Date Received: 2022-11-08
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: We previously filed a complaint in XXXX regarding a stolen check that was cashed at XXXX XXXX XXXX XXXX and our bank, Chase, providing no communication to us or XXXX to try to recover the funds. After filing the initial complaint, Chase finally reached out to XXXX on XX/XX/22 with the claim information. This is, of course, factually different from the response that Chase provided to CFPB on the prior complaint. XXXX responded via fax and certified mail. Chase is now after having settled the initial claim with you stating that they finally reached out, are providing no further communication, and maintaining that they have not received any communication from XXXX It has been almost XXXX XXXX since these funds were stolen and neither bank is providing the stolen funds or communication on when this matter will finally be resolved.
Company Response:
State: VA
Zip: 22003
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX Called and spoke with Chase regarding a mortgage of a farm property, that is currently in my late mothers trust in which I am trustee. I called to refinance exhausting mortgage loan and get cash out equity to pay off my sibling of the share shes entitled. On this date I discussed with the lender my options and provided my social security number, and other details to lock in rate. XXXX weeks later I decided to move forward after looking around at rates and comparison shopping. Chase appeared to be the best at the time as I already have a banking relationship with them. Therefore I moved forward with another loan XXXX as the first XXXX no longer was listed as my loan consultant after speaking with him nearly XXXX hours during the initial interaction on XX/XX/XXXX. Therefore, I updated the latest person assigned to my application and told her if my wish to move forward again with mention of refinancing a XXXX XXXX. The information was submitted and approved. Payment was made of {$500.00}. Then at this time I was assigned another contact who would be working with me through the process. I had several interactions with the representative and provided all appropriate information including the mortgage lien that was requested and that I needed to obtain from another lender. This information was obtained and sent. The appraisal was then ordered and completed by a man who also was an appraiser and a farm owner himself and familiar with farms. I at this point was very happy that chase would actually get an appraiser that was familiar. However, the appraisal was then sent back to the lender, and at this point I was still approved. Then I received a call from the original mortgage lender representative that the loan could not be granted as it was in a trust. She was informed that yes the land is in a trust but I would be refinancing it and taking the property out of the trust in which my sister and I are beneficiaries. She understood and appeared glad to hear this and this is as the last I heard from anyone at Chase. Then about XXXX week later now being almost the end of XXXX. I login to the chase mortgage portal and see that my application has been closed, and at this time no one informed me of this. I emailed for the status and the representative said we are so sorry we dont loan mortgages on Farms and the appraisal identified the property as a farm. I was absolutely so very upset. However, while the property came in at over and above XXXX the denial says value type, place value or condition of collateral is insufficient. However, its not insufficient, and this is a lie, as the mortgage broker informed me in an email they dont loan mortgages on farms. Therefore my mortgage application was closed on XX/XX/XXXX and I was not informed by the bank of this at all, until I personally logged in to check the status to see the application was closed. Therefore, I feel mislead, by the mortgage services that Chase Bank is offering, furthermore I fully disclosed all information to them upfront and informing them the property was a Farm, and they dont even loan to farms, therefore I was mislead and caused undue heartache, and anxiety from them leading me down a path that clearly in my mind would never be successful, as they dont loan on farm properties. Chase was furnished with property tax information, property deeds, copies of the trust agreement, among many other documents, and no where did they mention this would be an issue. However after months of going through the process I was denied due to their misrepresentation, and poor service. Now rates are XXXX percent, and now I probably cant even afford to save the farm as I had wished. All due to Chase and them leading me down a path to end with denial, which they could have informed me of way before underwriting, when they knew exactly what type of property in which was being discussed for mortgage lending purposes. Furthermore, Chase closed my application with no fault to me and yet still has not refunded the initial {$500.00} fee that was collected, that was cover costs if I backed out of the mortgage process. However, I did not, but they backed out on me, and yet still have not received any refund, and Its now XXXX. I am still very upset regarding this entire situation, and how this company discriminates against farmers, and lies to them by leading them down a rabbit hole to denial if they apply for a mortgage, and their staff and website have no information regarding this thats at least easily assessable, as to me this is my single family home, but because of the size I guess its not a home? Chase could have been more upfront regarding this and informed me to seek out services of another lender that lended on a farm property, as clearly I did not know there was a difference as my primary home is on the family farm. Furthermore my income and assets furthermore show XXXX more than qualified for the loan. Yet the application was denied all in a quick, hush-hush fashion with little to no explanation and or anyone even reaching out to me. Truly morally wrong. Chase really needs to look at their moral ethics and values as a company as they are lacking in great regard. This truly hurts consumers at the end of the day, and this experience really shows it. I have XXXX trust in Chase after this experience regarding their banking, and lending institution. Furthermore, Im embarrassed of their treatment of XXXX XXXX, and their disregard for any and all family farms, and their lending principals that exclude lending to agricultural farm properties. However, most of all the upsetting part is their unwillingness to be upfront about these practices.
Company Response:
State: OH
Zip: 44514
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: XX/XX/2022, our daughter, who is XXXX, took her XXXX XXXX XXXX to the XXXX XXXX XXXX. She won XXXX XXXX and received the record for winning the most earnings at the fair for market rabbits. ~ We are overjoyed for this huge accomplishment and extremely proud of her. ~ We are thankful for the support from XXXX XXXX and XXXX XXXX for purchasing her market rabbits and for being so kind to her!!! ~ We are thankful for the XXXX XXXX XXXX XXXX for creating such an awesome space of our XXXX kids each and every year. ~ And we are thankful for XXXXXXXX XXXX for partnering with the XXXX XXXX XXXX XXXX year after year. When we received our daughters check XX/XX/2022, which was for {$4000.00}, we deposited her check into her savings account. Unfortunately, Chase Bank put her check on hold and claimed it was fraud. Immediately, my husband ( who has worked at a bank for many years ) called the bank and talked to many different people about why her check was on hold. They questioned my husband why a XXXX XXXX XXXX would receive a check for a large amount and they claimed the check we deposited was fake. My husband spent hours on the phone with the fraud department and explained what XXXX was and why our daughters check was for a large amount. He, then, called our XXXX advisor to let her know whats going on and she called the people who signed our daughters check. The next day he went into the bank in XXXX to talk to the supervisor and a member of the XXXX XXXX XXXX XXXX met him there so that they could prove that the check was legit. The supervisor questioned the board member and made her show proof she was who she said she was which is okay but unfortunately, the proof she showed still wasnt good enough. Sadly, Chase Bank in XXXX treated us like criminals and told my husband that they needed to talk to the person on the account. My husband said no you dontshes XXXX and her account is attached to our accounts bc we are her parents. They said they would review this situation and within 24 hours they would let us know what they would do with her check and savings account. At the end of the conversation, they said we are sorry for your inconvenience! After all of the proof we gave them that her check was legit, they ended up closing her account and we are still waiting to receive the funds from the bank. Even though her check was deposited and within a day the check cleared the XXXX account, they still felt that we deposited a bad check. We are so mad!!! We have never and would never do anything like this. If you work for XXXX XXXX XXXX XXXX XXXX XXXX, or the XXXX XXXX XXXX XXXX, please let Chase Bank in XXXX know how wrong they are. We truly hope they would change their decision and they dont treat anyone else the same. We have been banking with Chase for almost 15 years and have never ever deposited any bad checks. We have been nothing but loyal and faithful customers to them. As our XXXX children have gotten older, we were excited to open up their own student savings accounts. But, after all these years, we cant believe they are treating us so poorly.
Company Response:
State: OH
Zip: 430XX
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: This is my second complaint about them as they continue to move the goalpost every single time I accomplish what they request of me to receive my funds. I believe they were wrongly taken from me anyways as Ive been saying all along, they supposedly closed my account due to improper endorsement of a third-party check. I have researched online prior to signing the checks and again now, and from what I understand my endorsement is correct. Please see photos attached it was for four different checks all for the same amount all signed in the same manner. The only thing that could possibly be construed as incorrect would be the where I have the word mobile in place of the word electronic, but my research shows both words have been acceptable by Chase either way, as long as it says for ____ deposit only at Chase. I can find an instance wear someone used the word mobile, and it was accepted, or I can find an instance where somebody use the word electronic, and it was also accepted. My fianc wrote the checks over to me I signed them she wrote pay to the order of which is what protocol is for third-party checks everywhere I did not go out of this protocol, nor did I write below the line, where it says, do not write stamp or below this line again, please look at the photos as a reference. Chase uses this as an excuse because they pick anything they could possibly find to claim. We broke their terms of service and shut us down. Theyve been doing this to customers for years, freezing their bank accounts, shutting them down and then holding their funds until they complete impossible tasks and then in most cases people are having to wait two years until its surrendered to the state. I actually can not believe this could be legal, or that this is still going on. There are so many complaints about it online, endless complaints from people having the same exact issue & they cant all be wrong. They cant all be fraudulent. When is somebody going to actually do something about this and look at this. What is it going to take?! I called them the day before yesterday with two numbers for their verification system again I was transferred to somebody without even them attempting to try the numbers, so Im assuming those arent gon na work either. And my main reason for writing this complaint is my fianc who is XXXX, the person that the checks were made out to originally the payee my fianc actually went to the XXXX branch in XXXX Maine, and told them that she needed to verify her identity because of money that was being held in suspense and shes five hours away from this branch mind you she had a doctors appointment so she decided to go a few hours out of her way the next day and drive over there with two forms of ID. She gets up to the counter and they tell her that oh shes not the account holder so she either has to be the account holder or they wont even take her ID because theres no point, they know very well that I can not be there with her that we are in completely different states right now. Ive told this to the executives several times and Ive been told that she could go down there by herself and she did and lo and behold they wouldnt even look at her IDs. She proceeded to spend the next three hours in the parking lot, crying before calling me and telling me this. Ive had it with these people now. I feel as though Im being punked daily now at this point.
Company Response:
State: NH
Zip: 03110
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: This may have to do with JPMorgan Chase again playing games and trying to ruin me. I requested my statements. By law I am allowed to get my statements. They continue not sending me this year. 2022. I asked for XXXX to present and they keep sending me one month. I have had two Checking accounts and two savings accounts with many months for 2022. They closed it upon me not being asked. I have a letter that I can publish in which they say the decision was mutual. This was not done mutual. They took it upon themselves and back dated the letter the day before they tried to close the accounts. They were caught in such a lie. Which shows that they didn't even contact me. This was done by one or two malignant people in which I have their full information. I have called about seven times and have a representative at a branch help me get my statements and they are holding them hostage. Just like they did with my money. They will not give me one simple request. A full year for 2022. I am talking every month. Not just one month. This company is beyond evil and they are doing this on purpose. I need the statements and I have no idea what to do. LEGALLY I am entitled to get them. I hope the public and the FTC can see how malignant JPMorgan Chase is. They are harmful and they will ruin you physically. I almost got hurt by a manager in which I have her email and her name and the security guard. My elderly mother who is XXXX was also going to be the victim. I recommend not to walk, nor deposit your money with them. I am not ever going to step foot into one of these branches. I am scared out of my mind. I hope someone can do something about this.
Company Response:
State: NY
Zip: 10075
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX, XX/XX/2022, my husband and I received a call from XXXX XXXX, or so we thought. The person/company used a XXXX XXXX XXXX ID number which made us believe we were really speaking with a XXXX representative XXXX The party advised us that they had sent us a certified letter regarding our account dues and that we were needing to pay for the replacement of our meter. If we did not make payment immediately, the technician was on their way to our home and we would be without services until Monday. We ended up paying them {$3700.00} ( {$440.00} ; {$1400.00} ; {$990.00} ; {$390.00} ; and {$390.00} ) before realizing it was a scam. The initial {$390.00} and {$990.00} were supposed to be deposits that would be returned to us by XXXX. While my husband was making the last XXXX transfer I was calling XXXX to confirm to which the true XXXX representative advised it was a scam and that several other customers were scammed into making payments. We immediately called JP Morgan Chase bank to stop the funds and were directed to their fraud department. We did not receive a letter from Chase bank denying us any adjustment to our funds until XX/XX/2022 by letter dated XX/XX/XXXX. We made numerous inquiries over the course of that time period with Chase bank via telephone and in-person and were pushed back with a " letter is coming '' response.
Company Response:
State: TX
Zip: 77007
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I did a 0 % balance transfer on XX/XX/2022. Since that date, I have paid more on the card than I have spent, yet I have been charged interest. For my XXXX XXXX XX/XX/2022 statement, I had {$49.00} in purchases and paid {$500.00} towards my balance and was charged {$.00} in interest. For my XXXX XXXX XXXX XX/XX/2022 statement, I had {$200.00} in purchases, paid {$200.00}, and was charged {$1.00} in interest. For my XXXX XXXX XX/XX/2022 statement, I had {$52.00} in purchases, paid {$650.00}, and was charged {$1.00} in interest I tried to get Chase to correct the interest rate charges but the company couldnt do that. I was told that the company decided how much of a payment to allocate towards my 0 % interest rate balance transfer and how much to allocate towards my purchases any given month. Because my purchases are fairly small on this card and I pay off a good bit each month- usually more than the purchases amount for the month- I should be accruing little to no interest. Yet, Chase has assessed interest on the purchases I have made. I have closed my account with Chase but fee that this is deceptive - people with larger balances and purchase amounts will think they are paying off the higher interest rate balance, but they are not.
Company Response:
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: 1 : We noticed one of the vendors that we were using XXXX XXXX charged us didn't get any authorization for {$3700.00}, so we contacted Chase immediately via Secure message immediately on XX/XX/XXXX at XXXX XXXX The original message is attached below. A : We requested a refund. B : We want to stop all future payments from this vendor. 2 : Then we contacted Chase via secure message on Chase online banking again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as well for the same request : We want to stop all future payments from this vendor. 3 : Yet, we got charged again on XX/XX/XXXX for {$7900.00}. Even though we wrote to Chase XXXX times in half a month period. 4 : And today we called Chase again, and we got transferred XXXX times back and forth between their dispute department and customer service department, however, their customer service XXXX told us they can not do anything and can not be refunded. So in total, we lost over XXXX, because Chase can not stop the XXXX on time. 5 : And they told us the claim that we filed on their secure message system was already closed, even though we didn't receive any notification. And there is no instruction on how to continue the claim. We would like to get a refund of the {$7900.00} from Chase because Chase didn't block the transaction. ( First unauthorized transaction it is the vendor 's issue, however, the second transaction after we informed Chase for half a month, and we still get charged it is for sure Chase 's responsibility. ) 6 : We contacted customer services, and their customer service told us the first complaint for the {$3700.00}, is already closed because we didn't send any proof. But no one told us to send us the proof and where to send it. They just closed the complaint without informing us. We told customer service please not close the case, we have proof just need to know where to send it. Then they told us the only way to send the proof is by fax or mail. However the fax no one responded, and we tried over 10 times. 7 : Also today, from Chase XXXX office, they were calling and blaming us can not stop the transaction on time because we were using the secure message channel on their website, and blame us the reason they can not put the stop transaction block on time is that we didn't go to the branch to handle this.
Company Response:
State: CA
Zip: 94080
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Fraud or scam
Subissue:
Consumer Complaint: I sold my phone through market place on XXXX and the buyer scammed me. He pretended to set up the payment process through XXXX pay because it was more legitimate than others and more secure. I had never used XXXX XXXX and he was aware of that and that I wasnt familiar with the process. I got an email starting the process saying I had to ship the phone first and email them with the tracking number. The buyer got an email saying he had to deposit {$300.00} first to make my XXXX pay a business account to receive the payment. He did that and got them refunded and even sent me a confirmation email. I started getting sketchy emails requesting more money for verification and government approval. The emails seemed odd but I had never done any of this. I couldnt contact XXXX or XXXX marketplace to further investigate. What made me do the process is that he sent me a screenshot of the refund process from the same email I was getting them. I sent a total of {$500.00} through zelle and my bank wont give them back. I never got the {$350.00} for the phone. I couldnt contact anyone about this other than my bank and police who wont do anything about it
Company Response:
State: CO
Zip: 80525
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a CHASE debit card in the mail yesterday XXXX. I do not have a CHASE account. My husband shredded the card immediately. I called CHASE today and was told an account had been opened on XX/XX/2022 in my name which I did not do. I contacted the XXXX XXXX XXXX also. I also contacted my bank to give them a heads up. I was told {$200.00} was on the account. Claim # with Chase XXXX.
Company Response:
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A