Date Received: 2023-04-04
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XXXX Real time transfer of {$2800.00} created and sent through Chase checking account to XXXX XXXX checking account. Note : Transfers have been made to this exact account before with no modifications or changes made to account information. XXXX Contacted Chase in regards to the real time transfer. Chase stated that it has to be on XXXX XXXXXXXX XXXX side of the transfer because it has completely cleared the Chase account. Contacted XXXX XXXX and provided them with the transaction ID and other transfer information. After approximately XXXX minutes of searching on XXXX XXXX XXXX side, XXXX XXXX was unable to locate the transfer anywhere within any of their systems. Contacted Chase again they said to wait 24-48 hours from when the transaction was performed and if it was not in the account by XXXXXXXX XXXX EST on XX/XX/2023 to re contact Chase and submit a dispute on the transfer. XXXX XXXX account as been checked approximately- 50-60 times within this time frame and funds have not arrived to the account. XXXX After verifying that the funds have not reached the XXXX XXXX account, I re contacted Chase again. Chase customer service representative began rechecking everything that they have previously checked. And informed me, yet again, that I would have to submit a dispute with their claims department. Chase transferred me to the claims department. The claims department states that they can not assist me or submit a dispute because the money has cleared Chase Bank. I called XXXX XXXX to have them double check that they can not locate the transfer via the transfer number. The XXXX XXXX customer service supervisor informed me that there should be a XXXX digit trace id associated with the real time transfer and they would be able to check on the status of that transfer with that number but I would have to contact Chase to get the trace ID. I contacted Chase again to get the trace ID number. I was sent to a customer service representative. The customer service representative stated that the claims department would have to file a dispute against the transfer. I got transferred to the claims department again. The claims department stated yet again that they would be unable to dispute the transfer because it has left Chase bank. I then requested to be transferred to the supervisor. I explained the situation to the Chase supervisor and asked for her to look into the situation deeper as well as provide me with the trace id that should be linked with this transfer. The Chase Supervisor stated that for some reason there is no trace id linked to the transfer but she can see it on previous transfers performed. She then told me that it would be submitted as a claim to the research department and they would investigate into it further. Chase Supervisor then provided me with a claim number and stated that they would call me in 2-3 days. XX/XX/2023 at XXXX XXXX EST- Chase failed to contact me within the allotted time frame. So I called Chase customer service again. Spoke with a customer service representative and requested to be transferred to the research department. The customer service representative transferred me to the claims department instead. I provided them with the claim number and they stated that that claim does not exist within their system but they could see that I had called in regards to the {$2800.00} transfer performed on XX/XX/2023. Once again the claims team put me on hold to " investigate '' then continued to tell me that their is nothing they can do. I requested to be transferred to a supervisor and was placed on a brief hold and somebody answered the phone. I requested their name and position within the company and he provided his name and position which was just a customer service representative and not supervisor. He then transferred me to a supervisor. The supervisor requested the claim number and saw that there was no updates on the claim. He expedited the claim and stated that Chase 's research team would reach out to me in a couple of hours and provided me with the expedited claim number. XX/XX/2023 at approximately XXXX XXXX EST- The Chase research team reached out to me again and stated that they can not contact XXXX XXXX to verify the funds never arrived into the XXXX XXXX account, even though the XXXX accounts are linked. They claim that they are " not allowed to '' according to the research department. I was then told he will speak with the claims department personally and explain the situation with them to verify that they can help. I was then placed on hold for approx. 10mins and then transferred to the claims department again. Claims department, yet again, stated that they can not proceed with the dispute because it is not their problem. I then proceeded asking if I go to a physical Chase location and provide them with the transaction history of my XXXX XXXX account if they will be able to dispute the transfer and return the {$2800.00} to my Chase bank account. The claims department member stated that yes, if I prove that the {$2800.00} transfer is not in the transaction history of my XXXX XXXX account, then they would be able to proceed with a dispute. Chase provided me with another claim number and a fax number and instructed me to wait another 2-3 business days after the XXXX XXXX transaction history is submitted at a physical Chase Banks location. I will then have to call yet again and then begin the dispute process. At this point, my money will have been missing for over 10 days.
Company Response:
State: FL
Zip: 33442
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: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2023 I requested XXXX to wire transfer $ XXXX, xxx.xx USD from my account to my savings account at Chase Bank. Unfortunately the monies never arrived. I mistakenly inserted the wrong XXXX XXXX account number as follows XXXX, the underline denotes a number missing. However it should have been the correct account number as follows XXXX. I notified XXXX of what happened and requested that they contact Chase to have Chase to return or credit the money to my account. On XXXX XX/XX/2023 XXXX submitted the correct documentation to Chase. Neither XXXX nor I have yet to receive any response from Chase that they had received XXXX request. A number of weeks and during the past weeks XXXX tried contacting chase numerous times but no response by phone and e-mails. In the meantime, I requested my Private Client banker ; XXXX XXXX XXXX XXXX and Branch XXXX XXXX XXXX XXXX if they would assist me in having Chase return the money. Their reply was that they could not since it is up to XXXX to initiate the process. I also asked XXXX XXXX and XXXX XXXX several times if there was an account anywhere in Chase with the afore mentioned incorrect number, and both replied that they could not do this due to privacy concerns. I attempted numerous times to contact Chase Wire Transfer Department and as soon as I gave them the my correct account number, I was transferred to someone in XXXX XXXX Department even though I mentioned several times that this was concerning a Wire Transfer and not a Private Client matter, it fell on deaf ears. On, XXXX XX/XX/2023 morning, I sat with XXXX XXXX XXXX Manager-Client Relationship Support for more than an hour trying to contact someone from Chase to help us, we were spun all over the place and nothing happened again. XXXX XXXX also tried to contact XXXX XXXX XXXX Chase XXXX XXXX at XXXX and had to leave a message with her secretary, XXXX XXXX nor I, have not had any response to the numerous requests. Please understand that I am a Senior Citizen and XXXX XXXX Veteran suffering from XXXX, amongst other things ; I find the afore mentioned very frustrating and difficult to deal with. I am requesting that someone in Chase look into this matter and respond to me or XXXX XXXX of the status of my money. Thank you
Company Response:
State: FL
Zip: XXXXX
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: 2023-04-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX I was a victim of fraud when my Chase home-equity line of credit was accessed to withdraw {$4500.00} and transfer funds to a XXXX account ending in XXXX. This was done on line using my stolen user name and password. An investigation was initiated and 5 months later, today, I was given its resolution, which was that such transaction did not classify as fraud because it had been made on line with my user name and password. I did not make any such withdrawal so I disputed this decision. I immediately called the XXXX XXXX, which requires a complete account number for me to recover my funds. Chase claims they don't have it. XXXX XXXX also operates as XXXXXXXX XXXX in XXXX. It is FDIC insured and has routing number XXXX, I want to strongly complain about Chase Bank for their poor handling of my claim, which took 5 months to resolve. XXXX XXXX is a domestic institution and they should have done more to protect me, their good-standing customer.
Company Response:
State: FL
Zip: 33186
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XXXX at Chase Executive Offices XXXX XXXX was the last person I heard from [ a single voicemail left for me and she was and continues to be unresponsive to my follow up inquiry 's ] regarding this ongoing matter [ but there have been 4 or 5 people ; all except XXXX whom never issued a written synopsis of findings and XXXX 's report was quickly disputed again as a violation of law ] an issue which I contend is a violation of Law { FDCRA and FDCA }. Previously I received a bill indicating a charge of {$7.00} resulting from the investigation into disputed charges ( lastly the {$18.00} recorded on the pdf attachments ) all of my disputed charges have been or were dissolved. Now there appears to be that sum of {$7.00} resulting from that final disputed amount { I believe is interest from that time under which the company was obligated to investigate the disputed items or another unlawful fee } that no one wishes to address but instead mailed the attached threat of " Action Neede '' '' : please make payment right away. '' Frivolous on several grounds aside from ( 1 ) the debt is not mine, ( 2 ) not a product of a purchase, ( 3 ) can not be interest as ( 4 ) I never carried a balance, ( 5 ) I do not have that ( 6 ) " credit card account that they refer to as " past due and would like to see " you '' get back on track '' and praying for payment right away without any indication of the genesis of that debt which they also call the ( a ) " past-due '' amount and ( b ) current monthly payment ( c ) that may have resulted from ( d1 ) previous purchases, ( e1 ) balance transfers, ( f1 ) interest charges and/or ( g1 ) fees. Well heck if it is multiple guess, I choose none of the above it results from violations of law nothing less and it needs to be fully expunged immediately!.
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: On XX/XX/XXXX I asked for and received a link sent by Chase to open a checking account. I completed the information and was denied. There was no explanation as to why I was denied. I contacted ChaseSupport on XXXX and they said " after further review, it appears we'll need to speak with you for further support. '' I called the number they provided on XXXX at XXXX. After eleven minutes, the customer service person said they could not provide information about why I was denied. They transferred me to their escalation department, who reiterated that they could provide no information. The escalation person then suggested I go into a branch - not to find out what happened, but to try to open an account. Prior to applying to Chase, I asked Chase whether my XXXX score of XXXX or XXXX bankruptcy discharge would result in a denial. They encourage me to apply on the basis that they consider many other factors. Their application, however, asked only for my name, address, phone number, SSN. date of birth. They did not ask for my income nor any employment information. This suggests that, contrary to their assertion, they look ONLY at credit information. The XXXX file on me shows appears clear, depending on how you define that. The issues : XXXX ) Chase refused/declined to provide reasons for the checking account denial when timely asked both through private message on social media and through telephone contact with their customer service. XXXX ) Prior to submitting my application, Chase asked for my authorization to obtain credit information and its obligations to provide reasons under the FCRA have been breached. XXXX ) Worse, perhaps, is that based on my experience, Chase seems to have a systemic method of refusing provide reasons for checking account opening denials, or, if that is technically not the case, they make the process so onerous to obtain the information guaranteed by the FCRA ( i.e. reasons ) that it amounts to a denial to provide reasons. I have kept screen captures of all XXXX interactions and recorded the phone call with Chase ( during which they indicated that the calls were recorded, so there is no consent issue ).
Company Response:
State: VA
Zip: 232XX
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: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am writing to dispute the late payment reported on my account with Chase Bank. I called the auto attendant on the phone and was given two payment options, one to pay the minimum amount and the other to pay the full amount. I chose to pay the full amount. In XXXX, I used the card again and made a payment, but when I checked in XXXX, I discovered that the payment was reported as late. I was traveling at the time and did not receive any notification from Chase Bank regarding the late payment. I sent a dispute letter by fax machine, explaining that the phone system misled me into believing that I had made a timely payment. However, I received a letter from Chase Bank stating that they could not remove the late payment. Furthermore, the letter stated that they would mark me as late if two consecutive payments were missed. As evidence of my payment history, please refer to the following statements : On XX/XX/XXXX, I paid {$6600.00} to pay off the account by making a phone payment. On XX/XX/XXXX, a {$40.00} late fee was charged. On XX/XX/XXXX, {$100.00} interest was added. On XX/XX/XXXX, a payment of {$140.00} was due to interest and late payment. On XX/XX/XXXX, I made a {$700.00} phone payment with a phone representative. It is clear from the payment history that I have made every effort to pay on time and in full. The late payment was the result of the misleading information provided by the phone system, which was beyond my control. Furthermore, it is unfair and unjust to report me as late when I have made every effort to make timely payments. In addition, I believe that Chase Bank may have violated California and federal laws, including but not limited to the California XXXX Fair Debt Collection Practices Act and the Fair Credit Reporting Act. These laws prohibit debt collectors from making false, misleading, or deceptive statements in connection with debt collection, and require them to provide accurate and complete information to credit reporting agencies. I am writing to request that you remove the late payment from my credit report and correct any erroneous information that has been reported. I am authorizing you to respond to me through the CFPB website. Please provide me with written confirmation that the late payment has been removed from my credit report. Thank you for your attention to this matter. I look forward to your prompt response.
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
Date Received: 2023-04-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I filed a claim with the Bank for {$2500.00} for a payment to court ( bail fee for a family member ) The total amount that was charged by court was {$2600.00} I authorized the transaction but court was supposed to refund {$2500.00} ( total bail payment minus transaction fee ) upon court appearance but they failed to do that, so I called Chase to file a claim for the {$2500.00}. Chase made a mistake on the amount I was disputing and requested the total amount {$2600.00} instead of {$2500.00} and they failed to resolved the claim sending me supporting docs showing I authorized the charge which I never deny. I called Chase to file a claim not for an amount I didnt authorize but for an amount that I authorized and then was supposed to be later refunded to me. I called to get the dispute reopen and they told me to do it at a branch. Then I go to the branch to do it and they told me I just need to type up a letter explaining why I want the dispute to be reopened which I could have done from my house instead of going to the branch. The branch was supposed to fax the letter to Chase claim depart but unable to reproduce a fax receipt ( what a joke ) After visiting the branch, trip I could have saved, I called Chase claim depart to ask if they have received the fax from the branch and still were not able to answer, they said it takes 3-4 days for them to see the faxes as it goes first to another team which have to upload docs ( one again very inefficient ). I asked to speak with a manager who was not very nice either. Now they put a remark on my credit report which is affecting my score that states " consumer disputes after resolution ' what the heck resolution is that? I find the Chase claim depart very inefficient and I am demanding the remark to be deleted as I am just trying to get the dispute reopened because Chase made a mistake and came up to a wrong conclusion/ resolution.
Company Response:
State: AZ
Zip: 85018
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I was paid my work check from XXXX XXXX XXXX XXXX through XXXX and my account was flagged a money was so called returned. My boss never received any money back to his account where the money was took from. Now I am out of a work check due to Chase Bank And I am having too much of an issue receiving my payment.
Company Response:
State: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have two complaints. These two inquiries showed up in my XXXX XXXX report. Both are hard inquiries using my personal information without my knowledge or consent. The first one was made on XX/XX/XXXX XXXX with JPMCB Card Services for which I believe is a Bank loan. that The address and phone number is listed as follows : JPMCB Card Services, XXXX XXXX XXXX, XXXX, DE XXXX. Phone number is XXXX. The second inquiry dated XX/XX/ is XXXX XXXX XXXX with an address of XXXX XXXX XXXX XXXX, XXXX XXXX, SD and phone number is XXXX. I personally feel that it is the same two individuals that attempted to secure the previous accounts.
Company Response:
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
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: I purchase an aircraft part on XX/XX/2023, from a now proven fraudulent website that has since closed down using my Visa credit card. Because the merchant only accepted payment via XXXX for the merchandise, with a Link they provided, I used my credit card to make that payment of {$2000.00} for the aviation parts through the merchants XXXX link he provided. I have a detailed receipt/invoice from this merchant for the goods I purchased. The Seller 's website was closed down due to being fraudulent and my credit card company will not dispute the charge. They claim because XXXX was used by the merchant, they can not dispute that charge. However, on the XXXX website, it says if you have a dispute feel free to contact your credit card company and do a chargeback. So now neither XXXX or my credit card company will dispute the charge of {$2000.00}. I was also charged a transaction fee of {$60.00}. XXXX does show my transaction as a purchase of goods. I just reported this merchant to the police and the FBI. The police report will be available in a few days.
Company Response:
State: MA
Zip: 025XX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A