Date Received: 2022-12-19
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I recently complained to the CFPB about tactics my financial institution was doing in order to restrict my access to my money. As expected the bank denies discrimination and does not give a reason for their actions. Hiding behind an agreement that legally covers their actions. Well as retaliation for my complaint to the CFPB, Chase Bank is holding money from a payment I took on Friday. This payment was taken via credit card and this morning I was informed Chase has received the funds from the other financial institution but is not giving me access to it because it needs to be reviewed. They state they dont have to tell me what is being reviewed or why the review is necessary only saying they can hold my money for up to XXXX business days without explanation. XXXX sorry but this is retaliation and XXXX there is no reason that holding my money is necessary. In fact doing so is causing financial harm as I believe overdraft fees have begun to accumulate and employees are left unpaid
Company Response:
State: IN
Zip: 468XX
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: Chase is refusing to help and remove unauthorized charges on my account, representative said charges are valid after 60 days of posting regardless of status. Ive asked for them to change my account number and file disputes however the agents refused and because of their refusal to help, my account went negative and they closed it out after the fraudulent transactions posted Now my account with fraud activity was closed and chase is making me responsible for transactions I never authorized
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I got a alert about me filing for a credit card from chase I have never asked anything from them and it was a hard inquiry so I want to report as fraud and they are denying it but my credit report gave me phone number to them now it's on all my credit report
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I have visa credit card with chase. They have been emailing me the past month with offers to pay purchases over {$100.00} in installments with no plan fees. The offer in the mail states : " Break up purchases over {$100.00} into equal monthly payments. Enjoy no interest plus $ o plan fees on the first MY Chase plan you create by XX/XX/XXXX ''. The last email I had for this offer was on XX/XX/XXXX. I paid for a future vacation worth {$7000.00}. on XX/XX/XXXX hoping that I could avail of this offer. However, all of a sudden, my ability to pay over time was cancelled on the chase app. The site was not allowing me to avail of this offer. When I asked the company for an explanation, they said that customer 's eligibility changes based on circumstances and that they could change at any minute. They specifically said that " offers can be removed for various reasons. When account information changes, offer eligibility changes '' I think that this is false and fraudulent advertising. It entices the customer to take on credit with the hope of using an advertised offer from the company, and once credit has been obtained, the offer is suddenly discontinued without explanation
Company Response:
State: WA
Zip: 98290
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
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: Hi, JPMC is reporting/furnishing incorrect dates, amounts, negative items and false payment history to my credit report based on the insufficient investigation results. This intentional XXXX discrepancy need to regulated and removed. - The charge off dates are years apart and incorrect - Status update dates are years apart and incorrect - The payment history are years apart and incorrect Based on the before/after results the following issues got worst : BEFORE COMPLAINT RESULT Account name : JPMCB CARD Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 11213
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I applied for a Chase Freedom Credit Card on XX/XX/22. I waited 30 days for the response on my application. I checked the status of my application my times throughout the 30 days and always was told that it was still processing. I got in touch with a Chase representative during the second week on XXXX, which was about 45 days after my initial application was submitted. I was transferred to 3 three different people and all I wanted to know was the status of my application. I was told on that phone call I would get an email or letter in the mail with a decision with 2 weeks, so by the end of XXXX. I receive no letter of a decision. I called Chase twice on XX/XX/22 and spoke with a representative both times. I want some type of denial in the mail discussing why I was denied or if I was approved. Both representatives said that legally that information should be provided to me. I was transferred to the leading department both times, which was closed for the day. I was advised to reapply and did so on XX/XX/22. I was approved the next day, so Im assuming something went wrong with Chases system in my initial application. I even checked to make sure my address was correct on the Chase app and it was, so I shouldve received a letter. I called Chase again on XX/XX/22 and spoke with a representative. I was told my initial application was out of the system and could no longer be given a letter of decision on my application. I asked to speak to someone about getting the hard inquiry taken off my credit, but was told Chase didnt have the ability to do so. I asked to be transferred to the leading department, and the representative refused and persisted that nothing could be done to help me. Today is XX/XX/22 and I first applied for my Chase Freedom Credit Card on XX/XX/22. I still have received nothing on a decision from Chase.
Company Response:
State: NV
Zip: 89121
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I started working with Chase Bank to solve my mortgage delinquency back in XXXX. When covid came they experienced some of the same service problems that everyone was experiencing. It was very difficult to reach some one and when I did, they were new or overworked so I got nowhere. They just kept putting me in a forbearance. Finally in late XXXX someone told us about XXXX XXXX XXXX Ohio ( XXXX ). I applied and was denied and sent to a Housing Counselor. She was able to get XXXX to approve our file. This is where the problem with Chase continues. On XX/XX/XXXX we owed {$25000.00}. XXXX had XXXX for us. All we had to do is give Chase XXXX. They would not take it. I have been trying for months to get them to take the money, hold it, tell XXXX the difference is there so they will send the XXXX. They won't. On XX/XX/XXXX it went up to {$26000.00}. Chase still won't take the money. Now XX/XX/XXXX its {$28000.00}. Chase still won't take the money and now I don't have {$3600.00}. XXXX has been telling us for months that they have sent Chase the conditional approval. ( That is what they say they need ) Chase keeps saying they don't have it. I'm stuck in a loop. I need help. I am going to lose my house.
Company Response:
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made an ATM Deposit at the chase XXXX branch in NY the amount was {$1800.00} USD but after the investigation they said was only & XXXX. I file a claim since day 1 but chase doesnt help me to get my money back.
Company Response:
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I have submitted two prior complaints here and with the comptroller as well and I have yet to reach a conclusion or get the money. I was told I could go into a branch so Ive done that and they still insisted on a phone number for verification despite being able to verify our identities in the flesh : Im starting to believe they are doing this purposefully and Ive contacted the attorney general to see if they can help. The closure on my account was done because of what they say in proper endorsement. I have enclosed photos of the exact endorsement that they told me to put on the back because I consulted them before depositing the third party check.. thats the kicker of all of this I wouldve never in XXXX XXXX years done. This had I not been advised by Chase themselves. I am just one of thousands that are having the exact same issue and while I am sure they have a massive amount of fraud going on, Ive jumped through every hoop, and complied with every demand for information you requested, and its all been legitimate. This money was for rental assistance for her mortgage so please let that sink in. Almost a year is appalling in the fact that you want to send the funds back to the states that she can get them through them just means chase has out right stolen 4 months of rent and significant stress on my fianc. The last complaint I made was completely ignored under, dressed and closed without even reaching out to see that there was any sort of solution, which is what they do. If you file a subsequent claim against them, they close it out immediately and chalk it up to all, we already addressed us but no, I am writing to say youve not addressed my initial issue three complaints ago. Im leaving her number for you to verify since I cant get anyone to help me on the phone I always get a they will call you back spiel and then I dont hear from them.
Company Response:
State: NH
Zip: 03110
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX I used XXXX through J.P. Morgan chase bank to my salon land lord. It went through on my end and it was not received by his bank. I asked chase to track the transfer but instead they put it in as a dispute. I dont dispute the money they was sent I am asking them to track where they sent it to since the owner did not receive it. Tracking number was XXXX. I can not get anyone from chase to help me.
Company Response:
State: NV
Zip: 89141
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A