Date Received: 2023-01-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: To whom it may concern : I am disputing 4 fraudulent ATM withdrawals made on XX/XX/2022 from my Chase Bank checking account totaling the amount of {$1500.00} and seeking reimbursement for the full amount. The 4 fraudulent ATM withdrawal ( s ) that occurred on XX/XX/2022 were as follows : 1. {$60.00} ( not sure what time this occurred ) 2. {$800.00} ( XXXX XXXX ET ) 3. {$400.00} ( XXXX XXXX ET ) 4. {$300.00} ( XXXX XXXX ET ) These withdrawals were made within minutes of each other at an ATM in New York, while I was in California ( where I live/work/reside ) while I had physical possession of my ATM card. I noticed the fraudulent withdrawals and contacted Chase Bank by the next day on XX/XX/2022 to alert them of this security issue, cancel my current card, have a new card issued, and dispute the ATM transactions. After 10 business days they have denied my claim despite my having physical possession of the card, and the withdrawals taking place XXXX miles away from where I live. I was surprised and disappointed that Chase denied this claim and could not get a satisfactory answer from their claims department as to why. Do they not have fraud prevention measures in place that protects me from excessive transactions being made within minutes of each other from another state and area from which I do not reside nor visit ( ever ). Additionally, is there no longer a daily limit for ATM cash withdrawals? I am contacting this department to further pursue reimbursement of these funds in full ( {$1500.00} ). Under the circumstances, I do not think proper or just consideration has been observed by Chase Banks claims department with the denial of this claim. I appreciate any and all help in this matter. Sincerely,
Company Response:
State: CA
Zip: 91423
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I deposited a check with the amount of XXXX on XX/XX/XXXX from XXXX XXXX XXXX XXXX using the mobile app. The next day I am told my account is restricted and will close in 10 days if I don't get the check verified. I go to the physical bank with the check and they verify it is real and call XXXX XXXX to verify the check but they say the number on the check isn't verifiable. It doesn't match the number they have in their system. So they tell me to go to a physical branch with a XXXX XXXX employee to verify the check. So I go to the physical branch again on XX/XX/XXXX with an employee of XXXX XXXX, XXXX XXXX, the lady who gave me the check, and she's bring the documentation to show the check belongs to me and proof she works for XXXX XXXX. They contacted fraud protection and they said the check can't be verified that way I need to provide a verifiable number. So I contact XXXX protection again multiple times for weeks and keep providing numbers to account payable of XXXX XXXX so they can verify they check. Chase tells me their number isn't verifiable. They tell me to get the owner of the XXXX account to contact chase to verify they check. So on XX/XX/XXXX, the CFO of XXXX XXXX, XXXX XXXX, and XXXX XXXX, Account Payable, and I contact chase fraud protection to verify the check. We talk to them for over XXXX hours to verify the check and then they want to say the CFO of XXXX XXXX can't verify the check. because XXXX XXXX number isn't verifiable. XXXX asked if there is the way we can recall the check or get it back and a representative says " No, the only way to get the funds for this check is to verify it with a verifiable number ''. We asked what is a verifiable number and they said the business number that match their system. The CFO told them that XXXX has been XXXX XXXX business number for 38 years there is no other phone number. It is now XX/XX/XXXX and Chase still refuses to give me my money.
Company Response:
State: CA
Zip: 94609
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX Chase Bank closed my account. I am aware chase can close any account without previous notice or for no reason. However, is been 3 months since then and Chase has no given any information about the money that was in the account. They keep saying the {$5600.00} that was in my account is under review. But even thought I told them that money was all I had and that I needed as soon as possible, they havent sent any letter, or call trying to show they are actually review. There is no report at all about the review of this money. Why does the review is taking more than three months and you dont update the client about it? Please help me with this unfair position that chase Bank is having.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: At one point in time my savings account had a healthy balance, when my checking account would go negative I've had as many as 21 days to cover the account balance, which I did. Recently when my savings account balance was low my checking account no longer had the grace period to replace those funds. I approached the chase banker, XXXX, XXXX, about it on multiple occasions, he denied me response until I quoted directly from US Legislation, then all of a sudden he was able to reply to me, he then tried to offer me a bogus, non-regulatory explanation which makes no sense against what actually took place with my accounts. I used emails to track the communication with XXXX XXXX of chase bank XXXX XXXXXXXX XXXX
Company Response:
State: MN
Zip: 55429
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a credit monitoring alert today that an inquiry was done on my credit from both XXXX and XXXX. I have not signed up for any credit cards. The company list is JPMCB Card. I am attempting to have the hard inquiry removed from my credit report and I would like to ensure the card is not processed.
Company Response:
State: IL
Zip: 62025
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: So I really don't remember the date 's that this all started but I am sure I can go to the bank and get the day and year that they started taking this amount out of my account, but some gentleman called me from place called XXXX and stated that he could help me lower my student loans. He could set something up to where if I could pay this XXXX every month straight out of my account, they would take this amount and put it right towards my student loans. So I was excited and I believed it. I thought that this was actually happening. I thought XXXX was taking care of everything for me. It sounded and looked real to me. All of these student loan places call me all of the time. I never know who to believe. But I actually believed him this day. But apparently I got scammed this time. So now I've been out XXXX XXXX XXXX I've been paying someone XXXX every month for at least probably 3 year. So close to XXXX that I could have either saved or actually put towards my student loans, or towards medical bills that I have from having XXXX. The now mental anguish these people have caused me the stress they have caused me, and the debt they have caused me. So now what do I do? Where do I go from here? Please tell me what to do.
Company Response:
State: CA
Zip: 95993
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: JPMorgan Chase continually defaults my banking statement settings to paperless. I have reset the settings to receive a paper statement on multiple occasions, but to no avail. I have not received ANY statements for any of my savings or checking accounts at JPMorgan Chase for several months now. I have escalated this matter with the bank. I would like your assistance in looking into this matter. My not receiving a paper statement, despite my request to continue to have them mail them to me on a monthly basis, is impacting my ability to monitor my finances and to make informed decisions.
Company Response:
State: NY
Zip: 11758
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX - Transfer of {$10000.00} rejected by Chase from XXXX XXXX XXXX ( I am the owner of both accounts ) XXXX - called customer service rep, told me Fraud team rejected it, fine verified the identity together with XXXX XXXXXXXX XXXX Chase told me to try to transfer $ XXXX again and rep said she put the notes to not reject it as she verified I am the owner on the account XXXX - Chase again rejected the transfer and locked me out XXXX - I called Chase again, rep told me Fraud team rejected it, and the rep said don't know why. While restoring online access, the Rep deleted the external account I have to have the money in the bank account for a payment XXXX - what can I do now? Why is the Fraud team NOT READING the notes?
Company Response:
State: NY
Zip: 10304
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: the bank CHASE closed my account and i dont know why? but ok int he contract say the bank can close the account when they want, it is ok for me, but they not return my money and anyone say me anything, i callin every week and only they say i have to wait it is happen about 3 months ago, since XXXX XXXX and they have XXXX dollars mine
Company Response:
State: TX
Zip: 75243
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: I company XXXX XXXX XXXX received a check in the amount of {$28000.00} from XXXX XXXX XXXX XXXX To buy and build a shop garage. Check was deposited into account XX/XX/XXXX. Check was put in hilt until XX/XX/XXXX. Chase bank then canceled my debit card with {$4000.00} in the account. I called and talk with customer service about releasing the check and my debit card for the reason I have a business to run and bills to pay. The person that was helping me and I was talking with said the card and check should be released and able to use within a day. Debit card never got released and could not use it. Payment was on card said fraud. I decided to wait until the check cleared on XX/XX/22. Check then clears. I wrote check out for payments due ( had enough money to clear those without the XXXX checks. On XX/XX/XXXX I called in to CHASE bank to see what was the problem with my debit card. They said they need to confirm with the owner of the company ( which is a very good friend of mine ). I gave them their names and numbers and they said that the number is not associated with a business. Chase bank completely froze my account and put it on hold so I cant see it or spend anything. I called in 4/5 times. No one I spoke to have XXXX any clearance or help with the situation. This is so irritating and frustrating for me. I had employees to pay and bills to pay and I cant do anything. I ask them if they can just put the XXXX on hold and let me cash more checks so I can do my business they said no. I asked them to call the bank from the owners of the check and they said they couldnt. They have my money and wont let me touch it. I have customers that paid for a building and I cant buy it or build it without the money. My customers or extremely mad at me. They say I cant do anything they can only call. One person said that I could take the owner of the company to a chase branch with two forms of ID and company information. The problem with that is were located in XXXX ID. The nearest branch XXXX XXXX XXXX XXXX more than two hours away. We have no time to be able to make a four hour trip together. I fell like the bank is taking advantage of me and not doing their job. I am scared and terrified that I will loose all that money in my account and my customers and distributors will not trust me anymore, and non of this is on me. Please help me get my money and figure out what is going on! Also, I asked them if I could just come get my money and switch banks and they said my money is froze. This is not okay! Thank you!
Company Response:
State: ID
Zip: 833XX
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A