Date Received: 2023-01-28
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I deposited my California state XXXX XXXX on XX/XX/23. Chase put a 7 day hold. XXXX gave me a printout showing the checks were cashed, but they have my accounts restricted as fraud because they cant contact anyone at the state number to verify. The state gave them the money and they will not release it to me. The number now is irrelevant, they have the funds and they need to give them to me. Im beyond exhausted dealing with this.
Company Response:
State: CA
Zip: 92376
Submitted Via: Web
Date Sent: 2023-01-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-28
Issue: Other transaction problem
Subissue:
Consumer Complaint: Family of XXXX ( wife and husband along with XXXX kids who are twins, aged XXXX XXXX XXXX Wife enrolled the XXXX kids for preschool in XX/XX/2022 for a first day on XX/XX/2022. Tuition is {$2600.00} per kid, per month. All of the enrollment process was conducted via email, with the XXXX XXXX director, using her personal XXXX email account. As part of the enrollment process, the school requested funds for 1. {$2100.00} for a deposit and 2. {$2600.00} for the first months tuition For a total of {$4700.00} per child ( therefore {$9400.00} total for XXXX kids ) This funding was to be made before the first day of class. Wife was advised to send payments via XXXX to 2 email addresses : XXXX name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In total, XXXX XXXX payments were sent on XX/XX/2022, XX/XX/2022 and XX/XX/2022. Wife initiated the XXXX payments online through the advice received via email. Following the first day of school ( XX/XX/XXXX ), the XXXX director asked us via text message whether we had make the payments and we told her we had complied with her request via email. This was how we discovered that the XXXX funds were misdirected, and therefore fraudulent. Not known to any of us ( Wife, Husband or the XXXX director ) was that the XXXX director 's XXXX email account was compromised with a man-in-the-middle, and was being controlled by someone else. See screenshots of the email conversation from both the perspective of Wife and the XXXX director. The email thread has been doctored by an unknown 3rd party. Wife then emailed XXXX and XXXX to ask that they return the funds sent to them via XXXX. There has been no response. Wife called her bank ( JP Morgan Chase ) on XX/XX/2022 to see if the XXXX payments could be reversed. The bank said XXXX transactions are not reversible. Wife again called JP Morgan Chase on XX/XX/2022 to ask if there was a report or complaint that could be filed and the bank told her no, as the transactions were authorized. In addition, from the banks perspective, no fraud has taken place as the XXXX XXXX transactions were all initiated by Wife. Attachments * XXXX XXXX payments totaling {$14000.00} from XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/2022 * Email correspondence from Wife 's email account * Pictures of email correspondence side by side from 2 perspectives. On the left is the XXXX directors mobile phone. On the right is Wife 's mobile phone. The messages that the XXXX director sees are modified from those that Wife has received and replied to
Company Response:
State: CA
Zip: 941XX
Submitted Via: Web
Date Sent: 2023-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I was a little low on my Checking account for the monthly service fee and the bank took the service fee and made my account in overdraft status. I went in and the teller informed that the fee is paid regardless if you are elderly or not. I couldn't believe what I was told so I put money that I didn't have in the account to bring it current because the overdraft fees can become very costly and you can be put into XXXX XXXX for an overdraft account. This is terrible because these bankers make money off of these accounts without people even knowing it. They get insurance and make money every month for you staying alive. There are many deceitful ways that the bank makes money off of the people. when you make a deposit they make it seem as if they are making a deposit in their accounts.as well and call you an authorized user but you open the accounts and all these banks need is your signature and they can go to the Treasury and get deposits for them to do whatever they want to.
Company Response:
State: GA
Zip: 30012
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I got a paycheck ( {$1800.00} ) and went to deposit it at the Chase ATM on XX/XX/23. I got an error message saying the check couldnt be processed, but the ATM never returned my check, nor did I receive a receipt. I went to inside the branch to speak to the teller to grab my check from the machine, but apparently they dont have the clearance to just open the ATM machine. They gave me a customer support number to call to file a claim. I called customer support I gave them all the information and they told me to wait 2 weeks for them to investigate. I had told my employer about the situation and they tell me the check has already been cleared and funds debited from their account, and deducted from their account. I even faxed a screenshot of the transaction from my employers side XXXX XXXX XXXX XXXX ), that the funds had been taken from their account, even though according to my employer XXXX says the check is pending transaction. Fast forward 2 weeks, I call customer support and they tell me the check is not found, so they cant return my funds. Someone on the Chase side processed my check and has my money hostage. They closed my case and said there is nothing they can do to help me. I went into the Chase branch today to follow up. The representative mentioned that they are going to escalate the matter to another department. The did not mention how long the process would take. My employer also filed a claim on the XXXX side. XXXX said they will investigate, but the process could take up to 90 days. I cant sit around 90 days to potentially be told the same thing today and not have my funds reflected on my account.
Company Response:
State: CA
Zip: 95116
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Unable to get your credit report or credit score
Subissue: Problem getting your free annual credit report
Consumer Complaint: I try to check my recent credit activity but can not check through the online.
Company Response:
State: GA
Zip: 30093
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have had a safety deposit box with Chase bank located on XXXX XXXX XXXX XXXX, XXXXXXXX XXXX since XXXX of XXXX. I went to this branch on XX/XX/XXXX at noon time to access my safety deposit box. After the bank representative verified my identity, we went into the vault, using the branch key and my key together to unlock the door only to find that the entire metal box inside is missing. Im not referring to just the content of the box, the whole box is gone and its just an empty space behind the locks. The representative immediately escalated this situation to her supervisor, and the supervisor took us back into the vault and repeated the same steps to confirm. She also confirmed that the entirety of my deposit box is missing. The bank quickly verified that the last time I had accessed my safety deposit box was back in XXXX of XXXX, which matched their records. Their record also showed that no one else had accessed the box, and the only other notes were for routine maintenance or audits. I am absolutely certain that my box along with all of its content were securely locked away during my last visit. Also, I have never lost my keys. The bank had asked for an itemized list of what was stored in my safety box on XX/XX/XXXX, and I have provided the list to the bank on XX/XX/XXXX via email. No further updates from the bank. A police report has been filed with the XXXX Police Department. This level of negligence in the situation is unheard of. How many other boxes are missing? Please help!
Company Response:
State: CA
Zip: 91104
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: The company involved was Chase Bank they overcharged me a overdraft over and over again if I make a withdrawal then they'll make another withdrawal I would transfer money into another account they would take it back out of the account they have me in the link was with several casinos when I've had the money in my account I sent the casinos proof that I had the money in my account but Chase Bank wouldn't cooperate with me I they seen on my account that I had the money in there but even when I went to get groceries I've had to pay a grocery store back and then turn around and pay Chase Bank back just as well they would take my money from whichever company I would pay and then I'd have to turn around and pay the company and pay Chase Bank just as well and I can't get them to resolve it at all and I'm tired of dealing with them so can you please help me
Company Response:
State: MI
Zip: 484XX
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I received my Chase debit card and I was trying to activate it. When activating it their system asked for my pin number. Because the account was not activated I do not have a pin number. Therefore I could not activate it. I called Chase customer service and stated the situation. The customer service transferred me to a system that requires my pin number which was not helpful at all. I then tried to activate it online on chase.com, only to be told my card was already activated. So my debit card is activated without my permission and have a pin number I do not even know/ did not even set up.
Company Response:
State: MI
Zip: 488XX
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
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: Chase Bank Reference Number : XXXX : Violations of Truth in Lending Act, Regulation Z Error Resolution for Cards Letter to Chase Bank The Truth in Lending Act, as implemented by Regulation Z, limits consumer liability for unauthorized use of credit cards. 12 CFR Part 1026.12 ( b ) ( 1 ) defines unauthorized use as the use of a credit card by a person, other than the cardholder, who does not have actual, implied, or apparent authority from which the cardholder receives no benefit. Chase Bank currently has a billing error, stemming from unauthorized use, that was reapplied to my account on XXXX without any prior notice to me and is reflected on my current statement. 12 CFR Part 1026.13 ( 3 ) defines a billing error as a reflection on a periodic statement of an extension of financial credit for property or services not accepted by the consumer for consumers designee. Chase Bank is not in compliance with the law since a financial institution can not deny a consumers claim of an error without conducting a reasonable investigation and since no benefit was received from this unauthorized transaction. Chase Bank reapplied on XXXX a previously reported fraud charge from XXXX without conducting a reasonable investigation. Our rights under provisions of Regulation Z were violated. Furthermore, Chase Banks Fraud Department closed the investigation on XXXX in spite of the fact that we had repeated calls with agents and provided them with additional information along with the police report number and contact information for the officers who took our statements. As such we request that you provide an immediate provisional credit of {$2300.00}. I would like to request a timely resolution of this error by Chase Bank. The Chase Fraud department re-opened the on XXXX after another agent closed it earlier that day. I was told that the investigation would take 4 business days from XXXX. Per Chase banks request, on XXXX a copy of the police report was provided to Chase Bank, which was received from the police department on that same day. On XXXX per another Chase Fraud representative, I was asked for a copy of the new drivers license associated with the theft. As the police report clearly states, credit cards, cash, and an iphone were stolen, not the wallet which included the driver 's license. I was then told by Chase that it would 4 business days to resolve. However, now the Chase Fraud department investigation appears to have been superseded by the Chase Executive office with a new pending investigation, with more delays, partially attributable to delays in obtaining material from the Chase Fraud department. Since, I have been informed it can take a couple of weeks to resolve, I would like to request an immediate credit for the {$2300.00} charge at XXXX XXXX. I also have previously asked Chase and would like to ask again for a more detailed description on how I benefited from this transaction from a charge stemming from a vehicle break in and theft from a charge by an unauthorized user. Please let me know by the end of today whether you can assist with my two requests. Since the complaint previously filed with the CFPB does not allow amendments for new material, such as the police report, I may need to file a second complaint so that the bank regulators have all the pertinent information. Regards, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Company Response:
State: PA
Zip: 193XX
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: this is the Second time that I received a 1099-A for the illegal foreclosure sale on my home this second sale in 2021 auction, that JP Morgan Chase Bank , NA sent me see attached and at the Top it states that a copy of this illegal sale was furnished to the IRS. I just received from the IRS proof that Chase did NOT give the IRS a copy of this sale. I am asking the CFPB to have Chase rescind this illegal foreclosure sale. See attached the IRS transcript and the 1099-A stating at the top that a copy was furnished to the IRS when in fact it was NOT.
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A