Date Received: 2023-02-02
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XXXX XX/XX/XXXX, my husband and I visited a local Chase Bank in XXXX XXXX TX. We opened a checking account in our trust name. The banker said that we could put it under " military account '' so that you do not have to keep a balance in the account or pay fees. On XXXX XX/XX/XXXX, we had some funds wired to this account. When we checked that day to confirm the funds reached the account they were showing up in the account online. The next day on XXXX XX/XX/XXXX, I could no longer see the account online. We called Chase bank and a representative said the account had been closed. After not getting good info from her, we asked to be transferred to a manager. The manager we spoke with stated the account was never coded as military and due to inactivity the account was closed. The funds that had been wired were sent back to the bank who sent them. Since that day we have called Chase bank numerous times and each time someone tells us something different. This is not a small amount of money and we are not getting any answers other than it could take XXXX hours, or as of XXXX XX/XX/XXXX it could take XXXX days.
Company Response:
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: I tried to purchase a puppy through a breeder whose website was cleared by XXXX and ran as an ad on XXXX. I was in contact with the owner and they did all of the routine steps in making sure everything went smooth and was consistent with what you would expect of most breeders. After all paperwork was drawn up, I paid {$2500.00} total using XXXX and XXXX for the dog but after noticing some sketchy services afterwards, I realized that I had been scammed. I then reported the operation to the FTC, FBI, XXXX XXXX and XXXX. I've tried recovering my funds from Chase Bank, XXXX and XXXX but they all denied my claim.
Company Response:
State: OH
Zip: 45240
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: At XXXX on XX/XX/XXXX, I deposited my personal {$190.00} check into Chase checking account at AID # XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX My account at Chase and XXXX XXXX XXXX XXXX upon which the amount was drawn are in good standing. My transaction receipt stated " Notice of delayed availability '' and " Date funds will be available XX/XX/XXXX. '' I immediately entered the bank to inquire as to why. The teller told me she could not provide an answer because she didn't have access to ATM transactions. I then approached XXXX XXXX XXXX XXXX XXXX for his insight. He investigated further but could not ascertain any additional information. He advised that I watch my XXXX account to see when the check cleared, provide proof it did and he would do what he could to release the funds sooner than XX/XX/XXXX. On Monday XX/XX/XXXX at XXXX XXXX, I emailed the screen grab of my XXXX profile that proved my check cleared on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX stated he still could not release the funds because of a hold up on XXXX 's side. My XXXX banker, XXXX XXXX researched his claim and found no evidence of this. I attached XXXX XXXX findings to my followup email to XXXX XXXX XXXX XX/XX/XXXX at XXXX. Funds still were not released until XX/XX/XXXX.
Company Response:
State: FL
Zip: 33618
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/23 {$4300.00} {$3400.00} I had wire transfer fraud and they only made XXXX attempt to retrieve my funds back and was very unsuccessful
Company Response:
State: CA
Zip: 92324
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I opened a checking and savings account at the Chase branch located at XXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX. XXXX XXXX XXXX ID XXXX helped me when I opened the accounts After opening the accounts, I was given a folder with an account summary, information about earning an account bonus, details on how to set up direct deposit, information about my debit card, and starter checks. I never received information about fees for the savings account and was never told anything about fees for the savings account. I was advised that I would need to keep at least {$1500.00} in my checking account or receive direct deposits to avoid fees on my checking account. A couple of days ago, I noticed that I was getting charged {$5.00} per month on my savings account. I called Chase customer service XXXX XX/XX/XXXX and asked about the fees and requested that they reverse them. I was told that in order to avoid fees, I'd have to keep a minimum balance of {$300.00} in the savings account or have at least one automatic transfer per month. I told the agent that I'd set up an automatic transfer to avoid the fees going forward and that this information was never disclosed to me when I opened the account. The agent told me that they could only reverse the fee for one month per company policy. I then asked to be transferred to a supervisor to see if they could make an exception to this policy as the fees for the saving account were not disclosed to me. I was then transferred to XXXX XXXX at the main customer service number. XXXX stated that he was unable to make an exception even though the fees for the savings account were not disclosed to me. I then decided to try to speak to someone at the branch. I called XXXX XXXX on XXXX XXXX XXXX and requested he reverses the fees because I was not made aware of the fees when opening the savings account. XXXX said that he, nor anyone else at the branch had the authority to reverse the additional fees and suggested I call customer service ( which I already knew was a dead end ). I stated to both XXXX and to XXXX that refusal to reverse these undisclosed fees would leave me no choice but to file a complaint with the CFPB and neither one seemed to care. Thank you for your time and attention to this matter. Regards, XXXX XXXX
Company Response:
State: CA
Zip: 94404
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Hello, I am writing in regards to JP Chase Morgan bank pulling my credit without my knowledge. I was inquiring about a credit line increase and was told via email ( see attached documents ) I would not receive a credit check if I provided certain information and the increase in credit did not go over a certain amount. I provided the information and the credit increase amount did not go over. However, JP Chase pulled my credit which I had no knowledge about, if I knew I was going to get a credit pull I would have not went through with the request however, JP Chase told me they would not and still did without my knowledge and permission.
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I wired money from XXXX XXXX into my Chase checking account before noon on XX/XX/2023. I planned to buy a car. At XXXX XXXX. that same day ( XX/XX/2023 ) I arrived at the branch, requesting a cashier 's check in the amount of the cash transfer. The wired money showed as available in both my online account summary and on the computer accessed by the teller. When I requested a cashier 's check I was told I could not access money from a wire transfer until the following day. Interesting, given that my spouse completes billion dollar securities deals using the same wire technology to transfer funds. Chase 's position is that they needed to hold the money for 24 hours to protect against fraud, clearly not a practice they follow with corporate clients. It looks like Chase holds personal funds while releasing corporate funds. They can " play the float '' with my money in a way they won't with corporations. How much money from personal accounts does Chase use while telling customers they are protecting against fraud? The purpose of a wire is immediate access. The funds came from a reputable source ( XXXX XXXX ). We regularly wire funds from XXXX into our Chase account. We have been Chase customers for more than a decade with significant sums of money regularly moving through the account. In short, there was a history of these types of transactions from this specific entity. I waited at the branch for an hour while the management team tried to address my issue. They called the wire offices in New York, speaking with XXXX XXXX in Retail Customer Service. They said the money would be available at the close of business ( XXXX XXXX EST ). However, as it was XXXX CST we were already beyond that deadline and the money still was not available. At this point, the money from the wire had been in the account over 5 hours. Chase caused me significant issues as I tried to complete the purchase of the car. I waited for an hour at the branch. XXXX XXXX was attentive and quite helpful while another manager, XXXX XXXX was impatient and rude, acting as if he was doing me a favor trying to help me access my own money. Overall, Chase made me suspicious. I am having a hard time trusting them with my money when they will not allow me to access it. How much money is Chase barring customers from accessing while they use the money for their own purposes.
Company Response:
State: IL
Zip: 60010
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2023 I sent a certified letter to JPMCB stated on the account as Chase. I requested that they send me information in the amount allegedly owed reporting negatively on all three credit bureaus. I wanted to make sure the amount is accurate and how they came up with the amount. Chase Bank sent me a letter dated XX/XX/2023 stating that they had all my documents and they would send them to me. Chase bank then sent me another letter on XX/XX/2023, stating that they did not have all the information I needed to complete an investigation. However, they made updates on my credit report after stating that they didnt have any information on my account. They also sent another letter without a chase letter head containing my personal information along with an account number. They are asking me for a credit report as if they dont have access to it. They are reporting to date.
Company Response:
State: MD
Zip: 21234
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Auto loan from Chase was paid in full after trading the vehicle in. Chase received the payoff amount on XX/XX/2023. The credit report from XXXX still shows account as open, as of XX/XX/XXXX. I filed a dispute with XXXX on or around XX/XX/XXXX. They verified with the lender who said the account is still open and not paid in full.
Company Response:
State: NJ
Zip: 07652
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Chase XXXX put XXXX on hold and then XXXX and then another XXXX then XXXX and I called to find out why and they said I was sued by a debt collector and I called a debt collector and they told me that the debt was from XXXX and they also told me that that was from XXXX and I dont owe them anything I dont know what they are talking about the lawyer secretary said I have to prove to them that I dont owe the debt and I told her she has to prove to me that I owe them the debt they said they was going to send something but still have not and still holding my money they said the debt was XXXX and then one time they say XXXX. I dont know what they talking about. I have the time and date of the conversations we spoke. I need some help.
Company Response:
State: NY
Zip: 10032
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A