Date Received: 2023-01-15
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I called my bank, JP Morgan Chase, asking why my checking and savings account were restricted considering that was all the money I own, all the money to my name. They said it was due to a recent fraudulent check that had returned. I tried to explain I was scammed the XXXX of XXXX. Ive endured hours on the phone with customer service to let them know in advance before the check cleared. I even have a police report to prove it. I asked if I could enroll in a payment plan to pay off the owed debtthe representative said only after the accounts were closed and when the balance was in collections I could do that. They refuse to give my back MY SAVINGS, and combined my money with the aforementioned owed funds on XXXX of my XXXX accounts. Thats bull, I wouldve liked to save my account if I couldve.
Company Response:
State: NY
Zip: 11691
Submitted Via: Web
Date Sent: 2023-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: REFERENCES : CFPB COMPLAINT ID SENT TO CHASE : XXXX ( XX/XX/XXXX ) XXXX Complaint ID # : XXXX ( XX/XX/XXXX ) CFPB COMPLAINT ID SENT TO CHASE : XXXX ( XX/XX/XXXX ) -- -- -- -- -- On XX/XX/XXXX I received an email from " Chase XXXX Executive Office XXXX XXXX that was dated " Tue, XX/XX/XXXX at XXXX PM ''. -- -- -- -- -- The email identified that I contact a dedicated specialist is XXXX XXXX, who can be reached at XXXX ( XXXX ) XXXX, extension XXXX. I am available Monday through Friday from XXXX XXXX to XXXXXXXX XXXX., Eastern time. It did not identify what was to be discussed if I did contact XXXX XXXX XXXX. Was it my past complaints or something new? -- -- -- -- -- So I called @ XXXX XX/XX/XXXX left message with no response by XXXX, I called again @ XXXX XX/XX/XXXX left message. their message said XXXX XXXX XXXX " was on the phone again '' No call back by XXXX and finally I called again @ XXXX XX/XX/XXXX left message. He was on the phone again with No call back by XXXX. -- -- -- -- -- As of this posting there has been no response from Chase, XXXX XXXX XXXX Given that the Chase XXXX Executive Office email had been sent on XXXX XXXX and there was NO identification that Chase 's representative, XXXX XXXX XXXX might be on vacation or the offices closed, I had expected a response. However like their secure email system, if there is an issue that reflects badly on their business, Chase chooses to avoid, not to respond. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I understand from Chase 's responses documented in my original CFPB complaints that their officers can lie, by stating I had " withdrawn the application '' ( CFPB feedback XX/XX/XXXX ) for a mortgage without any proof. In my case, I talked to Chase officers over an unrecorded line, where they stated that they would accept an inspection from any inspector, the office made an email request from me to contact the inspector and then they just canceled my application. When I contacted the CFPB XXXX ( XX/XX/XXXX ), Chase responded stating that I had " withdrawn the application '' on XX/XX/XXXX, I had not- I do not understand why it was necessary for Chase to XXXX about how my application was canceled unless denying a loan request just after COVID to someone over XXXX, a Veteran with XXXX and taking care of a senior citizen would trip some discrimination flags. This refinance would have changed my financial posture from reactive ( roof, doors other failures that contributed to my debt ) to proactive and prepared for retirement. So to mitigate the risk they lied and said I had withdrawn the application. I did not know I had " withdrawn the application '' till after my CFPB complaint, which had been prompted by a lack of documentation on the cancellation in my online application documents provided by Chase. -- -- -- -- -- Since I am a current Chase customer I tried discussing their lying over secure messages. After I had learned that Chase 's position was that I had " withdrawn '' my application on XX/XX/XXXX in the previous CFPB complaint. Chase did not respond to any of the communications so I filed another CFPB complaint XXXX ( XX/XX/XXXX ). In their response on XX/XX/XXXX Chase doubles down on the lie, claiming they will not change their decision " without new information '', that they will ignore, like they did the original, stating that nothing was to be said so they chose not to respond to my inquiries, even with a form response that they made to the first CFPB complaint. This was reflected in Chase 's response to the CFPB complaint XXXX ( XX/XX/XXXX ) -- -- -- -- -- The bottom line is that Chase made a decision based upon a lie that I had " withdrawn '' the mortgage application on XX/XX/XXXX, this date is based on what, the word of an upset officer? I did not know that I did not " withdrawn '' the application till their response to CFPB XXXX ( XX/XX/XXXX ). When I attempted dialog on the issue using their secure messaging they ignored the attempts instead of repeating their lies or even a form message response. Now they made an insincere attempt at contact, on XX/XX/XXXX, I called three times leaving messages, XX/XX/XXXX, 30 and there has yet to be a callback as of this posting XX/XX/XXXX.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-14
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Account # XXXX Account Number : XXXX | Routing Number : XXXX In XX/XX/2021, Chase Bank decided to lock and close my account with no email informing me of it. The very first Chase account I opened was back in XX/XX/2021. Right before this sudden closure, I unintentionally created a new Chase account while trying to redeem one of your offers for new customers. I believe that was what caused the closure, but I call customer service and they claim it was because my address at that time wasnt valid. I was staying on a college campus and used my dorm address. If this was the case, how was I ever able to open an account with yall in the first place? Your system waited a month later to figure my address wasnt quote-on-quote, valid? Account # XXXX Account Number : XXXX | Routing Number : XXXX I create a new account in XXXX. Everything was back good again. Since yall forced me to provide a valid address, I tried one of my statements that had my home address on it. It worked and everything was good again. Everything was good until the week of XX/XX/XXXX, when yall closed my account again while I was on a trip to XXXX. Im from the mainland, and that was one of my major sources of funds. Because yall closed this account, it left me stranded basically no money to pay for anything. I had to use my credit cards to sustain myself for the rest of my trip, take out multiple cash advances and even then, it was nothing compared to what I had in my Chase account. I had no support of funds while being stranded in the middle of the ocean. I had to open a XXXX bank account just so I could get another one as soon as possible, as yall banned me from having accounts with yall again. Your agents never made it clear on why I was banned. They claim that this is a normal protocol for customers that impose risk. They claim that because I disputed too many charges, I somehow imposed too much risk. This is what you put a loyal customer through? A customer whose account yall close and lock several times while holding their funds XXXX and he still decides to do business with you. The irony is its actually the other way around : you were actually a liability to me shown by your reckless and senseless actions. Its clear that you are so money hungry and will do everything in your power to hurt the innocent customer. This is how you like to do business? This is the legacy of a company you want to build? The reputation of a company you want to sustain? This is how you treat your customers? The company I trusted, the company I let steal from me, take advantage of me, abuse me any type of way, and ultimately bans me from ever using their services again, putting a bad mark on my banking report. Denying me of service, I will be filing a lawsuit for discrimination. - XXXX XXXX Student Phone Number : XXXX Email : XXXX Residential : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Mailing : XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX
Company Response:
State: IL
Zip: 60607
Submitted Via: Web
Date Sent: 2023-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX issued a check for an auto insurance claim payable to me and a lien holder. I, ( the account holder ) deposited the check into my account as the lien holder was listed on the check in error. Chase bank ( my bank ) received electronic funds from XXXX XXXX XXXX ( payer ) for XXXX. Chase bank has determined they can not negotiate the check because they can not validate the lien holder within their directory. Chase bank refuses to release the funds back to the payer ( XXXX XXXX XXXX ) so a new check payable to me ( the account holder ) only without lien holder data can be reissued. Chase has not released the funds and despite a conference call with XXXX insurance claims verifying the validity of the check, Chase is holding the funds and refusing to send the funds back to the issuing bank. Additionally, my accounts with Chase are frozen.
Company Response:
State: FL
Zip: 32257
Submitted Via: Web
Date Sent: 2023-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: I placed an order for 50-inch hair/wig/bundles in the amount of {$3100.00} from XXXX XXXX XXXX of XXXX XXXX XXXX XX/XX/XXXX XXXX The business told me to wire the money and I was immediately informed that he did not have the hair available. He told me that I would have to take him to court in order to get my money back. He refused to provide me with his address so the Sherriff could properly serve him. I had to hire a private investigator to obtain his address. The private investigator informed me that he was evicted from his residence. I had to spend another {$2300.00} on legal, court fees, and private investigator fees and we have been unable to track him down. He blocked me on XXXX, and he is currently on the run. He called me recently and stated that he does not have my money and neither does he have the hair business anymore. He said my order was held up in customs and that was not his fault. He also said there is a no return policy. This guy is a FRAUD and a SCAM artist. Please help me get my money back by reversing the XXXX XXXX. Please see what I have done to try and recoup my funds back On XX/XX/XXXX I asked for a refund and he refused On XX/XX/XXXX I filed a police report with the local authorities On XX/XX/XXXX I filled a claim with CHASE bank to reverse the transaction and they informed me that I would have to contact XXXX On XX/XX/XXXX I tried to reach out to XXXX but there is not live contact to dispute the matter On XX/XX/XXXX I filed a compaint with the internet crime compliance center On XX/XX/XXXX I fired a private investigator to obtain his residence, but he was evicted On XX/XX/XXXX I filed a court case, but can not pursue the case without his address and without being properly served https : XXXX? XXXX On XX/XX/XXXX He called me and stated the does not have my money and that my product was held up in customs and it was not his fault. He refuses to refund my money. I am scammed out of over {$5300.00} as a result of this matter. I am tired and exhaused and I need intervention. My bank, police department, goverment agencys, and county court have not been able to assist me. I desperately need help in this matter. I am seeking justice and need immediate assistance. Please help Please find the details below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Residence evicted from ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( possible current address XXXX XXXX XXXX, Florida XXXX XXXX XXXX, Florida Business Number XXXX cell Website https : XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 94609
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I am a victim of a scam. My chase account was compromised, I was contacted by someone claiming to be chase XXXXXXXX XXXX and provided all of the information needed to complete a wire transfer on XX/XX/2023 in the amount of {$8500.00}. Chase is holding me accountable when I am a victim of a scam.
Company Response:
State: CA
Zip: 91730
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: OK I had gotten a check mailed to me by TTX RAILROAD CAMPANY that I used to work for and no longer work for it was a payroll check. I tried to do a mobile deposit and I had gotten a message stating that the checking only be electronically deposited so I immediately went to a ATM because the banks were closed. It was XXXX XXXX XXXX weekend holiday thanks were all closed, I deposited it into the ATM. The ATM gave me a double balance so I immediately called Chase bank and said I wasnt trying to deposit this check twice. I have gotten a message from the message center from you guys stating that I need to be electronically deposited thats all I was trying to do. Please dont close my lock my account down or anything like that. The lady assured me over the phone that everything would be OK because I called and everything will be fine so I go to the next day to see if the funds were available and of course they werent said it would be released on XXXX XX/XX/2023. I waited till then, and the funds were still not released. They restricted my account. My account has been restricted Since XXXX XXXX, I have called chase bank. I have complied with everything theyve asked me to do to have the company called them to verify that the check is mine mind you the check is a chase bank check as well so they know the funds are in there and they know that by now the time has lapsed that the company wouldve put a stop hole on it or anything if there was any funny business going on Ive had payroll, call Chase bank and they said that they cant except that because the number isnt registered so they have to call XXXX now mind you that company that does the payroll and everything is in XXXX. I live in Florida I no longer work for this company and Chase bank is still having my account on restriction I have called I have been on hold for hours with no resolve, they keep telling me theres nothing we can do. Theres nothing we can do and if I dont get this resolved, theyre threatening me with closing my account out and mailing the checks back to the issuer I know by law that they have a certain amount of time to release my funds and they are way over it, Im at a loss I really need some help here Im reaching out contacting you guys to please help and every time I asked to speak with somebody higher they made me make me wait on hold in while Im waiting on hold for hours the phone will just hang up and in the meantime, I have had from my second job, a payroll check being been deposited into my account and they have a restriction on that money as well. I have significant amount of money in my account and Im not able to get to my phones because they put a restriction on it. I called them and explain to him everything, they keep saying to the back of the house they go into a branch they say its the back of the house I would really dislike my phones to be released so I can take all of my money out of that account close it and wash my hands with a chase bank I shouldve known I shouldve never opened account with chase bank
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have notified Jpmcb of the continued disruption of my financial health due to identity theft and fraud they have did nothing to get rid of the fraudulent XXXX debits coming for my account the fraudulent cash app transactions and as well as debit card usage I dont even know what to do moving forward at this point as it stands I owe chase just a little under XXXX XXXX which I find completely ridiculous since they failed to protect my account from fraud I Demand that the fraudulent transactions be removed from my account immediately and that they clarify on where the fraudulent credit card has been open I have only ever had XXXX not XXXX credit cards with chase and the credit card that I do have from chase is riddle with fraud and they refuse to take care of the issues please help me get all this fraud off of my chase account and get it reopened I can provide a police report if necessary.
Company Response:
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX XXXX XXXX XXXX totaling {$3800.00} were made using my Chase debit card from an XXXX XXXX which used facial recognition. I have never owned an XXXX I have an XXXX and have since they came out. Chase has put the money back in and taken it back out XXXX times saying I approved the transactions. They were all XXXX made same day from XXXX XXXX XXXX and I live in XXXX Chase refuses to settle my complaint even though I have submitted phone records showing apple phones, XXXX XXXX XXXX showing my debit card. I need this money back in my account and they just transfer me around with no solution.
Company Response:
State: TX
Zip: 76051
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for the XXXX XXXX XXXX card with Chase because on the XXXX website they were promoting a " Get a XXXX XXXX Dollar Statement Credit after your first purchase.Opens Offer Details Overlay * Plus earn XXXX points after you spend {$500.00} on purchases in the first 3 months ''. After applying for the card, being approved, and immediately making my first purchase of XXXX flights, I received my billing statement. Upon reviewing my billing statement I saw that the {$200.00} credit had not been applied. I called the company and they are now saying that the promotion I have is indeed another one, but I told them that that is impossible since the only marketing I ever saw and clicked on was for the promotion stated above. They are now going to send me a letter in XXXX business days explaining their reasoning. I find it extremely unfair to have to pay a {$69.00} annual fee for the card, and they not hold up their end of the bargain. If anything I should've just bought the flights without applying for the card!
Company Response:
State: TX
Zip: 78542
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A