Date Received: 2022-11-16
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Upon balancing my account on XXXX, I noticed check # XXXX that I had written for {$500.00} to the XXXX as a wedding present was only paid out in the amount of {$5.00}. I immediately called Chase Bank about the error. They were not able to tell me if the XXXX received {$5.00} or the correct amount of {$500.00} and told me to contact the XXXX XXXXo find out. Upon contacting them, I found that they had only been paid out {$5.00} to their account. I called Chase back and was told that they would transfer the remaining {$490.00} owed to the XXXX and that the XXXX should have that money in their account in XXXX hours. On XXXX, {$490.00} was deducted from my account. On XXXX, I again reached out to the XXXX to see if they had received the {$490.00} and was told that they had not. So I again made a call to Chase bank and was transferred to claims/disputes. After several transfers, I was finally connected to a supervisor named XXXX in Claims. She contacted the Claims Department for Checks and was told that the money had not yet transferred to the XXXX as I had been promised and would not be transferred for another day or XXXX. Having been told XXXX false dates regarding this transfer, I asked if we could stop this transfer from happening so that I could take care of this on my own using a different means of payment to the wedding couple. I was already humiliated that I had had to bother the newly married couple about my gift XXXX times asking them to research this deposit. The supervisor XXXX talked to the Claims ( check ) person again and was told we could stop the transfer to the XXXX. I asked for proof of this transfer stop payment and was given # XXXX. I was told the {$490.00} would be back in my account in XXXX hours. On XXXX, I noticed the {$490.00} was not back in my account as promised and called Chase Claims again ( XXXX. ) I spent XXXX XXXX hours on the phone with Claims being disconnected twice, put on hold indefinitely, and transferred. I spoke with XXXX, Supervisor XXXX who hung up on me, XXXX, XXXX who hung up and XXXX ( a supervisor I was incorrectly transferred to who was in retail. ) On XXXX after being frustrated with the misinformation and disconnections, I called the branch where I opened my checking account in XXXX Ohio and XXXX with XXXX. She started a XXXX way conversation with a supervisor in Claims/Disputes for checks, named XXXX. XXXX said the money was in the XXXX account and that the transfer was not stopped as I had been told. She said she would start an escalation to reverse this and return the money to my account. XXXX said she would talk to her XXXX to start an additional escalation through their branch escalations and get back to me. Not hearing back from XXXX, I called the XXXX XXXX XXXX XXXX on XXXX. She told me to give it XXXX more days and I would for sure here from someone regarding these escalations. On XXXX after still hearing nothing, I called back to the XXXX Ohio XXXX and spoke to XXXX. She told me she was even frustrated with this. She also blamed me for not having Private Banking which she assured me that it would have all been handled better. I also was told it was my fault for even investigating the error and that I should have waited for the recipient of my {$500.00} check to notice they were not paid the proper amount. On XXXX, I again reached out to the XXXX for the third time and learned that the {$490.00} was still not in their account despite being told by multiple Chase employees that it was there. On XX/XX/14, I called Claims/Checks again and was connected to a supervisor in Chase Claims escalation named XXXX told her the {$490.00} deducted from my account was missing and not in the XXXX account as I was told. She told me there was nothing more they would do. I asked for some type of proof that the money had been transferred to the XXXX Bank so that the XXXX could call their bank and look for this misplaced money. She said she would not do that .How and why would the bank not be able to show me proof that this money they took from me was actually transferred as they said. I asked to speak with her supervisor and she hung up on me. When I contacted the XXXX XXXX, she said she would not do anything more to help and I need to talk to Claims. Throughout all of these conversations and escalations, I kept asking for something in writing such as an email to confirm what they had told me, but they said that is not their policy. I was told wrong information by Chase employees on phone calls multiple times which has resulted in me losing {$490.00}. Despite advising me incorrectly over 3 times, they will take no financial responsibility.
Company Response:
State: OH
Zip: 44124
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I received our Chase credit card bill on XX/XX/XXXX and paid the bill by check XX/XX/XXXX ( along with several other bills that were mailed out that same day ). The due date for the Chase bill was XX/XX/XXXX, so I was well within the recommended window. I noticed on XX/XX/XXXX that the Chase check had not gone through, but all other checks/bills mailed XX/XX/XXXX went through. I called Chase and they said they would refund the late fee but not the interest of {$100.00}. They blamed the postal service and said it happens all of the time. I believe that Chase lost/held my check in order to charge interest, as all other checks sent that day made it to their destination on time, including my auto loan that is also paid to Chase. My bank is showing the check to Chase Credit as pending as of today, XX/XX/2022.
Company Response:
State: IL
Zip: 62901
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 information incorrect
Consumer Complaint: Various different information provided from credit bureaus. Please verify. If not, please remove and delete.
Company Response:
State: FL
Zip: 33404
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: I am a bmo account holder and i take XXXX payments from clients at work using email. a few months ago i noticed my email was compromised from XX/XX/XXXX XXXX thru XX/XX/XXXX XXXX on XX/XX/2022 i reached out to a client at from work because i didn't see his payment on my bmoharris account i then realized i have not gotten any payments from him since Hes came to get serviced by me. i opened my email then noticed a chase account had received up to XXXX payments dating back to XX/XX/2022 ..after a long call with chase representatives and transferring me to different departments with chase giving me the run around i finally was able to open a claim its been XXXX months and i try to reach out to them and leaving voicemails they haven't reached out.. approximately about XXXX dollars are owed. I am really frustrated I'm giving up but i also know theres more people going thru what i am going through. I would love to see a change with these banks as far as taking further action with their own clients.
Company Response:
State: IL
Zip: 60402
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 11230
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: 2022-11-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Was just reviewing my credit report due to a notification that indicated a change in my score and have noticed a hard inquiry without my consent to jpmcb as I have not made this attempt and/or applied to them in XX/XX/2022
Company Response:
State: NY
Zip: 123XX
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Other transaction problem
Subissue:
Consumer Complaint: Hello! On XX/XX/2022, I sent a bank transfer of XXXX XXXX XXXX from my XXXX account in XXXX to my account at XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX declined my transfer and sent the money back. But the money never went to XXXX XXXX XXXX. The whole chain is XXXX XXXXJP Morgan XXXX XXXX XXXX XXXX XXXX JP Morgan - .. payment not returned to XXXX... JP Morgan is an intermediarybankin this transaction and has been holding my funds since then XXXX XXXX XXXX declined my transfer and sent the money back. The XXXX number for this wire is XXXX I also made the request to XXXX, which sent a response that my funds were not blocked. I also made the request to JP Morgan, but they answered me, that they are not permitted to assist me personally in this matter. Since i do not have a direct relationship with J.P. Morgan they are not permitted to provide specific details. I also sent repeated inquiries to XXXXXXXX XXXX, but they informed me that JP Morgan was not responding to their inquiries. I dont understand why I have to write requests to banks myself. Why can't they resolve this issue among themselves in half a year. I am more than happy to provide any additional paperwork required to get my well earned money back to my XXXX XXXX XXXXXXXX accounts, though it's been now more than 5 months since the wire was sent, and I do not know what to do. Best regards, XXXX
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: On Thursday XX/XX/XXXX, I was contacted by text checking to see if I had made a {$350.00} charge to a XXXX, I responded No and called to follow up. The person that answered indicated that there was also a {$20000.00} wire transfer posted to our account and asked if it was mine. It was unusual for us to have this large amount in our checking account because we had just received a tax refund the afternoon before. I told this person No and he proceeded to help me cancel it. He fraudulently presented himself as a Chase employee named XXXX with a Chase employee ID of XXXX and said he was calling from the XXXX office XXXX He sent fraudulent texts from the Chase App and I followed his instructions and instead of cancelling the wire, I enabled him to transfer {$10000.00} to his account. During these events, as I began to become suspicious, he called me back on the Chase Customer Service Line using the Chase Line fraudulently. Meanwhile, I called Chase Fraud on another phone and asked if the transaction/ situation was valid. They told me no and to hang up immediately. I did, and also asked the Chase Fraud representative what I could do to stop this wire to the recipient at XXXX XXXX XXXX, XXXX XXXX since they had the account and transaction information in front of the. They told me there was nothing they could do. Not taking that as a final answer, I drove to the the nearest XXXX XXXX XXXX branch and asked them for help- with their customers information- and they too, said there was nothing they could do. Still not content to take no, I drove to the nearest Chase branch and asked them for help. Eventually I was able to close the impacted checking account, open a new one, and file a complaint with Chase Fraud. There was an additional direct deposit to my account claiming to be from the Internal Revenue Service. I confirmed with the IRS that this was not sent by them and I asked Chase to reject it. It seems too coincidental that a direct deposit came in from the IRS within XXXX hours of having the initial one actually sent by the IRS for the correct amount of the refund we expected. I realize that I made critical mistakes but also want to stress that I was misled by someone who knew they were stealing money. I also would think the IRS would want to know more about this person since they were impersonating a federal agency. I am working with Chase to file the report regarding the fraudulent deposit with the IRS. I ( and Chase ) have the name and information of the recipient of the wire transfer : There is an address and phone number on the Internet for this person too. The information of the individual receiving this fraudulent wire iis below : XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX- XXXX. Address per Internet : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Company Response:
State: TX
Zip: 77074
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I was issued a refund check from my XXXX for the money that I was paying them to get my XXXX XXXX The XXXX asked me to see a different dr. ( Long story ), So the company issued me a refund check. I deposited the check into my personal checking account. The money was then taken back out of my account by chase 2 days later. I called chase and asked them what happened, and they said they could not verify the check. So they closed my personal account down as well. I also have 3 other business accounts with chase, so that messed up all of my accounting as well. Anyways, I went into the chase branch and the Manger tried to help me and contacted the manager. The manger was abke to verify the check. However, chase said there was a certain phone number that needs to called to verify it. I called XXXX XXXX and they said they had no problem with anyone cashing their checks and that it is verifiable and they don't know the phone number that chase is calling to verify it. I called chase back and they said the number they are calling ends in XXXX, but that it has to be the owner that they have to speak to. So like the owner of a large corporation is going to give their personal phone number out. So I called XXXX XXXXs back and they said that was their old corporate #. They said that the money was taken out of their bank and cashed and so it is out of their hands. They said that I must already have the money and be lying to them. Chase said that It is their policy to not give the money back and that they can keep the money until the check can be verified. However chase is lying because it can be verified if they call the XXXX XXXX customer service phone number or any other number listed on XXXX for that business. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs because it's been about 6 months and chase Still has my money. This is theft. This is morally wrong. They verifying department at chase sounds like they are from XXXX and they sound like they are the ones that are scammers. Then they told me that XXXX XXXX can ask to recall the check back but XXXX XXXX told me they will not do that because they think I already cashed the check. They don't believe me. So I'm stuck.
Company Response:
State: FL
Zip: 32092
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: We were subject of a fraud enacted by an account holder at the below bank Chase Bank, XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXXXXXX Sort Code XXXX The account holder hacked the e-mail address of one of our vendors and advised us that they had changed their bank account and fraudulently asked us to settle 2 amounts as follows XX/XX/XXXX {$360.00} XX/XX/XXXX {$2100.00} We wrote to Chase bank on XX/XX/XXXX and tried reaching the manager by phone since but they do not return our letter or phone calls. We need to know the fraudulent account details such as name and address so we can file a police report and reclaim or lost funds. We also request refund of this money from Chase Bank for allowing a fraudulent account to be opened by their account holder.
Company Response:
State: FL
Zip: 33441
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A