Date Received: 2022-11-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was the victim of ( 4 ) unauthorized XXXX payments made from my Chase Bank account to unknown user. My account was hacked and payments were sent without my approval. The amounts that were sent via XXXX payments. Date : XX/XX/2022 XXXX amounts : 1. {$250.00} 2. {$250.00} 3. {$880.00} 4. {$490.00} There were no actions taken by my bank ( Chase Bank ) to assist with fraud claim. They simply dismissed the claim and said I was responsible regardless of claim that account had been hacked and payments were not authorized.
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: THE COMPANY CLOSED MY ACCOUNTS FOR SUSPICION OF FRAUD ON THE XXXX OF XX/XX/XXXX WITH {$65000.00} IN THE ACCOUNT AND DID NOT ALLOW ME ACCESS FOR XXXX MONTHS UNTIL I COMPLAINED THROUGH CFPB ON THE XXXX OF XX/XX/XXXX OF DISCRIMINATION AND UNFAIR TREATMENT. THEY HAVE NOW RESOLVED TO APPROVE THE FUNDS AND SENT ME A CHECK FOR THE TOTAL AMOUNT OF {$65000.00}, BUT SAID NOTHING OF MY ACCOUNT THEY CLOSED AND NOTHING ABOUT INTERESTS FOR UNFAIRLY HOLDING ON TO {$65000.00} FOR XXXX MONTHS. I HAD TO BORROW THE MONEY TO COMPLETE THE TRANSACTION AS STATED IN MY EARLIER COMPLAINT.
Company Response:
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I called in XXXX and opened an account but my offer of {$220.00} for new checking was not added so the phone agent said they could do {$200.00} instead because {$220.00} was not available anymore even though i let them know i had a mailer XXXX a code. fast forward to XXXX i tried to call and give them the mailer code for the additional {$25.00} and they refused to honor the mailer saying its not available again. I reminded them i previously called when i opened the account and still they would not honor the mailer i had originally referred to even though i had mailer in my hand with code which states {$220.00} for new checking and expires XX/XX/22
Company Response:
State: VA
Zip: 23832
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The 3 credit bureau do not have my permission to report anything and I have the right to privacy
Company Response:
State: OH
Zip: 44137
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I was notified that I needed to submit documents to verify my identity to basically unlock my account. I went to the local chase branch supplied my ID my debit card and all the incorporation documents that I was provided from the third-party service that did the filing for my business. After submitting the documents I was told that the bank review team would either approve the account and keep it open or close it and mail me a check. Neither of these things happened. Instead I waited two weeks for a check to come once I noticed that the bank account was closed. As I was told I should expect a check in the mail. After waiting two weeks and no check was received I contacted chase business customer service by phone and was told that they were holding my funds due to an issue with verifying my address. This was never proactively told to me I had to call in for this information they held my funds for over a month now with no resolution other than to Open accounts or register the business with the current state I am in which would require additional funds out of pocket. My other bank accounts have gone in the negative and Chase is charging me nonsufficient fees regarding these accounts in my automatic payments which are at their own fault for not releasing my phones. They prevent me from operating my business efficiently and able to invest further to generate additional revenue
Company Response:
State: FL
Zip: 32068
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Chase Bank abruptly closed XXXX new checking accounts that I opened in XXXX. They blocked XXXX incoming deposits and then partially funded checks I wrote on the account and blocked others from going through. They blocked my on-line access and gave me no reason for the block. They blocked access to a credit card also issued by Chase and I have been unable to make payments. A payroll check was deposited, and I can not receive the funds from that payroll check. I do not see any justification for these actions. No transfer or other transaction was fraudulent and the lack of communication from the company is frustrating. This situation has existed for over XXXX months and XXXX credit card payments have been missed.
Company Response:
State: FL
Zip: 33176
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I was late on paying my statement balance for XXXX XXXX by 3 days. Payment of {$1800.00} was due on XX/XX/XXXX but I made payment on XX/XX/XXXX. I also made full statement balance payment of XXXX for XXXX Statement before XX/XX/XXXX due date. Today I got charged {$25.00} as interest charge even though I am paying full statement balance every month, when I reached out to Chase credit card customer service I was told that this charge is residual interest for the the time I was late on my payment ( explained above ). I verified with the chat person that this charge is not for the three days I was late by but the " balance '' gets carried forward to next month and that even though I made full statement balance I was charged interest on it. I believe this practice is not right. I should be charged " residual interest '' for the 3 days I was late by but not the entire month. Please take a look at this. I can provide statements if needed.
Company Response:
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: In XXXX XXXX of XXXX I accepted an offer from my Chase Amazon card to pay 0 % interest on balance transfers until XX/XX/XXXX. After this, the company removed my grace period for new charges and began charging me interest from the date of purchase even if I pay the balance in full every month.
Company Response:
State: FL
Zip: 33713
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I lead a nonprofit group and we mailed a check to a specific volunteer ( through XXXX XXXX ). Someone intercepted that check somewhere between it being printed and before it was delivered to the intended recipient, and it was deposited in a different person 's bank account with no signature. Chase should never have accepted that check deposit and our account should not have been charged, as it was clearly stolen and fraudulently deposited. I have the check back photographs clearly showing other checks we have sent to this volunteer that were correctly deposited and this fraudulent deposit looking completely different. Chase seems to think that somehow fraud regulations don't apply to XXXX XXXX, which is patently untrue. I have spoken with them multiple times and they refuse to do anything, so I am hoping you can help hold them accountable to their own policies and federal regulations. Thank you.
Company Response:
State: DC
Zip: 20008
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: We have a Chase Sapphire Reserve XXXX. We always pay in full every month. We pay {$550.00} per year for this card. We are currently in XXXX for 90 days on a XXXX XXXX. We have no cell service and limited XXXX. We tried to purchase a tour on our card and it was denied. So we paid cash. We had used the card to purchase the cruise months ago and also XXXX tours through XXXX XXXX. Chase does not require you to file a travel plan. When we got XXXX they sent us an email asking if we had attempted to use our card for the tour or was it fraudulent. We replied it was us. They went ahead and cancelled our card even though there was no fraud. Here we are now stuck in XXXX with no cc or way to get new cards. They mailed new cards to our US address!!! We called twice and got no where. We have consistently emailed Chase requesting they reinstate our card at least till we return home in XXXX. We have begged and pleaded. We feel there us no customer service or u understanding of our particular situation. They have lost nothing. We have lost everything. No one is willing to help us. They cant ship new cards to a XXXX XXXX XXXX XXXX!! Many ports we are only at one day. We have asked to XXXX to upper management but to no avail. The new cards will sit in a mailbox. We have no new numbers, expiration date or PIN numbers. What about our automatic payments!!!! Its really absurd. We feel like XXXX XXXX citizens and totally disrespected. We need help from someone who gets this situation. XXXXXXXX XXXX XXXX XXXXXXXX.
Company Response:
State: AZ
Zip: 85396
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A