Date Received: 2023-12-20
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Chase bank charged overdraft fee my personal checking account. XX/XX/2023 OVERDRAFT FEE FOR A {$38.00} ITEM - DETAILS : XXXX XXXX XXXX XXXX WEB ID : XXXX Fee - {$34.00}
Company Response:
State: NY
Zip: 11729
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/XXXX, I opened brand new account. XXXX XXXX with Chase Bank . I funded {$500000.00}. I moved the money from XXXX XXXX. Since there is a promootion at Chase bank which stated that to qualify the bonus, I need to have the new money from other institution, and the funds need to be held by Chase. After 90 days, I should get the {$3000.00} bonus. Today is already XX/XX/XXXX, Chase still did not give me the bonus and Chase closed my bank account. Chase said they can not open my account. It is rediculous!!! On XX/XX/XXXX, I got bank statement from Chase. They opened my account already. Could you please help me on this matter. This is my saving money to support the family, Thank you so much for your help.
Company Response:
State: CA
Zip: 94063
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a credit card from JPMCB CARD SERVICES on XXXXXXXX and was denied and asked for return of appplication if no credit card would be issued. I was declined both the return of my instrument as welll as reconsideration and approval for credit instead the employee scrutinized my credit report of personal information stating that I was not credit worthy and I have it all on a audio recording as I tried to reason with the employee. I asked were they in compliance with truth in lending as well as fair credit opportunity act an which she say they were but she still proceeded to belittle and discriminate against me but per 15 U.S.C. 1691 a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter.
Company Response:
State: TX
Zip: 77539
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited my electronic check XX/XX/23 via Chase Banking Mobile app. I was XXXX for one month this check was my XXXX check from The XXXX XXXX XXXX XXXX XXXX XXXX XXXX Benefits. Upon uploading the check it was accepted and put on hold for XXXX days. I called Chase to see if the deposit could be expedited. They agreed to assist and then proceeded to inform me that the number on the check is not a verified phone number and they allegedly called multiple phone number for XXXX XXXX which didnt ring or go through. I find that odd because when I call them it works perfectly fine. They said that the number can only be used with their verification system. I called three more times and was told the same thing they said to call XXXX XXXX and find out if they have another number they can provide to be verified, XXXX XXXX assured me That is the correct number. Now I am left with no funds and Chase is holding about {$3300.00} I feel helpless. Chase bank needs to verify, yet they said they can only call using their system and that the check issuer does not have a verified phone number. That is not true!!!!!!
Company Response:
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I contacted Chase about a merchant that no longer was authorized to access my account after several back and forth with Chase they provided a provisional credit. Ive banked with Chase for several years. Without an issue Chase authorized and paid the merchant several times after several requests that they stop. Weeks later Chase decides to restrict my account with zero explanation causing my direct deposit and other funds i was expecting to be received in a cashiers check in 10 business days they claim. Its XXXX week and my children will have no food and no gifts because Chase is exercising an unethical practice and holding my money hostage without information. Ive seen that this is a practice Im seeing more and more frequently while doing my research Chase has no right to restrict and close my account without warning and without explanation. I have a family to feed and bills to pay. Now Im left with nothing. Ill be pursuing legal action in the cpfb can not resolve this but Ill stop at nothing to get it resolved. Chase owes me years of banking fees at this rate this is not how you treat loyal customers.
Company Response:
State: NJ
Zip: 07621
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Charged off account is still on my credit hence it being passed the statue of limitations. I filed a dispute with the credit bureaus and nothing was done accept my account was updated and information was not removed.
Company Response:
State: CA
Zip: 91403
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: I have just called Chase today ( XX/XX/2023 ). Chase Bank is making efforts to drive me insane in order to make me as insane as them. I have wasted over XXXX minutes with a representative who refused to process XXXX forms we emailed to Chase several times already. For several years, Chase has refused any cooperation with us over this matter. The representative baited me into wasting time by saying they would help me fill in XXXX forms for the alleged PPP loans/grants. I do not even want their help ; I have demanded several times that they send XXXX links that my accountant can use to fill in the forms himself. Chase has instead written to me text ( s ) that are anti-accountant. After I wasted several minutes answering stupid questions on XXXX and making XXXX work, Chase then pretended to not know they just sent me a XXXX link as if they haven not been calling to tell me they could help me fill it out -- since they refuse to use the forms I sent to them which my accountant prepared.
Company Response:
State: NY
Zip: 11372
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened new account in chase bank in month of XXXX. I updated my account details in my company portal so that I can get salary directly deposited in my account. But due to some reason instead of direct deposit my company issue check for my salary. I got XXXX checks from my company XXXX for my basic salary and remaining XXXX for my other allowances. I deposited all XXXX checks in my newly opened chase bank account. After some time when I checked I observed that my checks put on hold. After talking with Chase bank customer care I came to know that check is not verified that's why they put it on hold also they are going to close my account due to suspected fraud activity. I reached to my company ( XXXX XXXX ) for this issue and asking reason why check is not getting verified. They checked the issue with XXXX with whom my company have tie-ups. XXXX team mention that checks was already encash by chase bank and they all are valid one thats why XXXX XXXX ( XXXX issue checks from XXXX XXXX ) paid all amount to chase bank. Then I again reached out to chase bank and they said when they are trying to call my employer number showing as invalid. Number registered in there internal database. Neither they providing me number which they are using nor they agree to call with the other number which is in working. There is one number available on check provided by XXXX when we are dialing that number we are getting message - we cant verify this check at this moment reason because checks are already encash so thats why XXXX team deleted entries from there system. Now my XXXX $ stuck in chase bank account. I have original copy of checks with me. Even I have original copy of my pay statements in which my check number along with amount is mention. My company agree to provide confirmation upon email. Even I have confirmation from XXXX team over email that all XXXX checks are valid. My company asked to return back all amount which chase bank encash from check to the same bank bank account which issue the check so that my company directly deposited amount to my account. But chase bank is not agree upon it. They are saying my employer bank need to submit request to return back money but as per my employer bank they cant submit request because there is no reason to submit request. All checks are valid that's why chase bank able to encash it. As per there records all checks are encash. Kindly help me for this issue .My amount is stuck from last 6 months.
Company Response:
State: MO
Zip: 63368
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: I deposited a check into my accounts for {$10000.00}. The check was from a company I did work for and they bank with XXXX XXXX XXXX. When I was at the bank they didn't ask anything, they just took the check and deposited and told me to call the number if i wanted them to take the hold off. I called them and was told I had to wait till the EOD. I called the next day and was told by someone who was deeming me that the funds won't be available till XX/XX/29 7 days later. I explained to them how is that happening I need the funds, he laughed and said the teller should have told me and what does he wanted me to tell him to do. I asked for a supervisor got connected to one and was told the same thing. They told me that the bank has the final say and they have to wait till it clears by itself without giving anything.
Company Response:
State: AZ
Zip: 85212
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I used XXXX points to buy a HomePod through " Chase XXXX XXXX Rewards Store, '' Order Number XXXX, on XX/XX/2023. Product was defective because it did not sync with a brand-new AppleTV, so a few days after I received it, I called customer service number XXXX to return it. A representative advised that a return shipping label would be sent to me within 7 days. Approx. 10 days later, I called back as I had not received a return shipping label. I was now advised that I needed a " Case ID '' from XXXX. So, I called XXXX and obtained same on a XXXX call with XXXX and Chase XXXX XXXX XXXX XXXX I was now told by Chase XXXX XXXX XXXX rep that a return shipping label would be sent within 7 days. Approx. 10 days later ( yesterday ), I called back as I had still not received a return shipping label. I was advised by a representative that she did not know why a return label had not been sent and she could not process XXXX, but that a representative that could process same would call me back by end of day. None called. I also asked this representative whether the business " Chase XXXX XXXX Rewards Store '' was a Chase company or an XXXX company so I could potentially send a letter to its Registered Agent, and she advised that it was an XXXX company. This appears to be untrue. Today, I called Chase XXXX XXXX Rewards Store again and was now advised by " XXXX '' XXXX XXXX that the XXXX " Case ID '' does not work, so I needed to call XXXX again and start the whole process over again, and that she could not send a return shipping label. XXXX XXXX also advised that Chase XXXX XXXX XXXX XXXX is a Chase company, not an XXXX company. So, I google 'd returns to Chase XXXX XXXX XXXX XXXX and discovered a whole XXXX XXXX of other people who experienced the same run-around when trying to return products to the Chase XXXX XXXX Rewards Store, and they ultimately gave up. https : XXXX? XXXX This abusive treatment of consumers should be stopped.
Company Response:
State: CA
Zip: 90292
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A