Date Received: 2022-11-05
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX I went through the drive through of Chase Bank XXXX XXXX XXXX in XXXX illinois XXXX. XXXX was the teller that helped me. I filled a withdraw slip for XXXX and requested a XXXX cashiers check. I received my cashiers check and my money in an envelope and continued on with my day. Later on when I was transferring my money from envelope to my safe I realized that it was a total of only {$6300.00} in the envelope. I was shorted {$500.00}. It was too late in the afternoon do I could not return to the branch. On XX/XX/XXXX, I returned to the branch at XXXX XXXX. I was treated horrible and was basically told that it is not their responsibility as it has been 24 hours. I then requested that the cash drawer and money counting machine be audited. I left and then gave bank a call about their findings. The manager got onto the phone and expressed to me that the drawers and money machine were audited and everything appears to be ok on there end. I then asked if the videos could be reviewed because somehow, my money was short. He basically brushed me off, accused me of lieing, and said he will see what he can find, but reminded me that it was the weekend and probably nothing would be done. I know that the money was missing. I do know that it is on the bank because I know where me and the money were after leaving the bank and it is not possible that anyone took it or I misplaced it. So I am currently just out XXXX and was told when it is convenient for him, he would look further into it. If they review the video, or attempt to care, we may be able to find out what went wrong!!!
Company Response:
State: IL
Zip: 61704
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Company : JPMorgan Chase Bank , N.A . Amount : around {$470.00} Date : XXXX On XX/XX/XXXX, when I was trying to send money through XXXX to my friend, XXXX indicated that a problem had occurred and asked me to contact Chase customer service. After contacting Chase customer service, they told me that my account had been closed and they will be reviewed it for ten business days and then send me the check for the remaining balance. I have waited for more than a month, but they never sent me the check and kept saying that my account needed to be under-reviewed by the risk department and the time of reviewing is indefinite. It was totally unfair to me. I don't involve any fraud or suspicious activities ; they just closed my account for no reason. And Chase even did not provide any letter to inform me their action. Since I am an XXXX XXXX and lost my credit card from my parents, I have been borrowing money from my friends for a month. I urgently need this check from Chase, and I can not wait till XXXX. I will leave the United States on XX/XX/XXXX. And are they going to give me a check after I leave the country? How can I get the money? There's no way Chase will pay for my flight to the United States. This action from JPMorgan Chase Bank is really disappointing and disrupting my life.
Company Response:
State: LA
Zip: 70115
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I've been purchasing furniture for my new home that I will be moving to at the end of this year. I ran into several declines when making purchases on XX/XX/2022 due to suspected fraud. I cleared each of the text alerts to confirm the purchases were made by me. However, it kept happening for numerous purchases. Ultimately, I was able to make the purchases after numerous attempts and frustration. On XX/XX/2022, I called Chase as I was planning to make additional purchases and wanted to be sure there were no further issues. I was informed by the first representative that Chase placed a security freeze on my account without notifying me in anyway. She transferred me to a member from the fraud team, which I explained the situation to and he helped me get things situation to ensured that I'd be good to go. He cleared the fraud hold from both my credit cards and added the address I'll be moving to eventually ( that I was shipping the furniture to ) as the secondary address on my account. He promised me that I'd have no further issues. A few hours later, I made a purchase with XXXX that went through, just to find out from the merchant several minutes later that Chase actually reversed the charge, and re-placed a fraud hold on my account. I called Chase back and got a supervisor who was serving as a back-up for the Fraud team since they closed XXXX minutes earlier. He spent over XXXX minutes re-verifying me and asking me numerous questions just to tell me that the fraud team added an escalated hold that only they can clear. They don't do call backs, so I have to take more time to follow up with the Fraud team during their business hours to clear up their incompetence. This is the third time in the last 2 years that the Fraud team has blocked my card right when they closed, leaving me stranded without an alternative when I needed to make a critical, time sensitive purchase. This is unacceptable that this team has so much power and no one else can help customers address critical needs.
Company Response:
State: TX
Zip: 78704
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: Money was not available when promised
Subissue:
Consumer Complaint: Hello. I'd like to file a complaint regarding my recent international wire transaction of {$50000.00} through Chase for XXXX. Now I have to pay a late fee of {$2500.00} because of the Chase mistake. I initiated this transaction on XXXX, XXXX 2022. After a week, when a recipient told me he still hadn't received the money I contacted Chase over the phone for the first time. A bank representative sent me to the " secure messages '' system and told me to send a request to your internal team. They replied that the money was successfully sent. During the next 2 weeks, I contacted Chase several times and representatives were convincing me that the transaction was sent until they finally admitted that the transaction was still reviewed by the Compliance Department. They requested some additional information about a recipient which I provided. On XXXX, XXXX they sent me a message that the money was finally sent. In XXXX, since the money still wasn't received I contacted Chase again about 4 times asking them to track the transaction or provide me with a tracking number or a XXXX document. Nobody provided me with this information, I was sent to several different departments over the phone and every time waited for 30-40 minutes on the line after they just hung up on me. On XXXX I came to a Chase branch because I was told that they could provide me with a XXXX document to track the money. I spent there 3 hours and after that, I was finally told that the transaction still wasn't sent because their internal department forgot to send over the additional information I provided to an intermediate bank. My business partner only received the transfer on XXXX, XXXX because of the Chase mistake. And now I have to pay a late payment fee of {$2500.00}.
Company Response:
State: CA
Zip: 90046
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: Other transaction problem
Subissue:
Consumer Complaint: Our company is a manufacturer of tin cans for paint and twist-off lids for the food industry. Between XXXX " XXXX XXXX '' XXXX, XXXX, XXXX region, XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Room XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX supply contract was concluded XXXX dated XX/XX/XXXX. for suppling tin for producing lids. Pursuant to this agreement, on the basis of the invoice XXXX, in favor of XXXX XXXX XXXX, from the account XXXX XXXX " XXXX XXXX '' XXXX. XXXX ; XXXX ; Bank XXXX XXXX XXXX XXXX XXXX currency payments were transferred, the payment currency is USD, in accordance with : - PAYMENT ORDER No. 3 dated XX/XX/XXXX - XXXX - PAYMENT ORDER No. 2 dated XXXX - XXXX According to the latest information provided by Bank XXXX XXXX which we have, the money is blocked by the bank - XXXX BANK XXXX XXXX meanwhile, according to the response from XXXX BANK XXXX XXXX XXXX XXXX it was returned to JP MORGAN CHASE BANK N.A . Meanwhile, JP Morgan CHASE BANK N.A. does not return funds, because Bank XXXX BANK is under sanctions. We sent a request to XXXX, but we received a response : We can not locate a record of the funds described in your correspondence as being blocked. It was suggested to contact the bank that blocked the funds. But the bank refuses to talk to us because we are not their client. We ask you to assist in claiming information from JP Morgan CHASE BANK N.A., about blocking our payment in XXXX.
Company Response:
State: AZ
Zip: 85142
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: I ordered XXXX and concert tickets. I have text history with XXXX. He promised the XXXX would arrive on XXXX XXXX. Iphones are on back order so he said I would get it XX/XX/XXXX. I ordered festival tickets from him and he said he give me everything but XX/XX/XXXX. Still nothing. I contacted him he said XXXX get it for you by the next day. He keeps going around in circles. I contacted my bank and XXXX but they said there is nothing they can do. This person is a friend of mines so I trusted to XXXX them. I reported that he scammed me to chase and also XXXX but both companies responded with nothing they can do. I went to XXXX house to try to get my money back but he just keeps saying he will give it to me but no dates. Is there anything we can do to stop others from being scammed by this person? XX/XX/2022 XXXX payment to XXXX XXXX XXXX : XXXX Amount of {$1300.00} XX/XX/2022 XXXX payment to XXXX XXXX XXXX : XXXX Amount of {$1800.00} XX/XX/2022 XXXX payment to XXXX XXXX XXXX : XXXX Amount of {$2000.00} XX/XX/2022 XXXX payment to XXXX XXXX XXXX : XXXX Amount of {$1500.00} XX/XX/2022 XXXX payment to XXXX XXXX XXXX : XXXX Amount of {$2000.00} XXXX try to call him everyday. He just keep pushing me off. I went to his house and his family blocked me from talking to him. I really dont know what I can do I really need my money back but there seems to be no way to get directly to him.
Company Response:
State: CA
Zip: 91792
Submitted Via: Web
Date Sent: 2022-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: JPMCB AUTO FINANCE has violated my rights XXXX XXXX XXXXXXXX XXXX XXXXXXXX States I have the right to privacy. XXXX XXXX XXXXXXXX XXXX XXXXXXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXXXXXX XXXX XXXX - Definitions ; rules of construction - Exclusions.-Except as provided in XXXX the term " consumer report '' does not include + any report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX XXXX XXXX A creditor may not treat a payment on a credit card account under an - open end consumer credit plan as late for purpose. XXXX
Company Response:
State: CA
Zip: 91402
Submitted Via: Web
Date Sent: 2022-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: In XX/XX/2022 I discovered unauthorized charges and informed bank. Bank issues new card, however unauthorized charges continued on my account. In XX/XX/2022 my bank account had insufficient funds which caused alarm. I had a substantial amount of unauthorized charges and double charges. I notified bank immediately and they replaced card and gave me provisional credit until investigation was complete. I also incurred charges after card was cancelled and I had not received new card. Soon after provisional credit was reversed with no explanation. I trusted chase bank with my money and I was robbed. Chase Bank did not raise red flags After replacing my card. Chase failed to do 24/7 fraud monitoring for unusual activity. I did not authorize XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX several charges from XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and several more. I incurred double charges from XXXX, XXXXXXXX XXXXXXXX XXXX XXXX XXXX It is an overwhelming amount of unauthorized charges. This has caused financial hardship and has been time consuming. I've reached out to bank and issue has not been resolved. I was told that credit reversal meant that bank reached a decision. I don't trust the bank and suspect that bank is responsible for the charges. Chase needs to replace stolen funds immediately and I can take my business to another bank that will protect my money. I can provide detailed information about unauthorized charges. I wasn't able to upload or attach list of unauthorized charges to this application due to file size. I can provide it upon request via fax or email.Please help me get my money back. Thank you for your time and help
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Chase Card is applying my payments to the portion of the balance where interest fees are not being charged yet. The portion with a promotional balance.
Company Response:
State: FL
Zip: 33020
Submitted Via: Web
Date Sent: 2022-11-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: To whom it may concern : Please help! Chase bank is holding my Social Security XXXX Income direct deposit hostage. On this past Wednesday, XX/XX/XXXX, I saw on my online checking account a deposit I didn't recognize. I called Chase Bank. The first representative put me on hold for 15 minutes and then disconnected me. I called back and spoke to a second representative. He said there was a check causing the hold and my account was restricted. I found out that someone tried to deposit 7 fraudulent checks into my account.. I still don't understand how the scam worked unless they were coming back at a later time to get the money. That still does not make sense to me. I was transferred to the claims department. I filed a claim saying the checks were fraudulent. I informed them that my Social Security XXXX Check was due in the next day. We start having a discussion because my pay check might be delayed. I said XXXX can not be. I have a XXXX scheduled, bills to pay with fines and fees of {$200.00} starting on XX/XX/XXXX, I have no food I id after the XXXX of XXXX, I have animals to feed and care, medicine to purchase and so on. She called starving an inconvenience. I was insulted and provoked by this callous comment. Then, she tried to deny what she said. I know what I heard. I asked to speak to her boss and she said it would be a XXXX minute wait. I said that is unacceptable. I requested her boss 's boss and she said I had to deal with her boss. I had already been on the phone for 2 hours continuously. I asked for the location of the home office. She claimed that they didn't have one. Then, she tells me there is nothing else she could I called the XXXX XXXX XXXX because I had talked to them before I was transferred to that lady in the Risk Department. They were going to try to help me but then they decided to transfer me back to the Risk Department. He kept calling me a ma 'm. When I confronted him about it. He said that is not an insult. Well I felt insulted and he ought to be more focused in his job performance. Whether he meant to or not, he insulted me. They incite anger in you and then they deny they did it. After we went round and round about my check, he finally told me that I could withdraw my XXXX tomorrow and open a new checking with Chase. That was all i wanted to do. His solution to all my problems was go to the branch and they will resolve everything. All of this information proved incorrect. The next day, XX/XX/XXXX, I went to the branch. They could do nothing to help me. I began to realize I was being treated like dirt. I told the branch manager it did not pay to be honest with them. I told her I was the one who first made Chase aware they were fraudulent checks. I was the one who called claims and did what was necessary to file a claim. I would have been better off keeping quiet. They said my direct deposit from XXXX did not come in yet. I called Social Security while I was there and they informed me that my direct deposit had gone into the account. Someone in Chase has my direct deposit and it will be one to two business days before it posts. I had gone to Chase planning to withdraw my.paycheck and open a new account. That did not happen. I told them I was now stranded and I had a mile to walk back home. I am XXXX and I did not think I could do it. They didn't care. They said there is nothing they can do about that. I walked it. It took me a long time to get home. My pain level is off the charts. I am still hurting today. I discovered last night my XXXX XXXX account is suspended because of what is going on with Chase. This morning I tried to open a XXXX XXXX checking but was declined because of what is going on with Chase. Chase has put me on a deserted island without any resources. I spoke with Chase this morning, XX/XX/XXXX. I was initially told my direct deposit will be in on Monday. Toward the end of the call I was told my checking was being closed permanently and I could no longer be a Chase customer. In addition, i was told when the bank closes my account, they will mail me a cashier 's check in the amount of whatever is in my account. That will be XXXX to XXXX business days. I told the boss that I felt persecuted. I did what was honest, right, and responsible, and look at the world of hurt i bought on myself. Why is honesty never rewarded and liars are in this country? I told him that the bank is showing no compassion, kindness, and empathy. I never once raised my voice with him this morning. His representative I spoke to before I spoke with him I had to caution her twice about raising her voice at me and she got a defensive tone once in her voice. I just can not believe how I was treated. They say in their speeches they want to protect the bank and the customer. I have had bullies treat me better. They do this and get away with it because I am poor. thank you very.much for your time and interest. XXXX XXXX XXXX P.s. I had nothing to do with putting those checks in for deposit. The checks has some credit union in Oregon listed. I have never been or lived in Oregon. I have been in XXXX 40 years or more. None of this is my doing. I do not know how to.make an online deposit. I honestly thought you couldn't do that. A junkyard dog is treated more humanely than I have been at Chase.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A