Date Received: 2023-01-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Chase Bank is not a 24hr bank. They are closed on holidays and they close after a certain time on certain days like Sunday. XXXX XXXX XXXX chase locked me from my account. They were closed and I had no access to my funds nor was I able to reach a representative. My funds were on hold for 4 days because they were close and there was no one to speak to. This is illegal and these banks are getting away with it. You cant block people from their account and not be accessible. Chase Bank keeps purposely preventing me access to my funds. If I send a XXXX payment they purposely deny my XXXX transactions, locks me out of my accounts and then keeps my funds on hold without any explanation. I deposit my work checks and they dont give me a clear date. They clear it when they want and I cant get an explanation from no one.
Company Response:
State: NY
Zip: 10701
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, I was contacted by an XXXX user saying that they would pay me {$500.00} for using one of my social media posts. Based off of successful past experience, I agreed to this. They then proceeded to say that they would have to send me a check to deposit for {$1000.00} and I would have to XXXX XXXX them back {$500.00} due to the fact that they could not send me only the {$500.00}. I agreed and proceeded to deposit the check sent to me as well as send back the {$500.00}. The check went through without any issues and I thought that the whole situation was over. Later that day I looked at my account and more checks were deposited as well as more XXXX XXXX was sent and payments through a wire transfer. On XX/XX/XXXX, I contacted my bank, Chase, when I realized I was being scammed and they immediately helped me get started with the claims process. I filed two different claims for all of the transactions. One claim was for the XXXX XXXX XXXXayments which were for XXXX different transactions that were all on the same date and all were for {$500.00}. Another claim was also filed for a wire transfer that was for the amount of {$1500.00}, however they filed it as a claim for another XXXX XXXX transaction. XXXX of the {$500.00} XXXX cash payments was initiated by me personally but the rest of the transactions were not personally sent by me. I was taken advantage of as well as promised a certain amount by this individual which I did not receive due to them getting my information. Chase bank helped me file my claims and sent me back the amount I had lost so my account was back to the original amount before the whole thing happened. However, they did not inform me over the phone that the money they " got back for me '' was only a credit provided by Chase. They sent a document saying what the claims were for as well as the amounts, how long it would take for them to review and come to a conclusion, as well as a brief explanation that the money given back to me was credit and not the actual money that had been taken from me. This information did not seem too extensive due to the fact that on the phone with the claims department they provided a lot of information regarding my claims and even said that the chances of me receiving my money back were 100 %. Essentially they gave me a false sense of hope and a false promise as well. During the period of time that I was waiting for the claims to be reviewed, I froze my account so no more false activity could happen. I went into a Chase branch and got a new account as well as a new debit card. They transferred over the funds that were on my previous account into my new one with no problems. After a certain period of time, around XXXX weeks, I was sent a message through my Chase Bank portal on XX/XX/XXXX saying that they had updated information about my claim. The information that they gave me basically said that after further investigation of my claims, they would be taking back the {$3500.00} that I had been given back due to the fact that it appeared I had personally made the transactions. Even after countless times of talking to representatives on the phone explaining I had not personally made the transfers and transactions. If all of this false activity had been done on my credit account, Chase would have been all over the situation and would have fixed the issue in a heart beat. They would have made the account back to normal no problem due to it being a credit account. But because this case was a debit account and the fact that it " appears '' I made the transfers, they would not recover my lost funds. After calling multiple times and being transferred another XXXX times on XX/XX/XXXX, they told me that nothing else could be done. On XX/XX/XXXX, {$3500.00} was taken out of my account which resulted in it being $ XXXX. I would have had to pay an overdraft fee if I did not transfer money from my savings account into this checking account. This whole situation has been awful for me emotionally, financially, and as a college student it has been devastating. I was not able to pay for my college tuition like normal because of the amount that was taken out. My education has been put on hold due to this fiasco and I have felt cheated by not only the people who made the transfers but also Chase bank.
Company Response:
State: WA
Zip: 98512
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Chase Bank XXXX Im afraid to leave my Cellphone at Home becuse someone mite rob me so i take the Phone with me and get Muged someone robs the Phone would remember my Bank user name and Phone verfication is all thats needed to reset the pasword and Rob all the Money Beat anyone up then steal there cellphone the Rober can reset all peoples paswords with just the phone remeber most everything Reseting Bank Pasword requires only ( 1 ) user name that all computers atomaticaly remeber ( 2 ) Phone Number Verification Somone Breaks into my Aparmtnent and I send 10,000 emails everday so the Computer is on 24 hours dailey and the Bank Rober checks my computer history Chase Bank Login rememebers my User name and the Rober would use my Cellphone to Verify me XXXX XXXX Refugee most have no mailing adress so 5 years I have no Chase bank Pin and never use my XXXX XXXX To Report youre XXXX XXXX lost XXXX XXXX you need the XXXX XXXX number and PIN also to Call the BANK so the BANK robber vidio camera it or Phone Hack To talk to a banker everyone enter enough infermation so people can rob all there Money Paying fore anything and opening a differnet Bank acount all companies only need to Acount Number and Routing Number to take money Out of peoples acounts If somone stole all chase bank acount numbers thats all that needed to Rob People Anyone can rob peoples bank acounts with no user name or pasword they only need the Acount Number Turn of the BANK ATM and Credit cards turned off then Companies can still charge them I only leave my Apartment once a month I could turn off all my bank cards so nobody could rob me but the Bank Robbers could still Purchase {$20000.00} on XXXX with XXXX XXXX tuned off Banker computers can be seen buy all bank customers can use a XXXX XXXX I has {$29.00} in bank fraud and closed all my bank acounts and order new cards at XXXX XXXX XXXX send my XXXX XXXX to XXXX dealers Adress I do more XXXX fraud checks and XXXX send more XXXX XXXX to the XXXX dealers becuse the Bank computer cant see all the XXXX XXXX then XXXX XXXX say its imposable to Comprehend and the Judge write the complaint so Poorley Drafted the Bank cant respond and oreder me to Pay the Bank lawyer fees after XXXX dealers stole {$25000.00} from me My Mom walked into XXXX XXXXXXXX XXXX and put a payee on all my bank acounts and stole {$50000.00} from me and XXXX XXXXXXXX XXXX XXXXawyers say they cant comprhend it ALL XXXX XXXX love to rob there customers becuse people have XXXX rights in Court Purchase anything at XXXX and XXXX remeber my credit card forever and i also have to remove my credit card from XXXX I would like to enter my credit card numebr everytime and dont want the coimputer to remmber it 2 years ago I had XXXX XXXX XXXX allowed free Wire Transfer now CHASE suport Email says some acounts do so check the Acount details and contact chase back and XXXX says the Bank dosent now so can I switch acounts to do it XXXX XXXX XXXX XXXX IL will only send the WIRE Instructions to a bank and not the Customer and Chase bank wont help and the XXXX XXXX only takes a Casher Check from a Local bank both wont let me open an Acount Most All banks XXXX Numbers require international long Distance mite cost $ 5000 yearly There no Chase banks buy me Being a Refugee XXXX XXXX then maybey XXXX XXXX my XXXX XXXX XXXX XXXX did not work so went to CHASE bank Branch would not let me use the Phone and security threw me out with zero help Opening my Chase Bank XXXX a rancher said people grew XXXX on his property and he poison there water is Herasment becuse I dont want to go to a bank and have bank customers talk about Poisoning PEOPLE The Federal Government Dtermined me XXXX CXXXX XXXX Social Scurity i need a Computer assitive device to bank due to my XXXX i dont use a Phone and all banks refuse to XXXX XXXX
Company Response:
State: MN
Zip: 560XX
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Re : Acct # XXXX Chase, loan servicer contacted us XX/XX/2022 advising home in foreclosure however will be given time to secure employment. Hope to obtain job and tenant before years end and need confirmation that my home will not be sold from under us. In the meantime XXXX relief being sought. Sincerely, XXXX XXXX XXXX
Company Response:
State: NY
Zip: 11433
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Someone stole my identity address phone information to apply for a credit card from XXXX XXXX bank Chase Bank also XXXX XXXX, then the chase bank credit card was approved, the bank sent the credit card to my home address via XXXX, and then they called XXXX to transfer the credit card Send it to their address, as follows ( XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX ), until I received a letter from chase bank, I didnt know that someone used my identity address information to open a credit card account, I immediately called chase bank and returned Some banks told them that my identity information had been stolen.
Company Response:
State: NY
Zip: 10308
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX or XX/XX/2022, a check made out to " XXXX, XXXX XXXX XXXX '' in the amount of {$6800.00} from our CHASE checking account was stolen in the mail. On XX/XX/2022, it was fraudulently endorsed and deposited through mobile app into a XXXX XXXX account. In hearing from the University that they did not receive our check, I discovered in my electronic records that the check had been cashed and funds removed from my account for the full amount. The endorsement at the back of the check was a squiggly line. In contacting CHASE on XX/XX/XXXX, we began the investigation and submitted all paperwork including a completed affidavit/declaration. We met with our local CHASE representatives and followed up. In XXXX, we heard from a representative of XXXX XXXX that our funds were suspense as CHASE had not completed all of the needed paperwork. We were told that the only appropriate process was for our bank to work with XXXX XXXX bank to rectify the situation. We were also told that XXXX XXXX was months behind with their paperwork and to expect a wait of XXXX days, later changed to 120 days. I have spoken to five to ten representatives at both banks at ever level to ask for their assistance in moving this forward. I asked for provisional credit from CHASE on numerous occasions and have been denied. I have been given no clear timelines on when to expect this to be resolved. On XX/XX/XXXX, I met with my local CHASE rep who called her colleagues who specialize in this work, and was told that we should expect the funds in 3-5 business days. I left the bank feeling that we had resolved the issue finally. It was not. No apologies or willingness to take responsibility once again. I sent a registered letter of complaint to XXXX XXXX XXXX, XXXX of CHASE ( confirmed receipt on XX/XX/XXXX ) and continue to await resolution from his team.
Company Response:
State: FL
Zip: 33156
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: NY
Zip: 11435
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Chase bank has informed me that my money was sent back to US Bank. I find this to be highly irregular, seeing how theyve not provided me with a reason nor a transaction itinerary of the amount in the question is {$180000.00} this institution has been carless with my money and has ignored their fiduciary responsibility. This institution has acted irresponsible in the care of his customers, account and closing accounts, for no legitimate reason.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Chase credit card company would not accept a payment from me because it was XXXX hours late. They then doubled the monthly amount on me which I could not afford. I am on XXXX. They even charged me late fees after I closed the account. This is very unfair and predatory treatment. Thank you. XXXX XXXX
Company Response:
State: VA
Zip: 23237
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: An account was open with Chase bank without my authorization due to fraud. Account opened on XX/XX/2022 and the limit is {$1600.00}.
Company Response:
State: NY
Zip: 11216
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A