Date Received: 2023-01-17
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I deposited my Check to chase on XX/XX/XXXX. And XXXX year ( XX/XX/XXXX ) later, Someone took the same check to XXXX and cashed it out. and XXXX overdraft my account and paid the other person. The check should be good for 180 days. I don't know why chase still let this happen. Why do I have to pay for the mistake then XXXX made? The XXXX XXXX keeps calling me.
Company Response:
State: MD
Zip: 20852
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX I had an unauthorized charge from the XXXX ( merchant ), upon this charge Chase sends me a text message at XXXXXXXX XXXX asking whether the charge was authorized in which I responded via text no. This response sent my account into a spiral XXXX XXXX 's XXXX weekend because of my text response Chase in turn closes the card and issues a replacement. I then get on the phone with a chase rep ( same night ) and requested that the card be express delivered to avoid not having the card over a 3-day XXXX weekend ( where banks will be closed ). I contacted the merchant in which they confirmed via email that they would refund my account, I then got on the phone with a chase rep ( several of them during this ordeal ) explaining the situation and how I was expecting some ach 's to hit my account and that this was going to cause an issue. After speaking with several confused chase reps ( all of which gave me a different story on how I would be able to access my account ) they said they were going to issue the credit pending the investigation and refund from the merchant. At this point I am thinking issue somewhat resolved, but then the issue of accessing my money snowballed. Some reps said ( again over holiday weekend banks closed ) that I would be able to use my digital wallet in the interim which I tried but when trying to use my digital wallet as advised I was not able to withdraw my money from Chase atm saying that I needed to speak with someone. I sat with manager and rep at the Chase Branch located on XXXX XXXX XXXXXXXX XXXX who stated that they were just as confused and that my card is not being delivered for, they did not see a tracking number ; we also confirmed that I was charged {$5.00} for a rush order although being told I would not be due to replacement. The manager then worked to credit that money back on to my account while we called over the phone to speak with Chases debit card dept. to handle why I could not access my money using digital wallet ( despite using it at least 4 times in the morning at different merchants ). I left the branch with the issue somewhat resolved being told by serval reps to carry cash over XXXX XXXX XXXX weekend this notation compromises consumer safety. As I continue to use my digital wallet, I then incur further restrictions were unable able to fully access my money. Fast forward today I notice a chase claim reversal on the initial charge that sent this account into a spiral. On XX/XX/XXXX the charge had taken place, on XX/XX/XXXX I see a - {$110.00}, I then contact Chase who in turn issues a temp credit to bring account current as ach 's are coming through, then on XXXX there is a reversal claim of that same amount {$110.00}, and then again on XX/XX/XXXX. The problem I have here is that despite the fact that I took all the measures provided to me via chase to ensure my account safety, closing debit ( against my wishes ) issuing another debit card, being charged then the charge posting to then be issued a credit, then the refund comes through and more than 20 days later I find myself still dealing with this charge rather then as soon as the refund hit chase should have reversed the claim in that instance as opposed to waiting more than 20 days later leaving my account in a negative. The whole purpose was to help me correct this charge as oppose to credit it and despite taking as soon as refund it they wait 20 days later to allow my account to spiral in a negative. I still incurred the charge I was trying to correct and avoid. I want a credit back into my account considering this nightmare of an ordeal I had to be forced to deal with over a long holiday weekend on chases part over the merchants mistake.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I accepted an agreement with Chase for mortgage assistance back on XX/XX/XXXX in which I would pay {$100.00} per month for XXXX XXXX The program ended on XX/XX/XXXX. When I called to make a payment on XX/XX/XXXX, I was told to make another payment of {$100.00}. I did that. Later in XXXX I filed for additional mortgage assistance with Chase. In XXXX of XXXX, I was told that I was turned down for additional mortgage assistance. I am now working to pay the balance owed after the first mortgage assistance expired. However, on XX/XX/XXXX, Chase sent a delinquency notice to the credit bureaus stating that I missed my payment for XXXX. That is not correct. I am current through XXXX and am working to be current for XXXX as well. I have contacted Chase about this and they refuse to assist me.
Company Response:
State: IL
Zip: 60053
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Chase Bank Checking account holder encountered several fraudulent transactions from XX/XX/XXXX to XX/XX/XXXX. This was brought to the attention of the bankers at the Chase Bank Branch in XXXX XXXXXXXX XXXX on or around XXXX XXXX XXXX Included in these transactions were seven fraudulent new check book printing requests made with seven separate fraudulent charges of {$41.00} for each fraudulent transaction made on the account. The account was frozen for debits at the request of the account holder, pending credits to be claimed for the seven fraudulent {$41.00} transactions. Since the time of the first request, account holder has been to the branch three times, interacting with XXXX XXXX and XXXX XXXX on three separate occasions, spending several hours during each visit. Account holder was promised a credit, but to date, i.e. XX/XX/XXXX, no credit for the fraudulent transactions allowed by the bank has been given. In this period, on XX/XX/XXXX, Chase Bank unilaterally, and without authorization from the account holder, closed the said account and sent a check for the proceeds in the account without giving credit to account holder for the seven fraudulent transactions. Account holder is asking : a ) Why was account closed without authorization? b ) Why was credit for fraudulent transactions not given when it was due to oversight on the part of Chase Bank? c ) Why was claim not submitted by Chase Bank to get a credit for the seven fraudulent transactions amounting to {$290.00} ( XXXX X XXXX ) in spite of account holder interacting with Chase Banker XXXX and XXXX XXXX on three separate occasions? Kindly help me get a credit for the said seven fraudulent transactions amounting to {$290.00}, and make me whole.
Company Response:
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Chase is violating me as a consumer by re-aging a misleading inaccurate account on my credit report. They are failing to comply to the FCRA. I've sent in multiple concerns and we still have a problem. They disregarded my dispute multiple times. I'm asking CFPB to help me with this situation. This account is not maximum possible accurate which is the FCRA standards.
Company Response:
State: CA
Zip: 95376
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Please accept this written complaint about JP Morgan Chase Bank 's unjust racial discrimination, profiling, and systemic stereotyping. The bank has served me since XX/XX/XXXX. XXXX XXXX XXXX, who is also an authorized user on my Chase credit card, signed a check to me on XX/XX/XXXX. Previously, I deposited over {$20000.00} on XX/XX/XXXX, and another check in XX/XX/XXXX. I assumed depositing at the ATM would be no issue given the prior history. Both third-party signatures were on the check at the time of deposit. My Chase personal account was fully restricted the following day, and I was only told to enter a Chase branch with my aunt to complete third-party verification of checks, after which the account restriction would be lifted but the check deposit would still have to go through normal processing. The branch examined our two ( 2 ) forms of IDs, which was our chase credit card and driver license. Copies were sent to Chase 's back office after my relative confirmed that the check was authorized to be deposited into my account. After the back office received the IDs showing two black people, I was told my account would stay restricted due to fraud suspicion. I asked them how that was possible because XXXX XXXX XXXX issued a positive pay file batch to XXXX XXXX, and everything on the check matched. After speaking to the back office, I felt overwhelming anxiety and a feeling of being patronized. I asked Chase for the source of information, but they refused and said my checking account would stay restricted. I told them that my account should be unrestricted since Chase verified that my aunt authorized the check deposit, and I had payments to be withdrawn the next day. I went to two more branches on XX/XX/XXXX, to have my account unrestricted and expressed that I felt discriminated against. Associate banker, XXXX XXXX, called Chase back office and spoke to an escalation XXXX who validated the check 's authenticity with the maker and verified funds at XXXX XXXX. The escalation XXXX spoke to XXXX XXXX at XXXX XXXX XXXX, who said Chase Bank called many times to verify the check. After several successful verifications on XX/XX/XXXX, Chase still refused to remove the account restriction, making me feel racially targeted and stereotyped. I arranged a payment on XX/XX/XXXX, to XXXX after returning from XXXX, as I was unable to access my XXXX accounts while outside of the country. Payment was presented on XX/XX/XXXX and returned to XXXX with the " frozen '' notice. Since I was out of the country, my loan payment couldnt be made on time for the XX/XX/XXXX due date, which means the return that Chase caused can possibly affect my credit. My credit reports had no poor payment history before this unlawful account restriction. I couldn't transact on my account at the time of presentation. After visiting numerous Chase branches for two days, I called the maker of the check ( XXXX XXXX XXXX XXXX ), who found it peculiar that the Chase XXXX risk system included a verification number of a terminated temporary employee instead of their corporate number. Since XXXX XXXX XXXX is XXXX of Florida 's largest firms, Chase should have had their number, but it appeared to be a stall tactic to unsuccessfully verify the validity of the check. XXXX XXXX 's Treasury had to quickly activate the terminated phone number to get the matter resolved without any further delay on Chase 's behalf. Even after yet another complete verification during the afternoon of XX/XX/XXXX, my account was still restricted. I was scrutinized and discriminated against after depositing a check from my aunt stocks to help pay off debt that was incurred during a separation from my spouse. I left both Chase branches feeling humiliated and discouraged. The attempt to criminalize me and insinuate fraud was depressing and caused me unnecessary anxiety. If my skin color had been different, I would not have experienced so much prejudice, much alone been locked out of my accounts for several days even after in-branch verification. I am extremely hurt and disappointed as this Chase incident has triggered past trauma due to systematic racism. Banking while XXXX in XXXX means navigating an American world that constantly disrespects XXXX people who had to go through several centuries of systematic racism and oppression.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
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: I booked the XXXX XXXX XXXX with via the XXXX website. Originally, I was flying to XXXX XXXX and I needed a hotel near where I was planning to visit, in XXXX XXXX. I utilized the XXXX website and found the XXXX XXXX XXXX. My confirmation number number was, XXXX itinerary : XXXX Checking in on Sunday XX/XX/2023 to Sunday XX/XX/2023. I wasn't familiar with this hotel since I live in the US ; however, I trusted XXXX 's website. I get off my plane and drive directly to this hotel to find out, XXXX. ) It is on a private road where the public ( including hotel guests ) are not allowed to drive on that road, period. We had to park XXXX blocks away and walk 10 minutes with all our luggage. The property manager later explained that we ca n't drive or park on this road. This wasn't described in the online description?! The hotel has XXXX access to parking and is located on a private XXXX XXXX. 2. ) The hotel isn't opened ( they don't have a permanent attendent at the desk ) so we had to wait for the hotel cleaner/maid to come and open the hotel for us. The hotel maid said she has to give us a key to the hotel door. They give their guests the key to open up the hotel door. There is no security, you just have keys given to the guests. The hotel cleaner/maid also didn't even verify our passports/or identification. She only asked for the name that the reservation was under. This raised a red flag for us for safety reasons. Also not described on XXXX 's website. On XXXX 's website, this hotel is marketed as a functioning hotel. 3. ) The manager took us up to our room and it was ice cold. There wasnt any type of central heating, only an old radiator that didn't work. To make matters worse, the bathroom had a clear class window that when we opened it, it opened to the wall that had black mold and pipes. That is a health hazzard! I'm not staying in a room where I'm exposed to black mold! 4. ) There was also people smoking hash in the hotel and we could smell it through the hallway. That is illegal in the XXXX and XXXX. I didn't want that in my pores. We called XXXX immediately and explained all listed complaints. They called the property manger who denied the refund. I told XXXX that we have pictures of the black mold and the radiator that doesn't work. This is false advertisement. The customer service agent said she couldn't provide a refund. That doesn't make any sense??? This was not an acceptable hotel and not what was advertised on XXXX 's website. The representative said the property manager would move us to a different room. Since we were offered no other option and we were desperate at this point ( in a foreign country ), we went back and the only employee present, the hotel cleaner. They only had two other rooms available to us ; one was filled with old cigarette smoke and the other room with pipe and black mold problems. The lady understood and said for us to call XXXX back and the property manager will provide us a refund. She said she just spoke to the property manager. When we called XXXX back the peoperty manager lied and denied it again. This was completely unacceptable and XXXX needs to give us a refund. We traveled overseas to arrive and go through this??!. We had to walk with our luggage back to our car and find another hotel. This was beyond stressful. I would like a full refund of {$100000.00}. I contacted Chase Bank and explained everything to the claims department. I stated that I have pictures and I would like to dispute this charge. The representative said he spoke to his supervisor who said that Chase can't dispute a charge based on an opinion. How is that an opinion?? I have proof via pictures. This amount is was charged on my chase card on XX/XX/2023 Sent from XXXX XXXX on XXXX
Company Response:
State: FL
Zip: 33462
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: We were sent XXXX XXXX percent XXXX promotional check from XXXX Chase in XXXX 2022.The XXXX was good on the balance for entire year - XX/XX/XXXX. I called to verify the use of the checks and information. We used the checks to the amount of {$15000.00}. During the next XXXX months our credit card payments were made to cover only the purchases over {$15000.00} since we had XXXX percent interest on that amount for a year. However, XXXX Chase credited our payments towards the {$15000.00} and not toward our other monthly purchases- News I received on a phone call with a representative. I would like the monthly interest fees from XXXX of XXXX {$80.00} and XXXX of XXXX {$240.00} credited back to us. I called and and emailed the XXXX Chase XXXX on XX/XX/XXXX, and they refused to refund and said the payment amount would always go toward the lowest interest rate balance on the card. This was not disclosed on the phone or written on the paperwork of the checks when they were mailed to us in XXXX of XXXX.
Company Response:
State: TX
Zip: 78130
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Hello my name is XXXX XXXX. I am reaching out for a second time because Chase has not resolved my issue or get my money back. I also reached out to The OCC I filed a complaint with them I also have a police report. I reached out to my local secret service here in Michigan. I also filed a complaint with the FTC and on the FBIs website. On XXXX XXXX I received a text message from the chase fraud team stating there was a {$490.00} transaction at a XXXX XXXX XXXX in XXXX Florida. I live in XXXX so I was nowhere near XXXX. I immediately responded to the text message by answering NO. I then received a reply saying I will be contacted soon. I received a called from XXXX. The person on the other end stated that He was a supervisor for The chase fraud department. He said that there were multiple transactions another one for {$9900.00} and 2 wire transfers for {$50000.00}. The person on the other end stated his name was XXXX XXXX. He explained to me that he wanted to REVERSE the transactions back into my account and took me step by step on how to do it. He then asked me to provide him with the one time code because it was sent twice to confirm my identity .The phone call lasted for over a hour while he was trying to REVERSE the money. He than said he will call me on XXXX XXXX. Which was a Saturday we talked for a few mins and I was advised that Ill get a call back. On Monday XXXX XXXX. I received a call again while I was on the phone with this XXXX XXXX I noticed money coming out of my account since I sign in daily on my mobile app. Than I received a call from THE CHASE FRAUD DEPARTMENT saying to hang up because there was unusual activity going on in my account. I immediately hung up on the other person. As advised I than went into a chase branch closed my personal account my personal savings and personal business. I filed a affidavit and a police report in the next two days. I waited for about a week just to get a message from chase saying that I was at fault for providing the CALLER the ONE TIME CODES I explained to them that I was clearly scammed. It showed exactly to whom the money was wired and into which banks and the chase fraud department still blamed me. I was confused lost for words. Not sure what to do. A {$100000.00} gone in minutes.One transfer of {$50000.00} went into a XXXX XXXX account to a XXXX XXXX and another {$50000.00} went into a XXXX XXXX XXXXXXXX account to a XXXX XXXX. I asked them since they blamed me how come they didnt NOTICE anything unusual. They have a department solely responsible to monitor customers accounts and they still let the transactions go .I did explain to them that I just want my money back. I would never willingly or unwillingly send my money to anybody especially to someone I do not know. They flat out lied by saying this was a payroll purpose They never called me warned me flagged these wires or anything. I just want this resolved the correct way. I got with in touch with Chase the same day the money was coming out of my business account. It is not like weeks or months passed by and things went unnoticed .I am embarrassed that this happened and that all of this has come to this. Its been 4 months and nothing has been resolved. I will again provide all the information that I had before. Thank you in Advance.
Company Response:
State: MI
Zip: 49418
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Ordered a birthday present from XXXX for {$1000.00} on XX/XX/22 which was to be delivered and the order has yet to be fulfilled. {$430.00} was the amount charged to the Chase card and never refunded.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A