Date Received: 2023-03-08
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Simply put, among many issues ( some of which are reported here ), one of my loans was closed without my content. I had asked for a full refund AND to close the loan. The statement was clearly bound by the 'and ' yet without clarification or another word closed the mortgage. I then had no recourse to collect my money back or continue with the mortgage. They should either refund the full application fee or reopen the mortgage application as my intent was not to close it without the refund, hence the and statement. Thank you for understanding. Loan Number : XXXX Complaint against : XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Chase | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX | Office : XXXX | XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX | XXXX | Office : XXXX If the chase team wants to reach me can call me on my recorded line or leave me a VM. After many unethical actions by this chase executive office team, i am no longer able to take their calls on non-recorded lines. When they get my VM, they state they are still researching yet when called back from a non-recorded line they miraculaly make up facts and close the case at their convenience. XXXX XXXX
Company Response:
State: FL
Zip: 33607
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I just recently moved from living in XXXX XXXX for 10 years. While there myself and my wife had local bank accounts in XXXX. I moved back to the states sooner than the wife and while I was in the states and she was in XXXX we needed to wire transfer some of our money from XXXX to the states. Since I retired after XXXX yrs XXXX XXXX and then maintained working for the XXXX XXXX the only bank accounts I had at the time were XXXX and XXXX XXXX XXXX XXXX. Neither of those 2 banks are part of what is called the " swift '' network ( easiest way to wire transfer internationally ). So I needed to find another bank so we could transfer money from our XXXX bank accounts to our US bank accounts easily. I did some research and saw that Chase was a part of swift. So I went onto their website to see if/what account options they had. I looked at their 3 most common ( and the 3 they recommended to me ). Looking at the key differences they pointed out and the various fees they charges. ( see screenshot ). This was around XX/XX/2023. I then selected the account with the lowest fees since it would not be my primary banking institution. On the website when I used their comparison tool there was no mention about accounts that could NOT receive wire transfers. After opening the account I then logged into my newly created account to get the information that my wife would need to wire our funds from XXXX to the US. While logged into my account I searched for the account number, routing numbers, and also swift number. Keep in mind I am logged into MY account. I was able to locate all of the information needed. Even saw a note that said, if you are using the routing number for wire transfers use this number, NO separate notes saying only certain accounts can RECEIVE wire transfers ... ... .... Then while still logged into my account, I was able to find the SWIFT code needed. Even there, NO separate notes saying only certain accounts can RECEIVE wire transfers. So I shared the information with the wife. After about a week of waiting I called the customer service number and inquired about how much longer it would take until I saw my funds. She tried to tell me there was an error and the funds were returned. She was very uncertain of what she was saying and just made it more confusing. So the wife and I ( she just arrived ) decided to just go to a local branch and ask someone in person. Once we were finally able to talk to someone, that is when the gentleman said that my account ( and only my type of account ) was unable to receive international wire transfers. I said this is the first I am hearing about this. I then explained to him what I did, what chase.com showed me, how I was able to get the account number, routing number ( different one for wires ) and the swift number. and NOTHING while logged into my newly created account had a note of any kind saying, some accounts can not receive ... etc etc etc etc. He offered me no kind of assistance or way to fix this, just tried to talk me into opening up an account that had a higher monthly fee. I explained to him that because of their website being misleading that I was due to lose hundreds of dollars from transaction fees going in 2 directions and also conversion fees/ rates. As of writing this the wife and I are STILL waiting for the money to be returned from the middle man back into our Korean bank account. I tried to wait to see just how much we were going to lose but they say it could take 30-60 days.
Company Response:
State: CO
Zip: 80922
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was looking into starting a transport business and leasing on to someones authority and ran across a guy who said he could help me out. Called the fmsca to get details and help to point me into the right direction on how to do things the right way. I was told that it was between me and the business to make a agreement on how to lease on. The guy ( XXXX XXXX ) as known on XXXX said to send him a payment of XXXX for a deposit for insurance witch was made on XX/XX/XXXX and another XXXX on XX/XX/XXXX to get the XXXX relay permits for hauling for them. He said that XXXX XXXX would do fine with sending the payment. Turns out after I sent the second payment I happen to do a quick XXXX search of his name and all kinds of bad news pops up with him scamming everyone the same way. I quickly call chase and let them know what happened exactly how Im explaining it now and said I have all documentation to support this incident on XX/XX/XXXX. I was told my account would be credited in 12 hours. Yesterday XX/XX/XXXX I received an email saying they denied the dispute. I called chase today XX/XX/XXXX and was told their is nothing that can be done because peer to peer payments isnt covered by regulation E and it was law not just chase. When other people recently who got scammed by the same guy under posts said they got they money back via their bank. I never disputed anything and now that the one time I get scammed they tell me there is nothing they can do it about it. Ive banked with them for years. Im very upset. I also reached out to XXXX XXXX because thats what chase told me to do and they arent giving any money back either and I do not expect because that money came directly from my account. Even spoke with a supervisor, same answer. This is why people dont trust banks. And to top that they didnt even dispute both payments only one for XXXX
Company Response:
State: OH
Zip: 43206
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: Money was not available when promised
Subissue:
Consumer Complaint: Dear CFPB officer, I recently made a wire transfer from my Chase business account to a 3rd party using an account at XXXX The {$2000.00} that I wired has been missing although it was sent more than a week ago. I tried to ask Chase if they can help and all they are telling me is that they have made the wire transfer. I also tried to withdraw the wire and I received no response from Chase. The 3rd party that I sent the money contacted XXXX customer service and they keep saying that they can not locate the funds. The money has practically evaporated within the United States.
Company Response:
State: NJ
Zip: 07024
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: Funds not handled or disbursed as instructed
Consumer Complaint: XXXX XXXX wrote a check to me for {$1000.00} from XXXX XXXX. I deposited it to my account at Chase. XXXX forgot she had written it and turned it in as fraudulent. She then remembered and instructed her bank that it was good. Chase restricted my account anyway and it took a complaint to CFPB to get it unrestricted. Chase said it would not give me the {$1000.00} and to go back to the maker of the check. The funds were not returned to XXXX 's account. I would like to know where the money is.
Company Response:
State: WA
Zip: 983XX
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: Chase has exceeded the dispute timeframe for fraudulent activity. Check # XXXX for a total of {$55000.00} was fraudulently deposited into a XXXX XXXX ATM. XXXX XXXX held the check and placed a stop payment on it. I opened claim # XXXX on XX/XX/22. I have made numerous attempts to resolve this with Chase. I have filed XXXX claims with XXXX Bank, and they informed me they sent payment on XX/XX/22. Chase confirmed that the address provided was indeed to the fraud claims department, but they did not receive payment. Chase also claims they have had no response from XXXX XXXX despite XXXX XXXX documenting Chase provided information to them to process return payment and XXXX XXXX has been very responsive in correspondence with me. Chase owes me {$55000.00} after releasing the funds to XXXX XXXX when the check never cleared.
Company Response:
State: NY
Zip: 11201
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : states that a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for credit purposes. My credit report on XXXX XXXX and XXXX are showing that I owe {$510000.00} in XXXX loans. However, My loans have been forgiven and I received a letter informing me of my loan forgiveness back in XXXX of this year.
Company Response:
State: GA
Zip: 30253
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: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states consumer furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card pen-end consumer credit plan as late for any purpose.
Company Response:
State: TX
Zip: 75150
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Tried to dispute the {$200.00} charge fee from XX/XX/2023. See attached
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: i was prevented from being in usa and forced to maintain a hosting account relation with XXXX in XXXX and no income as well. i did not get settlement in XXXX relation
Company Response:
State: CA
Zip: 940XX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A