Date Received: 2022-11-18
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I applied on Chase 's website for a Chase Freedom Unlimited credit card on XX/XX/2022 and received a confirmation of my application. The next day, on XX/XX/2022, I received a call from a Chase customer service representative who wanted to verify my current address and confirm that I had applied for a Chase card the prior day. After verifying my information with the customer service representative, I subsequently received a letter in the mail from Chase claiming that the company have received my application and that I needed to call Chase at XXXX to confirm my application information. I proceeded to call the indicated number on XX/XX/2022 at XXXX XXXX and on XX/XX/2022 at XXXXXXXX XXXX, which was during the indicated customer service hours. Both times, I received an automated reply after verifying my identity that my application was being processed, no further action was needed from me at the time, and that I would receive a letter in the mail with the decision of my credit card application. After a while of not receiving any contact from Chase, I called the indicated number again on XX/XX/2022 at XXXXXXXX XXXX and reached a customer service representative this time who informed me that my application was closed since I had not called the indicated number within 30 days of applying for the credit card. When I explained to the customer service representative that I had called several times, they informed me that my application was already closed and that I would need to reapply for my desired Chase credit card. The customer service representative mentioned that they were not certain why I needed to call them originally as part of the application process because the system indicated that I did not need to provide any additional information as part of my application. Overall, this is a frustrating, unfair outcome as I had complied with Chase 's requests about completing my credit card application, the company claimed that I did not comply with its policies, and subsequently closed my application regardless. Also, I will now be less likely to be accepted for a credit card if I reapply soon as I have a recent inquiry in my credit bureau record, along with any further impact to my credit score.
Company Response:
State: VA
Zip: 22201
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022, there was a wire transfer of {$99000.00} wired out of my account through a walk-in service request in New York XXXX On XX/XX/XXXX, another wire transfer of {$60000.00} was done in the same fashion. Shortly after the {$60000.00} transaction, another attempt wire transfer request of {$62000.00} was made and at which point, I received a text message alert seeking to verify the transaction. I denied it right away. Alarmed with the situation, I logged on to my bank account and was required to change my password. Once I reset my password, I noticed that {$60000.00} and {$99000.00} wire transfers were made without my knowledge. I then called Chase 's fraud department and reported the incident. They said that they will send me documents to sign to complete the complaint. I then contacted my local banker. Through further investigation and inquiry, I became aware that similar cases have occurred at Chase branch offices. I was advised to contact the Department of Public Safety to see if there is any request for my Driver 's License made. I went to XXXX on XX/XX/XXXX and only there I was advised to report the incident to the local police. The trooper informed me that this happened to Chase Bank and that the Bank is responsible for the case as they didn't verify my ID properly. I went to XXXX XXXX police station on XX/XX/XXXX and the incident was recorded with pending detective investigation. The Chase Bank local banker filed a complaint on my behalf within the Chase system. Afterward, I received a call on XX/XX/XXXX acknowledging my claim. A follow-up call later in the week was made by the same department/person requesting a police report. The report became available on XXXX XXXX and I sent it to the bank immediately after receiving a copy. On XXXX XXXX, the Chase agent called me and informed me that the {$99000.00} claim is denied. The reason for the denial is that they only give the client 30 plus 5 days to file a claim. This is the first time I heard this. There is no document disclosed to me stating this limitation. The detective, the police officers, and the trooper that I spoke to on the case all stated that this happened before to others and the bank is liable to refund the stolen money under their governance. I also searched the internet for similar cases and got the same conclusion. As multiple incidents happened with Chase bank New York Branches, there is a clear mistake on Chase 's side. Their verification process is flawed and allows fraud to occur. They have allowed criminals to wire transfer large amount of money without further verification using either fake ID or ID obtained via illegal method from local branches in New York while the ID shows Texas address A bank 's clientele should not be responsible for damages caused by the Bank 's inadequate security and failure to communicate, regardless of the timing of the claim.
Company Response:
State: TX
Zip: 77479
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for the SouthWest Airlines Visa Platinum Credit Card on XX/XX/2022. I received a denial of credit letter from Chase stating why I was denied. As stated in the letter dated XX/XX/2022, their decision was based on information they received from a credit bureau using a credit score. It is my comprehension of Regulation Z and Title 15 USC Sub-chapter 41 I thru VI, more specifically, Title 15 USC 1691a that any application that is denied for any reason is discrimination. I filled out the application in good faith as an applicant and an extender of credit. I also comprehend this extension of credit in the form of a card would be used primarily for consumer credit transactions for personal, family, and household purposes. It is also expressed in 15 U.S. Code 1691a ( c ) the term " Bureau '' is in reference to the CFPB. If that is the case, which credit bureau is the letter referencing? Accordingly, 12 CFR 1026.2 ( 15 ) ( i ) states any card is a credit card. During the process of filling out the application, I provided my Social Security number from my Social Security Card. If I provided this number, why was I denied? When I provide other card numbers, debt gets paid. Using this logic, I must have prepaid for this credit card when I provided my Social Security number. So, why was I denied? I believe this information to be true and factual because Congress says so.
Company Response:
State: WV
Zip: 252XX
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: JPMCB. CHASE CREDIT CARD STILL SHOWING OPEN - NEED ATTENTION I DISPUTED ACCOUNT CLOSED - INCLUDEF IN BANKRUPTCY IN XXXXXXXX XXXX SEVERAL TIMES NOW STILL THERE
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: My husband and I purchased a house by taking over the mortgage on property. This was done through a local bank. Years later, we pay property off, received closing paperwork and property title. We checked with our local county office and the property was recorded with previous owners. How to we get this corrected?
Company Response:
State: OK
Zip: 744XX
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Other transaction problem
Subissue:
Consumer Complaint: First, my name is XXXX XXXX XXXX, Attorney at Law, XXXX XXXX XXXX. I present this complaint on behalf of my client : XXXX XXXX XXXX XXXX, Trustee of the XXXX XXXX XXXX XXXX XXXX. My client is currently XXXX XXXX XXXX. XXXX. On XX/XX/XXXX, my client closed on the sale of income property in XXXX, AZ. XXXX. On XX/XX/XXXX, my client closed on the sale of 2 additional income properties in XXXX, AZ. XXXX. My client received proceeds from these 3 transactions in the amount of {>= $1,000,000} dollars. XXXX. These proceeds were provided by XXXX XXXX XXXX in 2 checks. XXXX. The XX/XX/XXXX closing check for {$140000.00} was deposited on XX/XX/XXXX at Chase Bank and the XX/XX/XXXX closing check for {$230000.00} was deposited on XX/XX/XXXX at Chase Bank. XXXX. On XX/XX/XXXX, one day after deposit of transaction No. 1, above, two unknown and non-client authorized wires were received in the amounts of : {$0.00} and {$0.00} from an unknown requestor. XXXX. On the same date ( XX/XX/XXXX ) her account was debited via wire for {$0.00} and {$0.00} cents but NOT authorized by my client. The Chase Bank Statement indicated that a firm named : XXXX XXXX XXXX MI XXXX XXXX Web ID : XXXX were the wire in and wire out entity. XXXX. My client did not authorized this wire test. XXXX. My client has NEVER initiated or received a wire on any bank account in your life. XXXX. Finally, on XX/XX/XXXX Chase Bank wire transferred {$330000.00} from my clients account noting her account as : XX/XX/XXXX Manual Db-Bkrg XXXX leaving a balance of {$.00} cents. XXXX. On the date of this unauthorized wire transfer, a representative of J.P. Morgan, Chase Private Client, a XXXX XXXX XXXX XXXX, XXXX, Vice President-Investments, Private Client Advisor, telephoned my client in the afternoon prior to closing to advise her that " all of her money was gone. '' XXXX XXXX was not able to articulate why or where my clients disappeared so my client immediately drove to the ( XXXX XXXX XXXX. XXXX ) branch office and confronted XXXX XXXX over the loss of all of her funds. XXXX XXXX offer no explanation other to refer my client to the fraud department that was already closed for the day. XXXX. Since this incident, my client has felt such shame and dismay for this unexplainable loss of her retirement money that her shame has resulted in introverted depression and denial. It is not until a friend of my client inquired about the sale of her properties was she able to confront the reality of the loss of $ XXXX of retirement funds. XXXX. There are unanswered questions that only the FBI has the tools to answer before we formally engage Chase Bank. XXXX. I would like to provide the full paper trail of this crime in order for the tools of the FBI cyber unit to forensically review these transactions. XXXX. My client is an elderly female, completely distraught over this matter and is seeking answers initially and recoupment eventually of these funds. XXXX. Please contact me : XXXX XXXX XXXX, Attorney at Law, XXXX XXXX XXXX, XXXX, CA XXXX ; XXXX : XXXX ; Email : XXXX for coordination. Thank You.
Company Response:
State: CA
Zip: 92056
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Me and my XXXX XXXX XXXX son were customers with Chase bank and recently they told us they were closing our accounts without our knowledge. We both currently have money still in there and they wont release the funds. XXXX called them numerous times, Ive filed with the XXXX and other agencies and no response. Now my utilities are at risk to get shut off due to them not even letting us withdrawal the funds and be done with them. My son has over {$500.00} in his account and I have {$1300.00} in mine. They told my son on XX/XX/XXXX they would mail out a cashiers check but have failed to do so. Im at a loss on what to do I need help ASAP.
Company Response:
State: OH
Zip: 436XX
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
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 currently am paying a loan on a XXXX XXXX XXXX XXXX initially financed through Chase Auto, started in like XXXX. I refinanced the vehicle with XXXX XXXX XXXX XXXX in XXXX. On my consumer credit report I am being rejected for financing for my business and personal self due to inaccurate information reported. While I have disputed it multiple times it has been to no avail. The timeframe being reported by Chase Auto as late payments are inaccurate as they received a check in hand in person at a Chase Bank location as instructed paying the vehicle in full and were to release the title and or lien to XXXX XXXX XXXX XXXX. While I initially got a low rate for my vehicle with XXXX for monthly payments that rate quickly skyrocketed because XXXX did not have the tile ot lien to vehicle which Chase Auto keeps alleging they sent directly to XXXX XXXX. Ive tried numerous times with failed attempts to resolve this and have continued to faithfully pay off my loan however why am I paying on a vehicle in which both companies are saying they do not hold title nor lien for? My finance charges increased because of it. I'd like this matter fixed and some type of resolution for this issue. My consumer credit report has taken hard hits due to the negative reporting and it even caused me to lose out on thousands because initially XXXX approved me with a pre approval check for a work vehicle that they quickly rescinded while I was in the dealership signing contracts for it. My consumer rights I am sure are being violated in more ways than one by one or both of these banking institutions and I have decided to take this matter up a level in hopes to resolve it. I hope to hear back soon. My vehicle was over XXXX when loan started with Chase it was at about XXXX plus when refinanced with XXXX it is now paid down to about XXXX and yet no title or lien it also caused me to have to pay way more money when going to dealership to get vehicle sticker as both companies deny having title to vehicle. While XXXX is receiving payments as lien holder I have no documentation in support and am being charged more over a missing title which was to be exchanged between the XXXX banks. I have neither missed any payments nor been late on any payments and to have such negative activity reported has caused my family and I great loss as a consumer. Of course the check proof would be perfect evidence of the time chase recieved it from me as payment from XXXX and an actual title on hand would be all the evidence all parties need for resolve but none can be provided. I also reached out to chase several more times on recorded line where they had other issues on my credit with errors that they had since corrected and then this one pops up years later and they refuse to properly investigate it or provide supporting proof.
Company Response:
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: The bank approved the mortgage and commited to buy an illegal property by ignoring the clauses of the sales contract and putting me at risk with my family. Which is a fraud mortgage. I lost a lot of energy and money and did not get a compensation and refund. In XXXX buying an illegal kitchen and bathroom is illegal and XXXX of garage to living space is a crime without permit. But bank has approved mortgage and commited to finance this which might put me to a big trouble by their fraud. After realizing that, bank withdraw the commitment without giving any notice and ignoring to respond to all queries to make the correction on the commitment. Chase advertises closing guarantee in less than XXXX weekends if not they pay {$5000.00} as a penalty. They ignored all the facts even after I emailed and provided the documents that the mortgage is approved by Chase is totally illegal and it maybe a crime!
Company Response:
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: On or about XX/XX/20 I made a payment via Chase XXXX with XXXX via banking application in the amount of {$820.00} to XXXX XXXX to purchase a puppy called XXXX. On or about XX/XX/20 I made another payment via Chase XXXX with XXXX in the amount of {$1500.00} to XXXX XXXX this time for refundable ventilated crate to have puppy safely delivered from California to New Jersey. On or about XX/XX/20 I made a final payment via Chase XXXX with XXXX in the amount of {$1200.00} to XXXX XXXX for a missing city permit and license for the puppy. After the final payment I did not receive any delivery details or confirmation that puppy was on the way. I realized something was wrong. On or about XX/XX/20 and XX/XX/20 I called my Chase bank to notify them about possible scam and to stop the final payment. Bank representative advised me they couldnt stop the transfer and that they would only notify the receiving bank. On or about XX/XX/20 I reported this incident to local police in XXXX, NJ. The officer on duty advised me that it appeared to be a scam and that he would start an investigation. He also advised me to pursue dispute with Chase Bank which I did but it did not yield any results. I also contacted and notified XXXX company about the fraudulent transactions, but they refused to provide any information and to collaborate unless there was an official legal subpoena. Detective assigned to the case sent several subpoenas to XXXX and XXXX XXXX but they could not find records or track down where my money went. I did not receive the puppy and lost {$3500.00} from my Chase checking account. None of the companies offered help in resolving this matter.
Company Response:
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A