Date Received: 2023-06-20
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2023, I mobile deposited two work checks on my checking account number XXXX. The rst check was from XXXX for {$580.00} and the second check was from XXXX for {$1000.00}. I waited XXXX work days for the checks to go thru and after that time I checked my account on Chase XXXX and the money wasn't available still. I waited a couple more days, checked back again and all I had was the {$200.00} I had to deposit when I opened my account. 10 days passed and my paycheck was still unavailable. i went to the branch in XXXX, XXXX XXXX XXXX XXXX when would my money be available and they told me the checks hadn't gone thru. I went back to my bosses house and gave him the information I had just received at the branch, and he told me the checks went thru, and showed me the conrmation receipts of the money being transferred from his account. I went back to the branch with the conrmation papers that XXXX boss gave me and the workers tell me the checks never got deposited into my account, that my boss had the money. I came home and I decided to contact Chase customer service and they tell me that actually my account got closed due to fraudulent activity. The only activity on my account was the initial {$200.00} deposit and the mobile deposit of those two checks from my work.On XX/XX/2023 I received a letter from Chase in the mail, with a {$200.00} cashier 's check addressed in my name saying " We closed your account and attached a check for the remaining balance. '' I have been sick the past two weeks and lost my voice, so today on XX/XX/2023 as I was feeling better, I call the complaint department of chase ( XXXX ) and ask them for the rest of my money. I explain the situation and the worker says the checks got deposited into my account but he couldn't do nothing about it and had to transfer me to the Chase 's fraud department. As he did so, I start talking with the specialist and he starts by telling me the checks never went thru, when the worker had just told me they did. And as I'm explaining this to him, he corrects himself and tells me that he needs to verify the checks rst, more than 30 days after they got deposited. I get a little upset with the situation and asked why havent they verify the checks earlier, and he tells me I had to tell him to do it.
Company Response:
State: CA
Zip: 953XX
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 XX/XX/2023 I transfer {$12000.00} from my crypto exchange company to my chase checking account. Everything seemed to have transferred properly. All I had to do was wait for the funds to be available in my chase checking account. But upon waiting I tried to log into my account on XX/XX/2023 at XXXX my account had been locked and the message read " We locked your account due to suspicious activity. Please call to resolve the issue. XXXX from XXXX to XXXX XXXX. Keep in mind : you won't be able to see your statements and notices online until we unlock your account. '' This really worried me because I thought maybe I had been hacked or something so I called right away! I spoke to one of the representatives from the chase customer protection team about the message I received. They verified my identity then the representative told me they will no longer have me as a client and my accounts are in the process of being closed. I was very confused and asked why they were closing my accounts. The representative refused to give me an explanation and said I would have to wait for a letter in the mail. This left me confused and frustrated because I have all my money in my chase checking account and they are prohibiting me from accessing my own money! The only way I can access these funds is through chase bank because is the only bank account linked to my crypto exchange company. Chase has given me XXXX to no explanation where it is or when I will be able to access it. This has been a very devastating process and I hoping you could help me resolve this issue.
Company Response:
State: MN
Zip: 56301
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: On XX/XX/XXXX and XXXX 2023 our 2 checking and1 savings account money was stolen from our account. The accounts were linked. This happened at Chase bank at XXXX XXXX XXXX XXXX. XXXX, Il XXXX. Total amount stolen XXXX Account Ending in XXXX - XXXX. Account Ending in XXXX - XXXX. Account Endng in XXXX - XXXX. Total of all 3 accounts - XXXX. Chase says they looked into the loss and that I had stolen the money because my Pin was used. We went into Chase to appeal. The person that helped us looked at the activity and determined that it was not our fault. They called Chase fraud and had the case reopened and explained why. -The person that drained our accounts used XXXX XXXX. We have been with Chase for YEARS. - We have never used XXXX. - Why didn't Chase fraud see this unusual activity??? This all happened within 24 hours. They denied us a second time, same reason. This happened at the branch address above. They should be able to get pictures of this person. I am opening a police report tomorrow, please call me at XXXX with a incident report number if needed.
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I AMDE A DEPSOSIT AT CHSE BANK ON THE XXXX ASK THEM SPECIFICALY HOWLONG A HOLD WOULD BE BEFOR I DEPOSITED THE CHECK THEY SAID FUNDS WOULD BE AVAILABLE 0N THE XXXX EVEN SAY IT ON THE RECIEPT THEN ON THE XXXX THEY PUT ANOTHER 7 DAY HOLD ON IT ACORDING TO EVERYTHING I CAN FIND ON FEDERAL REGULATIONS THEY SHOULD NOT BE ABLE TO HOLD IT MOR THAN XXXX BUSINESS DAYSSINCE IT WAS DEPOSITED AT THE BEGINING OF THE BUSINESS ADY THATS 8 DAYS THIS MADE ME UNABLE TO REFUND THE MONEY FROM THE SALE AND WILL PROBABLY CAUSE OTHER ISUSES WITH TAXES AND SO FORTH SO I TURNED IN AN ORDER FROM A JUDGE TO GET INFO ON AN ACCOUNT THAT WAS PART OF AN ESTATE AND THEY IGNORED IT AND I HAD TO GO BACK TO THE JUDGE AND GET ANOTHER ORDER BASICALY THREATINING THEM WITH CONTEMPT AND FAILER TO COMPLY AND EVEN THEN IT TOOK THEM MORE THAN 10 DAYS TO COMPLYBUT I CANT SAY ANY MORE ABOUT THAT AS IT IS PENDING LITIGATION BEWARE OF CHASE BANK THEY ARE NOT TRUST WORTHY IN MY OPINION
Company Response:
State: OH
Zip: 43015
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
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 have asked Chase XXXX over and over again why a refund to my XXXX card on XX/XX/XXXX hasn't occurred. They tell me it takes XXXX business days. Why? This was electronically refunded. Where does it go? I have asked XXXX representatives and they just repeat over and over again " that's the process '' with no ability to articulate what exactly this process is. My balance is over XXXX and I'm waiting for this money while Chase holds it tax free. What's going on here? Why can't they tell me why?
Company Response:
State: OR
Zip: 97404
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
Issue: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: Chase Bank supposed to mailed a Check for {$3300.00} on XX/XX/2023 and haven't received it yet
Company Response:
State: AL
Zip: 355XX
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: XX/XX/2023 - Preapproved and accepted for Chase United Explorer Card with {$250.00} statement credit off first statement ( screenshot of offer from this date ) Called chase to confirm before using card that {$250.00} statement credit would apply to first statement, representative confirms yes Booked flight on card XXXX statement : {$250.00} statement credit did not come off first statement after first purchase Called chase and inquired about my promotional statement credit. Claim was escalated for review. XX/XX/2023 decision received by mail, account isnt eligible for the offer I requested, even though it was offered to me at preapproval XX/XX/2023 called chase and told them I have documentation of the statement credit offer I received, asked where to send it. Was instructed to send a secure message in chase mobile app. Representative from chase told me what to write and said they will be able to update my offer. XX/XX/2023 sent secure message with a screenshot dated XX/XX/XXXX, demonstrating that I was preapproved with an offer to receive {$250.00} off my first statement credit. Asked them to please update the offer on my account to reflect the one I was promised at the time I applied for the card. told I would receive a response within 1 business day. XX/XX/2023 received a response : We're sorry that we've been slow in responding to the message you sent to us between XX/XX/XXXX and XX/XX/XXXX through chase.com or the Chase Mobile app. We resolved the technical issue that delayed us. We are working to respond to your message, though it may take us about two weeks. If the matter is urgent, please resend the message. XX/XX/2023 - 12 days from initial inquiry, I received this response : Hello XXXX, Thank you for contacting us about your UnitedSM Explorer Card. I'll be happy to review your request. Many of our promotional offers are only available for a limited time. Regrettably, the account is not eligible for the new offer you requested and the original bonus offer will remain on your account. We apologize for any inconvenience. XXXX, we reviewed your credit card account and confirmed that you'll receive XXXX bonus miles after you spend {$3000.00} on purchases in the first 3 months from account opening. Charges must post by XX/XX/2023 to be eligible for the bonus. Our records show you haven't met these requirements yet. If you meet these requirements, we'll post the bonus to your account 6 to 8 weeks after the billing cycle in which you qualify. You'll be eligible for the bonus as long as : - You haven't received a new cardmember bonus on this type of account in the past 24 months. - Your account is open and not in default when we post the bonus. Purchases do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. Each month within seven business days from the credit card statement date, we transfer the miles earned to the primary cardmember 's XXXX account. For information about the miles you have earned or how to redeem them, sign in to your XXXX account at united.com or the United mobile app. We appreciate you being a Chase customer. Thank you, **please note that the screenshot proving that I was offered {$250.00} off statement credit was not acknowledged in their extremely delayed response** XX/XX/2023 since chase claimed some promotional offers are only for a limited time, I responded with the following inquiry : Hello, I would like to know what precise date the promotional offer for {$250.00} off the first statement credit ended. I would like to compare the date I was pre-approved for the {$250.00} statement credit to the date the promotion period ended. Please respond timely. Thank you for your help. XX/XX/2023 Chase responds, but does not provide the dates of the alleged limited promotion : XXXX XXXX, We certainly understand your concern about the new cardmember bonus offer. XXXX, while I want to help you and make sure that your request is immediately taken care of, certain requests must be handled by specialized teams. This helps us provide you with customized solutions and better service. XX/XX/2023 Chase responds and is now claiming that even though I was offered the promotion originally, that it may change or cancel at any time. They also state they can not provide a start or end date ; despite previously claiming that it was a limited time offer. With no start or end date I am led to believe that this promotion is ongoing and I am being given different information from different representatives. Their response is as follows : XXXX XXXX, Thank you for contacting us. We appreciate the opportunity to assist with the New Account Bonus Offer for United ( SM ) Explorer Card. My name is XXXX and it's my pleasure to review your request. XXXX, sign-up offers are promotional. As a result, they may change or cancel. Multiple sign-up offers may be marketed for the same product in overlapping timeframes, via different communication channels. Some sign-up offers may be marketed to targeted groups of customer, versus the general public. Accounts automatically received the sign-up offer applied for. We do not guarantee any sign-up offer can be changed. Each sign-up offer will be subject to eligibility requirements. We can not provide a start or end date for the {$250.00} statement credit offer. The offer you accepted and received a confirmation page during the application process is XXXX bonus miles after you spend {$3000.00} on purchases in the first 3 months from account opening. You have until XX/XX/2023 to meet the required spend. We understand this is not the response you were hoping for. We hope you will understand all inquiries of this kind are handled uniformly, to ensure the equal treatment of our customer base. We appreciate your business and thank you for being a Chase customer. Please contact us anytime with questions or concerns. Upon further research, many chase card holders are on various websites saying that Chase never gave them their sign on offer that was promised, their deceitful marketing campaigns have hurt more people than just myself. The proof I submitted of my offer has been ignored, my claims have been mishandled throughout and they continue to scam consumers with no consequences.
Company Response:
State: NJ
Zip: 07013
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023, I was contacted by phone by a person claiming to be a detective from XXXX Mo. Police Dept. He told me that if I didn't wire XXXX to XXXX XXXX acct number XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX that he was going to come arrest me. I was pressured by repeated calls. I went and wired it and then figured out it was a fraud. I called the bank back within 2 hours and told them to stop the transaction. The representative told me it had been done and the money would be back in my account in a couple days. I waited and called back in 2 days and was told the rep error and did not stop the transaction. They then stated they would file a claim and request the money back. This occurred on XX/XX/2023. They then responded that the bank stated there were no funds available.
Company Response:
State: MO
Zip: 63136
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
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 submitted a compliant XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX against unauthorized transactions made on XX/XX/XXXX and XXXX XXXX XXXX from XXXX ( the total amount of {$6600.00} ) due to properties were stolen. Upon receiving phone call from Chase Executive Office, the specialist requested me to submit an invoice to prove my phone and wallet were lost and I got a new phone. I then emailed XXXX the invoice ( see attachment ). The next day the specialist called me back to inform me that I am not responsible to the unauthorized transactions and XXXXhree days later I received another official letter stating the same that unauthorized transactions will be removed from my account ( see attachment ). On XX/XX/XXXX, the fraud department called me to discuss another unauthorized transaction I reported against XXXX and XXXX. In the conversations, we NEVER discuss anything regarding the previous resolved case on the {$6600.00} from XXXX. However, I received another letter on XX/XX/XXXX declared that I have to pay the unauthorized charges of {$6600.00} for the reason of " You notified us that this transaction is valid. '' I NEVER NOTIFY ANYONE THAT THESE TWO TRANSACTIONS ARE VALID BECAUSE THEY ARE UNAUTHORIZED AND ASSOCIATED TO A STOLEN CREDIT CARD. This is annoying that I have to be bothered by these unauthorized transactions that should have resolved again and again. I request a higher level of supervisor to review the mistake and false statement on the letter Chase made since I do have official letter saying the transactions are removed from my accounts since the previous case closed.
Company Response:
State: CA
Zip: 94901
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I pulled up my account for a balance check before going shopping and I saw an alarming deduction of {$99.00} from my Chase Account. I called Chase immediately and the agent explained to me that Chase Bank have allowed XXXX to deduct XXXX for XXXX consecutive years out of my account without my knowledge. I asked the agent if they had any security system set up where if ithere was an online deduction made to immediately allert bank account holders to see if they have knowledge of the deduction before allowing it to go through, and the reply was no. Furthermore, I never signed a subscription with XXXX or authorized them to deduct {$99.00} out of my bank account without my knowledge for 3 years. Chase Bank is notorious for allowing companies to high jack your account without any security set in place. This is not the first rodeo I have experienced with Chase. I had a transaction in which I paid for a hotel and it was not what I ordered online. Chase has continually delayed the process of refunding the transaction. I am disappointed with Chase Bank because it's reputation does not match how their banking clients are treated and protected.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A