response from Chase.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I just don't get it anymore. After I filed a complaint against Chase Manhattan Bank with both the XXXX and the CFPB a month ago, they dropped their interest charges and fees, and my unfair balance went from {$560.00} to something like a negative {$8.00}. Now, all of a sudden, that - {$8.00} which they owed me has become {$31.00}. They're still doing the same thing they did before. They are trying to charge me unfair fees and interest charges for a card that I closed long ago. Please look into the previous complaint that I filed against Chase. In that complaint, I talked about how they had refused to refund me the money for two purchases that I made on XXXX, which I attempted to dispute with Chase, but they found favor of XXXX against me. After I complained about them to the XXXX and to the CFPB, they changed my balance from {$560.00} to around - {$8.00}, meaning that they owed me money. Now all of a sudden, once again, on a card that hasn't existed for almost a year, they're saying that I owe them a balance. Please look into this matter for me. Chase needs to close this account, 0 out the balance or give me some of the money that they owe me, and leave me alone. I want nothing more to do with them. I will never bank with Chase for the rest of my life. Trying to resolve anything with them is a lost cause.
Company Response:
State: CA
Zip: 92840
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Credit card agent called me on overdue bill which I paid on the phone with agent then he convinced me to change my credit card bills from paper mail billing to online billing.I explained to him that I am a XXXX citizen and not computer savvy and he then went on to convince me to sit by my computer and walked me through the process of converting the payment from mail billing to online.With my XXXX moments I totally forgot about the payment change and as I always do wait for my mail to pay my bills.No bills arrived in the mail and I received a phone call 3 months later that I owed approximately {$1500.00} on credit card which was a bill from 3 months ago since I did not use the credit card in the past two months. I told the credit card representative I want to pay my bill but I need to see a copy of the bill to verify the charges. The agent said they will send the bill by mail and 2 weeks later I received the bill in the mail and called immediately the credit card company to pay the bill.At that time the agent told me the credit card was cancelled and all my points accumulated over time were removed and there were fees and interest charges on the bill as well as a yearly credit card fee. I explained that I havent received a bill in the mail for these charges and the agent said you needed to go online to see the bill. I told them I am not computer savvy and dont know how to get my user and password and the agent confirmed that I never opened the online account since it was opened with the original agent on the phone. They claim I opened the online account on my own without any assistance of their agent which is a complete lie and they deny their agent had anything to do with my opening the online account.They claimed to review the telephone recording and I would like to hear the telephone records of the complete conversation with the agent in XX/XX/2022 when I paid the credit card on the phone with the agent and then he convinced me to change the billing information to online and had me sit in front of my computer and walk me through the whole process to change the account from mail billing to online.
Company Response:
State: NJ
Zip: 07666
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was scammed by XXXX XXXX where they, allegedly, transferred my call to XXXX after telling me that my account had been hacked. I was on the phone with XXXX for hours XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did purchase 3 gift cards, under false pretenses, believing all the while I was talking to XXXX. I am a XXXX widow of an American XXXX Veteran on a fixed income who desperately needs my money given back to me. I am also a victim of a scam and I should not be held accountable for this horrible incident.
Company Response:
State: FL
Zip: 33323
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-22
Issue: Problem with customer service
Subissue:
Consumer Complaint: I have a check written out to me for {$6000.00} that is from Chase Bank. It is a third party check, as a payment from a customer. Chase bank in XXXX Ca XXXX and XXXX Ca XXXX both refuse to cash the check because I don't have an account with them. I showed two forms of ID, and the writer of the check was willing to verify her information and the information on the check. The check was written yesterday and the money is in the cleints account. Its Their check and the money is in my clients accout. They are witholding the money from me. They cant even back up their own check, so the check is basically garbage then. What type of bank doesnt cover their own checks!? Thats what they're there for
Company Response:
State: CA
Zip: 95330
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have attempted to have this account updated with XXXX, but they are still incorrectly reporting this loan. Although I filed for bankruptcy in XXXX, this auto loan was paid in full instead of being excused in that filing and I own the title for that vehicle free and clear from Chase as of XX/XX/XXXX. JPMCB AUTO Account number XXXX I have attached my title and lien release for that vehicle from chase when it was paid off.
Company Response:
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-22
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX I placed a pick up order from XXXX that was then picked up on XX/XX/XXXX at XXXX pm. The company processed the payment on that date. However when I got the statement from Chase they placed the order as posted to the account on XX/XX/XXXX thus eliminating the 5 % money cash back offer that ended on XX/XX/XXXX. When I called their customer service on XX/XX/XXXX I was then argued in bad faith ( it turned out ) the " mechanics ' of credit card transaction processing that are reminiscent of the institutional fraud in the so-called debit card-gate. It was shown that the credit company prioritized the postings of transaction in a way where the highest value transaction depletes the account below XXXX $ resulting in subsequent overdraft fees being multiplied by manipulating the actual sequence and timeline of transactions that took place. It was done by the algorithm and in this way the factual time of the transaction doesn't matter as it is manipulated to present a desired effect. BTW, the factual processing of credit card transaction regardless of point of origin take between one and two nanoseconds ( 10 ( -9 ) ) second. After this conversation I was then transferred ( I believe as form of retaliation ) to the Chase travel service phone number which has nothing to do with rewards credit but only a redemption of it. When I called again I was then given a supervisor who also wanted to get involved on the issue but after spending a 10 min conversation I was informed that she's also has no authority to address the ... ... ... {$2.00} matter. Here are my points : 1 ) Why is Chase using its CSRs in bad faith who produce only talking points excuses but have no authority/expertise or in some cases English language comprehension skills to address a simple issue such as this? 2 ) Why is the Chase allowing a non-verbal abuse of customers by only wasting their time in this way? 3 ) Is the Chase utilizing the use of XXXX as vendor for its XXXX center set up? That would explain a complete lack of authority to address issues and poor quality of its expertise which truly reflects poorly on bank and its decision making capabilities. I think being a good and HONEST customer with the bank since XXXX should at least oblige it to conduct its business within basic ethical standards and not obvious contempt as it was presented towards me. Do they really believe its customer base to be so stupid and financially illiterate as not to have a basic understanding of forms of payment processing set up? Note to the regulator : this type of " delay of processing order aka posting '' not only disadvantages customers in the rewards dept but it is also widely used in transactions regarding forex. In this way the bank can hold off with processing it when it gets analytics of the currency 's move for the next one or two business days thus charging customers higher exchange rate fee than it was at the actual date and time of the transaction. This is actually a type of reverse front running which is banned in high frequency forex transaction but due to the nature of the credit card business it is allowed on the end of it.
Company Response:
State: IL
Zip: 60073
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-22
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2023 I received a incorrectly deposited check in the amount of {$38000.00} This check was accompanied with a deposit slip with my account number hand written by the Chase bank in XXXX Texas. This is the second time this has happened to my account from the same branch. This time CHASE decided the freeze my entire checking account which had over XXXX of my money. I received a notice from my mobil app that my account was {$4300.00} over drawn!! When I checked I had a XXXX balance. I immediately called the XXXX customer service number and was told my account has been frozen due to fraudulent activity and I needed to go to my local branch. I told the person on the phone this was due to their error which was plainly visible in my account and I had no trouble with them removing that XXXX from my account but they had no right to freeze my assets.. This person could not help me and would not let me speak with the team that handles this type of accounting issues. I kept pushing that this needed to be taken care of and after 10 - 15 min of holding she said she would transfer me which the next person gave me the same level of customer service and put me on hold which then the call dropped after 10min of being on hold. I had to call back again and spoke with someone who was helpful and she was able to get them to release the hold on my account and my balance was back to its correct amount before the {$38000.00} mix up that was 100 % Chase 's fault. My issue here is I don't believe CHASE has the right to withhold MY money for something they did wrong and was plainly visible to them. My other issues is what is being done at that local branch to ensure the teller who made this mistake is properly trained to ensure this does not happen again ( since this is twice now ). I feel my rights have been violated as I was not able to access my money and had to fight and persist with chase until this was resolved. I need explanations as to why this happened and if CHASE followed proper procedures on denying my access to my money. CHASE has been in the news serval times with other customers who have had their account drained and had to get the News involved because CHASE does not work with their customers very well.
Company Response:
State: WA
Zip: 98682
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-22
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Per XX/XX/XXXX statement Previous Balance {$12000.00} XXXX, XXXX. - {$13000.00} Purchases. + {$1900.00} Cash Advances {$0.00} Balance Transfer XXXX Fees Charged Interest Charged XXXX New Balance XXXX Opening/Closing Date Credit Access Line Available Credit Cash Access Line Available for Cash Past Due Amount Balance over the Credit Access Line Balance Subject To Interest Rate {$5700.00} Interest Charges {$110.00} Payment Activity. @ XXXX Cancel CREDIT CARD ( ... XXXX ) XX/XX/XXXX Completed $ XXXX XX/XX/XXXX Completed {$390.00} XXXX XX/XX/XXXX Completed {$9100.00} XXXX XX/XX/XXXX Completed $ XXXX From N/A ( ... XXXX ) XX/XX/XXXX Completed $ XXXX Credit Card XXXX XXXX internet based on 2 months PREVIOUS BALANCE!!? Interest can only be accrued based on amount borrowed and must calculate interest ONLY ON AMOUNT OUTSTANDING. Account paid OVER account balance! Balance XXXX on XX/XX/XXXX XXXX {$2500.00} XXXX Payment {$13000.00} XXXX Credit card company is charging interest based on the PAST 2 months average!! Of {$5700.00} for XXXX & XXXX average balance. This is against Consumer Credit protection act. Please advise how to proceed with this matter. Thank you XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CO
Zip: 80138
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-22
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A credit card was opened in my name with Chase Bank. I did not open this card and reported it as fraud.
Company Response:
State: CA
Zip: 95632
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A