Date Received: 2022-11-07
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I met with a man by the name of XXXXXXXX XXXX XXXX in regards to renting a home. I provided him with my personal information and he approved me to move into one of his units. I paid {$1800.00} out of pocket and {$200.00} was due at my time of move in. On XX/XX/XXXX I was asked to met him at the unit for a final walk through at which time he demanded that I XXXX him the remaining money in the amount of {$400.00}. Alone and scared I complied. I was given keys yet asked him to fix items that were wrong with the home. On XX/XX/XXXX I showed back up to the only to find him living in the unit. He physically removed me from the home. I went on XXXX and saw that he created a new posting and was attempting to scam other residents. He blocked me from all forms of communication, showed up at my job and completed authorized transactions on my banking account. The XXXX reference number is XXXX
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX, I received an email from chase informing me that my account would be closed. On XX/XX/XXXX, I went to their branch to ask the bank staff about the reason for closing the account. The bank did not tell me the reason why my account was closed and my account balance will be mailed to me by check within 20 working days. A month later, I still hadn't received a check. I called the chase customer service again, and the customer service told me that I would send a check to me within 7-10 working days, but I still haven't received my refund
Company Response:
State: NY
Zip: 13210
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Problem with customer service
Subissue:
Consumer Complaint: I sold my house this year and XXXX Mortgage send me a check for my remaining escrow. I deposited this check into my chase account ; however Chase bank put a hold on the check. I called chase bank, and they said the check can not be verified. I called XXXX Mortgage, but they said the check is valid. The guy I talked to at XXXX said it is weird that they cant verify the check. Later, Chase bank closed my account and put hold on my check. I called back XXXX Mortgage to reissue me a new check, but they said chase bank has already cash the check, so they can not issue me a new Check. I called chase bank again, and I told them to call XXXX to verify the check, but the woman said they can not call XXXX Mortgage. As at now, XXXX is still holding on with my money.
Company Response:
State: WI
Zip: 535XX
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Fraud or scam
Subissue:
Consumer Complaint: I received a text asking me if I had charged {$1000.00} on my credit Chase Visa. I was called regarding this. I was asked numerous questions to check my identity. I was kept on the phone for an hour. I told the person I was talking to that this was not my purchase. The next day when I checked my accounts, my savings account was {$0.00}. I had {$51000.00} in my account. I notified the bank immediately. I told them what happened. They asked for a police report. I got that for them. They denied my claim to get back my money. They said I okayed the transfer of funds. I did not okay the transfer of the funds. These fraudsters used my voice in some way ( recording it,? ) I dont know what they did. But the voice the bank heard was NOT MY VOICE! On the basis of what they heard they are not giving me my back. I am a XXXX XXXX XXXX I am XXXX XXXX old. That money was all the money I had in the world. Please try to help me. I did not ok the transfer of the entire sum of my savings! .
Company Response:
State: AZ
Zip: 85234
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: Deposits and withdrawals
Consumer Complaint: This complaint concerns resolution of a fraudulent check presented to Chase Bank that was posted against my account. I have been working through my local bank ( XXXX XXXX ) branch for 13 weeks to try to spur resolution of the case but am told that it is in Chases hands, it could take months, and I am prohibited from getting any information from them directly. Details : I have had a business checking account with XXXXXXXX XXXX since XXXX. I initially wrote a check to XXXX XXXX XXXX on XX/XX/XXXX for {$47.00}. That checks payee and amount were altered, presented to Chase Bank and the {$19000.00} check was posted to my XXXX XXXX account on XX/XX/XXXX ( copy of altered check attached ) I reported the situation to my local XXXX Bank branch manager, XXXX XXXX XXXX on XX/XX/XXXX. XXXX requested I fill out an affidavit of fraud and report it to the XXXX XXXX Police ( case # XXXX ). Both actions were completed by XX/XX/XXXX. I also requested to be immediately set up with positive pay to prevent further issues on my account. Chase Bank called me on XX/XX/XXXX and asked if I knew XXXX XXXX ( the payee of the fraudulent check ), to which I replied absolutely not. I followed up with the local XXXX branch 7 or 8 times over the next 2 1/2 months, and was told my case was with Chase Bank for investigation and that it would take a while. After inquiring on XX/XX/XXXX about the status, XXXX said they had no update and suggested I go back to the XXXX XXXX Police to see if they had an investigation update. At that point, it was apparent to me that we needed to move beyond the local office and I requested that someone above the branch level become involved. I then was referred to XXXX ( I don't have a last name, but the case # is XXXX ) at XXXXy XXXX XXXX Executive Client Relations XXXX. We spoke on XX/XX/XXXX and, while apologetic, XXXX said the matter was in Chase 's hands and they had no updates and couldn't help me further.
Company Response:
State: MI
Zip: 48105
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/XXXX sent my girlfriend XXXX through XXXX and she never was able to get it. The Bank won't help me find where the money went. I would like to know where or to who the money went.the transaction # XXXX
Company Response:
State: CA
Zip: 94806
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: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: On Thursday XX/XX/XXXX I attempted to use my Southwest Credit Card through JP Morgan Chase Bank at a local gas station and was denied at the pump. I called XXXX ( chase ) on XX/XX/2022 to inquire to the situation. I spoke to a girl in fraud who started saying something then just told me I violated bank policy I asked what I violated and was told I would need to speak with customer service. I asked for a manager 5 times and was denied and told they can't help this is on customer service. I asked to be transferred to a manager in customer service, after a brief 15 min hold ( no check ins ) I was connected with a male supervisor. He only stated he could not speak with me in regards to my concerns and I would need to speak with a 3rd person now for answers. I've now been on hold for almost 3 hours with no answer or response. I called in at XXXX MT and it is now XXXX MT and total time spent speaking with someone has been under 10 minutes. My credit was pulled for this line of credit which has a negative affect on my score which I am aware of working with credit ( mortgage ) for the past 7 years. Closing of my account again has a negative implication on my credit as it closes a tradeline. Chase has closed my account with no attempt to inform me or communicate anything to tell me what violation I made.
Company Response:
State: AZ
Zip: 85379
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: XX/XX/2022 - I was introduced to Home Lending Advisor XXXX XXXX and she already was asking for financial documents XX/XX/2022 - I got the first pre approval which was for the wrong amount ( incorrect List Price and Loan Amount. XX/XX/2022 - I submitted proof of the the Cashiers check for the first half of my 20 % down payment XX/XX/2022 - XXXX XXXX needed more pay stubs and bank statements XX/XX/2022 - XXXX XXXX begins texting me through XXXX informally about my loan process. Shed mention certain things via text but will not reiterate in writing via email. XX/XX/2022 - XXXX XXXX advised that she received the purchase contract from my Closing attorney. She also needed more pay stubs and my XXXX XXXX XXXXXXXX XX/XX/2022 - Via text, XXXX XXXX advises me that I qualified for the Chase {$5000.00} Lender Credit. ( $ XXXX towards my closing costs ). I confirmed that this was indeed a gift and not a loan that Id have to pay back. XX/XX/2022 - Via text, to my detriment, I begin to bring attention to the incorrect numbers I am see in the estimates. XXXX XXXX advises that the numbers are fine and that she got them from the contract. I let it go instead of pushing for a re-review. XXXX - I received an email from XXXX XXXX stating : Your mortgage application documents are ready/ SIGNATURE PACKAGE You need to provide a credit or debit card for the {$500.00} upfront good faith fee ( youll receive a credit of {$500.00} in the closing cost when you are going to close ) We can use your ATM debit card that we have in the system if you are agree. No where in the email did it state this fee was non refundable I have not received a refund, after it was Chase that backed out of the deal. XX/XX/2022 - Via text, XXXX XXXX follows up about the {$500.00} " Good Faith Credit '' that I was supposed to have returned to me at closing and asks for my credit card information through text as well as over the phone. XX/XX/2022 - Via text, XXXX XXXX says that the loan is going to Underwriting for review so I can get my Approval letter. As early as XX/XX/XXXX we were speaking about approval letters with no mention of selling my loan or Tri-Party Agreements. XX/XX/2022 - Via text, XXXX XXXX asks if Id like to lock in a 5.99 % interest rate. It gets locked in. XX/XX/2022 - XXXX XXXX introduces me to Client Care Specialist XXXX XXXX. XX/XX/2022 - The loan is still reflecting the incorrect numbers at this point XX/XX/2022 - I stopped holding my tongue and I emailed XXXX XXXX and XXXX XXXX that numbers are wrong. ( Chase Estimate was based off incorrect List Price ) XX/XX/2022 - XXXX XXXX sees the mistake and advises she will correct the numbers. XX/XX/2022 - I received an email from XXXX XXXX stating that I have been CONDITIONALLY APPROVED BY CHASE. XXXX XXXX then asks for more information verifying work history and finances, as well as letting me know that I need to buy insurance. XX/XX/2022 - Via Text, XXXX XXXX finally understands the error in her math and revises the loan estimate. XX/XX/2022 - CHASE provides me my MORTGAGE COMMITMENT LETTER via the Chase Home Portal, dated XX/XX/2022. Please Note : The Commitment Letter only mentions Recognition Agreement and Lock in Agreement At this point, I finally had the letter that I needed in order to submit my Co-op Board Application. XXXX - Via Text, XXXX XXXX says that the loan is APPROVED BY CHASE. At this point, I still have no knowledge of Chase wanting to package an sell my loan to XXXX XXXX or XXXX XXXX XX/XX/2022 - Via Text, XXXX XXXX begins asking me for more assets like a XXXX or another checking account At this point I was confused as both CHASE. XX/XX/2022 - I submitted what was asked of me. Upon review of the revised Loan estimate, I noticed my $ XXXX lender credit was not listed. I inquired about it and was ignored and put through the run around by both XXXX XXXX and XXXX XXXX XX/XX/2022 - CO-OP BOARD APPROVAL IS OBTAINED. At this point I still thought I had the CHASE approval and I now had the Co-op board approval. XX/XX/2022 - I finally purchased my Hazard insurance with XXXX. At this point I am anxious to lock in my closing date. XX/XX/2022 - I submit my Board Approval letter to CHASE and follow up about my Closing date. Still no answer from XXXX XXXX or XXXX XXXX. XX/XX/2022 - Via Text, I follow up with XXXX XXXX about my closing date, she responds saying The project wasnt approved by CHASE XX/XX/2022- I followed up via email as to how I was now not approved by CHASE. XX/XX/2022 - It was not until XX/XX/2022, 2 months into the process, that XXXX XXXX decided to tell me that my Loan was being shipped off to XXXX XXXX as I was ineligible for XXXX XXXX due to the optional termination clause on the lease hold due to a non-monetary default. I was advised I needed a Tri-Party agreement to lock in a closing date. XX/XX/2022 - At this point I contact XXXX XXXX, the listed Manager in XXXX XXXX email signature. Because I was absolutely frustrated with XXXX XXXX. XX/XX/2022 - Both XXXX XXXX and myself tried to convince the Co-op to sign the Tri-Party Agreement. Reps from the coop advised me that the signing of this document in order to get a closing date was never standard practice. The co-op I applied to even had previous loans with CHASE that require no such agreement. XXXX - After a full week of CHASE Reps and Attorneys trying to bully the Co-op into signing the XXXX XXXX, the loan had officially fallen though. XX/XX/2022 - I received a Statement of Credit Denial stating my denial reasons as *Value type place or condition of collateral insufficient or Unacceptable When I tried to get my {$500.00} good faith credit returned, XXXX XXXX finally advised that it was non refundable since a closing did not actually occur in which I would have been refunded. ***Emails between my closing attorney and CHASE attorneys can be provided on request*** At this point I have been forced to goto another lender and with only interest rates above 7 %. My current Rate is 7.375 %, up from the original 5.99 % from CHASE. My closing cost is nearly {$4000.00} more thanks to CHASE backing out and forcing me to get a new lender. I am no longer receiving any type of lender credit, as CHASE 's {$5000.00} lender credit was now off the table. Not only has CHASE refused to return my {$500.00}, but through the use of a Mortgage calculator, I have deduced that over the life of the loan CHASE would have cost me {$35000.00}.
Company Response:
State: NY
Zip: 10466
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: I am writing to dispute a fraudulent charge on my account in the amount of {$44000.00} I did not make or authorize this charge and may have been the victim of identity theft. On XX/XX/XXXX I filed a dispute with CHASE via fax and explained that someone stole money from my account a merchant name XXXX Transaction Date : XX/XX/XXXX took money from the account in the amount of {$15000.00} Transaction Date : XX/XX/XXXX took money from the account in the amount of {$5000.00} Transaction Date : XX/XX/XXXX took money from the account in the amount of {$10000.00} Transaction Date : XX/XX/XXXX took money from the account in the amount of {$14000.00} I have never done business with the merchant name XXXX and I never authorize XXXX to take money from my account. I did not make or authorize this charge. I requested CHASE that the charge be credited and reinstated to my account and I receive a correct statement ASAP. I also asked CHASE to investigate this matter. CHASE failed to investigate this matter properly and correct the billing error as soon as possible. My CHASE account at the moment is negative, chase also locked my account and I have no access to my banking account. CHASE failed to protect my bank account and my money. CHASE claims to protect their customer from unauthorized charges and fraud. Failed to protect me as their customer. I failed a dispute with Florida Attorney General. I also contact the local media, TV, and news. I will take this fraud nationwide if CHASE fails to fix it. These requests are being made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ) Im requesting any finance and/or other charges related to the fraudulent charge be credited to my account. These charges are fraudulent.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: Our was texted and then called on XX/XX/XXXX by chase numbers ( which I XXXX before responding or answering to ). I was told that there was a fraudulent transfer happening through my XXXX ( which I have set up through chase ) and in order to reverse it, I had to fake send my money to a number that was supposed to be my claim number. The transfer was supposed to be say declined once I sent it to the claim number. Little did I know, I was legit transferring money to people who were not chase even though the numbers matched. I contacted Chase on Monday XX/XX/XXXX, & & was told that it was not actually them who called. They said they needed to investigate & 5 days later I was told they would not help me because technically I authorized the payment. I spoke all the way up to the supervisor who basically told me Chase refuses to do anything about scams. She spend over XXXX minutes giving me examples of other people who lost money through a scam which was 100 % unhelpful. I was told by her that not even the police could help me. The representatives made it seem like it was all my fault and not even the highest Chase representatives could help me either.
Company Response:
State: IL
Zip: 60073
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A