Date Received: 2023-01-11
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On Thursday I went into the Chase Bank XXXX location and ask to speak with a manager. The manager than came out and I introduced myself to him he ask me my issue I explained to him that I didnt want to discuss my issue in the middle of the bank so I ask if he had a better location to sit down and hear my concern and issue so he directed me to a cubicle and we sat I said Im mad as XXXX excuse my XXXX he replied and said I dont tolerate that language I explained to him that I wasnt directly XXXX at him Im just a lil frustrated because I dont know whats going on with my account and my money he begin to attempt to look into my problem he ask me for the checks and Id I only had my passport. He begun to explain the polices about why checks have holds and I explained to him that I was given a date that my funds were suppose to be available of XX/XX/2022 then on that day a hold was put on my the checks until XX/XX/XXXX which seemed to be odd to me. I also explained to him that I had been on the phone with representatives and the advised me to come into a local branch So I came into this branch to get clarity the branch manager got a XXXX XXXXXXXX with me and said did you hear what I said and I replied no because the policy he was explaining to me didnt make any sense to what was in fact going on in my current situation so I replied Im just mad as XXXX that I have to even go through this and the branch manager closed up my passport and handed me back my checks and passport and told me that he could no longer help me I asked why and he said because I keep XXXX I replied what did I say XXXX XXXX XXXX Im not directing anything towards you he still wasnt trying to hear anything I was trying to say he got up we both had words back and forth with each other I had both my phones in my hand I ended up dropping one of my phones because I had to many things in my hand and as I went down to pick up my phone the branch manager XXXX at me. So my reaction was to XXXX him back he started yelling at me he to get out the bank so I complied and left and he called the police on meXXXX Since this incident all my accounts have been closed. I was stuck in XXXX on XXXX XXXX I havent been able to eat I have XXXX kids not have I been able to pay my bills all an inconvenience because a man decided to XXXX at a woman for needing clarity with her account. Which the branch manager admitted to the The XXXX police Department who was called out. I talked to XXXX XXXX XXXX XXXX Report # XXXX
Company Response:
State: CA
Zip: 94608
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I filed a dispute for a charge with XXXX, who once again had sent me an item that did not work. This was a XXXX photobooth camera. As I was putting it together, I noticed, it had a lot of dings and starches on it, it was also warped, and the logo sign was bunched up nor would it even come on. I immediately reached out to the seller, he first tried to get me to call their XXXX XXXX team, I refused because this was supposed to be a new item and it was apparent that it wasnt. I also provided pictures. Eventually the seller sent me a return label, which I had to pay an additional {$8.00} to have XXXX XXXX to pick it up, this thing weights about XXXX. Once I returned the product, I contacted the seller again asking when he was going to refund my money. The seller says he has to wait until the return make it overseas and then I would have to wait an additional time after it makes it there. The seller also made a weird comment as he has someone at XXXX to check the product before they ship it ( not true ). I told him that it had already been checked in according to the tracking label. He continued to stone wall. I asked XXXX to step in to get me my funds back. They acknowledge that the seller was not being honest and that if he had not refunded me by x number of days, they would return my funds. Once XXXX failed to return my funds in a timely matter, I filed a dispute with XXXX. XXXX said that they would issue a provisional credit that day. They did issue that credit the following day. XXXX or XXXX days after that XXXX issued my refund. I contacted XXXX that following day to advise them that I had gotten that refund from XXXX and asked them to remove the provisional credit from my account. I was told it would be removed I think XXXX or maybe XXXX days later. I asked if they could remove it asap. The reason for that is because I do a lot of online shopping and sometimes it takes a while for the funds to be removed and due to my issues with memory loss, I sometimes lose track and being it was such a large amount in comparison to my other purchases. The rep stated that she would reach out to leadership to see if they could remove it earlier, I was told they would and a few days later it had been removed. Mean while my purchases were not going through so I would use a different card. Eventually I called to find out what was going on with my card. The automated system stated that my card had been suspended. I spoke with a rep and was told that my account had been closed and I would not be able to open another account with chase. I asked why and was told per my agreement with chase they do not have to give me a reason for closing my account. At this point I still had about XXXX in my account, so I attempted to send it to a different account, but I got messages saying that the transaction had been cancelled. The following day which was XX/XX/XXXX, I went to chase to close the account completely out and get my funds because my direct deposit from work had been deposited. When I first got there, I told the young man at the front that I wanted to close my account and withdraw my funds. He said that they did not have a teller in at this time. The teller was at lunch. I left came back and was told that they could not give me my funds because my account was restricted. The XXXX came and told me she would have to get permission to release my funds. I had {$900.00} in my account again because of my direct deposit. The young man called their back office and was told because I had some open claims, they could not close my account until they were closed. He said that he has been authorized to release {$770.00}, until the claims were closed. I advised that there were no open claims on the account because I had withdrawn the XXXX claim and the provisional credit had already been removed, which I believe was {$1000.00} ( something like that ) I told him that I am ok with the {$770.00} until they finish the process. He walks me over to the teller to withdraw those authorized funds. The teller says it still would not allow him to release my funds. They then say that they would call back to get the funds released. I had already been in the bank for a while and I had my brother in the car waiting for me, so I told them that I would have to leave and come back. I told them to give me a call when they get it figured out. About XXXX minutes later I get a call from this same young man, who says that. I had XXXX or so claims on my account in the last year so they could not release my money. They said that I still had an open claim for XXXX for XXXX XXXX which was a reoccurring payment, so until that is settled, I could not get my funds. I went into my XXXX XXXX account to prove to them that my account is active on my annual subscription and its renewals on XX/XX/XXXX. I attempted to fax it about XXXX times, and I continued to get an error message stating the fax signa was not strong enough to except the fax. I called and asked for a supervisor, and she asked me what fax number I was sending it to, she then informed me that it was the wrong number, she gave me another fax number. Today XXXX XXXX called me and said that the bank rejected their request for payment, because my account had been suspended. They informed me that the full balance is now due, because of the missed payment. There was a payment rejected on my XXXX XXXX account, and I also have another payment due on my XXXX account. My business insurance from XXXX XXXX XXXX payment was return and my policy is about to be cancelled. I was not aware of a number of amounts of dispute that can be made on an account. I have had physical evidence for each claim and offered to send it in with each claim. I was told to hold it and they will notify me if they need it. They have never asked for it. I think Each claim went in my favor, except for XXXX XXXXXXXX, who charged me a yearly subscription for a product that I received for free through XXXX XXXX XXXX XXXX. After they denied that claim I sent the proof that my college had provided me with that product for years. I explained that when I reset my computer, I attempted to redownload the product and that is why they charged me. I advised them that I had been trying to contact XXXX and was being sent in a circle never being able to speak with anyone They still denied my claim. I recently file another XXXX charge where I order XXXX item for a sticker for, I think XXXX. I was charged for XXXX order they also sent me XXXX orders, but I only order XXXX. I got a notice asking for proof of my claim. They asked to be to provide proof that I never received the item, or something that had nothing to do with the dispute. I responded by asking to have my dispute transferred to someone in the XXXX. I had Implied that there clearly was some kind of language barrier because, that was not the nature of my dispute. The next day they denied my claim. I called in to complain about this action and was offered a {$20.00} credit instead of continuing the dispute, so I accepted. I believe about XXXX percent of these calls across the system is being handle by people who can repeat English but doesnt comprehend the language. I have stop calling in the XXXX ups. I have to go without groceries because I thought that this would be resolved. I tried to log into the account today so that I could provide you with correct dates and amounts as well as other details, but my online account is now locked. I am a compulsive shopper ; I do not like shopping in brick-and-mortar stores so there are a lot of online shopping. Which also mean I do not get to touch or feel my product until it gets here. In XXXX I made about XXXX orders on my XXXX account alone. Why am I being punished for filing legitimate dispute. Thanks XXXX XXXX
Company Response:
State: NE
Zip: 685XX
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: This is regarding the Wire Transfer Froud Claim with Chase. I object to the decision that my claim is denied without reimbursing me for the unauthorized transactions that were posted on my checking account. Im appealing the decision. Please see the details below : On XX/XX/XXXX morning, I discovered almost all my funds on my Chase checking account were gone. I first called Chase to report the incident at XXXX XXXX. There were total of XXXX unauthorized wire transfer transactions out to a bank in XXXX to a person that I have no knowledge of. Among the XXXX unauthorized transfers, XXXX of them were with the amount of {$3500.00}, and XXXX with {$3000.00}. XXXX transactions were made on XX/XX/XXXX and XXXX more were made on XX/XX/XXXX. That is a total of {$27000.00} were taken out of my account without my knowledge or authorization. I have no knowledge of the payee, the destination bank or anyone in XXXX. I have never given or tricked to give any authorization via my phone, PC, email or text. During the call with the Chase Representative on XX/XX/XXXX XXXXXXXX XXXX the Chase Representative informed me that I should have received text messages for any outgoing wire transfers, and after her initial investigation, she told me the reason I was not able to receive any notifications was because my phone number was changed by someone else, and Chase XXXX to inform me by email or any form of communication that my phone number was changed in order to protect my personal account information, especially with phone number being critical for XXXX authentication and receiving any notifications from the bank. Since this is a fraudulent activity and identity theft case, I have filed a Police report immediately on XX/XX/XXXX with XXXX XXXX on-site. The Police Report # is : XXXX, which is attached with this message. After receiving the Unauthorized Signature or Forged Item Declaration on XX/XX/XXXX, on XX/XX/XXXX, I went to the Chase XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX with XXXX XXXX, Relationship XXXX XXXX, I faxed the form along with the copy of police report # to the Claim department. I called the Chase claim department after leaving the bank XXXX XXXX on XX/XX/XXXX XXXX XXXX, the representative informed me it would take XXXX days for the decision to be made. On XX/XX/XXXX at XXXX XXXX, I called again to the Chase XXXX department, XXXX representatives XXXX and XXXX informed me that case was denied on XX/XX/XXXX. Chase failed to inform me by email, phone, text message or any type of communication about the decision under the very distressed situation. And there was no way for me to speak directly with an agent who is involved in making the decision. And Chase also failed to provide written copy of the investigation report that can be used for filing complaints and lawsuit. Im appealing the case. Jet has indicated that he has appended the information above to the case, and I should get a response from the back office within 2 days. I understand that Im protected under the law of Electronic Fund Transfer Act ( XXXX ), and please advise what I can do or any information I can provide to assist with the investigation of these unauthorized wire transfers. We will subsequently file claims to The Federal Bureau of Investigation, chase regulator Federal Reserve Bank XXXX New York, Federal Trade Commission and the Consumer Financial Protection Bureau. I'm requesting the CFPB 's assistance to reevaluate my case with Chase and audit their process in protection consumers and how they form their decisions. And I'm also requesting them to provide transparency of the stages, as well as a copy of the detailed investigation report that can be used for lawsuit if the case is again denied. Thank you.
Company Response:
State: CA
Zip: 91765
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX I received a text message at approximately XXXX in the morning was I trying to attempt {$390.00} at a XXXX XXXX Reply XXXX or XXXX so I replied No! A little after that I received a call from XXXX was I trying to transfer {$20000.00}? I told them No! Then right after that I received yet another call from XXXX that someone was trying to transfer an additional {$5000.00} dollars at that time I asked the associate what was going on and he told me that they were attempting fraud on my account and that was all of the information he could give me. Once I hung up with him I immediately called XXXX myself and was connected with the fraud department and started asking more questions and that's where they started to fill me in that they had committed fraud on my account and they were able to stop the {$5000.00} dollars, but the {$20000.00} had gone through to someone by the name of XXXX XXXX located in XXXX Georgia ( who I absolutely do not know )! I don't know anyone in Georgia as I reside in XXXX XXXX, Tx. At that time we began my claim and they walked me through steps to delete my account and App and notified me that my account which the transfer occurred in would be frozen then terminated all together. I stood on the phone with them for hours as I talked to many individuals that day ( see call log for the XXXX attached ). My account was frozen and I had no way or means of accessing my money until I had to get another debit card for another account I had. Chase notified me that because it was over a certain amount of money, they would have to send me some paperwork to fill out so I waited. Once I received the paperwork, I filled it out and submitted it back to Chase. After waiting and waiting I finally received a response from Chase stating that they were not going to be returning my money because they found that I had voluntarily given my information out and this was my fault! So here we are! I Did Not Authorize for any amount of money to be withdrawn from my account, never gave anyone my information ( not even my own kids have that info ), never filled out any paperwork for money to be withdrawn, never spoke to anyone about withdrawing money to someone I Don't Even Know!!! That money was from an inheritance I had received from my mother whom I had lost XX/XX/XXXX. I had plans to do some things to our home that mom couldn't do because she passed on. There's No Way I would have just given that money away like that especially to someone I Don't Know!!! I asked Chase many questions but was told this was an ongoing investigation and they couldn't tell me anything! I don't know why Chase couldn't contact the other bank where the money went to, and try and reverse the transfer? I feel like my hands are tied behind my back as I am one being against the machine. All i want is my {$20000.00} back because I didn't authorize that transfer and I trusted in Chase to have my back and protect my investments with them and this happened!
Company Response:
State: TX
Zip: 79915
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: My wife and I wanted to buy a puppy and she found what she thought was a reputable breeder that had puppies for sale. The price was in line with what other breeders were charging. A deposit of {$400.00} was required, which we thought this was reasonable. The breeder wanted to use XXXX for the deposit transaction. We were not familiar with XXXX but the breeder said XXXX was offered thru our Chase Bank. I went online, logged into our XXXX account and saw XXXX listed as an option to use for making payments so we thought XXXX had to be secure, right?? Shortly after my wife completed the XXXX transaction, the breeder basically quit communicating with us and we knew pretty quickly that we had been scammed. I immediately called the XXXX customer service XXXX number asking for the transaction to be reversed and was told the fund transfer could not be reversed and there was nothing XXXX could do even though the scammers name and account # appears on my XXXX statement. The next day I spoke with my local XXXX office and was again told the transaction could not be reversed and also told that even though XXXX appears on the XXXX website, it is a third party not controlled by XXXX and therefore my money was gone. ( I just recently found out that XXXX XXXX has XXXX in XXXX ) XXXX XXXX still has a significant presence on the XXXX website. Why? Scammers present XXXX as a safe secure method of transferring funds. Scammers point out that XXXX is on the XXXX website so its got ta be safe, right?!! In fact, up until recently, when I'd access my XXXX account on line, a pop up box would ask me if I want to activate the XXXX feature. In an effort to gather as much information as possible to include in this complaint, I recently spoke with my local Chase representative ( who is the same person I spoke with back when I was scammed ). He said that, yes, there is still information about this scam noted on my account history ( including his notes and the inquiry he submitted up the ladder back then ). I asked if I could get a copy of that info to include with this complaint. He said he would check but called back and said the XXXX XXXX department said no, I could not have this information, unless I had a subpoena. WOW! Great customer service... Why can't I access information about my own account? I would like to submit a complaint to the Consumer Financial Protection Bureau, asking for the CFPB to convince XXXX or XXXX to refund my {$400.00}.
Company Response:
State: MI
Zip: 497XX
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 using a debit or ATM card
Consumer Complaint: Unauthorized Card Transaction : On XX/XX/XXXX, I was reviewing my transaction from chase bank checking account and noticed transaction ( s ) that I did not make. I had my debit card in my possession and did not authorize anyone to use my card or my account and I didn't lose any phone or tablet but someone used outgoing wire transfer. XX/XX/XXXX {$10000.00} + {$75.00} fee XX/XX/XXXX {$1200.00} + {$25.00} fee Total {$11000.00} + {$100.00} wire fee So I called to chase fraud center on XX/XX/XXXX and made claim, the claim number is XXXX They said they will call back to me about this problem within 5 days but I did'nt get any response so I spent 1 week And I called again they said the claim is denied. Chase says they are not at fault and it's my fault. I didn't even get any calls and email for confirm this transaction. This is chase security issue. They even told me to contact the person who sent the money. Of course I don't know who they are. I think it's something I made up. I asked chase supervisor what to do. She told me report the police so I did.
Company Response:
State: CA
Zip: 90057
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: Deposits and withdrawals
Consumer Complaint: XX/XX/23 fraud Amounts withdrawn from account {$500.00} XXXX {$1200.00} paypal {$240.00} XXXX XXXX I informed the company that these were fraud transactions and that though i authorized this amount to be sent. I was forced to send this money over because I was threatened to otherwise my one of my family memebers was going to be harmed. I was told that there was nothing they could do for me because i didnt contact the police first and because i authorized the transactions. ive been a memeber with chase for XXXX years. ive never reported fraud before. I felt as my report was disgarded and not taken serious and should be refunded the money.
Company Response:
State: CA
Zip: 90012
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was not given what I paid for by a merchant ( XXXX XXXX ) on the Day of XX/XX/2022. I waited for another XXXX weeks for them to provide me with the documentation they said they would provide minutes after the payment was made. That never happened so I filed the report with the bank who temporarily refunded me the {$1100.00} that was charged. On XX/XX/XXXX after their investigation was concluded the funds were reversed because there was a Peer to Peer XXXX transaction done that was not within the chargeback parameters. I then called back Chase Bank in mid XXXX to show that I had recorded the conversation with the XXXX Representative and how could I submit the documentation. They said fax the link over to the back office with the claim number. This would later be ignored because they did not view the submitted link for review or send to the insurance department for fraud coverage. Yesterday I spoke to them on the phone as well regarding the issue and they were very biased about documentation and said only the company could say it was an incorrect charge. I never knew about a third party in the mix with the debit charge and was never told of this. That means the charge was not authorized on those terms by me or any parties connected to me.
Company Response:
State: CA
Zip: 90280
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/2022, I fell victim to a text based phishing attempt that eventually ended up with me being defrauded of {$22000.00}. The text appeared to be from Chase and involved me replying to the text saying No to a supposed wire transfer attempt. A person claiming to be a Chase XXXX XXXX member called immediately and through the process ( for which there are a lot of details I can provide ), I ended up wiring {$22000.00} to the fraudster and Chase couldnt get the wire recalled. I continued to contact Chase, explaining the reasons why my situation should be investigated, and their canned reply was that I would have to pursue the matter outside of Chase. The recipient bank of the fraudster, XXXX XXXX XXXX wanted a Hold Harmless letter to send the funds back, but Chase XXXX have one. Where my complaint comes from : 1. Chase didnt immediately lock my accounts. This has been their normal process and when my mom tried to send me a XXXX payment for {$5000.00} to cover a mortgage payment I could no longer afford due to the fraud, Chase ( her bank, also ) immediately locked her account and declined the transfer until she called them and gave permission. 2. I received an email that the fraudulent transfer had been initiated, followed by an email that the transfer was canceled. Thats what I would expect. However, 2 hours later I received another email saying that the wire transfer had been processed. The stated wire transfer recipient is me, but spelled XXXX XXXX. This is due the fraudster manipulating me via phone to submit the wire transfer. The recipient was listed to be me. In the body of this same email, it later says that the recipient is XXXX XXXX. This is due to the recipient field being pre-populated with XXXX recipients via a drop down menu, of which one was XXXX XXXX. I always thought I was wiring myself to recall the transfer. XXXX. Ive spoken to so many different Chase reps, XXXX visits to the local bank and via secure messaging with multiple internal teams and my case was closed XX/XX/XXXX with me being out {$22000.00} with no recourse other than to take them to arbitration/sue for negligence. Chase not only failed me by their internal processes failing and/or not being followed, but failing to detect what is an obvious breach of my online account. Subsequently, Chase also showed XXXX effort to investigate what actually happened because the transfer was initiated by me, even when I told their wire team exactly what happened. They couldnt even provide a letter that possibly would have gotten me my money back
Company Response:
State: TX
Zip: 77406
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 using a debit or ATM card
Consumer Complaint: I received a XXXX payment request for {$540.00} for XXXX This was a fraudulent request I logged into XXXX and saw the request There was a note on XXXX that said that if I didn't make the transaction, i should report it to the Fraud investigation team at XXXX I called this number thinking it was the XXXX XXXX investigation team they answered the call saying " XXXX XXXX XXXX ... '' they asked me to download the XXXX app to my phone so that they could see my activity, for the purpose of protecting me from future fraud they proceeded to ask me to log into XXXX, XXXX, XXXX, and XXXX. ultimately they asked me to add the recipent " XXXX XXXX '' to XXXX and XXXX for the purpose of verification and also to cover all of the bases for protection I did what they asked and then they asked me to type in XXXX on XXXX and send I ended up being scammed into sending " XXXX XXXX '' {$1000.00} I realized I had been scammed and hung up and called XXXX XXXX XXXX immediately to stop the payment which was still pending. They said there was nothing they could do except file a fraud claim, which I did. They then told me to call XXXX. I called XXXX and they said the only thing they can do is to alert the recipient 's bank of the scam. I'd like to file a complaints against both Chase and XXXX for not working with me to refund the money that I was scammed out of, especially because I called immediately while the payment was still pending and they didnt act quickly. scammers make millions off of the third party payers like XXXX and XXXX because they offer no protection to clients. They have an obligation to protect clients
Company Response:
State: CT
Zip: 069XX
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A