Date Received: 2023-02-22
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Hello, Im contacting the consumer protection financial bureau in regards to Chase Bank. Chase has decided as a business to end their relationship with me their banking relationship I would like for that decision to be reconsidered based off of the fact, my checking account has never been negative. There have never been any fraud claims on my account. There have never been any check fraud claims on my account. The reason why is because I keep my account maintain well I also have 4 credit cards with Chase so having a checking account, would make an extremely easy to pay my credit card. I am a serious customer as Chase can tell which is why I currently have four open credit cards with Chase so I would like my banking relationship with Chase to be reconsidered
Company Response:
State: FL
Zip: 33145
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In XXXX of 2022 my JPMorgan and Chase business account ending in XXXX was compromised as a result of fraud. I disputed the account immediately when I became aware of the activity. JPMorgan and Chase did reverse the transactions and provided a resolution to my account to where I had a {$0.00} balance. But as a result of the fraud the credit bureau agencies are reporting late payments for the months of XXXX and XXXX of 2022. I have submitted all credit card statements confirming that these transactions were all reversed as a result of fraud and I should not be responsible for late payments. I request my credit reports with the credit bureaus be adjusted to accurately reflect such.
Company Response:
State: NC
Zip: 28786
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023 I received a call from Chase Bank in regards to my Visa Debit carded. The call came from the Chase Customer Service Department and the caller stated that there appeared to be fraudulent activity on my card. The caller asked me if I had recently authorized purchases to be made in Texas because a purchase at a store was being denied. After I replied no, the caller then stated he also saw a payment of {$9000.00} scheduled for a wire transfer. At this point I asked the caller to identify himself, and to provide me with information that I could verify as being legitimate. The caller identified himself as XXXX XXXX, and then provided me with information from my Debit Card including the CVC code. Additionally, he told me to look at the back of my card to see that the Chase Customer Service number was indeed the number from which he was calling. He stated that in order to stop the scheduled payment, I needed to process what was called a reverse transaction and the receiving bank would resend the payment. He provided an account number for the wire at XXXX XXXX ( XXXX ). Long story short, he walked me through this process and provided the following information for the receiving bank : XXXXXXXX XXXX ( I believe it was in XXXX ) and the name of the bank representative, XXXX XXXX. At this point I told the caller to stay on the line while I drove to Chase Bank to verify. He did and when I arrived at the bank, the customer service representative from Chase asked the caller for his ID number. She also verified that it was indeed Chase 's phone number that he was calling from. When she asked him for his Code number, he hung up and by that time the money was wired. The representative immediately sent me to a Manager who filed a recall wire and the claim number for that is XXXX XXXX. After following up and calling several times, I was sent a message through my " secured message Chase account '' that basically stated the receiving bank stated there was no money in that account. I then tried to contact someone from Chase 's " fraud '' department, but the only communication was via relayed messages. I attempted to make contact today XX/XX/2023 and on three different occasions, the Chase employee disconnected the call after I asked if they had filed an Elderly Senior Financial Fraud/ Exploitation report on my behalf.
Company Response:
State: GA
Zip: 30043
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I paid for a XXXX STORAGE plan. 3 days later when I was saving pictures and music from my phone suddenly I got an issue that I couldn't upload. LONG STORY SHORT - don't loan phones out as OTHER PEOPLE 'S photos in email attachments and from photo links from people get onto YOUR ACCOUNT without your knowledge. I got both XXXX and XXXX extra storage but ONLY XXXX CANCELLED THE ACCOUNT JUST DAYS LATER. They sent me an email. I appealed and stated : RESTORE MY ACCOUNT OR STOP CHARGING ME. First payment : XX/XX/2022 ( {$2.00} ). I tried calling the phone number on the transaction. AUTOMATED. I went on literally every single XXXX support page with my email account and stated that I either need to get the storage I am paying for or they must STOP CHARGING ME. Support online chat- they said I had to cancel by signing onto my account but XXXX disabled it! And CHASE BANK says I have to cancel my debit card! I am XXXX with NO CAR! CHASE refuses to believe that it is their responsibility to stop unauthorized charges when I tell them. I even read the law from this website to them on the phone! I have screenshots of me putting it IN WRITING for XXXX to stop charging me for services not provided and can provide those upon request.
Company Response:
State: NY
Zip: 10566
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX with account # XXXX opened on XX/XX/2021 and a balance of {$3500.00}. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above-referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S.C. 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] The subsections you violated are as follows. 15 USC 1681 ( a ) 1, ( a ) 2, ( a ) 3, ( a ) 4, ( b ) 2. Your company said that you did an investigation on this account, and it was verified. As a consumer, I exercise my rights under 15 U.S.C. 1681i ( a ). I'm requesting your method of investigation and verification. I'm granting you 15 days to respond to my request. I also exercise my rights under 15 USC 1681 ( a ) e. I want to know who you spoke with regarding this matter and what communication method you used. And, what company did you talk with, and what are the employee 's name and the number who furnished this information? Also, What's the neighbor 's name, friend 's name, associate 's name, and acquaintances did you speak with? Was all the information factual? Please be advised that this is my FINAL WARNING that I fully intend to pursue litigation under the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous two written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my dispute letters that you verified that the items listed below are accurate, but you failed to send me copies of the documents you used to verify these accounts as per my request. You have ignored my request to send me copies of the documents you used to verify the disputed accounts is evidence that you can't and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can't verify after written requests is also evidence of your willful disregard for Federal Law. When we go to litigation, and through the discovery process, you will be required to produce these documents along with an affidavit swearing under oath that these are the proper and correct documents you used to verify the disputed accounts. The fact that you don't have any of the said documents in your files proves that you did not correctly verify the accounts within 30 days as required by law, and the Court will order you to delete them. You say that you have reinvestigated these accounts. Still, you've admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts, which is clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts. Still, you also ignored this request, another violation of Federal Law and evidence of your willful disregard of the law. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ''promptly DELETE all information which can not be verified. '' I request that you do this immediately. I am a litigious consumer and intend to pursue litigation to enforce my rights under the FCRA. The law is evident as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I demand that you delete all of the accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted.
Company Response:
State: OH
Zip: 44121
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: In XXXX, I sent out a bill payment to XXXX XXXX XXXX but they company moved and I was not aware of the the moving so the paper check was mailed and stolen. I filed a claim at my bank which is chase and they helped me return my money but later took back the funds. I asked why they took back the money and they helped me file another claim. They told me it would take up to 120 days so I waited patiently. It is now XXXX which is beyond the 120 days and they tell me it is at the mercy of XXXX XXXX XXXX. XXXX XXXX XXXX is not responding to Chase 's messages to retrieve the funds
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I AM LOCKED OUT OF MY ACCOUNT. THE CHASE BANK SAYS I HAVE TO COME INTO A BRANCH TO UNLOCK MY ACCOUNT BEFORE I CAN MAKE TRANSACTIONS OR HAVE ACCESS ONLINE LIKE I HAVE ALWAYS DONE. THE MATTER IS I DONT RESIDE IN THE XXXX XXXX XXXX CHASE BANKS ARE .... I LIVE IN XXXX XXXX XXXX. CHASE BANKS INSIST THE ONLY WAY TO ACCESS " MY MONEY ACCOUNT '' AGAIN IS TO COME A BRANCH. THAT IS UNACCEPTABLE TO ME .... TO FLY TO THE XXXX FOR SUCH! PLEASE CORRECT THIS MAJOR PROBLEM FOR ME ... .AS CHASE BANK HAS " MY MONEY '' IN WHICH I NEED TO LIVE WITH.
Company Response:
State: NJ
Zip: 07201
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Fraud or scam
Subissue:
Consumer Complaint: I used XXXX service to send the funds and receive the item from the person but it was a fraud and I was ripped off. I immediately called my bank ( Chase ) and I was told once the money has been delivered, they can't do anything about it.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, someone accessed my daughters Chase Bank accounts ( custodial accounts, I am also on her accounts ) and deposited 2 fake checks. One to her checking account and one to her savings account. Not sure how they did it, no one is given user names or passwords, they then transferred the amount of the check in the savings account to her checking account and then XXXX paid themselves {$500.00} on XX/XX/XXXX and {$500.00} on XX/XX/XXXX. The names on the XXXX pays are XXXX and XXXX. Chase told me on our first call that there was a third attempt in the name of XXXX but they did not pay it as it looked suspicious. The fake checks were returned on XX/XX/XXXX and the account was charged a return fee. The fraudulent checks and XXXX pays were discovered by my daughter on XXXX. Chase reversed the XXXX pays for the duration of the investigation on XXXX. On XX/XX/XXXX Chase reversed the XXXX pays again stating there was no fraud detected, leaving my daughters account missing {$1000.00}. I was informed by Chase that I would need to request an appeal in writing, which I did on XX/XX/XXXX. They continually told me they didn't receive the appeal request. On XX/XX/XXXX I wrote them again sending proof that I mailed the letter via Express mail and had their signature for receiving the piece on XX/XX/XXXX. They again denied our claim stating no fraud detected. Their letter stated that I could request the information they used in their investigation, which I did by phone on XX/XX/XXXX. The letters finally came on XX/XX/XXXX letting me know the information they used for the investigation was an account review. They did nothing to find out who did this and they are letting them get away with our {$1000.00}. We would like to have our stolen {$1000.00} returned. I'm questioning why they aren't charging us with check fraud if they think we were compliant in cashing fake checks. Except they know we weren't compliant, they just won't return our money. I'm hoping you can help, I've been seeing stories like this one all over social media. Someone needs to help us with the large conglomerate banks taking our money or letting it be stolen from our accounts. Thank you.
Company Response:
State: MI
Zip: 49441
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My Wife and I are having very unusual activity and interaction with our local Chase Bank from their employees locally, and from the Fraud Department. We had {$25000.00} stolen from us, and immediately attempted to get it back. In this attempt were have been getting the run around, as well as bank officials falsifying their report when we made our complaint. Plus, the denial of filing a Fraud Claim, still to this day. The theft from our bank account started over a month ago. On XX/XX/2023 in XXXX Washington 3 fraudulent unauthorized transaction occurred. One transferred funds from my Chase checking account to my wifes Chase checking account, then a wire transfer was made to a XXXX XXXX account to XXXX Alabama XXXX XXXX at XXXX XXXX XXXX for the amount of {$6500.00}. A Second similar fraudulent unauthorized wire transfer was made from my wifes checking and savings account to a XXXX XXXX accounts in XXXX Alabama XXXX XXXX at XXXX XXXX XXXX for the amount of {$11000.00}. The Third was made to XXXX XXXX account in XXXX Florida XXXX XXXX at XXXX for the amount of {$6900.00} sum total amount of {$24000.00}. My wife noticed the unauthorized transfers immediately at approximately XXXX XXXX XXXX. She got a call from XXXX ( Chase Fraud Specialist ) which got disconnected. She then called the Fraud Department using the number on the back of her card and talked to XXXX ( Fraud Specialist ) to start a claim. It was apparent that XXXX ( Fraud Specialist ) did not know what she was doing so we went down to our local bank to at XXXX as they opened. At approximately XXXX, we talk to XXXX XXXX XXXX XXXX Branch Manager ) to file a formal Fraud Claim. He brought in XXXX XXXX XXXX XXXX Bank Specialist ) to help us. She noticed that the funds in question were pending in XXXX XXXX banks in Alabama and Florida. She restricted/ locked our accounts and went through over 3 hours of questions. We assumed she was gathering information for the Fraud Claim ( Which Did Not Happen ). She then told us to go to the XXXX Branch to get new accounts. At approximately XXXX my wife and I met with XXXX XXXX ( XXXX Branch Manager ), XXXX XXXX ( XXXX Branch Manager ) & XXXX XXXX ( XXXX Bank Specialist ). They asked us questions and set up new accounts for each of us. This process took approximately 3 hours, and we assumed that it was part of the Fraud Claim. On XX/XX/2023 I received a phone call from XXXX XXXX ( XXXX Bank Specialist ) to inform me that the Recovery Claim dept could not recover the two wire transfers ( One for {$6500.00} and for {$6900.00} a total of {$13000.00} ) claim # XXXX. She said that the {$11000.00} is still pending. She said that XXXX XXXX said the transfers were authentic because the codes given were confirmed & legitimate. At this point I ask for the Fraud Claim #. She responded by saying the Recovery Claim is the same as the Fraud Claim. XX/XX/2023, My wife & I went to the XXXX XXXX to find out why no Fraud Claim was made. XXXX XXXX ( XXXX Bank Specialist ) and XXXX XXXX ( XXXX Bank Specialist ) filed an Escalation Claim with us. They would not give us a copy of the Escalation Claim or a Claim # because it was internal office use only. No Fraud Claim was made. On XX/XX/2023 I went to the XXXX XXXX and asked XXXX XXXX ( XXXX Branch Manager ) to have the wire transfer fees off of my wifes account since they were fraudulent. He said that they will be removed. The next day I spoke to XXXX XXXX ( XXXX Branch Manager ) again and told him that my wife is getting overdrawn fee on the account that is restricted/ locked. He said that could not happen, He explained, there should be no activity happening on that account but yet it did. I asked him to look it up and he discovered the account ending in XXXX was labeled restricted, but had several transactions being conducted over the last couple of days. I asked him who has the power to override restricted accounts to allow transactions. He replied he didnt know. On XX/XX/2023 approximately XXXX, I called and spoke to XXXX from the Fraud Department , and tried to file a Fraud Claim ( XXXX XXXXXXXX case XXXX XXXX XXXXXXXX ). Later on that day of XX/XX/2023 at XXXX, my wife and I went to meet with XXXX XXXX XXXX XXXXXXXX Branch Manager ) at the XXXX XXXX to have my wife 's wire and overdraft fees removed ( an appointment set up by XXXX XXXX XXXX XXXX Bank Specialist ) ). Evidently, it was an appointment that was never made, and XXXX XXXX ( XXXX Branch Manager ) refused to meet with us. As the week continued on, Chase Managers and Specialist kept giving us the run around, and it felt like they began to stonewall us. Something strange and odd is happening at Chase Bank. On XX/XX/2023 approximately XXXX, we met with XXXX Police officer XXXX XXXX to file a Police Report ( XXXX XXXXXXXX ). Then another strange and odd thing occurred on XX/XX/2023 when I noticed that the Fraud Claim # that I got from XXXX ( Fraud Specialist ) on XX/XX/2023, was the same as the Recovery Claim # XXXX. I immediately called the Chase Fraud Dept. and XXXX and I spoke to XXXX ( Fraud Specialist ) who said a Recovery Claim is different from a Fraud Claim, and that no Fraud Claim was Made. I thought this was strange since I spoke with XXXX ( Fraud Specialist ) a few days ago. It turns out it was a XXXX Fraud Claim that I made with XXXX. She informed my wife that the Recovery Claim was denied due to a manager who had ( Falsely ) reported that XXXX gave out personal information over the phone ( which did not happen nor did we say it happened ). XXXX replied, that no personal information was given out, and asked the name of the manger who reported this. XXXX said she didnt have that information. She proceeded to initiate a Fraud Claim where we were put on hold several times, and gave us a Claim # XXXX. We both explained, that the number is the same as the Recovery Claim #. She then changed her statement that Fraud Claims are the same as Recovery Claims. This is when I realized that we were being stonewalled, and they were refusing to initiate a Fraud Claim. The following Monday XX/XX/2023 at about XXXX I went into the local Chase Branch and Met with XXXX XXXX XXXX Branch Manager ). I told him that a manger falsely reported that XXXX gave out personal information. I asked how do I get the report corrected that reflects what had actually happened. He told me that I had to talk to XXXX XXXX ( Bank Specialist ), and that I would have to come back since shes not working today. Four days later I came back at XXXX XXXX XXXX. Where XXXX XXXX ( Bank Specialist ) had walked in before me. The Teller called me over to make an appointment with XXXX XXXX ( Bank Specialist ) because I have to wait until XXXX XXXX ( Bank Manager ) is present who happened to be gone. I explained to the teller that XXXX XXXX ( Bank Manager ) had instructed me to come back to talk to XXXX XXXX ( Bank Specialist ). Now that XXXX XXXX ( Bank Specialist ) is available I have to wait until XXXX XXXX ( Bank Manger ) is available. I told the teller it feels like Im getting the runaround, but I did set up an appointment with both of them on Tuesday XX/XX/2023. On XX/XX/2023 I got a call from XXXX XXXX ( Bank Manger ) asking me the reason for the appointment. I explained wanted to know why they reported misinformation that personal information was volunteered. Which is absolutely not accurate, and I wanted them to correct it. Chase has treated us in an unprofessional behavior. I also want to know why Chase is refusing to file a Fraud Claim. I want an explanation on why wire transactions were not frozen before completion without notifying, verifying and confirming the transaction with the owner of the account. I want an explanation on why a wire transaction was not stopped, when the owner of the account has no history of wire transfers. I want to know who has access to our accounts that can give authorization codes for wire transfers. I want to know why no initial Fraud Claim was made. I want an explanation how an account that is restricted/ locked can still have active transactions. I want FDIC to use the insurance to return the {$24000.00}. Plus refund the wire and overdraft fees.
Company Response:
State: WA
Zip: 99352
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A