Date Received: 2023-01-30
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: Hello I bank with Chase and I recently had my savings account of {$800.00} completely drained by a wire transfer to a Chase representative. Chase stated they would help me even while still having the funds in process by switching it to a new account - the following day they transferred them from the new account anyway and after opening a claim they denied me within 24 hours. They have the instance recorded by phone and refuse to investigate or refund me my {$800.00} due to failing to do a wire recall with their shoddy process.
Company Response:
State: CO
Zip: 80214
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have a XXXX XXXX XXXX, opened in XXXX. My wife has a Chase Freedom and XXXX XXXX. We transfer points from her account to mine to take advantage of my superior redemption rates. Chase has the following policy on points transferring : You can move your points, but only to another Chase card with Ultimate Rewards belonging to you or one member of your household. If we suspect that youve engaged in fraudulent activity related to your credit card account or Ultimate Rewards, or that youve misused Ultimate Rewards in any way ( for example by buying or selling points, moving or transferring points with or to an ineligible third party or account, or repeatedly opening or otherwise maintaining credit card accounts for the sole purpose of generating rewards or manufacturing spend, repeatedly opening or otherwise maintaining credit card accounts for the sole purpose of generating rewards ) we may temporarily prohibit you from earning points or using points youve already earned. If we believe youve engaged in any of these acts, well close your credit card account. In XX/XX/XXXX, we tried to transfer points from my wifes account to mine. My account was no longer an option on her screen. We also could not find a place to re-add me as a member of her household. We searched the issue online and found that others shared the issue, but that calling customer service usually resolved the issue : https : //thepointsguy.com/news/combine-ultimate-rewards-points-changes/ Customer service told us that they could not add me to her household because somebody else was already connected to my account. Chase described this relationship as one-way : this unknown person could send points to me, but my account was not set up to send points to them. Chase told me they could not tell me the identity of this person. I listed off members of our families, though we had no memory of being part of anyones household. No names matched. I asked if they could just sever this tie ; I no longer wanted them associated with my account. Chase said they were unable to do so. I escalated the issue, and was told that someone would review the situation and mail me a letter. This pattern occurred 5 times since XXXX. I have searched the bowels of Chases website, my transaction history, and my emails. Ive called and explained the issue multiple times. Each time, the call was escalated to a manager, the manager said there was nothing they could do but they could put in a request to review the account. Each time, I received a letter saying that my wife should add me as a member of her household on her account she could not, which was the original reason I called. I now have a stack of letters. I've attached the most recent one. Today, after receiving yet another letter, I called Chase again. After being transferred to an escalation agent, I explained our issue. She said that the only way to resolve the situation was to have the person who was connected to my account remove themselves from my account. I said I knew of nobody other than my wife who ever was connected to my account, and that I did not want anyone else to be connected to my account. It is not a joint account ; nobody should be able to control how it works. She said she was unable to help. I asked what would happen if I discovered who was connected to my account and asked them to remove themselves, but they refused to do so. She said there was nothing Chase could do. I was alarmed. In short, Chase is telling me : -There is a connection between another persons Chase account and my individual account. -Under this connection, this other person can send me rewards points. But I cant send points to them. -Chase cant provide any details about who this person is, when the connection was set up, or when it was ever used. I havent been able to find any details in any documents from Chase that I possess. -I dont have the option to remove this connection to my account. That right is reserved solely for the other person. -I am unable to add my wife to my account because this other person is connected to my account. This troubles me. Points aside, I should have control over my account. If I want to remove some sort of previous connection, I should be able to. I should be able to know who this person is.
Company Response:
State: MI
Zip: 48067
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: Chase bank helped me open a claim for a wire transfer in the amount of {$200000.00} usd that was NOT authorized by me. I had purchased a new phone at the time of the incident and have reason to believe my information was compromised when switching my XXXX account. The wire was sent to a similar routing number to that of a bank I used for my personal brokerage account- however the account number was not mine. I checked my account history with the brokerage firm and was never credited for the wire dated XX/XX/XXXX which further proved it was fraudulent. I contacted the bank directly and was advised to get a wire recall through Chase. I attempted to do so and it was denied as the bank had gone XXXXXXXX. I opened a fraud claim through Chase on XX/XX/XXXX. They asked me to fill out a fraud packet which I was assured would be overnighted. They also let me know that within ten days of filling out the fraud packet, I would receive a provisional credit if the claim was not denied. By Friday XX/XX/XXXX, I had not seen the packet. I called in and was asked if the claim was for $ XXXX I said no and gave them the claim number and amount. It took them more than XXXX minutes to find the correct claim and they let me know that they could not look up my claim using the claim number- only the account number. Once they found my claim, I was told that the packet should come within XXXX days. I called back Sunday XX/XX/XXXX to ask again where the packet was. Again, they suggested the claim was for {$9000.00} usd. Once they found my claim I was then told that it can take XXXX business days and they are unable to overnight the packet. I called Monday and was told by another rep that it can take XXXX days. I asked to speak to a supervisor regarding this and he was able to fax the packet to my local branch. I went in at about XXXX pm that same day and filled out the packet. The branch XXXX faxed it to corporate for me. I called XXXX days after filling out the packet and was told the claim was under review. I called again on XX/XX/XXXX after receiving a latter dated XX/XX/XXXX stating that the claim was denied because I had initiated the transfer. I asked them to check their notes- they had asked me if I made a {$180000.00} usd transfer on XXXX XXXX which I had. They had mistakenly marked the XX/XX/XXXX transfer for {$200000.00} as being initiated by me, instead of the {$180000.00}. I offered to provide them the emails between the brokerage account and I, as well as a signed Afidvit and proof from XXXX that my phone had been changed on the dates of the wire. They have been utterly unhelpful and have blatantly used negligence when checking my claim. They have no clear system for looking up claims, poor note taking, and did not even accept the evidence I offered. How can you deny a claim without even discussing with the customer? That money was to buy my home!
Company Response:
State: MI
Zip: 494XX
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I applied for the XXXX XXXX as I am a sole proprietor in need due to XXXX. I am eligible for the XXXX XXXX, and was approved by the XXXX for a loan of {$8000.00}. These funds were disbursed to my Chase bank account. Chase however told me that I have to show proof of my business, and I told them that XXXX already approved me as I had already proved this with copies of my federal taxes which includes my Schedule C. Chase did not believe that I am a sole proprietor and did not give me the money. Chase closed my account and said that they will send the money back to the treasury. However, I just checked my XXXX loan and I have to pay this money back. I called XXXX and was told according to their system, the money was not returned. When I went to Chase to ask for proof of that they sent the money back they did not give me proof.
Company Response:
State: NY
Zip: 10467
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I friended XXXX XXXX on XXXX. I now believe that this is a fake profile. We began messaging and a few days later was told about investing in XXXX, that it had a high percentage of return. I started off by wire transferring {$2000.00} from my bank into XXXX. Through messaging this person walked me through how to transfer the money from XXXX to XXXX wallet and purchase XXXX or XXXX, and then deposit that money into a site called XXXX XXXX. I now know that XXXX XXXX is a scam website, at first it originated from openrarit.com and now XXXX XXXX XXXX. At first I was able to withdraw some money from the account. On XX/XX/23 I was offered {$50000.00} by the site to put into my account for 10 days to help make more money and a higher percentage of return. The site messaged me and said the {$50000.00} must be paid back in 10 days or my account would be suspended, that the money could not be taken back from the account. On XX/XX/23 I wire transferred {$52000.00} from my bank branch at Chase with a teller. The site messaged me and let me know they had received the deposit. I then tried to withdraw the money back out and was told that my account exceeded {$80000.00} and that I would need to deposit {$30000.00} to open a vip withdrawal channel to be able to withdraw funds. On XX/XX/23 I wire transferred {$32000.00} from my bank branch at Chase with a teller. I was then messaged from the site and was told in response to the US tax authorities I would need to pay {$22000.00}. This is when I was absolutely sure this was a scam. I have screenshots on my phone of the process of the money being wire transferred to XXXX then to XXXX wallet and then to makersplace pro. I also believe Chase Bank should have questioned me or warned me about doing a wire transfer for such large amounts of money but they never said anything to me. I have made a report of this to Chase Bank, the FTC, the FBI and the XXXX XXXX police office. I still have an open line of communication with the person the scammed me, their profile is still on XXXX
Company Response:
State: AZ
Zip: 85086
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Hello, you're currently violating my rights under the law. The IRS describes a charge off as gross or ordinary income and you're currently reporting charge off on my credit. Now tell me how's this reporting as debt? This is not accurate of fair information that you're reporting on my credit. Here 's one violation, 15 USC 1681 talks about accuracy and fairness of reporting. Second violation, 15 USC 6801 protects my information of non public personal information and also violation of 15 USC 6802 obligation to respect of disclosure and you did not provide me this information. You also, never sent me a 1099 cancellation of debt form. You have violated me. I need this charge off be deleted. I demand that this charge off be deleted from my credit.
Company Response:
State: NC
Zip: 27516
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
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: Dear Consumer Financial Protection Bureau ( CFPB ) : I am writing and submitting a complaint to request your help in the unfair treatment and breach of due diligence on behalf of Chase Bank ; and for not providing a recourse mechanism to address Chase Banks faults. I have detailed all the dispute facts in the Dispute History section and included documentation in the Annex section ( documents attached ). I am presenting XXXX complaints against Chase Bank : XXXX. Not taking responsibility for their delayed response regarding claim dispute XXXX. A lack of due diligence and misstating the facts. XXXX. Not providing a recourse mechanism for their faults and not informing me of my right to contact the Consumer Financial Protection Bureau. XXXX. Expecting a client to pay for their delayed action versus Chase Bank taking responsibility. I am seeking the following resolution : XXXX. Remove the charge of {$110.00} and provide an apology for wasting my time. XXXX. Take responsibility for their delayed investigation and lack of due diligence. XXXX. Set up a recourse mechanism to handle Chase Banks faults, including lack of appropriate action. Thank you in advance for your assistance ; I am very grateful for your services and the solution you can provide to hold Chase Bank accountable. ... .... On XX/XX/XXXX I ordered and paid in full for a tailored traditional XXXX shirt in the XXXX of XXXX, XXXX. I made the payment with my Chase credit card for a total of {$110.00}. The agreement is that the person the shirt would be made for would send their measurements and then have final adjustments and pick up the shirt in a couple weeks time. A couple of weeks later the tailor had not been in touch and it was impossible to get in touch with the tailor because all of his means of communication were not working. On XX/XX/XXXX, I proceeded to call Chase Bank ( hereinafter Chase ) customer service to report a fraudulent charge because I had not received the promised tailored shirt and was unable to get in touch with the merchant. Chase response was to cancel the charge and look into the matter. The charge was registered on my XX/XX/XXXX Chase statement ( see Annex XXXX ). *See also XXXX XXXX, email to merchant XXXX XXXX regarding the missing tailored shirt. Subsequently the tailor, XXXX XXXX, who represents merchant XXXX XXXX was able to get in touch with me to inquire why he had not been paid. I explained he never followed up and it had been impossible to get in touch, thus I had canceled the charge made to my credit card. He apologized and agreed no further transaction would be made. I assumed the issue was concluded. However, on XX/XX/XXXX, I reviewed my XX/XX/XXXX Chase statement ( see Annex XXXX ) and to my surprise was being charged {$110.00} for the tailored shirt I never received and which was confirmed by the tailor. I reviewed my online account because I had not been mailed a notification, and saw that there was a Chase letter dated XX/XX/XXXX ( see Annex XXXX ) informing me that I needed to make a payment for {$110.00} because they had deemed the disputed charge valid. The content of the XX/XX/XXXX, letter included the following text ( see attached document ). However, the statements made by Chase in the XX/XX/XXXX letter were false. First, Chase never contacted the merchant, whom I subsequently spoke to on XX/XX/XXXX confirming this matter. Instead, they contacted XXXX XXXX, a digital and commerce platform, who knew nothing of the matter. Second, as previously explained I never received the merchandise and the tailor did not make this product available to me for pickup, he did not even produce it. This is proven in the same letter that includes an image of my signature and of making the payment. Nowhere does it say that I received the payment or that the item was available for pickup at a specified later date. Furthermore, Chase superseded the allowed XXXX billing cycles to finish looking into the dispute. I should have received a notification in the XX/XX/XXXX statement. As briefly mentioned, on XX/XX/XXXX after receiving news that I was being charged for a product I never received I called the merchant via the phone number he had used to previously contact me. I explained what had happened and asked if he had received payment for the tailored shirt. The merchant confirmed he had not heard from XXXX XXXX and had received no payment. Immediately on XX/XX/XXXX I called Chase to resolve the matter. Customer service informed me they could not help me via phone and that it was necessary that I submit a letter to dispute the claim. I wrote and uploaded an appeal the letter to Chase on XX/XX/XXXX ( see Annex XXXX ). I stated in the appeal letter that the merchant acknowledged that he did not complete the order and that Chase could confirm this fact with him. Chase acknowledged receipt of my letter via an electronic letter on XX/XX/XXXX ( see Annex XXXX ). On XX/XX/XXXX, I was able to get in touch with the merchant again, the merchant sent me a written statement confirming he has not received payment for the tailored shirt and that he never made a delivery to me ( see name in Annex ) of a tailored shirt ( see Annex XXXX ). I uploaded the letter the same day with the necessary claim information regarding the dispute at hand. Nevertheless, despite a written statement from the merchant himself on XX/XX/XXXX and my confirmation in the XX/XX/XXXX letter Chase responded on XX/XX/XXXX ( see Annex XXXX ) confirming the transaction as valid, that no billing error had occurred, and I was obligated to pay {$110.00} for a product I never received. **It is important to note that Chase did not provide this letter electronically only via mail and that I received this letter on XX/XX/XXXX. On XX/XX/XXXX, when I received the letter, I immediately called the number provided in the letter ( XXXX ). I was assisted by a female representative who did not provide me with her name. The representative reviewed the paperwork and confirmed that although I did not receive the product, confirmed by the merchant, and despite the merchant receiving no money, that it was no longer relevant because too much time had passed and thus, I could not be reimbursed. I pointed out that a lengthy period of time had passed due to Chases delay. However, she said Chase would take no responsibility for their delay and that my only choice was to contact XXXX XXXX. I asked about a further appeal and she said there was no recourse mechanism to further appeal and that I had to just pay the money. Concerning the representatives suggestion to contact XXXX XXXX is irrational. I did not conduct business with XXXX XXXX it was with XXXX XXXX and I do not even have their contact information.
Company Response:
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2023 I went to the chase bank branch located at XXXX XXXX XXXX XXXX in XXXX, XXXX XXXXXXXX to deposit {$1100.00} into my checking account using the atm. I inserted the money into the depositing part of the atm when the slot began to open and close multiple times before closing and then not even counting the money I deposited. I then got an error message on the screen and and a receipt printed. I checked my account via my app and the {$1100.00} was never deposited. I brought in the receipt slip into the branch where the banker said she had to open a claim and I would have my deposit in exactly 2 hours. This process took 20 minutes and it is has now been 4 hours I still don't have my money. I called customer service and they said it could take 2 days so I requested to speak with manager due to receiving incorrect information who then was very rude and said it could take 10 days to get back and she said " I couldn't do anything about it because federal law is on chase ' side. '' This has never happened to me in my entire life and I want others to be aware of how Chase has treated me throughout this. They never once said sorry and I still don't have my money, it's being held and not returned to me. This feels criminal on Chase banks end.
Company Response:
State: IL
Zip: 60638
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Chase Mortgage committed a UDAAP violation by refusing ( in a phone call on XXXX ) to provide details relating to the sources, data, & formulas used in calculating an alleged escrow shortage in the amount of {$11000.00}, which effectively doubles my total monthly payment ( from {$1800.00} to {$3600.00} ). A dramatic increase in monthly tax payments ( from {$95.00} to {$830.00} ) could indicate that Chase Mortgage failed to perform due diligence when purchasing this loan, and/or Chase Mortgage chose to notify me of this situation only after mortgage rates had spiked in order to prevent me from refinancing. This could be considered a second UDAAP violation.
Company Response:
State: TX
Zip: 75189
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was purchasing electric car chargers from a person on a XXXX group. I used XXXX at my Chase bank to transfer money. I have not received shipping information nor do I expect to at this point. How can Chase be allowed to promote a service where there is no recourse for getting scammed? If I use a debit card I can get recourse. If I use a credit card I can get recourse. How is this different?
Company Response:
State: WA
Zip: 98801
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A