Date Received: 2023-03-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have met with CHASE representatives in person and over the phone since XX/XX/2022 requesting their leadership with a check for {$6800.00} made out to the XXXX XXXX XXXXXXXX stolen in the mail, falsely endorsed and then cashed by XXXX XXXX who clearly has such poor security protocols in place. Following hours and hours of meetings and communication for the last NINE MONTHS, along with CHASE representatives telling me over and over that I need to give this issue a little time, meaning XXXX days, and being told that CHASE is my representative in solving this issue, I receive without any warning a notification by email and dropped into my portal stating that MY bank has been unable to recover the funds and work with XXXX XXXX to resolve this they have given up and just closed the case. Insulting and unacceptable. In calling CHASE, I was told that it is due to a " law '' -- what type of law would not protect consumers and just allow banks to be incompetent, not solve the core problem, and ultimately, allow their customer to be left with few solutions. I should note that I have sent this issue to XXXX XXXX in XX/XX/2022 with no resolution and with no courtesy of a long standing customer receiving the provisional credit while the two banks sort out their issues and ultimately weak systems. This is disgraceful. The impact of this level of incompetencies on regular hardworking families is beyond reason. Please make both of these banks do the right thing.
Company Response:
State: FL
Zip: 33156
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Chase bank XXXXXXXX XXXX XXXX XXXX I never opened accounts and Im trying now and they wont let me
Company Response:
State: MI
Zip: 48174
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I went to Chase bank to deposit {$1500.00} in cash into my checking account to pay my rent that was due ( I XXXX and get paid in cash mostly ). I pulled up to an atm, inserted my card, selected deposit cash and starting putting small stacks of cash into the slot as I always done in the past. On the last pile i inserted it gave an error message and spit out a {$50.00} back but the rest was in the machine counting. When It was done the total only showed {$500.00} dollars ( I believe that was the number it displayed but I know it was not the {$1500.00} I put in the machine ) so I was shocked and instead of agreeing to deposit the incorrect amount I pushed cancel instead of ok. The machine proceeds to spit out cash back at me and I counted it immediately and {$600.00} of it was not there. I was dumbfounded and figured it was a glitch so I called chase right away while at the atm and was instructed to file a claim and to not worry my account will be credited. I went inside to deposit what I did get back and spoke with a bank employee who also reassured me. Its been 2 weeks and 2 claims denied later now and I still havent seen my money. Ive gone to the bank and called several times and it seems like they have no interest in validating what happened and.returning my {$600.00} please help!
Company Response:
State: IL
Zip: 60614
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I already have an existing claim on this issue but Im filing another claim because Chase has now I guess youd say has takien revenge. In a month and a half they have done three escrow analysis. The first one done early XXXX and one done late XXXX showing the overage of {$4500.00}. That check was supposedly mailed to me twice which is why they did the analysis twice. I have ecopies of the statement showing the voided check. I never got it which is why they did it twice. And now, after I filed a complaint, which, by the way, the individual at chases executive office called me one time, gave me her contact information and I called her back XXXX times with no response. Now all of a sudden, since I filed a complaint, they did another escrow analysis for no reason, and mysteriously my tax payment has now increased enough to where I dont get an overage. Amazing that in a matter of two weeks and three escrow analysis, all of a sudden the money that Chase owes me is now going to the state for property taxes. Explain to me how XXXX county just miraculously selected my property to do a random tax increase AFTER the new year analysis had already been done last month, and yet they raised the taxes for me after I filed a formal complaint against Chase. So odd. This is completely illegal. I reached out to the city of XXXX County and Ive looked up my projected taxes and they are NOT what Chase is claiming inthis 3rd escrow analysis. What Chase is doing is theft and fraudulent. Just amazing that the amount that they came up with this time completely zeroed out the escrow account versus them sending me the money that they sent me just two weeks ago and two weeks before that. But again, miraculously, I didnt get those statements. Got my mortgage statements so clearly the mail is working. Seems to me as like there might be some huge scam that Chase is working with peoples money in there overages. They will not call me back. They will not respond to their actions. They have stolen my money. Do you know the financial institutions right now? Really arent looking too well in the news. Id be more than happy to contact the local news here and let them know what XXXX is doing, and then you know I bet people might make a run at chases banks. Theres a lot of people in Arizona the bank with Chase. Probably wouldnt be best for them. But if I dont get some responses and I dont get my money, I will be more than happy to bring this to the attention of the media.
Company Response:
State: AZ
Zip: 85338
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I received a check from the apartment leasing company ( the XXXX XXXX at XXXX XXXX XXXX Apartment ) and used the mobile check deposit service at Chase. That check has 4 names, and I am among one of them. The deposit went successful and I saw that sum of money on my account. However, Chase froze my account on XX/XX/2023 saying that all 4 receivers should come to Chase branch to validate their identity. Since all 4 receivers are now in XXXX, and it takes time to prepare for the XXXX, I tried an alternative way to let the issuer recall the check. The feedback from the issuer says that since the transfer has been made, they could not make recalls or disputes over that check. Unfortunately, I saw my account closed by Chase before today ( XX/XX/2023 ) without informing me, without returning my remaining funds in that account, and without letting me get access to my online statements. Chase refuse any other possible solutions except " letting all 4 receivers come to the branch '' and " allowing the check recall process ''.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: My company XXXX XXXX XXXX in XXXX XXXX, NY sold a watch to a client for {$91000.00} receiving funds as a Federal Bank Wire. The money was sent from a jp morgan chase account to our jp morgan chase account. The funds cleared and posted to our account which we then delivered good two days later after clearing in XX/XX/2022. The bank without any warning or notification to my company decided to withdraw the funds directly from our account two months later in XXXX 2022. After speaking with the bank managers and customer support representatives they stated that the transfer which was made at a jp morgan chase branch in person was fraudulent and they are unable to honor the funds that were sent to our account. the client we sold it to is no longer responsive. I do not understand that if it is the banks duty to verify a client and confirm their identity and then process and send funds to another account the risk is their own. We send and receive hundreds of wires per month without any issue, and every time there has been something the bank has notified my company, the bank states when sending a wire that they are irreversible and that is why we only take wire payment from our buyers. The bank stated they are investigating this and have went cold after weeks of emails and no responses from their management staff. If there is fraud going on at the branch level or their inability to verify a client to prevent fraud they have to be held responsible for their lack of the proper processes in order to conduct business. I am being made the victim here when the bank is the one who is suppose to be held responsible. I am missing {$91000.00} from my business checking account because the bank decided to remove the money from my account without due process and against their own policies.
Company Response:
State: NY
Zip: 11746
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to dispute several hard inquiries on my credit report. According to my credit report, there have been several hard inquiries made by various lenders over the past few months that have negatively impacted my credit score. I understand that lenders have the right to request my credit report as part of their lending process, but I believe that these inquiries were made without my consent or authorization. I have not applied for any credit or loans during this time period and have no knowledge of any lenders or financial institutions conducting a credit check on me. As you are aware, hard inquiries can stay on a credit report for up to two years and can have a negative impact on my credit score, which can affect my ability to obtain credit in the future. Therefore, I am requesting that these hard inquiries be removed from my credit report immediately. I have already contacted the credit reporting agencies and disputed these inquiries, but I have not received a satisfactory response. I am hoping that your organization can assist me in resolving this matter as soon as possible. My credit report clearly shows the unauthorized hard inquiries from the following companies XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please let me know if you require any further information or documentation from me to resolve this matter. Thank you for your assistance in this matter. I look forward to hearing from you soon. Sincerely, XXXX XXXX
Company Response:
State: TX
Zip: 77469
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I sent a letter asking XXXX, XXXX, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. According to 15 USC 1681i - XXXX, XXXX, and XXXX have 30 days to investigate and send me the results. And They also didnt even record the current status of the disputed information which is another violation. I have all the evidence attach below JPMCB CARD ACCT # : XXXX BAL : {$0.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX # : XXXX BAL : {$6100.00} DATE OPENED : XX/XX/XXXX XXXX XXXX JPMCB CARD ACCT # : XXXX BAL : {$6900.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX ) ACCT # : XXXX BAL : {$910.00} DATE OPENED : XX/XX/XXXX Collection JPMCB CARD ACCT # : XXXX BAL : {$6900.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCT # : XXXX BAL : {$2300.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX ( original Creditor XXXX ) ACCT # : XXXX BAL : {$1800.00} DATE OPENED : XX/XX/XXXX Collection XXXX XXXX XXXX ( Original Creditor : XXXX ) ACCT # : XXXX BAL : {$520.00} DATE OPENED : XX/XX/XXXX Collection
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Fraud or scam
Subissue:
Consumer Complaint: Scam XXXX take my money as the following : XX/XX/XXXX XXXX From XXXXXXXX XXXX wire transfer at second day I got a call : fraud JP Morgan Chase Bank did 7 times wire transfer to the scammer, until today they never call me just keep going sent to scammer. some time receiver also Chase bank 's customer. XX/XX/XXXX {$19000.00} XX/XX/XXXX {$57000.00} XX/XX/XXXX {$70000.00} XX/XX/XXXX {$50000.00} XX/XX/XXXX {$50000.00} XX/XX/XXXX {$50000.00} XX/XX/XXXX {$20000.00}
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Called into Chase customer service on XX/XX/23 to discuss getting promotional benefits early. The specific benefit was the companion pass on their XXXX Credit Card. The customer service agent advised that I could receive the companion earlier than the expected timeframe and I would see it applied to my account by XX/XX/23. I booked my flight ( departure on XX/XX/23 ) based off this information and under the expectation that I would use the companion pass for my XXXX XXXX XXXX daughter. Reviewed my XXXX account on XX/XX/23 and did not see the companion pass added to the account. I contacted Chase customer again on XX/XX/23 and escalated to a supervisor to review my account. The supervisor advised that I was given inaccurate information and told me I would not be receiving the companion pass benefit prior to my flight. I told the supervisor that I never would have booked this flight had I known I would have to pay for the additional seat for my daughter. The supervisor advised that they would provide feedback to the customer service agent but there was nothing else they could do for, regardless if I booked a flight under false pretenses. When reviewing flights today to add my daughter, it was going to cost nearly {$400.00}.
Company Response:
State: AZ
Zip: 85383
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A