Date Received: 2023-01-06
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: This issue appears to be a privacy violation and may be related to identity theft. I received the following email from Chase Bank : Dear Customer, Our records indicate that you may have recently changed your mobile service provider or mobile phone number. As a result, Chase services that use this mobile number ( such as text banking, text alerts, Chase XXXX etc. ) may have been disabled. To continue using these services, please sign in to www.Chase.com to reenroll your mobile number or provide your new number. Thank you for being a valued Chase customer. I would like to know WHY Chase Bank has infomation about my phone service, for what permissible purpose did they obtain information about my phone service, and from what source Chase Bank obtained information about my phone service.
Company Response:
State: TX
Zip: 776XX
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: There is an incorrect account reporting to my credit profile, which is affecting my credit, and affecting me from being able to receive new credit I have been requesting to have this debt verified that it is mine and irrefutable 100 % by requesting the original opening agreement with my signature date and ID that was used to open up this loan agreement by mail or by email. However this company will just continue send me an automated message saying that it is validated, but will not present proof on how they validate it or present me the proof that it is valid.
Company Response:
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Chase bank restricted ( seized ) my checking account after I mobile deposited 5 checks after XXXX. I have contacted them and provided them with all of the information I have on the issuers of the checks ( my XXXX, a family friend and a Summer camp ) the only way for Chase to verify the checks is to speak with the issuers. The phone numbers I provided were not sufficient for Chase despite being the only phone numbers these issuers have. Ive been on hold for hours over multiple days to try and resolve. Im currently holding as I submit this. I am upset, the check issuers are upset and confused. No one has given me a reason as to why the account was restricted. Chase says it will close my account next week and keep the money until the checks are verified.
Company Response:
State: SC
Zip: 29464
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: During end of XX/XX/XXXX my acct was closed because they have not received XXXX XXXX form which I didn't know about because I moved to another state. So I did at the branch on XXXX XXXX XXXX in XXXX on XX/XX/XXXX I met with XXXX to sign everything and he confirmed it was uploaded into the XXXX I called customer service that same day to know when I should have my acct open again and she said it had to be reviewed and should take up to 5-7 business days. I kept checking my acct online and it was still closed. I called XX/XX/XXXX to follow up and they told me to give it more time and check back, I then called on XX/XX/XXXX one of the supervisors who was looking at my acct just disconnected the line and no call back! It has been so frustrating! And yet when I called back AGAIN still they said they haven't heard back yet so I need to check back later. Finally I setup to meet with XXXX at the same branch to see what's going on and he assured me it was uploaded and he filed a formal complaint for me because he knew I was very upset with their customer service not getting anywhere. The escalation agent reaches out to me her name is XXXX and this was on XX/XX/XXXX and I told her I want a refund of {$99.00} annual fee because I didn't even get to fulfill my term or still have the option to reopen my acct and still be able to receive the sign up bonus. She gets back to me few days later and told me they don't see my signed form in the XXXX and that I have to reach out to compliance on what to do the next. Now XX/XX/XXXX I call compliance and they told me to just apply again for a new account and to call customer service for the refund for the annual fee. I call customer service to help reverse the fee and she said they could not. I ask to speak with a XXXX and it's a 40 min wait! Why does this have to drag over a month and still I'm not getting anywhere! The customer service I've been receiving is horrible! Such a frustrating experience I've ever dealt with and I've been with chase for over 9 years! Not only that when they closed my account it affected me credit score!
Company Response:
State: FL
Zip: 32812
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section 6 o 2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX Account # XXXXXXXX JPMCB Card Account # XXXX
Company Response:
State: IL
Zip: 60621
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Consumer complaint narrative In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section 6 o 2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. JPMCB CARD Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX
Company Response:
State: IL
Zip: 60621
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXX I opened a checking and savings account with proceeds from a lawsuit that was handled by XXXX XXXX XXXX XXXX. Both accounts along with direct deposit for my monthly social security payments were opened by personal banker XXXX XXXX. The check from the lawsuit was XXXX. I deposited {$30000.00} into the new savings account. I was given {$10000.00} cash per my request and the remainder was deposited into the checking account. My direct deposit was established to receive social security payments on the same day. As of today, I still have the checking account and direct deposit. I deposited the {$30000.00} into the savings account for safe keeping. Although, I was initially skeptical about banks, I trusted Chase Bank to do right by my money. After I deposited the monies into the accounts, I withdrew {$2000.00} from the savings account and never touched it again as I wanted to keep it. In the last few months, I have gone to the bank to inquire about the savings account, and I was informed that there was no savings account initially. After demanding a bank teller to provide bank statements, I only received XXXX statements that did not make mention of the savings account. I was told on multiple occasions that I never had one. After several complaints in person and on the phone ( My daughter XXXX XXXX ) even spoke to the corporate office and was given information that I have the accounts, including the savings account, but the money was gone and the account was closed in 2013. They notified me on the phone that someone ( they didn't know who ) had withdrew the money on a monthly basis until the account was closed. I informed them that it was not me, but they blamed me for the missing money stating that I should have contacted the bank. I tried to explain that I put the money in the account for safe keeping. They refuse to investigate to find the theft or fraud and who did it and how it was done. I have lost {$28000.00}. Please help me. They validate that I did have a savings account but don't know or refuse to investigate who stole the money and how it was done and they blamed me.
Company Response:
State: TX
Zip: 75227
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I opened 4 claims for 4 transactions of the same merchant, now im opening this claim ( ref XXXX ), because was denied without asking anything or requesting supporting documentation. The other claims the bank requested a document signed by me and also the receipt showing that the merchant must sent the items to my address. Attached goes the invoice from the store showing they must sent the purchase. the transaction was made face to face in store but they didnt have on stock like many stores as XXXX or XXXX they sent the goods to your home. So the reason " was made face to face '' is not a valid reason to close the claim.
Company Response:
State: CA
Zip: 91205
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX a XXXX tenant 's rent check for {$790.00} was put into JP Morgan Chase ATM at XXXX XXXX XXXX XXXX XXXX branch. Machine asked for amount to be entered, I entered {$790.00} and got a receipt saying {$790.00} to be credited next business day. Same evening I got a email/secure message from bank saying " {$90.00} ATM error correction '' .. Called XXXX number listed in the message and lady on the line ensured me the full amount will be processed and deposited. Next morning on XXXX I logged into Chase account and saw {$90.00} withdrawn and {$790.00} check entered as two checks- one for {$700.00} plus second for {$90.00} without a check image ( there was no second check ). Called number again, was transferred several times, spend 2+ hours on calls including 1 hour 29 minutes hold on one of the calls. Was told that tenant needs to send me another check, that check will be send back to issuer etc. Decided to go to the branch then - team there was very forward but couldn't help saying claims have to fix that. Even though I had a copy of check receipt from the tenant and ATM receipt in my hand they still had to work with same claims team, which overwhelmingly was saying " machine read it as {$700.00} and that's it ''. No input about having a clear XXXX copy of a check or the clerk actually able to see the number on the check image correctly - nothing resolve the problem. Claims team refused to own the problem and told me they can send it back within 10 business days and I can deal with it. Went to the branch second time and branch XXXX saw how slow and unhelpful claims team is but didn't have options to enforce their cooperation or make them helpful. Issue is still pending and not resolved.
Company Response:
State: IL
Zip: 61820
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Chase Sapphire Preferred card advertises that you have XXXX points or {$960.00} to use towards a ticket purchased on their travel site but when you try to buy at the published price you find a system error call a Travel Advisor. As you call you are informed that the airline have changed the price and the new price is, coincidentally, the same as original PLUS {$960.00}!!! I declined the. Purchase and went to the airline webpage where i could purchase at the original price posted and CHASE Travel site In other words, Chase, dishonestly, maneuvers the prices on their site in order to nullify your rewards buying power
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A