Date Received: 2023-04-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: on XX/XX/2023, chase bank removed all the funds from my checking account and closed my account. I tried numerous times to talk to them but they won't do anything. They said that the writer of the check ( my employer ) did not have a matching phone number associated with the company or something along those lines. I had my employer on the line and we verified everything with them, even showing some extremely private documents of the employer, but because the phone number did not match the phone number in their database ( which is wrong in their database ) no amount of talking would get the bankers at chase to reconsider. Also, the funds had been cleared from my employers account no problem, the check was funded etc. They just haven't returned the money in the check to myself or my employer.
Company Response:
State: NY
Zip: 11220
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On about XX/XX/XXXX I took out a loan to purchase a house with XXXX XXXX XXXX in the amount of {$350000.00}. At the time I only put 15 % down which required me to get PMI on the loan. The plan was always to improve the subject property and I was specifically told by my lender , XXXX XXXX XXXX, prior to closing on the loan that I could have the PMI removed at any time if the then appraised value of the property resulted in an LTV of at least 80 %. This agreement is further evidenced by the specific PMI removal instructions XXXX XXXX XXXX sent me on XX/XX/XXXX. Sometime earlier this year Chase acquired my loan from XXXX XXXX XXXX After being made aware that my loan had been sold to Chase I contacted Chase to find out how to start the PMI removal process. On XX/XX/XXXX Chase sent me a letter outlining a completely different set of PMI removal terms which, among other things, provides that : ( a ) I am not eligible to have the PMI removed if the loan is less than XXXX years old ; and ( b ) that in order to have the PMI removed at any time the then appraised value of the property must result in an LTV of at least 70 %. As provided above, the PMI removal terms given from Chase are substantially different from the terms given by my original lender XXXX XXXX XXXX XXXX I have repeatedly tried to explain this to Chase 's representatives and have even sent them a copy of the PMI removal term letter I received from XXXX XXXX XXXX After over a month of back and forth Chase still refuses to honor my original PMI removal terms. The PMI removal terms given to me by my original lender, XXXX XXXX XXXX, were in place at least as of XX/XX/XXXX when the letter was sent to me. Chase subsequently acquired that loan and therefore takes it subject to all of the agreements and obligations of the original lender including these PMI removal terms. Therefore they should be required to honor the PMI removal terms that were given to me by XXXX XXXX XXXX in the XX/XX/XXXX letter. For clarity here, XXXX XXXX XXXX was not simply a servicer of my loan, they were the original named lender on my loan.
Company Response:
State: IL
Zip: 60448
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made a deposit at the Chase ATM and there was a problem, they gave me a receipt that said to call a number to check that my deposit was made correctly, I called that number and they told me that they were going to give me a credit, while they checked if the money was in the ATM, and I said Okay. Later they told me that the technician checked and that the money was not in the ATM, and I told them that it was wrong because I deposited the money, that they should check the cameras of the bank and the ATM and they said that they could not do that and I told them that Since they couldn't review that and then what could I do and they said that nothing else can be done, that was all. And then I told them where my money is and the lady who helped me said that she didn't know anything, and that she didn't have any more information than that it was all she had in her notes. Note : this problem had already happened before and the money always appeared. The drive true ATMs are always out of order in the 2 branches in the area where I live and the only one that works sometimes is the one inside the bank. And I think that this time the money " disappeared '' because I put some reviews on XXXX maps telling the truth, but they were negative comments towards the institution and I think they didn't like it very much.
Company Response:
State: TX
Zip: 77521
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I pay for XXXX alert which notifies me of anyone running my credit. Yesterday JPMCB CARD SERV. ran my credit. They told me Chase opened an account ending in XXXX in my name. Chase has since closed that account.
Company Response:
State: PA
Zip: 159XX
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I opened a new checking account at my local Chase Bank branch on approximately XX/XX/22. To fund this account I provided a series of checks, most of which were reimbursement checks from my health insurance company, XXXX XXXX. Specifically, 5 checks for the amount of ~ {$2800.00}. When I went to use this account about a month or so later I discovered that all the money had been withdrawn from my account. Concerned about this, I called Chase to report likely a fraudulent withdrawal. Chase stated that they had discovered the checks from XXXX XXXX were potentially fraudulent, and therefore had closed my account. They also claimed to have sent me physical mail notifying me of this, however I never received such notification. After escalation, Chase stated that they needed a verification for XXXX XXXX so that they could call and confirm the checks were not fraudulent. The number they had on file they stated was not working. There were many back and forth conversations between myself and Chase, and myself and XXXX XXXX, in order to try to obtain this number. XXXX XXXX failed to provide this for me, and eventually I gave up and just requested that the checks be reissued so that I could an account at a separate bank. At this point, XXXX XXXX confirmed they could not reissue the checks as the money had actually been withdrawn from their XXXX XXXX account by Chase. Since Chase had cashed the checks, money had been transferred and it was therefore impossible to reissue them. I once again contacted Chase to confirm this, and they admitted that they were indeed holding the money. But even after escalation in their customer complaint department, they are refusing to return it to me or XXXX XXXX without a verification number. They have also multiple times stated that it is my ( the consumer 's ) responsibility to obtain this number. I re-escalated this request with XXXX XXXX, however have been unable to obtain a verification number to this date.
Company Response:
State: VT
Zip: 054XX
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Thank you for reviewing. I was charged up to 6 overdraft fees per day for 2 weeks by my bank, Chase, with no notifications and wrong information from their representatives. I was unaware that my account was overdrawn until I happened to look, as my card activity did not change and I received no notifications during this time. These charges are excessive as a debit card should only let you take out what is in the account and extend credit for a few transactions. There has always been a limit to how much of the banks money is being spent to cover an overdraft and when the customer is notified/cut off. There was no evidence that Chase was trying to alert me to stop this problem during and even after I explicitly asked for a solution. It was clear that they wanted me to keep spending so I could be charged, as if I was using a credit card. The charges are excessive in number and balance and the lack of notification/assistance is predatory. The function of a debit card is to limit the amount of XXXX XXXX is given to debit card holder. I was given excessive credit I did not agree to. It was very difficult to locate the only option you can select to be notified of an overdrawn account. The only way that a Chase customer can be notified that they are overdrawn is by going down a 4 click path to a list of settings in light grey font. Out of the 15 notifications, only one of them says to be notified when account is overdrawn and it is buried in the middle of the options. This is very difficult to find on your own and the other settings are misleading ex : Notify me when my account is over {$.00} Also, when asking multiple times how to stop transactions from coming though, the response was to lock my card which only stopped card payments from coming through, not for the account, which is what I explicitly asked about. Total Charges : 29 = {$960.00} Charges Forgiven : 6 = {$200.00} Overdraft Fees paid : 23 = {$760.00} Relative Timeline XX/XX/XXXX {$2500.00} Check bounced after it was accepted into an account and I was charged overdraft fees. I went into the XXXX, CT branch and asked the representative how I could avoid this. She assured me she had put email alerts on my account so I would know if my account is in the negative in the future. XX/XX/XXXX - Attempted to deposit a check via mobile and it did not go through ( I take full responsibility for not noticing this failure and agree that I should be charged overdraft fees for the next 48 hours transactions from this failure ) XX/XX/XXXX - First time overdrawn XX/XX/XXXX Realized that my account was overdrawn ( Sunday ) XX/XX/XXXX Went to XXXX, CT branch and spoke with a representative. We reviewed the charges and she gave me back 3 overdraft fees. She called customer service to see if she could give me more where they told her I would have to call them directly. I asked her how to stop the charges coming in and she walked me through how to lock my card from my phone ( which I believed to be the answer to my question but it was not. ) She instructed me to call Customer Service and escalate this to see if I could get back more overdraft charges. She was very nice and seemed that she truly wanted to help. XX/XX/XXXX Noticed new overdraft charges. Called customer service and asked them what I needed to do to stop the charges and theyre response was to escalate this to a manager and lock my card. They created a ticket and gave me a ticket number with no follow up. Later, I received 5 letters in the mail that day all at once letting me know I was overdrawn. This was the first notification I got from Chase about my account being overdrawn even though I was getting emails from Chase every few days about unrelated promotions. XX/XX/XXXX Noticed even more new overdraft charges and called Customer Service to follow up on Ticket. The ticket they filed was a complaint, not a case, and learned that no one would have followed up with me if I didnt call. Spoke to someone and they gave me 3 more charges back and told me they would not give me more back without representation. I asked them how to stop the charges and they said bring your account to a positive and shutting down your account is the only way. This was the first time someone had given me an honest answer to the question I had desperately asked 3 times. Chase was sending me other emails for promotion which shows their priority is notifying their customer of more ways to give them money, not in the best interest of their customers own financial health. I asked multiple times how to avoid further fees and was given bad information 3 out of 4 times which resulted in more fees. There was no limit to when Chase was going to alert me and stop transactions from happening. I connected my card to a third party payment system ( XXXX XXXX ) and now they will alert me every time the card is used with the existing balance.
Company Response:
State: CT
Zip: 06492
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Chase via XXXX has not paid out the remaining funds in the escrow account following a fire on XX/XX/XXXX. Chase still is retaining funds in the amount of {$5000.00} without payment of interest and delaying my payment to vendors. My mortgage was transferred to Chase from XXXX on XX/XX/XXXX. Chase via XXXX refused to schedule an inspection for the first XXXX weeks following my loan transfer. I called XXXX on XX/XX/XXXX was told that an inspector would be assigned and contact me in 5 days. I was not contacted in the XXXX business days after this call as promised. Then I was contacted by an inspector via text on XX/XX/XXXX at XXXX PM. I called back and left a message and then did not receive a subsequent call back. After waiting a substantial amount of time, I called on XX/XX/XXXX and cancelled the in person inspection in order to schedule a virtual inspection. Chase via XXXX only offered me a date for inspection on XX/XX/XXXX at XXXX PM. This was almost XXXX XXXX months after my loan was transferred. I can not rent the property until this inspection is complete. To summarize, Chase via XXXX unnecessarily escrowed my funds and refused to pay them out as agreed by making scheduling for inspection highly difficult. This action directly benefits Chase as they are able to accrue interest on escrow funds.
Company Response:
State: MO
Zip: 647XX
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: JPMorgan Chase bank has used abusive, deceptive, and unfair collection practices. I sent chase a notice of dispute and debt validation letter on XX/XX/2023, they responded with monthly statements on XX/XX/2023, which does not fulfill the requirements of validation or prove the alleged debt is owed pursuant to 15 USC 1692g, I then found several violations in the statements & docs sent by chase. I then sent a cease & desist and an affidavit of fact stating how I was violated along with evidence of violations & invoice for the violations. Chase bank failed to validate the alleged debt owed as well as knowingly, furnished an unvalidated debt on my consumer reports, they ignored my cease & desist, invoice, as well as my affidavit of fact. An unrebutted affidavit stands as truth.
Company Response:
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Fraud or scam
Subissue:
Consumer Complaint: I called my bank to let them know two XXXX charges were fraudulently completed using my bank account information. I confirmed that I didn't know who the recipients were. The two charges debited by XXXX were on XX/XX/2022. One charge was to a XXXX XXXX for {$200.00} and another was to XXXX XXXX for {$900.00}, both on the same day. I called my bank and confirmed fraud, and they said they would look into it. They denied my claim, saying that I did it. I called back and let them know I have absolutely no connection to these people and would not authorize such a charge. They closed my file without doing anything else about it or even looking into it.
Company Response:
State: CA
Zip: 92124
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made a deposit on Thursday XX/XX/XXXX. Some of the funds were available next day. Paid 2 bills and went to the store. Went to check out and my card was denied. Called Chase and I was informed that there was a hold placed on my account due to fraudulant activity. They told me to go into a branch to show proof that the third party in the check I deposited had died. So I showed them the coroners website and the info they were requesting was a matter of public record. And showed them how to easily look it up tbemselves. The teller was very unprofessional and rude. Claimed that was not good enough. Gave me a number to call. So i go home, call the number and they told me that the Coroners website is not good enough. Said now I needed to get a death certificate. That didnt make any sense to me since the death certificate comes from the coronor but the coronor website was not credible. So monday comes and I took off work. Already- {$200.00} and had to borrow money to pay for this death certificate because I cant get into my bank account. So now - {$240.00} in on this. I get the death certificate, take it back down to that branch and get the same rude teller. She acts like its of no importance and says she will get it sent over some time this week. I tried to inform her that while she is taking her time, I have bills that are now accruing late charges. So I go back home, few hours go by and no word. So I call in and of course, it didnt get sent over so I got the fax number and sent it myself. They finally got it after the 3rd time sending it. Now a different representative js telling me that I didnt need a death certificate and now need something else. Enraged, I asked to speak to a supervisor. She said ok then hung up on me. 3rd time that day i was hung up on. So now here we are, 5 days later, still hold on my account, tried sending messages in the app because calling is getting me nowhere. But i just get a bot responding and referring me to a different department. Check has been cashed and cleared. Just sitting in my account but cant access my own account. Cant pay my bills. Cant even put gas in my truck to go to work. I have cashed countless third party checks before I started banking with Chase and never had a single problem. Im not a felon nor do I have anything fraudulant on my record. I have a low credit score at the moment due to my identity being stolen but its getting sorted out. Im a small business owner and a homeowner. Not sure why this is happening but this isnt the first problem I have had with this branch. There was an incident at XXXX where I was being accused of fraudulant activity trying to cash a check from my father who has a chase account as well and we have the same last name. Made me send the check back to him and have him write a different one. I let it go and now here we are again. My business requires me to keep an XXXX # and a clean record. This constant accusations of fraudulant activity is devastating to me and my company. If this is the kind of service that I pay Chase monthly to even have an account for then Im gon na have to reconsider keeping this account open. Im getting ready to sell my house and use funds from my XXXX XXXX account to buy more properties for rentals and thought Chase would be a good bank to back me in this venture but doesnt sound like they even want me as a customer especially when im treated as not welcome by the local branch. Hope to put this behind us quick and move on whether the be in the same direction or part ways. Thanks
Company Response:
State: OH
Zip: 44708
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A