Date Received: 2023-03-30
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My bank account was hacked. The bank closed my account and held my funds. There were transactions on my account by unknown sources. I went to the bank several times, talked to several bank personnel on the phone and in person to ask them about the activity on my account and access to my funds held. The first time they implied that I did fraudulent transactions. When they closed my account, I was told that my account was under investigation and my funds were held and it could be up to 3 months before their investigation was completed. I started receiving bank notices in the mail of disputed transactions and returned check deposited ( not any transactions I made ) so returned to the bank for further information on what was going on. There are several withdrawal with XXXX XXXX that are not withdrawal from me. I do not have a XXXX XXXX account. I suddenly got a check from the bank for a settlement on my account but does not cover the direct deposits from my employer.
Company Response:
State: IL
Zip: 60490
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I had a Business Account in Chase Bank and On XX/XX/2023 Evening my Chase Bank Business Account was closed even though in the same day morning I spoke to Bank and everything was fine. I received payments from my Clients and I also transfer amounts to my partners and employees as usual conduct of Business. Im also going to attach the evidence of legit payments I received from my clients but Chase Close my account by citing Suspicious Activity and didnt provide any reason. Next Morning I went to Chase Bank Branch and heard same thing and also heard that I can never open an account in Chase for a life time and that they just close my account which is a complete humiliation and discrimination against an innocent customer. My account and business wasnt involved in any kind of wrongdoing but dont know why got a humiliated treatment from Bank . I even tried to show them documentations to prove my point but they refused to listen or see anything. I really want CFPB to take action against this financial institution for humiliating and discriminating a customer for no reason at all.
Company Response:
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I mailed a check to a " XXXX XXXX ''. I bank with Chase. The check was cashed by " XXXX XXXX XXXX '' at XXXX XXXX XXXXXXXX. XXXX is at fault for not matching the payee to the back endorsement. Chase has been giving me the run around for 2 months. First, they gave me the wrong forms to fill out. They informed me several weeks later that they needed new forms. I filled out new forms with the bank manager and faxed them. Several weeks later they wrote back that they closed my case. The Bank manager called their fraud dept. again and this time they claim they couldn't read the form although the bank manager had no problem reading it. Filled out the form for the third time. Still, no return of my {$5000.00}.
Company Response:
State: NY
Zip: 11417
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Some kink of claim that I owe that I didn't get closing my account with chas
Company Response:
State: IL
Zip: 60637
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Back in 2021 I disputed an account that was fraudulently made under my personal information WITHOUT MY CONSENT, the company was JP MORGAN CHASE BANK. I reached out to them and notified them that I am a victim of identity fraud and that I was not in fact the owner of the account and the account was made without my permission without my consent... I reported this issue to the credit bureaus as well and provided them with documentation. I asked the credit bureaus and the CREDITOR to provide me with details and proof showing that it was me that created the account and they were unable to provide me with anything with my wet signature on it nor were they able to provide me anything proving that was me. PER 15 USC 1681B " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title ; '' THEREFORE, The account must be removed, blocked, and never to report on all 3 of my accounts ever again. This issue has been hard, it has blocked me from receiving credit, getting a house, and just has been stressful towards my life due to me having my identity stolen from me.
Company Response:
State: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX, Chase and XXXX XXXX have violated my rights 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions. 15 USC 166B : 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: OH
Zip: 44116
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On or about XX/XX/2023, my credit card ending in XXXX was charged {$92.00} by XXXX XXXX. I DID NOT make this charge. I contacted XXXX and can not find that it is connected with any of my previous rentals. This charge is unauthorized. I disputed it with Chase, but on XX/XX/2023 received a form letter response that simply states I am responsible because " you received a benefit from this transaction. '' What does that even mean? I did not authorize this charge, and under both the cardmember agreement and federal law I am NOT responsible for unauthorized charges.
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/2022 : XXXX - {$650.00} I lost my card and on XX/XX/XXXX I got a fraud alert on my phone indicating that there was an attempt to use my card at XXXX for {$650.00} and I had accidentally pressed yes and the transaction went through. I quickly realized my mistake and called the bank to dispute this amount as fraud because it was not me and Chase said it would take care of it and not to worry about the transaction. Fast forward to XX/XX/XXXX and they reposted the amount to my account and said that they did not find any evidence of fraud and I'm now responsible for these charges.
Company Response:
State: NY
Zip: 11355
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received a check from a person for XXXX check was written on XXXXfrom XXXX XXXX. I deposited the said check on XX/XX/23 to JP Morgan Chase, and The check cleared. A couple of days later I tried to us my debit card and it was denied. I checked my account on my phone and they put a hold on the said check, but it cleared and was available. So I called the service number and was told that the needed to verify the writer. So I called the writer and they checked their bank and the writer said it had cleared, they took the money. So i called again. Now they tell me it is my responsibility to furnish a phone number. This has gone on for XXXX weeks now and multiple calls. They even wanted the writer to got to a branch to verify they wrote the check. They did and was told there was nothing need from her. I furnished all the numbers I could, to resolve the issue but they would not except any of them. They won't give me reason for the hold only they can't verify the phone number to the writer. After over XXXX weeks of back and forth with customer service. And the writer and me on a conference call with customers service, they refused verification. Now they have closed my account still have the XXXX and will not send it back to the writer or to me without a dispute letter from the writers BANK. they have done all of this with no notification to me at all, only a hold on a check. There seems to be a freeze or flag on my account and they won't tell me why. Now I called the writer and their bank doesn't know what to do either. I and my check writer are out the money for no understandable reason other than a phone number. I know that's a lie because all banks are linked to your phone. That's how we check our accounts. Please help, we need this resolved!
Company Response:
State: TX
Zip: 76048
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I checked my credit score XX/XX/XXXX and noticed a credit card account had been opened under my name with JP Morgan Chase Bank. I immediately notified XXXX and reported it as fraudulent and went to Chase bank and informed them as well. They closed the account and told me to make the report anyways. The strangest part was that the account was opened in XXXX, which is odd because I was born in XXXX. Along with this fraudulent account their were two addresses and a phone number that did not belong to me. I have made the dispute to remove the fake forms of personal identification. It should be stated that I have not had a credit card in the last 4 years.
Company Response:
State: CA
Zip: 92507
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A