Date Received: 2023-04-13
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Chase needs to fulfill its promise of paying {$800.00}.
Company Response:
State: SC
Zip: 29715
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 accessing account
Consumer Complaint: JPMorgan Chase Bank ( " Chase '' ) transferred the funds out of a checking account and a savings account that I had maintained with them since XXXX into new checking and savings accounts after I was a victim of identity theft on or about XX/XX/XXXX. The identity theft involved someone setting up a fake joint account and transferring {$57000.00} out of the original checking account into the fake joint account on XX/XX/XXXX before Chase realized what happened and transferred it back into the original checking account before freezing both the original checking account and original savings account for suspicious activity although nothing had ever been withdrawn from the original savings account. The full amount that had been in the original checking and savings account were moved into the new checking and savings account on or about XX/XX/XXXX and I continued checking those new accounts almost daily and everything was fine with the correct amounts in the new checking and savings accounts through XX/XX/XXXX when the new savings account and the XXXX figure amount in the new savings account disappeared without a trace as if it never existing. When I went to a local Chase branch the next day the branch manager spent almost an hour on the phone with someone before figuring out that the new savings account had been pulled by a computer program which he described as a computer glitch which tagged the new savings account as suspicious even though nothing had ever been done with it other than transferring the amount that had been in the original savings account into the new savings account. I was promised I would get my money back into a brand new savings account after waiting XXXX business days and I am still waiting. What upsets me is that the new savings account with the XXXX figure amount disappeared from my online account without any notice to me whatsoever. No phone call, no text, no email even though I have every possible notification tagged on my online profile. I have still received no notification from Chase even by mail what happened to that savings account or acknowledging it was closed or that it ever existed. This has been very mentally and physically stressful to me. Plus, because I was keeping a low amount in my checking account thinking I would transfer funds from savings when necessary I was unable to make financial payments that were expected to be made this week.
Company Response:
State: NY
Zip: 10001
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 customer service
Subissue:
Consumer Complaint: I got my income tax return check. A cashiers check. I deposited into my chase checking account and they informed me that they were holding it for ten days due to information from the issuing bank OR information that they have on me. I called the bank and they referred me to another person who could not tell me WHY they were holding my check for so long. I wasnt. A new customer. I had had my account for several months already. All they could tell me was that the system has put a hold on my funds and because the system automatically put the hood even the president of the bank cant over ride it. They couldnt tell my WHY. They claimed that the system automatically selects random checks to put on hold. I cried on the phone to them asking to just release a portion. Its a tax return check. They lied and told me that the issuing bank told them that the funds would not be available until the 13 ( 10 days away ). The issuing bank told them this is what they claimed to me. So I called the issuing bank and went through the check verification process and their process deemed my check valid and good. Then I called back and got a hold of a human and inquired about whether they said that they told chase bank the funds would not be available. Their statement to me was it is illegal to issue a check and not have the available funds, we do not operate like that. I am afraid your bank isnt being up front with you, I would suggest you speak with them and ask to speak to a supervisor. So I called Chase bank back and told them what the bank had said to me regarding writing a check with out funds. They didnt know what to say. All they said to me was that they cant do anything that I have to wait for the check to clear for 10 days. No resolve.
Company Response:
State: CA
Zip: 96150
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 have two accounts at CHASE, I have been living in XXXX XXXX since 2015, and do not travel often to mainland United States. However I keep these two accounts where I have saved my money. As there are no branches of CHASE in XXXX XXXX the only way I have access to my accounts is through their website. However both my accounts are dormant and I can not access my accounts, but even worse, now, when I access their website it tells me that I do not hold accounts at CHASE, which is not true. I have written emails, and called their service line and the customer service representative told me that my accounts are not active and that i have to fax a letter requesting the activation of both my accounts, which I did back on XX/XX/XXXX of this year. However both my accounts continue to be inactive. I had a relative that lives in XXXX XXXX, Florida, to visit one of the CHASE branches and try and deposit some money to see if that would activate the accounts, but they refused because the accounts are inactive. I called customer service again on XX/XX/XXXX, and they told me that the accounts are inactive and that it will take several weeks to activate. This is not acceptable, i need to access my funds immediately, not when the bank decides that i can. I have {$900.00} in my checking account and {$39000.00} in my savings account. That is almost XXXX XXXX dollars and they substract money every month for service charges.
Company Response:
State: PR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: This occurred on XX/XX/2023 When calling Chase from a different number the auto attendant prompted me to enter either the entire account number or the username. It did not recognized the username and it is a big security issue to give my entire account number. There was no selection to get to a live human being. I finally got to a person by saying my card had been stolen. She saw no problem with me providing an account number over an unsecured phone line. She also was unaware how easy that information could be used for identity theft. This practice should be illegal and Chase needs to have a better auto attendant.
Company Response:
State: NM
Zip: 870XX
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a {$30000.00} JPMorganChase-issued check from XXXX XXXX into my JPMorganChase checking account on Monday, XX/XX/XXXX. The funds were withdrawn from the payors Chase account on Tuesday XX/XX/XXXX. Notwithstanding that, Chase refuses to release the hold and insists on holding the {$30000.00} in its entirety until XX/XX/XXXX. This is extremely abusive of both XXXX XXXX and me as Chase Customers. Neither XXXX XXXX nor I have use of those funds from the time period of XX/XX/XXXX until XX/XX/XXXX. When Chase does this to millions of customers for billions of dollars over the course of a year, it allows Chase to wrongfully and unjustly enrich itself to the tune of millions of dollars at the expense of its customers. Notwithstanding that Chase 's hold might be in technical compliance with Regulation CC, it is unethical and wrongful because Regulation CC was established to protect banks from loss. As in effect today, the hold periods of Reg CC are abused and solely benefit the banks at the expense of customers. Because of electronic check processing which did not exist when the hold periods were established, the lengthy hold periods no longer serve to protect banks from loss as originally intended. The banks abuse the holds to give themselves false cover and enable the banks to unjustly enrich themselves at the expense of customers.
Company Response:
State: CA
Zip: 91748
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have four accounts with Chase Bank - two checking accounts and two savings accounts. My son 's name is on one of the checking accounts but the other three accounts are only in my name. On or about XX/XX/2023, approximately {$5000.00} was pending withdrawal from my checking account and approximately {$1000.00} was pending withdrawal from the checking account that has my name and my son 's name on it. Neither my son nor I made or authorized these withdrawals so I immediately notified Chase Bank and they told me that, because I caught these transactions while they were pending, they would likely be able to stop the withdrawals. They told me they would freeze my accounts. They did not stop these withdrawals and only froze one of my four accounts. The following day, on XX/XX/2023, a female entered a Chase bank branch in Texas and added her name to the four accounts. She used a fake I.D . and impersonated me and withdrew {$10000.00} cash from the teller. I do not know this person and I never authorized anyone else to be on my accounts. I live in Arizona. Over the last 20 days, this person has withdrawn approximately {$62000.00} from my four accounts while I have been unable to access any of my accounts. Chase unfroze my accounts at least three times which is how she has been able to continuously withdraw my entire life savings. Meanwhile, Chase is refusing to investigate until I can convince the police departments in Arizona and Texas to open an investigation and send Chase these documents. I have heard that a bank must investigate suspected fraud within 10 business days and must provide me access to the amount of the stolen funds if they determine that the withdrawals were fraudulent. It has been15 business days since I first notified Chase of the initial fraudulent withdrawals and since then, I have been unable to access any of my money, have only received a credit of {$200.00} from Chase, spent an extensive amount of time talking to Chase representatives in person and on the phone, plus police departments in Arizona ( where I live ) and Texas, plus creditors, and Chase continues to stall and will not provide me access to the amount stolen. Please help me.
Company Response:
State: AZ
Zip: 857XX
Submitted Via: Web
Date Sent: 2023-04-14
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: 2 years ago a credit card show up in my bank chase account appear. It was Amazon prime credit card, I have never used and have never even have the card in hand. This credit show in my account I have call the credit card company they told I have to to do the payment even though my address was never on that card and they won't tell what address the credit card was buying on shipping to. The card has a total of {$1700.00} to pay in it. I also called credit bureau they didn't help me. They won't give me information where everything was sending to. I call every month to fix this and it always same issue. They not helping me. This is causing my credit score to go low I can't apply for credit cards because of this. I told them my address and everything but apparently I'm getting no answer and help.
Company Response:
State: FL
Zip: 33162
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I am a victim of fraudulent charges, unauthorized by me, to recipients that I personally know. Because of that, banks have denied my claims and I am stuck on a wild goose chase between my banking account and it's partner, XXXX, to receive my funds. It has proven to be in vain for I am now denied a claim and any sort of compensation. This all began on the XXXX of XXXX in 2023. {$4000.00} split in XXXX and sent to XXXX of my friends. They immediately sent it back to my account, but it was as if the money disappeared into thin air. Their transaction got approved by XXXX, but it didn't show up in my account. I have made several calls with Chase, my bank, to which they have all been kind but largely unhelpful. I had even scheduled a visit with the bank to change my User ID and my password to prevent this fraud to happen again on my account. I knew that my account was compromised the moment I tried to verify my information on call with an employee. They gave me security questions that I was not able to answer, and as a result, I was not able to get into my account. That was when I had to go to a Chase bank directly. The bank told me that they did not have a " XXXX XXXX '' department and that they were unable to help me, so I am unsure of what to do and how to gain compensation back. Bank tellers have tried to assure me and say that I will receive the money, even if it is by credit and not from the scammer, but I do not have trust in those words after what has been said to me during these last few weeks. I feel hopeless.
Company Response:
State: TX
Zip: 76001
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I sent a XXXX payment for landscaping work and got scammed. There was no show and I have contacted the person with no response. The date of the XXXX payment was XX/XX/2023, the day of the service was scheduled also for XX/XX/2023. The amount was for {$130.00}.
Company Response:
State: IL
Zip: 60638
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A