Date Received: 2023-12-20
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX I attempted to mobile deposit XXXX XXXX XXXX money orders, in the amount of XXXX XXXX each, issued to me into my J.p. Morgan Chase bank account. On XX/XX/XXXX I received notification electronically, through their application, that Chase Bank had put the checks on hold. On XX/XX/XXXX I received additional update that Chase bank would not accept the checks and I would have to call for further information. That same day I called and spoke to a customer service rep, name not remembered, who informed me the checks would not be made available until verification from XXXX could be made. I was then informed I would have to be the one to facilitate that verification or the money orders would be rejected. I, as the consumer, had no idea how to facilitate verification and inquired as to what my options were. She informed me to try calling XXXX was allor I could wait to have them returned. That is ridiculous, but I called XXXX anyways, they informed me, Chase bank would have to call them. I was out of options and went above my due diligence, so I waited for the money orders to be returned. On XX/XX/XXXX I was informed through the XXXX application my account was closed and I assumed that was the end of that. On XXXX I deposited XXXX of the aforementioned money orders into my XXXX XXXX XXXX and XXXX XXXX XXXX account, already speaking with a clerk about the situation and being informed to line through the Chase mobile banking authorization on the back and initial by the change. On XXXX I was informed through my XXXX application that the checks had been returned. I called XXXX customer service, spoke with XXXX, and was informed the checks had been rejected by XXXX XXXX XXXX XXXXXXXX ) because of duplication. I immediately called XXXXXXXX XXXX spoke with XXXX, and was informed the checks appeared as paid and cleared on their end to J.p. Morgan Chase. I later the same day spoke with serval Chase bank representatives, but XXXX was the one to get me to a resolution. The only problem being it is the exact resolution I was given way back in XXXX. Only difference was XXXX was able to verify with XXXX on her own with a quick phone call ; one which I was on the line for. This could have been done on XX/XX/XXXX when I first called. Now I am extremely disadvantaged with the only way to access the funds from the checks is by receiving a cashiers check from Chase, which is a XXXX day process. Only after demanding to speak with an escalation agent was I given an additional resolution. The escalation agent, XXXX, promised the check would be received within 15 days, before the holidays. As of XX/XX/XXXX, I still had not received my funds. I called again on XX/XX/XXXX and the update I was given as to where my funds were changed depending on which service representative I spoke to. XXXX, the first rep, told me the check XXXX be sent end of business day today, the XXXX, or the next day. The second rep, XXXX, relayed to me the check was actually sent out XX/XX/XXXX. Both reps giving me a new time frame of XXXX business days, which would mean the soonest I could receive it is the XXXX. I asked to speak with a supervisor and was told there was no one more I could speak with, even though I explained to XXXX this timeframe is not what I had been guaranteed. Due to this, I was unable to make a critical payment for my storage unit and lost everything inside ( childhood photos, clothes, furniture, what i was able to keep of my mothers after her recent passing ), I am now unable to make any holiday purchases, and have experienced a great deal of emotional distress in a time of grief.
Company Response:
State: AL
Zip: 350XX
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: XX/XX/2023 a friend sent me XXXX $ XXXX payment from his chase bank account on XX/XX/2023 my account got frozen because of the payment he went to the bank where he stated problem was resolved but my account is still freeze the bank will not release my funds
Company Response:
State: FL
Zip: 33317
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 your account
Subissue: Company closed your account
Consumer Complaint: I applie And was approvec For a chase freedom credit card after several month of usage I went into the branch for an update to my acco And was advised the account would be closed. When I inquired I was told I would be sent a letter. This conversation happens in late XXXX. On XX/XX/XXXX the account was closed, and I never received any letter notifying me of the closure. I called chase again to inquire on how the payment terms, closure reason, and XXXX reporting practices on XX/XX/XXXX and was not provided the latter XXXX. I do believe this is a horrible and fraudulent business practice. Not only do I now have a credit inquiry but also XXXX be subject to a derogatory mark due to chase closing the account without reason. I am aware they can do so, but they did not provide a reason or opportunity for an appeal. This practice seems to be negligent to the consumers who use their services and trust they will not have the rug pulled from under them for no reason once so ever. Just because of an algorithm that should have ran prior to approving me to said card.
Company Response:
State: FL
Zip: 32907
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Chase doesnt want to approve my claims dispute I submitted for unauthorized transactions. But because it was made from my device they dont care! They dont care that I was scammed! They never asked if I was scammed! All they stated I made those transactions and they cant reopen the claim again. Its a done deal! Well I got scammed by a person that was to be an investor! I came across a video from a family member, I had seen they made a video of investment with this person named XXXX XXXX on XXXX. So, I clicked on the video and saw that my niece had invested XXXX $ and got back XXXX and I was like wow, look at all these people investing and tripping their money. So many videos people recommending this person. I inbox them how did whole thing worked and to make sure Im not falling for a scam. She told me dont worry everything is done with XXXX XXXX XXXX XXXX. I was like oh seem legit. So she had this offer if you invested XXXX $ usd ) you would get paid XXXX usd ) & in their system it would triple to like XXXX ) but in order to start I had to sent her money. XXXX XXXX didnt work. Only XXXX thru bank worked, so I sent out XXXX $ to someone named XXXX and she made and it went thru she stated that was another employee their in the office its was 2 females on the phone. & 1 male I was transferred the whole time. Seemed so legit. Then I was put on hold for like 35 minutes and was sent transaction at 78 % and then I was transferred to a male person. Which I was on the phone for a long time over 3 hours! He then told me I need to pay XXXX was the final fee and it was for all clients and that it was an IRS FEE & the other XXXX $ was a government Fee Mandatory for all clients! Then I was like well the banks are closed I cant right now, so I made XXXX payments cause they stated i can do that. At the end they wanted to scam me with more money to cancel! Not only was scammed but 2 other family members did as well! I was the XXXX that investment more! Cause I was stupidest one from all!
Company Response:
State: TX
Zip: 78542
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: PER FCRA AS A FEDERAL PROTECTED CONSUMER I OPTING OUT OF ANY AND ALL AUTHORIZATIONS I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN, VERBAL AND NONVERBAL PER 15 USC 6802 WHICH IS EFFECTIVE IMMEDIATE AND INDEFINITELY
Company Response:
State: NV
Zip: 89108
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: XX/XX/XXXX I received a letter from JPMorgan Chase Bank ( Chase ) that it decided to close my checking account. I immediately contacted Chase for an explanation. I was told it is their right to close accounts without explanation. I immediately contacted the Social Security Administration ( SSA ) to change my retirement benefit direct deposit from Chase to a different bank however that will not go into effect until XX/XX/XXXX, however since I notified the SSA prior to XXXX I was hoping the transfer would go into XX/XX/XXXX. XX/XX/XXXX I contacted the XXXX to track the funds since it did not appear in the new account as I had hoped. XX/XX/XXXX I contacted Chase to ask if it received the funds, I was told no funds were received nor pending. XX/XX/XXXX I recontacted XXXX who traced the payment and confirmed the funds were sent to and received by Chase on XX/XX/XXXX. XX/XX/XXXX XXXX recontacted Chase to be told no however after I stated XXXX traced the payment Chase miraculously located the transaction. XX/XX/XXXX I met with a Chase branch XXXX who contacted corporate at which time we were told a check was mailed to my address on XX/XX/XXXX. XX/XX/XXXX I followed up w/Chase via telephone, explained the situation, to be told the funds were " released '' and I should go to the branch to pick up a cashier 's check. I drove to the branch to be told : ( 1 ) the funds were returned to the SSA, ( 2 ) the person I met with on XX/XX/XXXX happened to be present so he took over, ( 3 ) that person contacted corporate to be told a check was mailed to my address on XX/XX/XXXX and would take XXXX to XXXX business days for receipt. I need my money now. The bank has the funds- they should immediately release the funds. I have been patiently waiting from my money that is very much needed to pay bills that are currently due. Chase provided false and misleading information about not only receipt of the funds, but status of the funds. I was told ( 1 ) funds weren't received, ( 2 ) then told the funds were received, ( 3 ) a check was mailed XX/XX/XXXX, ( XXXX ) then told I could go to the branch to pick up a cashier 's check, and after wasting my time and gasoline, ( XXXX ) told I could not get a cashier 's check from a closed account and that the check was mailed XX/XX/XXXX. Which is it? I now question whether the check was actually mailed on XX/XX/XXXX. I now believe Chase will wait out the XXXX - XXXX business days to actually release my funds to which it is not entitled.
Company Response:
State: CA
Zip: 95834
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 wrote XXXX checks to pay for personal income tax. One to U.S. Treasury and one to XXXX XXXX XXXX. I mailed both checks to the respective institutions. Apparently, between the time the envelopes left my possession, they were stolen by someone and cashed at Chase Bank, the institution that I bank with. I received notice from the IRS that I still owed money in XXXX XXXX. The XXXX checks in question were written and cashed by Chase in XXXX XXXX. I filed a claim with Chase due to the fraudulent cashing of these XXXX checks. Chase has denied my claim because I did not report the claim within their policy of 60 days to report a claim from the date the check was written even though it was XXXX of their employees who cashed the government checks. Moreover, it is Chase policy to not cash checks written to businesses or non personal checks. This is being overlooked by Chase in my attempt to recover the stolen money from my account.
Company Response:
State: CA
Zip: 90745
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: Problem using a debit or ATM card
Consumer Complaint: I have been a victim of identity theft. A scammer used my information to purchase XXXX Tickets for {$490.00}. The transaction date was XX/XX/2023. I filed a dispute for the charge which Chase bank claimed to be illegitimate. They then reversed my claim on XX/XX/2023. I have since contacted XXXX about the purchase and they have marked this purchase as fraudulent. Chase bank sent me documents in the mail, claiming that the purchase was legitimate, showing that the scammer had all of my information. The documents even included a photo of the person who used my info to purchase the tickets, who is clearly not me. After that, I contacted Chase bank again to let them know, however they refused to re-open the claim. I let them know that I had already talked to XXXX about the fraudulent purchase, but Chase bank stated since the claim was already closed they couldn't do anything about it.
Company Response:
State: CA
Zip: 94116
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: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: Chase Bank asked me for additional information which I am providing today attached. My original complaint number with Chase was ; XXXX XXXX. Enclosed here is the information and documents Chase requested. Thank you XXXX XXXX
Company Response:
State: FL
Zip: 32763
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 received a bounced check from an XXXX imposter telling me that he needed to use my account to receive funds so I gave him my account number which he went on to deposit a bounced check and now my bank is being closed.
Company Response:
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A