Date Received: 2022-12-15
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: I received a check in the mail from my car insurance company. The check was drawn from Chase Bank. The check was written to both my wife and I. Both my wife and I, arrived at the Chase Bank at XXXX off of XXXX XXXX. When we arrived there were 2 customers being taken care of at the window. The representatives were extremely kind to them and they were all having holiday and life conversations. Once it was our turn to approach the window, we were greeted with a simple and dry what can I do for you? The change in tone made me feel uncomfortable ; it was very different from the conversations and tone that was being given to the previous customers. We presented the check and we were told by two employees that it was a chase policy, that they were unable to cash our check. My wife and I, asked why ; the representatives stated that the Chase policy stated, you can not cash a check that is written with two names on it. I said, but both parties are present and we both have 2, pieces of valid government issues Identification. I dont understand whats going on. I asked can you get a manager to assist, this just doesnt make since. The second representative chimes in and reiterated that that is the Chase policy and we can not cash that check ; sorry. There is no manager available, again this is the policy for all Chase branches. The original representative stated he would try and run the check but it wasnt going to work, but since I insisted, he would try. He goes in the back of the office ( where we cant see him ) and he comes back and says, unfortunately it did not work. Youll have to deposit the check at a bank where you have an account. Have a nice day XXXX XXXX. Although, he was speaking to me, why would he come back he only address my wife. My wife and I, leave the bank. My wife wasnt feeling well so I took her home. I had another errand to run, and as I was driving, this situation just didnt sit well with me. I felt that I was treated differently because I was XXXX XXXX. The customer service representatives were Caucasian and the customers who they were assisting before my wife and I, were also Caucasian ; those customers whom the representatives were overly kind to. So kind that in observing, my wife said the people here are very nice. Why didnt they show that same kindness to my wife and I. Why wouldnt they get a manger for us, attempt to get one on the phone. Try to find a way to assist my wife and I through this process? On my way to my next stop, I saw another Chase branch. I decided to stop. I go into the branch and present the same check and explain the previous situation to the representative. She stated, I can cash this for you but I need your wife present, and you both will need 2 pieces of government issues IDs. I also asked this representative, what was the policy on checked issued to, two individuals. She pulls up the policy and she said there is no where within this policy that it states we can not cash checked issued to two individuals. I went back home, picked up my XXXX wife, to drive her to the XXXX XXXX branch. We arrive, the representative asks for our 2 pieces of ID, and runs the check, in front of us through the machine, not in the back office where we cant see, and cashes the check. She made us aware that there was a {$10.00}, check cashing fee, we agreed and she counted out our money and placed it in an envelope. My wife and I feel discriminated against. Why did the first branch deny our check to be cashed, why were we greeted and treated different from the customers that were serviced before us? This interaction and experience caused me to feel sick to my stomach with a tightness in my chest. I contacted Chase customer service and Chase headquarters out of Ohio, both representatives and supervisors told me that there was no policy that prohibits checks from being cashed because there are two people listed on the check. The supervisor at headquarters, apologized that I had to go through this and assisted me in starting a customer complaint case. I filed a discrimination complaint directly with Chase Bank on XX/XX/22. Case number : XXXX Thank you for looking into this matter, XXXX XXXX
Company Response:
State: MI
Zip: 48044
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I mailed all paperwotk and payoff amount on XX/XX/XXXX via certified mail Delivery receipt on XX/XX/XXXX I called on XX/XX/XXXX to inquire of status and was told odometer disclosure was invalid due to handwritten correction. I resent via docusign and received email confirmation of receipt. On XX/XX/XXXX the check that was mailed o XX/XX/XXXX was cashed. On XX/XX/XXXX i again called to inquire status and was told the odometer disclosure was never received. I once again submitted via docusign and received email confirmation of its receipt. On XX/XX/XXXX I called again for a status update and was told odometer statement was received XX/XX/XXXX on still in process. He placed a rush request and estimated i would receive the week of XX/XX/XXXX. On XX/XX/XXXX I called to check status and was told it was still in process and would have on XX/XX/XXXX. On XX/XX/XXXX i called for status and was initially told they were still awaiting the odometer disclosure. I read the timeline at which point it was acknowledged that all paperwork was in order. I am still on phone with supervisor to determine why i have not received my title and sale documents. I am unable to register my car for nearly three months after payoff.
Company Response:
State: NH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Chase took illegal action to close two of my checking accounts - a business checking account and a personal checking account. When they closed these accounts, they blocked all online access to my pre-existing Chase-issued XXXX Credit Card account XXXX These accounts all have the same login location on the internet. I have been unbale to access the account to make any payments or to otherwise use the account as I could use it previously. I demand Chase explain why they have taken these XXXX actions. I refuse forever and permanently to pay any amount on this card until the damages Chase has created by their irresponsibility it fully corrected with compensation to me for their damages and losses that they have caused. {$25000.00}.
Company Response:
State: FL
Zip: 33176
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I had a trip to XXXX XXXX for vacation with my wife. We sat outside a XXXX XXXX and had a few drinks. We had our card on file as we had to do that to have an open tab. We left the XXXX and the next day noticed charges that were not ours but from some random group that was sitting next to us. The merchant charged us for their drinks. We disputed the charge multiple times and were told it was a legitimate charge and it was denied. I asked it to be reconsidered multiple times which I had to write a letter and fax it in as the would not do any reconsideration over the phone or email. I believe this is a tactic to cause so much time and frustration most people drop it. I asked Chase more than 10 times now for evidence that I signed for transaction but they will not provide it. I have asked Chase more than 10 times for arbitration as the contract says I have to arbitrate it. I reviewed this with a lawyer and he says I could file small claims or a direct arbitration but both of which are multiple times more than the dispute. I have found multiple articles about this fraud on our local XXXX news that Chase did the same thing to many others. I want to join a class action or other ability to get Chase to stop denying these legitimate claims and uphold their contract which they are in breach. Please help. Chase dispute claim # XXXX XX/XX/22 XXXX XXXX XXXX XXXX {$170.00}
Company Response:
State: OR
Zip: 97045
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have a Chase checking account. In XXXX I opened a XXXX Bank account. This year I set up an XXXX withdrawl of {$100.00} to be transferred from my Chase account to my XXXX account monthly. On the following days, Chase took out {$100.00} from my checking account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once I noticed that the transfers from Chase were not in my XXXX account, I contacted Chase. Chase insisted I had to contact XXXX Bank to resolve the problem. I contacted XXXX and they insisted I had to contact Chase. After spending several hours on the phone with both Chase and XXXX, I decided to close the XXXX Bank account. This was in early XXXX. As you can see from the above dates, even after I closed the XXXX Bank account, Chase still took out money from my Chase account, supposedly to send to an account that was no longer in existence! I have sent numerous messages to Chase via the secure online system. Chase finally refunded me two of the {$100.00} withdrawals. This was done on XXXX XX/XX/XXXX. Chase refuses to refund the remaining two withdrawals of {$100.00}. I believe withholding my money constitutes theft. Chase withdrew {$400.00} from my checking account. None of this money ever reached my XXXX Bank account. Chase has returned {$200.00} to me and has now refused to return the rest of my money ( {$200.00} ), declaring the inquiry closed! I would like my money bank. This is not the first time I have had problems with Chase. ( I had a Chase mortgage and the pay off sum I received was not in line with what I anticipated based on the information in my account. ) I am enclosing the following : 1. Some of the correspondence between Chase and myself 2. Proof from my Chase checking account showing the withdrawals and returns described above. 3. Letter from XXXX Bank stating they never received any of the money Chase claimed it had sent to my XXXX account. Thank you for your assistance.
Company Response:
State: TX
Zip: 78209
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I think someone made an account under my name with chase and keeps opening it up some how when I closed it with the bank and it keeps re opening and They told me that they think someone has stolen my social security but I didnt think anything of it in till now cause I keep getting statements thru email basically saying the account is active. Also my account got overdrawn somehow So i think someone has my social somewhere.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Other transaction problem
Subissue:
Consumer Complaint: XX/XX/XXXX. XXXX {$210.00} XX/XX/XXXX XXXX XXXX {$210.00} Money was withdrawn from my bank account without my authorization or participation, when this was brought to the attention of my bank, i was told that " I DID IT ''. and that there was nothing that they can do about it. i was prepared to give a polygraph exam to prove my innocence. I am retired and living on a fixed income. Also, I am a XXXX XXXX XXXX Veteran ( At the beginning of the XXXX XXXX XXXX ). How can you say to me THANKS YOU FOR YOUR SERVICE ( not only to my country, but also to my bank ). then show me such DIS-SERVICE NOT EVEN GIVEN THE THOUGHT OF MY INNOCENCE. The bank did not adequately consider the possibility of my innocence. Even though I had XXXX remove from my account, and requested new credit and debit cards, and changed my account password. And I filed a police report with the XXXXXXXX XXXX XXXX A thorough and complete analysis of this case is not only appropriate, but warranted, And that I should be compensated for my pain, suffering, stress, and for XXXX PROFILING, and violating my consumer protection rights using deceptive practices and ignored proper protocol. ( Their investigation team ).
Company Response:
State: IL
Zip: 60517
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: Applied for a United Airlines credit card through Chase Bank. Applied XXXX different times. Received letterS stating XXXX has an extended alert on my account and to call them. Called XXXX- they state there is no such alert on my account. I have called XXXX on XXXX separate occasions over the past month. I have spoken to Chase Bank 2 times. I'm stuck in the middle. There is no alert. My credit is excellent - XXXX. XXXX now says to call Chase and have them call XXXX. Chase says to come into a branch office for some reason. I need to be sure that XXXX will not be giving out bad information. Feeling frustrated and caught in the middle.
Company Response:
State: VA
Zip: 22102
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX I noticed a {$9000.00} cash withdrawal from my Chase checking account that I did not make. I called the fraud/claims department at Chase at XXXX and was told that since the withdrawal was pending I had to wait for it to post the next day, go to the Branch and file a claim in person. On XX/XX/XXXX I checked by accounts online, saw that the {$9000.00} withdrawal posted, printed the voucher, which indicated a withdrawal date of XX/XX/XXXX, my signature forged and an account number crossed out and my account number written on top. On XX/XX/XXXX at XXXXXXXX XXXX I went to the XXXX XXXX Chase Branch in XXXX and filed a claim. I was told that the paperwork was submitted that day. It would take 3-5 days to investigate, which I don't understand why as this transaction was conducted at a branch in XXXXXXXX XXXX, I do not live anywhere near there, this pattern of transaction was completely out of pattern and I FILED/SIGNED the declaration that the transaction was not mine. On Monday XX/XX/XXXX I called the claims department and was told that the Dept still hasn't received my declaration and it can take 2 business days, it was sent internally!! Went back to branch they confirmed was sent, now the branch is saying investigation can take up to 8 days ... why? I am out {$9000.00} it was not me, and they can prove it. My account should have been credited immediately!!!!! In addition I would like to know why a transaction conducted at a branch on XXXX did not post to my account until XX/XX/XXXX?
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/2022 I made an XXXX purchase which I thought was on my XXXX card, but went to my Chase XXXX card instead. This would have been no big deal except that Chase had decided at random to change my address and so sent me no statements nor emails saying the bill was due or past due. In XXXXXXXX XXXX XXXX sent me an email saying I had missed a payment on JPMBC, once alerted to this I managed to track down and determine what was going on, Chase admitted they had changed my address and had gotten this new fake address from the post office. After hours on the phone their customer service person agreed to waive all fees and I agreed to pay the original amount that it shouldve been in XXXX of XXXX. They then transferred me to a card supervisor XXXX ID number XXXX so that she could correct my credit report to reflect that I have not missed payments etc. She was extremely rude and simply lied saying that they could only get the address change with authorization from the card holder. At one point she, admitted they had changed the address due to the post office, not to mention several other people I had spoken to that day also stated the address change was because of the post office. She also tried to claim that they could only go by the information given on the original opening of the XXXX account, which of course had my actual Address since I have not moved in 22 years. She absolutely refused to correct the credit report and when I called to pay the original amount had put some kind of flag trying to reinstate all late fees, interest etc. my attorney advised me to pay no more than the corrected amount since they had randomly decided to change my address, and to file this report.
Company Response:
State: WA
Zip: 98665
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A