Date Received: 2023-03-23
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/2023, I mistakenly transferred funds- {$37000.00} - from my current XXXX checking account ( account no. XXXX ) to a prior XXXX XXXX checking account ( account no. XXXX ) that has been closed for approximately 10 years, but was still linked in my XXXX account. XXXX has confirmed that they recycled my XXXXXXXX XXXX checking account ( account no. XXXX ) and that this account is now with another consumer. However, XXXX will not return my funds and is insisting that XXXX dispute and/or recall the transfer / funds in order to process the return of my money, but XXXX is refusing to dispute or recall the transfer.
Company Response:
State: IL
Zip: 60647
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My credit card account was opened in XXXX and I have never defaulted on payment. Last year I paid no interest because I paid off the balance each month. On XXXX XXXX XXXX I received a letter that CHASE had closed my account " because of your association with a Chase credit card, deposit or investment account that was previously closed. '' I called the questions line, XXXX but CHASE would not elaborate on the reason for closing this account. My credit rating is over 800 points.
Company Response:
State: MO
Zip: 640XX
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: The bank has reversed a transaction for items that were never delived to my house. They are then tying to XXXX assault me or my children for the balance of the checking account. There were several items ordered, and when the deliver was to take place there was no longer a way to login and check the delivery of the grocery items. The grocery items included a large case of XXXX and other delivery items that were never brought to the door. The bank was not given sufficient evidence of the items having been delivered and they went ahead and deducted the claim amount from a different bank account. The account which the claim existed for was already closed and resolved.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 while at work I received a phone call from Chase Fraud Services about an unauthorized use of my credit card. I said the transaction was not authorized. While on the phone with the Chase Fraud Services I received emails that my debit card was being used to make unauthorized purchase totaling {$9400.00}. While still on the phone with Chase Fraud Services {$10000.00} was transferred apparently by telephone form my business account to my personal checking account. This was used to pay for the debit card purchases that originated overseas. I told the Fraud Service representative that none of these transactions were authorized. I said this several times. This was happening in real time. The next day I went to my local branch to obtain new credit, debit, business checking and personal checking accounts. While there I told the Chase representative that the debit charges were still listed as pending and they were not authorized. Needless to say the debit charges went through. Chase has determined that I authorized all these transactions which is not true and wants me to repay {$8400.00} in overdrafts and be responsible for the {$1000.00} Chase took out of my account. I want the {$1000.00} returned to my account and for Chase to be responsible for the overdrafts as I did not authorize these transactions. Attached is a Certification and documents that support my claim against Chase..
Company Response:
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: XX/XX/XXXX Dear Sir/Madame : On XX/XX/XXXX, I received a letter from Chase Bank XXXX Deposit Mail Services XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX XXXX phone : XXXX, advising me that they are closing both my checking and savings accounts, because of unexpected activity, quoting : After careful consideration, we decided to close your account because of unexpected activity on these or another Chase Account. I stopped by one of their branches at XXXX XXXXXXXX XXXX XXXX, NY XXXX to discuss the matter. The representative with whom I met thoroughly checked my accounts yet could not find any red flagged activities. The representative stated that the staff in the Chase Banking branches do not handle those types of issues and suggested that I check with the Chase Global Security Investigation. I have been a Chase Bank customer for several years, first with my daughter, then later with my son, in XXXX. I have a portion of my salary directly deposited into my checking, and I also have a savings account as well. I would like for Chase to explain what is Unexpected activity? Chase Bank also mailed a similar letter to my daughter who is presently the sole owner of an account that we used to share for the same reason. For the records, my XXXX children and I are both professional individuals, and law-abiding citizens. I thank you for your time and assistance in this matter and look forward to hearing from you. I will forward copy of the Chase Bank letter I received upon request. Best Regards,
Company Response:
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX I received a letter from Chase Bank indicating they were closing my credit card, just 3 months after opening, because they had previously terminated the relationship ; that was in XXXX due to their negligence. Almost the entirety of the current relationship were two vacation purchases, both paid off on time.
Company Response:
State: CA
Zip: 92037
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX XXXX issued a check to XXXX and XXXX XXXX XXXX XXXX from the escrow funds. On XX/XX/22 XXXX deposit a check in her personal account in Chase under XXXX XXXX XXXX XXXX account # XXXX. Few days later : Check was on hold because it needed more verification. On XX/XX/22, XXXX received a letter that her personal Chase account was going to be closed because the check was not verified and sent to the Lost and Protection Department. XXXX called Chase asking why the account was being closed and Chase said that XXXX needed to come in person to one of Chase branches to verify his identity. After my husband and I visited the branch several times, providing Chase with all the information they were requesting. Chase said that they needed a copy of the check cleared from XXXX. When we called XXXX from the Chase branch with their representative, XXXX said that they were no longer responsible since the check was clear and paid on their end. Chase wanted me to contact XXXX and speak to the person that endorsed the check. XXXX said they dont have a department or who to transfer us with that question. Six months have pass and we are still trying to get our money released from chase and Chase still doesnt have an answer for us or resolution. and Chase has not released my funds. I need someone to help me since my mortgage has gone up due to the escrow shortage and Chase has not come up with a resolution.
Company Response:
State: FL
Zip: 33177
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Over the weekend, XX/XX/XXXX - XX/XX/XXXX, I received an alert when attempting to log into my XXXX account. The alert said that the online account had been locked due to fraudulent account access and that I would need to call in to unlock the account. I called in over the weekend and spoke to customer service. They informed my the department that could unlock the account wouldn't be open until Monday. So, I called back Monday morning and got the account unlocked. Fast forward to XX/XX/XXXX and the account gets locked again with the same fraud message to call in. So, I call in and get the account updated and unlocked. The gentlemen informed me that he needed to get me over to the credit card fraud department as there was a flag on the account. That department informed me that a large amount of rewards points were transferred out of my accounts and also gift cards were redeemed. So, the submitted a fraud claim to get that resolved. At that point we got with customer service and further reviewed the account to find out that someone gained online access to my account from XX/XX/XXXX - XX/XX/XXXX. The fraudster updated the email address in the profile to maintain access of the account. Further investigation with the Chase Customer Protection Group revealed that the fraudsters made multiple attempts to access the account on the 16th and finally called in to Chase customer service to answer some generic security questions. After that call was made, the fraudster gained access to the online account. They then proceeded to update two of my existing ACH vendor payee accounts with their bank account and routing information. Then they sent out three fraudulent ACH payments that appear to be going to legitimate vendors but in reality the money was sent to the fraudster 's bank account. These ACH payments total {$13000.00}. In addition, they transferred out over XXXX rewards points and made gift card redemptions online. I have called and spoken with numerous people in the Chase claims department, but they don't seem to be talking to their other departments and putting the puzzle pieces together like I have described above. I was just informed that the pending claim was going through to be denied. Ultimately, Chase 's Customer Protection Group agrees that the account was compromised by and individual whom they gave access to via a fraudulent phone call to customer service. Yet their claims department is denying any fraud occurred and denying the ACH claims. I haven't even been given a straight answer if XXXX has reached out the the bank the funds were sent to to try and get the stolen money back. The bank name, routing number and account number are all shown in the ACH transactions.
Company Response:
State: TX
Zip: 756XX
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I am writing this letter to bring to your attention a potential violation of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) in regards to my account with your institution. It has come to my attention that your company may have violated 15 USC 1681 ( a ) ( 2 ) ( B ) of the FCRA, which excludes any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device from the definition of a consumer report. As per the Truth in Lending Act 15 USC 1602 ( g ), a credit card is defined as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This definition includes my social security card, drivers license/ID, and license plate which were used for the extension of credit. Thus, your company 's reporting of this account on my consumer reports is a violation of the FCRA. Moreover, I believe that your company has violated the GLBA by failing to provide me with proper notice and an opportunity to opt-out of the disclosure of my nonpublic personal information to nonaffiliated third parties. As per GLBA Section 6802 ( a ), a financial institution may not disclose any nonpublic personal information to a nonaffiliated third party without providing a notice that complies with Section 6803 of the Act. Furthermore, GLBA Section 6802 ( b ) ( 1 ) requires that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given the opportunity to direct that such information not be disclosed. However, I have not received proper notice from your company nor have I been given an opportunity to opt-out of the disclosure of my nonpublic personal information. Therefore, I am hereby requesting that you provide me with all the above-required disclosures as per Federal Law.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hi I have settled my XXXX XXXX account, my XXXX XXXX account and my XXXX accounts. They are all telling me they cant remove them from my credit even though Ive settled and paid as agreed. Please help me remove them as negative remarks on my credit.
Company Response:
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A