JPMORGAN CHASE CO.

2019-05-04

Nyc, NY

Closing an account

Checking or savings account: Checking account

Company closed your account
Complaint: Here 's a chronological description of what happened. On the morning of Saturday, XX/XX/XXXX, I got a call from someone in Chase Bank 's fraud/security office telling me that some suspicious-looking activity had shown up on my debit card. She very quickly went through a list of these charges, around 15 or 20 in total, asking if I recognized them. Most of them I didn't. And most of these unrecognized transactions were payments to XXXX for around {$15.00}, though a few were bigger, including the largest payment for {$210.00} to a cell-phone company that I don't use. I told her that these charges were indeed fraudulent and thanked her for catching them. She reassured me that we wouldn't be held responsible for this activity. Chase would proceed with its usual investigation, she said, and reimburse our account in the meantime. She also said she'd cancel my obviously compromised debit card and have a new one sent in the mail. I felt reassured. On the morning of XX/XX/XXXX, I went through my online list of recent activity and noticed that one unfamiliar charge, for around {$56.00}, had been missed. This transaction was to another cell-phone company that isn't ours for a purchase we didn't make. So I called the Chase Customer Claims office and asked that this charge be added to the list of fraudulent ones. It was in this conversation that I first noticed a Chase employee treating me with suspicion. It didn't help that our phone connection was bad ( or that I'm hard of hearing ). Every Chase employee since then has treated me and my wife with a strong measure of defensiveness, obviously seeing us as having done something wrong. My new debit card arrived in the mailbox on Saturday the XX/XX/XXXX. On Sunday I tried to activate it by phone but, strangely, got an automated message saying that the card was already active. On Monday morning I went into a local branch office here in XXXX XXXX XXXX, at XXXX XXXX XXXX, and asked a teller to activate the card. He told me that the card had been reported stolen and that I should destroy it and request another one. I was in a hurry that day but returned the next afternoon, Tuesday the XX/XX/XXXX. In the interim, my wife had tried to use her debit card ( linked to the same checking account ) and had it declined. On Tuesday two different bankers at the same branch location, one of them an assistant branch manager, informed me that our accounts had been completely frozen by the fraud/security department and that we could not withdraw any money from them -- not from the checking account that had been affected by the hacking, and not from our two different savings accounts. As of this morning, XX/XX/XXXX, we still have received nothing in writing to this effect. We're told that a letter was sent when the freezing took place, but if that's true it hasn't arrived. We didn't have any holdings at any other bank. All of our cash and cash savings was inaccessible to us, with no real explanation and no timeline for resolution. I asked one of the bankers in the local branch if this response seemed as strange to him as it did to me. I've been lucky enough that none of my debit cards has ever been hacked before, but I know cases like this occur all the time. After talking on the phone to the fraud department, he told me, shrugging his shoulders and shaking his head, " No, it seems like they're looking into something else. '' We still don't know what that " something else '' is. On the morning of XX/XX/XXXX, we talked to three or four people after initially calling the Customer Claims hotline again. Finally my wife was able to speak to someone who stated, with more clarity, that a decision had been made to close all three of our accounts. We still could not access any money in these accounts, she said, and could not come to receive a cashier 's check in person. Instead, in 7-10 business days, we should expect a check in the mail ( regular mail! ) in the amount of all of our balances, which will come to a total of just under {$90000.00}. And we are not allowed to open another account with Chase Bank now or in the future. The decision, this person declared to my wife, who was fighting back tears, is irreversible. The only explanation provided was that too many " claims '' had been made on our account of late. The bank treated each of the fraudulent transactions as a separate claim, requiring a separate investigation, and I guess we can understand that 15-20 may seem like a high number. And yet they were all relatively small charges, most of them around {$15.00}, made over a span of a few days -- the time frame, obviously, when the debit card had been hacked. The total disputed amount comes to around {$500.00} : enough to make us want to resolve the problem and re-secure our accounts, sure, but not enough to make us think we were at risk of losing all our cash and savings. The bank 's reaction seems wildly disproportionate, which makes us assume that they've decided we are guilty of some greater misdeed that they haven't named. We can only conclude that they refuse to tell us anything substantial because they are still investigating us. As of the evening of XX/XX/XXXX, our checking account, which had a balance of around {$8800.00}, and a small savings account for our XXXX-old daughter, which had a balance of {$8000.00}, had been XXXX out according to my Chase phone app. The previous balances had been subtracted for a " XXXX Check '' : I assume for the check we must hope to receive by mail. But at that point our savings account, with for us a sizeable balance of {$71000.00}, was still showing up as usual. We took screen shots to verify and can provide them as needed. As of yesterday morning, though -- the morning of XX/XX/XXXX -- that large savings account no longer appeared at all in my online profile. I can not even locate the account history. It's as though the account, with all the cash we stowed away for several years as we prepared to have a child and then became new parents, had vanished overnight. We're told to expect this amount to come by check, in around 7-10 business days. In the meantime we are blocked from almost all the money we have in the world. We can use what little cash we happened to be carrying in our wallets, yes, and the money our parents can try to wire us, and our credit cards. And yet we still have bills to pay. And because our young daughter was diagnosed last month with XXXX XXXX XXXX, we have XXXX and equipment to buy.
Company Response: Closed with monetary relief

Timely Response

2019-05-04

Greenwood, CA

Getting a credit card

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

Application denied
Complaint: I applied for a credit card at CHASE and a hard inquiry was performed on XX/XX/2018. They wanted some more information and sent me a letter in the mail to an address different from the one I was living at. By the time I got home weeks later, the deadline to submit the information asked in the letter had passed. The hard inquiry is still on my record.
Company Response: Closed with explanation

Timely Response

2019-05-04

Washington, DC

Other features, terms, or problems

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

Problem with rewards from credit card
Complaint: I have a Chase Sapphire Reserve credit card, and booked a flight using reward points through Chase 's travel portal ( the flight was a flight from XXXX-XXXX, booked on XX/XX/2019 and scheduled to depart on XX/XX/2019 XXXX. On XX/XX/2019, I received a notification by email from Chase notifying me the XXXX-XXXX flight had been cancelled by the airline. On XX/XX/XXXX, I received an email from Chase notifying me my options were to accept a schedule change for a flight that left several hours earlier, or take a refund. I called Chase on XX/XX/XXXX to request a refund, and received a confirmation email that same day telling me that I would receive a refund for XXXX points to my account. The agent I spoke to on the phone told me to expect the points to be deposited back into my account within 2-3 days. This phone call took 14 minutes. On XX/XX/2019, I had not received the refund, so I placed a phone call to Chase that lasted for 29 minutes as I was transferred between departments. I was told that the refund was going to be processed manually, and to expect the points to be deposited into my accounts within 72 hours. On XX/XX/2019, I had not received the refund. I placed a phone call to Chase that lasted for 57 minutes. A supervisor from within the travel department told me she wasn't sure why the refund didn't go through, but that she was processing a refund, and to expect the points to be deposited into my account within 72 hours. As of XX/XX/2019, I have still not received the points refunded into my account. By not getting the points refunded, I am unable to make new travel plans, which is causing me considerable inconvenience. I have now spent 100 minutes of phone time and 19 days trying to get the refund for a flight that was cancelled by the airline.
Company Response: Closed with non-monetary relief

Timely Response

2019-05-04

Reidsville, NC

Closing an account

Checking or savings account: Other banking product or service

Company closed your account
Complaint: JPMORGAN CHASE BANK , NATIONAL ASSOCIATION had closed out all of my accounts too include my credit card ( s ) and repelled myself permanently from ever having me as a customer, ever again - without any formal indication or adjudication for their action, for no reason, other than pointing out a section in their customer account book, titled : " getting to know your customer ''. When they initially closed out my accounts ; during this time - the same time, I was managing my investments and needed to transfer funds back to the United States. They were the only bank I utilized at the time. However, because of their immediate notice and closure of my accounts I could not make transfer of funds and because of this, I had a net loss of {$100000.00} due to timing of a currency swap. Chase has continuously failed to provide rationale for my immediate account closures and termination of relationship ; in effect, arbitrarily they also refuse up to acknowledge their business practices were not in align with customer relationship models and without reason causing adverse residual effects and subsequently compensate me for my losses of {$100000.00}. Their premature actions, offered little hope or insight and as quickly as they closed my accounts was not enough time to travel and transfer my funds back. Subsequently, I also raised the argument - why if a consumer closes and account by " early termination '' there is an account fee for this, yet, Chase Bank, N.A. has the authority without my cognizance to close out my account in an untimely manner. Even without the opportunity for remediation. I have been attempting to resolve this matter with Chase Bank, N.A. for a number of years and in their last transmittal they were supposed to send out explanation letters - which should contain their direct compensation of damage " Tort '' ( breach ) done, issues. I have been waiting diligently for this and they have failed to communicate and or essentially follow-up to their promises. They never offered me any resolution for any matter which may have been of concern. Compulsively, being ignored. There would be no reason why CHASE BANK, N.A. would have to close out my accounts, I was in good standing and never was late on my credit cards of which I held for a decade or so and paid in full each month. I have had loans in the past from Chase Bank, N.A. all paid back in full. I recently had applied for an XXXX credit card, they sent me a denial letter without reason and refuse to offer any validation other than blacklisting me as a client. The very logic of someone's decision at CHASE BANK, N.A. to quickly terminate my accounts led to grave and severe financial losses, consequently, in which I am seeking full recovery of {$100000.00}. In redress to the Office of the Comptroller of the Currency, CHASE BANK, N.A. dated XX/XX/2018 has voided the issue as if it is moot, in which, in any case, is not. More so over, they have no valid legal argument. They are and have been admitting guilt since the issue originated. More information will be provided at your request. I have evidence to support my claims. CHASE BANK, N.A. must send rationale for their actions to close all my accounts along with their supporting documentation in order to allow me due process for legal proceedings. This matter is not resolved and is valid in continuation for all statues, laws, and court procedures. By not providing any material responses, they are admiring guilt and are willing to pay {$10000.00} in damages to me immediately. My consumer rights were abhorrently and utterly disregarded without any compassion of consumer impacts. CHASE BANK, N.A. has gone further to victimize my spouse by blacklisting her as a client ever again as well, when she also had all her credit card accounts closed out permanently. For no reason given by CHASE BANK, N.A. My spouse was joint listed on the account I had signed up for - they punished her for no wrongdoings in excess of the damages they had done to me. Any and all supporting timelines, proof of losses, the issues leading up are all of record. CHASE BANK, N.A. has gone as far to complete ignore the requests of the Office of the Comptroller of the Currency ( OCC ) and can not validate any reason, under any government law which would supported their activities and actions - and once again, have systematically ignored and overpowered the issue. All matters of contract law, if any would have needed to be validated by CHASE BANK, N.A. in my prior complaints to OCC. All of my consumer rights have been violated, any contract or agreement was voided out by one party without first notifying or acknowledging issues or offering resolutions. The procedures and requirements for account closure were wrongfully executed. Terms and conditions, if any, were all ignored. This also appears to be a matter brought to you by discriminatory actions by CHASE BANK, N.A. against me. CHASE BANK, N.A. instead of rectify the cause, decided to just ignore me as a consumer and all the consequential damages incurred as a result.
Company Response: Closed with explanation

Timely Response

2019-05-04

East Rockaway, NY

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
Complaint: When making a reservation at a XXXX XXXX the Summary of Charges page listed the cost of the room and then indicated that if I applied for a Chase XXXX XXXX Card I would receive a {$200.00} statement credit after my 1st purchase. I reserved the room but no link for the credit card appeared. This was on XX/XX/XXXX. That day and over the next week I made multiple phone calls about the offer and was directed to Chase by the XXXX people and then to XXXX by Chase people. Finally on about XX/XX/XXXX I got a gentleman from Chase on the phone. I had printed out the summary page for my records and I photographed it and sent it to him. He then advised me to cancel the reservation and then to remake it which I did. He then took me step by step through the application process but it came up for the one that requires you to spend {$5000.00} and get miles. The one that had gotten me to apply had the {$200.00} statement credit & waived the {$95.00} fee for one year. When I mentioned this to him again ( I had led with this when he first picked up ) he stated that once I had applied and was approved he would go in ( to the computer I assume ) and get the offer I was referring to. I of course wasn't wild about that as I noted that it would be a week or so before I was notified by mail and he advised that was correct but that he could go in right away to check. As my credit score is between 805 & 815 depending on the agency I foresaw no problems and was shocked when he got back on and advised I had been turned down for the card. As obviously if there was no card there was no offer I thanked him and waited quite curiously for notification of why I was turned down. Lo and behold, last week I got the card in the mail, obviously I was not turned down. I made sure I would qualify for the offer I had for the card that day or the day after by making a small charge and called Chase the next day and again told them the exact story I am relating to you and offered to send them the pix of the Summary Page that I had previously sent to their phone employee. They declined, and after speaking to a supv they refused to honor the offer insisting instead on the {$5000.00} charge for miles which I had no interest in. Then lo and behold I received a bill almost immediately for the $ 50+ purchase I had made and Chase had added on the XXXX XXXX XXXXearly charge which of course was waived under the offer that lured me in. I again called and again Chase refused to honor their original offer insisting I applied for the other offer which I have to admit is technically true as I did so under the guidance of their employee who was supposedly going to rectify the situation but instead falsely claimed my application had been denied. This is where we presently stand. As far as I am concerned this is a classic case of bait & switch. Personally I don't need the card as I have more credit than I actually need but at this point I haven't told them to cancel the account as it has become a matter of principal that I be given the original offer.
Company Response: Closed with explanation

Timely Response

2019-05-04

Chicago, IL

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: Chase Bank is a disaster in many ways. I wanted to buy a condo, and submitted that request to Chase and 3 other institutes for loans. When I received a better deal than Chase offered, I did not continue with them and made it clear that I received a better deal. After all the paperwork and promises, they had the nerve to send me a letter stating they are turning down my request for a mortgage! I turned them down, they didn't turn me down, and they can't make it appear that they did so, as I was accepted elsewhere, my credit is excellent and I have a 100 % quick payment of bills record. I don't want their letter on an record of mine, and the fact that they sent it is fraudulent, along with the fact that I turned them down. This has been going on since XXXX of this year, and I just received their refusal letter. Thank you. XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-05-03

Fleetwood, NY

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-05-03

Ocklawaha, FL

Getting a credit card

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

Application denied
Complaint: I have applied several times for a Chase Bank United Airline Credit card and have been denied. Chase claims the denial is based on my having received too many credit cards in the past two years. However, Chase has issued two credit cards to my husband during the same period. I have had three credit cards issued in the past two years and my husband has had four credit cards issued during this same period of time, so the issue of too many credit cards being issued in the past two years does not appear to be a reason evenly applied to all applicants. My Credit Score if around 760, with no other disqualifying information. This appears to be a case of gender discrimination.
Company Response: Closed with explanation

Timely Response

2019-05-03

Sun City, AZ

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-05-03

Delray Beach, FL

Trouble using the card

Credit card or prepaid card: Gift card

Trouble using the card to spend money in a store or online
Company Response: Closed with explanation

Timely Response

2019-05-03

Orion Twp, MI

Opening an account

Checking or savings account: Checking account

Unable to open an account
Complaint: HI, I HAD ACTIVE ACCOUNT WITH CHASE BANK FOR SO MANY YEARS WITH NO PROBLEM, UNTILL LAST XX/XX/2018, MY CHECKING ACCOUNT WAS CLOSED BY THE BANK.AND GAVE ME CHECK FOR THE BALANCE OF {$16000.00}. I DID NOT HAVE ANY BOUNCE CHECK OR ANY SUSPICIOUS ACTIVITY. AT THE SAME TIME I HAD SECURITY CLEARANCE FROM THE XXXX XXXX XXXX. SINCE THEN I AM TRYING TO OPEN ACCOUNT AGIN, BUT CHASE BANK KEEP DECLINE MY REQUEST, I WAS TOLD THEY HAVE THE RIGHT TO DO THAT WITHOUT SHARING INFORMATION WITH THE CLIENT. ALSO I WAS TOLD I AM RESTRICTED FOR LIFE FROM OPENING CHECKING ACCT WITH CHASE ( FOR LIFE ) .CAN YOU BELIVE THIS FOR LIFE. ON THE OTHE HAND LOOK AT THE CRIMINAL WHO COMMIT MAJOR CRIME AND THEY GET PUNISH FOR # OF YEARS, IS THIS HOW THE DEMOCRACY WORKS? ARE WE LIVING IN THE BEST COUNTRY IN THE WORLD OR THE RICH BANKS AND BIG GUYS SUFFOCATING AVREGE PEOPLE LIKE ME.
Company Response: Closed with explanation

Timely Response

2019-05-03

Jacksonville, MO

Closing an account

Checking or savings account: Checking account

Funds not received from closed account
Company Response: Closed with explanation

Timely Response

2019-05-03

Brooklyn, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-05-03

Roseburg, OR

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

2019-05-03

Chicago, IL

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

2019-05-03

Sunbury, OH

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: This is the second complaint with the same issue with Chase Bank. I think a month and a half is more than enough time for XXXX XXXX from their executive office to research this. As of today, they have taken my XXXX XXXX check from XXXX XXXX XXXX XXXX because of their bank error. I am about to hire an attorney.
Company Response: Closed with monetary relief

Timely Response

2019-05-03

Milwaukee, WI

Fraud or scam

Money transfer, virtual currency, or money service: Mobile or digital wallet

Complaint: I hold an account with Chase Bank and am encouraged to use XXXX payment system. When using, there is NO consumer information stating that you should only use with trusted sources. I made a payment and it was received by a " scammer ''. Chase and XXXX have the information of the person that falsely took my money and refused to contact the other bank and retrieve my funds. I sent {$300.00} by XXXX on XX/XX/2019 to XXXX I have the cell number of that person as XXXX I tried to stop the payment but Chase and XXXX said with " realtime '' they were unable to help me. The transaction number was We sent money from TOTAL CHECKING ( ... XXXX ). Print this activity Email address XXXX Transaction number XXXX I then sent a request to return my funds ; Email address XXXX Date requested by None Date declined on XX/XX/2019 Declined reason None I have also made a report with the XXXX Police Department I was told that the same people and email have collected many fraudulent funds. How is their account and email able to have XXXX if it's theft? When I asked, no one could answer. There was no warning and no other " disclaimer '' on payments
Company Response: Closed with explanation

Timely Response

2019-05-03

Columbus, OH

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Complaint: Attempted to buy tickets to a hockey game and the seller was scamming us. Chase allowed for us to transfer {$220.00} to his/her bank account and also have him request {$220.00}. This all happened within minutes of each other. Once we learned it was a scam we attempted to have the bank cancel the transactions but it was too late. The payments were made through XXXX. I just wish there was more that could be done to revoke payments after the fact or that Chase would have found the activity of two exact payment amounts suspicious and called to verify if both were legitimate. These transactions happened on XX/XX/2019.
Company Response: Closed with explanation

Timely Response

2019-05-03

South Bend, IN

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-05-03

Las Vegas, NV

Incorrect information on your report

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

Information belongs to someone else
Complaint: Chase XXXX Reward card was activated in my name without my consent. Card # XXXX Phone # XXXX. There was also {$49.00} billed to the card. I have called the credit provider several time over the last month & no one will address my concerns. The address used by the person who activated the card was : XXXX XXXX XXXX XXXX XXXX, Co. XXXX
Company Response: Closed with non-monetary relief

Timely Response

2019-05-03

East Troy, WI

Opening an account

Checking or savings account: Checking account

Unable to open an account
Complaint: I tried to open an account at Chase in XXXX and had deposited over XXXX $ and was successfully opened. I then had received a phone call two days later saying they have to close my account. They had said the back office had closed it even after it being opened. They said it was suspected fraud due to previous account. I had a Chase Account probably in XXXX. I had received a check which later turned out to be a fake check. This was not my fault but not they are not letting me open an account due to something I did not do.
Company Response: Closed with explanation

Timely Response

2019-05-03

Mabank, TX

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: I have provided everything the lender has asked me to do and they won't review my loan for mortgage assistance.
Company Response: Closed with explanation

Timely Response

2019-05-03

Dallas, TX

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: I have a business account with a large bank outfit for 6 years in that time with daily deposits, the bank 's matrix has siphoned over {$18000.00} per year annually on average in un stoppable spiraling effect that know matter how many balloon payments I submit I always return to the same situation. It has been the only glitch on my efforts in business. I modify the expenses as much as I can and I never see it improving. This excessive charges have also resulted in numerous late fees in other areas of business due to the stress on the cash flow. I need help. I pay all expenses with cash with very little debt as of today. There is pending system they operate between XXXX and XXXX each day that allows them to play with my daily deposits and transactions. There is a great deal of statements to review If we are to move forward I will furnish them upon written request,
Company Response: Closed with monetary relief

Timely Response

2019-05-03

CT

Incorrect information on your report

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

Account status incorrect
Complaint: I have contacted JP Morgan Chase as well as XXXX Credit Reporting about a Chase Credit Card that I closed in XXXX of 2018. For some reason, on XXXX ONLY ( out of all 3 credit bureaus ) XXXX is reporting that I have 3 Chase Credit Card Accounts. TWO OF THOSE supposed " credit card accounts '' have the EXACT SAME ACCOUNT NUMBERS. One of those accounts, shows that the balance is paid in full and closed. The SECOND CREDIT CARD ACCOUNT, AGAIN WITH THE SAME EXACT CREDIT CARD NUMBER IS SHOWING AND CONTINUES TO SHOW THAT I HAVE AN OUTSTANDING BALANCE OF {$6800.00}. WHICH IS A TOTALLY FALSE STATEMENT. Despite my making disputes with both CHASE and XXXX, as of TODAY, this still shows as an open debt of {$6800.00}. and it is showing that I am continuing to use 159 % of the available credit to me. HOW DOES THIS CONTINUE TO GO ON? IT HAS BEEN 6 MONTHS OF XXXX. I CAN NOT REFINANCE MY MORTGAGE. I AM FULLY PREPARED TO SUE BOTH CHASE BANK AND XXXX IF NECESSARY.
Company Response: Closed with non-monetary relief

Timely Response

2019-05-03

Lafayette Hl, PA

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