Date Received: 2023-03-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: There has been multiple teller withdrawals for my J.P. Morgan Chase Bank accounts since XX/XX/2023 in the total amount of est. {$4500.00}. I have spoken with branch manager at Chase, Chase protocol in preventing future frauds is unsuccessful. More fraudulent withdrawals kept happening to my account.
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I write seeking your help because JP Morgan Chase, my bank of 42 years, will not reimburse me for funds unlawfully drawn from my Chase checking account by XXXX XXXX XXXX * * * Background : In XX/XX/XXXX, I mailed a rent check to my landlord in the amount of {$2000.00}, as I had always done for the previous 39 years. The check, according to the landlord, never arrived. I immediately notified Chase Bank, on XX/XX/XXXX, because funds in that exact amount ( {$2000.00} ) were missing from my account. Chase said it would investigate. Chase then sent me documents that I needed to sign and notarize, and which also required a notarized signature from my landlord, affirming that neither I nor my landlord were responsible for the cashing of the lost check. I returned the dually-signed and notarized document to Chase, as requested. Months passed, so I contacted Chase 's fraud department for a progress report. Chase informed me that an unknown individual was seen on an ATM camera depositing my check at a XXXX XXXX Bank ATM, and that that person took the money. Chase said that XXXX XXXX was responsible for my lost funds, not Chase, and that Chase would contact XXXX XXXX and seek to obtain reimbursement of my lost money. I continued to reach out to Chase throughout XXXX. The Chase fraud staff had sent a letter to XXXX XXXX on XX/XX/XXXX ; and again on XX/XX/XXXX, and again on XX/XX/XXXX. Chase informed me that XXXX XXXX had not responded to any of these communications. On XX/XX/XXXX, Chase sent me a notice. It reads, in relevant part, regarding my claim XXXX XXXX XXXX XXXX XXXX : " We will continue to follow up on your behalf. However, if at 90 days after the date that your claim was submitted we have not heard anything from the depositing bank, we will close your claim and your funds will not be recovered. '' I immediately called Chase and asked how it was possible that one of XXXX 's major banks can not get another major American bank to even acknowledge this theft. I also asked when the XXXX deadline clock began. The Chase staffer said the date would be XX/XX/XXXX. So, I said, in other words, you will let XXXX XXXX take my money if you don't hear from them by or before XX/XX/XXXX? Chase responded, " Yes. '' * * * My landlord still has not received his rent payment that was lost. I am retired and receiving Social Security XXXX. I fear my landlord will attempt to evict me for non-payment, despite my best effort to pay what I owe him. * * * I can not imagine that XXXX XXXX Bank would ignore another major bank on an issue like this if Chase, too, was not also ignoring such requests from other banks as well, including XXXX XXXX. In other words, I believe that this practice may be endemic, and the safety of depositors ' funds be damned. I plead for your assistance to get to the bottom of this matter. I am available to answer any questions that you may have, at any time. Thank you for your consideration.
Company Response:
State: NY
Zip: 10034
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/2023 I was the victim of an Internet Fraud Scam. I believed that the people I was dealing with were from Chase Bank and XXXX. They informed me that my financial information had been compromised and that people involved in XXXX XXXXXXXX and gambling had already taken thousands of dollars from my accounts. They told me that the only way to handle this was to get encrypted accounts and that they would help me complete that. The scammers told me that the people who had taken my money were from Chase and therefore I needed to follow their instructions. I then wired {$38000.00} to to a person named XXXXXXXX XXXX at XXXX XXXX XXXXXXXX in XXXX, CA. When I got home, I realized that I had been the victim of a scam and I called the police. XXXXwo police officers came to my home. The police report that was sent to me Indicates that I am the victim of " PL 155 Larceny ; Larceny Petit by False Promise and PL 155.3501 Grand Larceny 3rd Degree, 23H Felony. '' On XX/XX/2023, a detective from the XXXX precinct in XXXX, NY called me to tell me that he was able to contact law enforcement in XXXX, CA and that the recipient 's account was able to be frozen, except for {$10.00}. Thus, {$37000.00} was on hold and did not get sent. He told me to work with Chase to get my money back. Since that date I have been working with Chase to resolve this. I was told by the Wire Department at Chase that if I got a Hold Harmless Letter from Claims at Chase, the money could be sent back to me. Claims at Chase is refusing to do the Hold Harmless Letter because they say I initiated the wire transfer. I contacted Complaint Escalation at Chase but with no success in getting Claims to submit the Hold Harmless Letter. I have tried to explain to Complaint Escalation and Claims that I am the Victim of a Crime, that my money is waiting for me, and all that is needed is this letter allowing XXXX XXXX XXXXXXXX to release the funds.
Company Response:
State: NY
Zip: 11106
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Amazon Visa card application. It provided a section where you can check if you prequalified without hurting your credit. Followed the link and received a congratulations you qualified. Started to and filled out application and submitted. It came back with you are not approved. So not only are they deceptive, but also intentionally hurting your credit score. I have excellent credit score of XXXX. Now it is affected by this intentional and willful act of deception!
Company Response:
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am not looking for you all to do anything necessarily. I just want to vent and I don't feel like going to the bank 's headquarters would do any good because I feel the local branch 's terrible customer service is a reflection of the overall corporate attitude at this horrible company. Chase Bank is evil. It's an evil company full of evil greedy people. I don't understand how they have been able to get away with everything they've gotten away with. They're too big. The CEO makes too much money. I closed my checking and savings accounts with them a few years ago because they were nickel and diming me to death in fees while simultaneously paying their CEO some obscene SALARY ( not even including bonuses ) even though they received a bailout. And this was before I found out that they were part of the reason XXXX was able to do what he did for so long. And yet as much as I hate them, I still have credit card accounts with them because they're so XXXX huge I can't get away from them completely. The main reason I'm having to deal with them now is because my deceased brother had his checking account with them and I've been trying to close it out forever but they are making it nearly impossible. They are rude, condescending and unhelpful. I hate this bank. I wish the feds would just shut them down.
Company Response:
State: LA
Zip: 70403
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Other transaction problem
Subissue:
Consumer Complaint: We began using WePay by Chase as our online processing company through authorize.net on XX/XX/XXXX. We had XXXX {$22.00} chargeback in XXXX of XXXX because a customer didn't recognize the charge name on their statement, which they later came in and paid. WePay by Chase has processed roughly {$78000.00} through their services. On XX/XX/XXXX we received an email stating that we were deemed high risk and they would no longer be processing payments through our site, however, they collected payments from XX/XX/XXXX up through XX/XX/XXXX, the date that they notified us that we were high risk, and we, not knowing that they were going to do this, released the merchandise to the customer. Upon contacting WePay, they state that they will release the funds after 120 days. We are not a major corporation that can just give out 10 days worth of merchandise and get paid for it in 4 months.
Company Response:
State: OH
Zip: 445XX
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Managing an account
Subissue: Problem with renewal
Consumer Complaint: Dear CFPB : I opened a Chase 3 months CD and signed up for the auto-renew option. However, when I try to cancel the auto-renew, their website doesn't have the option. So I went to a Chase branch to stop the auto-renew. However, I was told by the Chase banker that there is no option of stopping the auto-renew of the CD. I can only wait until the CD is matured, then I can call them or come to the branch to cancel the next CD that is renewed. I believe it is the consumer 's right to stop renewing the CD. Chase does not have to right to force me to renew it and then I go to their branch to cancel it. It is a violation of the consumer 's rights. Please help to stop these illegal proctices. Thanks! XXXX XXXX
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/XXXX I used the link provided by Chase to apply for their Marriott XXXX XXXX credit card in order to earn the XXXX points they are contractually obligated to provide to me via their promotional offer. I completed my contractual obligations by charging {$2000.00} to the card within a 3 month period ( in fact I did so within 3 weeks or so ). It is XX/XX/XXXX and still no bonus program points. After numerous phone calls to both XXXX and Chase..Chase who is accountable for assigning said points indicated that my XXXX XXXX card was not eligible for the points they advertised with the card, no explanation as to why And they are running the Exact Same rewards program for that card Now! I simply and rightfully want Chase to complete their contractual obligations to me as I have with them and award my XXXX XXXX account the XXXX points I have earned.
Company Response:
State: NC
Zip: 285XX
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXX, I was contacted by Chase Credit card services to set up a settlement. I offered the amount I could afford to pay them, and they accepted this monthly payment with a reduced balance. They are now saying there was never a settlement, and they are now saying I owe the balance in full. I requested the call recording with their agent be reviewed, and it denied my claim. however in order to listen to the call, I would need to subpeona their call records through a lawyer. I am unable to afford a lawyer, and I feel this bait and swith process should not be allowed.
Company Response:
State: WI
Zip: 53225
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Other transaction problem
Subissue:
Consumer Complaint: My IRS refund was sent to a wrong Chase account by a software error on XXXX XXXX. This Chase account is 17 digits long, and I have been told by Chase customer service representatives and by my local bank manager that this account is not owned by anyone. The refund of XXXX XXXX XXXX dollars was sent and deposited into this account on XX/XX/XXXX. On XX/XX/XXXX I called the IRS to find my refund and discovered it was sent to the wrong Chase account and that it was deposited and accepted on XX/XX/XXXX. on XX/XX/XXXX I spoke with five different customer service representatives attempting to resolve this but did not make any progress. The following day I went to my local branch and spoke with a bank manager who field a claim for the deposit to be sent to my real account. On XX/XX/XXXX I received a letter fromChase denying my claim. I again went to my local branch on XX/XX/XXXX and spoke with the bank manager again to resolve this, which they now said it has to be corrected by XXXX. Chase, the IRS, and XXXX have all repeatedly said that they can not fix this issue and to contact the other parties involved. I have been on the phone with all the three institutions for the last two weeks attempting to fix this without any success. The IRS has repeatedly stated that the only way to receive my refund is to have Chase bank return the deposit to the IRS, or have Chase do an ACH transfer to my actual Chase account. Chase has refused to do this, and has given up trying to help me resolve this.
Company Response:
State: IN
Zip: 46307
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A