Date Received: 2022-10-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Electronic check was deposited on XX/XX/XXXX for the amount of {$4200.00}. It was processed and cleared from the account holder who endorsed the check within 2 days. On Friday XX/XX/XXXX I received an email from chase saying my account would be closed. I wasnt sure if this was in error as I didnt see any messages in my online account. Since the funds had been cleared and showed available in my account, I attempted to use and was rejected. I contacted chase on XX/XX/XXXX attempting to resolve and use my funds. Their recommendation was to have the check issued call chase to clear the transaction. The issuer called and stated everything was clear on their end, funds were disbursed appropriately. I called back XX/XX/XXXX to follow up. They gave me the same recommendation to have issuer call. Issuer called and received the same information. I decided to conference call with issuer on the line to clarify banks request. They verified issuers information and assured me issue would be resolved and I would have access to my funds within XXXX XXXX I attempted to use card XXXX XXXX later and my account is still restricted. They continue to waste my time and issuers time and give us the run around. The funds are not in issuers account nor in mine. This restriction does not allow me to buy food for myself or family and is also costing me time and money.
Company Response:
State: CA
Zip: 91352
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My husband called chase to issue a new credit card on XX/XX/XXXX since he had a fraudulent charge from XXXX. Chase said they would mail out a new card and it would be to us in 3-5 business days. On Saturday XXXX, my husband was at work, phone stopped working, he got home at XXXX on Saturday and noticed chase app alerts- he called chase bank and there was a withdrawal of {$8000.00} from his checking account ( at XXXX at the XXXX Branch XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ) and {$40000.00} from our shared checking account ( at a chase branch at XXXX XXXX XXXX XXXX XXXX ). On Sunday XXXX, we called chase to cancel all our cards, including the one that we were still waiting on, and they said there was already charges made on the credit card as detailed below. XXXX XXXX ( EST ) XXXX XXXX {$14000.00} XXXX XXXX ( EST ) saks XXXX XXXX {$3100.00}. XXXX was tried XXXX times between XXXX and XXXX ( EST ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX {$1200.00} We filed a claim with chase once the withdrawal transactions were posted which was Tuesday XXXX as they said they could not do anything while the transactions were still pending. After speaking with multiple chase representatives both on the phone and in person since XXXX, it wasnt until I called on XXXX to ensure they received my affidavit form to complete our claims process to start their investigation that they then informed me I needed to file a police report to complete the process and start the investigation. We faxed over the police report on XX/XX/XXXX, called daily but they said they never received, resent it again on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Finally they said they did receive it and were able to start the 3-5day investigation process. I submitted a claim to the BBB regarding Chase bank, and thus my case was escalated to the chase executive branch, supposedly highest level of escalation. Our case liason has been very hard to reach, does not return calls. When we are finally able to get in touch, they continuously ask the same questions over and over despite us previously providing the answers multiple times. It has been over 30days now, our money has yet to be returned to us and we can not get any information as to when we can expect our money back in the accounts.
Company Response:
State: IL
Zip: 60622
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2022, I began a My Chase Plan for a {$2400.00} purchase. The terms of the My Chase Plan were XXXX payments of {$130.00} with no monthly fee. On XX/XX/XXXX, my Interest saving balance for my credit card was much higher than expected, and for some reason a large part of the My Chase Plan principal was lumped with this month 's Interest saving balance, leaving a remaining principal of {$190.00} for an 18 month term loan that was originated only ~3 months ago on XX/XX/2022. I contacted Chase via phone on XX/XX/XXXX and they said there is nothing they can do to assist, sticking me with a monthly obligation of ~ {$2000.00} higher than expected.
Company Response:
State: CO
Zip: 80204
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a mortgage serviced by Chase for a property in XXXX, New Jersey. I changed insurance effective XX/XX/XXXX and paid premium directly with my insurance broker. I followed Chase 's procedure to inform them of change. Chase proceeded to send a check to the insurance company out of my escrow account for the premium amount of {$1400.00} despite the fact policy was already paid for. I was informed toward end of XXXX of the shortage in escrow this caused and that my payment would go up as a result. I contacted my insurance company ( XXXX XXXX ) who confirmed they never cashed the check they received from Chase ( as policy was already paid ) and sent that check back. I called Chase on this at end of XXXX ( I believe the XXXX but not 100 % sure of date ). After an hour long conversation and multiple hand offs and holds they confirmed the check had not been cashed, that they would stop payment on the check and within 7-10 business days the funds would be returned to my escrow account. I checked back with them on XX/XX/XXXX which was more then the allotted time for resolution. In the interim they had performed another escrow analysis showing no change to the account. I spoke to them again, had to re explain the situation again and go through the same hand offs and holds and was told again that they would put a stop payment on the check and it would be resolved. This time they told me within 3-5 business days. Nothing has changed on my escrow account in the interim and the higher monthly payment to cover the shortage they created is now reflected on my statements going forward starting in XXXX. I called Chase again first thing this morning ( XX/XX/XXXX ) and had the re-explain this situation again and was put on holds and handed off to multiple people again. No one I speak to there ever seems to be aware of the issue or have any idea what is going on. I was told this time that there is no timeline they can give me for a stop payment to process even though they are the issuing bank on the check and have been aware of issue for over a month. I asked to speak to a supervisor and was told no one was available but I would receive a call back in a couple of hours. No one has called me back from Chase.
Company Response:
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/2022 I logged into the Chase Ultimate Rewards portal and saw an offer for a 30 % bonus to transfer points to XXXX XXXX XXXX, advertised as follows : 30 % Bonus Points Limited Time Offer! Get your Bonus XXXX Points today Limited time offer : Get 30 % Bonus XXXX Points when you transfer points through XXXX XXXX on XX/XX/2022. Upon completing my transaction to transfer XXXX points, I noticed I did not receive the 30 % bonus. I then contacted Chase Support and found out the offer does not BEGIN until XX/XX/2022 at XXXX XXXX and thats why I did not get the bonus. This is clearly FALSE ADVERTISING.
Company Response:
State: MD
Zip: 20906
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have a account with chase XXXX Bank I paid my car payment will XXXX XXXX with a check and it went threw on XX/XX/2022 with a check. The check was returned back to XXXX XXXX on XXXX XXXX which on the XXXX, of XXXX the funds were there. And also XXXX XXXX I made a payment to XXXX XXXX today for the amount of XXXX XXXX XXXX XXXX dollars which is the payment every month my payment keep getting reversed the money is in the account after I made the payment XXXX XXXX XXXX I called XXXX XXXX the payment went threw. I was in the branch chase XXXX Bank XXXX XXXX and I asked did they see the payment for today they said yes my balance was XXXX XXXX and some dollars. I also was replying to XXXX XXXX statements stating they sent the payment to chase XXXX Bank and there was a return check the agent from chase XXXX Bank stated they never received a check from crescent bank the agent from chase XXXX Bank also stated if XXXX XXXX even tried to send a payment the can see it on my account there no transaction for a check coming in said the agent from chase XXXX Bank. XXXX XXXX has stated they have sent the check to chase XXXX Bank and also I went threw as a payment when XXXX favors made the original payment again they have reversed another payment for today XX/XX/XXXX XXXX
Company Response:
State: TX
Zip: 78641
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My Chase Checking account was " restricted '' with little to no explanation provided by Chase as to why. I was told that I will not have access to my funds pending an account closure review. After visiting the local Chase branch on 2 separate occasions, nothing was accomplished regarding my account. I was told the account would be closed and there will be no appeal process. I have now been told I will be mailed a check with my full account balance as it stands. It has now been 10 days and I have not received a check and I am still unable to access my funds. Chase will not answer me at this point and I need my funds as soon as possible. This is ridiculous and I need a response from Chase. I will be satisifed if my account is closed and the check mailed in full without delay.
Company Response:
State: TX
Zip: 76051
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is about XXXX XXXX XXXX entered with your Company dated XX/XX/2021 and I extended your organization the credit for the account no. XXXX XXXX XXXX XXXX I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ). Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ). According to 15 USC 1602 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. I hereby request you to do the below-mentioned things ; Update my account to paid as agreed and remove it off collections If you accept my request, I will not escalate this matter to Federal Court . In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX Chase bank, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an Open-end consumer credit plan as late for anv purpose.
Company Response:
State: TX
Zip: 77015
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I recently purchased a XXXX and the loan is financed through Chase. I went to enroll my online account and it had incorrect information for my email and cell phone so I could not authenticate online. I called Chase a few days later and they stated they had updated my information ( email and phone ). I tried to pay my bill and I get an error message on the website, I tried for a week to get the website to work, and kept getting the same error message. I called Chase, they said they don't know what the issue is, but she said she reset my account and had me try to login on two different computers, but it did not work. She transferred me to another agent who stated the website was down and try again in XXXX hours. I attempted to login again and have the same message. I called Chase again, they transferred me to the auto loan department that was closed. I called back, and they again transferred me to a closed auto loan team. We had asked to pay over the phone before the transfer and the agent did not offer to process the payment before the transfer. This was on the due date of the loan XX/XX/2022. I had tried for weeks to get everything setup and could not do so. I attempted to login again today and have the same error message. I was able to get to the auto loan XXXX and setup a payment, that is 1 day late at this point. The website still does not work. The agents are still attempting to authenticate me using the outdated data for my phone and email. I don't want this to show as a past due on my account or credit.
Company Response:
State: UT
Zip: 843XX
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A