Date Received: 2023-03-09
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: My closing was delayed due to Chases mortgage team not seeking the correct insurance information until the day of the scheduled closing. I immediately provided the information, but Chase was unable to process the information fast enough and had to delay my closing. I was told that the department responsible for processing the information was too busy to process the information in time. Nevertheless, Chase refused payment under its Chase Closing Guarantee. They tried to blame my realtor, who had no involvement in the issue. Their claimed guarantee is misleading.
Company Response:
State: IL
Zip: 60630
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/XXXX I made an on-line payment from my Chase checking account to my credit union for my mortgage payment of {$1100.00}. I had been making my payment this way for close to 10 years without incident. Chase would mail a check to the credit union for the payment. I was notified by my credit union that they had not received the payment, so on XX/XX/XXXX I paid the credit union the {$1100.00} from a different account. I asked the credit union to track what had happened, and they said they had not received any payment. I then contacted Chase to let them know of the problem. I sent a picture of the check to the credit union and when the cancelled check was viewed, there was no bank stamp on the back of the check, and the signature was unreadable. The credit union verified that it was not cashed by them, because their bank stamp was not on it. I then contacted Chases customer service and reported the problem. They returned my {$1100.00} to my account and said they would check on it. On XX/XX/XXXX, XXXX days before XXXX they took the money out of my account again with no notice or explanation to me. I contacted Chase again repeatedly after that, put in a claim, and had a loan officer from one of the branches help me to contact Chase to follow up. Chase had claimed they closed the claim because they had sent me paperwork to fill out, but they never received it. The reason I didn't fill it out is they had never sent it. They never mailed or e-mailed it to me. The loan officer at the Chase branch helped me file the claim again and send in the affidavit correctly, it took him several attempts as Chase kept giving him incorrect information and forms. I was able to get a claim filed after much time and many hours of conversations with customer service personnel. They finally realized that it seemed to be an issue of fraud. Apparently the check did not get sent to the credit union, someone fraudulently took the check, and went to another non-Chase bank and had it cashed. Chase said they had to contact the bank that cashed the check to see if they would reimburse Chase, and that it would take 90 days. I received monthly letters saying they were still waiting to hear back form the other bank. I continue to receive letters saying they have followed up, haven't heard and that the claim will be closed and my funds will not be recovered. After almost a year and a half, I contacted Chase again today, XX/XX/XXXX to see if anything else could be done and if not, I would be filing a formal complaint outside of Chase. They said there was nothing they could do except keep trying to contact the other bank. As of XX/XX/XXXX I still have not received reimbursement for the {$1100.00} that Chase lost in XXXX of XXXX during a routine on-line payment through no fault of my own.
Company Response:
State: WA
Zip: 98115
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Account Number XXXX Account Number XXXX JXXXX XXXX {$100000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$10000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Company Response:
State: NY
Zip: 11570
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In the year of 2021 my account was closed for suspicion of fraud simply because I funded a new account. I am just finding out about the CFPB and I am requesting an investigation into this matter. I want my money back.
Company Response:
State: TN
Zip: 38118
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXXXXXX XXXX XXXX {$1500.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$660.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$350000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$100000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$10000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Company Response:
State: NY
Zip: 11570
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.
Company Response:
State: TX
Zip: 76001
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The city paid my lawyer, and my lawyer issued me a {$13000.00} check on a XXXX XXXX Chase Bank account. I presented this check to Chase Bank, 4 Chase Metro Tech Center, XXXX, XXXX on XXXX XX/XX/2023. The teller refused to cash the check citing the " account owner has a restriction '' that doesn't allow for anything over {$2500.00} to be cashed. I called my lawyer on the spot and he said, yeah, that's XXXX, he has no restrictions and in fact, has had many clients cash much larger amounts from this exact same account. I asked to speak with the bank manager who again refused to cash the check drawn on his bank. He suggested I " go to a check cashing business to cash the check '' and warned of the roughly {$1300.00} fee I'd have to pay as a lead up to selling me a bank account at Chase by way of pressuring me with a huge financial loss if I didn't buy a Chase Bank account. Which begs the obvious question : would Chase then refuse to honor their own check when Pay Day Loan and Check Cashing presented it to them as they are now refusing me? How does THAT work? As a XXXX veteran who is not that far removed from homelessness, I feel totally abused, almost like being violated. I went three blocks down the street and tried again at a different Chase, thinking it was just a fluke ; a one-off weirdo predatory manager, but it's Chase as an institution that is predatory. I was forced to open an account with Chase, including mandatory overdraft protection ( {$40.00} fee per overdraft ) before Chase would grant me access to my money drawn on their bank. This second Chase ( XXXX XXXX XXXX XXXX Bank 's manager was much more civil and wanting to help, but the best he could do was for me to ask my lawyer to re-issue me multiple checks of {$2500.00} or less, and that he could cash them with a {$10.00} service fee per check. Nice. And while paying {$60.00} to Chase for Chase to cash a Chase check from a Chase account is better than {$1300.00} fee elsewhere, it feels dirty and illegal, like extortion.
Company Response:
State: NY
Zip: 11225
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: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I made a purchase with XXXX XXXX on XX/XX/2022. I made a purchase totaling {$250.00} and ended up keeping one item and returning the rest. A few weeks later, I noticed that the returned items had been delivered back to the store, but I didn't receive any emails about a refund. I attempted to contact them but was unsuccessful, so I filed a dispute via Chase. I should mention, I made a mistake when filing the dispute and putting {$250.00} instead of substituting the amount for the one item I kept, which may be causing the confusion. On XX/XX/2022, I received an email from XXXX saying that my refund had been sent, so I called to cancel the dispute. However, after a few weeks, the refund wasn't reflected on my account. I reached out to XXXX several times through calls and emails, but they informed me that once a dispute has been opened against an order, they can no longer take any action. They instructed me to contact you in order to receive the refunded amount. I need to reopen the dispute and get {$180.00} refunded by XXXX. I have opened a total of three disputes with Chase thus far. The last time, I was instructed to submit a letter to reopen the case, which I did. I provided evidence in the form of screen shots of emails I received from Chase, explained the entire situation, and faxed it to them. Unfortunately, once a dispute is closed, I am no longer able to file a claim online. The second time I opened a dispute, they simply closed it without requesting any additional evidence or documentation to support my case. For my most recent dispute, I called two days after faxing my letter, and was informed that it would take up to two billing cycles to resolve. I waited patiently and called them after a month to get an update, only to be told that they had closed the case after only five days. I do not believe that this is sufficient time for a thorough investigation, yet they decided to close the claim. At this point, I am extremely frustrated with both XXXX and Chase. I have been charged a bill that I should not be responsible for, and neither company seems willing to assist me with resolving this issue.
Company Response:
State: CA
Zip: 92782
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hello I unfortunately had my house flooded From a broken pipe I ended up getting a check from the insurance company for repairs I took it into the branch XXXX XXXX XXXX Before depositing it to make sure whoever had to endorse it did. The banker looked at it and asked his manager and they said its good. As to which I told him to deposit it The following day I get a call from chase telling me my account is being closed & they are holding my money hostage for reason that makes zero cents whats so ever. If they didnt like the check they shouldve told me in the branch or atleast send the funds back to me or to the maker instead they are holding it back from me and I cant even finish my house. Please help me
Company Response:
State: NJ
Zip: 08755
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: On XX/XX/2022 there was a wire transfer of {$20000.00}. And, then followed by another on XX/XX/XXXX in the amount of {$30000.00}. Both of these wire transfers were made with out my authorization. When I found out ( 2 days after the second transfer ), I called Chase to report. They told me to file an affidavit and a police report. It took months before they finally accept the affidavit and the police report. However, they never contact me after that. I always have to call to check on the dispute ( at least 10 times ). On XXXX, they told me it was approved but I have to wait at least 10 business days for them to put the money back to my account, but they never did. I called them back. A lady answered the phone and she said it was denied. I was in shock. That lady told me whoever said that the money was approved, was wrong. Then she asked me some questions such as what kind of a phone do I have? Have I been in XXXX XXXX? Do I always have the phone with me?. I truthfully answered all her questions. She told me they will work on the dispute again. A week later, I called again they told me to give them 10 more days. Today XX/XX/XXXX, I called Chase, a man told me they have made the final decision, my dispute was denied. According to them, I use my phone to accept the transfers. I never did that.
Company Response:
State: TX
Zip: 77041
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A