Date Received: 2022-12-30
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I have a Chase checking ad Saving account and had a business checking account as well that was closed by Chase this XXXX- this is a complaint about excessive NSF/overdraft fees that, when I checked your website, Chase claims that they were doing away with in 2022. I realize that I am to blame to a certain extent for how these fees were triggered- however I think when you see how out of control these fees accrued in 2022 from XXXX to XXXX of this year-totaled ( at that time Chase had charged XXXX {$1500.00} in {$34.00} NSF fees on XXXX regular checking, and {$860.00} in NSF/overdraft {$34.00} XXXX on my closed business checking account ), that something isn't right. I had a direct deposit coming in each month from the Federal government for my XXXX XXXX for mental illness- I suffer XXXX XXXX XXXX XXXXXXXX but I am not at all XXXX XXXX- although maybe these incidents indicate otherwise! .. It was direct deposited to my savings account and then I would transfer it our to my XXXX checking accounts. I was working an allowed part time self employed business and honestly I got XXXX a few times and suffered often from XXXX XXXX in 2022. What I basically noticed this year, was that Chase extened me a total of the equivalent of my XXXX direct deposit amount ( {$2000.00} ) in overdrawing my checking accounts - either all in XXXX checking account or a combination in the XXXX accounts. Then my direct deposit hit and as soon as I cleared the accounts back to a XXXX or positive balance, I could immediately overextend or over draw the next month back to that {$2000.00} limit. I was vaguely aware that I was getting NSF charges of {$34.00} but didn't pay that close attention. So right then and there by saying this, I realize that what has happened and me admitting I wasn't paying attention means that I am to blame. But especially when I see that Chase claims to have eliminated these fees in 2022 - I say BS. Also, because I was really starting to hurt because I wasnt getting the full effect of my XXXX deposit each month when Had hundreds of dollars built in to the negative balance I had to clear in order to reset and get the " overdraft credit ''. I finally sat down and crunched the numbers and was shocked- but knowing this was probably just a computer program, I was sure that when I appealed to human beings to review, that XXXX. I was putting an end to this vicious cycle, and XXXX. Somebody would take a little pity on me and my situation and give me SOME refunds- after all, if this was a credit card account and balance- by my paying the entire ( negative ) balance in full each month- I wouldn't even be charged interest by the credit card company XXXX What was the difference? Well I got no XXXX and the letters I wrote were handled by some young college trainee or new hire person that had not power to offer anything more that a XXXX of the latest NSF {$34.00} charges reversed. Okay so what I did and told Chase, is that I had to move my XXXX to another bank and checking account where I could avail myself to the full XXXX monthly amount and that because in both checking accounts I had left in XXXX a {$430.00} negative balance ( business that I had already paid $ XXXX XXXX been charge that much in {$34.00} NSF XXXX, and in the other a negative {$600.00} plus-but not {$700.00} in my regular checking that had received {$1500.00} in {$34.00} NSF XXXX ) XXXX so basically, in my mind both accounts had negative balances that were 100 % from NSF fees and that I needed and would take my time addressing and paying. Well I didn't move fast enough on my business account ending in XXXX and they closed and purged all records and statement from my sight- and I finally paid in full this week to prevent this from going in to collections or having the account reported to the XXXX XXXX. The regular Chase I paid fast enough to keep that account and asked Chase to be sure NOT to allow any kind of overdraft " priviledges '' - as its no gift - its a poverty trap to me. I wouldn't even be writing this except that I had a separate issue with XXXX XXXX that I wrote to you for help - AND WITHIN THE SAME DAY XXXX called me to resolve- so you must scare banks and therefore- while I realize ultimately I am to blame for what happened with Chase XXXX I thought perhaps someone higher up then the trainees I got responses from, would see that maybe it the XXXX XXXX? But certainly when getting the XXXX complaint ready, I saw that Chase was XXXX of the banks committed to elimainating NSF fees and overdraft fees in 2022 it seemed so I thought you should know that this happened to me despite their pledge to do away ( the XXXX print on your website )
Company Response:
State: CA
Zip: 90025
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, my husband deposited money in my account at the ATM of the bank we do business with. Soon he received a call asking for the primary of the accounts which is me. My husband said don't you have it. The man hung up. I was doing a XXXX pickup order on my phone. When I finished I went to pay and it said insufficient funds. I knew the money was in, so I thought it just a data hangup and would send through again later. I'm not sure how long after, but I checked the balance on my bank app. It showed XXXX. XXXX paid out through XXXX. Also I am primary for two other accounts. One is my husband and one is my son 's. My son had XXXX paid out through XXXX to same phone number. My husband had XXXX paid out through XXXX to same number. I immediately called my bank and told them the whole problem. They transferred to fraud dept. Immediately shut my account down, since it was all done with my primary account. So I had to change everything. They responded by the allotted time they are required to. They gave the money my husband and son lost back by depositing in their accounts. My account that lost XXXX would not be given. They claimed that the fingerprint on my phone used and that is impossible for anyone to do. I was stunned. I know I didn't do it, so that meant there has to be a way. I have found several ways it could be done. Why steal my own money? Where did the transfer go to. I asked all these questions and I got long silence then I'm sorry we are not refunding this claim. I then called XXXX to be told this is not their responsibility that would be my bank. I asked if they were working together. Find out where the transfer went. No they are not. XXXX filed the incident with police and they were dry and unhelpful. I have filed with the FTC and here I am 4 months later still missing that money. It was to pay bills, I have been in arrears since with my utilities. I had to get help from city assistance programs. It was a horrible experience. I still am with this bank till i get money back, so I'm allowed to get documents. I'm constantly watching for fraud. Like a job I watch and monitor. Why would they pay back 2 accounts and not one? I finally heard about regulation E and now I'm here. It's such a blessing we have rights!
Company Response:
State: TX
Zip: 76133
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Chase is reporting negative information in a form of late payments to the consumer reporting agencies ( XXXX, XXXX, XXXX ) in reference to me as the consumer. Pursuant to 15 USC 1681s-2 ( a ) ( 7 ) ( E ), no federal law under the Fair Credit Reporting Act requires a financial institution to furnish negative information about a consumer to a consumer reporting agency. Furthermore, under the Federal Truth In Lending Act 15 USC 1666b ( a ) state that A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. As a financial institution, as defined under the Gramm Leach Bliley Act, Chase failed to perform their obligation to respect and protect my privacy. Chase failed to provide me an adequate opt out notice and Ive NEVER granted Chase any lawful consent to disclose my nonpublic personal information to any nonaffiliated third party pursuant to 12 CFR 1016.7. By willfully reporting negative information to the consumer reporting agencies WITHOUT MY CONSENT constitutes as a form of punishment to defame my character. Chase actions are identified under 18 USC 894 for knowingly participating in any way, or conspiring to do so, by using extortionate means to punish me as the consumer. Having expressed these federal violations Chase breaking under the Fair Credit Reporting Act, Truth in Lending Act and Gramm Leach Bliley Act, I am demanding Chase to CEASE AND DESIST these illegal actions. Pursuant to 12 CFR 1016.7 ( g ) Chase is required to comply with this opt out notice upon receipt and comply with the follow
Company Response:
State: PA
Zip: 19142
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently reviewed a copy of my credit report via XXXX, and it looks like JPMCB recently checked a copy of my personal credit report. I am not doing any personal business with the company and the inquiry should be removed from my credit report immediately. I also do not personally have any type of account with JPMCB. The inquiry is dated XX/XX/2022. Please remove immediately. I chatted with both companies. JPMCB redirected me to XXXX and XXXX redirected me to JPMCB.
Company Response:
State: GA
Zip: 30906
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
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: Dear CFPB and Chase, This is a response for complaint XXXX ( CFPB ). I'm not satisfied with the outcome of that complaint for the XXXX XXXX and the related fee for XXXX and XXXX Billing Statement. Regarding the XXXX XXXX, the response is that I have not provided document regarding the wrong price. I have provided the email confirmed that the purchase price is lower. But it is no longer applicable since I already returned the item to the store and I suppose to get a full refund. I would change the reason of the dispute to return and not receive a credit. Please see the return receipt which I already provided and I will also attached to this letter. I provided everything back in XXXX and the case is never resolve. Originally the case was file because the purchase price is different from the charge, however, because Chase take forever to response, I have to return the item to make sure I get the money back, however, they never refunded me after I return the item. Regarding the related fees for XXXX and XXXX, they are The interest charges of {$200.00} and {$21.00}. I would like to get a refund for it. In your response you told me because I made the full payment for that billing period, the fees are not refundable. It's wrong, because the fees are associated with the XXXX, XXXX and XXXX XXXX disputes, now that I win the XXXX and XXXX XXXX dispute as up now. I should get that fees back. It's because Chase take forever to resolve the claim which make the interest fee accumulate in my account. Please be fair and refund me for it. I requested to change the dispute reason for the claim : XXXX to return and not receive refund and change the dispute amount to full amount of {$3300.00}.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have this credit card that I already pay annual fees on. I took a balance transfer for a 0 % APR for up to 12 months and paid a balance transfer fee of {$720.00}. I do not have to pay the balance until XX/XX/XXXX. Meanwhile, I had a minimum payment of XXXX every month but because I envisaged using the card for other purchases, I decided to increase my payment monthly above the minimum payment. There were few purchases made that I paid off during the statement billing period. In XXXX I wanted to make a significant purchase from XXXX- the Merchant branded for this credit card, so I had to use this credit card, and when I had to travel abroad on an extended period, I made a large payment on the card to have enough to use with the card as well. Unknown to me, this company has been charging me interest on every purchase without granting any grace period, and even when I made the payment of the amount prior to making the purchase. I wrote to them complaining about the issue and demanding a full refund of all interest charges or fees for purchases made but they refused to correct it. All I was to pay was minimum payment on the balance because I already paid a balance transfer fee to earn a 0 % APR, but these greedy, inconsiderate, and corrupt company called Chase Bank decided to continue charging me interest on every purchase made, no grace period even when I made payments over the amount used. This is cruel and completely unacceptable. I am escalating this dispute and I need every interest charged waived and returned immediately with reference to {$18.00} interest or fee charged on the XX/XX/XXXX, statement, and {$43.00} interest or fee charged on XX/XX/XXXX statement. The full balance is on a 0 % APR from a balance transfer where I paid over {$700.00} balance transfer fee. Enough of this exploitation and extortion from this financial institution.
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: So I have a Chase secure banking account, and my account is currently reporting a negative {$620.00} balance, which is impossible because the account is set up so that I can never go negative. I have already tried calling Chase to get this situated, but they are not able to get it situated.They are telling me that an XXXX XXXX payment of {$630.00} has been processed on my account, but that is not possible because the transaction was declined.
Company Response:
State: FL
Zip: 32771
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/22 my phone was stolen. The thief managed to hack into several accounts, including XXXX, XXXX XXXX, Chase App and transfer all of my money to other accounts. I was reimbursed for all charges, except {$2000.00} from unauthorized XXXX transfers. Chase denied the claim because they were made from my device, despite it being stolen. I reported the My information stolen to chase the following morning. I contacted them multiple times and they were unwilling to help and hung up on me several times.
Company Response:
State: TX
Zip: 77033
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX Acct # : XXXX... Balance is incorrect - Shold be XXXX Dates are incorrect
Company Response:
State: TX
Zip: 75028
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Fraud or scam
Subissue:
Consumer Complaint: Date and Amount : XX/XX/XXXX, {$15000.00} XX/XX/XXXX, {$15000.00} XX/XX/XXXX, {$10000.00} XX/XX/XXXX, {$20000.00} XX/XX/XXXX, {$40000.00} XX/XX/XXXX, {$10000.00} XX/XX/XXXX, {$30000.00} XX/XX/XXXX, {$13000.00} XX/XX/XXXX, {$22000.00} On XX/XX/XXXX I informed XXXXXXXX XXXX XXXX XXXX XXXX that the wire transfers were fraudulent, XXXXXXXX XXXX requested return of the funds from JP Morgan Chas but Chase said that they were unable to make contact with the customer. I believe a smart and vigilant banker would have frozen the account until the questionable situation was rectified.
Company Response:
State: NJ
Zip: 07307
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A