Date Received: 2023-04-03
Issue: Other transaction problem
Subissue:
Consumer Complaint: I requested an international wire transfer on XX/XX/23 for {$500.00} to be sent using the Chase template. This wire transfer was destined to an individual in XXXX as a charity donation for refugee assistance and relocation support. Chase placed a hold on the wire transfer the same day and has not provided any communication or updates on this transfer since. It is now XXXX and I have made several attempts to contact Chase regarding the transfer via phone ( twice ) and email/message with no progress. There has been no communication with me since XX/XX/23 and the funds are still on hold. I feel like I'm completely powerless to do anything about this.
Company Response:
State: TX
Zip: 75002
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I opened my Chase Private Client account online in XXXX. The nearest branch was more than XXXX miles away from where I lived at the time. This account requires a minimum balance to avoid a {$35.00} minimum monthly fee. I've been charged hundreds of $ in fees since I wasn't able to maintain the required balance and Chase refuses to change my checking type to another type not requiring a minimum balance without me physically coming in to a branch. I'm traveling and work during business hours and unable to come in to a branch to do so and have made several phone, email, online message attempts to change the account, but Chase requires me to physically come in to change the account type while I'm being charged hundreds of $ in fees. If they're able to open an account online, why can't they close or change one. This is a perfect example of a big bank abusing it's customers and making revenue out of it.
Company Response:
State: TX
Zip: 75002
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I would like to log a complain for discrimination or for unfair treatment The facts are as follows : My family has been banking with Chase for over 35 years, since 1987. At that time the bank was called XXXX XXXX and later changed to Chase. In all that time we never had any issues with the bank. We currently have savings, checking, investments, IRA, Roth IRA and mortgage accounts with them. Recently on XX/XX/XXXX, while visiting my aging mother, I received a call to let me know that my accounts, that included the name of son, will be closed. They provided no reason. I made several calls back to try to understand the problem, which I assume was a misunderstanding and got no response. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Some of his payments are in cash but he has engaged a law firm and an account to make sure he is doing everything within the law and it is properly reported to the IRS. Recently he finally managed to incorporate his business and open a business account, with XXXX. We obviously are of XXXX descend as can be seem clearly from our names and surname. We have encountered discrimination based on our names from several areas in the past from ignorant bigoted individuals and some businesses but for a well-respected institution such as Chase bank that have had a business relationship with us for decades is totally shocking and unacceptable. My only conclusion is that Chase bank officials have decided to stereotype my family as XXXX criminals rather that ask questions or even for proof that our transactions are legitimate and within the law. Chase bank officials have decided to close the accounts and hurt my son business because being XXXX he must be a criminal. I would like to know exactly why they are doing this I believe that I at least deserve the courtesy of a clear and honest reply. We have done nothing wrong and it is a huge inconvenience to start opening accounts with other institutions to transfer our accounts. In fact, I demand a written explanation for this behavior. I appreciate your help on getting a response from Chase Bank on this matter Thanks for your attention and any help you can provide
Company Response:
State: FL
Zip: XXXXX
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: Problem with customer service
Subissue:
Consumer Complaint: My name is XXXX XXXX I am with Chase Bank since XXXX they put a red XXXX day late on my credit report for XXXX and it wasnt XXXX that was late it was XXXX and it was because we had a National disaster of over XXXX inches of snow which shut the mountain down for XXXX weeks which made me late on getting my payment and I asked for forgiveness and they wouldnt and I told him that they have the XXXX day late on XXXX and it wasnt XXXX XXXX days late it was XXXX and I was asking for a pardon on XXXX please could you help me fix this?
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: {$250.00} a month was being withdrawn from my checking account from a tax relief company. The company ( I dont want to get the name of the company from my bank app because Im overdrawn an enormous amount of money. Its too painful and has caused my perfect payment record to plummet! Im so distressed! ) XXXX XXXXtold me I would get a refund because they couldnt help me. The only thing that went on between me and the tax relief company were conversations. The IRS applied my return to my debt. The company failed to do what they promised/led me to believe. As a result, I called Chase Bank, stopped the automatic payments and Chase calculated the money I would be refunded and added the amount back to my account. Now, Chase has taken the money back, my account is overdrawn an enormous amount & this is causing a snowball effect plunging me into trouble! Ive contacted companies to stop automatic payments but because my account is overdrawn I cant pay them. I add money to my Chase account from another to pay my bills. I cant even afford to do that. I was getting direct deposit to my accounts from my job but I havent worked due to a coworker having XXXX! Hopefully Ill be back at work this monthXXXX XXXX-but I dont know when. Ill have to change banks and pay Chase on a weekly basis based on what I can afford when/if I can return to work. Please, give my money back. Chase can get their money back from the tax relief company that took mine. Thank you-XXXX XXXX
Company Response:
State: CA
Zip: 91405
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with 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: Re : Account ending in XXXX Transaction : XXXX {$1000.00}, XX/XX/XXXX. This transaction is for a flight reservation. I tested positive for XXXX before my departure and couldnt travel. The airlines policy allows for a full refund in this case. After many unsuccessful communications with XXXX and a complaint I filed with the department of transportation that, to date, went unanswered, I opened a dispute with Chase Bank on XX/XX/XXXX On XX/XX/XXXX, I received a 36 pages electronic letter from Chase stating : -We consider the disputed charge valid. We can't confirm that you're due a credit because the merchant has no record of you canceling the request within policy guidelines. -On page XX/XX/XXXX ; in the document provided to Chase by XXXX XXXX The merchant stated that I'd been advised to send them a copy of my XXXX report so they can request a refund waiver from the airlines. Please refer to the attached letter, page 6. On XX/XX/XXXX, I sent XXXX my positive XXXX report as requested. On XX/XX/XXXXXXXX XXXX then requested another report with a QR code. I sent them this test as requested. However, I never heard back from XXXX and I still didnt receive a refund. A copy of my email conversation with XXXX is attached. I called Chase Bank to re-open this dispute. The agent requested that I upload a copy of my email conversation with XXXX. As you can see, the email communication shows that I indeed sent the merchant the requested positive XXXX test with the QR code. On XX/XX/XXXXXXXX I received an electronic letter from Chase Bank stating : We confirmed that the transactions you disputed are valid. While you may have a valid complaint with the merchant, the results of our investigation confirm that the transactions are valid and no billing error occurred on your account. Chase Bank violated our card agreement here and didnt handle the case correctly : -The merchant acknowledged to Chase Bank that I'd be receiving a refund waiver upon providing my positive XXXX test. -I provided Chase with a copy of my email communication with the merchant showing that Ive provided the positive XXXX test as requested. - Chase Bank used the wrong reason code for this dispute. Chase used code 13.7 Canceled Merchandise/Services, while the correct code is 13.6 Credit Not Processed. -Chase Bank didnt provide any documents showing that Im not owed a refund. The merchant must be contacted again to challenge the dispute.
Company Response:
State: NC
Zip: 27713
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: 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: On XX/XX/XXXX I was ready to being my trip to XXXX I had been planning for months. I booked on XXXX because I was led to the site by XXXX which I have never had an issue with. On the day of my flight I was informed that my flight had been cancelled. The only way to guarantee a quick refund by XXXX I was informed by the agent was to book another flight. Three different flights had been cancelled day of, when speaking directly with the airline they had told me that they had notified all 3rd party agencies days before. On XX/XX/XXXX I thought I was finally going to be able to fly but when I reached the check in after ubering to XXXX and waiting in line... I was told I was never issued a ticket. I called XXXX once again where they told me to buy the same ticket for the next day but it was sold out. It is their policy that if they fail to issue a ticket they will cover the difference of the next one. Since they failed to notify me ahead of time and all flights were full that had the same route from XXXX I was told to buy the next most convenient ticket so that I could get to XXXX ASAP. This ticket was expensive, I have never made a purchase that large so I made sure to call back 4 times before purchasing. I felt safe then because they all said they could see the note to upper management stating I could book the flight and get the difference refunded. The next morning I was ready to take the flight but I wanted to call and make sure I was set to go before going all the way to the airport. I began to panic when the agent told me she did not see any notes on my account and I could no longer get the difference back. This flight cost {$1600.00} nearly as much as a month rent at the current apartment I was living at, I had never made a purchase over {$600.00} and panicked. I kept getting transferred to multiple agents and felt completely taken advantage of. One of the agents told me the reason I could not get the difference back was because I had booked a flight with a stop, all non stops were booked or cancelled and that is why the night before agents told me to book the flight with the stop. Since it had only been a few hours ago that I booked this flight I asked them to cancel immediately because on their site it says cancel in 24 hours but they refused and told me to purchase another flight. The first half of my trip was completely ruined, I couldn't get refunds for anything I booked in XXXX and I used days from the XXXX a barely have. I called Chase immediately when I realized I had been scammed and the agents told me not to worry and that they would help me. The dispute was re-opened 3 times, the final time the agent told me that I needed to explain that I was never issued the ticket but when I wrote my final letter they continued to go in the favor of XXXX. I never took this flight and had to purchase an entire new one after all of this. I have recordings of these misguiding agents but I can not use them. MY roommates and mom witnessed all of this but Chase won't listen to them either. I have further investigated XXXX and this is happening to travelers from all over the world. They are getting scammed into buying flights that end up getting cancelled or never issued, pressuring them into buying another emergency ticket. I printed out all of the statements similar to mine that I could find and mailed them to chase but it did nothing. I have attached some of these reviews below. Thank you for your time and help! Best, XXXX XXXX
Company Response:
State: NY
Zip: 10013
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Over four months ago, I contacted Chase Bank regarding two credit card accounts that belonged to my deceased brother, XXXX XXXX XXXX XXXX, SS # XXXX, who passed away back in XXXX. Since I am the executor of his estate, the purpose of my follow up with them was to obtain 1099Cs for discharged of his alleged debts so that I could file his final tax returns for XXXX. Chase Bank was kind enough to do this and they forwarded three 1099Cs which I used to file my brothers taxes. ( copy attached ) Unfortunately Chase Bank continues to report on my brothers credit reports that he still owes them on these two accounts even though they clearly have discharged them. My accountants and consumer protect attorneys have advised me that regardless of the issuance of 1099Cs, Chase Bank is still in the position to either attempt to collect or sell off these debts to a third party as long as they are reporting these accounts to the credit agencies and while these accounts appears on his credit reports. While I do not think that this a malicious act by Chase Bank nor their intention, I am nevertheless concerned about dealing with this subject in the future as my brothers estate is empty of any money and closed. I mailed and also faxed a letter to Chase Bank on this matter on XX/XX/XXXX ( copy attached ). On XX/XX/XXXX, I followed up with Chase Bank and after an hour of being transferred to half a dozen departments and twice that number of confused representatives, I talked to XXXX, a manager in the Credit Bureau Escalation Department, who told be that while company policy is not to pursue these types of debt, he could not issue a written pledge to back that up. He guessed that the IRS would direct them to remove the account once the 1099Cs went through the system. When I told him it was his company reporting these debts and they could simply stop reporting them, he seemed befuddled and had no answer. As of today these accounts are still being reported to the credit reporting agencies despite what Chase Bank is saying. Their inability to correct this problem is disconcerting to me and so I am turning to the FCRA to assist in getting them to put an end to this matter by ceasing to report these closed and discharged debts.
Company Response:
State: TN
Zip: 378XX
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: Trouble during payment process
Subissue:
Consumer Complaint: I have not used all the months of forbearance and chase wrongly says I have. There were 4 months where I did not request forbearance and I paid those months but they are saying it counts towards my 12 months cause the rep made a mistake. I need to use forbearance cause of my lost of income
Company Response:
State: FL
Zip: 333XX
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: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/23 @ approx XXXX I received a call from someone claiming to be from Chase Fraud Department asking if I was in New York using my card, I said " No '' and was put on hold as they shut the card off. When the person returned I was told that they were sending me a new card. Ironically as I got this call I was on my way to my branch to make my daily deposit. I am a known customer at that branch and go in there daily., Just to be sure I asked both the teller " XXXX '' as well as the acting manager " XXXX '' if that call was authentic and was assured it was by both parties and a new card was on its way. I have since learned that the person was not from Chase but actually the scammer. He was able to convince Chase to send him a new debit card to New Jersey despite me being in XXXX Ohio and never using my card elsewhere. All Chase Required to authenticate him was my DOB. He then went to XXXX, XXXX and the USPS for 11 transactions totaling {$7600.00}. On Sunday XXXX I logged into my account and saw that it had been drained of {$7600.00} total. I immediately called Chase and started a claim. The following day XXXX I went to my branch as soon as they opened and explained what happened to my normal branch manager " XXXX ''. She apparently started a new claim and entered all the notes as needed. I was told I would be given a provisional credit in 2 hours ( I finally got one several days later ) A few days after that Chase reversed all the provisional credits they had given me after completing their investigation and deciding it was " me '' as a PIN number was used. Once again the next day I went to the branch, spoke with XXXX and she opened a new claim and compiled all the notes from the previous 2 claims as she said they people in the fraud department didn't have the notes from both claims. She filed another claim ( 3rd one now ) and combined all the notes, she said I should be all set as she had spoken directly with the supervisor in the fraud department and they would refund my money as " Its the right thing to do '' Today XX/XX/23 I again logged into my account and Chase has taken all the money again. This has been going on for over a month. My issues are : 1. Chase didn't do enough authenticating when on the phone with the scammer. 2. I have done everything in my power to mitigate this starting within MINUTES of my first call by going DIRECTLY to the branch to make sure the call was authentic and being assured everything was OK. 3. Chase should never have overnighted a new card to New Jersey on using a DOB alone. 4. On Monday XXXX I was told by XXXX that they required a " Computer clean '' to assure that my info wasn't compromised via my PC. ( At that time we didn't have as much info as now and didn't know where the breach occurred. ) I was so concerned about my info being compromised I immediately went and bought a new PC with 2 levels of antivirus and VPN blocker. 5. Many of these transactions were back to back at the XXXX for hundreds and one of {$1000.00} for money orders. Chase should have a system in place that detects such irregular activity and shut the card off. 6.I have done everything asked of me. I have spent well over 10 hours of lost work and wages at the local branch while they are on hold and dealing with the fraud department having to explain this over and over. I have bought a new PC and have 2 layers of fraud protection. At this point I have filed a police report against Chase as well as this complaint.
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A