Date Received: 2023-03-07
Issue: Money was not available when promised
Subissue:
Consumer Complaint: In XXXX XXXX I received an email from XXXX ( XXXX ) indicating that I needed to move from an individual account to a brokerage account due to VG changing platforms and there was a fee to stay on the old one. I called and moved my account. I was told that I had to de-activate both my check writing and direct deposit ( DD ) but if I called back in a couple days after the transfer was finished processing they would re-activate both the DD and the check writing over the phone. I called back a few days later. I was told that instead of having XXXX re-activate my DD that I had to set it up again with my employer. I was also told how to go online to update the check writing and theyd update it on their end too. I was given the information for my direct deposit to provide to my employer ( XXXX ). ( It turns out it was the wrong information ). I re-set up my DD with my employer using the information provided by XXXX and my next paycheck that was sent from XXXX had to be manually routed as a courtesy due to the incorrect DD information on it. Note : My paycheck gets sent from XXXX to XXXX XXXX ( XXXX ) to JP Morgan ( JPM ) to XXXX. I called XXXX again. I was then provided with the correct DD information and I worked with my employer to fix my DD information on their end. In the meantime, another paycheck ( my XX/XX/XXXX pay ) was sent with the wrong DD information. This one was then clawed back and resent via wire on XX/XX/XXXX. However, it still had the wrong DD information on it and is currently nowhere to be found. XXXX has the trace number for it being sent to JPM. XXXX has asked XXXX to claw it back from JPM again. JPM has not responded. I've spoken with numerous people at XXXX and they've confirmed with the Money Movement Team that they never received the money from JPM. Since I don't actually have an account with JPM they won't provide me with any information and said we should just ask XXXX to ask XXXX to send a service message to JPM to have the money returned. My company has done this and XXXX has not received any response from JPM.
Company Response:
State: PA
Zip: 19087
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a new checking account with Chase because of the new customer bonus promotion. On XX/XX/XXXX, I was issued a payroll check from my employer which was my first transaction on the account. I deposited this check via the mobile app. A 10-business day hold was placed since it was a new account. On the 10th day, I contacted them because it was still not released to my account. They then told me the account was restricted due to being unable to verify the phone number associated with the maker of the check on XX/XX/XXXX. I reached out to my payroll manager and called back with a list of possible matching phone numbers, but none were listed in the XXXX system. My account manager confirmed with me there were no other possible numbers, but that Chase had cleared the check and XXXX could not issue a stop for that check. On XXXX, I tried a 3-way call with my treasurer and Chase Fraud department , but no numbers matched. All phone numbers within my employer were accurate. On XXXX, they told me to bring verification documents to a local branch to scan in and request a release of the account hold. I did this on XXXX and was told to call back in 24hrs for it to reflect. I called back on XXXX and was told the documents ( pay stub, check, verification letter from employer, XXXX, and work ID badge ) were not accepted. I informed them the system did not have a correct number on file and there was no way to match it. Working with the branch manager and fraud department, they have said they will hold the funds indefinitely until a matching number can be found and will not issue them to me or void the transaction, despite not being able to match their incorrect number and providing numerous supporting documents.
Company Response:
State: OH
Zip: 453XX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Received two ( 2 ) letters from Chase Card Services regarding applications for two ( 2 ) Business Credit Cards for two ( 2 ) of my businesses. I DID NOT apply for these Credit Cards. Called Chase and they cancelled the applications and said I may have been a victim of Identity Theft.
Company Response:
State: FL
Zip: 33991
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Received a XXXX XXXX card with a XXXX credit line. I did not apply for this card. I called Chase and closed the card and reported it was fraud with the Credit card company. I also did a credit lock at XXXX.
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I was charged 2 service fees of {$24.00} in total, the representative named XXXX from customer service only refunded one fee and refused to refund the second fee. At XXXX XXXX we agreed I needed to speak with a manager, she pretended to transfer me but instead she has me on a silent hold. At XXXX XXXX I am still currently on a silent hold as I type this, so this has gone on for over an hour. This employee has extremely horrible customer service skills no regard for customer satisfaction. She was not able to help me and does not want her supervisor to assist me.
Company Response:
State: NY
Zip: 10467
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: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On my XX/XX/XXXX credit card statement for my Chase Sapphire Reserve card, I noticed that the promotional offer I'd taken advantage of under the My Chase Plan appeared to have a much smaller balance than expected and the balance I was being asked to pay as my interest saving balance was much higher than expected. The My Chase Plan was supposed to be in the amount of {$3500.00} but because merchant credits totaling {$2800.00} had been applied to my account along with the required interest saving balance payment of {$8300.00}, Chase applied the merchant credits to the My Chase Plan instead of the purchases that were applied to my account from the merchants. This resulted in my having to pay almost {$3000.00} more than the purchases that actually took place for the billing cycle. While I understand that overpayment of the interest savings balance will be applied to the lowest APR first, in line with the CardAct of 2009, the credits in this case were not payments and should have been applied against the merchants that originally billed me. If I do not pay the extra almost {$3000.00} that the bill shows, I will be charged for interest. I have been keeping my agreement to pay for the My Chase Plan as outlined when I agreed to it and feel that this is misapplication of payments which I want corrected.
Company Response:
State: FL
Zip: 32725
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 using a debit or ATM card
Consumer Complaint: On XX/XX/23 after logging on to my online banking i discovered my checking account with my son was compromised. There were several fraudulent activity. Two atm withdrawals totalling {$1000.00} and two debit card purchases for {$1100.00} and {$2200.00} at XXXX XXXX XXXX XXXX XXXX XXXX. I contacted chase via phone immediately at XXXX where after several transfers i spoke with a rep in their fraud claim department. The claims were filed. The compromised account was restricted and a new account opened. However, rather than keeping the new account totally separate from compromised account, Chase actually transferred all the compromised account information and activity to new account. Why? What was the purpose of opening a new account? 10 days later, today, i found out chase denied my fraud claim. Stating because transactions were done via pin it had to be me or my son! What proof or information can they provide to support their assumptions? Now the supposedly new account has a negative balance of over {$3000.00} which can not be paid by us because A. This was fraudulent activity and B. We just dont have the money. I am in desperate need of assistance to get this matter resolved swiftly and correctly. Chase has handled this claim very poorly. I am a victim who is being victimized further by chase.
Company Response:
State: FL
Zip: 33023
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: Closing an account
Subissue: Company closed your account
Consumer Complaint: My bank closed a business account due to a fraud alert caused by identity theft. I need to pay the bank if I owe any costs and be able to open a new account, thanks.
Company Response:
State: FL
Zip: 33837
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: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Someone hacked my login while I was traveling I deposited a large check when I got back I found an account closed and a fraud alert I was never able to use my bank account while I was in my home country
Company Response:
State: FL
Zip: 33837
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was on a university XXXX group trying to find housing for next school year on Monday, XX/XX/XXXX at XXXX. I contacted the girl on her post, and she sent me a video for the tour of the apartment along with an address. They asked me for my ID, and I thought it was to confirm if I was a real person. She advised me to pay for the apartment first to save my spot because we have a housing crisis. So, I got in contact with her manager, and he told me to pay {$1100.00} through XXXX. I am new to XXXX, and I only did what I was told. When I made the first payment, they asked for another. So, I was suspicious and investigated her further to find out that she sent the same post to different campuses, so it was a scam. I asked for a refund because I did not yet sign my lease, so I should be able to get my security deposit back. They refused even further, arguing that it was in our contract, but they did not present me this contract at all during the conversation. This is when I found out that I actually got scammed. I have tried contacting XXXX, but because I authorized the payment, they will not allow a refund. Chase told me that because I processed the money using XXXX and that the transfer was already completed, they could not do anything. I have filed a police report to my local county police but have not yet received a response.
Company Response:
State: CA
Zip: 91770
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A