Date Received: 2022-12-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I allege that Chase Bank is MANIPULATING my Sapphire prefered credit card in order to gain higher interest. Chase posting of transaction is PURPOSELY NOT FAST enough, so they can always have a balance on my credit card. For example : when my card had a balance of {$210.00}, I paid with actually 'cash from my checking account '' which is immediately transfer. Chase did not clear it, hold it PENDING AND WITH A RECALCULATED BALANCE OF {$180.00}. ONCE AGAIN, I CALCULATED HOW MUCH I WAS SPENDING, AND PAID THE BALANCE OF {$180.00}, AND HOLD IT PENDING, NOT CLEAR IT. THUS CHASE IMMEDIATELY POSTED EVEN A HIGHER RECALCULATED BALANCE OF {$180.00} WHILE {$180.00} WHICH I TRANSFERRED FROM MY CHECKING ( CASH ) ACCOUNT, IS STILL PENDING. IT SEEMS CHASE IS TRIPLE DIPPING : USING MY MONEY FROM MY CHECKING ACCOUNT, HOLDING MY CHASH AS PENDING, WHILE I TRANSFERRED TO MY CHASE CREDIT CARD... ON THE CREDIT CARD, MY ACTUALLY CASH IS PENDING, AND THE MERCHANT IS NOT PAID ON TIME .... ALL FOR THE GAINS OF INTEREST ILLEGALLY BY CHASE. THIS IS SO INJUST!
Company Response:
State: IL
Zip: 60169
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2022, my checking account was charged almost {$5000.00} between XXXX transactions all going to what looks like 5 different people in XXXX XXXX XXXX. The names are : XXXX XXXX, XXXX XXXX XXXX, XXXX De XXXX, XXXX XXXX XXXX XXXX XXXX. On the night of the charges, I received automated calls from Chase and I denied 1 of them but the calls came in as I was on the line. I received multiple calls from chase and couldn't answer them at once. The next morning I woke up to all these charges and called the bank immediately. My debit card was closed and a claim was filed. I had no access to my money while this was happening and I awaited a new debit card in the mail. On XX/XX/XXXX, the charges were reversed and I thought everything was handled as these are clearly not my charges.This morning ( XX/XX/XXXX ) I was shocked to see another reversal and the fraudulent charges were placed back into my account leaving my checking account overdrawn - {$3700.00}. I again contacted the bank and was told that my claim was denied as these charges came from my phone using either a fingerprint or facial recognition. This is not the case at all as I have never lost my debit card or phone and I have no reason or any previous history of sending money to XXXX. This is putting a major hardship on my financial state as I am unable to pay my rent or put food on my table for myself or my kids. I'm willing to send my phone to any investigative agency that wants it but I need to get this figured out fast. I did have my debit card linked to XXXX XXXX but again, my phone never left my person and I swear on everything that is good in this world that I never authorized these charges. Please help!!
Company Response:
State: MI
Zip: 48073
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: my personal account was closed without notice and without cause. I spoke to everyone at the bank that i could reach, but no one can tell me why my account was closed and why i was not notified. I found out my account was closed when my transactions started to get returned. And now, they will not let me withdraw the money. they said I have to wait till I receive a letter and can not tell me when and how I can withdraw my money. this can cause a customer a great deal of harm. I can not use my funds and have all sorts of running expenses to support a family.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: So Ive filed multiple claims with CHASE bank because my identity was stolen while I was incarcerated. They have denied me & claimed to understand the situation but cant help me I just want my life back.
Company Response:
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I submitted a Wire through Chase Online bank on XX/XX/XXXX. The wire completed same day according to Chase mobile app. I submitted a second wire on XX/XX/XXXX and that wire was was received and credited to the recipient account. I have waited for the XX/XX/XXXX wire to arrive and through multiple calls throughout multiple days I get the run around that the wire is completed. Both wires were sent to the same exact address using the same wire template. I had previously submitted wires to the same recipient with no delay or issues. I needed that money today and no one is helping.
Company Response:
State: CA
Zip: 91790
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My XXXX XXXX XXXX ( birth parent ) named me primary XXXX of a securitization trust. The mortgage company has failed in paying me her death benefit of over {$500000.00}. The original mortgage company was purchased by another bank, after my XXXX XXXX. Also, another bank was trustee of the mortgage after my XXXX XXXX and they too did not contact me either. For over 18 years I have written both banks and the original mortgage company, numerous times telling them I am the named XXXX XXXX XXXX XXXX, and that I have not been paid out my inheritance from her death benefit. I have also sent several copies her original death certificate to each bank and mortgage company. This has been going on since XXXX until present.
Company Response:
State: MO
Zip: 63136
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX I had a fraudulent check cashed from my business account. 10 days later I found out about the criminal act and contacted Chase Bank who referred me over to their fraud department. I was told to fill out a form and then in 90 days they would have a response. I was asked on three different occassions to fill out more paperwork and they finally confirmed they have the all information to have a response on XX/XX/XXXX. After 100 days ( XX/XX/XXXX ) I contacted Chase Bank and they told me to wait another 90 days so they can continue their investigation. After almost 10 months I was told they submitted a request to the bank that deposited the check XXXX Bank and said they are waiting for XXXX to give back the monies. However, when I contacted XXXX Bank they told me that Chase is the clearing bank and they should be paying you back, not XXXX. During the entire time I filed a criminal report with the police and the District Attorney office has told me they arrested the person responsible for this fraud and I gave Chase bank the arrest report and the case number. There is no dispute this was fraud but Chase bank continues to not reimburse me bank for the fraud. It has been over 12 months from when this happened. Please HELP ME it is a lot of money!
Company Response:
State: CA
Zip: 92503
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Hello, I am writing in hopes of getting help with solving the current issue I am facing with my bank. I am a Chase Bank holder and I recently was faced with someone using my debit card when I lost it. I lost my debit card on the night of XX/XX/XXXX when out with some friends. Later that week and moreover the following week I wasn't checking my account and it turned out someone was using my debit card to make purchases in numerous amount of places. After someone was using my debit card it amounted to {$370.00} of used funds. I tried to claim fraud charges on my account but Chase bank said I authorized the charges. I kept explaining to them that I was nowhere near where the charges were made but they wouldn't understand. They specifically indicated that I reach out to the restaurants to see if I could get my refund from them. I called every place and indicated that all transactions were final. I have credit cards and mostly all financial services with this bank and the way they tried to resolve this issue was horrible. I never knew how hard it was to fight for your money back. However, if I were using my credit card, the banks would've solved it a long time ago. They seem to not care when it's your money at hand. I truly demand a refund.
Company Response:
State: IL
Zip: 60614
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Thank you. Your complaint was submitted to the IC3. Please save or print a copy of your complaint before closing this window.This is the only time you will have to make a copy of your complaint. Victim Information Name : XXXX XXXX Are you reporting on behalf of a business? Business Name : Is the incident currently impacting business operations? Age : Address : XXXX XXXX XXXX Address ( continued ) : Suite/Apt./Mail Stop : City : XXXX XXXX XXXX : NV Country XXXX United States of America State XXXX Nevada Zip Code/Route XXXX XXXX Phone Number : XXXX Email Address : XXXX Business XXXX XXXX, if applicable : Other Business XXXX, if applicable : Description of Incident Provide a description of the incident and how you were victimized. Provide information not captured elsewhere in this complaint form. My checking account with Chase Bank was compromised by a person in XXXX XXXX XXXX. My debit card was compromised. I reported this to my Chase Bank, and my wife and I went to the bank and got new cards. I have never lived or worked in XXXX XXXX XXXXXXXX. The attached checking listing is not complete. If you need a complete listing, please let me know ASAP. Reversal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card Which of the following were used in this incident? ( Check all that apply. ) Spoofed Email Similar Domain Email Intrusion OtherPlease specify : Unknown Information About The Subject ( s ) Who Victimized You Name : XX/XX/XXXX Reversal : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Business Name : Address : Address ( continued ) : Suite/Apt./Mail Stop : City : Country : State : Zip Code/Route : Phone Number : Email Address : Website : IP Address : Other Information If an email was used in this incident, please provide a copy of the entire email including full email headers. [ No response provided ] Are there any other witnesses or victims to this incident? None If you have reported this incident to other law enforcement or government agencies, please provide the name, phone number, email, date reported, report number, etc. XXXX XXXX Police Department, XXXX, XXXX, XX/XX/XXXX, Report submitted on-line. Check here if this an update to a previously filed complaint : Who Filed the Complaint Were you the victim in the incident described above? Yes Name : Business Name : Phone Number : Email Address : Digital Signature By digitally signing this document, I affirm that the information I provided is true and accurate to the best of my knowledge. I understand that providing false information could make me subject to fine, imprisonment, or both. ( Title 18, U.S.Code, Section 1001 ) Digital Signature : XXXX XXXX Thank you. Your complaint was submitted to the IC3. Please save or print a copy of your complaint before closing this window. This is the only time you will have to make a copy of your complaint.
Company Response:
State: NV
Zip: 89145
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
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: I had stolen my Identity and someone had made lots of Fraudulent charges from XXXX. I had never had authorized these transaction.. XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 91011
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A