Date Received: 2023-01-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check for {$1000.00} On XX/XX/2023 Chase Bank thought that this was suspicious activity and put a hold on my check until the XXXX which they said would clear and my account would be unrestricted however after the check cleared in my account for {$1000.00} they came up with a new issue and said they needed to verify the check with the issuing bank bank XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX confirmed my name and that the funds we're available and the check cleared however then they came up with another issue wanting to know the third XXXX bank information from which I use the bill pay XXXX XXXX XXXX does not validate third party information with that being said the check cleared XX/XX/2023 now chase has restricted my account and will not give me access to my funds. and have claimed that they will never release the money until XXXX XXXX XXXX gives them third party information this is very unusual and no bank verifies third party information therefore I have no way to get my money
Company Response:
State: CA
Zip: 92805
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I mobile deposit my social security check XX/XX/XXXX it was accepted and approved and said it would be available XX/XX/XXXX every since then they've just been lying constantly and giving me the runaround i complained to the FDIC which referred my complaint to the OCC and then chase bank agreed in a letter that i go into a branch with 2 forms of identification and they would release my money i did a branch manager called and then scanned the documents to the back office and they said it would be 24hrs then still lying and saying they didn't receive them 1 said another said they were blurry so of course I've completed the bringing the documents twice to the XXXX XXXX XXXX and twice to other branches still saying blurry some representative even said that they haven't received anything so on XX/XX/XXXX chase preformed a transaction called a XXXX XXXXXXXX check charge for my whole XXXX dollar check amount that was in my account without notice i just happened to check my account and noticed all my money gone so i keep asking where's my money money no one knows well i went into the branch and the manager called the bank office which said the funds was still restricted in a different account even after having some saying my money was mailed out to me when i explained that i have informed delivery which is a XXXX service that allows a customer to receive a scan photo everyday of every piece of mail coming to your address in your email so i explained to them there hasn't been no mail at my address from Chase in the last 30 days so now there admitting that the funds was still restricted and no can explain to me when or why i can't access my money the check definitely has been paid i have documents from social security so can someone please help me and let me not forget that without notice i went to check my account XX/XX/XXXX and now my account is closed no longer exist i even went to the branch and was told account closed and there and even when i called no still can't tell me when will i receive my money from my XXXX social security check deposit
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My account was closed and Im asking for funds
Company Response:
State: CA
Zip: 93292
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My business partner and I had to permanently close our business due to our governor shutting us down during XXXX. Upon closing the business partner wanted to keep the Chase XXXX XXXX XXXX active for her to use. We contacted the Chase credit card company and filled out the form to remove me as Authorizing Officer, then placed her as sole responsibility for the card. About a year later she started missing payments ( Job loss due to XXXX again ) and THAT is when I noticed my credit report score dropped from XXXX to XXXX overnight. Ive spent the last XXXX months trying to get Chase XXXX correct this error. The Chase credit card company assured me its being handled each time I called them to say Im still seeing it on my credit report. Chase is now not returning my calls. This erroneous Chase information has caused my homeowners insurance to triple. Im s XXXX veteran senior citizen on low fixed income and cant afford the tripling of my rates everywhere.
Company Response:
State: WA
Zip: 98370
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
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: We purchased three small bathroom vanities on XX/XX/XXXX, but we only received one full vanity and two vanities were received with partial parts and some of parts were broken. So we communicated with the vendor to send us the missing parts and replace the broken parts, but they kept asking us to wait until XX/XX/XXXX even though they were selling the same items online. We continue trying to resolve the issue with the merchant, but they were not responsive, so we disputed the partial credit card charge for those two vanities. Then, merchant responded to our credit card dispute with the proof of shipping, but they also acknowledged that they did not send the full packages as there were missing packages. However, Chase concluded that the charge was valid and closed the case in Merchant favor. So we decided to return the two incomplete vanities, and returned the vanities and re-opened the dispute with additional information indicating that the merchant DID NOT fully shipped the items, and we returned the partial vanities we received. We provided the return tracking numbers, XXXX XXXX & XXXX, and they were returned to the merchant 's warehouse on XX/XX/XXXX and XX/XX/XXXX. We asked Chase customer service look into the case with this additional information. However, the Chase customer service again closed the case indicating that we are responsible for the charge even though we originally received the full packages, then eventually returned the items back to the merchant.
Company Response:
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: JPMorgan Chase XXXX, XXXX - I am a victim of financial fraud on my checking account in the amount of {$7600.00} and my sons college checking account attached to mine in the amount of {$21000.00}. An agent posing as a Chase representative fraudulently wired these funds out of my accounts. This began on XX/XX/2023. I visited XXXX separate branches over the course of the week of XXXX XXXX. Each time asking for help with this, asking for the bankers to identify this representative as I had their name and employee ID number telling the banker this person contacted me saying he was a fraud department representative trying to prevent these wire transfers. All branch employees looked up the mans name and couldnt find him, told me that the ID number he gave me wasnt right but never thought to call the fraud department on my behalf. It took until my Friday visit to a branch for the banker who sat with me to tell me that at my first visit that banker should have closed my accounts. Even he still didnt question what I was telling him nor did he contact fraud on my behalf even though he could see the transfers. I am a victim of both the fraudster and Chase bank. I have attached the police report with complete information on the details. Please help me as Chase is not advocating for me.
Company Response:
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I am writing to complain about Chase Bank and its unbelievably awful handling of my Fraud case claim. I registered a Fraud claim on XX/XX/XXXX, and after speaking to countless people at the bank since then, I am no closer to getting a resolution. Back on XX/XX/XXXX, I was scammed out of XXXX {$13000.00}. I received a call from someone claiming they worked at Chase bank, asking if I was trying to send money to an unknown person. They asked if I was in XXXX at that moment and did I recognise this attempt at transferring money. I panicked because I was currently in XXXX and did not know the supposed recipient. This was not me. I, believing I was speaking to someone at Chase, followed all the steps they asked me to ensure that none of the money was being taken out of my account. Unknowingly, I then fell for the actual scam. Once I realised what had happened moments later, I then called the Chase Fraud line, and I was directed to the secure messaging portal in the app. There, I was given a case number, and I was assured that these things happen, that I was insured up to {$250000.00}, and that my money would likely be returned within 24 hrs. Here in lies the first of many banking failures- even after informing them that someone unknown to me had accessed my account and funds, no one person put a block on my account. As a result, the account went overdrawn and has incurred bank fees since then. Upon my arrival back in XXXX XX/XX/XXXX I called Chase bank to learn what was going on, as I had not heard anything further. After finally getting through to someone who knew something, I was told that the case was still under review and was most likely going to take max. 10 days to resolve. Then started the second part of their banking failures ; I called every day, and without fail, I was passed from person to person, department to department, until the line finally dropped off. Every time I was assured by someone that they were going to de-brief the other person in the right department, and every time I was transferred, it was to someone new who had no idea of my reason for calling. Of the c. 8 times I called over those following days, my wife was privy to three of those calls, and she can give testament to how ridiculous this was. I was desperately trying to find out what was being done to resolve the case and when I was going to get the money back that I so desperately needed. I got nothing. Out of total despair, on XX/XX/XXXX, I went to a branch in person to speak to someone. There at Chase Bank, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I spoke to XXXX XXXX. She sat with me on the phone with various departments, desperately trying to get an answer for me. Even calling from her Chase phone, she just got passed from department to department without any resolution. I told her I was going to the XXXX for the holidays, and she assured me that I could contact her directly and would keep on top of this. On the XXXX of XXXX, after not hearing anything, I went to the XXXX for the extended XXXX break. There, I waited patiently for any news from the bank. Nothing. I called and had the same experience ; no one knew anything. I emailed XXXX twice and never heard any reply. What is the point in having an XXXX of people on the phone or Chase members of staff " on hand to help '' if no one actually does anything? After drumming up considerate phone bills, on the XX/XX/XXXX, I finally got through to someone who said that the case had been under review and that they had decided to close it. I could not believe it. How had this case been closed before anyone had even reached out to me? I decided to wait until I was home in XXXX before I could take this up again with someone in person. XX/XX/XXXX I went to Chase bank, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and spoke to ( floating ) manager XXXX XXXX. I told XXXX everything that had happened, and he said he would see what he could do. As I sat there with my wife, we heard how XXXX was himself passed from department to department until he was told that the Wire Fraud department did not have a telephone number, so no one could talk to them on the phone. How, 6 weeks later, was this the first time someone had told me this? He then went on the internal mail server and corresponded with the Fraud team. To my amazement and surprise, they confirmed that the case was actually still open, under review, and that they were waiting to hear from the recipient 's bank!!!! How was I told prior to XXXX that the case was closed when in actual fact, it was still open? What is the truth here? Furthermore, to his and our total disbelief, the account was still open, as usual, and hadn't been blocked like I was told it would be - 6 weeks after the fact! I have fallen victim to a horrible case of fraud. I believed I was speaking to someone at Chase and was deceived. Not only has this left me moneyless and created total distrust, but I have also received absolutely no help from my bank. 6 weeks have passed, and not one person has been able to help me. This is different from how a bank should treat their customers. I feel like I have been scammed twice ; once by the scam XXXX and once by the bank who I entrusted with my money. If, indeed, it's true that every time you call Chase, they say the call is being recorded, then they have countless recordings of me calling in, trying to get through to someone, in total despair, without any luck. I desperately need some help. XXXX
Company Response:
State: TX
Zip: 78704
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XXXX XXXX Projects XXXX XXXX XXXX XXXX XXXX XXXX Activity CLAIM XXXX ORIGINAL CLAIM NO. XXXX FRAUDULENT DEBIT TRANSACTIONS TOTALING {$49000.00} HAVE YET TO BE RETURNED TO XXXXXXXX XXXX XXXX XXXX XXXX XXXX The below sequence of events was compiled after conversations with Chase XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chase XXXXXXXX debit card ending in XXXX. It was intercepted/stolen in the mail. She was in XXXX, NY, hours away from the XXXX XXXX area during all fraudulent activity on XX/XX/XXXX & XXXX, XXXX. ( XXXX XXXX has a Documentation and Exhibits PDF for documentation of all claims made in this Overview ). XXXX XXXX did not authorize any of the below fraudulent activity, ie. activating the debit card, changing of pin #, text message authorizations, withdrawals or retail transactions. CHASE has already found withdrawals from business checking and savings accounts that occurred on XXXX XXXX & XXXX, XXXX the same days as disputed retail transactions- to be fraudulent but has inexplicably failed to deem said retail debit card transactions from XX/XX/XXXX and XX/XX/XXXX as unauthorized despite receiving substantial evidence and paperwork from XXXX XXXX XXXX XXXX that corroborates her account. XX/XX/XXXX, XXXX XXXX XXXX XXXX stolen/lost in XXXX. XXXX XXXX alerted XXXX right away and cancelled all of her cards personal credit & debit + business credit & debit. XX/XX/XXXX, XXXX Cards issued by Chase and sent in mail. XXXX received all other cards ( XXXX out of XXXX ) but not Chase for XXXX XXXX XXXX. XXXX mail is notoriously slow, but turns out the XXXX XXXX XXXX was stolen from the mail. * XX/XX/XXXX, XXXX XXXX XXXX XXXX to XXXX NY XXXX time to Airbnb XXXX XXXX XXXX NY XX/XX/XXXX, XXXX Fraudulent Activity Begins : XXXX XXXX XXXX | XXXX, NY @ XXXXXXXX XXXX o Fraudster went into an XXXX XXXX XXXX store in XXXX, NY, was able to change my phone line to a new phone with hard SIM card. XXXX XXXX XXXX confirmed they presented themselves as XXXX XXXX and scanned an ID to authorize changing phones. By changing SIM and taking over my phone line, fraudster was able to receive text authorizations from bank, etc. Chase Bank XXXX XXXX, NY XXXX Fraudster went into Chase Bank in XXXX, NY and impersonated me- was able to successfully change PIN number and fraudulently withdraw funds. o Cash Withdrawals TOTALING {$3900.00} ( {$1900.00} from checking acct. {$1900.00} from savings ) ( **These withdrawals were deemed fraudulent by Chase XXXX see XX/XX/XXXX and XX/XX/XXXX letters from Chase Customer Claims Dept . ** ) XXXX XXXX | XXXX XXXX, NY ( APPROX. XXXX ) o Used business debit card for unauthorized transactions TOTALING {$24000.00} ( XXXX CHARGES for {$10000.00} & XXXX ) Macys | XXXX XXXX XXXX NY XXXX Used business debit card for unauthorized transactions TOTALING {$600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX phone service and phone goes into SOS mode. She then calls XXXX XXXX XXXX XXXX trying to figure out why service cut off from her phone. She can not make calls or receive text messages. She is on an XXXX XXXX XXXX XXXX customer service chat/on familys landline in XXXX, NY, for hours with XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone was switched from an electronic SIM on her XXXX XXXX to a hard SIM, but at that time did not suspect fraud and did not alert XXXX XXXX that someone had impersonated her earlier that day at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX then changes the phone line back to her XXXX XXXX at approximately XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX receives an email from Chase Fraud ( XXXX ), notifying her of suspected {$10000.00} fraudulent activity from the Apple Store on her Chase Business Card and that the transactions was declined. XXXX responds to the email CONFIRMING the charges are fraudulent. Email from Chase states that card will be cancelled immediately and that a new card will be sent in the mail. Based on this representation from CHASE, XXXX XXXX believes that her account is secure and that the fraudulent transaction was declined. DURING THIS TIME, XXXX XXXX is in XXXX XXXX visiting Grandmother at XXXX XXXX XXXX XXXX XXXX Lake XXXX XXXX NY XXXX ( see Exhibit C, proof of check-in ), getting nails done at XXXX XXXX XXXX NY ( XXXX XXXX ), and purchasing wine at The Merchant, XXXX, NY XXXX Exhibit XXXX ) with Chase credit card, and sees her entire family and numerous friends throughout the day and evening who can confirm she was not in any of above locations where fraud occurred * XX/XX/XXXX, XXXX More Fraudulent Activity- XXXX CHARGES IN XXXX : More withdrawals from Chase TOTALING {$3900.00} o ( **These withdrawals were deemed fraudulent by Chase, see XX/XX/XXXX and XX/XX/XXXX XXXX from Chase Customer Claims Dept. ) XXXX XXXX XXXX XXXX XXXX NY, NY : TOTALING {$24000.00} ( XXXX separate charges, {$21000.00}, {$2200.00}, {$790.00} ) Macy| on XXXX XXXX, NY TOTALING {$570.00} XXXX XXXX XXXX XXXX account the night of XX/XX/XXXX. Blindsided by all the fraudulent activity, as CHASE represented to her that the debit card had been closed on XX/XX/XXXX, she calls Chase- but all lines are closed. She locks cards. XX/XX/XXXX she is on the phone with Chase notifying them of the above fraud and claims started. FRAUDULENT TRANSACTIONS AMOUNTED TO {$57000.00} Upon information and belief, based on multiple phone conversations with Chase XXXX XXXX Department managers, after XXXX XXXX cancelled business debit card via email on XX/XX/XXXX, fraudster was able to REACTIVE card, either by receiving text alerts when they took over her XXXX or by impersonating her at the Chase branch in XXXX, NY. XXXX XXXX hereby demands that CHASE pull video surveillance from the XXXX CHASE on XX/XX/XXXX which, will show perpetrator impersonating XXXX XXXX. XX/XX/XXXX, XXXX Police report outlining fraud on XXXX XXXX XXXX accounts filed with XXXX. Police report shows charges of XXXX XXXX in the Second Degree, a C Felony in New York XXXX.
Company Response:
State: NY
Zip: 11201
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Around XX/XX/XXXX my ex girlfriend moved out of my residence due to the end of our relationship, she changed all my personal information on a credit card that we opened together and submitted to Chase Bank her own personal information without the bank notifying me that my PI was changed to my ex girlfriends information. She maxed out the credit card to an amount of over {$18000.00} around XXXX of XXXX and I was only notified by Chase Bank after the card was maxed out. Chase Bank informed and notified me of the change of the name, address and email address from my account, making it impossible for me to realize what was going on. Chase Bank declined to move forward in anyway even though several calls to the Fraud Unit and Dispute Team. Again, Chase Bank failed to notify me in regards to the changes of my personal information to my ex-girlfriend information and only made me aware of that after the credit card was maxed out by my ex girlfriend. My outstanding credit history was damaged by her actions.
Company Response:
State: MD
Zip: 20601
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: So one day, unaware someone gained access to my Chase account and tried to deposit a fraud check and because of that action, a few days later, I received a call from Chase stating that my accounts were going to be closed down and I could not further bank with it them.
Company Response:
State: CA
Zip: 90710
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A