Date Received: 2022-11-28
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On Friday, XX/XX/XXXX of 2022, the following events happened : I received an alert from my bank ( Chase ) stating that one of my checking accounts was withdrawn {$15000.00}. I immediately knew this was unauthorized and the only description my account had for this was " Withdrawal. '' Since my husband and I share this account, he called Chase to get more information. The rep he spoke to stated we needed to go to a branch in person to get more information. We went to the nearest Chase branch in our area, which was 50 mins away. This is the address of the branch we attended : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX. The teller, XXXX, stated that there wasn't any more information about the {$15000.00} withdrawal because it was pending. However, he confirmed that this withdrawal was done in person at a Chase branch. We asked for the location and time of this event, but he stated we needed to wait at least 24 hours until this transaction posts to get more insight and that there wasn't any way of stopping this transaction. Since our checking account did not have the funds for this XXXX withdrawal, our savings account was completely wiped out as an " overdrawn security measure '' and moved to our checking account to help compensate for the overdrawn funds. We let the rep know this was fraudulent and unauthorized, but they couldn't do anything until we filed a police report first. We went to the police station and came back to the same Chase branch to give them the reference number that the cop gave us. We spoke with the same teller, XXXX, but said there wasn't anything else to do right now. He did make note of our situation. There was another teller that briefly looked at our account and said this looks like a " glitch '' in our system and it could be " because of the holidays. '' We left unhappy, stressed, and wasted a whole day trying to resolve this. On Saturday, XX/XX/XXXX of XXXX, the following events happened : I logged onto my Chase account and saw that the transaction was posted. I clicked on the withdrawal and saw a copy of a cashier 's check for the {$15000.00} with two names we did not recognize. It stated that the customer 's name was XXXX XXXX XXXX and the payee 's name of XXXX XXXX and they used our checking account number for the withdrawal. We headed to the same Chase location from yesterday and spoke with the same teller, XXXX. He stated that this check was done in Ohio. My husband and I asked him " how was someone able to withdraw an amount so large if the name on the account doesn't match the name on the withdrawal slip that they filed out? '' AND " how was someone able to withdraw more money than what the account actually has? '' ( because we did NOT have XXXX in this checking account ). XXXX, the teller, stated that it most likely was a " glitch '' in the system and that the system must have " read it wrong. '' THAT'S A HUGE GLITCH! The withdrawal was reversed and we got our funds back to normal, HOWEVER ; we wasted two days resolving this, I had TWO panic attacks because I thought this was identity theft, and it caused us gas, money, and stress for a " glitch! '' They apologized for their mistake, but this isn't enough. Anyone could have been a victim of this " glitch '' including the elderly that does not know much about technology and actually had the money in their account. This mistake would have been unnoticed! Involving an attorney is a high possibility at this point.
Company Response:
State: TX
Zip: 765XX
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On the night of XX/XX/XXXX I went out to a bar in the XXXX XXXX of XXXX, my phone died and I was offered a ride from a person I met at the bar. We stopped at XXXX on the way home and I paid next to this person for some snacks. I was wearing a dress for XXXX so I ended up leaving my phone in the car. When I woke up I called the bank to report my card lost. They said that my card was fine and there was no transactions made. However the next day my account overdraft. Im 8 being a customer for Chase my account has never been overdraft. There was 7 charges to my account totaling about {$1800.00} XXXX XXXX XXXX - {$20.00} XXXX XXXX XXXX - {$20.00} XXXX XXXX XXXX XXXX - {$60.00} XXXX XXXX XXXX XXXX - {$60.00} XXXX XXXX XXXX IL - {$1600.00} XXXX XXXX XXXX XXXX XXXX IL - {$4.00} XXXX XXXX XXXX XXXX XXXX IL - {$41.00} XXXX disputed the transactions however they were denied. I asked if I could talk to someone but they said the only way I could dispute the denied transactions was via FAX. I then looked for any substantial evidence I could find. I screen shotted The transaction of {$1600.00} location. I typed what appears in the charge in XXXX XXXX because theres no phone number and what I see is lots of abandoned buildings. They suggested I go to the merchant and try to get the money myself but theres no address or a phone number to even do that. I have a ring doorbell that records me when I get home and it shows me getting home with a dress and noticing my keys and walled and phone are missing. I screen shotted that and told them I could send the video directly from the app with time and date so they know is legit in the fax. But no one ever got back at me. I also filed a police report.
Company Response:
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2022-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-24
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: This is a on going problem where I asked XXXX bank for a increase on my credit card which I have had for 7 years. All on time payments and almost all my balances were paid early. Well they gave me this song and dance about me giving them all this information which they already have. I explained that after being a customer that long most banks want to raise the limit. Well this XXXX guy XXXX sent me this secure message that they dont do that. I found out accidentally at a meeting with other dav veterans that that exact bank done it for XXXX other veterans. Then in another secure message I was told by another customer service lady that they do give customers a credit increase after on time payments. I was lied to by an employee of this bank and still didnt get my increase. So I am XXXX XXXX off veteran who doesnt accept bs and I need help with this. They did have a guy from their corporate call me but he spoke so low you couldnt understand him. This happened twice I believe. His name was XXXX and I believe they were trying to play me. I am currently on hospice due to my time in service and I would appreciate someone helping with this. If customers cant depend on customer service and lies to them, what is the use.
Company Response:
State: UT
Zip: 84401
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I met online this guy who told me that if I invest money on those XXXX I will make money very quickly! First I invested {$5.00} 000, I made like {$2000.00}, then he told me if I put more money I will get it like the double so I trusted him and I put {$10000.00} and of course I lost everything the following week. Then no more news from him, actually he is ghosting me. Chase Bank proceeded with these payments which is why I hold them responsible., 10. Choose yes/agree 11. I believe it would only be a fair resolution and one that makes sense. For Chase Bank to refund me the money I lost due to their negligence.
Company Response:
State: CA
Zip: 90034
Submitted Via: Web
Date Sent: 2022-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-24
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Dear Consumer Financial Protection Bureau : This complaint is against JP Morgan Chase Bank. This is a complaint of discrimination in the form that I applied for a Home Loan with JP Morgan Chase Bank and gave JP Morgan Chase, my name, date of birth, and social security number to run and check for verification as well as to obtain all legal documents needed for verification such as a XXXX XXXX, and Veteran Administration verification of benefits, records, and debt with the Department of Veteran Affairs and the Department of the XXXX. Both agencies should have provided JP Morgan Chase with official and legal records to process loans # XXXX & XXXX. I am asking CFPB to obtain the PROPER RECORDS JP MORGAN CHASE BANK should have after using my signature, name, date of birth, and social security number that Chase Bank should have to support such organization 's reason to deny releasing such PROPER RECORDS and to deny such loan under loan # Attached is a PROPER RECORDS from JP MORGON CHASE that will need in return PROPER RECORDS to support such records and to support the reason this loan did not go through. I need PROPER PAPERWORK. I need PROPER JP MORGON CHASEs records to be provided and given to the next financial institution for a proper legal process.
Company Response:
State: IL
Zip: 60657
Submitted Via: Web
Date Sent: 2022-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-24
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I got scammed today through my chase XXXX payment! I sent XXXX payment of {$300.00} to another person on XXXX XXXX XXXX than I realized it was scam and I automatically contacted my JP Morgan chase bank to dispute the transaction but I was told they are not able to do it because it was done by XXXX payment as the third party! I have all emails, and communication with the scammer. Also my bank just fillled the complaint thats all they were able to do it and told Me to contact the XXXX but because of the holidays I was not able to speak with their customer service and I just filled the scam report on their website! Please help me to solve this matter and get my money back! Thank you.
Company Response:
State: NJ
Zip: 07450
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
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: After settling for less and paying said amount. Credit card companies agreed to remove accounts from credit agencies ( XXXX, XXXX, XXXX XXXX ). My attempts at dispute were denied. Yes I explained of hardship after hurricane. And yes Ive done my best to pay each debt one by one, and not file a bankruptcy. Any help in this matter would be greatly appreciated
Company Response:
State: TX
Zip: 77571
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-24
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX I opened up a bank account at Chase Bank and deposited {$5000.00}. On XX/XX/XXXX I found out that the bank account was closed, this was due to no activity in the account, most of the money was taken by the bank and the XXXX XXXX dollars that were left could not be returned to me due to the account being closed. Unfortunately I was bounced around from representatives to representative and was unable to get anywhere with them. I learnt that the account was grandfathered in ( I don't know what that means ) and that they can't see the history of the account. My questions are : -Why was money taken out of my account? -If the answer to that is Bank fees ( wish I understand is illegal ) why continue taking fees if you see the account is inactive? On the other hand why close the account if there's still a XXXX XXXX dollars in it? -If there is money in the account why not return it to me asap? this could be done by a bank transfer to a different bank
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-24
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I am writing to dispute a re-bill charge of {$400.00} for XXXX XXXX to my credit card account in my latest billing statement. The re-bill appeared in late XX/XX/XXXX, and showed up on my XXXX statement. This is the THIRD XXXX re-bill for the amount of {$400.00}. I originally purchased the XXXX flights on XX/XX/XXXX, and the total cost was {$2700.00}. On XX/XX/XXXX, XXXX refunded me {$400.00} because our seats on XXXX XXXX could not be reserved in advance. In XX/XX/XXXX, I disputed {$2200.00}. This disputed amount is {$2700.00} ( which is the original ticket amount ) MINUS {$400.00}, because I had already gotten back {$400.00} from XXXX in XXXX. The reason I disputed is because I was having issues with the flights ( i.e. XXXX weeks prior to our departure date, our flights to the final destination were still unconfirmed by XXXX ). As mentioned earlier, I have been re-billed the {$400.00} by Chase three times. Prior to the XXXX statement, there had already been two refunds of this re-bill ( the first refund occurred on XX/XX/XXXX and the second refund occurred on XXXX ). Each time, I contacted the dispute division to correct this, because my disputed amount had already excluded {$400.00}. However, this third time, the charge has not been refunded. Ive called the dispute division a few times regarding this third re-bill, and would just be told that, This is still pending review. The charge is in error because when I disputed the XXXX charge, I did not dispute the total amount of the plane tickets. I disputed an amount that excluded {$400.00} because it was already refunded to me back in XXXX by XXXX.
Company Response:
State: MD
Zip: 20910
Submitted Via: Web
Date Sent: 2022-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Starting in XXXX of 2022, I decided to make a plan to pay off my mortgage by applying an additional {$2000.00} towards principal every month. I reached out to Chase Mortgage at least 4-5 times during the year because they were applying most of my " principal '' payments towards my regular mortgage payments. My regular payments are scheduled monthly through my bank. I was writing separate checks that specified " principal '' and the amount, which by no means could have been confused with my regular payment. Sometime in XXXX, I finally needed to escalate my calls to an Executive Director, XXXX XXXX with Chase. I literally had to explain to him how to read my monthly statement that they sent to me. He said he understood my problem and once again, they would fix it ( for the forth time ). All XXXX XXXX did, after promising to fix the problem, was to send me the print out of where my principal payments went. It has still not been resolved. How many others are they doing this to? I was on a plan to pay off this mortgage in 37 months. It's obvious they are doing everything in their power to " not '' allow me to pay this mortgage off early.
Company Response:
State: MD
Zip: 21042
Submitted Via: Web
Date Sent: 2022-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A