Date Received: 2023-01-03
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2022, I made a withdrawal of {$31000.00} from my Interactive Brokers brokerage account to my bank account with XXXX XXXX XXXX XXXX XXXX ). But my transfer was blocked by a JPMorgan Chase correspondent bank. since then, this bank has not officially notified me of the reasons for the blocking and has not given any official answer to where exactly my money is and what the blocking status is. this bank did not communicate with me directly. I can only communicate with him through Interactive Brokers. But Interactive Brokers didn't help me with my problem either. ( they, as the sending bank, do not want to bear any responsibility for this transfer, can not provide any official documents and provide conflicting advice that does not help. )
Company Response:
State:
Zip: XXXXX
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: On XX/XX/2022 I called Chase Bank to report XXXX wire transactions that I did not authorize. XXXX was for {$5000.00} happened on XXXX of XXXX that I did not know about and the other was {$4600.00} on the XXXX of XXXX that had a pending status. First of all, I wanted to stop the {$4600.00} right away because it was still pending and i assumed my account got hacked cause i didn't authorized like i mentioned. The agent that was on the phone with me at that time told me that there was no option for him to stop it right away ; that it need to be complete for him to reverse the money. I was questioning him on why it can't be done since it's pending but all I got was a vague answer that it can't be done right now. He then transferred me to the claim departments to make those XXXX claims which I did. After i filed my claims with the new agent, I asked him how come no XXXX flag these transactions for me and verify it with me. If i remember it right, he told me they can't flag a wire transfer. He then assure me to not worry, Chase will investigate and refund the money for me if they have proof that it was fraudulent. I questioned him why do they need to investigate for proofs of fraudulent when I'm calling them right away when I saw that {$4600.00} transaction popped up on my online banking and it was still pending. By me calling them right away telling them that I did not authorized that pending transaction is the solid proof that it was fraudulent. He agreed with me but told me just let the claim department investigate and they will contact me about it. He advised me to go to a branch and close my old account and get a new one since it had been compromised. After i opened a new account and closed out the old XXXX, I received an email from Chase telling me that there is a transaction for {$120.00} on my old account and if I authorized it or not. When I saw that email, I was filled with anger ; they flagged a {$120.00} transaction but not for {$4600.00} and {$5000.00}. These XXXX transactions were wired to my XXXX account and then disappeared to a wallet. I called XXXX about the incident and they replied that the wallet was a non- custodial wallet and they can't recover the money and I quote " This transaction gave the malicious third party access to the funds held inside your XXXX XXXX ... ..where they do not even need a non-custodial wallets XXXX word seed phrase to infiltrate it. ". Chase also denied my claims with " We are denying your claim because we determined that the item ( s ) being disputed were authorized or you received benefit from the item ( s ). We will not reimburse your account. ''
Company Response:
State: WA
Zip: 98168
Submitted Via: Web
Date Sent: 2023-01-04
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: Application denied
Consumer Complaint: I have had 3 inquiries on my credit that were not me Chase on XX/XX/2022 XXXX XXXX on XX/XX//2022 XXXX on XX/XX/2022 How can I get these taken off my credit and find out who is trying to steel my indentity
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited my work bonus check on my chase account thru the online app portal to serve me some time goin to cash the check or even driving, deposit was made on XX/XX/XXXX for the amount of {$800.00} from the company i work for a hold was place till XX/XX/XXXX which the check cleared into the account. On XX/XX/XXXX i walked into the branch provided all information needed from paystubs to my direct deposit which i received them on my ( XXXX temporary ). I provided all emails, text, calls, my information and position in the company. When calling on XX/XX/XXXX to customer service they said the needed to call the maker of the check to verify, i stated to go on website get all the information they need to verify the check even i provided a number i mean there system of verification is the worst. After more than 20 calls on different departments, different agents i get multiples answers, i even get direct deposit from another income and not even that i am able to use or withdraw. Chase has frozen my funds that i work for very hard. This is unfair for them to hold my direct deposits funds. I understand a hold on the check but not my funds. Even after it cleared and made available and provided additional information they still have my account restricted after 13 days and counting.
Company Response:
State: FL
Zip: 33018
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXX I received a notification that {$520.00} was taken out from a Chase ATM and XXXX was spent at XXXX XXXX I had called Chase immediately when I got the notification for the withdrawal. I also told them the XXXX XXXX charged was also not me since I was sitting at home before work. They had asked me if I gave my pin to anyone or my card and I had told them no I didn't. They said they would look into it and they gave me the money back for both charges while they were " investigating ''. Someone from chase had reached out to me and said along the lines of well you probably gave your information to someone and since it's in the same vicinity of where you live at we will take the money back.The person I had talked to was very dismissive and it felt like they were telling me I was lying and trying to scam them. I kept getting the same answer with no help at all.
Company Response:
State: TX
Zip: 75070
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid off my chase credit card debt and my XXXX credit card debt both of which were collects that were charged off.
Company Response:
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I contacted Chase Bank when I noticed unauthorized charges to my debit card from XXXX. Chase said that they would do an investigation and in the meantime would credit my account. They also said that they could not credit my account for anything beyond 60 days, so it would only be the time period from XXXX to XXXX. Chase Bank only credited my account {$130.00} which was not the amount that I called about in XXXX. The amount that I called about in XXXX totaled {$610.00}. I called back again on XX/XX/XXXX and Chase Bank said that they were still doing an investigation and that I should see my money return to account on XX/XX/XXXX. No money was returned on XX/XX/XXXX so I called Chase Bank back on XX/XX/XXXX. Chase Bank then stated that they were not going to refund any money because they refunded money from XXXX. I kept telling them that I had unauthorized charges in XXXX and reported this information to them right away. Chase Bank also emailed me letters saying that I agreed with their actions, which is false. Chase kept arguing and deflecting and then started repeatedly telling me to call the merchant, even though I had purchased nothing from XXXX. I finally gave up and called XXXX and was on the phone with them for about 3 hours. XXXX said that it appeared that someone used my XXXX ID to make purchases. I have not purchased any XXXX products in about 3 years, which XXXX did confirm. XXXX kept repeatedly asking me to provide the full debit card from number from Chase Bank, which I no longer had. I told them that I had a new card from Chase and that I no longer had the old card. XXXX continued to keep asking me for the old card number even though I kept telling them over and over again. Then XXXX said that they could not refund any money unless I gave them my expired full debit card number. Then XXXX kept telling me to contact my financial institution over and over.
Company Response:
State: TX
Zip: 75165
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/XXXX, my wife and I sat through a grueling XXXX high pressure Timeshare exit seminar at a local hotel in XXXX XXXX XXXX Florida, presented by Consumer Law Protection of Pevely, Missouri during the height of the Covid pandemic. Consumer Law Protection convinced us to sign a 2-year money-back contract in the amount of {$17000.00} to terminate our 2 timeshare contracts and had me sign 2 applications for credit cards, one with Chase Bank and another with XXXX XXXX XXXXXXXX and XXXX XXXX XXXX in the amount of {$7300.00}. My wife also charged {$3000.00} on her personal Chase credit card. We were told that the process should take about 3 months, but not more than 6 months. When I asked about the XXXX length, I was told that this was only if an extremely unusual event occurred and that we were protected with a money-back guarantee. I began a monthly telephone follow-up call with what appeared to be a phone bank, but by XXXX of XXXX they stopped taking my calls, so I immediately contacted both Chase and XXXX XXXX XXXX informing them that I had apparently been a victim of fraud. XXXX XXXX XXXX immediately refunded to me the {$7300.00}, but Chase refused, and explained that the documents were in order and that fraud could not be shown until the contract expired. It has now been 2 years and 6 months since we signed the contract, and since that day we have never been contacted by Consumer Law Protection, neither by telephone nor by e-mail nor in writing. Since I have never received the services for which I paid, nor a refund from Consumer Law Protection, I am requesting that Chase refund to me the sum of {$7300.00}. My wife will file a separate complaint for the {$3000.00} charge to her personal Chase card. Consumer Law Protection, together with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, et al, are closely held corporations jointly owned by XXXX XXXX, XXXX XXXX XXXX and their respective spouses. On XX/XX/XXXX, all the above entities were sued by the Attorney General of Missouri for using misleading statements and high-pressure sales tactics and taking more than {$2.00} XXXX from nearly XXXX consumers to help consumers get out of their timeshares, a violation of the Missouri Merchandising Practices Act. On XX/XX/XXXX all of the above entities were also sued by the Attorney General of Alaska. The lawsuit alleges that the defendants promised to get consumers out of their timeshare contracts in exchange for large upfront payments, but then failed to follow through on their promises. EXHIBITS 1. Two-year Timeshare Termination Agreement with Consumer Law Protection dated XX/XX/XXXX promising a complete and full refund. XXXX. Chase Freedom Credit Card statement dated XX/XX/XXXX, showing a charge of {$7300.00} by Consumer Law Protection. XXXXXXXX XXXX XXXX XXXX report showing XXXX XXXX as owner of Consumer Law Protection, a closely held affiliate of XXXX XXXX XXXX XXXX and listing subsequent legal actions taken against them. XXXX. XXXX XXXX XXXX report showing XXXX XXXX XXXX ( XXXX XXXX wife ) as a Director of XXXX XXXX XXXX XXXX, a closely held affiliate of Consumer Law Protection and listing subsequent legal actions against them. XXXX. Copy of XXXX XXXX XXXX dated XXXX of XXXX confirming the XXXX information and revealing that in XXXX of XXXX XXXX XXXX and XXXX XXXX were accused of a {$2.00} XXXX XXXX fraud and charged in federal court with XXXX counts of bank fraud and XXXX counts of money laundering. Applications were submitted in their wives names to conceal the fact that both individuals are convicted felons and listed in the XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 34109
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: XX/XX/XXXX statement on Chase credit card - balance of {$1200.00} ( approx ) Paid entire balance on XX/XX/XXXX ( before XXXX due date ) XX/XX/XXXX statement - balance of {$7.00} for " residual interest '' Per call with Chase customer service on XX/XX/XXXX - residual interest charged for period between XX/XX/XXXX and payment date. would not waive residual interest and had to pay No mention on XX/XX/XXXX statement that even if entire balance paid, would still be responsible for residual interest through payment in full date.
Company Response:
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Hello, dear Madam, dear Sir, Back in XXXX, my credit card with Chase reported a missed payment. Now that I am looking for financing for a house for my family it's causing an issue. Hence, why it's coming up now. I have tried calling Chase multiple times over the months of approx. XXXXXXXX XXXX XXXX XXXX XXXX XXXX wrote them a letter in XX/XX/XXXX and now have even visited them in the bank just on XX/XX/XXXX in XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, asking them to fix the mistake. There were enough funds in my bank account to pay for the funds and it's been the only, the very only missed payment showing up for the duration of almost XXXX years I have been living here in the XXXX and there's a mistake here. They come up with different reasons, explaining they can't look back that far, they think it wasn't a technical error, even though they say they can't look that far, it will be gone shortly although they can't confirm when. The reasons vary and are non-sensical. There's mistake been made here and I kindly ask for your help here to get this fixed. XXXX to Chase, XXXX XXXX and Bank statements showing sufficient funds over the relevant months in XXXX are attached. Thanks very much, With best regards, XXXX XXXX
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A