Date Received: 2022-11-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This is an attempted bank garnishment gone WRONG! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX vs CHASE ORDERS & amp ; XXXX " Transaction Specialist ". There Has been mistake after mistake made by each party. CHASE BANK has been illegally holding funds in my personal bank account since XX/XX/XXXX. CHASE provided false information on their answer to the Citation to XXXX XXXX on XX/XX/XXXX, and again on XX/XX/XXXX. These errors have now caused my bank account to be illegally frozen twice. CHASE 'S initial answer to the citation to XXXX XXXX showed an incorrect present balance of over {$5200.00} when there was in fact only {$1200.00} in the account. CHASE has issued ( XX/XX/XXXX ) an amended answer to the citation with updated present balance amounts, but this new answer shows {$0.00} on hold. There was another hold placed on the account XX/XX/XXXX and the account is still frozen as of XXXX. The amended answer to the citation should show they are still holding funds, but it doesn't. The initial account freeze was lifted XX/XX/XXXX due to court order resulting from A {$4000.00} XXXX exemption. There is A XXXX exemption on file that is being ignored by CHASE XXXX XXXX XXXX XXXX XXXX
Company Response:
State: IL
Zip: 60644
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I have a 7 year fixed mortgage through Chase that re finances in XXXX on XX/XX/XXXX they sent me a note that per the terms of the loan it would not go up more than XXXX points and would ne fixed at 4.875 for a year. I reached out to them a XXXX XXXX and she confirmed that was the case I just received a notice in the mail ( similiar in format ) dated XX/XX/XXXX saying that my new rate will be 7.5 % as of XX/XX/XXXX. I feel I was fraudulently misled intentionally to make a greater profit by Chase Had they been honest in XXXX and told me their absolute intentions i would have re financed then into a much lower rate than 7.5 %! I knew rates would change just not to the extent they are now saying!!
Company Response:
State: CA
Zip: 940XX
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have not been over 30-days late, but it shows that I have on the credit reports.
Company Response:
State: NV
Zip: 89117
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I was caught in an XXXX XXXX XXXX scam after a mutual friend 's account had gotten hacked and I was under the impression that it was her who was talking to me. She then referred me to another account that had " helped '' her get started and at the time I had lost my job and was in a bad place so I just wanted to see if it would work. This started around XXXX and she seemed nice and gained my " trust '' because she seemed like a real person and she also knew my friend so I thought she could be trusted. In the beginning, she also kept assuring me that it is 100 % safe and legal and her XXXX page also had a lot of " testimonials '' and seemed legit. She asked me for an initial investment of {$1500.00} to get started with her company " XXXX XXXX' account and that is where the money would be entered and then after the profit was made I would be able to cash it out. Then she said in order to get the funds out I needed an additional {$2500.00} which I told her I did not have and could not do it. But she insisted and said she would pay half to " help '' me out, and at this point, I really just wanted to get my money back so I paid the {$1500.00} for an upgrade. Throughout the conversation, she kept saying that I will be able to get my money back immediately right after the deposit was made and I kept asking her for reassurance if she was serious and she kept telling me, yes yes it is safe. Anytime I made the deposit and would tell her to give me my money back she would keep making excuses and saying I need to pay the " tax '' fees and go through the process to get my money back " immediately ''. She would always use that word and never deliver. After a while of not getting my funds, she wanted me to invest a certain amount into XXXX, but my card was not working and kept getting denied. After I got mad at her for lying and letting her know that I am going to report this to the bank she then referred me to her " XXXX '' who started by sending me a picture of his " ID badge '' and a certification as a XXXX XXXX XXXX which I thought was real and then got me to send a picture of my ID as well. He then asked for my bank login so he could return my money right away. I was desperate at the time to get my money back and was not thinking right so I gave it. Also, the scammers always loved calling through XXXX and I wouldn't pick up the girl 's call but the XXXX seemed adamant that I talk to him and I realized that the voice and accent did not match his ID picture at all. He then proceeded with what I now know as the " Refund Scam '' he put funds into my credit card account, this happened in XXXX after the whole runaround with the scammer before, then told me to buy {$6000.00} worth of XXXX XXXX XXXX and send it to him. At first, he wanted me to buy XXXX XXXX XXXX XXXX 's which I really was not comfortable doing. After I told him no I am not comfortable doing that he said that was the only way to get the money back and kept using a sense of urgency to get me to do it. At the time I was not aware of these refund scams that had been going around because I had not been exposed to them until now. I understand that I should have been smarter but they got me at a bad and desperate time. After they wanted me to get more gift cards I was fed up and done and called my bank and reported XXXX XXXX transactions as unauthorized transactions. XXXX were made on XX/XX/XXXX and XXXX for {$1000.00} each, the third payment was made on XX/XX/XXXX for {$900.00} and a fourth payment was made on XX/XX/XXXX for {$500.00}. Which is a total of {$3400.00}. They also transferred {$1500.00} from my credit card account by the use of my XXXX account which I reported as well. I do not have a job and all my savings were taken by these scammers and I called the bank and reported these transactions on XX/XX/XXXX, they returned the fund temporarily but after their investigation, they said all the logins were consistent and after getting the runaround with no help all agents were saying that they do not have the 'rights to recover " since I had authorized the transactions. I told them I was scammed and each one just kept saying that they do not have the right to recover and that there was nothing they could do. After doing some research I learned about the CFPB, XXXX and Regulation XXXX I began to file reports of my incident and do whatever I can to retrieve my hard-earned money. It is not right that someone can just scam you and get away with it and leave you to fall further into despair. Please help me.
Company Response:
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Hi This is XXXX XXXX. JP Morgan Chase Bank always discriminate me getting Amazon Prime Visa Credit Card, recently I have noticed that I have received a call from collection company regarding my sister 's old account of XXXX ( XXXX XXXX ) which was managed by Chase Bank, and they were threatening me that I want to speak XXXX XXXX ( my sister ) about important business matter about settlement of old credit card, and court documents will be sending etc etc., I said, how did you get my number, I am not related to this account, they were keep harassing, this is second time they have called me and I am not related to this account at all. JP Morgan Chase keep banned my house address, credit card offers, and other limits. I have wonderful auto loan payments of two years, wonderful payment history on other cards, never missed any payments, but CHASE is the only company, never send any offers nor they approve any credit cards because of my sister very old account, I know this account has been removed from credit history of sister 's credit profile, but still whole family were banned getting CHASE offers, collection department calling me, my another sister got call for this account and threatening court documents, this is unfair. they have kept secret system blocking my credit history and any offers. I have noticed it since XXXX and after second threatening call from collection, I have analyzed that CHASE discriminating me. I will leave their checking account and Chase Freedom card..I request from CFPB to inquire about this matter and get evidences from CHASE BANK, they can not restrict me based on same address. I am not legally responsible to pay XXXX XXXX old credit card of my sister.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, we went to log into our Chase Bank accounts online, and we received an error message regarding " suspicious activity '' and were unable to access our accounts. The message stated that we needed to call the listed number for assistance. We did so immediately and were informed that Chase Bank had frozen our accounts and was " ending their relationship with us '' due to " suspicious activity ''. We were told our accounts would be closing within 10 business days ; with the understanding that we had these 10 business days, we waited a couple of days before going to our branch to withdraw our money so that a pension check we receive every month would be safely received and direct deposited. We went to our branch on XX/XX/XXXX to withdraw our money from 2 checking accounts and 1 savings account. We were denied. The branch manager and an assistant called a support department and were told there appeared to be a fraudulent payment made to one of the checking accounts. They would not disclose any other information nor the transaction details. We were also given a date of XX/XX/2022, as a date the review should have been completed and a cashier 's check would be mailed to us of the amounts in our accounts. It has now been more than 5 weeks that we have not been able to access any of those monies with no explanation. We have spent countless hours calling various departments, speaking with several bank officers who would pass us along to another officer only to be told by each one that they can not give us any information other than that " review is still being investigated '' and that they can not give us any kind of time frame as to when they will finish their review/investigation and if or when they will be releasing our money. In the first week of XXXX, we received a letter dated XX/XX/2022, from Chase Bank stating they were going to close our accounts because of either a recent transaction or that we did not provide requested information. Please note that at no time were we ever asked to provide any information this alleged fraudulent deposit. In fact, we were not given any notice at all that our accounts were in jeopardy until we went to log into our accounts online to find we had been locked out of them. Our life savings, pensions, IRAs, etc. are in these 3 accounts. We are asking for your assistance in this matter. We have been given a case number of XXXX. Our Chase Bank branch manager is XXXX XXXX. Her email is XXXX Sincerely, XXXX XXXX. & XXXX XXXX. XXXX
Company Response:
State: AZ
Zip: 85207
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Originally called and reported some fraud charges on my Chase Debit Card on XX/XX/XXXX. Reported charges that I was able to see at that moment and told them if I found anymore I would call back and let them know so they can help me out with the fraudulent charges I had been experiencing. They agreed that those charges were not on my behalf and authorized the funds back since I didnt make those transactions. They closed the card out and replaced it with a new and everything was fine. I finally had time to look at previous bank statements and noticed some more charges from XXXX and XXXX and called to Report those charges to the original claim that was made on XX/XX/XXXX. Again, those disputed charges were reversed and they agreed that it wasnt authorized on my behalf. Now in XXXX, I called because I had time to review statements from back in XXXX and they helped submit a claim for those charges. Well now they state that those charges in XXXX were outside the 60 day window to dispute charges and wasnt originally attached to the XXXX Claim and they took away all the settled fraud disputes after they were already acknowledged to not have been made by myself. I called and spoke to a supervisor who said that unfortunately when they submitted the XXXX charges in XXXX it removed all the settled claims from my bank account since they stated that the XXXX Charges werent made past the 60day rule and that there was nothing they can do. I just dont understand how they didnt tell me this upfront when submitting the claim in XXXX that it can affect the original claim that was already approved from XXXX. Really disappointed and extremely upset and how there is not clear upfront explanation. They have now left my account owing thousands of dollars and with not help insight where I can submit my case.
Company Response:
State: CA
Zip: 90660
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Chase closed my account on XX/XX/XXXX. Ive called them multiple times and every time they say should finish the final find release in 10 days. Right now its been over a month and still havent received my check. The only thing I received is a summary of the account, which was on XX/XX/XXXX, and the last statement is the check is made and the account funds turned to XXXX. I even went to the bank to ask when will the check be mailed and they say they have no idea about the process. Everything seems to be hidden and dont know whats going on.
Company Response:
State: NJ
Zip: 07302
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I sold a XXXX XXXX laptop to the person called XXXXXXXX XXXX XXXX on XX/XX/2022, the buyer send me the payment thought XXXX, the amount is {$980.00}. However, the buyer field a dispute claim with his bank under the reason : Unauthorized transaction on XX/XX/2022. This claim field by this buyer was against my Chase checking account, which result in my checking account frozen and closed. The buyer 's bank also withdraw the payment for the laptop {$980.00} from my checking account. I shipped the item to him and I have the tracking number. The buyer totally lied to the bank, just want the item for free. I need my money back!
Company Response:
State: CA
Zip: 91768
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XXXX XXXX, I posted my laptop for sale on XXXX XXXX XXXX for XXXX dollars. A person knocked me saying that he wanted to buy the laptop for XXXX dollars and he wanted to pay via XXXX. I gave him my XXXX id. Immediately I got an email that he has sent me an amount of XXXX dollars and it looked like it came from XXXX exactly but it said it was pending for transaction and my account needs to be upgraded to a business account shortly and then I was sent another email saying that I need to pay the buyer XXXX dollars refund which I did and again I got similar mail from XXXX which is supposedly fraud that I need to send another XXXX dollars. Again I sent that amount and later I realized that this was the XXXX scam and yes I have been scammed and immediately on that day I contacted XXXX and my bank Chase Bank. They both told me that it was a scam not a fraud like I was the one authorizing the transaction so this is not a fraud and I will not be getting any refunds for this, I tried to contact everyone in this process but I did not get any help as I was the one who authorized this and also I didn't know the differences between fraud and scam. Hope you guys can do anything about this
Company Response:
State: MN
Zip: 551XX
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A