Date Received: 2023-02-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 at about XXXX XXXX. I went to JP Morgan Chase located at XXXX XXXX XXXX, XXXX XXXX XXXX after getting no explanation of what had occurred to my daughters savings account. I spent 3 hours on the phone with customer service representatives at XXXX and XXXX. I wasn't told who had deposited the false checks, where, or when it actually occurred. I was told that I had to physically go into my local branch and make a deposit of {$100.00} or more. Upon, arriving at the bank and speaking to the cashier ( XXXX XXXX XXXX who couldn't explain to me what happened to the balance of {$620.00} that was in my daughters account I explained to her that I spoke with people at the listed above phone numbers and was told to deposit {$100.00} to remove the restriction from my daughters savings account. I made a deposit of {$200.00}. The cashier couldn't explain to me what had happened on the account and started to get loud and then proceeded to blame my daughter for making the fraudulent deposits in the amounts of {$500.00}, {$200.00}, and {$290.00}. When I asked to speak to someone else she stated " no, there is no one else that I could talk to ''. Realizing I wasn't going to get anywhere with the angry cashier I decided to return home and and call the numbers again. After getting someone on the line I was told that Chase was discontinuing their relationship with my daughter and they terminated her account. When I asked why were they terminating their account I was told that " my daughter phoned the bank at XXXX XXXX on XX/XX/XXXX and stated that she was involved in a money scheme ''. When I asked how could you verify my daughters voice and to let me hear the call my phone call was then terminated.
Company Response:
State: IN
Zip: 460XX
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Hello, The Chase online payment service has misguided me which resulted in an interest charge recently. I'd enrolled the e-bill service for XXXX credit card with the Chase bank and set up a monthly of automatic online payment with the option of " balance due ''. However, Chase only sent the minimum payment of {$35.00} on XX/XX/23 without my knowledge, which resulted in an interest charge of {$3.00} by the XXXX. On XX/XX/23 I called the Chase and some a tech support supervisor named XXXX confirmed with me that there are some tech issues for the online payment service. XXXX kept apologizing to me and told me that he's not able to solve this issue. On the same day I called and talked with another representative named XXXX to address the same issue. XXXX also apologized to me and advised me to ask a refund from XXXX, which is totally irresponsible and unacceptable. I can not agree that the Chase bank has been aware of their issues but refuses to be responsible for the loss of their customers.
Company Response:
State: CA
Zip: 91402
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: To Whom It May Concern : I would like to file a complaint to Chase bank. On XX/XX/XXXX, I received an emai from Chase stating that " Federal/state law required them to place a hold on my Chase acount ''. ( I later found out that the date which they actually placed the hold was on XX/XX/XXXX for the amount of {$7200.00} and also for a " Legal Processing Fee '' of {$100.00} ). There was also a message in my checking account, next to amount of the money holds, stating that the holds would be expired on XX/XX/XXXX. I did not know what happened at that time so I decided to wait until XX/XX/XXXX. Then, on XX/XX/XXXX, they removed the holds and paid {$7200.00} to " XXXX '' and charged my account for the " Legal Processing Fee '' of {$100.00}. At this time, I was really confused and scared of losing my hard earned money so I searched and looked deeply in all of the newsletter, message, and statements in my checking account. Then, I found " a new letter '' in the statement saying that " Federal/state law required the bank to place a hold on my Chase acount ''. It was a NOTICE OF LEVY from the XXXX. Right away, I called XXXX ( around XXXX on XX/XX/XXXX ) and asked them about the charge. The female agent from XXXX answered the phone on that day told me that my name was not even in their system. She also said that I had nothing to do with XXXX and I would need to go back to the bank to ask them about the problem. As a matter of fact, I have never applied for XXXX or involved with XXXX for anything in my whole life. After work, around XXXX on XX/XX/XXXX, I went to the local Chase bank and talked to the branch manager about the problem. He did not even want to hear my whole story but telling me to call the number listed on the new letter because he could not do any legal matter at the bank. ( I later found out that this number was supposed to be " Chase Court Orders and Levies department hotline '' ). Then, on the morning of XX/XX/XXXX, around XXXX am, I called Chase Court Orders and Levies department hotline ( XXXX ). The man answered my phone was not helpful at all. He kept saying that the bank already paid XXXX and I had to call XXXX to ask them. I told him so many times that I had already called XXXX and they had nothing to do with me. I even asked him what I could do to get my money back and he did not even give me a straight answer. After all, I requested him to call XXXX to verify that XXXX did indeed send the bank the Notice of Levy to get my money but he refused to do so. He said that I could call XXXX myself so that we could talk three ways on the phone. At that time, I could not do that because I was busy working. After that, around XXXX on XX/XX/XXXX, I called XXXX again, the phone line was busy and I was placed on hold for about XXXX minute. When it was about my turn to speak with XXXX, I used another phone to call Chase hotline again. There was a man answered my phone. Because I was very sure this man was the same man who answered my phone in the morning, I asked for his name and he told me that his name was XXXX. One more time, I told XXXX the problem about the bank gave my money to XXXX without checking with me first and XXXX told me that they did not have anything to do with me. I even mentioned that I was on hold with XXXX and he could talk to the XXXX staff to verify that XXXX had sent the Notice of Levy to the bank. However, XXXX did not want to wait and hung up the phone on me. Right after that, XXXX, the XXXX staff, answered my phone. Again, she confirmed with me that I had nothing on file with XXXX and she suggested that I would file a fraud report to XXXX and follow up with them. Before escalating the problem, I reached out to Chase one last time. I sent a " secure message '' to the bank customer service asking for help but nothing has been done. XXXX, the Chase Email Servicing agent, suggested that I should have called " their Court Orders and Levies department for assistance ''. I called that " hotline '' twice and got nothing but frustration so I am here to file the complain. Please let me know if you need any more information to help me getting my hard earned money back. Thank you very much for your help. Sincerely, XXXX
Company Response:
State: CA
Zip: 92708
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I ordered some merchandise on line from a jewelry store. I never got the items I ordered yet my bank took the money out of my account any way. I provided the bank with the police report that showed them that I never received the items I ordered because they where stolen before they ever reached me. Police report # XXXX
Company Response:
State: MI
Zip: 48205
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On or about XXXX XXXX, on a flight from XXXX to XXXX, I used the Chase Southwest Rapid Rewards Priority Card to obtain an upgraded boarding position as I am entitled to four per calendar year. Due to the Chase " system '' two of the four were improperly used by the Chase system violating the term of agreement wherein I am entitled to receive 4 upgrades. Due to an error in the Southwest system, the wrong leg of my flight was upgraded and I immediately notified Southwest. They apologized and said that it was an error but that they could not do anything about it. I notified Chase that the charge was invalid as Southwest admitted that it was their mistake. Chase put the amount in dispute. I noticed, within a few days, Chase posted a credit to my account and I believed that was for the dispute. In reality, that was the system using up one of my four credits per year. After Southwest read my e-mail, they agreed that it was completely their fault and they issued a credit refunding me for my purchase. Chase, seeing that the amount I had disputed was credited to my account, went ahead and rebilled the original charge and the system then credited me for the rebilling of the original charge, using the second of my four free upgrades all because the Chase system messed up - twice. On my XX/XX/2022 billing statement, I ended up paying for the rebilled credit despite the fact that the net sum should have been zero dollars- and NONE of my upgrades being used. I asked Chase why I was charged for an amount that the biller refunded and Chase said it was because Chase and Southwest both paid me and that I they were charging me for the extra amount they credited me due to the dispute. I disagreed, but the card was on autopay and Chase refused to put the overcharge from them in dispute despite my not owing them since they rebilled me. However, they also used two of my four upgrade credits as well which means I basically paid three times for an upgrade I did not use. I only found out about this when I saw that after ACTUALLY using two of my four upgrades, Chase stated I only had one left and the second one was actually my fifth. Over the last month, I have been going back and forth with Chase asking them to audit their system and see that they actually have improperly taken {$120.00} from me - wrongfully using 2 upgrade credits and also charging me for an upgrade I did not use and that Southwest had refunded me. Rather than helping me and honoring the terms of their agreement, the least message I received said they would no long reply on this issue despite the violation of their own terms.
Company Response:
State: CO
Zip: 80922
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: To Whom It May concern, My name is XXXX XXXX. I'm a XXXX who recently relocated to XXXX for work in XX/XX/XXXX. I had a similar issue occur with a personal account with XXXX XXXX XXXX back on XX/XX/XXXX about a month after opening the account. Once I received my XXXX debit card, I then shortly after received a letter in the mail saying XXXX was closing my accounts. Now on XX/XX/XXXX about 4 months from signing up with Chase bank. I received a letter in the mail from Chase, stating my name is connected to a " Publicly Reported XXXX XXXX ''. Now it seems that Chase has done the same thing as XXXX XXXX XXXX. after I opened my personal account back in XX/XX/XXXX & funded it through my XXXX business account. I've recently registered my XXXX XXXX in XX/XX/XXXX but I'm skeptical about opening a business account or another personal account in case this issue persists. Long story short XXXX XXXX keep closing my accounts for no reason.
Company Response:
State: CA
Zip: 90005
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Please note that after one month of being a victim of fraud, Chase Bank finally refunded my money that was fraudulently withdrawn from my account. However, I feel it is important to notify the Consumer Financial Protection Bureau of what happened at my local Chase Bank, located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The bank is aware of their customers/ATM users being victims of fraud yet have done nothing to alert their customers or ATM machine users. This is negligence. Here is my story. I was a victim of fraud on XX/XX/XXXX while using the Chase ATM machine on XXXX XXXX @ XXXX XXXX and I had a XXXX of a time reclaiming my $ $ $ that was fraudulently withdrawn. I went to the ATM on Friday, XX/XX/XXXX @ XXXX pm. I used the ATM on the right-hand side, inserted my card and it seemed like the transaction was processing. I removed my card, but then received a receipt that said, your transaction can not be completed at this time. My partner was waiting for me on the sidewalk, and there was a man next to him who had his debit card in his hand and who was pretending to be in line. When I turned around and said, this machine is not working, he said if you have a chip, you can use the tap function. I have never used the tap function @ the ATM before, so I tried it and it worked. I thanked him and went on my way. The next morning, I looked at my bank account and there were three transactions immediately after mine totaling {$940.00}. I knew right away that I was scammed by the man who told me to use the tap function. I promptly cancelled my debit card and filed a claim. The following Monday, XX/XX/XXXX, I went into the branch and reported this to the branch manager. She told me that she is well aware of this activity and that it is happening up and down XXXX XXXX. She can identify the three guys who stand out there on a regular basis. They tamper with the card reader ( they put glue in it so the machine can not read your card ) and then tell the user to try the tap function while they are either looking at you enter your PIN or one of their buddies is zooming in with his phone while you enter your pin. If they have your pin, they can continue to withdraw up to $ XXXX ( ATM LIMIT ) without having to re-tap your card which I find to be flawed technology. It is very frustrating that the bank blatantly knows their customers are being scammed and have no notices in their windows or communication to their customers who live in the vicinity of the bank. The bank states that the only way they can pull the video footage is with a police subpoena or if the fraud is over $ XXXX. I spent around 7 -8 hours in total disputing these fraudulent activities. My first claim, I submitted on XX/XX/23 was denied, my second claim submitted on XX/XX/23 was denied. I then filed a police report and the Branch Manager escalated my claim to the Executive Claims department. That third claim was also denied and they stated that they have no history of reported fraud on file of those ATM machines. I immediately went to the branch and told the manager that. She was quite upset as she stated she has reported it to her manager and the security/fraud department several times. She filed a new claim for me ( # 4 ) and that was finally approved in my favor on XX/XX/XXXX and the funds were returned to me as of today, XX/XX/XXXX. The tap function on these machines should be disabled until Chase can improve their technology and/or there should be warning signs in Chases bank windows alerting users to take precaution when using the machines and never, ever use the TAP function. I posted my story on XXXX and six other people direct messaged me saying the same exact thing had happened to them and that Chase refuses to return their money. I hope that any victim of fraud gets their money returned as Chase is well aware of this problem and it is negligence on their part that the ATM machines are still operating.
Company Response:
State: CA
Zip: 94110
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have recently inquired about my account with chase bank via CFPB in regards to my payment history till I discovered an error in payment reporting on my credit file. Chase bank is reporting an invalid payment history and for that reason I would request a detailed debt validation from beginning of credit card application to approval and also why XXXX reported all positive payment and XXXX and XXXX are all reporting a different charge off date/payment history which is violation of 15 U.S Code 1681i. According to XXXX XXXX credit file it indicated that my account was positive till XXXX XXXX and XXXX doesnt have no data recorded for my payment from start of creation to XXXX XXXX when late payment reported as 30days late. Attached is documentation for evidence and according to XXXX, chase bank ran a soft inquiry on my credit file and updated payment history without my authorization. Under 15 U.S. Code 1681i If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I am also in the process of filling a complaint with FTC for improper use of credit file.
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was XXXX from XXXX. During this time my phone and wallet were stolen. I reported it to the police and notified my bank as soon as I saw that they were lost. Someone during that time used my card in various states to make purchases in excess of XXXX. I have XXXX and have been very ill and was unaware of any of this happening during my treatment. I have provided proof that I was in California when these purchases were made in other states but chase is saying that since my pin was used, I am responsible for all the purchases even though I can prove I was XXXX XXXXXXXX XXXX XXXX XXXX XXXX in XXXX XXXX California when these purchases were made in various states within the XXXX.
Company Response:
State: CA
Zip: 91364
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
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 Sunday, XX/XX/XXXX, I went to XXXX XXXX on the XXXX XXXX XXXX, XXXX TX to one of my routine face treatments with my mother, also a customer. When I was at the register, to book my other appointment, I was addressed by the CEO & Founder of the store XXXX XXXX XXXX, who talked about purchasing another cosmetic procedure ( that did not include any product or cream ). This beauty procedure was a Neck lift that would be delivered in 12 sessions starting in XX/XX/XXXX. The cost was for {$3200.00}. I was in front of the register very hesitant of making the purchase with my Chase card on my hand to tip {$20.00} for the session I had just been given. XXXX XXXX XXXX kept on talking about the great benefits of the Neck procedure and took the card from my hand and personally made the payment through the credit card reader for the Neck Lift and XXXX ultrasound treatment at XXXX XXXX, as shown on the receipt attached to this letter. I immediately requested to stop because I didnt want to continue with the transaction. I told her I did not want to move forward with that service. She, said that unfortunately, it had already been processed. I demanded right away for the transaction to be canceled. Not even two minutes passed when requested the cancellation of the payment, but I was told ( and there are witnesses ) that, since it was Sunday at XXXX XXXX, no one in the main office would be able to answer and process the annulation and refund of the transaction, that it would take several business days to refund it Then, she manifested that in order for the transaction to be cancelled I had to sign some documentation for them to make the refund of the transaction. XXXX XXXX said I should not worry because in the receipt it said that transactions would be refunded within 7 days, and since I did it that day, there would be no problem. In good faith, and since I am still their customer for a service I acquired, back in XXXX for {$3500.00} that has been fully paid, I believed what I was told that Sunday. ( After I opened a dispute with Chase Bank, XXXXXXXX XXXX XXXXXXXX has not provided the last six sessions of the previous service ). I requested a copy of the document I had signed for the refund, and XXXX XXXX said it had to stay in the store. I was given a business card with her phone number. She assured me that it would be taken care of. Since it was XXXX XXXX the store had to be closed and I was escorted to the door. On Monday, XX/XX/XXXX, I called the phone number. Left several voice messages and I was not able to contact or communicate with anyone from the merchant. Therefore, I opened the dispute charge on XX/XX/XXXX, as specified in the banks records. Two days after the transaction was made. After several calls, and visits to the store and being told that the manager was not available that she would get back to me, I contacted the merchant again on XX/XX/XXXX via text message, then on XX/XX/XXXX through email. I am attaching the email correspondence, text messages with the merchant and the scanned receipt of the transaction. I am very concerned because the merchant has abused my good faith and took advantage of me when I had my card out in front of the register. Instead of the {$20.00} for the tip, I was charged {$3200.00} for a service I did not verbally agree to. I did not receive a device, cream, or product or service that day. I XXXX a formal letter requesting the refund. The merchant contacted me to deny it all. The merchant will not refund the money. I, again, did not agree to this purchase, I requested the annulation of the transaction that same day. I was told by the CEO of the company, that I would have the transaction cancelled. It has not occurred. The Chase Bank has not resolved the dispute. The merchant sent the bank my previous Driver 's License information along with a document that authorized the purchase, however, I did not agree to purchase anything.
Company Response:
State: TX
Zip: 77407
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A