Date Received: 2022-11-16
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: JP Morgan Chase Bank closed my business account without informing my company when reached out to them reference to this issue was very hostile and will not give a reason for closing the account, and holds my $ XXXX plus, claiming I will receive it in XXXX business days, which causes me late payments on all my bills, example mortgages, car loans, salary for employee 's this becomes very frustrating for my business hope this organization will be dealt with accordingly, I have done absolutely nothing wrong.
Company Response:
State: PA
Zip: 183XX
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I did a mobile deposit payroll check from my employer. XXXX XXXX XXXX in Ohio. I received notification from chase that it was being processed and would be available XX/XX/XXXX. I called XX/XX/XXXX to make sure that was accurate, XX/XX/XXXX being a holiday and the gentleman said yes at the latest the XXXX. XX/XX/XXXX I check my account and it says the check availability changed to XXXX called chases deposit XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX stated she would need to call my employers bank ( XXXX ) to XXXX she could lift the hold. She returned to the phone and said the XXXX rep stated the check was not good and was returned for insufficient funds. That same morning I contacted my employer who sent me documentation the check had been processed and cleared. I spoke with a XXXX rep that stated the check had cleared and no one would've told them the check was bad or returned. I called back to Chase 's deposit review dept and was told by the first rep there was a hard hold by the system and no one could override it, no fault of my own it was the system. I asked to speak with a manager, she stated he was going to tell me the same thing because no one in chase could override this hold. He stated my employer was known for bad checks and the check looked suspicious so the security team needed time verify its validity and wait until the check cleared. Once I made him aware I work a city government position and they have provided me documentation it cleared so there was no valid reason to hold my funds, he stated well we need to make sure they don't reverse it. It was a payroll check not a personal check. I asked to be transferred to the corporate office because everyone had a different reasons and I felt like I was being profiled. I put in a claim with the corporate office who said they would investigate. XX/XX/XXXX I received a message from Chase XXXX stating there was a hold and to reach out to their XXXX XXXX team to see if it could get lifted. This time I was told the check was being reviewed by the security team for validation. How is a check that has been proven to be good, processed, cleared and paid still be getting checked for validation. At this point they are withholding my funds for no valid reason and to keep insinuating the check may be fake after its been verified I am a public employee. This is profiling and discriminatory.
Company Response:
State: OH
Zip: 43213
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: Card opened as result of identity theft or fraud
Consumer Complaint: To whom it concerns Chase card services has two accounts under my Social Security number and my name that are identity theft and were not opened by me. First account ending in XXXX & 2nd ending in XXXX. To assist with the research my information is as follows XXXX XXXX XXXX XXXX These accounts are reporting as close to my credit reports such as XXXX XXXX and XXXX and based on My credit report they were both opened in XX/XX/XXXX. Again these are identity theft accounts fraudulently open under my name I never open these accounts and will not be held liable. Let me say that I have been attempting to get this matter resolved since I noticed them in late XXXX on my credit reports. I have reached out to the company I have sent credit bureaus information regarding this Ive attached a few communications with Chase and their responses for you to see. For whatever reason when I follow up on the investigation theyve either verify the account without providing any evidence or just not follow up at all. You will see in the responses specifically in XX/XX/XXXX I requested them to verify any information and they just responded with we have reviewed and confirmed its valid. This specific example is Unacceptable as they are ignoring the laws as they must abide by two without providing any evidence on how they verified it. The next step will be a small claims court lawsuit against Chase for the specific reason as they are failing to provide any evidence whatsoever through mailed responses. After calling into the fraud department and getting circled around with different representatives not knowing what to do or having any resources available to help with this matter a few times they explained to me that there was payments made from a XXXX XXXX bank account and thats why they are verifying it. Again this information was provided over the phone it was not provided through the mail response but based on that information I did get a letter from XXXX XXXX stating that Ive never had a bank account so the payments could not have been made for me further proving that these accounts are identity theft and fraud. So please see the responses from Chase and understand that They have failed to provide evidence to verify these accounts which is unacceptable under the law. Just based on talking to Chase over the phone I have disproved that these accounts could be mine through a bank account see attached letter from XXXX XXXX. Needs to be resolved now and the lingering back-and-forth communication with Chase is unacceptable without any resolution. These accounts are fraud they are identity theft were opened without my authorization and need to be deleted from my name and credit reports.
Company Response:
State: FL
Zip: 33570
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: At around XXXX on XX/XX/2022, I used a Chase ATM to pull {$40.00} from my checking account and then left the ATM. The next day I checked my account and saw that someone had made ( 4 ) more withdrawls from my account that night without my authorization. The withdrawls were for the amounts of {$400.00}, {$200.00}, {$300.00}, and {$20.00}. The total of {$920.00} removed from my checking account without my authorization. I called Chase to report the theft on the morning of XXXX, XXXX, XXXX and describing what the theft to the best of my knowledge. Chase creditted my account the {$920.00} while they reviewed the case and sent me a digital letter confirming this on XX/XX/2022. The person I spoke with on the phone, assured me that their team would reach out to me if they had any questions or needed additional information on the case. On XX/XX/2022, I received another digital letter from Chase stating that they believed the transactions had been authorized and they would be removing the credit from my account. The letter included a phone number that could be called for more information. I called this number a couple days later and was infromed that there was no more information that they could provide me, that my claim showed in their system as regected, and that there was no one they could tranfser me to that could give me more information on the claim. They stated that if I wanted more information I needed to fax or mail a letter to their back office. This information was contrary to the information I received on the provided XX/XX/2022 letter and completely unacceptable.
Company Response:
State: CA
Zip: 94110
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: 2022-11-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: I received an email on XX/XX/22 from what appeared to be a XXXX e-bill about a charge in the amount of {$390.00} that I did not authorize. I called the customer service number on the e-bill. Spoke with a man that explained to me that my account had been hacked and that for him to be able to see where the email was sent from needed to send me a link to an app called XXXX. Reassured me that he could get the IP address by me sending a {$500.00} XXXX transfer to XXXX PAYMENT TO XXXX XXXX XXXX Told me once it went through he would send the {$500.00} back to me. This transaction stayed in a pending status for a very long time. He kept me on the phone and then had me call Chase to have it pushed through. I called my son after hanging up with the gentleman. My son explained to me that it was all a scam! I have called Chase twice explaining to them what had happened. The transaction shows that it is in a pending status, not yet been deducted from my account. I was told the money has already been sent and can not be reversed. I feel so embarrassed and ashamed that this has happened to me. There needs to be some way a consumer can protect themselves against such evil, lying predators! I read that there is an Electronic Funds Transfer Act. I even asked for his credentials, name- XXXX XXXX Employee id - XXXX Toll free number XXXX direct extension number - XXXX ticket id number - XXXX XXXX XXXX XXXX
Company Response:
State: OH
Zip: 45503
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I sent a request via certified mail for Chase to send me all electronic and paper corespondence that was sent to me from XXXX XXXX - XXXX, XXXX in order to determine if and when they informed me of a charge off date for account ending in XXXX. They received the letter on XX/XX/XXXX, and as of this writing have still not sent the requested documents to my email or mailing address. Please see attached documents as proof of receipt.
Company Response:
State: FL
Zip: 34787
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have a Chase Visa Slate credit card. Often I have credit balance due to overpayments. Chase Visa usually refunds credit balances by sending a check for the amount. This did not happen earlier this year. In XXXX Chase Visa Informed me that it would send a credit balance refund check for {$51.00}. I am still wailing for the check as of XX/XX/XXXX. I contacted Chase Visa ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. At this date neither have I received a check, nor has the credit balance restored to my Chase Visa account.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: In XX/XX/2022, I received an email from my Chase Preferred XXXX credit card to start a " Chase Plan '' where I can make a purchase over {$100.00} and have XXXX XXXX interest and monthly payments with no fees. The wording in the advertisement 's states " There's no need to make any separate payments for active plans. We'll automatically add the monthly My Chase Plan payment to your minimum payment due each billing cycle. Pay at least your minimum payment when it's due each billing cycle, and you'll pay off your My Chase Plan balance on time. Once you set up a plan, you'll see a payment amount called interest saving balance. When you choose this option, you won't pay off your entire My Chase Plan balance earlier than intended, and you'll still avoid interest on new purchases. '' So, I decided to take advantage of this in XXXX, I made a purchase for {$670.00} on XX/XX/XXXX. In-between that time and my next billing statement on XXXX XXXX, I had made purchase which posted to my balance and showed in my account online and the app and made payments to cover these purchases. Instead of the payments going towards the new purchases which is what was advertised in the above, the allocated my money to the Chase Plan Balance instead ultimately charging me interest on charges that should have been paid off. On top of that, any purchase I have made and returned ( within a day or XXXX ), the refund amount was also allocated towards the chase plan instead of the original charge. When I tried to contact Chase about the issues I was treated very poorly and not given any options on how to resolve and was told that I need to read my cardmember agreement. I read this agreement from front to back on all XXXX pages multiple times and nowhere does it state that my chase plan would be paid before any of the new purchases and in fact states different in their advertisement making it deceptive and misleading.
Company Response:
State: VA
Zip: 22192
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My husband and I had a XXXX XXXX XXXX XXXX and were sent a check from XXXX XXXX XXXX for {$26000.00}. The check was made out to myself, my husband, and XXXX ( our mortgage company ). I signed the check and brought it to Chase Bank in XXXX XXXX, CA. The check was mailed with no instructions, so I assumed I was able to deposit it- which is exactly what the bank teller did. He deposited the check into the checking account my husband and I share. I have never dealt with an insurance check before, and banks deal with them all the time... they knew better. Needless to say, the check was missing two signatures, my husband 's and XXXX 's. Therefore, Chase decided to flag the check as fraudulent. Chase Bank then decided to withhold our entire checking account from us-including our own paychecks!! We found out our checking account was CLOSED when my husband tried to get gas and his card didn't work ... .They literally closed our account without any notification whatsoever!! I went into the branch multiple times, and the bank manager is the one who actually filed a formal complaint with the executive office on our behalf, and yet our account was still closed. Our paychecks were withheld from us for SEVEN days until we got a cashier 's check. Yet, Chase kept OUR insurance $ $ and it is just floating around. Why couldn't they send it back to our insurance company? Why couldn't they just cancel it? It obviously isn't fraudulent. After filing the complaint at the executive level, I spoke with XXXX and XXXX. I was told the funds would be released to us if we sent in a Hold Harmless Letter XXXX. We received the letter, got it notarized and sent it in! XXXX said it didn't work and they would not release the funds. We literally sent them what they asked for, and they went back on their word. Out account has been closed for over two months now. I have called the executive office multiple times in the last 3 weeks, with NO call back. The water damage in our home has resulted in XXXX XXXX XXXX XXXX. OUR MONEY to repair the damages in OUR HOME is just sitting at Chase ... .they refuse to give it to us or send it back to the insurance company. I am baffled, stumped, saddened, stressed, and so furious about this whole situation. None of this would have happened in the first place if Chase did NOT deposit a check without the correct signatures. We NEED this $ $ to repair our home. We have a XXXX old, and XXXX old who have been in a home with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This has been a nightmare!!!! We need this taken care of ASAP. I am very much hoping that this can be resolved, and you can help our family move on from this. XXXX and XXXX XXXX
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for the Chase Freedom Unlimited credit card in XX/XX/2022. Prior to XX/XX/XXXX there was a promotional offer for 5 % cash back on gas station purchases, but starting XX/XX/XXXX the Chase website offered me 5 % cash back on grocery store purchases. This convinced me to apply, however, I saw that in some places on their website the offer still said " gas '' while in others it said " grocery ''. I called their customer support line and they assured me that if I applied, I would indeed earn 5 % back on grocery store purchases for the first year. After getting the card, I noticed I wasn't receiving this bonus. After calling them, explaining the situation, and even letting them listen to the recording of my prior phone call where I was told in no uncertain terms I would earn 5 % back on groceries, they sent me a letter 2 weeks later saying " Please accept our sincere apologies for the misinformation regarding the 5 % cash back offer on grocery store .... We are unable to match 5 % Cash Back on grocery store as this offer is not available for your account. '' This is not the information provided to me when I applied for the card, and if I had known it then, I would not have applied. They directly admit to misleading me with misinformation and practicing bait and switch tactics to get me to sign up for their card, yet refuse to make it right after I have called them twice now.
Company Response:
State: OH
Zip: 43212
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A