Date Received: 2023-03-21
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: J.P. Morgan Chase cashed a fraudulently endorsed check and deducted from my account.
Company Response:
State: CA
Zip: 92009
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received a {$850.00} tenant deposit refund. I mobile deposited it into my checking account with Chase on XX/XX/2022. I was given an availability date, as that date rolled around my entire account was not working. My funds were frozen and about a month later or so, the account was closed. The funds still will not be released to me. According to the bank, they will not release the funds until the maker of the check will verify the check by a phone number with the company. Every phone number I have given the bank does not work for verification. The manager of the company went into our local branch and nothing she said/did or any of the numbers she had for the company would verify it through the system chase is using. I have been given multiple different answers on other ways to verify it but then the next person will say no so it wont work. I have called various times, the manager has done everything possible she can, chase still tells me they will not release the funds to me. This is a bill pay check, that now has changed company/management. The money is already out of the companies bank account and the check id cashed so Im not able to take it elsewhere, either.
Company Response:
State: TX
Zip: 77803
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Chase Freedom Credit Card Charged cash advance fee for a yoga class. Incorrectly assigns XXXX transactions a cash advance status Charged over {$100.00} in fees. Notification setting of card notification setting intentionally misleading. Failed to notify of {$10.00} fees on XXXX occasions
Company Response:
State: AZ
Zip: 85718
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Our complaint is with Chase Bank ; we have had our account for 5 years and are in good standing. I deposited a check from XXXX XXXX XXXX XXXX XXXX in our savings account on Friday, XX/XX/2023 and was told the check would be held for 7 business days. XXXX was set up by the Commonwealth of Massachusetts and is governed by the insurance commission of the Commonwealth. We received this check pursuant to a loss after the record freeze that hit the northeast in early XXXX and we sustained over {$100000.00} in damage from 2 bursted pipes. When I questioned why the long hold, they said to call on Monday, XX/XX/2023 to remove the hold. On Monday I called twice and spoke to a representative and a supervisor and was told to call on Tuesday, XX/XX/XXXX because XXXX was closed and they could not verify the item with the maker. This morning I called and spoke to a Supervisor who verified the check as being issued by XXXX and was told by her that the hold would be lifted in approximately 20 minutes. In the afternoon when the hold had not been lifted I called again and was told the request to lift the hold was denied. I asked for a supervisor again. Supervisor said the request had been denied and she had to call XXXX XXXX XXXX XXXX to verify funds had cleared. At XXXX today I was advised by XXXX that the funds had cleared XXXX XXXX and that she was going to request the hold be lifted and to wait 20 minutes. I called at XXXX and was told it was still in review to wait another 30 minutes. I called at XXXX and was told that the request was denied because they had to verify funds had cleared XXXXXXXX XXXX XXXX XXXX. I advised them that this had been done this morning and asked to speak to a supervisor. This latest supervisor is sending a third email to get the hold removed. In summary, I have spoken to 8 representatives and 3 supervisors and spent over 4 hours on the phone today, mostly on hold, trying to get this resolved without success. The maker of the check has verified issuance and the payor bank has verified funds have cleared. However, {$0.00} have been released from the hold and not even the minimum amount of {$200.00} per Reg CC has been released. As this check is issued by an arm of the Commonwealth of Massachusetts and we are entitled to funds availability within 1 business day, I believe Chase is in violation of Reg CC and is causing me undue harm and distress.
Company Response:
State: FL
Zip: 34747
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My bank account was set up with Chase since I was XXXX years old, I owned the account for almost 10 years before the incident occurred where Chase froze and then closed my bank account with no notice, access to my funds including a cleared check of {$6800.00} and my pay check which had been a reoccurring deposit / transaction for 4 plus years from my place of employment. On the morning of XX/XX/XXXX, I electronically deposited a check to my checking account though J.P. Morgan Chase Bank in the amount of {$6800.00} that was sent to me by a cash back rewards online program I have been using for 2 years now via mail with my name and address on it. All of my information was correct, it was made out to me with the exception of my hyphenated 2nd last name. When I deposited the check it said that the funds would be available on XXXX. It took some time to clear and when the funds showed that they had cleared and were in my account when I checked a couple of days later ( XX/XX/XXXX ), I decided I was going to transfer some of the money into an external savings account I had previously sent money too many times over the course if the year. What I did not know at that time is that my account had been frozen, so I received a notification later than morning that my transfer had been cancelled and did not happen. I proceeded to call that morning and asked to speak with someone who could help me understand what the next steps were and an explanation for why this had occurred, I was told that the funds would be available to me within the next 10 days or I could call the place that issued me the check and request that they stop the transfer, being that I had already deposited the check, I believed I should just allow them to do their jobs and all would be okay. I received no communication from them until by the morning of XX/XX/XXXX, at this point both my savings and checking account were now frozen along with all of my finances ( 2 weekly pay checks, the check deposit I made and anything in my savings account ). When I called on the morning of XX/XX/XXXX, I was told that they needed to get in touch with the place that issued the check to me ( XXXX ) and that they would not allow a 3 way call, they can not leave voicemails, send them an email or use any other form of communication other than a call that they ( chase bank ) initiates so they could verify that they check was intended for me even though the check cleared and they had the funds received. They told me this was the only way. At that time I was also told for the first time that if they ( their fraud team ) were not able to get in touch with XXXX to confirm whatever information wanted, my account would be shut down by XXXX that same afternoon. However, due to covid the company XXXX was no longer able to take incoming phone calls and since Chase would not allow XXXX to call them the only way was a three way phone call, which chase was not allowing. Just like Chase, XXXX does not allow calls both due to staffing and also to protect their clients information but they would allow a three way call or help if Chase was willing but they were not. Despite my many attempts to explain this to them, and them listening to the same message play back explaining the information I explained to them when they called XXXX they insisted the could not do a 3 way call, XXXX could not call them or initiate the call, and only they could call out. I was then told by the supervisor of the fraud department for chase that if I was able to get in written form of communication from XXXX that the check was indeed intended for me ( the person who's name was written on the check ) and take it to a Chase bank onsite it could be reviewed by a bank manager, the documents would be sent over for record and I would be good to go. With that direction I contacted XXXX via email over the course of the next couple of hours and obtain the information with a copy of the deposited and cleared check, etc. drove to a Chase bank and provided all the documents, explaining the situation to the bank Vice president who also agreed that all was on order and he would send all the documents to the team who would review the information but that everything should be just fine as this would clear up any issues. After a couple hours I called them to ensure all the documents were received and where in process. At this point I was now being informed that it was under review and would take up to 8 hours for them to process the documents but my account would not be closed, and to be patient. Within the next couple hours, I looked on the mobile app where I saw my accounts where no longer coming up on the dashboard. I called again and was informed they are just in a review and to allow them to complete this process, that they still showed the accounts open. The following day, I called and I was told that regardless of the " incorrect information everyone has been giving me '' my account was closed and there was nothing I could do about it. I asked about the funds in my accounts, I was told that my balances with the exception of the check I deposited for over {$6000.00} would be mailed to me at the address on file and that if they were not able to confirm the information they wanted with XXXX via their phone call the money would be sent back to XXXX, and if they did get in touch with them since they would be making continuous efforts to get in touch with them and get the matter resolved, I would get a check. A couple days had passed and I had not heard or received a check, I reached out to their fraud department supervisor again, she told me that the information I was given about the funds going back to XXXX was incorrect and instead it would sit in a General Ledger account until they got in touch with the company to confirm the check was for me and that I would never be allowed to open an account with Chase again until the matter is resolved by XXXX responding to their phone call and no other way could be used as verification but the remaining funds was already processed, I received that check about 10 business days later in the mail. Since then, no movement has occurred on it. Chase has not attempted to try to resolve the situation regarding the XXXX check in the amount of {$6800.00} and I am unsure what to do and I do not believe this is fair. I provided any and all requested information, even sowing statements of high dollar checks being cleared and deposited with no issues in my external savings accounts with other banks, emails, etc. The check had my name, address, etc. and most importantly it cleared, they had the funds. I have tried inquiring about it but I am unsure what is being done to resolve the issue or if anyone is trying. Please review this! Thank you
Company Response:
State: FL
Zip: 34953
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Other transaction problem
Subissue:
Consumer Complaint: This complain is related to a previous one ( XXXX ) because I still have not received my money back even if CHASE has everything to do it since XX/XX/2022. After the last complain Chase response I contacted the bank-recepient about issuing NULL AND VOID LETTER as Chase mentioned that they don't have it. Bank-recepient responded at the end of XX/XX/2022 and issued the required latter. Since then I have not heard anything from Chase even if Chase is a same part of XXXX organization as the bank-recepient is. So, Chase just doesn't care about its responsibilities and its customers.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Some one used my card and made unauthorized atm withdraws. I reported it and the bank said since it was used in my area and since it was a chipped card they denied my claim. This is against regulation E
Company Response:
State: CA
Zip: 92345
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX I went to Chase bank on town center parkway on XXXX XXXX. I had a large glass jar full of cash that I had collected for about a year which was roughly XXXX XXXX dollars. I went to the teller and asked to get the cash deposited into my account. The teller instructed me to separate the bills by XXXX, etc. I asked the teller do you want me to count it again she said no. I separate the bills and when I was done an employee a woman named XXXX instructed me to use the atm instead of going to the teller. She stood there and oversaw the process. She instructed me to put a chunk of the money into the atm I then asked XXXX should I count how much XXXX putting in at a time? She said no the atm will count it. The first chunk of cash that went into the atm was counted and amounted to be {$1200.00} but the atm did not give me a receipt. We did another chunk of cash after that and XXXX stepped away while the atm was counting it. While she was gone the atm jammed and showed an error message but did not display a dollar amount nor did the atm print a receipt. No money was deposited into my account from either transactions. When XXXX came back I explained to her what happened and the atm still had the error message displayed. XXXX told me there was nothing she could do and had to get her XXXX XXXX involved. XXXX got involved and still did not have a solution for me. The only thing he was able to do was get me two temporary credits one of {$1200.00} for the transaction that displayed on the atm and one for {$300.00} to amount to {$1500.00} so I could pay my bills that were coming in a week. XXXX assured me that the atm would be audited and the remaining money I was owed would be deposited into my account within XXXX weeks. Today XX/XX/XXXX nearly a month after the incident I reached out to the customer service line to check on the status of my missing money and was told that my claim was only for {$1500.00} which is wrong because I told both XXXX and XXXX the day of that the jar had roughly {$3000.00} in it. Customer service told me there was nothing they could do and to go to the branch. I went to the branch and spoke to a XXXX XXXX who was extremely dismissive and unhelpful she told me the machine had to be audited to find out how much money I was owed even though I explained to her that this happened a month ago and that should have been done already. XXXX also refused to let me speak to XXXX the XXXX who dealt with the original issue and would not allow me to make an appointment to see the branch XXXX XXXX. I called chase again to make an XXXX complaint to have it documented that the situation took place and after my complaint I was told that the bank did their investigation and decided I was owed {$1200.00} and that they took {$240.00} out of the {$1500.00} credit that they gave to me. I told them there was no way this was correct and again I was met with theres nothing else we can do.
Company Response:
State: FL
Zip: 32246
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I just got off the phone with Chase Bank and I am both furious and worried. I am especially worried about the safety of my money along with others. A synopsis of my phone calls are below. XX/XX/XXXX I received a call from Chase Fraud. It is an automated call and states I am to call XXXX. I call and speak to XXXX. She needs to verify my identity. She wants to send a text message. I do not have a phone for text messages. After much to do, she asks me if my phone number ends with XXXX. I say yes. She states she will hang up and call me back. She asks for me to state my entire telephone number. I state XXXX XXXX XXXX. We hang up and she calls me back. She says there is no information at all on why Chase called and left that number. I tell her I think it is related to a transfer I placed online for {$21000.00} to XXXX and give her the transaction number. She states she is with debit card fraud and needs to transfer me to Customer Service. She also gives me the phone number of XXXX XXXX. She transfers me to XXXX in Customer Service. XXXX also wants to verify my identity. She wants the last four of my account number, then the last four of my credit card, then the security code on the back of the credit card. After that information, she states that she can not help me and needs to transfer me to the fraud department. She transfers me to XXXX. XXXX also needs to verify my identity. She asks me security questions similar to credit reporting agencies. They include the make and model of my car, my height, the make and model of a car I do not own, that one confused me because she asked for the color of a XXXX XXXX car, we own a XXXX XXXX truck so I answered red ( the color of our truck before asking for the question to be repeated and stating that we don't have a XXXX XXXX, then the address of a former home. I became suspicious after the 4th question and state I won't answer any more questions, even credit reporting agencies stop at three questions. She states she can not help me if I won't answer any more questions. I ask to be transferred to her supervisor. She transfers me to XXXX. Her title is Supervisor, but no last name. She states she has to verify my identity and since I refused to answer all of XXXX 's questions, she can not help me. It was extremely argumentative discussion with her repeatedly interrupting me. When she finally let me explain my complaint, she said I would need to go into my local branch with 2 forms of identification to verify my identity since I was uncooperative with XXXX.
Company Response:
State: CO
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : JPMCB CARD XXXX Date Opened : XX/XX/2017 Balance : {$7000.00}
Company Response:
State: NY
Zip: 11218
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A