Date Received: 2023-02-01
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: My business " XXXX XXXX XXXX XXXX '' has had a checking account with Chase for 16 years. They illegally changed policies that I didnt agree to when I signed up for the account and now charge my checking account {$15.00} per month to keep the account. This is not legal as I never agreed to these terms.
Company Response:
State: NY
Zip: 11746
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: JPMCB Card is reporting an inaccurate charged off account on my credit reports that I am not familiar with. I have contacted them directly including the credit bureaus concerning this account requesting documents pertaining this account and have not received any sufficient proof proving that this is my account or that this debt belongs to me. JPMCB Card sent me back statements concerning this account in response to my letter requesting validation of debt which does not prove that this account is mine or belongs to me. A statement is not proof of debt. I have not received any documents with contract legally binding me to this debt. Furthermore, isn't JPMCB Card the creditor that the credit bureaus reach out to confirm or validate the debt? XXXX deleted this account from my reports so according to them, there isn't valid proof this account is mine. If XXXX could not validate this debt how is JPMCB Card able to validate this account? I am demanding that this account is deleted from my reports.
Company Response:
State: TX
Zip: 77396
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited cash {$3800.00} into ATM on XX/XX/23 XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX CA There was an error on ATM when I deposited the money. It shown there was a bill couldnt read. I waited for a while to get the unreadable bills but it didnt return to me!!. Then the ATM printed out the receipt without any money go through to my account. The receipt shows me the phone number to making a call to customer service. So I just reported to the bank. The agent said money could get back XXXX business days. So I wait until I got only {$3000.00} on the next Monday in the afternoon I called to contact the agent again. The agent said that this is the credit money if I deposit more than that after investing Ill get the money fully. Its going to take XXXX weeks she said the period how they work. So I wait until.. Today XX/XX/23 Its been a while I call to check the bank again. The agent said the claim is already closed nothing I can do. This is my finalized amount. I asked him to check the case again. The investigation should see the amount that I deposited on that time. ( ATM can check the cash flow during that period ) I lost {$860.00} without any reason from the agent he said sorry the claim is closed and can not reopen it. He kept sorry and sorry. I feel very disappointed how the Chase working on with an ATM error.
Company Response:
State: CA
Zip: 94110
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I was recently reviewing statements for my XXXX XXXX credit card that I have through Chase and identified a concerning trend in which they have been overcharging me interest on purchases made on my credit card in the months following promotional balance transfers. Here is a timeline and explanation of what has occurred : I made promotional balance transfers in XX/XX/XXXX and XX/XX/XXXX for {$8000.00} and {$15000.00}, respectively. There were {$400.00} and {$600.00} fees associated with those transfers. Subsequent to those transfers, in the months between XX/XX/XXXX and XX/XX/XXXX, I have been charged interest on balances that do not appear to correspond to the actual purchases I have made that are not subject to the promotional interest rates. As an example, in XX/XX/XXXX I paid off my previous balance in full and incurred new charges of {$570.00} and fees of {$400.00} ( associated with the promotional balance transfer of {$8000.00} ). This corresponded to a new balance of {$8900.00}, of which {$970.00} would have been subject to interest in XX/XX/XXXX if not paid off before the statement closing date. In XXXX, I made purchases of {$2400.00} and had statement credits and made payments totaling {$500.00} before the close of the statement. The {$2400.00} purchases should not have been due until the close date for the next statement. Therefore, only {$470.00} in purchases should have been subject to interest in XX/XX/XXXX. However, Chase reported {$1700.00} as subject to interest for the next statement. In that month, it seems that Chase either charged me interest on : ( 1 ) a balance that I had already paid off, ( 2 ) a balance that was not actually due yet, ( 3 ) a promotional balance that should have had 0 % interest until XX/XX/XXXX, or ( XXXX ) a made up balance. This same issue has happened in nearly every month between XX/XX/XXXX and XX/XX/XXXX with an average of {$1500.00} excess balance that I was charged interest on. Furthermore, in XX/XX/XXXX, I attempted to pay off most the entire balance that Chase reported as subject to interest in my previous statement ( {$2500.00} ; reported in the XX/XX/XXXX statement ), as well as all purchases that I had made in XXXX ( {$1700.00} ), for a total payments and credits of {$4100.00}. This value was only ~ {$250.00} less than those combined balances. In the next statement, I was still charged interest on {$2100.00}. I can think of no conceivable explanation based on the information that Chase provides me in my statements other than that they have been charging me interest on promotional balances that should not be accruing interest. Additionally, Chase 's credit card statements appear to be purposefully designed for maximum confusion. I still have not figured out how to determine the amount of money that would be subject to interest in a subsequent statement period using the statements provided to me by Chase. My earnest attempt in XX/XX/XXXX to avoid getting charged interest was completely unsuccessful. I will attach my credit card statements from Chase for the period of time discussed above, as well as a summary table that shows the previous balances, payments and credits, purchases, balance transfers, interest assessed, fees, and new balances from each month ( XXXX XXXX XX/XX/XXXX ). I have included in the table the balance that Chase reported as being subject to the standard interest rate for purchases. Based on the values in my statements, I've tried to calculate the actual balances that should have been subject to interest based on the purchases and payments made in each statement. I've also calculated the interest I should have been charged based on those calculated balances and the amount that Chase overcharged me. For example, in XX/XX/XXXX, I calculated the amount of interest that should have been charged on the {$470.00} balance at {$8.00} ( in the column titled " XXXX XXXX '' ) and the overcharged interest at {$22.00}. In subsequent months, I've subtracted the overcharge from the previous month from the actual balance ( see column " Actual Balance Minus Interest Overcharge '' ) to try to account for the additional compounding from overcharged interest over time. Between XX/XX/XXXX and XX/XX/XXXX, I have calculated that Chase overcharged me a total of approximately {$460.00} in interest. I am deeply disturbed that this would happen and was not caught by anyone at Chase working on my account. I contacted Chase on XX/XX/XXXX to try to resolve this issue or have them explain to me how I was incorrect in my calculations. I requested that the provide me with documentation showing how and why the balances subject to interest were assessed. They responded later in the day on XX/XX/XXXX with a relatively generic message that neither addressed my questions nor provided me with any information that I could use to understand or resolve the issue I encountered. They offered to provide me with the terms of the promotional balance transfers, but I did not take them up on that offer. These documents are long confusing diatribes full of legalese and jargon that seem to be specifically designed to confuse customers so that they will inadvertently incur unnecessary fees and interest when merely trying to optimize their finances. Based on the unhelpful initial response from Chase, I am doubtful that any further correspondence with them from me on my own would yield an appropriate response.
Company Response:
State: CA
Zip: 94611
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am a Chase Bank XXXX XXXX living to XXXX XXXX, XXXX. Starting from XX/XX/XXXX to XX/XX/XXXX, I was scammed and lost approx {$280000.00} from my Chase checking, saving, and brokerage account. I received a XXXX email asking me to contact them. Scammers claimed my Chase saving account was compromised and forwarded my call to Chase Fraud department who claimed to help me in the back end. They asked me to go to various Chase branches to withdraw cash ( 11 transactions ) and to make one account to account transfer. The cash was deposited into several local XXXX machines. There was a single account to account transfer of {$80000.00} that I was made on XX/XX/XXXX at Chase XXXX CA branch. The recipient account was a valid Chase business account. I was instructed to make that transfer from my Chase saving account. On XXXX, XX/XX/XXXX, I realized I was scammed and reported to Chase branch in XXXX, and XXXX XXXX XXXX Police ( Case XXXX ) and notified Chase. As of XX/XX/XXXX, Chase Fraud department called me once and said their final decision was it was NOT a fraud, therefore, they would not take actions to help me get the {$80000.00} back. Even though Chase knows this business account was now involved/used for scam activities, they were not offering help or assisting police to help me. I also reported to Chase that during the 12 withdraws I made at branches, many times I was speaking to the scammers on the phone, or was instructed to make multiple withdraws in a short period of time and repeated withdraws in the same visit, but not a single cashier asked me or inquired more about my unusual behaviors, which was a major violation and sign of Chase 's failure to protect their customers like me.
Company Response:
State: CA
Zip: 95051
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: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Chase literally just closed my account after I was robbed by XXXX XXXX I reported it and then instead of giving the money back to me chase kept it and closed my account. My taxes over XXXX XXXX dollars is about to go into that account and they have closed it and said they will hold onto my money as long as they want. They literally just told me in the Phone they will hold onto my money as long as they want despite me being the victim of robbery. They did not help me one bit and all they wanted to do from the start is steal my money.
Company Response:
State: CA
Zip: 94954
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: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Following up on complaint : XXXX The response received was nearly word for word a copy/paste of the canned response I was sent when contacting Chase directly, and did not explain how I my card did not qualify for the advertised offer. Using the internet, I was able to obtain screenshot proof that the offer was being promoted for the card I applied for on the day I applied for it : XXXX XXXX XXXX XXXX XXXX This has not been addressed by Chase and I would like them to comment on it specifically instead of continuing to ignore it and simply state that their 'offers change '.
Company Response:
State: MA
Zip: 021XX
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: On XX/XX/XXXX Me and my wife went to Chase Bank to deposit {$20000.00} however we were told there was only {$18000.00}. We then complained to the manager for which he was supposed to call back to fix the problem which he Never did. And on XX/XX/XXXX the same incident occured again, me and my wife went to the same Chase bank to Deposit {$5000.00} but we were told only {$4500.00} was counted. I was very frustrated and angry.
Company Response:
State: NY
Zip: 10457
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: Okay so XXXX 's XXXXXXXX XXXX down here in Florida I'm located on XXXX XXXX XXXX hired me to detail a couple of cars he had on his lot and so he paid me by check and he made the check out to XXXX XXXX which is a business that I have been starting up and I have been waiting to get the LLC and all of that set up but there's has been complications in doing that which is delayed that process so I went to my bank to deposit the check into my personal account because I don't have a business account with them yet and even though the check has cleared through the other bank and has fully deposited into my account without any interruption or cancellation of the check my bank has Chase Bank is my bank Chase has frozen my account Frozen my debit card and is now indefinitely holding that money and I have made contact with them twice to try and resolve this matter and they want me to show legal documentation from an attorney that states that I own that business at which point I told them that I do not have that as as of yet and it is now going to be impossible for me to acquire that because I found out as of XX/XX/31st 2023 somebody else has already filed for the business name of XXXX XXXX so therefore I can not provide the documentation that they are wanting due to the fact somebody else has already filed and founded a detailing business under that name while I was in the process of filing mine so for the same name so they beat me to it and so I have relayed this to Chase Bank and they have refused to return the money to the account of XXXX 's XXXX XXXX they've refused to send the money back to his bank they've refused to release the money an unfreeze my account and my debit card despite the fact that I will not be able to provide them that documentation due to the fact somebody else as I said has beaten me to filing for the LLC for the name XXXX XXXX and so I asked him I said well if I do found a business and I does have XXXX XXXX in the name you know would that work to resolve this issue at which point they told me it has to match word for word what is on the check which is impossible because as I said somebody else beat me too filing for that exact name so there not going to send the money back to XXXX XXXX XXXX which I know the owner of XXXX 's XXXX XXXX XXXX on a semi personal level okay I'm even worked for him helping him out while he was struggling with two of his people being out of work temporarily one was on vacation the other one was on medical leave so I've worked with him I've done work for him detailing work and I know him on a XXXX semi semi personal level but no matter what I try to do to resolve this they refuse to cooperate in any kind of way or compromise in any kind of way they won't even you know cuz I asked them I said well what if I never provide that documentation then what happens at which point they're representative told me that they would hold on to the money indefinitely which they can't do they they're not allowed to do that because one if they suspect it's a fraudulent check then they should be reporting it to the proper authorities at which point it's going to get thrown out immediately because I know the business owner and he did mean to write me that track he just forgot to put my legal name on the track and next to my well what was going to be my business name and two my income tax return from the IRS is being direct deposited into the account that is frozen and because it's frozen I won't have access to my IRS income tax refund either at which point that becomes theft by swindle I have done everything in my power to try and resolve the situation with Chase Bank but they refused to cooperate or budge in any kind of way and are waiting on paperwork for a business that I can now no longer claim thus the paperwork is never coming and I've asked them to send that money back to XXXX XXXX XXXX I don't want the money not if it's going to cause a problem at which they refuse to do that until I provide them documentation that is no longer legally eligible for me to acquire to give to them and to make matters worse they have threatened to Red Flag me in the back system which I'm assuming is the system that communicates to all banks Nationwide also due to the fact that they have Frozen that account I was unable to make any of my credit card payments this month well the month for the month of XXXX so now my credit card payments are late which has adversely affected my credit and I have credit card companies calling me wanting their money cuz like one of my credit cards is through XXXX another one is through XXXX Bank and they've called me informing me that my payment is late and I can't give them their money now because my accounts Frozen
Company Response:
State: FL
Zip: 32907
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: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Around XXXX of 2021, I was the victim of a scam and I had a checking and savings account at Chase bank but after I realized I was scammed, I lost my money and chase did not help me recover my funds and closed my account. They only sent me my checking account funds and have yet to send a check for my savings account funds and its been months. Ive gone in person to a chase branch but they did not help, I called the representatives on the phone to help and also they could not help me, I called their asset recovery team and they dont pick up the phone. I am a college student that needs to pay tuition fees and other daily expenses. I need some assistance with the release of my funds at chase bank.
Company Response:
State: CA
Zip: 91780
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A