JPMORGAN CHASE CO.

2019-08-01

Pasadena, TX

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Company Response: Closed with explanation

Timely Response

2019-07-31

Arco, CA

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: month of XX/XX/XXXX XXXX in fees XX/XX/XXXX XXXX XX/XX/XXXX XXXX in fees Total of XXXX with in 3 months. I work for XXXX and XXXX. You have good days and bad days. Times when 7 rides can be XXXX or more ans some days. 15 rides can only be less then XXXX. So you just cant predict what your making that day. I use my debit card to deposit the money I make daily And so I use it to put gas and to eat. I am constantly using it. If I over draw my account just by 3 fees. Its impossible to be able to Make enough for that day to have enough gas To just be able to cover those fees. So I deposit money in my account but at the same time accumulate more fees because its a hole I am not able to get out of. Its endless fees. I cant just not work to cover the cost of my fees and I cant open a different account to keep working wile paying the fees and keep feeding my self.. And avoid fees. I spoke to chase my situation they basically laughed at me. Because of these fees It eat all of my income. Unable to pay my rent My bills and my car payment. Its unthinkable that a financial institution is allowed to rob. People in this way. Basically taking advantage of people with low income. Its morally and ethically wrong. I called them to please refund me half of it. There excuse was weve giving you XXXX. Its outrageous And insulting to even say that. Trying to justify Why I should be happy with what theyve returned. Its infuriating and appalling. How they dont care and heartless Institution That only cares to take as much as they can And turn around if they just ruined someone life. Your not given much of a choice when it comes to banks that are willing to work with you. If you need a replacement of a card. You cant go to a branch to get one. Now its mailed and Its another way to accumulate those fees wile waiting to card .and extend the charges to different dates to continue to over draft the account. Theyve found ways to be more profitable. Then before just in fees alone. With in 3 months I accumulate XXXX just in fees not including Past years XXXX XXXX XXXX XXXX
Company Response: Closed with monetary relief

Timely Response

2019-07-31

Redlands, CA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: I have an amazon chase visa card. The card is through Chase and the card has a promotional relationship with Amazon. On the website 's reporting online of accounts, there are the following issues : ( 1 ) Chase does not report your statement balance with each transaction, so it is nearly impossible to go back and look at the previous transaction history and determine the balance or to determine reporting errors from a given start date. ( 2 ) When downloading your transaction history in csv from Chase 's website, you can't download the full history. The downloaded transaction history also does not list the statement balance with each transaction. Together, this makes it nearly impossible to reconcile your transaction history. ( 3 ) Chase has " posted transactions '' and " pending transactions ''. They then show the " Current Balance '' at the top of the screen. However, it is possible for transactions not be in either " posted '' or " pending '' but reflected in the " Current Balance ''. Obviously, this can create a large ( and disconcerting ) disconnect between the current balance and the posted/pending transactions. These three issues seem rather simple to fix.
Company Response: Closed with explanation

Timely Response

2019-07-31

CA

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

You never received your bill or did not know a payment was due
Complaint: In XX/XX/2017 I was no longer able to access my Chase credit card online. I reported the problem to Chase and Chase sent me a letter stating that my account could not have online access. However my billing was paperless and I had no way of knowing what was still due on the account. Having no way of knowing was was due or still owed on the account I have been going into a Chase branch and paying {$100.00} or {$150.00} per each month. At this point I might be paying this the rest of my life. I have no paper statement coming to me and no access to online. I have tried to create online access on the Internet again and again but I can not.
Company Response: Closed with monetary relief

Timely Response

2019-07-31

Ocklawaha, FL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: I deposited a check at the chase branch when I got there the teller said the system was down and gave me a XXXX number to call which I did the person at the XXXX number said the system was not down and I needed to speak with the branch manager I called the branch manager and nothing no show of my deposit reflectes on my account I want my money and I would like to close this account ASAP and take my banking elsewhere
Company Response: Closed with explanation

Timely Response

2019-07-31

TX

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Confusing or misleading advertising about the credit card
Complaint: I receive an offer to increase my credit limit and called in, instead of doing online. The person took my income information and asked other questions and stated I would hear back if they had any thing. I explained the letter read it would be instant, he stated he would need my social security number to do that, I asked if this was a credit pull and declined after he told me that is the only way to get instant determination. I called back weeks later and spoke with a manager and she stated the person never submitted the information and it was a time sensitive matter and she would escalated it, to possibly reopen the file. XXXX XXXX from Texas office called me on XX/XX/2019 to inform me he listens to the call and the representative did everything correct. I told him that was bull XXXX, and I was going to file a complaint. My wife receive the same letter and went online and received instant increase. I think Chase was misleading and just collected information from me.
Company Response: Closed with explanation

Timely Response

2019-07-31

TX

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2019-07-31

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with monetary relief

Timely Response

2019-07-31

Atlanta, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: Several items were stolen from my home which includes my XXXX, my cellphone, tv XXXX tablet, debit card. I reached out to chase bank and visited the branch due to these charges that were not authorized by me due to the card not being in my possession. Chase refunded my money and then later denied my claim stating that I did not have a valid proof that my card was stolen. Im unsure of this because If I call and say my things were stolen anything that was done with my card whether In person or online banking can not validate that my card was still in my possession. I have XXXX funds I have kids and bill that has to be payed.
Company Response: Closed with explanation

Timely Response

2019-07-31

South Boston, VA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with explanation

Timely Response

2019-07-31

Quartzsite, AZ

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: My mortgage was paid off on XX/XX/XXXX with Chase. XXXX, my insurance provider, sent Chase my premium refund on XXXX. Chase lost it and did not make me aware that it was received and lost until XX/XX/XXXX. I am continually being told that they are, researching the oversight and i will get a call back. To date, I have received no calls from them and i am calling them for updates on my {$1300.00} missing funds. As a customer, if my payment was missing, they would charge me a fee and demand payment. But they can lose money due to me and there is no urgency, no accountability, follow up, or anything for me! All i get is, we dont know where it is, we saw we got it. We are still locating it! I want my money!
Company Response: Closed with explanation

Timely Response

2019-07-31

Beaver Creek, OH

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Application denied
Company Response: Closed with explanation

Timely Response

2019-07-31

Anaheim, CA

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-07-31

San Francisco, CA

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Closed with explanation

Timely Response

2019-07-31

Naples, FL

Problem with a company's investigation into an existing issue

Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: When responding to Chase 's letter I call and try to discuss the bigotry I have faced, then they warn me they will hang up if I continue to use profane language. I have only used the word bigotry. While bigotry itself is offensive the word is not profane or abusive. If Chase had used the interactive good faith process under the ADA and had accommodated my XXXX this would not be happening. Further when trying to ask how they could accommodate memory XXXX instead of inquiring what would be needed they indicated that they treat XXXX people the same as everyone who is not XXXX. The interactive good faith process would end this. Lastly Chase refused to respond to CFPB complaint id, XXXX
Company Response: Closed with explanation

Timely Response

2019-07-31

Arco, CA

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: On XX/XX/2018 on Thursday. I called chase to request a new debit card I payed XXXX dollar fee. For next day delivery. I work for XXXX and XXXX so when I work i can cash out and continue to work. I was waiting for the card and never got it till the following Tuesday. I was not able to work because being the weekend and unable to deposit the money through the card. It held me back. If you look at my bank statement. I didnt do any deposit till I had the card and continue to work. I paid XXXX. Dollars to get it the next day. I was told later that. Chase has a contract with XXXX. The day is sent out is not considered the first day. Till the following day. I requested the card first day is Friday. Chase does not allow XXXX to deliver on the weekends even though XXXX does delivery on Saturdays. I did not get my card till Tuesday XX/XX/XXXX a hole week went by and could not work because the way they contracted with XXXX. Unlike before you could pick up a new card at there branch. So with that it delays time and with that. Every day that you unable to deposit the money or get paid through the card. Is charged accumulating with no fault of your. Own. On XXXX there was some unauthorized charges on my account I had to close my card on XX/XX/2018. I asked for next day delivery. I tracked the package it was here In XXXX XXXX. And set to be delivered. I waited and waited and nothing. Being the holiday XXXX XXXX it was a good time to work. I called XXXX and assure me it was on its way for delivery on Friday after tXXXX XXXX. It didnt get delivered called Friday Sat and nothing. Thats the day I found out. That XXXX couldnt deliver the package because The way they contract with Chase. The day it leaves there office its not considered the first day its the day after. Being that it was a holiday Thursday. I had to wait for Friday but because Friday is considered 1 day. And holiday and weekend do not count XXXX is obligated to hold the package till Tuesday the following week. I was extremely upset because i payed for next day and XXXX could not Deliver the package because how they contract with chase. Another way to make things hard for customers. And accumulate fees And also As a consumer. This Quick pay with XXXX. In ways is useless and another way to delay the help you may need from a family member. Meany of times I couldnt avoid getting over drawn because. In order for someone to help you with quick pay like XXXX. If its a different branch it has to be in XXXX XXXX pacific time if the same in needs to be in by XXXX or XXXX. For it to clear the same night. To avoid any over draft fees. I dont know why they promote XXXX quick pay and has to be before XXXX. And if its after XXXX It wont post till next day and could not avoid the fees because any help that you may have need has to be before XXXX XXXX pacific time zone or. Why bother asking a family members for hello when regardless your going to get charged fees because it wasnt. Deposit at the rite time I would have to Look through all my statements to find those moments that. I could have avoided the fess is I knew it wasnt going to help me. Its wrong that chase with in 2 months is able to keep out of my money over XXXX Its its robbery in every sense. No financial Institutions should be allowed Charge a customer that amount of money. When knowing there income is low and Is barely making ends meet. No bank Should be allowed to ruin someone Life because of fees. It should Be a red flag that a bank its screwing people money when there profit have been in only fees
Company Response: Closed with monetary relief

Timely Response

2019-07-31

Irving, TX

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Application denied
Company Response: Closed with explanation

Timely Response

2019-07-31

Eureka, CA

Opening an account

Checking or savings account: Checking account

Unable to open an account
Company Response: Closed with explanation

Timely Response

2019-07-31

Managing an account

Checking or savings account: Other banking product or service

Funds not handled or disbursed as instructed
Company Response: Closed with monetary relief

Timely Response

2019-07-31

Eastchester, NY

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Company Response: Closed with non-monetary relief

Timely Response

2019-07-31

Houston, TX

Opening an account

Checking or savings account: Checking account

Account opened as a result of fraud
Company Response: Closed with explanation

Timely Response

2019-07-31

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-07-31

Morro Bay, CA

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Company Response: Closed with explanation

Timely Response

2019-07-31

Mesa, AZ

Incorrect information on your report

Mortgage: Home equity loan or line of credit (HELOC)

Company Response: Closed with explanation

Timely Response

2019-07-31

Lakewood, NJ

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Closed with explanation

Timely Response