Date Received: 2023-01-11
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: After I file a complaint regarding XXXXXXXX XXXX XXXX deceptive act to CFPB. XXXXXXXX XXXX summoned a Court Order to me on XX/XX/XXXX, to foreclose on my Home. The actual Court Order is dated 2 months before the enforcement actions ordered on XXXX on XX/XX/XXXX. Subsequently, my wife is leaving the property in fear of being homeless. Is that a legal Enforcement Action?
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX I initiated a transfer from Chase checking account to transfer to my XXXX savings account. On both XX/XX/XXXX & XXXX when I would look at my XXXX app online it showed the deposit as pending. On XX/XX/XXXX the amount was no longer showing as pending and was not applied to my account. I initiated a chat with XXXX and was told by a rep that the amount was received on XX/XX/30 but there must be a problem on Chase 's end. I contacted Chase and was given a completed transaction number. Since then I have been back and forth with Chase and XXXX and neither are able to assist with a resolution. XXXX says they don't have it and that I should have Chase initiate a reversal or stop payment. Chase says they are unable to do either of those because the transaction is complete.
Company Response:
State: SC
Zip: 29485
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/2022, I was called by Chase Bank customer service. They stated my account had fraud and an unauthorized person was able to login to my account in another location. They stated I had to deactivate my account and create a new username and password. As we proceeded further the fake chase bank who identified as chase bank with their phone number and caller ID wired themselves money from my account. I did not authorize any of this. Nor did o ever receive anything from real chase bank to validate this wire transfer or label it as fraud. Chase bank did nothing to prevent ALL of my money from being wired to an account I never sent money to before. They 100 % impersonated chase bank employees using names, locations, numbers and ID numbers. I filed a claim to chase bank and they stated it was my fault. However, XXXX did nothing to prevent this wire. On top of this I reacted and was in chase bank on the phone with the scammer as it was happening. They did not react with urgency and did not care to do anything. They stated its my fault which is a lazy excuse to avoid helping a loyal customer. I am begging for help in receiving my money back as chase bank is the true issue here and not me. {$7600.00} was wire transferred to a XXXX XXXX XXXX bank on XX/XX/2022 XXXX est. Thank you, XXXX
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: JP Morgan after banking with them for several year has now " locked my profile '' and disabled my ablity to log-in online for two days in a row. They have claimed that this was due to a " negative '' account balance, when that occurred in only 1 of two accounts I have due to a unrecognized/fraudulent transaction. After calling to plead with them to allow me to get back into my account, they granted it. Only to lock up my funds in my investment account with them and now allow me to transfer any funds out claiming the account was " restricted ''. And they've decided to " close it for businesses reasons '' on the second day ( just a few moments ago ) with no explanation. In short, they're freezing my money. And clearly violating the XXXX legislation by being able to see both my deposit and investment accounts and admitting to it over the phone.
Company Response:
State: CT
Zip: 06042
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: on XX/XX/22 I received a text message from Chase of a potential fraud charge on my business debit card, so I checked my bank account and sure enough there was a charge from a XXXX XXXX XXXX, FL ( I live in XXXX ) so I responded " No '' because it asked if it was me. I immediately got a call from a person that claimed to be with XXXX XXXX XXXX XXXX. I checked the number and it matched the number on the back of my card, so I felt like I was on the phone with Chase. They verified my account and as he was trying to cancel the fraud purchase he said that they tried to wire {$24000.00} out of my account and in order to stop it, we had to duplicate it. Once again, since the number matched the back of my card, I felt like I was doing what the bank was telling me to do. As soon I did what the person asked, I immediately felt something telling me it was fraud, so I hung up and immediately called XXXX to do a swift recall on the wire transfer. They told me it would take 3-5 business days to complete. In the meantime, they were able to take reimburse me for the fraudulent charge at XXXX XXXX XXXX I figured they would have an easy time to get the recall done as well. After XXXX business days, I had heard nothing in regards to my claim, so I went to XXXX and XXXX told me that they didn't have an update and to check back in XXXX business days. This happen 3 times before finally the manager at the local branch told me that my claim was denied. I then filed a complaint with CHase in order for them to reimburse me because it was a fraud charge, followed by a phone call from the number on the back of my card, so I feel as though they should be responsible for this kind of fraud. It wasn't like I was trying to transfer money to a XXXX prince, but literally doing what I felt like the bank was telling me to do. This claim also got denied. So, all my savings in my account got taken from me and XXXX just continues to turn a XXXX eye to the situation. I have no money to feed my kids, pay rent, pay bills, pay credit cards. My credit cards with XXXX are racking up late fees and continuing to tank my XXXX XXXX and they aren't even willing to give me grace on the late fees. I don't understand what XXXX XXXX is in having a bank keep hold of your money if they aren't going to do a better job of protecting it. I am completely devastated and not sure how I am supposed to rebuild what was wrongfully taken from me and XXXX seems to not care. I have been with XXXX for over 15 years and I have never needed them to protect me until now and they just don't care. I have filed a complaint with local news outlets, FBI cyber, etc. I have not received any communication other than " Sorry ''. Please help me get my money back or at least some kind of reimbursement for XXXX not doing a better job of protecting my money. I have never made a wire transfer, so to me, the bank should have froze the wire considering it was in the amount of my whole savings account. Banks are well aware of this type of fraud and for them to have better protection is ruining lives. They need to be held accountable.
Company Response:
State: GA
Zip: 30102
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Problems at the end of the loan or lease
Subissue: Problem when attempting to purchase vehicle at the end of the lease
Consumer Complaint: At lease origination, my contractually-documented residual value was determined to be {$19000.00} for my 2020 XXXX XXXX XXXX At the end of my lease, my account was debited for an extra lease payment because Chase XXXX does not stop charging automatically at the end of the lease term and it is the responsibility of the customer to manually stop payment set up in their system. When I called to report the overpayment, I was told by Chase customer support that this amount would be used to reduce the payoff amount on my vehicle. I was charged {$420.00}, which should have reduced my payoff to {$18000.00}. I was told to pay {$18000.00} to purchase my vehicle after this extra payment. This is a difference of {$90.00} that was taken by Chase with no explanation.
Company Response:
State: OH
Zip: 43221
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Even within a Statement period, if a promotional transfer offer is taken, you are forever prevented from paying off the initial purchases without first paying off the promotional amount. All future overpayment is allocated to the interest free promotion negating the " interest free period '' advertised and forcing the consumer to pay the significantly higher interest for the remainder of the period. This is the only company that I have dealt with that will not allow the allocation of a payment to be placed toward higher balances. Initially with the transfer, I had paid the " interest savings balance '' I did err in paying immediately after the transfer. I immediately called to the supervisory team to see if I should reverse both transactions. The payment was reversed and I was advised I would be able to call back and be told what to pay to allow me to pay off new purchases and leave only the balance transfer and promotional purchases through XXXX. Instead, I am locked into paying for all other purchases prior to the transfer and thereafter until the balance transfer is paid. Meanwhile, I paid a 4 % upfront transaction fee for this debacle. I intend on paying off this card and forever moving away from chase CC 's. This entire process seems designed to entrap those with balances into paying interest. The frequency with which offers were sent to our home after we had maintained a balance is disgusting now that I have this insight. This is my first balance transfer on my XXXX card and rest assured, it will be the last.
Company Response:
State: VA
Zip: 23602
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On XX/XX/2022 we, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX of 10 years with major corporate clients such as XXXX XXXX, had a meeting with a representative from Chase Bank, XXXX XXXX, a personal business specialist. We stated we wanted to move our business checking over to Chase Bank from a small mom and pop institution due to our financial growth that the mom n pop couldnt handle nor offer adequate business services. We wanted to make sure first when we brought corporate checks worth over XXXX from our client that it would not be held or would be able to be available within a reasonable amount of days two to three days. This was to better prepare us to switch so much over to Chase, the accounting software, our subcontractors, our bills, etc. Whatever it takes replied XXXX as he responded we should have no problem with all that. We stated to XXXX that the check would be in the amount of {$100000.00} are you sure there wouldn't be a problem with us depositing this check with no outstanding holds on the money. XXXX reassured us that there would be no problems, he was the guy that could get the job done. He would just have to click the button and he can take the hold off the check. This is exactly what we were told. on XXXX third. We brought the check to Chase Bank in XXXX Connecticut branch XXXX XX/XX/XXXX in which the check was given to branch manager, XXXX, who walked to the counter to begin processing the deposit. XXXX then told us that the computer showed it would be cleared 4 days later, XX/XX/XXXX, we were very pleased with this. Saturday morning Chase now extended the hold to XX/XX/XXXX. We were first told by XXXX and XXXX this was due to a problem with a XXXX XXXX check bouncing or something. Then by Monday XX/XX/XXXX after involving XXXX XXXX to alert them of the issue with check it was then said per XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX of XXXX that Chase has a policy that all checks from XXXX are held two weeks due to what they suspect was some past fraudulent activity ( somebody trying to deposit a XXXX check that wasnt theirs ). They gave XXXX their Key contact person to call to verify the check is viable and no stop payments were to be made. This should allow the funds to be released sooner than XX/XX/XXXX, according to them. We then discussed with XXXX, we asked him to do the homework back in XXXX to check if we would have a problem with depositing a XXXX XXXX check, did he know of this policy? He replied he didnt know, we dont believe XXXX or XXXX truly looked into this. We told them who the client was, we discussed the amount, and we feel they should've looked further at which he could not give us a straight answer. He said I don't know what's going on. I've never seen this in my life let me call somebody and escalate this. On Tuesday afternoon around XXXX XXXX the highest escalation dept calls us trying to resolve the situation.They wanted to keep the hold in place. The individual XXXX a representative of complaints ' escalation then tells me that due to the fact of a high deposit, the account was flagged he could see the credit of {$25.00} opening the account he could see the credit of {$6800.00} check from a XXXX XXXX and then he could see the {$100000.00} XXXX XXXX check. In no terms did he bring up any policies other than that it was a question in the deposits being made into the account and they are required to hold the check longer. He then refused to give me his last name or badge number when I asked for it. I became very upset at this because XXXX XXXX are relying on this money to keep their businesses open and they have threatened to post negative info about this on social media platforms and discuss contacting XXXX XXXX, breaking our 3 year contract. I am relying on this money to keep my business open, currently all operations for all our 6 businesses are now shut down.Our credit score is dropping by the minute due to late payments or no payments being made to any of our bills. XXXX are being returned for mortgage payment, lease payment, truck lease payments, ruining the credibility of our company, everything took 10 years to build. I have never not paid a bill while in business. This was something between these two organizations which was never brought to our attention. No policies were brought up in person or on phone, nothing that ever reflected that there was a policy in place against XXXX XXXX from Chase Bank. Also XX/XX/XXXX we filled out a business credit card and still have not heard ....
Company Response:
State: CT
Zip: 06111
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened a checking account with chase bank and my funds cleared and I tried to XXXX money and it froze my account up and they will not release my money to me it's around XXXX XXXX dollars please have them send me my money it's been almost a year now this is not right what chase has done to me
Company Response:
State: MN
Zip: 55303
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I opened a Private Client Account with JP Morgan Bank in XXXX, NY XXXX in XX/XX/XXXX it's been a Private Client account until XX/XX/XXXX when I closed the account for denying me the {$2000.00} Bonus for opening the account. I contacted XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Member of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NY XXXX after trying to resolve the issue with JP Morgan Chase Bank in XXXX, NY XXXX branch # XXXX. I have bank account receipts from XX/XX/XXXX thru XX/XX/XXXX describing the type of account ( XXXX XXXX ) I have at Chase.
Company Response:
State: NY
Zip: 127XX
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A