Date Received: 2023-06-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am writing to dispute any responsibility for the fraudulent activity that occurred on my Chase Bank account. I recently discovered unauthorized transactions on my account, and it is imperative to clarify that I have taken appropriate measures to safeguard my account information and have not engaged in any fraudulent activities. I believe this incident is a result of a security breach or unauthorized access to my account. I have consistently maintained secure practices to protect my account information, including safeguarding my account credentials, utilizing unique and robust passwords, and regularly monitoring my account activity. Therefore, any unauthorized transactions are a clear indication of an external breach. Upon reviewing my account statements, I noticed several transactions that I did not initiate or authorize. As soon as I identified the fraudulent activity, I promptly contacted Chase Bank 's customer support to report the unauthorized transactions and initiate the necessary actions to secure my account. This demonstrates my commitment to resolving the issue and minimizing any potential damages. I am fully prepared to cooperate with Chase Bank 's investigation by providing any additional information, supporting documentation, or evidence that may assist in identifying the fraudulent activity and ensuring a swift resolution. Based on the aforementioned circumstances, I firmly believe that I should not be held liable for the fraudulent transactions on my account. As a trusted banking institution, I expect Chase Bank to thoroughly investigate this matter and take appropriate measures to rectify the situation promptly. I kindly request that you keep me informed throughout the investigation process and provide regular updates on the status of my complaint. I appreciate your immediate attention to this matter, as it is crucial to resolve this issue and restore the integrity of my account. I have always been a satisfied customer of Chase Bank and trust that you will handle this case with the utmost professionalism and commitment to customer satisfaction.
Company Response:
State: NJ
Zip: 07675
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received a letter on XX/XX/XXXX from chase Bank stating that they put my account and my daughters account on restriction. I called the bank and they said I deposited a XXXX check into my account last week and it can't be verified. Well I told them the number is on the check. I contacted Chase Bank on XX/XX/XXXX and asked about the check and explained that I did not want my account closed because they're threatening to close mine and my daughter 's account over this XXXX check I deposited on XX/XX/XXXX. I've called 2 different people today, XX/XX/XXXX and got told once again they can't verify the phone number to Burls because it doesn't come up in the system... but it is the ONLY number for XXXX XXXX XXXX. The Bank was very adamant about the number having to come up in their system to verify. This is ridiculous. Now I'm not going to get my XXXX is what chase Bank told me as they are bouncing the check when it is a GOOD/Valid check. Burls even said they have never heard of this happening. Burls even reached out to chase bank and left a message for them to call them back. So I need help! I just want my XXXX to be in my account. I'm a single mom and needed it.
Company Response:
State: TX
Zip: 75662
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Received a letter from Chase Card Services that application for a credit card was denied. However, I never applied for a credit card. If someone else applied using my name, why did I receive a denial in my name and at my home address? I phoned Chase and the representative advised Chase could not tell me who applied or the point of the application. I find this unsatisfactory because I need to determine if somehow someone has stolen my information to apply for credit in my name. Or, whether Chase is attempting to issue a credit account to me without my having initiated the application or given consent.
Company Response:
State: CO
Zip: 80918
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On XXXX XXXX XXXX I deposited a check for {$6900.00} which I received from buying Home office setup from a propective employer. Once i deposited the check it was in pending status for whole of Friday and saturday the amount was added to my balance which I understood that is happened after the check got cleared. After the amount reflected into my account I withdraw {$6700.00} for the purchase of the office supplies as instriucted my the prospective employer. On XXXX XX/XX/2023 on checking my daily balance mail realised that my balance is lower than expected and when logged into the bank account found that the check {$6900.00} has been returned with message " Refer to Maker '', when I enquired with the bank ( Chase Bank ) they say that check was not cleared and they had actulally given me temporary credit. I checked with them how would customer know that its the temporary credit and not the actual check getting cleared to which they do not have any answer but they can't still raise a dispute for the same with the counter part bank which check was given to me. Due to bank 's temparory credit, about which I was not having any knowledge not was informed my the bank I lost money. When i tried contacting the issuer of the Check now he is not responding and rulling out any help about my loss.
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Company Response:
State: NC
Zip: 28546
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I haven't had a checking account with chase since I was XXXX XXXX XXXX XXXX ( XXXX ). Their was some problems with an account where it was closed down due to overdraft from a dispute. I paid then off within the next couple months XX/XX/XXXX. The account was settled, then I received a check a couple months later stating i overpaid, then all of a sudden i owe them again and have to repay them possibly a year later? Chase is reporting checking account fraud when that was never the case. My first chase account was closed due to an unauthorized charge and my second was closed due to the dispute disagreement which led to overdraft. I do not appreciate being lied on and having my report tarnished where it affects my other banking business going forward. I would appreciate to have that report removed before considering legal pursuits. This is clearly not appropriate banking procedures and this corporation needs to be shut down.
Company Response:
State: CA
Zip: 93534
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: This month and last month. Many overdraft illegal charged to my account under XXXX as policies stated no overdraft fee under XXXX. And one transaction has refunded as return item back to merchant and bank didnt refund overdraft fee. I currently homeless and my income from my employer in and out there no steady working paid.
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Thursday, XX/XX/2023, in the early XXXX, I initiated the transfer of {$9100.00} from my Chase Checking Account to my XXXX XXXX. Chase did not transfer the funds until XX/XX/2023 and made the funds available for use on XX/XX/2023 to this bank. They changed the date the request was submitted toXX/XX/2023 when in fact it was initiated on XX/XX/2023 delaying the requested funds more than 5 days.
Company Response:
State: NY
Zip: 10014
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 I disputed a visa debit card transaction with Chase on my personal checking account for {$300.00} charged to my account on XX/XX/2023 " XXXX XXXX XXXX XXXX XXXXXXXX FL '' I have never been to this place, nor have I ever used my card to pay them nor received services from them. On XX/XX/2023 Chase wrote back and stated the transaction was authorized per their research. on XX/XX/2023 I called and spoke to Account Supervisor " XXXX '' who stated they belive the charge is authorized as the chip was in place and the PIN was used. I asked for a further review. XXXX refused and denied my claim. There is no way I made this transaction. I have had my card in my possession at all times. It has since been canceled and replaced.
Company Response:
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: So I drive tractor trailer over the road and I been gone for over a month and a half XX/XX/ I opened an account before I left deposit funds in the account for emergency reason and for my house only to find out someone has been using the account without my knowledge I contacted bank fraud department to report it on XX/XX/ then to be told my claim was denied because of the reason the transactions was connected to my phone I explained to them some had stolen my identity i reported a police report gave it to them still no help Im out of {$7500.00} I asked could they reopen the investigation in look into the matter deeper because my claim was denied in 3 days after my first call on XX/XX/ the money I put in the account was for my home purchase and I feel Im getting robbed by a scammer and the bank I ask what else documents I can provide and they told me anything to help my claim I gave them a police report and still no help
Company Response:
State: FL
Zip: 33067
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A