Date Received: 2023-03-10
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I personally went to a Chase branch in XXXX, XXXX to open both a checking and savings account. I was treated wonderfully. I wrote out a check for both accounts to get them started. The checks cleared from my bank in 2 days. I went to the Chase account on line and was unable to open the account. I called and was told the account was closed and I would never be able to open an account with Chase in the future. I went back to the branch and talked with the officer who opened my account. She was surprised and called Chase. She was told the same. She asked why, as did I. We were both told they could not disclose why. The money I deposited would be returned in 10-15 days. I feel like a criminal! I have a very good credit score. I am concerned there is some faulty information about me. However, I am being kept from an explanation. I need help. Thank you.
Company Response:
State: VT
Zip: 054XX
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Signed up online for a checking/savings account with {$600.00} bonus. I tried to fund the account with an external bank transfer within the chase app, but that was denied by chase fraud department, they claimed that they are having a system issue and external transfers are not working properly. They said I could either go into a branch or fund via a deposit check online. I deposited 2 checks ( {$7500.00} each ) total of {$15000.00} for the savings and the checking account. The checks cleared my bank last month XX/XX/23, however Chase put the funds on hold until XX/XX/23. I logged in after this and found my accounts had disappeared. They now state they are keeping the funds indefinitely and have refuse to return them to my external bank ( citizens ), send me a check to the address on file, or apply to my account. My only option is to go into the bank ( not local ) and prove my identity before releasing funds. Numerous calls have resulted in the same answer that Chase will hold my money hostage until I go into one of their branches and plead my case for it's return. The external bank I originally created a transfer from and the account that these 2 checks cleared has been used to pay multiple CHASE credit cards for years. They have withdrawn automatic credit card payments from this bank probably 100 times. the fact that this bank can solicit me to open an account with a {$600.00} bonus and then flag my deposits and hold unto them indefinitely until I go into a branch that is not local and prove myself to them. They have called me several times since then and verified my identity, as they discussed this matter, which they claim is a that the " back office '' flagged the transactions and they are going to keep them until I prove they are mine.
Company Response:
State: FL
Zip: 32034
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX I deposited a check in the amount of {$1600.00}. A hold was placed on the check until it was released from the issuing bank. After the issuing bank released the funds than Chase Bank comes up with another reason to hold my cash. Due to " suspicious activity '' they said they will not release my funds at all. Federal laws I thought protected consumers from things like this.
Company Response:
State: FL
Zip: 32312
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, this creditor, has violated my rights. 15 USC 1681 Section 602 : States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency Connot furnish an account without my written consent. 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Company Response:
State: CA
Zip: 92040
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Starting around XX/XX/22 my husband XXXX XXXX XXXX was draining our marital money out of 7 joint chase bank accounts. By the time he filed for divorce the accounts were XXXX balances, and negative balances, he recently opened a new account under our eldest and his name. Had drained XXXX into his own separate accounts at another bank : XXXX, XXXX XXXX XXXX and others. Wire transfers to his father of almost XXXX. He forged my inheritance account checks totaling XXXX. I have called chase bank and spoke with a private banker several times and nobody is helping me. I live in fear everyday as a single mother or XXXX boys while is a physician making XXXX a year. This is financial abuse and want charges made
Company Response:
State: IN
Zip: 46385
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: JPMCB Card services shows up on credit report as a hard inquiry on XX/XX/XXXX. I did not authorize or apply for a card or a loan from them. I tried calling XXXX on XX/XX/XXXX. I could not get through to alive person to speak to since I don't even have an account with them to resolve it.
Company Response:
State: OH
Zip: 448XX
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Checked on line to make a payment on my Chase cards only yo find out they decreased my line on the one by over {$4000.00} and the other by {$2000.00}, Chase Freedom and XXXX respectively. Did NOT get ANY type of notice whatsoever. Contacted Chase, they stated I have too much credit usage, my credit cards are paid off except for two which I had to use because my wallet got stolen along with my checkbook and debit card so I had to use my credit cards til things got straightened out. I plan on paying those cards off. They also commented about what I have going out, they have NO IDEA what my income is. I have NO problems paying bills. I'm a travel nurse and they would be surprised what I make. They violated the Truth in Lending Act and I demand they restore my credit lines to what they were. Not only that, my credit report us locked. How did they get my info without my permission????
Company Response:
State: PA
Zip: 157XX
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I bought a piece of art from an artists booth at the XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX, for {$290.00}. The XXXX is the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I paid with a debit card at the seller 's insistence ( " we only take debit cards or cash '' ), and then they told me they had to mail the piece to me because they only had one copy at the booth and needed it for display. They said it would arrive in 2-3 weeks. They gave me a hand written receipt ( attached ). The charge showed up on my card on XXXX XXXX XXXX for {$320.00} from " XXXX XXXX XXXX XXXX XXXX XXXX CA XX/XX/XXXX ''. After a month ( XX/XX/XXXX ), I tried contacting them using the contacts on the business card they gave me at the time of purchase, but the email they provided ( XXXX ) did not work. I had to dig online for a working email address and found XXXX. They responded saying it would be done at the end of the week ( attached ). I waited but still did not receive anything and didn't hear from them, so I opened a claim with Chase bank ( my checking account and debit card are with them ). I was temporarily provided with a credit for a full refund on XX/XX/XXXX ( Claim ID : XXXX ). On XX/XX/XXXX, Chase reversed the claim and recharged me for {$320.00}. I called Chase and they said it was reversed because I needed to provide documentation for proof. They didn't give me an option to attach documentation in their online claim form when I originally filed, nor at any point before reversing the refund did they inform me that I needed to provide documentation proof. Chase told me on the phone that I needed to get a " credit voucher '' or a " voided transaction slip '' from the seller, so I emailed XXXX XXXX again asking for that. I never received a response to this email. I faxed all the email correspondence and a picture of the written receipt to Chase ( same Ive attached here ). I called Chase several times after that asking for updates and didn't get any information, until they finally told me my claim was closed again. The Chase representative I spoke to on XX/XX/XXXX said the seller provided them with a tracking number that proved the item had been shipped and arrived at my address and was showing as delivered by the company ( I think they stated it was XXXX ; this conversation was recorded if you want to check ). I asked for the tracking number the seller showed them, so I could look it up myself, because the seller never shared it with me or indicated to me in any way that they had shipped the item. Chase told me they could only mail me the documentation and that it would take a week, but I insisted they share it with me at that moment because I needed to know if a package had been stolen so I could file a police report. The Chase representative connected me with a manager. The Chase manager then told me that they had never actually received any tracking information from the seller, even though the other representative had just insisted that they had. Since he could give no other reason that the claim was closed, he said he would reopen it. Meanwhile, I tried messaging the seller on XXXX but they never responded XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I received a letter in my online Chase account saying the Claim was closed again ( attached ). I then received an email from an email address I had never corresponded with before ( XXXX ), apologizing for the inconvenience with XXXX XXXX and offering me a 50 % discount on my next order. I asked them to elaborate but have not received a response ( attached ). Today XX/XX/XXXX I called Chase again, and the representative told me the seller provided proof that the sale was valid by proving that my cards chip was scanned in person. They said because of that, Chase has no more recourse to reverse the charge and that theres nothing else they can do. I think its very obvious the seller stole from me, because they never provided proof of delivery and have not kept in contact with me since taking my money 7 months ago. I also think that Chase is not acting in good faith by telling me my claim was denied for different, seemingly arbitrary and totally made up reasons every time I call.
Company Response:
State: CA
Zip: 94115
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: This is to bring to your attention the fact that I have a Chase Sapphire Preferred card with the following information : Name on Card : XXXX XXXX, Card No. : XXXX, XXXX XXXX : XXXXWithin a few weeks of issuing the card, my card was discontinued or canceled by the Chase bank without providing me with any valid reason. Meanwhile, using the same card, I did purchase an international flight ticket with XXXX XXXX. - Amount Charged : INR XXXX, Date of purchase- XXXX XX/XX/2021. But due to the pandemic, the flight got canceled, and the airline issued a refund on the same card, i.e., the one mentioned above. Ref : Email from XXXX XXXX I tried to reach CHASE, but they were unable to pull my account from the system or were ready to help. I tried to fax them but received no reply to my complains, call them, and reach XXXX XXXX, but all efforts failed. With no options left and after fighting for over a year, I am reaching out to the agency to kindly assist me. I am attaching 1. Email from XXXX XXXX : Confirming the refund 2. Image of my credit card 3. Itinerary showing the card used for purchase. looking forward to prompting action. I am unable to provide exact transaction details as I dont have access to this card account. Kindly let me know if you need any additional Information. Regards, XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, my husband deposited 2 large checks that were a result of a lawsuit to our joint bank account. PRIOR TO DEPOSITING these 2 checks, we contacted Chase via phone to inquire whether these two checks -- that had multiple payees -- could be deposited into our account without ANY ISSUES. We were informed on THREE separate occasions that it WOULD NOT be an issue. The checks could be deposited and would be placed on hold until all funds were released. My husband even took a copy of the check to the bank/branch and spoke with XXXX XXXX XXXX who assured him that as long as we were the last persons to sign the check that it would not be an issue. Unfortunately, the information provided by THREE different people who work at Chase was INCORRECT. CHASE has NOW PLACED A HOLD on our account which include not only the amount of the checks but the money that we already had in our account. WE ARE UNABLE TO ACCESS ANY OF OUR FUNDS! In addition, Chase has also ROPED IN my children 's accounts THAT HAVE NOTHING TO DO WITH THIS SITUATION and have placed a hold on their accounts as well, simply because they're linked to an account that I hold THAT HAS NOTHING TO DO WITH THE ACCOUNT the checks were deposited into. Chase NEVER reached out to us to inform us that there was an issue with our account. We found out because we were unable to process a XXXX payment and could not pay our bills. We contacted Chase via phone only to be patched to the Fraud Department where we were informed by XXXX XXXX that if we failed to provide the requested information that they would close our account in 10 days. So instead of trying to fix the problem, SHE THREATENED to close our account all the while holding OUR MONEY HOSTAGE. We immediately went back to the branch and spoke with XXXX XXXX XXXX who attempted to get additional information but was basically given the same info we were given. He could not help us nor could he provide us access to our money. He informed us that he could escalate the issue -- and that's basically it. WE HAVE BEEN LEFT WITH NO MONEY and OUR KIDS MONIES HAVE BEEN RESTRICTED AS WELL. Chase FAILED to provide us with ACCURATE information robbing us of making an informed decision -- because had we known that our account would be restricted we would NOT have deposited the checks. The checks are from a legitimate lawsuit and the payees are family members who were all part of the lawsuit.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A