Date Received: 2023-06-29
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: In XXXX of XXXX, a check in the amount of {$15000.00} was given to me as a gift. I endorsed the check to my family member. Because the check was from Chase she thought it would be easier to open an account with the check at a Chase Bank. Within a month Chase closed the account because they claim they were not able to verify me by my phone number. They told her that because I was not able to be verified by phone that I would have to bring my ID into the bank branch to be verified. When I was able to bring the ID to the bank they told us that they no longer accept identification verification in the bank branch and I must be verified by phone. They explained that my phone number needed to be listed in a public registry so they can search it and call. We went to the bank branch where the account was opened to sit down with the banker who opened the account and their money release department and they all gave us a different answer as to why we cant get the money back or returned to the original account.. I had the person who originally issued the check, look to see if the money was still in his account and it was not. He asked if he can get it back, I also asked if they can send it back to him and both of us were told no. The bank at this point is refusing to give us the money or return the money back to the person who wrote the check and I truly believe that someone at the branch stole the money.
Company Response:
State: NY
Zip: 11717
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: FTC The incident took place on XX/XX/2023. I discovered that my wallet was stolen. Immediately afterwards, I became involved in identity theft. Here is a brief timeline of what took place. Attached please find supporting documents. XX/XX/2023 - reported missing wallet. Missing Items : ( XXXX cards ) XXXX Debit card, XXXX Credit card, Drivers license and XXXX - XXXX XXXX XXXX card, designer wallet. XX/XX/2023 XXXX XXXX XXXX An UNAUTHORIZED Transaction was made in the amount of {$13.00} in XXXX XXXX ( See attached statement ). I called Chase and Chase credited my account for {$13.00}. XX/XX/2023 - Called Chase and reported the following to the FRAUD department. An UNAUTHORIZED wire transfer that I did not make for {$10000.00} An UNAUTHORIZED wire transfer that I did not make for {$2500.00} Chase CREDITED my account for {$10000.00} ( see XXXX. stmt. ) Chase did not RETURN {$2500.00} to my account as of today. XX/XX/2023 - I am working with XXXX XXXX XXXX to resolve these matters. Chase accused me of being the thief instead of supporting me as a victim. I have not recovered {$2500.00} to date.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Chase, at XXXX has put several agreements in place that they require account holders to acknowledge they have read and to which they have agreed, prior to obtaining access to account information ( e.g. charges made to my credit card ). XXXX agreement is XXXX pages long. The other agreement is XXXX pages long. Reading and understanding these agreements will take a significant portion of time. The " click to agree '' button definitively says " have read ''. I will not perjure myself in order to review my account. Requiring the reading and acceptance is abusive. I would think that a very, very small percentage of account holders will read the XXXX pages. This creates a customer relationship built on lies. I, of course, have the option to cancel my account, and will ; but, perhaps the CFPB could warn Chase that they have instituted a very poor policy.
Company Response:
State: MD
Zip: 21042
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I was first notified on XX/XX/23 through XXXX emails that an account was opened with Chase and a credit card was approved in my name. I have never banked with Chase in the past. I attempted to file with the FTC and have not heard back. Now on XX/XX/23 I have received XXXX more emails from Chase that the mobile app and XXXX XXXX were approved for the digital wallet that I do not use and do not have an app for. It also verified the receipt of the card ending in XXXX. Again, I have never used Chase for banking and do not have a credit card through Chase.
Company Response:
State: MN
Zip: 55303
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: While I was in another country on XX/XX/2023, someone impersonating a Chase Bank employee claimed that they were from the fraud department and noticed suspicious activity on my account. They had a caller ID of Chase Bank and used the XXXX text thread to send me a confirmation text code. Immediately after the call ended there were four ( 4 ) separate ATM transactions of {$200.00} removed from my account, totaling {$800.00}. I called Chase and filed a report on XX/XX/2023 and was temporarily reimbursed the full amount. On approximately XX/XX/2023 Chase denied the claim because their system traced the approval for the transaction back to my personal device ( e.g. Face ID and wallet, documents can be provided ). I called Chase again on XX/XX/2023 to file an appeal and the representative indicated that I would have to fax supplemental documents such as phone/text records and bank statements, indicating that the fraud occurred, and that the individual impersonated Chase Bank through XXXX. The results of the re-appeal came on XX/XX/2023 with interim communication with Chase employees who repeated the results of the investigation, which was denied, but did little to address the fraudulent activity or any responsibility for protecting my money against scamming.
Company Response:
State: OH
Zip: 43212
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: So on XX/XX/2022 at XXXX I got this message from XXXX XXXX of Closure of you deposit account ending in XXXX due to a check that I deposit of my brother work check that I agree on him that I will deposit his check on my account also that was a Friday, so I also had a work check to deposit on my account so decide to deposit both of them. I didnt know that this could have an issue with my account, because algo my boyfriend use to deposit his work checks on my account and nothing never happens ( he use to do that because he had and account with his mom and it was kind a saving account ) so nothing never happens to my account and i dont know why I get the account close if hes my brother, there was his name on the check and everything. My mom use XXXX XXXX, so a couple months she goes to a XXXX XXXX bank to open an account for my sister and they told her that because I have this issue she cant open the account for my sister ( I XXXX had the account with my mom because we opened when I was a minor ). A been had to calls for reopening the account but I cant due to that. I ask a customer service person from XXXX XXXX if I cant solve this issue ( I want to reopen it ) of me and my brother can go together to solve this issue and she told me NO! I also had a problem with fraud on my chase bank account due to some checks that were fraudulent which I didnt deposit, also some claims as soon as I saw that activity on my account I call and told them that I didnt make this claims and this deposits, which they make me change everything from my account but it was still close, so days later or weeks I call to see if I can reopen the account and they told me yes and everything, it was pretty good until this fraudulent activity came again, even tho that I change everything. I ask them if they can see where this checks where from but they told me no, because I wanted to know if they can give me any information to see what place or phones or anything was getting access to my accounts. I make an appointment to reopen it for the 2nd time because they told me I can but when I go to my appointment they told me that I cant reopen it due to suspicious activity. If theres any possibility that we can solve this issues with both of the accounts please let me know if I have to do anything, please let me know Im here to help and discuss about this at any moment. Thank you!
Company Response:
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
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 had given up hope of getting this resolved but recently heard from another person who was struggling with the same issues with XXXX XXXX and getting reimbursed for tours that were never provided. She communicated to me that you had helped her recover her money. I went through all the normal channels to try to resolve this. Some of the tours we purchased through XXXX and charged to my Chase Sapphire card and others were purchased directly through my Chase card. I went through XXXX and Chase 's complaint systems and then Chase 's insurance, finally sending a letter to XXXX XXXX, CEO Consumer & Community Banking at JP Morgan Chase & Company. I also Cc 'd XXXX XXXX, CEO JP Morgan Chase. Neither replied directly, just had a higher up minon reply with a canned statement I need assistance with goods/services, in this case tours never received. I booked several trips in good faith with a company that appeared to be in good shape and was operating tours. My friend had gone on several trips and highly recommended them. They were badly affected by Covid, as was the travel industry in general. While they struggled to reopen, they didn't cancel trips, just rescheduled them ( some, several times ) further into the future. There was no way to know the tours weren't going to happen until the company went into liquidation. They even offered a very discounted tour with airfare to anywhere they travel, but the trip couldnt be taken until XXXX. They guaranteed in writing that if the future XXXX trip couldnt be taken in XXXX, everyone who purchased would be refunded. Their general refund policy stated that if any tours were unable to happen by XXXX ( due to Covid, which yhey blamed all their issues on ) we would be refunded. Then they changed the date to XXXX! Just before they went into receivership, they changed the date of refunds to " if unable to travel by XXXX ''. Could they legally do that? When they opened back up after Covid, they were struggling to provide all the tours that were rescheduled multiple times and ultimately went into receivership in XX/XX/XXXX. I will now not get my tours nor a refund from XXXX. I alway use my Chase card for booking future trips because some book up XXXX yrs in advance and I trusted they would take care of me! I am devastated! I lost my husband in XX/XX/XXXX, have unexpected bills to pay and am not in a position to absorb this loss! I understand credit card companies not wanting people to wait indefinitely to ask for money back if I purchased an item and didn't receive it in a timely manner, but I don't understand the 160 or 540 day time limit after a purchase being applied here to trips that kept getting rescheduled. The final tour dates weren't available until after they went into receivership! So how were we to know we wouldn't get the tours until XX/XX/XXXX? The 540 day rule would make more sense if it was applied from the date the tour was scheduled to go! This seems a bit arbitrary because some people have been refunded well beyond that time and others haven't. Chase did refund me for the transactions with XXXX dated XX/XX/XXXX for {$1100.00} and the one dated XX/XX/XXXX for {$1000.00} These are the other expenses I incurred : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX-good for {$1000.00} off any tour. {$500.00} XX/XX/XXXX XXXX XXXX {$990.00} ( {$1000.00} off a tour plus 20 % off future tours ) XX/XX/XXXX XXXXXXXX XXXX XXXX final schedule XXXX XXXX XXXX. {$1200.00} XX/XX/XXXX XXXX XXXX XXXX scheduled XX/XX/XXXX then postponed indefinitely so switched to a XXXX XXXX ( see below ). I used the {$500.00} XXXX XXXX XXXX XXXX XXXX to book and that transfered to XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$740.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX then rescheduled to XXXX XXXX XXXX {$2400.00} XX/XX/XXXX XXXX XXXX above, switched to more expensive XXXX trip. {$1000.00} ( Chase gave me {$100.00} " courtesy '' payment ) I would greatly appreciate a refund of {$6800.00} *I have documentation for all these claims and will send whatever you need to help! Some people ( we have a XXXX help group XXXX page ) with Chase, XXXX XXXX XXXX XXXX who also purchased multiple tours with payments as far back as XXXX have been refunded so it seems to rely on who they talked to and/or how much money they have in their accounts! Any help would be greatly appreciated!
Company Response:
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXX XXXX XXXX made a mobile deposit of a check {$300.00}. This check was deposited and available in my account balance yet chase had restricted my account on the basis they needed an phone number to be listed on the check that was verified by them. I called several times to give them several phone numbers and they rejected all of them on the basis they were not registered in their system. The check cleared was valid and did not get flagged it was verified it self as genuine yet chase wanted a number that did not exist. From this point I did not know what to do and waited. On XX/XX/XXXX chase closed my account and the statement said " DEBIT DDA - CHECK CHARGE '' I have read online from reliable sources that this means they confiscated my money and closed my account because the information they asked for was impossible to provide.
Company Response:
State: PA
Zip: 164XX
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: MY BOYFRIEND TOTALED MY CAR ON MOTHERSDAY AND I AM STRUGGLING TO GET BACK ON MY FEET AFTER THE ACCIDENT I HAD TO BUY 2 CARS TO GET A WORKING CAR. I BOUGHT A USED CAR WHICH COULD NOT PASS INSPECTION AND THEN I HAD TO BUY A SECOND CAR TO REPLACE THE CAR THAT COULD NOT PASS INSPECTION I HAD A SMALL OVERDRAFT WITH MY BANK AND I WAS WAITING UNTIL PAYDAY FRIDAY TO STRAIGHTEN IT OUT ACCORDING TO THE BANK WEBSITE AND WHAT I HAVE BEEN TOLD IN THE BRANCH YOU ARE ONLY SUPPOSED TO BE CHARGED 3 OVERDRAFT FEES CHASE BANK CHARGED ME 5 OVERDRAFT FEES CAN ANYTHING BE DONE TO STOP THIS FINANCIAL ABUSE ON A XXXX XXXX XXXX WOMAN
Company Response:
State: MD
Zip: 21236
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have been trying to close my CHASE account for months. I withdrew all the money in there so that my bank balance is XXXX. Then i went into the app and requested via their secure messaging service to close the account. After a few back and forth messages they eventually said the account was closed. However, I received no official confirmation of its closure and I realised that my account was still open. So I messaged them a few more times until they again said it was closed. Now on my online profile it no longer showed the account. But it was clear that the profile was still active and had not been closed. They said it was closed. However I am still receiving emails from Chase. Even today, I received an email from Chase saying that my online statement for my account is ready for viewing. If my account is closed, why would I be receiving such an email? It seems to me that Chase is trying to retain my account and refusing to close it properly. Chase has no right to keep all this and keep my data when i close the account. I do not want any association with the bank and I want the account properly closed, my profile deleted and all my private information deleted from Chase 's servers.
Company Response:
State: CA
Zip: 90049
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A