Date Received: 2023-04-05
Issue: Problem with customer service
Subissue:
Consumer Complaint: My mother had a an account with chase bank and had open me up a student account. She was the primary account holder they then closed her account due to inactivity last year and they had left my account open in which Im confused about because I was a minor. Chase had then charged my account on XX/XX/XXXX of 2023 for {$1500.00} and put me way deep into the negatives on my account for a check my mother had cashed last year in XXXX in the XXXX XXXX app that check had then was XXXX to the XXXXXXXX XXXX XXXX XXXX and cashed as well in which Im confused about .Im making the complaint because they a charging MY account for something that has nothing to do with me and charging my account a year later and for keeping my account open while I was a minor at the time while they had closed my mothers account. Also for not being able to do their job properly because why a whole year later are they just now realizing something this serious
Company Response:
State: IL
Zip: 61701
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I had two checks that were mailed that did not reach their destination and were intercepted and endorsed/cashed fraudulently. The checks were written in XX/XX/XXXX & XX/XX/XXXX, however, I didn't realize that they were forged until XX/XX/XXXX. I initially filed a claim with my bank, CHASE, on XX/XX/XXXX, and have made a follow-up phone call every two weeks since then. I have documentation of those phone calls. Today, I spoke with CHASE and they informed me that they sent a follow-up letter to XXXX XXXX XXXX XXXX where the checks were cashed, today. I was told that they have 90 days to respond to the initial letter that was mailed in XXXX. Today marks 90 days and I was told that I might not hear until XX/XX/XXXX. This is unacceptable because the total amounts are almost {$5000.00} and I am on a fixed income. My XXXX check was for a tax bill which now I'm being charged interest which I am liable for. I am hoping that you can resolve this matter as I am getting nowhere with my financial institution. Thank you, XXXX XXXX XXXX
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: On Saturday, XX/XX/XXXX, I saw a property listed on XXXX XXXX and contacted the seller, " XXXX XXXX '' to ask if I could visit the unit. She asked me to contact " XXXX XXXX, '' the local leasing agent, who responded immediately and set up a visit for Sunday, XX/XX/XXXX at XXXX. He provided the name of his company, his California broker 's license number, and various other points of information that made the transaction seem legitimate. He did not appear at the unit, but called me and provided an access code and directions to an unlocked apartment for viewing. I toured the property with XXXX XXXX on the phone and fell in love with the space. XXXX XXXX stated he would send an application, screening guidelines, deposit instructions, etc. by email for my consideration. I received the application and it seemed fair and legitimate. I provided the requested paystubs, proof of employment, etc. and waited for an answer. XXXX XXXX informed me that my lease was approved and that I could move in on XXXX. He asked that I wire $ XXXXsecurity deposit + {$1500.00} first month 's rent to the property management account to hold the unit until XXXX. This is not an uncommon practice in XXXX XXXX, especially when holding a unit for more than 30 days, so I thought nothing of it. After submitting my payment at XXXX on Monday, XX/XX/XXXX at Chase Bank in person, I confirmed the transaction # with XXXX XXXX and waited for him to confirm my move-in instructions. After 24 hours, I had not heard back from him. I began to suspect something was unusual when I saw the same unit listed on XXXX under a different property company and a different monthly rate ( {$2300.00}. ) I began to research XXXX XXXX and discovered that he did not work for XXXX XXXX XXXX, did not represent this property, and quite possibly was not even XXXX XXXX at all. I traced his number back to a website representing " XXXX XXXX XXXX '' which did not list this property as a site. I believe this website is also an attempt to legitimize the scam operation. As it turns out, XXXX XXXX is impersonating an agent living in northern California, even using that agent 's broker license number to misrepresent his connection to the property! I do not understand how he obtained an access code to the property or keys to the unit, but he most certainly committed fraud on multiple levels, including the collection of a wire transfer under false pretenses. XXXX XXXX finally responded to me on the morning of XXXX and said he would provide a rental receipt " when he got to the office. '' He also said that my agreed-upon move-in date of XX/XX/XXXX was " no longer available per policy '' and that the soonest I could move in was XX/XX/XXXX. I have notified him that is not feasible as I've already given notice at my current rental, and asked to terminate the lease agreement per the printed terms and conditions ( 3-day cancellation prior to arrival date, with a {$100.00} penalty. ) I have not yet heard back from XXXX XXXX. I have reported this to the local police, notified the local FBI office, and filed FTC and IC3 FBI complaints. I contacted Chase Bank and requested a XXXX reversal of the transfer within 24 hours. I also contacted XXXX XXXX, notified them of the fraud, requested a XXXX transfer, and suggested a potential freeze on the receiving account. XXXX XXXX said they were dependent on Chase Bank to direct them ; Chase Bank said that they could not consider the wire transfer to be fraudulent because I initiated it myself. This does not make sense to me. Any purchase, whether I initiated it or not, could ultimately be fraudulent. I would expect the bank to provide consumer protections if a customer had been victimized by a scam. Chase Bank does not seem to be doing anything with my concern at all. Please advise.
Company Response:
State: CA
Zip: 90015
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
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: In XXXX I hired a XXXX to replace my roof. The quote was {$29000.00}. I made an initial deposit by check for {$10000.00}. During the construction, the XXXX failed to file the building permit ( which I am not trying to resolve ) and water leaked into the house. The water destroyed property including a tv, computer, and XXXX. In XXXX on or about the XXXX, the XXXX told me that the job was done and sent me a video of the roof. I could see new shingles and I paid for the roof with a check and a credit card. I put {$5000.00} on my card and made a check for {$14000.00}. This was already accidentally more than the negotiated amount, and more problems quickly surfaced. I looked later and realized that I had overpaid. Then only XXXX days after I ( over ) paid, the roof started to leak water into my bedroom. I contacted to XXXX multiple times and finally he said someone will come over to look at it in a couple days. That was in XXXX. No one has come by. I have paid more than {$5000.00} to fix this problem. The roof was leaking in XXXX distinct places due to negligence on behalf of the XXXX. I filed a dispute with Chase for {$5000.00}. When I filed the dispute, the customer service representative heard my story and filed the dispute, I was given the impression that this would be no problem and my account was credited immediately. However, the merchant responded. The response basically said that I signed for the purchase and therefore I should pay. I received notice from Chase that I needed to respond by XX/XX/XXXX. I was having some difficulty uploading my response, XXXX went to the bank for help. They were able to help me and I realized that I could upload some things from my phone. I went home to finish uploading and called Chase to make sure my uploads were received. They told me that my case was closed (! ) It was still XX/XX/XXXX during business hours in XXXX XXXX. How could they close the case like this? When I told the customer service representative what happened, the case was re-opened and once again I was assured that I have a valid claim. At this point I need to say that my father died XX/XX/XXXX. The days before he died I was basically with family and XXXX waiting for a last breath. The days after were filled with the kind of grief that comes with losing a parent. On XX/XX/XXXX, Chase sent a letter asking for supporting materials. I did not see this letter until around XX/XX/XXXX. It was scarcely a week later. I called in to see what was happening with my case and was told it was rejected. I never had a chance to respond! I needed help at this very difficult time. My case was rejected not on the merit of the claim, but on a technicality. Chase has been inflexible on reopening a case. I am on the hook now for {$5000.00} plus interest. The {$5000.00} originally had a 0 % option which is not an option for me now. So I must pay this right away or be charged interest. I called to request this option since I am on the hook for the {$5000.00} and they said no. Again. Chase does not have my back as a customer. I was treated unfairly. A merchant with such poor service should not win this case. I have plenty of evidence and was not given the opportunity to present it. Instead they had the advantage of XXXX instances of a technicality. Everyone at Chase just politely listens and recites from a script that they cant do anything. No one can do anything.
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have reached out to Chase and XXXX XXXX several times that I live in CA and someone established a mortgage in XXXX. After much research, it appears Chase had the mortgage first and then XXXX XXXX had second This is not my debt please remove it from my credit report. Or provide proof with my wet signature that it is my debt
Company Response:
State: CA
Zip: 946XX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Greetings My name is XXXX XXXX and I am a professional XXXX XXXX XXXX XXXXXXXX and XXXX XXXX licensed cab-driver. I applied for the SBA EIDL in 2020 and was approved for a loan for the amount of {$9000.00} dollars. My funds were disbursed into my Chase Bank personal checking account in XXXX of XXXX. However, I was denied access to those funds because a Chase Bank representative stated that " I was not entitled to that money ''. Essentially since I am not a business owner, I was denied access to my EIDL funds and my bank account was closed. Chase Bank provided me with a check of the amount of money that was in my checking account but not of the SBA loan. Ever since then I have done everything in my power to retrieve those funds. I have called Chase Bank and have visited different branches in order for me to retrieve these funds. Chase Bank representatives keep stating that they sent the funds back to the SBA. However I call the SBA, I keep being told that they never received the funds from Chase Bank. There is too much of a run around when it comes to getting answers and this is my last resort. I find all of this to be unfair because my business suffered economic hardships due to the lockdown. All I am trying to do is know the status of my funds and if I will have access to my funds. I am being asked to make payments toward my EIDL funds that were never received or used by me. I kindly ask that I be assisted with the following issues : 1. I want to know whether or not the SBA or Chase Bank has my funds. 2. If there is a way for me to retrieve this money 3. Finally, if I do not receive these funds anytime soon, if I can be forgiven for this loan amount.
Company Response:
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
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: This company is reporting inaccurate information according to the FCRA are reporting must be 100 % accurate, 100 % verifiable, 100 % complete. This company is reporting account as a Collection, but also an open account which is inaccurate.
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There were a number on unauthorized inquiries on my credit report dated XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 08105
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Sec 602 states I have the right to privacy. 15 USC 1681 Sec 604A Sec 2 it also states a consumer reporting agency can not furnish an account without my written instructions.Under 15 USC 's 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: TX
Zip: 77034
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Chase has locked me out of online access to my card information. I am given no explanation for this. I called customer service and was transferred around from agents XXXX to XXXX to XXXX none of whom could/would solve the problem. XXXX told me she had to ask me a question to authenticate me but didn't have any questions to ask me, so that I had to hang up and call again. Another instance of laughable behavior by a bank and its customer service. Of couse, customer service did not, has not, and has taken no steps to try to solve the issus of their creation.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A