Date Received: 2023-04-14
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Hello, my name is XXXX XXXX XXXX, son of XXXX XXXX XXXX XXXX. The reason why Im messaging the CFPB is because unauthorized transaction was made with a company named XXXX XXXX. This is a case of identity theft, and fraud on the Chase Bank account. My father passed away on XX/XX/2022. Ill find out a loan was taking out of his name in XXXX. The reason why Im contacting XXXX XXXX is that my father and I shared a bank account at the time. They used ACH Transfer and ended up withdrawing the money for themselves, while using my share account with my father to pay off the loan that accounted for the {$8000.00}. I thought it was a past loan my father took from another loan company named XXXX while he was out of work and was doing his XXXX treatment, but while I was looking through my bank account in XXXX. I seen a XXXX XXXX payment. I had no idea who, or what XXXX XXXX was so I called Chase Bank for a quick resolution, which they helped with temporary credit. Recently, I decided to check all my finances including the account that I shared with my father and thats when I found out {$8000.00} that was taken from the same company on XXXX. I called Chase about a month ago about it, I gotten temporary credit again and I didnt have evidence of what was going on at the time but I knew whoever was doing this had malicious intent. However, XXXX XXXX reversed the claim, and said it was valid ACH Transaction. Which led me to find out whats really going on and finding a true resolution for this problem. I called XXXX XXXX, they still haven't gotten back to me for resolution. I'd explain issue and nothing has transpire. Now I'm filing a complaint on Chase Bank, and further investigation I'll do one against XXXX XXXX. Please help me with this issue for this fraudulent problem. It wasnt giving permission to be taken, I have no idea who the assailant was. Its possibility it was virus that was in my computer that gave a hacker information about my father & I finances, SSI, and bank accounts that keep in the computer. Thank you so much. If needed, more information about my account or my father. Thank you. Update : XXXX XXXX had given me the {$290.00} from XXXX successfully saying it was an unauthorized transaction through Chase. However, they're saying the {$8000.00} was authorized, while Chase agrees with them ... Something is wrong.
Company Response:
State: NY
Zip: 10469
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023 I went into the Chase bank to deposit a check in the amount of {$7800.00} into my checking account after logging in and realizing I wasnt able to do a mobile deposit. When I arrived at the bank I filled out my deposit slip to deposit the check into my checking. The bank teller altered my deposit slip and deposited the funds into my savings account without telling me. Once I realized he had deposited it incorrectly I went back in and he said Im sorry I should have told you, your checking account was closed. He gets on the phone trying to find out why. He gets the run around from every person he called. He gave up after 30 minutes saying we would have to call ourselves. I called chase bank customer service and was told a ton of lies for about 45 minutes. The guy said it was closed due to a {$500.00} claim and another claim for XXXX he then comes back and says that was incorrect however he cant get a hold of the department he needs because its closed and to call back tomorrow. I call back first thing XX/XX/2023. After being transferred multiple times and dealing with an extremely rude representative, she tells me my account was closed due to a fraudulent transfer made to my account for XXXX cents. After being told several times theres nothing she can do and that the funds in the account will be consolidated and then whats left will be mailed out. I asked to escalate the matter and talk to a manager. I remained on hold for an entire hour. While on hold I went to do some investigating. I found that there was a transfer initiated of XXXX cents however it was a transfer initiated by Chase and the XXXX cents came from my OWN savings account. They regularly transfer money from savings to checking if checking doesnt have enough to cover a charge. I look online and find a letter they sent on XX/XX/2023 stating that they had initiated the transfer. Once she comes back, she says that the manager approved reopening my checking account and that it will take one business day to reopen and funds available. I then proceed to ask when my check of {$7800.00} will be made available. They put a 7 day hold on this check and refuse to give me any part of it. This is a second payment from this client so clearing this check shouldnt be a problem. She says since this is the first check Ive ever deposited into this savings account theres nothing she can do. I explain that the teller put it in the wrong account and she continued to argue and refused to help. She then said I did what I was supposed to do thank XXXX then hung up on me. It is now XX/XX/2023 and my checking account still doesnt work and my check is still on hold. Its been 3 days now that I havent been able to run my business because I dont have access to my funds. This isnt the only issue I have had with chase holding funds and not making even the {$220.00} required readily available. We trust these financial institutions to have our backs, we are their clients after all right? However anytime I need to call for help I get the run around. The biggest one is that chase can not verify funds on checks deposited. They take the full 7 days to release funds just ensuring they stay within legal limits while their customers suffer.
Company Response:
State: CO
Zip: 801XX
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 - I tried to withdraw {$100.00} in {$1.00} and {$5.00} bills from the ATM of the Chase Bank located at XXXX XXXX XXXX XXXX XXXX XXXX. The ATM did not give me the cash or a receipt. Immediately I filed a complaint over the phone. They gave me a temporary credit while investigating. On XX/XX/2023, without completing the investigation, the credit was reversed. And I called again, they say the investigation is in progress, and the branch has not responded. On XX/XX/2023, I went to the branch in person, after waiting over 1 hour, the associate called the phone line from Chase and they said the investigation is still in progress and they will credit my balance again. As of today, XX/XX/2023, I have not received a credit and don't have a status about the investigation.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On Saturday, XX/XX/XXXX at around XXXX XXXX, I went to the Chase Branch ATM on XXXX XXXX in XXXX XXXX XXXX. I withdrew {$100.00} and then left. The next morning, I checked my account to see how my budget was going and I noticed that there was {$900.00} missing from my checking account. I immediately called Chase to report the stolen money and request a new card. I received an ATM reversal from Chase a few days later. However, on XX/XX/XXXX, I received an update to my situation that stated the reversal had been reversed and that Chase was holding me accountable for the unauthorized withdrawals. I went into the Chase branch on XXXX XXXX on the XXXX of XXXX, XXXX and informed them of my situation. The branch manager helped me fill out a petition to reopen the claim and attached the police report that I filed to the document. The petition to reopen the claim was denied and the reason given was that I had made purchases in the region and used the ATM before. I tried to explain that I am a student who lives in the area but they were unwilling to look into the situation further. Since then, I have called Chase multiple times and asked them to look at the security footage from the branch and they have refused, claiming that I would need to open a lawsuit against them for that to happen. The last time I talked with them was XX/XX/XXXX and I have not received anything else since then. Throughout this process, Chase has been unresponsive and has put as many roadblocks in my way as possible.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I use to have a chase banking debit card from last of XX/XX/ but some how some body sent me a check on my account that use to have with chase banking with cause my bank account to close which am have a hard time to reopen a tradional bank account at any financial institution as of right now which I Had no knowledge of this transaction not until I received the phone from bank tell me they would Involutary closer of account. The amount was deposited on my checking account was checks {$4000.00} XX/XX/. Thank you for your help
Company Response:
State: FL
Zip: 33467
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: Commencing on or about XX/XX/, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX who said he was working for PnC which involved me making deposits for a total amount of XXXX USD from my Chase Bank account to fraudulent investment firm ( s ).
Company Response:
State: NY
Zip: 106XX
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On about XX/XX/XXXX I took out a loan to purchase a house with XXXX XXXX XXXX in the amount of {$350000.00}. At the time I only put 15 % down which required me to get PMI on the loan. The plan was always to improve the subject property and I was specifically told by my lender XXXX XXXX XXXX XXXX, prior to closing on the loan that I could have the PMI removed at any time if the then appraised value of the property resulted in an LTV of at least 80 %. This agreement is further evidenced by the specific PMI removal instructions XXXX XXXX XXXX sent me on XX/XX/XXXX. Sometime earlier this year Chase acquired my loan from XXXX XXXX XXXX After being made aware that my loan had been sold to Chase I contacted Chase to find out how to start the PMI removal process. On XX/XX/XXXX Chase sent me a letter outlining a completely different set of PMI removal terms which, among other things, provides that : ( a ) I am not eligible to have the PMI removed if the loan is less than 2 years old ; and ( b ) that in order to have the PMI removed at any time the then appraised value of the property must result in an LTV of at least 70 %. As provided above, the PMI removal terms given from Chase are substantially different from the terms given by my original XXXX XXXX XXXX XXXX XXXX I have repeatedly tried to explain this to Chase 's representatives and have even sent them a copy of the PMI removal term letter I received from XXXX XXXX XXXX After over a month of back and forth Chase still refuses to honor my original PMI removal terms. The PMI removal terms given to me by my original lender, XXXX XXXX XXXX, were in place at least as of XX/XX/XXXX when the letter was sent to me. Chase subsequently acquired that loan and therefore takes it subject to all of the agreements and obligations of the original lender including these PMI removal terms. Therefore they should be required to honor the PMI removal terms that were given to me by XXXX XXXX XXXX in the XX/XX/XXXX letter. For clarity here, XXXX XXXX XXXX was not simply a servicer of my loan, they were the original named lender on my loan. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Note, this is a resubmission of a complaint that was previously submitted ( ID XXXX ). In response to that complaint Chase insisted that I still need to maintain a 70 % LTV in order to remove the PMI because they insist this property is a " Family Investment Property. '' That is not the case. This loan was set up a " Second Home '' loan which is why I was ale to only put 15 % down for the loan. As such, this would mean I should only need an 80 % LTV to remove the PMI as I have been stating from the beginning.
Company Response:
State: IL
Zip: 60448
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: At approximately XXXX on XX/XX/2023, I deposited two money orders. The atm read only one. On the app it only shows it read the {$740.00} money order. There is another money order of {$1000.00} that was not read, but I did put it inside the atm. I always do these transactions in the beginning of the month. I put these two check inside the atm at the same time. Also I pressed the button for a email receipt but never got one. So I am missing {$1000.00}. The atm is in XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I submitted a claim but it got rejected. I called why it was rejected and they said they couldnt find it. I called earlier and submitted another claim to chase. I am going to attached a picture of the money order for when I deposited it to the atm. XXXX the picture you can clearly see the {$740.00} money order. On the top left, you can see that there is another money order behind it. The one behind it is the {$1000.00} money order.
Company Response:
State: CA
Zip: 90640
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: chase brach at XXXX XXXX XXXX XXXX XXXX XXXX refused to refund my locker fee as amount was charged without my authorization and despite my request to have it closed. I never authorized an auto charge, Chase has took the locker key from my position and closed the locker but never refunded the locker fee.
Company Response:
State: NY
Zip: 10704
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Chase has flagged, froze, and closed my accounts for " fraud '' two times in a row. The first time I tried to verify my identity in person at a branch like they told me and the teller sent my information to the wrong person and my account got closed. Now they flagged my new account again after I tried to up the tip on a doordash order. They're to go up to a branch again but im really considering not bothering with Chase if they're going to keep screwing me over like this. I dont make a lot of money as is and i cant afford to have my bank account frozen all the time.
Company Response:
State: IN
Zip: 46237
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A