Date Received: 2023-02-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX XXXX, 2022 I was scammed into completing a wire transfer of {$12000.00} to XXXX XXXX XXXX. I found out this was a scam and immediately tried to recall the wire transfer. I called the bank and went online to reverse the transfer. The representative told me there was nothing I could do and that I needed to file a police report. The officer told me to go online to try to reverse the transfer so I did and nothing happened. I just filed a report to reportfraud.ftc.gov and they told me to file a report on this site because my Chase refused to help me with this scam.
Company Response:
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I incurred {$640.00} in insufficient funds fees in 2022, {$66.00} in XXXX, and {$230.00} in XXXX. I have called several times and spoken to representatives about getting the fees reversed. I was told by one person that they would submit a request for the reversal of the fees but the reversal was denied. I then called again and was told that I get six reversals a year and that I have already used those six. I have spoken to a " supervisor '' on one occasion and told there were not supervisors available on another.
Company Response:
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022 I moved out of my apartment in XXXX and relocated to XXXX. I opened a new Chase bank checking account after I moved. My previous landlord provided me with a security deposit refund check for {$830.00}. I attempted to deposit this check on XX/XX/2022, however this checked bounced due to inadequate funds. I was contacted immediately by my landlord who informed me that his XXXX XXXX XXXX XXXX account had been hacked ( washed checks stolen from his mailbox he claimed ), he then sent me a replacement check on XX/XX/2022 for the same amount ( {$830.00} ) from his new XXXX XXXX account. After I attempted to deposit the new check on XXXX XXXX Chase flagged this as potentially fraudulent due to it being from the same account holder and the same amount as the previous bad check. I was only notified of this after receiving a letter from Chase stating my account would be closed within 10 days if I did not respond, however I did not receive the letter until after the 10 days had passed, and upon further inspection of my account statements the check was deposited into my account on XX/XX/2022 and my account was closed on XX/XX/XXXX, XXXX only 8 days later. Chase refunded the rest of the money that was in my account ( {$120.00}, as I had not switched over my direct deposit with my work yet ), which I have not deposited yet as I do not want to risk them claiming that I accepted my account closure, and that check is now void as it over the time limit stated on the check. I have attempted to resolve this issue with Chase bank numerous times, however they claim they can not verify that the check is valid. I have asked them how they have attempted to verify the check and they reported there is not a phone number associated with account so they have not taken any steps to verify it and report they are not allowed to contact XXXX XXXX directly to attempt to resolve the issue. My landlord reports his phone number is associated with his business account and has not received any calls, he also confirmed that the money has been released from his XXXX XXXX and they will not allow him to cancel the check at this point. Chase bank as also confirmed that the money is out of my landlords account and is being held by Chase per their legal department, however they will not allow me to discuss this with their legal department. The only solution they have offered thus far is for my landlord to cancel the check ( his bank is unable to do that ), or for my landlord and myself to present in person to a Chase branch with government identifications and proof that he is the owner of the business that the account is connected to- this is not possible given we are in different parts of the country.
Company Response:
State: CO
Zip: 80211
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/XXXX2022 a charge from XXXX XXXX XXXX WA XX/XX/XXXX for {$1900.00} appeared in my checking account. I disputed on XX/XX/XXXX2022 and Chase provisionally refunded it. Then they reached the amount on XX/XX/XXXX2022 stating that my pin number was used in the transaction so that proves it was me that made the transfer. This is totally false as I have never given my card or pin to anyone and I also have never heard of an international cash wire being done using a debit card and pin number. To this day Chase will not refund my {$1900.00} that was stolen from me.
Company Response:
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Told me I information doesn't match what they have on record
Company Response:
State: TX
Zip: 798XX
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Dear Sir/Madam, I am writing this letter to register a complaint against Chase on behalf of myself for the fraudulent charges that were made on my Chase account by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I have been a victim of identity theft at the hands of Mr. XXXX, and I am currently attempting to correct this issue. I was in the hospital in Maine when Mr. XXXX used my Chase account to make the fraudulent charges. Enclosed with this letter are copies of my My Chart records, which clearly show my medical treatment and hospital stays in Maine during the time period my Chase account was used without my knowledge or permission. I also have attached a copy of the XX/XX/XXXX XXXX XXXX Police Department XXXX Report, which states that the charges made on my account were indeed fraudulently made. I request that Chase immediately remove the charges that were made on XX/XX/XXXX for {$3400.00} and on XX/XX/XXXX for {$7500.00}. Furthermore, I ask that Chase correct any information that was provided to credit reporting agencies based on these charges. I hope that this matter will be resolved quickly and that I will not have to take any legal action. Should you have any questions or require any further information, please do not hesitate to contact me at the address mentioned above. Sincerely, XXXX XXXX
Company Response:
State: ME
Zip: 042XX
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: The companied lied for the reason for denial. My credit score is XXXX, the highest possible, SEE PAGE 2 OF THE ATTACHED. I have a credit established for over 22+ years. PLEASE RECOSNIDER AND OPEN MY ACCOUNT.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I refinanced my home two years ago. The property has two structures which are both insured through XXXX XXXX but billed separately. XXXX XXXX XXXX XXXX, XXXX NJ XXXX After the refinance, the mortgage was sold back to Chase who had it previously. Last year my insurance billed them and they paid {$1000.00} bill but did not pay the {$600.00} bill. My insurance ( XXXX XXXX ) then called me and said my insurance had defaulted. I had to pay the {$600.00} out of pocket as it was too late for Chase to pay in time to keep me from loosing the coverage. I communicated with Chase that they needed to pay this moving forward. I don't know the exact date or time but I am guessing it would be around late XXXX of XXXX. This year, I again got notice from XXXX XXXX that my Home insurance was not paid and had gone into default. This time we discovered Chase received both bills on the same day and they opted to pay the {$600.00} bill letting the {$1000.00} bill go into default? According to a conversation with a Chase rep and XXXX from my state farm agency on Thursday, XX/XX/XXXX around XXXX, Correspondence from XXXX XXXX was sent to them repeatedly and they refused to pay. ( I can send what XXXX XXXX said they sent to Chase. ) " From : XXXX XXXX XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX AM To : XXXX XXXX XXXX Subject : XXXX XXXX XXXX XXXXXXXX PAGE PACKETS XXXX HI XXXX XXXX, Attached are XXXX Declarations Pages that were sent out on XX/XX/XXXX by XXXX XXXX to Chase. Please let me know if you have any additional questions or concerns. Regards, XXXX XXXX XXXX Insurance Account XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Address : XXXX XXXX XXXX. Summit, NJ XXXX Website : XXXX Find Us On Social Media & Leave A Review '' ( see attached ) This required my involvement, again. I called and waited through 5 minutes of their voice prompts system ( drives me absolutely insane ) before clicking a button to chat with a representative to which they texted me a link. I struggled getting their link to work and had to call back and wait through another 6 minutes of their voice prompts to talk to a person. So you can imagine the frustration of dealing with this during my work day. The person from Chase ( I forgot her name ) told me they had paid & had me on hold for about 20 min while she got a XXXX XXXX rep to explain why they were saying it was in default. After XXXX XXXX and Chase got on the phone with me, the Chase rep found the mistake & said they would pay the {$1000.00} bill. However at the conclusion, I asked to speak with a manager. I had no confidence that Chase had resolved the issue since it was the second time their incompetence created a headache for me. The Chase rep put me in touch with her manager XXXX ( XX/XX/XXXX around XXXX ). I asked XXXX why this was continuing to happen and she said this was our mistake. I asked why it was not fixed the first time? And why they opted to pay the lower of the two bills the second time around when they received them both together? She could not answer and so I asked to speak with her manager. XXXX said her manager, XXXX was, " on the phone '' but would call me back in 24hours. She gave me this number to call XXXX ... " in case she didn't '' I laughed telling XXXX I did not believe her manager would call me back. She assured me if XXXX did not call back another manager from Chase would with in 24 hours as " none were currently available ''. It has now been a week and I called back Wednesday XX/XX/XXXX, waited through all their prompts again at XXXX and spoke with XXXX. She said XXXX was " not available '' and did not know when she would be available. I told her I was done calling Chase and would file a complaint with CFPB if someone did not call me back. I have been more than patient, I have done my mortgage servicers job for them twice and taken my time to do their job. What accountability do they have? Their a huge bank. They know they can fail at their job and who has the time to call and XXXX through their labyrinth of voice prompts to to resolve issues they simply ignore? They make it so difficult for clients when they don't do their jobs, yet they make no effort to change! Do they care about their customers? Do they care that home insurance goes into default? Why is this happening repeatedly with them? Who keeps them accountable? Are their any consequences for their failures? The only way to get them to change is for it to COST them something.They have taken hours of my time because they failed to do their job. No one pays me for my time to do their job for them. XX/XX/XXXX I was dealing with their incompetence for two hours! A fair resolution would be to compensate me for the time I have had to put into correcting them repeatedly and wasting my time on something they should have done from day one of purchasing my mortgage.
Company Response:
State: NJ
Zip: 08822
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX, I received a letter in the mail that Chase Card services decided after careful consideration to close two accounts ending in XXXX and XXXX. They gave the reason as I was associated with an account that was closed before. On XX/XX/XXXX, I called into Chase to ask for further reasoning on the closure and to ask for a reconsideration. I spoke to XXXX in the XXXX XXXX office and after some discussion, she refused to give me any more details into the closure. She stated that one account was opened in XXXX of XXXX, and the second in XXXX of XXXX. She confirmed the following facts : - zero red flags on either account - zero late payments - no indication that I had committed any fraud I asked her to confirm if there was any details on my account that showed I violated Chase card services. I asked 3 different times and she refused to answer. She stated she can not give any details on why my accounts were closed. I asked to speak to someone who could and she refused, saying that I can not know why my cards are being cancelled. I asked again the question of, " You are saying that you cancelled my card, will not tell me what rules or policies I violated, and will refuse to give that information to me? She affirmed that statement. I asked her about opening a card and the underwriting process I went through months ago. I explained that I was cleared to open a card 5 months, violated no terms of the credit card agreement, and now I'm being cancelled without being told why. She confirmed this and wouldn't give me any more details. In my time with Chase card services, I have spent more than {$500000.00} with them and had zero warnings about any suspicious activity, had my credit lines increased several times, never had any written or verbal or electronic notifications that I was in violation of any policy, procedure, or contract.
Company Response:
State: WI
Zip: 53045
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Reported identity, theft, and fraud to chase bank beginning in XXXX, and have filed identity theft with FTC. I am now in a homeless shelter yet Chase Bank continues to allow fraud to continue when I do not even have the debit card. This is in multiple thousands of dollars I have spoken with customer service over phone and in bank.
Company Response:
State: CA
Zip: 92833
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A