Date Received: 2023-04-13
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I have had a most upsetting experience that is ongoing. I am XXXX years old and am concerned it may have something to do with my age. I do not have a large pension but have over XXXX XXXX in assets so am not at risk of defaulting on any debts. In XX/XX/2022, Chase Bank closed my checking account and cancelled my credit card. I never had an issue or late payment. There was no reason given and I was told I had no recourse. I spent a lot of money on that credit card. I paid it in full each month and never missed a payment. I have never been overdrawn. I pay off my credit cards in full monthly. The source of my income is my equities at XXXX. The transfers always were sent from my XXXX account directly to the bank. I am perplexed as to why this is happening and very concerned. The most frustrating thing about it is that they cant give me any explanation. Can you help me with this? I dont know who to turn to.
Company Response:
State: NY
Zip: 10003
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My banking profile was compromised and used against me. My bank disputed the transactions stating it could not have been done since I had my physical card on me. Monies I had paid out for rent, car payments and other important things have been disputed therefore the bank reversed the payments but they went to whoever is doing the fraud leaving me in dire straits. Fake checks were deposited into my account and then cashed out. I was not notified of this fraud and then my account was locked and still is. My banks claim department has been very rude towards me. They are not communicating with me like they should and Ive been a customer with them Chase Bank for years. People are getting around the system and they dont feel it can be done.
Company Response:
State: MI
Zip: 48183
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2023 I was locked out of Chase bank account for unknown reasons. I went to Chase bank to investigate and found out {$3000.00} was deducted from my account into my XXXX XXXX account but I did not request the transfer. Chase Bank said they would start an investigation but that I needed to reach out to XXXX XXXX company. I had to open a new account but in the mean time my {$3000.00} is on hold through XXXX XXXX. XXXX XXXX is saying it will take 2 to 5 years to investigate the problem.
Company Response:
State: TX
Zip: 77373
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Dear Sir / Madam We booked XXXX XXXX XXXX located in downtown XXXX XXXX, CA for two nights of XX/XX/XXXX and XX/XX/XXXX. At 1st night of XX/XX/XXXX we stayed in room XXXX XXXX around XXXXXXXX XXXX of midnight my wife was XXXX XXXX XXXX XXXXXXXX XXXX woke up, there are multiple XXXX XXXX XXXX XXXX XXXX XXXX and XXXX and we found a bed bug in bed. Then we immediately went to the inn office to report the incident and requested to switch a room. However the staff said that the inn was full and there was no vacancy room for switch. He asked us to come back in morning and promised to switch a room for 2nd night of XX/XX/XXXX. We had no way but went back room # XXXX, but we could not sleep because XXXX XXXX XXXX XXXX XXXX XXXX XXXX Next morning the staff switched our room to room # XXXX for 2nd night of XX/XX/XXXX, the room # XXXX was fine with no bed bug. On XX/XX/XXXX I called the hotel and requested a refund of {$100.00} ( cost of 1st night stay on XX/XX/XXXX ) ; however the hotel representative named XXXX refused to refund. On XX/XX/XXXX and XXXX XXXX, XXXX I submitted a dispute in writing with the same description and pictures of multiple XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a bed bug found in our bed as evidences to the credit card issuer-Chase for two times ; However on XX/XX/XXXX Chase finally rejected my dispute with Chase confirmed that the transactions you disputed are valid. We do not agree with Chase conclusion that " Chase confirmed that the transactions you disputed are valid ''. The conclusion of investigation is unfair for us, because of bed bug we dissatisfied the stay in XXXX XXXX XXXX, my wife was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX she was not able to sleep whole night. We lost {$100.00} for that night. We doubt whether Chase really did investigation. Please help us to get corrected. Thank you.
Company Response:
State: MI
Zip: 49048
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/XXXX On XX/XX/XXXX, I received a notification that XXXX had charged me {$6.00} on my virtual Debit Card. The notification made me feel suspicious, so I opened my phone and looked under my virtual debit card and saw a total of 8 charges from XXXX in XXXX. There were 3 charges in XXXX, 3 charges in XXXX, and 2 charges in XXXX. The next day, XX/XX/XXXX, I checked my virtual debit card and clicked on the {$6.00} charge I received the previous day. When I clicked on that charge a notification stated to call this number if fraud was suspected. I called the number as stated under the notification I was informed to call XXXX Customer Support directly. I googled the XXXX Customer phone number. I called the XXXX Customer support number, and the representative investigated the charges and informed me that this has been going on for over 6 months. I was manipulated to download Any Desk app. I was instructed and assured the app was being used for coding to prevent this from happening again. Any Desk app made the access to XXXX XXXX and transactions of incremental amounts of XXXX. In addition, an account on XXXX was created and additional transactions were done. When I realized what had happened. I directly drove to chase Bank in XXXX XXXX to report the fraudulent transactions on my checking account. On the spot, I closed the checking account and debit account by the help from Chase XXXX XXXX. We contacted the fraudulent department who was going to investigate my claim. Police report was done to XXXX police on XX/XX/XXXX. Please see attached report. After 4-5 days, transactions one by one were paid back into my new bank account by Chase I was so relieved. However, I started to look back on old statements and noticed a few activities from XXXX back in XX/XX/XXXX. I called the number on the back of my chase card and reported the unrecognized transactions from XXXX. Now paranoid, I am checking my bank account twice a day. To my disbelief, 1 week after I reported my second claim, my Chase account indicated that Chase Bank had taken back all fraudulent transactions of XXXX that were reimbursed to me. XX/XX/XXXX at XXXX XXXX, I am back at the office of XXXX at the XXXX XXXX branch and asked XXXX to look into it. The branch manager XXXX got involved and gave XXXX access to the escalation team to review the claim. The manager told me to give the team 3 to 5 business days. XX/XX/XXXX, I received a phone call from the escalation team member telling me that the claim has been denied because it has been 60 days past due. I explained that XX/XX/XXXX is not 60 days ago. The representative said that the XXXX charges are and that is when the fraudulent charges started. I said, Wait, the two are not even related and 4 months later the charges are now from XXXX! I went back to Chase Bank in XXXX XXXX and spoke to the branch manager, XXXX. The response was, since the team had decided to not pay the claim, he couldnt do anything. He further explained that its like having my car broken into or my house. I said, I do have insurance for crimes like burglary- so what you are saying is that Chase Bank doesnt have any layers of protection? The manager said, I am sorry that you are a victim of fraud. I have been a customer of Chase Bank for 20 years and feeling my money is not in a safe place with the bank. As a customerI am not feeling protected by the bank. I just want my money back that was unauthorized and fraudulent transactions of XXXX XX/XX/XXXXXXXX XXXX
Company Response:
State: IL
Zip: 60060
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I disputed charges on a Chase business credit card directly to Chase back around XXXX. Chase removed as fraudulent a number of those charges, that were in fact unauthorized. I repaid the remaining balance understanding that the payment was in full and complete resolution of any balance owing on the card and that there would be no adverse affects to my credit. The card was closed out and no negative report showed up on my credit. Fast forward to XXXX, I applied for a credit card at a business - whose financial institution happened to be Chase- and I was denied. Not only was I denied, suddenly a credit report showed up that the earlier card had a charge-off amount the roughly equaled the amount that had been previously deemed fraudulent and waived. How convenient of Chase to wait years, and then suddenly break their agreement to me and slap my credit with a negative report. I was lied to by Chase- they committed fraud to induce my agreement to pay off the credit card by representing that my credit would not be affected - and then hit my report 3 years later with a bogus report that they had charged off some amount, in violation of their explicit representation to me that they wouldnt if I paid the remaining balance. I disputed this with XXXX, but they havent done due diligence or conducted a thorough investigation and forced Chase to recant - even though they have clear record that the card reported didnt have any negative consequence on my credit UNTIL XXXX I tried to open a few disputes before, as I did just now, and less than a day later they close it. XXXX is damaging my ability to qualify for credit or loans elsewhere, by reporting the fraudulent reports that were sent by Chase YEARS AFTER A RESOLUTION HAD BEEN REACHED- but XXXX wont thoroughly investigate or even ask the simple question why is this being reported now, so many years later? This is reckless on the part of XXXX and fraud on the part of Chase. Please help! PS, they have all the phone calls recorded and I discarded my materials related to this card, including notes of my calls, after the resolution because I relied on Chases representations to me, and I was able to confirm those representations by seeing at least two years of no negative consequence on my XXXX report.
Company Response:
State: UT
Zip: 84045
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX my score was dropped by XXXX points. I havent opened any new accounts, havent closed any, have never ever been late on any payments whatsoever. Contacted credit reporting agencies, they had no idea why.. ever since I signed up for XXXX XXXX with my Chase a count, funky stuff keeps happening. They lowered my credit score by XXXX points out of nowhere just a few months ago.
Company Response:
State: CA
Zip: 92108
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Chase bank issued a credit card to somebody else using my ssn. And when I found the credit card existing, that was a lot transactions made. And theyve been mailing me letters ever since, causing me great trouble, credit score went down by XXXX.
Company Response:
State: CA
Zip: 91913
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Received notification " JPMCB CARD SERVICES made a Bank / Credit Card Inquiry by checking your XXXX Credit File. '' on XX/XX/23. Called ( XXXX ) XXXX to get more information about hard inquiry, wasn't able to provide me with any more information. Inquiry is due to fraud. Already froze credit and placed fraud alerts on all 3 credit bureaus. Also disputed hard inquiry with XXXX.
Company Response:
State: IA
Zip: 50010
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am a Chase customer and have been for over 2 years. I deposited a check from a family member I have time and time again deposited checks from. This check happened to be one on XX/XX/XXXX for {$970.00} dollars to help pay their rent because they are now in XXXX care. Chase decided to not only restrict my account but tell me they can't touch it til XX/XX/XXXX. The money has come out of their account from their bank and we are getting {$85.00} dollar a day late charges for their rent being late. Chase has spoken to the creator personally and claim they have not. Now they are out {$970.00}, we can't right another check or withdraw from the bank and will tack on another almost {$500.00} in late charges and there is nothing Chase will do. I have never had a check bounce or be a problem, and done healthy banking the entire time. I even had their employees deny a request to talk to a supervisor and tell me my time at Chase doesn't matter. It has been a completely unprofessional situation and is now costing me a lot of money. There was no reason for my account to be restricted or this check to be flagged and now I'm responsible for paying for it. They pretty much are telling me that a machine has more authority over my money and a human can not override such occurances. This makes me very upset to know my money that keeps them open is trusted by a program to keep, y money safe and there is no way to fix it.
Company Response:
State: SC
Zip: 29588
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A