Date Received: 2022-11-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022, I deposited a check with Chase Bank in the amount {$2200.00}. I received this check from my mortgage servicer, XXXX XXXX XXXX XXXX XXXX ( XXXX ) as an escrow overage refund. I have received escrow refunds from this servicer for 2 years prior. I deposited this check via mobile deposit. It was received, reviewed, and then approved. I then attempted to move the money from the Chase account to an account with another financial institution ( XXXX XXXX ) where I normally store my Mortgage Payment savings. On the day this transfer was supposed to be completed, I received a message informing me that the transfer had to be cancelled because of an unspecified problem with the originating account ( Chase ). I then attempted the reverse and tried to do an external withdrawal from the Chase account to the XXXX account, only for that transfer to be cancelled as well. On XX/XX/XXXX, I called XXXX XXXX and was informed that my Chase account was frozen. I then immediately went to my local Chase branch on the evening of XX/XX/XXXX and asked why my account was frozen. They did some research and called their headquarters support line. They informed me that the check I attempted to deposit was inconsistent - specifically the issuer of the check and the number of the bank account did not match. I was questioned about how I obtained this check, why did I receive it, among others. The branch informed me that the likely action would be the check would be returned. I called my mortgage servicer, XXXX that night and relayed the issues I was having. They informed me that the check was a good check and if I still had it I could attempt to deposit it at another institution. On XXXX XXXX, I noticed that XXXX charges appeared on my account, both dated XXXX XXXX : The first was for {$2200.00} and the second was for {$40.00}. These XXXX charges brought my account to {$0.00}. Both were labeled as Debit DDA - Check Charge with no further information. I Chase 's main service line and was redirected to customer concerns. I explained what happened and was informed my account was in the process of being closed and the latter charge would be paid out in a settlement account via a cashier 's check in about 14 business days. Chase was unable to tell me why my account was being closed. They failed to inform me that my account was in a restricted state. They did not indicate that there were any concerns with the check I attempted to deposit ( and in fact told me my deposit was approved and the funds were available ). I do not have the funds available from my escrow refund, and now I will need to wait 14 days for the money that was existing in my account to be returned to me.
Company Response:
State: MD
Zip: 21224
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I have sent documents showing that this account have reported several months different from what they have been trying to collect as well as they haven't sent me all the documents to validate this debt and it has been over three months while they send me bits and pieces of documents. It should have been deleted after the first 30 days of them not sending any validation documents.
Company Response:
State: GA
Zip: 30241
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Saturday, XX/XX/2022 at XXXX XXXX I made a cash deposit to a Chase Bank ATM located at XXXX XXXX XXXX, XXXX XXXX NY. I inserted into the ATM machine XXXX bills of {$100.00} each, for a total of {$1000.00}. During the transaction, the ATM machine displayed a pop-up message saying that there was a problem with the transaction and to call the bank to verify the deposit. The machine also gave me a paper receipt which only indicates a sequence number and refers to call customer service. Being the ATM machine right outside a Chase Bank Office, I immediately walked into the bank to report the issue and ask for help. A Chase representative explained to me that I must call the phone number indicated on the receipt, so I did it from inside the bank. The customer service opened a claim number and provided a {$1000.00} temporary deposit to my checking account while they were conducting the investigation. On Saturday, XX/XX/2022 I received an unclear communication from Chase stating that as a result of the investigation they are removing {$610.00} from my account because they found that I should have received a portion of the remaining amount. I promptly called Chase asking for further explanation. The customer representative claimed that it was no evidence that I deposited {$1000.00} and based on their internal calculation they believe I only deposited {$380.00}. The representative also added that based on my banking history I usually don't deposit large amounts of cash and therefore that transaction seems anomalous for them. No other information was provided to me and Chase stated that the investigation is closed and I will be only accrediting {$380.00} to my account.
Company Response:
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, I was attempting to put XXXX dollars in cash into my Chase checking account, and being that I had already walked 5 miles in a new city, I settled to deposit my money using the nearest atm that would accept my card I was well aware they would charge me a fee for depositing the same way if I were to withdrawal the bank I went to was XXXX bank to deposit the funds. After I deposited the cash I was told my the atm screen my deposit was complete. But it did not give me a atm slip as I requested when I put my card in. I checked my account immediately before leaving the atm and the funds weren't there. I put my card back into the atm and I would not accept my card after that it. It kept saying card not accepted. And then it gave me a atm slip saying the same thing. I went inside XXXX bank to discuss what happened with them to see if they could explain the process of what just happened, I was told that all I would have to do is wait 24 hrs and the extra money would be sent to chase after its counted.After that interaction I was able to get a ride thankfully to a chase bank. I was given the customer service number to call because they claim they didn't see any transactions done. I called the line the same day they opened an investigation I gave them all information they requested in that moment I was given a XXXX dollar credit temporarily. Less than 2 weeks later I received a letter the same day the money was taken back from my account. According to chase its my fault I put my money in another atm even though their policy says you'll just be charged a fee. I have a atm fee on my account for using the atm but no money has been deposited yet. Chase has blamed me and told me this is the first time this has ever happened and continues to be rude and disrespectful even though I told them I walked 5 miles and had no GPS and im new to the city. I kept being told I should have just went to chase instead of them trying to help me I was lied to by a representative saying they would re-open the case and returned the XXXX dollars which they have recorded but they never did and the supervisor I spoke to kept lying and never addressing that fact.
Company Response:
State: WI
Zip: 53204
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-19
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I was call by a person who told me there were a Chase representative from the fraud department. The number on my caller said Chase Bank so I didnt question the call. The person I was speaking with was professional and thorough and so I proceeded as usual. I was informed to check my account to verify that an unauthorized transaction had occurred in XXXX in WV in the amount of {$180.00}. Upon checking my account I saw that this information was true and so the conversation continued. As the rep went on about what action we would take next they also informed me that this same individual attempted to wire themselves money in The amount of {$6000.00}. In order to reverse this transaction and prevent it from happening I was told I would need to do a wire reversal. At this point in the conversation I was confident that who I was speaking with was here to help and actually a Chase rep. I did as I was instructed to retrieve what I was told had been compromised. Only to find out that it was a scam. This person walked me through the steps of sending a wire via my Chase mobile app in the amount of $ XXXX to XXXX XXXX. This was who I was told had attempted to send a wire and that I would need to reverse the wire sent by following the steps. After the wire was sent to another Chase account the fraudulent Chase rep even told me to hold as they needed to run a virus scan to make sure that all my devices had been properly logged out of and secure. I was left on hold for 20 min before the call dropped. When I called the number back it routed me to an actual Chase Bank number. I followed the prompts to reach customer service to complete the process. As I informed Customer service that I was trying to reach the fraud department that I was just talking to we learned that the call I had received was not an actual Chase rep. After speaking with the Real Fraud department I was told that this was a case for the Chase Wire Research Team and I would need to send them a message to recall the wire via the secure message center. The wire research team was no help at all. They strung me along weeks at a time saying they were waiting to hear back from the receiving bank. But this wire went from one Chase account to another. They then told me they we waiting for a response from the credited party for them to authorize the funds to be returned. Despite the messages I sent the wire research team letting them know that the person they are trying to hear back from is a scammer. After 4weeks of going back and forth with Chases wire research department and the claims department the case was closed and I seem to have now lost $ XXXX to a scammer. This is my final attempt and only hope in getting some type of restitution or refund.
Company Response:
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My problem has to do with customer treatment at Chase Bank branches. I have good reason to suspect that I am often profiled and treated with more suspicion than other Chase Bank customers by Chase employees and Chase security guards, especially by the security guards. When I am in any part of a Chase branch conducting business, the security guards pay more attention to me, even when many other patrons are present, sometimes even coming out from a room when I enter the branch. This has been ongoing for many years or decades but became worse in XXXX or XXXX.
Company Response:
State: NY
Zip: 11229
Submitted Via: Web
Date Sent: 2022-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Between XXXX XXXX XXXX XXXX, Hurricane Ian impacted Florida. I called my credit company " Chase '' for Hurricane Relief. I asked for my minimum balance for the month of XXXX to be pushed until XXXX. They were able to removed my payment however, I was charged for the month of XXXX. I ended up paying them with money I dd not have. We then have a major tropical storm/Hurricane in XXXX. I called Chase once again for Hurricane Relief for the month of XXXX. I informed them that I did not received the relief I had asked for in XXXX as I paid for it. A supervisor went ahead and " Refunded '' me back the amount to my checking account and placed me on the relief program in the month of XXXX. Shortly after, I started receiving credit report alerts that I am " 39 days '' past due on my credit card with chase. As of today, my credit score has decreased badly because of this issue chase has caused and I need this issue to be fixed immediately.
Company Response:
State: FL
Zip: 32792
Submitted Via: Web
Date Sent: 2022-11-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-20
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: In XX/XX/2022 I had a personal check that I had made out for {$10.00} to help a charity. Mailed with other letters stolen for the mail box at the XXXX XXXX Chase Bank Branch. The check was subsequently stolen and altered from {$10.00} to {$900.00}. XXXX and written over to another payee.then cashed it at XXXX XXXX XXXXXXXX.thru the ATM. I have filed a claim with my bank to have this investigated and have my money returned. I was told that the bank has 90 days to resolve the situation. Iwas not happy to hear it would take so long but now its been almost 6 months and I still havent been credited my {$900.00} to my account. when Ive called to inquire Ive been spoken to rudly even XXXX XXXX on and I have been with chase Bank for 7 years. I need my money back asap.
Company Response:
State: CA
Zip: 92570
Submitted Via: Web
Date Sent: 2022-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-19
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: CHASE BANK. My wife and I placed money down on XXXX in XXXX for XXXX vacation. When it was decided that we could not go, XXXX promptly refunded our money on XX/XX/XXXX as set forth in the terms. The problem was that I had unfortunately, on XX/XX/XXXX, closed the credit card account used to make the deposit. The monies, {$690.00}, however, were sent to that closed account. The bank is Chase Bank. I have the account number, payment code, and trace number if needed. I have since called Chase Bank on several occasions and written XXXX letters to their Card Member Services address. I am stonewalled at every turn as their help line, XXXX, is a maze of reconnections leading nowhere and each time I write, I receive a letter that says, " We are not able to fulfill your request ''. The reason we cancelled the vacation is that my wife and I need those funds for medical expenses.
Company Response:
State: GA
Zip: 30720
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: I wish to practice my right as a customer of Chase Bank to use your organisation 's service, seeking a formal, impartial investigation to amicably settle my dispute with Chase Bank. Commencing on or around XX/XX/2021, I fell victim to a multi-layered scam operation run by a sophisticated con-artist named XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Chase Bank account to fraudulent persona ( XXXX ).
Company Response:
State: IL
Zip: 60018
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A