Date Received: 2023-02-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was encouraged to open an account in XXXX in order to cash a payroll check from my employer who uses Chase. My previous check from the same employer resulted in harassment by XXXX branch staff, who refused to cash it, even after making me get the check reissued- ( the employer had to come to the branch and just simply withdraw cash to resolve the impass ). I told the account-opening banker that I was surprised when the check wasnt made available in my new account, and asked him to call issuer, since he was standing-by for verification call, but took his insistence it would be made available the next day. Three days later ( XXXX? ) I was inconvenienced to learn that my travel plans would be impacted by the unavailability of the payroll funds, which seemed like an arbitrary decision by Chase, since my employer & i were now both using Chase. ( Chase has done this to me about 4 yeats in the past, with a two-week hold on a verified check. ) Supervisor was unavailable at that branch, so i went to the next closest, XXXX XXXX, and demanded to file complaint with Supervisor. Despite not yelling or using profanity, the banker, XXXX XXXX, seemed offended by me, so i explained why my frustration is high, given the prior context of Chases seemingly arbitrary methodology of withholding clearly-available funds, and stalling transaction holds that are not experienced by the subject at large, & that i visited that branch bc the other lacked a supervisor to document my complaint ; Chase, which enjoys unquestioned uncompetitive market-share in XXXX, seeks to force consumers to accept an opaque and arbitrary policy on transaction holds, since XXXX XXXX provided me with a printed policy that was incorrect for my complaint ( XXXX supplied document is in my records & available upon request ), I assume Chase is not prepared to be transparent in how it conducts business capriciously depending on the member. Since this instance, ( where the arbitrary hold on my payroll check affected my holiday travel ), theres been another unrelated hold of funds by Chase, which is why my XXXX rent was submitted late, which could violate my rent-controlled lease, causing me unintentional financial damages. There was no security trigger that would cause ATM to deny funds ( see photo attached ) other than my jerky motions, and stepping away, at the ATM, bc i needed to XXXX, which may have triggered a computerized red flag suggesting a fraudulent withdrawal, all if which i had to explain to my landlord, who already has obtained permits to develop my building, and seeks our eviction to do so. i make these statements under penalty of perjury under the laws of the State of California, in XXXX, CA on XX/XX/23 Signed ; XXXX XXXX
Company Response:
State: CA
Zip: 94607
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am writing this complaint because I feel disregarded, neglected and discriminated by the financial institution that I had business and personal accounts with and kept XXXX of XXXX of dollars on my balance. For 10 long months I have been going through this and Ive been neglected, mistreated and discriminated. I opened my claims over 10 months ago and have been continuously calling and speaking to multiple claims supervisors and executive team representatives and I have been ignored and received an unprofessional approach. When I first called Chase I clearly stated that I want to dispute all of the XXXX transactions. Every time when I call to find out the status of my claim I was told a different story. It is their fault that they let over {$400000.00} to be wired without my permission as an account holder and notification. After 10 months of constantly contacting them I feel powerless. Because when I call now there is always an excuse and for some reason no one is available or they dont want to talk to me. I originally opened a clam for {$460000.00} for the same merchant. After continuous and difficult fights only {$43000.00} was mysteriously refunded. It is an insult to me that being a long time Chase customer, who constantly holds XXXX XXXX XXXX of dollars in his multiple accounts ; this is a treatment I receive. Please find attached the transactions mentioned above and copies of checks I have received. And the email from the merchant who was requesting funds back from me, because my financial institution took money without notifying me and constantly denying my clams and mysteriously approving a small fraction of my entire claim.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have a business and a personal account with Chase, and they have caused me to become negative in my account with their overdraft fees, monthly charges and adding charges that I disputed several months later. I had several items that were charged to me that should have never been taken out, so I filed a dispute with Chase. They gave me my money back, then they would call me and tell me that everything was fine and they would inform me if any further information will be required. Several months go by, and I thought everything was fine, than out of no where they charge me a ton of debits from those items that I should have never been charged. I tried to call, and I am on hold for hours. Finally, once I was able to get a live rep, they tell me that I can no longer dispute it because I did not contact them back in time. I tell them how I did call, on several occasions, but the Chase dispute rep. tells me sorry I have to now pay the charges even they are not mine and I have to pay any overdraft charges.
Company Response:
State: CA
Zip: 92128
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently pulled by credit report and noticed credit inquires that i do not recognize, unauthorized and did not consent to. i must have been the victim in a cyber hack or identity theft. these non-account holding inquires with : XXXX XXXX XXXX, XXXX XXXX XXXX, JPMCB Card and XXXX XXXX are NOT mine, i do not recognize and did not authorize! these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer. This has caused me much stress and anxiety and has had a very negative impact on my life. I will be taking legal action on this account.
Company Response:
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My personal checking account information : JP Morgan Chase XXXX Routing # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX This account has been closed by the bank on XX/XX/2022, with no reason and with a balance {$74000.00}. The bank Promised me that they will send the cashier check to me within 3 months, but I have not received the check yet until today evening I called the bank to complain about 5 times. I am waiting for the money painfully and helplessly.
Company Response:
State: FL
Zip: 32796
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX//2023 using XXXX Banks app XXXX wire transferred {$5000.00}. In order to process this transaction I first had to call XXXX and request an Activation Code. In order to get an Activation Code I had to first answer a slew of security questions. Once approved I was given the code and completed my online transaction. Today I was notified by the bank that they cancelled my transaction for security reasons. I once again had to answer questions and once again passed their security procedures. They informed me I woukd hade to resubmit the wire transfer. When I tried I noticed Chase Bank did not return my money and wire transfer fees into my account. I called and was I formed they would not return my funds for up to three business days. It is unfair for them to hold my funds and prevent me from doing my business. Why do banks get to step in and stop a transaction and keep our money?
Company Response:
State: CA
Zip: 92026
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I used to have a credit of about us {$5000.00} in my account with CHASE credit card. It was a refund from a trip I had to cancel. Instead of wiring that money to a checking account for example, CHASE decided to send a cashiers check to my international address ( in XXXX ) without informing me. There was no email or phone call saying they will mail that check. In XXXX, where I live, the post is not super secure and I would have never approved that action. When I realized what happened, the money was gone, I called the company for the first time on XX/XX/2022 and they told me somebody cashed the check. They had a picture of a fake signature ( apparently on XX/XX/2022 ). During the last year, I spoke with at least 15 different people. First, they said they tried to cash the check but was rejected ( naturally because the signature was clearly faked ). But then, Chase refused to give me my money back and told me they need time to start an investigation. Every time I call, they say something different and usually that they need 180 more days to find out what happened. I keep explaining that nobody can cash a cashiers check in XXXX ( there are no banks that do that ). This should never be the clients fault. Any other company by now, would have returned the money to the customer. A check was stolen in the mail ( a check that they never told me they would send to a foreign address ) and Chase can not fix it, they keep telling me to wait. Its been 1 year now and I get no answers. For Chase = Reference number XXXX
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I was the victim of a new Online Scam that resulted in a loss of {$25000.00}. I reported this to Chase but did not specifically ask them to reimburse me as I was not aware that was an option until I spoke with the Detective managing my case today. I did have a long conversation about it with the XXXX XXXX of my Chase branch the next day - who also told me that she had talked to 3 people the week before who had the same thing happen to them. The scam began when I got a popup on my computer and my computer was completely frozen. The popup had a XXXX banner that looked completely legit and stated that XXXX XXXX had detected malware on my computer and to call XXXX for assistance in getting the malware removed and my computer unlocked. After trying unsuccessfully to get around the popup on my computer I finally called the number. The phone was answered as XXXX does answer their calls and I was transferred to a XXXX XXXX '. He indicated that my phone might be hacked so he was going to call me back on a secure line. He called back from XXXX. He had me download XXXX software to allow him to see my screen. He then had me execute a couple of command window programs which ultimately indicated that my IP address had been used to download XXXX XXXX. He asked my to look at my Chase account and see if I saw any unauthorized transactions. I did not. He then said he was going to have Chase call me to try and see if there were unauthorized transactions and asked for the number from the back of my Debit Card. I received a call from that number and was told that he could see 3 transactions of {$6000.00} from my Checking Account and {$10000.00} and {$9000.00} from my Savings account from the website for the XXXX. He said he could not block the funds from being withdrawn from my accounts so what he wanted me to do is withdraw the cash from the accounts and buy XXXX. I personally withdrew {$6000.00} from my Checking Account and {$19000.00} from my XXXX account. I created a Bitcoin Account at a local kiosk, uploaded the cash and when that was completed I sent a picture of the Paper Wallet to the guy who represented himself as Chase XXXX. While I was doing this he was monitoring things on my phone using the XXXX app. He said that when everything had been repaired he would then restore the funds to my accounts. Of course that never happened as this was a scam. I am not easily duped in most cases, this was very professionally done all throughout the process.
Company Response:
State: IL
Zip: 60056
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I have three credit cards with Chase. One of the packages I ordered to be delivered was stolen from my front door after it was delivered. I opened a claim ( claim number XXXX ) with Chase 's Purchase Protection provider, XXXX, and was asked for a lot of documentation, which I provided, including : a copy of my statement showing the purchase was made on my Chase card, a copy of the receipt from the store, the tracking number of the purchase from XXXX. Then the next day I went to the police station to file a report and received a piece of paper from the Police Department confirming that I had filed the report, which I added to my claim twice via web and once via email because they kept asking me to upload it. The claim was opened on XX/XX/17 and when I kept checking they confirmed it was being sent for approval. Then last week I got a call saying they needed a detailed police report, which I found out is going to take 10-12 weeks to get from the city, and will cost me {$25.00}. At this point I feel like I have provided much more than sufficient documentation for them to honor my claim and that they are just asking for more information in the hopes that I will give up the claim. I contacted Chase and they tried to transfer me back to XXXX, but I declined since multiple contacts with the company had resulted in them just asking for more and more information. Any help you can provide would be greatly appreciated. Incidentally, the company XXXX has a terrible rating as evidenced in this blog post that prompted me to escalate to you. XXXX XXXX XXXX/ It is cold comfort to know that I am in the majority when it comes to customers complaining about this service - 87 % have given them one star.
Company Response:
State: PA
Zip: 19147
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
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: On XX/XX/XXXX I called Chase to dispute a transaction of {$12000.00} with a company called XXXX XXXX XXXX. On XX/XX/XXXX, I purchased a license but due to false expectations, and not getting the service of {$12000.00}, I disputed traction with Chase. I spilt the payment into two chase credit cards chase freedom and chase slate. On my chase slate, I was granted the {$6000.00} in my favor, and on My Chase freedom I was not I called back and In XX/XX/XXXX chase had me submit the documentation again because according to them they had not rec 'd documents they denied again because documents were not sent in XXXX and I did but they didn't rec 'd it than on XX/XX/XXXX, I sent documents again for an appeal but they sent out another letter on XX/XX/XXXX, denied. I called again and they said it always be the same outcome because they did not rec 'd the documents in XXXX. It makes no sense that from which credit card I was granted and for the other I was not for both credit cards are the same documents and the same purchase on the same date. It not fair they tell you there is an appeal and there is not one is because the client wants to appeal and regardless it will be the same outcome. it make no sense so there is not appeal.
Company Response:
State: FL
Zip: 33437
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A