Date Received: 2022-12-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a chase check for {$5000.00} from my father into my chase savings account. It said it would take one additional day to process because XXXX XX/XX/2022 was a holiday. On the XXXX of XX/XX/2022 there was a hold placed on it. They said he needed to confirm his identity via phone. He did this 5 times. I went to a branch and they tried to sort it out, saying that the hold on the check and restriction on my account would be lifted within XXXX minutes. XXXX hours later it was not. I went back and they aaid I was in queue to get the restriction lifted. I called and they then said my father needdd to go in oerson to verify his idenity. They XXXX said this to me. On XXXX XXXX the funds were released and I initiated a transfer to take them out, which they said would be deposited XXXX XXXX XXXX they canceled it without notice. I went back to the branch and they said my father still needed to go in. He did. There is still a restriction on my account.
Company Response:
State: NY
Zip: 10003
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I currently have a checking account with Chase bank over 2 years. On XX/XX/XXXX I received my federal tax return I signed the back and deposit the check same day through ATM. On the XXXX I called to check the status and was told by XXXX rep it was a XXXX day hold, which I did not have a problem with. The representative place me on hold several times to come back and say she verified my refund check with the state treasury department while I was on hold and they verified the check and said the funds would be available on XXXX XXXX XXXX XXXX XXXX XXXX XXXX after speaking with that rep I get an email stating my account will be closed due to fraud because Chase seems to believe my check was altered. I called the number provided spoke with XXXX account XXXX she advise they would have to call and verify the check with the treasury dept and once they verify that the check is valid from them they would release the funds but if they can not verify before my account closes then I would have to request another check from the IRS. XXXX advise me to call back early XXXX morning to speak to the department XXXX refuse to transfer me to the escalated department. If Chase can call the treasury department to verify checks, why do my account need to be closed when they can verify my funds with the IRS. FYI my check was for a large amount.
Company Response:
State: CA
Zip: 90303
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I have been trying to have a rollover check return to XXXX or XXXX to complete the rollover I have sent documentation that this is a disbursement for a XXXX rollover. XXXX has given me all that they could to get the funds return. the check has been cash and put into an account according to chase bank. I don't know what to do to get those funds back and XXXX has been more than helpful. I just need help to have my funds release to complete rollover.
Company Response:
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX we noticed that someone transferred {$15000.00} from our savings account into our checking account and started wiring money to themselves. We caught this right away and immediately called Chase. There was a total of XXXX wire transfers to a bank named XXXX XXXX XXXX XXXX with the name of " XXXX XXXX ''. One wire in the amount of {$1200.00} and another in the amount of {$820.00}. The third one was stopped by the agent, in real time, while we were talking to about the fraud. She told us it was coming through but that she was able to stop that one, however not the other two that went through. She took down all our information, we answered the fraud questionnaire and was told it would take 3 -5 business days for the claim to be processed. XX/XX/2022 - Called Chase back to check on the claim, spoke to an XXXX named XXXX. She informed us that the initial claim was closed for some reason and that there were barely any notes. We were told we had to open another claim. Did everything all over again and was told XXXX XXXX business days, again. XX/XX/2022 - Called Chase again to check that claim was being processed, we spoke to an agent named XXXX this time who was not nice to us, kept reminding us that it hasn't been 5 days, but we told her that that the last time we gave them 5 days, we found out the claim was closed, with no reason, and so we were going to be more diligent. XX/XX/2022 - Called Chase, it was day XXXX, and we were told it wasn't ready yet and there is nothing we can do except wait. XX/XX/2022 - Called Chase and an agent told him the back office is still investigating it and even though it's passed the XXXX days, there was nothing we could do. XX/XX/2022 - Called Chase again and same thing, still investigating. XX/XX/2022 - Called Chase, was told the claim was denied due to a passcode verification text being sent and authorized and that there was no indication of hacking. We told them that we thought we were hacked several times. There was never at any point, a Chase password verification text sent to either of us, verifying any wire transfers. Not to our phones or our emails and we have screen shots to show it. When I asked several agents, XXXX of them by the names of XXXX, XXXX ( XXXX ), and another one named XXXX, for the phone number that the verification code was supposedly sent to, and non of them could give it to me. We dont understand how a claim can get denied when we were on the phone with Chase while the fraud was happening. The amount of times we had to call back or got hung up on, how the first report on the XXXX was closed right away without any notification or explanations. We never got a passcode verification sent to us, we never once have ever wired anything to anyone out of any of our accounts. We were told we can not have a copy of the claim report unless we ask for it in writing and it has to be faxed or taken to a Chase XXXX. We are going to send a fax today formally requesting the exact phone number that Chase sent a verification passcode to, as well as the date and time. We are also formally requesting the full claim report. Including all the notes and any additional information taken during all the phone calls we have had with chase. We have filed a police report with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 91701
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2022 I received an email through my school email account saying that a professor was offering a research assistant position that would pay {$300.00} weekly. The email said to text the number they provided if I was interested. I texted the number and they asked for my resume and to research certain office supplies. They sent me the list of the office supplies through the professor 's email ( phished ) and told me to create a XXXX form and send it back to them. I sent them the XXXX form and they asked me to check my email for the payroll. I received another email from an individual who works at my school regarding a check. The email told me to print out and deposit the check. Then the scammer texted me asking to send them {$500.00} through XXXX and that I would be reimbursed the next day. Reluctantly, I sent them the money after speaking to them on the phone and them saying that they will send it the following day. The following day, I looked to see that the check hadn't been processed and was on hold. So I emailed the person who sent it to me and they told me that it was a scam.
Company Response:
State: CT
Zip: 06830
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: I had a personal check from my Chase bank stolen from USPS somewhere between me putting it in a local mailbox and it traveling to its intended target- the City of XXXX XXXX XXXXXXXX XXXX The check, which was in the amount of {$500.00} and made out to " The City of XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' and dated XX/XX/XXXX, was intercepted in the mail. The amount was changed to {$9500.00}, the check was signed by an individual on the back, and then cashed at a XXXX XXXX XXXX XXXX on XX/XX/XXXX. I first reported this to my local Chase bank on XX/XX/XXXX, at which point I filled out a Declaration of Unauthorized Endorsement or Altered Item at their request. I was told I didn't have to do anything else, and that my funds would be recovered in 60-90 days, so no later than XX/XX/XXXX. When XX/XX/XXXX came and went with no updates, I revisited the same local Chase branch. I was told that they had no paper trail of my complaint. While I am certain that they could pull camera footage to show me filling out paperwork in XXXX, the nightmare had begun. I filed the same paperwork at the same bank on XX/XX/XXXX. This time, they recommended that I call the claims department to confirm receipt a week later. I did, and they confirmed receipt on XX/XX/XXXX. I was told to wait another 90 days for the case to be solved, even though I explained that I had already waited 90 days and it was past due. The " new '' 90 days came and went, and I followed up with Chase on XX/XX/XXXX. I was told that Chase was still waiting on a response from XXXX XXXX, and that there was nothing I could do to escalate or expedite this. The delayed solution caused me serious financial distress, as I struggled to cover expenses and taxes. I was given a new deadline by Chase - XX/XX/XXXX. I filed a police report on XX/XX/XXXX. After interacting via phone with Chase on XX/XX/XXXX, I was given a new deadline of XX/XX/XXXX. I called Chase on XX/XX/XXXX and was told that the case was still open, but that I had to wait 120 days instead of 90. I was given no additional info. I called again XX/XX/XXXX, so past the 120 days, and I was told it still hadn't been solved. My case was escalated internally at Chase at this point. on XX/XX/XXXX, Chase told me that " XXXX XXXX has a backlog '' and that they could not give me a time frame. On XX/XX/XXXX I also filed a complaint with the CFPB, nine months after it all started, and received a written response from Chase on XX/XX/XXXX as a result. The response essentially just told me to continue to wait, with no deadlines or updates provided. Somehow, the CFPB considered this response to be perfectly acceptable, and closed my unsolved case. In XXXX of XXXX I interacted with XXXX at the JP Morgan Chase Executive Office on four separate occasions over the phone, she was my escalation contact. She repeatedly told me to keep waiting, stressing that XXXX XXXX had been unresponsive. I also tried the regular Chase Claims Department helpline and visting a physical Chase Bank location in person for help, with no success. In XXXX I spoke several times with XXXX XXXX at the Chase Complaint Escalation Group. He told me to keep waiting. On XX/XX/XXXX I received written correspondence from XXXX XXXX after reporting them to the CFPB. They said that they could not share any information with me, and that I had to go through my bank ( Chase ) for updates, despite the fact that my check was fraudulently cashed at XXXX XXXX. In the letter, sent to me 10 months after I first filed my claim, they acknowledged that such cases are usually solved within 120 days. Between XXXX and XXXX of XXXX I called XXXX, XXXX, and the claims department so many times I lost count. They told me to keep waiting for a solution. On XX/XX/XXXX I was sent a letter from Chase saying that they were not able to recover my funds as the depositing bank ( XXXX XXXX ) was not responding. They closed my case. I have copies of the check, the tax bill it was originally for, a log of all communication, and more. Please help!
Company Response:
State: CA
Zip: 90066
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX I made a payment with my debit card to XXXX XXXX for amount of {$940.00} XXXX per my statement. A few days later I did not recognize the payment on my online account and called the bank and stopped payment on it, so it came back into my account on XX/XX/XXXX. I then remembered what the payment was for and called the bank again to ask if I should make the payment again or what could they do. They said they would take care of it and that there was nothing more that I needed to do at this time. SO it came back out of my account per my statement on XX/XX/XXXX. ( So, at this point it has gone out, come back in, and then out again per my statement ). XXXX XXXX has been calling us looking for their money and when they call, we contact the Chase bank and I keep getting told that they will receive their monies. It went out on XX/XX/XXXX and it takes a bit to receive the monies since it was stopped and no again sent back out. Many many months of this back and forth and being transferred to numerous peeps and 2 trips into the bank, have been told there is nothing Chase can do at this time. XXXX XXXX has received their monies and nothing they XXXX XXXX that wen do. What I do not understand, is how or why? It is out of my account and I am out of {$940.00}. I have been on the phone with XXXX XXXX again numerous times and for many hours as well, and they say once the monies has been denied like it is and was, proof will be attached, that they did not receive the monies, because there is no authorization code and they have not received it either. So, my monies is in lalala land and I am out {$940.00} XXXX. They show that they received the 1st payment of {$940.00} and then the returned {$940.00}, but nothing on the actual third payment of {$940.00}, which I was told by Chase that they received on XX/XX/XXXX, which they have not received it. All I want and need to know, is where my monies is and why it is not back in my account where it belongs or why XXXX XXXX has not received it. ( Have paid the car off now in total as of XX/XX/XXXX, which included the {$940.00} payment in full again, since they did not receive the payment in XXXX and was charged all the late fees as well. I have done everything that everyone has asked of me and yet neither one ( Chase nor XXXX XXXX ) will speak to one another to figure this out or talk the verbiage that everyone is using to get this issue resolved. I am tired of fighting over this and need a resolution as soon as possible please and thanks in advance.
Company Response:
State: AZ
Zip: 85037
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My name is XXXX.I am writing to you with regards to an improper post death disbursement made by Chase Bank. My father, XXXX XXXX, passed away on XX/XX/2022. At the time of his passing he had a sole owned account ( with no designated beneficiaries ) at Chase Bank, with an approximately {$32000.00} balance as of the date of death. However in early XXXX nearly {$30000.00} was disbursed to an individual present at the Chase Bank Branch located at XXXX XXXX XXXX, XXXX, IL. My father died without a will and the estate was not probated, therefore there is no court appointed administrator to whom the funds could have been distributed. On XX/XX/XXXX I presented a small estate affidavit to Chase to receive the account balance and close the account, and was informed by banker, XXXX XXXX, there was a hold due to social security direct deposits. I checked back frequently for several months and learned in XXXX that Chase permitted someone to make an in-branch withdrawal of all but {$1900.00} of the balance. I contacted Chases executive office to find out what authority that person had to make a withdrawal from my fathers account after his death. Chase responded to my inquiry via voice-mail and provided no details except that [ Chase acted properly ]. Two weeks after receiving Chases response to my inquiry, I received a check from Chase for {$1900.00}, the few dollars remaining in the account after the unauthorized withdrawal was permitted. If the individual who was allowed to make a {$30000.00} post death withdrawal from my fathers account had authority to transact on behalf of his estate, why didnt Chase send that person the remaining balance instead of me? I believe Chase acted improperly by allowing an individual without legal authority to conduct a withdrawal transaction, and as such should reimburse my fathers estate and honor the small estate affidavit I submitted to Chase on XX/XX/2022.
Company Response:
State: IL
Zip: 60645
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Talked with Chase Mortgage account person about dropping PMI back in XXXX 2022. Was informed I would need to have major structural repair completed, fill out a form categorizing and describing each major structural repair, than mail in a check for {$150.00} dollars with the form to start the process to get a new appraisal completed to drop PMI. I have completed the Major Structural Repair new roofs on Home, Woods shop, Garage, Guest House, Art Shed, & Storage Shed. Along with several other repairs completed. Filled out the form and mailed in a check with for {$150.00} dollars with the form describing exactly what I was requesting with the funds. Unfortunately after 60 days Chase only refunded the funds and never contacted me to confirm a new XXXX appraisal was ordered. I have completed my portion to get this dropped but the company has not fulfilled their side or promise.
Company Response:
State: WA
Zip: 98532
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Issue : I, XXXX XXXX, booked flights ( Itinerary : XXXX ) using credit card points through Chase XXXX XXXX XXXX for my brother, XXXX XXXX, and his family on XX/XX/XXXX ( pre-COVID ). These flights were subsequently cancelled due to the pandemic emergency and shelter-in-place orders. A credit of $ XXXX XXXX tickets was given with an expiration of XX/XX/XXXX. These credits expired during the XXXX XXXX variant surge where CDC and California state health officials discouraged airline travel. I contacted Chase in XXXX of XXXX asking for credit extension or refund given that the pandemic precluded travel on the date of expiration. They agreed to a full refund of XXXX points and cash refund of {$44.00}. To date, I have received the {$44.00} as a credit on my Chase account on XX/XX/XXXX. I have NOT received by refund of the XXXX points which is worth approximately {$2400.00} ( see XXXX file, attached ). On XX/XX/XXXX, I received an email from Chase stating I would be receiving a full refund of {$44.00} and XXXX, XXXX points ( see XXXX file, attached ). A credit to my Chase account of {$44.00} was provided on XX/XX/XXXX ( see " XXXX XXXX '' .jpg file, attached ) however I have not received my refund of XXXX points. I have made phone calls to their travel program ( Case number XXXX ) in XXXX and XXXX of XXXX and discussed the issue with two separate supervisors. Both supervisors stated they were unable to issue a refund because of a technical issue with their system as the reservation was too old. Each supervisor stated they would send a service ticket to their IT department and ensured a prompt resolution which has not occurred. This issue appears to be purely an IT/systems related limitation on Chase 's part to refund the points. They have already agreed, in writing and verbally, to provide the above refund and have already partially done so ( e.g. {$44.00} credit on XX/XX/XXXX )
Company Response:
State: CA
Zip: 94545
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A