JPMORGAN CHASE CO.

2019-06-28

Bohemia, NY

Fraud or scam

Money transfer, virtual currency, or money service: Traveler's check or cashier's check

Company Response: Closed with non-monetary relief

Timely Response

2019-06-28

Kiryas Joel, NY

Money was not available when promised

Money transfer, virtual currency, or money service: International money transfer

Company Response: Closed with monetary relief

Timely Response

2019-06-28

Arco, CA

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Complaint: my tenants XXXX XXXX and XXXX XXXX paid me a check for the rent which i deposited to JP Morgan chase bank on XX/XX/2019XXXX amount of the check is {$830.00} and {$240.00}. On XX/XX/2019 chase told me that the check was returned unpaid. chase did not credited my account the amount of check deposited. So i went back to my tenant to collect the unpaid rent, my tenant went to XXXX XXXX XXXX to find out what happen and they said that they paid chase bank. until now we don '' t know were the money is. Iask chase, they don '' t have the money, my tenants ask XXXX XXXX XXXX and they said they pay Chase.
Company Response: Closed with monetary relief

Timely Response

2019-06-28

Belleville, IL

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-06-28

Knickerbocker, NY

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with explanation

Timely Response

2019-06-27

Amelia City, FL

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Closed with explanation

Timely Response

2019-06-27

Allenwood, NJ

Closing your account

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

Company closed your account
Complaint: I was using my chase credit card like a regular credit card one day it just got declined so when i called chase they just told me that they decided to close my accounts and end our relationship with no reason for why it was done.
Company Response: Closed with explanation

Timely Response

2019-06-27

Gilroy, CA

Advertising and marketing, including promotional offers

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

Didn't receive advertised or promotional terms
Company Response: Closed with explanation

Timely Response

2019-06-27

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-06-27

Grosse Ile, MI

Managing an account

Checking or savings account: Other banking product or service

Fee problem
Complaint: I checked my bank account and had an available balance of {$94.00} at approximately XXXX EST on XX/XX/2019. Upon checking my account this morning my account was over drafted with three insufficient fund fees being assessed. When I called to ask how was I assessed these fees on pending transactions, and why the order of the pending transactions continued to change daily, no one could provide an honest answer. I first spoke with XXXX located in a call center in the XXXX, she stated that the transactions that came through were delayed because of the past XXXX XXXX holiday. However, these transactions were made earlier in the previous week. Yet, a check that was just presented potentially on a non-business day, Sunday, or, on the following business day due to the holiday, which would be Tuesday, XX/XX/2019 had cleared within a day. Which has never happened. The checks that I have written in the past to the said entity of XXXX XXXX XXXX XXXX, as well as other checks presented have always taken a minimum 2-3 business days. Yet, this {$160.00} was taken and applied first after several transactions dating back to the previous week. I then asked to speak with a supervisor. I was transferred again to a XXXX call center and spoke with XXXX XXXX. She by her own admission stated that they have an ordering system for transactions and they can and will post items even at XXXX based on their own criteria. Again, I said that if Im being assessed fees for pending items, that I am not being allowed the opportunity to make a deposit or transfer funds into the account before XXXX of that business day which is marketed as a overdraft and debit protection. I called back a third time and spoke with XXXX in a XXXX based call center. She advised me that the bank has no control over when merchants submit ACH automatic debits and for credit purchases, the merchants have 180 days to do so. Again, this is not logical because for all debit purchases require the cardholder to enter their pin, which should equate to the funds being debited IMMEDIATELY. She by her own admission stated that the order sequence is from HIGHEST to SMALLEST transaction. I told her that these were all debit transactions that have been reordered and some were extremely aged from the previous week. I then asked to be transferred to a supervisor in a US based call center. At this time, I was transferred to XXXX. She advised that theyre ordering system starts with the HIGHEST amount transaction per category then to lowest and they can assess 3 insufficient fees per day. This proves that not only does Chase change the ordering system, it is likely they utilize a software program to do so. This is very deceptive in nature. And it greatly benefits Chase to be able to profit substantially in the amount of {$100.00} per account holder per day. This has and remains to be an ongoing issue with this institution in which several class action lawsuits have been brought against for such deceptive and unethical business and banking practices. Chase has simply attempted to find a method that appears to be legal and undetectable to gain profit. Even if doing so on pending transactions which is not only unethical but seemingly illegal. Chase continues to misrepresent their debit protection, overdraft protection, processing times, and processing order. Their processing order overdrafts the account on items that would have more than enough available funds to cover. However, Chase continues to change the order on days old transactions for the potential to have consumer overspend and be manipulated in what their balance truly is. And they have adopted such practices and implemented training to their employees domestically and internationally to deceive the unwitting and otherwise inattentive account holder. Since filing my first complaint, this predatory practice has occurred again on twp separate occasions resulting in an additional 8 fees amounting to {$270.00} on the account. 3 being assessed in the early morning hours after XXXX EST. I checked my bank account and had an available balance of XXXX at approximately XXXX EST on XX/XX/XXXX of 2019. Upon checking my account this morning my account was over drafted with three insufficient fund fees being assessed. When I called to ask how was I assessed these fees on pending transactions, and why the order of the pending transactions continued to change daily, no one could provide an honest answer. I first spoke with XXXX located in a call center in the XXXX, she stated that the transactions that came through were delayed because of the past XXXX XXXX holiday. However, these transactions were made earlier in the previous week. Yet, a check that was just presented potentially on a non-business day, Sunday, or, on the following business day due to the holiday, which would be Tuesday, XX/XX/2019 had cleared within a day. Which has never happened. The checks that I have written in the past to the said entity of XXXX XXXX XXXX XXXX, as well as other checks presented have always taken a minimum 2-3 business days. Yet, this 165 was taken and applied first after several transactions dating back to the previous week. Since filing my first complaint, this predatory practice has occurred again on two separate occasions resulting in an additional 8 fees amounting to {$270.00} on the account. 3 being assessed in the early morning hours after XXXX EST. This again has happened ad of XX/XX/2019 accounting in two additional fees. Chase has not returned ALL of the fees they have erroneously charged my account through means of deceptive business practices and unethical, yet extremely profitable means. My debit card was deactivated due to potential fraud. Upon me attempting to make a deposit into my checking account via the ATM, I was advised that my card was inactive and I was unable to use it at the ATM. At that time, I called customer service and explained this to them. I also asked if this card could be reactivated for the sole purpose of making the deposit. XXXX advised me that this was no possible. I then asked if IF there were ANY transactions coming through the account. She advised me no. I then proceeded to explain to her that I had wanted to make sure because I couldn't make a deposit until the following business day. I specifically asked about checks, and she advised me no. She asked for the amount of the check. She advised she did not see any. I checked my online account at XXXX EST and the account was showing a positive balance. HOWEVER, one again, the check was processed in the late hours of the night, not allowing me the time to make a deposit before the standard XXXX that the customer is deceptively promised. Again, the order sequence was switched to bring the larger transaction through, causing 2 fees. I called customer service and was again transferred to the XXXX. I spoke with XXXX who informed me the information given by XXXX was not correct. I then asked to speak with a supervisor. After being on hold for nearly 15 minutes, I was then transferred to a " XXXX XXXX '' that attempted to reverse the fees and could not. I then went to the branch to make a deposit. On 2 previous complaints, I have specifically requested that am independent review be performed on my account to address how many predatory fees I have been charged. Each time, I would only see credits of the fees being reversed to my account. Yet, they have assessed 5 fees that remain to be refunded. I received a response and two voicemails from XXXX XXXX at the Executive Office in Ohio. Her response DID NOT address any of my concerns. IT merely danced around the issue stating " we've refunded your account '' to provide a " better experience ''. It is unknown why a simple audit by their accounting unit can not be performed as requested. Especially in lieu of past illegal practices adopted and performed by JPMorgan Chase that would result in several class action lawsuits. I would like to know WHY this audit information has not been provided timely.two complaints asking for this information, I am left with no other choice than to assue and believe that JPMorgan Chase is not only refusing to provide me with the documentation of an audit to address the concerns that I have ; and they are doing so with intentions to not address and hide the fact that they are in fact continuing to engage in illegal practices to prey on the account holders for the sole purpose of profit. After making two separate complaints to numerous financial agencies, I would like to know have these very serious concerns gone unaddressed despite 2 representatives at the executive level and three complaint submission. I would again like this all in writing for my personal review as well as legal review. I demand this audit immediately within 15 business days. And that the 5 fees that have not been refunded be done so immediately AS WELL AS ANY OTHER FEES THAT HAVE BEEN ASSESSED TO MY ACCOUNT AS A RESULT OF THIS DECEPTIVE, PREDATORY, AND ILLEGAL BANKING PRACTICE.
Company Response: Closed with explanation

Timely Response

2019-06-27

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-06-27

Hinkley, CA

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: On XX/XX/2019 I noticed 4 transaction on line that did not belong to me. I called Chase and spoke to the fraud dept. but because they where in a pending status which meant they had just happened they couldn't help me so I then went to the bank in XXXX CA spoke to Mr XXXX the Branch Manger and he called and reviewed the file all they could tell me is that I was in Wisconsin at the teller doing the fraud. Which there is no way because I was standing in front of the branch manager in XXXX CA after I saw the fraud online and I reported it to the 800 # and then drove to the bank. So after the transaction went through on Friday at XXXX I recalled the claims dept explained the whole story started the claim for all the fraud. Took about 45minutes on the phone they did not give claim # and they were rude. So to protect myself and get the claim rolling I drove back to the XXXX Chase branch Friday the XXXX to take care of everything in person. Someone wrote a check to me for {$3900.00} they tried to do a withdrawl slip and have the teller only deposit the {$950.00} Check wasnt even signed on the front from the person who wrote it they had no proper ID and check was clearly fraudlent they forged my signature and then the teller let them do 3 separte withdrawals for {$4100.00}. they said account would be frozen but they keep taking money out and on the new account Chase keeps taking the orig fraudlent tranactions out of the new Account so as of today my business is down over {$10000.00}. I have spoken to claims and Fraud and XXXX Branch since XX/XX/2019. No one can answer any of these questions. they are taking deposits and doing them as withdarwals and then just taking withdrawals out that make rhyme or reasons to them and not one person can help. I've tried to escalte call and at the branch to speak to like a district manager but nothing. Chase is too big of a bank to be allowed to behavior in unethical manner.
Company Response: Closed with explanation

Timely Response

2019-06-27

Baldwin, NY

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with monetary relief

Timely Response

2019-06-27

Laguna Beach, CA

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2019-06-27

Co Spgs, CO

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Closed with explanation

Timely Response

2019-06-27

Chicago, IL

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-06-27

Washington, DC

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your report
Complaint: This relates to a credit card with Chase Bank. I was away from home in 2015 dealing with a family member in the hospital. I had cancelled a service Chase offered for a monthly fee by phone as instructed. Chase charged me again for the service I cancelled plus interest and late charges as I did not pay on time because I had not authorized additional charges so thought my balance was XXXX. The total amount was about {$170.00}. I had this credit card with them for about 15 years. I of course paid the small amount even though all of the charges were fraudulent. Chase reported the late payment to the credit bureaus. I made several phone calls and Chase refused to investigate or take any action even though the charges they reported were not authorized. They made it clear they did not care about my long relationship with them - the {$170.00} was all they cared about.
Company Response: Closed with explanation

Timely Response

2019-06-27

Las Vegas, NV

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Company Response: Closed with monetary relief

Timely Response

2019-06-27

Tampa, FL

Closing an account

Checking or savings account: Savings account

Fees charged for closing account
Complaint: I received a promotion offer from Chase in early XXXX ( The offer is explicitly addressed to me ). The offer is to give me {$300.00} for opening a saving account. I brought this coupon to the bank around the end of XXXX. The bank honored the coupon and I opened the account. Sometime in XXXX, I called the Chase customer service regarding this saving account, and was told I could keep this {$300.00} opening bonus even if I closed the account that day as I already kept the balance of {$25000.00} for 90 days. However my account can not be closed via phone, instead he suggested me visit the local branch. On XX/XX/XXXX, I went to local branch ( XXXX XXXX, XXXX, FL ) and expressed my intention to possibly close account, as the previous communication with the telephone banker indicated I would not lose the {$300.00} opening bonus. After we sat down, the banker from the branch closed my account right way without confirming with me. Before she closed my account, she already knew that closing the account would cost me {$300.00}, but she still proceeded without even telling me. She said I needed to keep the account open for 6 months or the opening bonus would be forfeited, which was not mentioned during my prior communication with telephone banker or by her before she closed my account. I requested her to reverse the closure immediately, but she refused, coldly. I asked to talk to the manager, but disappointingly the manager behaved the same : did not show care to his customer, but instead acting like a victor for robbing money from me. They even asked me for my signature, but I rejected as clearly closing the account was not what I wanted to do. I stepped out the branch and called the other Chase branch ( XXXX XXXX, XXXX, FL ) where my dedicated Chase Private Client ( CPC ) banker works. I talked to the manager of the branch, as the CPC banker I worked with was out of office that day, and she agreed to re-open the account for me if I could meet her in the branch. I got there shortly, and met her delegate. Her delegate told me that she was able to re-open my account, and I should be able to see the {$300.00} back to my account in a few days. Couple days after I still did not see the money back and called Chase again to submit a complaint. After that I received a call from escalation team blaming me for using coupons before and as a result they refused to credit me back. Also I was told that my account was not ever re-opened, which contradicted with what I was told on XX/XX/19 in the second branch ( XXXX XXXX branch ). Now I am really concerned with banking with Chase. It is Chase who sent me the coupon to lure me to open the account and it is Chase who agreed to honor the coupon when I initially open the account. And now I am blamed and penalized for using the coupon. To me, it is nothing but cheating. Bank has right to pick its customer, and I, as a customer, have right to decide where to bank. If Chase does have the hidden rule of allowing only one-time use of coupon, it should either not send to the customer who has used the coupon before, or at least not honor the coupon at the time the account is opened. Unfortunately what Chase did was to promise everything when they want your deposit, and recklessly take it away when time comes out. Besides, I have the long-term belief that a good banker would help customer to make the right decision, however now my belief totally collapsed thanks to Chase.The banker I experienced with the other day was apparently doing the opposite : she clearly knew that closing the account is not in the best of my interest, but she intentionally hid the information and made the bad decision on my behalf without my consent. In the following conversation she made up the story and insisted that it was I who requested to close the account, but clearly it does not make any sense. If I did want to close the account, why would I go to the second branch on a hot summer day asking to re-open it? It does not make any sense, using anyone 's common sense. Also the information Chase provided is not consistent and I feel hard to trust any of them. On one hand, I was asked to go to a local branch on a hot summer day and told that my account was successfully re-opened. On the other hand, I was told my account was never re-opened. It makes me really confusing as if they just want to play with me. I have been with chase for over 10 years, and use Chase to manage most of my financial needs. I once had confidence with Chase and decided to move all my money to Chase, and that is why I upgrade to Chase Private Client. However now their deceptive practice totally ruined my trust with Chase. I understand and agree that bank is doing business for profit, but stealing money from its customer is by no means acceptable. I do not want to say this, but the resolution of this issue would help me to decide whether to move all my money into or out of Chase.
Company Response: Closed with explanation

Timely Response

2019-06-27

Manhattan, NY

Other features, terms, or problems

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

Other problem
Complaint: I just received a long notice from Chase USA/JPMorgan Chase detailing all the changes to terms that they are instituting on their credit card accounts. I have concerns. 1. The CFPB states on their website : " Credit card companies must establish procedures to assure that their bills are mailed or delivered to you at least 21 days before the payment is due. '' Chase now states : " Your due date will be a minimum of 21 days after the close of each billing cycle '' Chase can not get their statements sent out until the billing cycle ends ; therefore, anyone receiving their statement by mail will have the time to pay their bill decreased to less than the 21 days. While I realize many people do their payments online, this change, of course, hits all the people with no computers the hardest, the people who can least afford any late fees. ( I assume that is the intention of Chase -- to make more money off those least able. ) 2. Binding Arbitration : Chase is now forcing all clients into binding Arbitration. There is a very complicated way to write to them at a specific place by a specific time including very specific information. I intend to do that, but I noticed that they kept delaying where that information was placed in the brochure, mentioning it twice, but it did not actually show up until a page later. ( Later Chase states that it will be paying all the arbitration fees -- really, whose pocket will the arbitrator be in? ) They also state that if you do not decline this, you can not be part of a class action suit. I realize that Donald Trump nixed the whole binding arbitration legislation that was to go into effect to protect consumers. I PROFOUNDLY OBJECT!!!!
Company Response: Closed with explanation

Timely Response

2019-06-27

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: Chase credit card offers show discounts when buying from a variety of vendors listed on their web/app. I opted for the one offer for 10 % discount when buying from XXXX XXXX. When that discount was not reflected on my statement, I went back to their discounts page and found that customers have to click on a link on each offer to read additional information related to the promotion. On that subsequent page and in very small print, I discovered the offer was limited to a maximum of {$50.00}. Most other offers from this bank prominently show discounts, usually 5 % to 10 %, but until you read the very fine print on a different page, customers discover the offers are topped at a very modest dollar amount, {$7.00} to {$50.00} each. I feel the bank has abused the trust I placed in them.
Company Response: Closed with explanation

Timely Response

2019-06-27

Fort Worth, TX

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2019-06-27

Allen, TX

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Closed with explanation

Timely Response

2019-06-27

South Florida, FL

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your report
Complaint: Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! ACCOUNT NAME : CHASE CARD, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. ACCOUNT NAME : XXXX/XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX ..., REPORTING ON : XXXX, XXXX AND XXXX,
Company Response: Closed with non-monetary relief

Timely Response

2019-06-27

El Portal, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response