Date Received: 2023-01-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: On the morning of XX/XX/2022, I was notified on my phone that I had several unauthorized XXXX charges for {$1300.00} each, all for an XXXX XXXX Purple that I did not order. When I called XXXX XXXX XXXX and explained why I was calling, I was escalated to a senior manager named " XXXX. '' XXXX said that most of the unauthorized charges were blocked, but that one charge for {$1300.00} got through. XXXX said XXXX was having trouble with hackers and that he needed to block them. He asked me to sign into my XXXX account and then allow him to take control of my computer so that he could install security software to block the hackers. Then I see a blue screen that says, " Software Updated, Please Wait '' and I can't see anything else. XXXX assures me that he is blocking the hackers and that the software will take some time. Then I get my screen back and I see a window with a prompt that says, " CHASE BANK CHECKING ACCOUNT XXXX '' which are the last XXXX digits of the Chase Checking account associated with my XXXX account XXXX Below this I see the continuation of the prompt that says, " AMOUNT : '' and I am told by XXXX to enter {$1300.00} to be reimbursed for the unauthorized charge that got through. He specifically says for me to enter " Dollar sign, XXXX, XXXX, XXXX, XXXX, XXXX '' which I do exactly as he says. What returns is a statement that says, " {$41000.00} HAS BEEN DEPOSITED IN CHECKING ACCOUNT NUMBERXXXX. " At this XXXX says, " Oh no! The dollar sign must have been interpreted on your keyboard as a 4, since they are both on the same key. Oh no! I'm going to lost my job over this! This will take weeks and weeks to resolve and XXXX may even take legal action against you and me! '' He asked me to login to my Chase account and see for myself that a deposit for {$41000.00} was just made to my Chase Checking account number ending in XXXX. I did and sure enough, {$41000.00} had just been deposited into my checking XXXX.I told him that I appreciated him trying to reimburse the {$1300.00} unauthorized charge and asked what was the process to return the excess reimbursement. He said the easiest and fastest way to resolve the issue was for me to send a wire transfer. He said that he would text me the information required for the wire transfer and that I was to transfer {$39000.00} since there will likely be bank fees. From mobile number XXXX he sends me : Recipient Name : XXXX XXXX XXXX Account Number XXXXBank name XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX went to the Chase Bank branch at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and processed the wire transfer for {$39000.00} from my Chase Checking account number ending in XXXX asked me to take a photo of the receipt and text it to him, which I did. He assured me that the matter was resolved, but to leave my computer on, not do any financial transactions with it, and we would speak again at XXXX XXXX the next morning, XX/XX/. When we spoke the next morning, XXXX was agitated and said, " It happened again! This time it must have been a problem with our ( XXXX 's ) system. '' XXXX said that he is certainly going to get into trouble and that I needed to immediately get to the bank to do another wire transfer. This time, for {$39000.00} because of fees and he wanted to leave some extra money in my account as compensation for my inconvenience. Again, XXXX released my computer screen and asked me to login to my Chase account. I saw that a second deposit of {$41000.00} had been made to my Chase Checking XXXX account. Therefore, I went to the same Chase Bank branch and processed a second wire transfer, this time for {$39000.00} to : Recipient Name : XXXX XXXX Account NumberXXXXBank name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Recipient Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX said that we would have to speak again the following morning to make sure each of our accounts had the proper amount of money and that the security software to block the hackers was finished. When it was time for us to speak on XX/XX/XXXX XXXX put me off saying he was in urgent meetings. I told him that I was trusting him and XXXX repeatedly assured me to trust him. The multiple delays and my anxiety gave me time and motivation to turn-off my computer to interrupt the " hacker security software '' and then restart my computer. Once restarted, I logged into my Chase account and saw account balances for 1 Savings and 3 Checking accounts that looked odd. I could see 5 unauthorized transfers between Chase Savings XXXX, Chase Checking XXXX, Chase Checking XXXX, and Chase Checking XXXX.It seems that XXXX ( without my authorization ) transferred {$41000.00} from Chase Savings XXXX to Chase Checking XXXX for me to see that a new deposit of {$41000.00} had been made to the Chase Checking account associated with my XXXX account XXXX This was the first " over reimbursement '' for which I was instructed to make a {$39000.00} wire transfer. Then, because Chase Savings XXXX did not have enough balance to make another {$41000.00} transfer into Chase Checking XXXX, XXXX ( without my authorization ) transferred {$18000.00} from Chase Checking XXXX and {$6000.00} from Chase Checking XXXX into Chase Checking XXXX. This was the second " over reimbursement '' for which I was instructed to make a second wire transfer of {$39000.00}. In total, {$79000.00} was wire transferred from Chase Checking XXXX to banks in XXXX XXXX. My wife and I immediately went to Chase at XXXX XXXX on XX/XX/2022 to start an investigation from their side and to stop the wire transfers. While at Chase bank, I checked my XXXX account and saw that it had been reduced from nearly {$1300.00} to {$7.00}. When I confronted XXXX via text at XXXX he said, " Just file a case with your bank... You will get each and every penny. Both the amount have not been cleared with XXXX XXXXXXXX XXXX. You can do a swift recall and you will get your money back. Just tell your bank to do a swift recall. '' I told him that my XXXX XXXX XXXX XXXX account had also been wiped-out. XXXX did not respond. I asked him to reject both wire transfers. XXXX did not respond. XXXX XXXX number XXXX documenting unauthorized withdrawal of {$1200.00} on XX/XX/2022. At XXXX XXXX my XXXX balance was {$1200.00} and at XXXX XXXX is was {$7.00} ( unauthorized withdrawal of {$1200.00} ).
Company Response:
State: TX
Zip: 77429
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Fraud use and access to a many of my personal accounts.
Company Response:
State: CA
Zip: 903XX
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-22
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: To whom it concerns, I have had this Chase freedom account for approximately XXXX years. Somewhere around 2009. I wrote a balance transfer check. I do not know the date or the amount as I am unable to go back in my account that far. For the past XXXX years, Chase has not applied XXXX XXXX towards the balance that remained after the promotional period ended. Which is in violation of the card member agreement. According to my math, I have been overcharged interest and cash advance fee in the area of approximately XXXX. I have made a XXXX phone calls, trying to address this with Chase, and have received some unbelievably ridiculous answers, all of which have proven to be unhelpful. According to the card member agreement, payment allocation applies to highest interest/lowest interest/oldest balance. This balance of XXXX has been on the account for over XXXX years and has not been paid down by XXXX cent. Starting in XXXX after XXXX phone calls again Chase has started allocating approximately XXXX dollars monthly to this balance, which still violates the terms of the card member agreement. This balance has been on this account for more than XXXX years and is 100 % the oldest balance on this account.With purchases and payoffs and interest and fees over XXXX years I am requesting that Chase present the math along with an explanation as to why this has yet to be paid off in more than XXXX years.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Despite opting my deceased father 's information OUT of all pre-screened credit card offers months ago this bank seems to see fit to continue to mail unwanted credit card offers to him. Most recently an XXXX XXXX XXXX Credit Card Invitation number XXXX XXXX XXXX.
Company Response:
State: MA
Zip: 01960
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had an account with chase last year, they allowed me to cash XXXX check for my wife and her cousin and I also deposited checks from selling XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX over XXXXXXXX XXXX ive tried talking to them the others have to they won't give my money back and closed my account.i went in the bank to the teller with the person every time.
Company Response:
State: OR
Zip: 97213
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: My issue is with Chase XXXX Bank credit card. I reached out to CFPB regarding a settlement but Chase refused because the debt wasn't at the six month mark. Instead they chose to report negatively to all credit bureau 's lowering my score. Knowing that I was unemployed and in a difficult financial situation. I received a letter from XXXX on XX/XX/XXXX, regarding a letter serving effective on XX/XX/XXXX. From XXXX XXXX XXXX stating that they have placed my account with XXXX XXXX XXXX, XXXX. for servicing. And their records show that my account has an outstanding balance not yet resolved for {$1200.00}. And if I do not resolve my account before the end of the prelegal track. It may be forwarded to an attorney to review for a possible lawsuit.
Company Response:
State: NV
Zip: 89014
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I opened a checking and savings account in 2019 with Chase Bank, but both accounts were closed without any explanation to why my account was closed. XXXX, I applied for mortgage, I was denied as well even though I have a fantastic XXXX XXXX. XXXX XXXX had a promotion for their XXXX XXXX XXXX card, so I applied. I was unaware the credit card was financed through Chase Bank. I applied through XXXX XXXX website. Initially, I was approved for a credit limit of {$25000.00} due to my credit score. Unfortunately my credit card account was closed later when I tried to make my 1st installment card payment. I called Chase to find out why my account was closed. There was no explanation to why my account was closed. I can only suspect that I have been blacklisted from this bank. If my suspicion is accurate, then it is only fair to know why!!!!
Company Response:
State: IL
Zip: 60502
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
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: Thank you for taking the time to read this. Background : It is common knowledge that XXXX has now grown to be " too big to fail, '' and the company wields its powers however it wants. Recently and for the first time in my over 20 years of patronage, the company has allowed drivers and workers to steal or " misdeliver '' my packages. This has been going on for about 2 months now, to a tune of about {$2000.00} and counting. Packages are frequently being " delivered '' to an address that either doesn't exist or is being used as some sort of drop off for a theft ring. Sometimes the driver will post a picture of a home that looks nothing like mine and does not exist in my neighborhood. I have spent considerable time writing complaints, starting investigations with XXXX and my credit card company, Chase. Both entities know what is going on. Now, Chase has begun to put me on hold for more than an hour, hang up, and force to me to have to give long accounts of what has transpired with XXXX, despite my previous detailed records having already been submitted. XXXX continues to charge me for products I never received, and I have to explain to them the need for an investigation. Then, I have to explain over and over to Chase what is going on. Chase has an internal mechanism that connects charges to the user 's account in XXXX. They claim that they can not " see '' this information. Furthermore, I am concerned about my own safety as clearly my information is being shared -- my home address is going out to " contract '' drivers whom, according to news sources, are not beholden to the same privacy policies that XXXX drivers are, if they ever were. In short, as I and everyone else continues to track the mass greed and malfeasance of these companies, I am hoping the government will actually put my tax dollars to work. I can not even go to other retailers as XXXX has effectively put everyone out of buisiness in small towns. This is a scourge -- the rise of the Corporation now considered a " person. '' No accountability. Thousands of dollars and hours of time lost. For what? So that I can write these complaints knowing that at least some elderly or disabled person may benefit from my speaking out. I have filed complaints with the CA XXXX XXXX as well. And I am joining groups who are sick and tired of being sick and tired. XXXX is a parasite, eating its own. Chase was there long before. I hope you will help.
Company Response:
State: CA
Zip: 936XX
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX, XXXX, I was called by an agent from Chase Bank identifying himself as XXXX XXXX on the Customer Service Line ( XXXX ) XXXX. He said there Was fraudulent activity in my account. I had just gotten gas ( debit ) and {$60.00} in cash from a ATM at XXXX XXXX. Thats where I assumed the fraud had occurred. After quite a long time on the phone, he seemed able to correct and stop the transactions. This included a purchase and a wire transfer. No personal info was shared with him. He called the next day on the customer service line with yet another fraud wire transfer and once again supposedly fixed it. This occurred twice more - XX/XX/XXXX and XX/XX/XXXX - Wire transfers that had been scheduled he said. My account seemed fine and no money had been lost. I did no followup. He said I would receiving a new debit card which Never came. On Tuesday, XX/XX/XXXX, he called again and explained that another scheduled transfer had popped up on the system. After working on the - lots Of one-time codes were sent. Everything on the XXXX phone number. He then explained that the bank wanted me to have a new account due to all the fraud Activity and move my money in three chunks. He have me my new account number # XXXX and routing number # XXXX. The first transfer was {$7500.00}. He Then explained that they were closing at XXXX and we scheduled an additional meeting for Wednesday morning at XXXX XXXX He called on the customer service line and we Went to work. Before the third transfer was finished, he said someone would be calling to do some final verification steps- weird questions. I called the customer service Line to check all of this and agent XXXX assured me that I had done the right thing by calling. When she asked when I last spoke with him, I said Ten minutes ago to Which she relied, Yes I see it right here on the record and congratulated me for calling in. I then got the call with the weird questions and we seemed done. And obviously We WERE. I saw my account drop from {>= $1,000,000} to XXXX Immediiatly, I called Chase and went to the nearest Branch in XXXX, NJ where XXXX met with the bank manager, XXXX XXXX XXXX She set up recalls and gave me all info. She was very helpful and supportive as I struggled to not totally fall apart and come to grips with the crisis. This Wiped out everything I had saved and worked for the last five years and has left me struggling to meet medical bills and living expenses. I filed a police report with the State Police In XXXX XXXX, PA on Thursday morning with XXXX XXXX XXXX. I went to my own NY branch on Friday ( XX/XX/XXXX ) and tried to file another police report with the XXXX Police. Further attempts with Chase at this point have been fruitless. I am a 40 year customer with Chase and demand attention. Elder fraud is a crime! I have been violated in a devastating way. I am hurt and Very, Very ANGRY!
Company Response:
State: NY
Zip: 10028
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: To Whom It May Concern : Fact : I am and have been a XXXX XXXX XXXX for over XXXX years. My license is with XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Issue : On Wednesday, XX/XX/2023 I received a commission check in the amount of {$12000.00} from XXXX XXXX XXXX XXXX, XXXX the title company that did the closing on a house sale from their business account with XXXX XXXX in XXXX XXXX, Florida. On Thursday, XX/XX/2023 I went to the Chase Bank, XXXX XXXX XXXX XXXX in XXXX XXXX, Florida and deposited this commission check into my personal checking account. At the bank I was told by the Chase representative that she would be to able to release {$220.00} into my account and then the balance would be available and cleared into my account by Tuesday, XX/XX/XXXX as this was bank policy. I accepted the terms. On Wednesday evening, XX/XX/XXXX I checked my account only to find a statement in my bank ledger that the funds would now not be available until Tuesday, XX/XX/XXXX. I immediately called Chase and was told there was a problem with the bank check from the title company and the funds would not be released and to call back in the morning to the Check Hold Dept.at the XXXX number. Then on the next morning, Thursday XX/XX/XXXX, before calling Chase, I received a letter from them stating they now placed a hold on my deposit as " The information we have indicates the deposited check may not be paid. " I immediately called the Branch Manager with XXXX XXXX XXXX XXXX to ask why Chase would not accept their check. She told me she would check with their bank, XXXX XXXX, and get back to me. Later that day she sent me an email starting that the check had already been cleared and Chase was paid in full. She also sent me a copy of the front and back of the paid out check to Chase. On Friday, XX/XX/2023 I went into the Chase XXXX XXXX XXXX where I made the deposit and showed the banker that the check had already cleared and Chase had the funds so why would they not be releasing my funds into my account? Her response was " Sorry I can not help you as we no longer can assist you with your problem as they ( the local bank ) no longer have control and I must work with the XXXX XXXX XXXX by telephone as they are the final decision maker about releasing any funds. This is " FRAUD '' as Chase is holding my funds stating I must wait 12 days now to find out if the check clears while threatening to then charge me a bank return fee when they have already been paid! They were paid by areutable local bank, XXXX XXXX from a business account with a reputable local title company so how can they get away with this? They are holding my funds for an additional week while stating I might not even get the funds in my account! They have been paid already and I will send documents of proof if needed. I am filing this complaint accusing Chase Bank of stealing my funds which they have no right to do since they have already been paid! I demand they deposit these funds of {$11000.00} into my account immediately as this is a Fraudulent practice that I am not accepting! Thank you,
Company Response:
State: FL
Zip: 33433
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A