JPMorgan Chase &

Review: my name is [redacted] I wrote you all about a month ago regards to soe fraudluent transactions made on my chase account. Unforntunately I was a victim of identity theft someone stoled all my information. I emailed you all, everything was credited back to my account and after that I was happy with then outcome. The account still ended in the negative. I have paid my negative balance and now the branch is refusing to let me open an account. I think that is wrong after all that I have been through. I have been going through this for a month now and the problem still havent been resolved. its so unfair that after someone stoled from me and went and made fradulent transactions on my account I have to be punished for it and not be able to have an account. why am I being punished for someone else's actions. I have been banking with chase for almost a year now and this is the thanks I get. something needs to be done. all I want is to be able to open up an account or have im current account reopened.Desired Settlement: account reopened and can open up another account

Business

Response:

This e-mail is to acknowledge receipt of your correspondence from [redacted], Complaint No. [redacted]. Chase takes consumer feedback very seriously. We have fully reviewed this matter and a detailed response was provided verbally to the consumer on November **, 2013.

In order to protect consumer privacy, the consumer has been advised they have the option to share the response directly with you. If you have any questions or concerns, I may be reached at ###-###-####, ext. [redacted].

Sincerely,

Chase Executive Office

Review: First off I had two accounts with this bank. My personal account had some fraud activity within the account which caused my account to go negative. I contacted the bank and fled the appropriate paperwork. which they then filed and fixed my account at a later date they allowed the same company to withdraw the money out again which again make my account negative. At this point in time they charged off the account and reported to chexsystems. This is not a fair practice and they did not help me within the fraud guidelines within my account.

the second account which is my business account has been closed also for a risk factor. They can not give me a reason for the risk, they wont explain to me the issue why. I feel like im being discriminated against for their errors. I am a small business and feel like I am being used to hide the mistakes they have made.Desired Settlement: I want them to fix my personal account and get it back to zero and keep it closed in good standing not a negative standing and I need them to fix the checksystems reporting and get that erased off my identity. I should not be punished for fraud and their mistakes in fixing them.

Consumer

Response:

At this time, I have not been contacted by JPMorgan Chase - Executive Office regarding complaint ID [redacted].

Sincerely,

Review: We are disputing an ATM transaction at JP Morgan Chase Bank on 08/**/2013 at [redacted]. The transaction was for $760 (ATM [redacted] Sequence # [redacted]). When attempting to withdraw $760 from a JP Morgan Bank ATM in Las Vegas the money spun around like it was going to give me the money and actually asked me to take the money, but there was no money to take (the doors where you take the money never opened with the money). Then the ATM screen read, "We apologize for the inconvenience, but your transaction cannot be completed at this time." Then a receipt spit out of the machine reading, "Transaction Denied." I then went to 3 other banks to try to withdraw the money just thinking the ATM may have been out of money, but all the other banks said that I had insufficient funds. At that point I figured it was a little odd what had happened at the Chase bank ATM, so I called them to inquire about the situation. Chase bank told me that because I am not a Chase Bank customer they could not help me with my issue. They told me I needed to call the bank my card is through and resolve it with them. That is when we called [redacted] (the bank/company our debit card is through) to try to figure out what was going on with our money, and we figured out that back at that Chase Bank the transaction was "Accepted" on [redacted]'s side even though I didn't receive the money and received a Denied message on my end. My first thought was that this should be a simple enough fix since I had a receipt indicating "Denied" for the exact day/time/amount/transaction as [redacted] had an "Accepted" on their end. I was wrong... [redacted] told us that we had to wait 3-5 business days because our ATM transaction with Chase Bank was actually still pending, but as soon as the transaction fully processed (or reversed and showed as denied) they would call us back to move onto any next steps. Today we found out from [redacted] that the transaction was fully "Accepted" and went through, so Chase Bank officially "took" our money that we never got from the ATM. We have spent hours trying to resolve this issue. We have talked with bank tellers, assistant branch managers, the ATM company, and [redacted] to try to resolve this issue as quickly as possible, but Chase Bank seems to be making a quick resolution impossible. Chase Bank won't refund the money or look into the situation because they said another company is in charge of their ATMs. We received that company's phone number and tried to talk with them about it, but that company wouldn't even talk to us or [redacted] because we aren't Chase customers. When we let Chase Bank know that their ATM company wouldn't talk to us or [redacted] they let us know we have to file a dispute with Mastercard. That is when our [redacted] representative decided there was going to be no quick resolution to this issue either and told us we need to file a formal dispute which he had been trying to avoid. Since we did have to end up filing the formal dispute It is now going to take up to 45 days to have this resolved and $760 is not an amount of money we can easily go without. We were taking that money out of our [redacted] account to put in our Las Vegas bank in order to pay bills that we have now not paid. On a side note, [redacted] has been wonderful to deal with through this matter. They have responded to us very quickly and have been working to resolve this issue with us all day. They have been on numerous conference calls trying to get Chase bank to talk with us and come to a quick resolution (unsuccessful of course). Thank you for your assistance in resolving this matter.Desired Settlement: We are looking to get our $760 back plus interest and fees. We are not a bank and can't afford to give out a loan for over 50 days.

Business

Response:

This e-mail is to acknowledge receipt of your correspondence from [redacted] – Case No. [redacted]. Chase takes consumer feedback very seriously. We have fully reviewed this matter and a detailed response has been mailed directly to the consumer on August **, 2013.

In order to protect consumer privacy, the consumer has been advised they have the option to share the response directly with you. If you have any questions or concerns, I may be reached at ###-###-####, ext. [redacted].

Sincerely,

Executive Office

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

On September **, 2013 I was informed that our case against Chase Bank was closed due to not responding within 6 days. I was on vacation, but am now back, and asking that you reopen the case.

Attached you will find 5 documents. There are three letters from Chase Bank responding to our complaint, one letter from [redacted] responding to Chase Bank's letter dated August **, 2013, and a letter from me authorizing Chase Bank to respond directly to the Revdex.com with any further correspondence regarding this case.

In addition to the letters attached, I would like to add a few things myself. I am extremely disappointed in the lack of response and responsibility Chase Bank is taking in regard to my complaint. Although they have responded in writing to my complaint three times, all three letters basically state there is nothing further they can do for me.

My wife worked at 2 separate banks as a bank teller for 5 years and I know there is almost always something that can be done to speed up a process and make a customer happy if they want to. At the banks my wife worked at, the ATMs were balanced once a week and if there was ever a complaint that the ATM didn't give somebody their money or gave them an inaccurate amount of money they would go out to the machine and balance it (this only happened once in the 5 years she worked there and it ended up being a misunderstanding, not a glitch in the machine).

Furthermore, Chase Bank indicating they cannot help me because their ATMs are monitored by another company is not acceptable to me. Either have the third party come out and balance the machine, receive authorization from the third party to balance the machine, run and monitor your machines yourself, or have a better process in place to begin with.

I also do not appreciate the sense of me being an inconvenience to Chase Bank. Chase Bank has largely inconvenienced me and my family, not to mention took an interest free loan from us. So the letters indicating, "I recognize we have previously responded to you," or "we must now inform you that we will not respond to any further correspondence from you" is extremely disrespectful in my eyes.

Finally, Chase Bank has tried to put this off on [redacted] from the start and I am not one for playing the blame game and not accepting responsibility. [redacted] is not the company that didn't dispense our money, they are not the company that decided not to balance their ATM in order to try to resolve our issue more promptly, and they are not the company that has chosen to tell us numerous times there is nothing further they can do for us. They are, however, the company that sat on the phone with us for 2 hours the first day we contacted them and sat on conference calls with various Chase Bank representatives to try to figure out what happened and get the quickest resolution for us. They are also the company that responds to all our questions within hours and gives us the facts as they are.

In Chase Bank's letter to me dated, August **, 2013, Chase Bank indicated they had dispensed our money back to [redacted] on August** 2013 (the day our issue with them began). However, not only is this not the correct date (they actually dispensed the money on August **, 2013), but they also failed to let us know that [redacted] would have a 45 day hold on the funds because Chase Bank could reverse the disbursement at anytime within that 45 day window. Furthermore, it took Chase Bank until August **, 2013 to even bring to our attention that funds had been disbursed even though we have been trying to figure out what is going on since August ** 2013.

I do understand that in Chase Banks eyes we are not their customer, however, we have spent hundreds of dollars on ATM fees at their bank (which we will never use again), and anybody is always a prospective customer and should be treated accordingly. Honestly we have been looking into opening a bank account that is more nationwide and were very interested in Chase Bank, however, after this experience we will no longer consider Chase Bank, nor will we ever recommend them to anybody else.

I honestly do hope that even if I do not receive the outcome I am looking for in my situation that after my experience, Chase Bank re-evaluates their processes as well as their customer service and response strategies. I wish my experience on nobody else.

Sincerely,

Business

Response:

This email is to acknowledge receipt of your correspondence from [redacted] - Case ID # [redacted]. Chase takes consumer feedback very seriously. We have fully reviewed this matter and detailed responses have been mailed directly to the consumer on August **, 2013, August **, 2013, and September **, 2013. Therefore, please note there will be no further response to the consumer regarding this issue.

In order to protect consumer privacy, the consumer has been advised they have the option to share the response directly with you.

Sincerely,

Executive Office

Review: My computer was having problems while I was searching [redacted] for cheap hotel rooms. Somehow, between pages, I ended up booking a hotel that I did not want. I did not realize this booking until a few days after when I received an email about it. I called [redacted] that evening, and they absolutely refused to refund my money. So I called Chase and filed a claim with them. They immediately credited my account $215.33 on 3/**/2015. I repeatedly asked the gentleman I spoke with how long it would take for a response, and he rudely, and repeatedly responded they would know within 24-48hours. I asked him this many times, and every time, I got the same answer, 24-48hours. I did not hear ANYTHING from Chase bank since the initial email confirming my claim. After 5-7 days, I had not heard anything and figured all had gone well. Now, a month and half later, Chase is telling me [redacted] has also refused them to refund the money, and since my computer messed up, they are considering it an INTENTIONAL purchase and they will be withdrawing the $215.33 from my account. This was almost 2 months ago, I have not financially planned for such a withdraw from my account. Had they told me it could take this long, the money would have sat there, however, they did NOT keep in contact with me and I was repeatedly told they would know the outcome in 24-48 hours. This whole thing was not my fault to begin with, and I do not believe I should be charged the $215.33 this long after filing my claim and receiving the money back.Desired Settlement: My desired outcome is that Chase does NOT withdraw the $215.33 from my account.

Business

Response:

This e-mail is to acknowledge receipt of your correspondence from [redacted] – Case No. [redacted] Chase takes consumer feedback very seriously. We have fully reviewed this matter and a detailed response was provided verbally on July *, 2015. In order to protect consumer privacy, the consumer has been advised they have the option to share the response directly with you. If you have any questions or concerns, I may be reached at ###-###-####, ext.[redacted]. Sincerely, Jonathan D[redacted] Executive Office This transmission may contain information that is proprietary, privileged, confidential, and/or exempt from disclosure under applicable law. If you are not the intended recipient, you are hereby notified that any disclosure, copying, distribution, or use of the information contained herein (including any reliance thereon) is STRICTLY PROHIBITED. If you received this transmission in error, please immediately contact the sender and destroy the material in its entirety, whether in electronic or hard copy format. Although this transmission and any attachments are believed to be free of any virus or other defect that might affect any computer system into which it is received and opened, it is the responsibility of the recipient to ensure that it is virus free and no responsibility is accepted by JPMorgan Chase & Co., its subsidiaries and affiliates (collectively, "JPMC"), as applicable, for any loss or damage arising in any way from its use. Please note that any electronic communication that is conducted within or through JPMC's system is subject to interception, monitoring, review, retention and external production; may be stored or otherwise processed in countries other than the country in which you are located; and will be treated in accordance with JPMC's policies and applicable laws and regulations.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

Chase has told me I must take my complaint to [redacted] to get a resolution. Mr. D[redacted] has spoken with another department and they refuse to come to any resolution in my favor for this case. I will be taking my complaint to [redacted] in hopes that someone can help me out with the problem.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.Sincerely,[redacted] %

Review: I was a [redacted]) customer whom was switched to being a Chase customer in 2008 when Chase purchased [redacted]. During the switch, Chase did some complex behind the scenes activities to switch me to a new Chase account from my [redacted] account. There are many un-described fund transfers that were occurring between my old [redacted] account and my new Chase account. I can no longer view the detail of my [redacted] account, and can only view the un-described descriptions on the Chase account. I called Chase and was told that they could not tell me what the charges were for over the phone and that I could be helped at a local branch. When I went into the Chase in Auburn, the young [redacted]er attempted to mislead me several times and was not able to help. Some of the information the [redacted]er expected me to believe was insulting to my intelligence. There is a charge on my account for $260.00 on 08/**/2008 described only as "OLB TRANSFER TO [redacted]". There are many charges/credits with similar descriptions around this time period. I suspect that this specific charge is my auto-loan payment and was never paid. I ended up paying many hundreds of dollars extra on my auto-loan because this payment was not sent to my auto-loan financer Wachovia Dealer Services (per Wachovia). I did not notice the August 2008 payment was not credited until recently when my car loan extended several months past when it should have completed.Desired Settlement: I would like the details of my transaction from 2008 along with official proof that it was paid to the payee. I would expect this from any financial institution and do not understand why it has been so difficult for Chase to provide.

Consumer

Response:

[redacted]

At this time, my complaint, ID [redacted]regarding Chase [redacted] has been resolved.

(By clicking "OK", your complaint will be closed as Resolved.)

Sincerely,

Auto Finance Review (Lease to Buy)

First I had to make a checking acxount with them and it is all up for taking your money (with highest manipulative skills that are unethical and unreasonable). They are very diligent about taking service fee when your balance does not meet criteria even for a few hours (and even after I spoke to a representative that day and confirmed that fee will be waived because I made deposit that day to meet the criteria.) Watch your account carefully.

Also, they do not let you know about the CA TAX where your need to do your own research. (It was hell between poor customer service by Chase and long waits and DMV to get nothing resolved for a few months. I went to DMV 4 times because of Chase' poor communication and lack of knowledge/no follow-up (with excuse that the representative was out of office for weeks ? Really? ) You have to chase them down to talk to moderately okay staff but I guess that does not matter because they end up not helpful after all. Do your research thoroughly with rates and customer service. Save the headache by not using this company.

Review: I called to get a "quick deposit" issue fixed that prevented me from depositing a check to my checking account that I have always been able to do. The rep told me it was all an "automated process" and there was nothing she could do and hung up.Desired Settlement: I want the ability to deposit checks into my checking account like I have always been able to.

Business

Response:

This e-mail is to acknowledge receipt of your correspondence from [redacted] – Case No. [redacted]. Chase takes consumer feedback very seriously. We have fully reviewed this matter and a detailed response has been mailed directly to the consumer on June **, 2014.

In order to protect consumer privacy, the consumer has been advised they have the option to share the response directly with you. If you have any questions or concerns, I may be reached at ###-###-####, ext. [redacted].

Sincerely,

Review: Chase spaces our the processing of charges to ensure that overdraft fees are collected. They process charges days after they are received, and puposefully provide inaccurate information on your account. You'll make a purchase on a monday, they wont processes it for days and based on that processing date, you do not have funds to cover the transaction, at which point they hit you with a $34.00 insufficient funds fee. Since their ability to charge these fees were limited by the government, they're finding ways around the maximum fee rules by spacing out the charges so that they can charge the max fees over the course of multiple days, circumventing the spirit of the legislations passed against them for taking advantage of customers.Desired Settlement: I'd like for an invesigation to be initiated to examine their practices in this regard. They are taking advantage of customers and lying to them. They are intentionally and maliciously taking advantage of the 'little guy' bc we have no recourse to fight against them, and finding ways to collect these fees in direct opposition of the spirit of the legislations passed against them. I'd like an investigation into the transaction processing times for purchases, and why they take so many days and different lengths of time. I'd like refunds on the fees they've charged me, which amounts to hundreds of dollars.

Business

Response:

This e-mail is to acknowledge receipt of your correspondence from [redacted] – Case No. [redacted]. Chase takes consumer feedback very seriously. We have fully reviewed this matter and a detailed response has been mailed directly to the customer on April **, 2014.

In order to protect consumer privacy, the consumer has been advised they have the option to share the response directly with you. If you have any questions or concerns, I may be reached at ###-###-####, ext. [redacted]

Sincerely,

I placed a stop on one of my checks and Chase charged me a 30$ fee to do that, then failed to stop the check and doesn't want to refund my money.

Review: I deposited cash into the atm but was never credited. The bank claims I never made the deposit because there was no monetary proof and so they refuse to credit my account. I have now filed a police report but was told it was a corporate issue and that I could not be helped, according to an officer. The bank sees it as a criminal matter and thus denies any help as well. I now requested the help of a detective in order to view video surveillance but the process has gone nowhere.Desired Settlement: DesiredSettlementID: Refund I would like for someone of authority to view the footage and see my deposit. If they continue to not cooperate I would like to proceed the case with an attorney.

Business

Response:

This e-mail is to acknowledge receipt of your correspondence from [redacted] – Case No. [redacted]. Chase takes consumer feedback very seriously. We have fully reviewed this matter and a detailed response has been mailed directly to the consumer on September **, 2013.

In order to protect consumer privacy, the consumer has been advised they have the option to share the response directly with you. If you have any questions or concerns, I may be reached at ###-###-####, ext.[redacted].

Sincerely,

Executive Office

Review: In early July 2013, there was a charge from [redacted] on my bank account that I did not make/purchase. I called Chase to dispute of the charges and they gave me a temporarily credit for the charged amount. A couple weeks later, I was informed that they denied my dispute and so I took matters into my own hands and called [redacted] myself. I talked to their security department and they informed me that the item that was charged on my account was shipped to South Carolina. I immediately called Chase and informed them of my findings and I told them I would like to appeal my dispute and for them to re-investigate it. I was told to wait 7-10 business days for them to review my case. I called on the 7th day to get a status update and they inform me that they are still reviewing the case and they will call me on the 10th day, Monday July [redacted]. Today, August [redacted], I called Chase again and they told me the case was JUST processed/opened today. I asked to speak to a supervisor/manager to voice my frustration about the delay and to ask why I was initially denied my dispute. He informed me that the investigation team denied my claim based on my "regular spending habits." My complaint to Chase is that they should complete a thorough investigation, such as contacting the merchant, before making any dispute judgement. It took me all but five minutes on the phone with [redacted] to have them tell me about the shipping address of the charge. Why couldn't Chase do that first instead of basing the claim on my spending activity? Also, I would also like to make a complaint about that. Making frequent online purchases is not a justifiable reason to deny a dispute for a online charge. Does that mean I should not make anymore future online purchases to prove that it is not me making those charges? I would also like to make a complaint about how I was assured to be contacted in the specific time frame but it was I who had to repeatedly call them.Desired Settlement: I would like to be credited my money back and a formal apology from their investigation team.

Business

Response:

This e-mail is to acknowledge receipt of your correspondence from, [redacted], Complaint No. [redacted]. Chase takes consumer feedback very seriously. We have fully reviewed this matter and a detailed response has been mailed directly to the consumer on August *, 2013.

In order to protect consumer privacy, the consumer has been advised they have the option to share the response directly with you. If you have any questions or concerns, I may be reached at ###-###-####, ext. [redacted].

Sincerely,

Executive Office

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

As of this moment, Chase has concluded that the charge on my account was unauthorized and have credited my account of the disputed amount.

However, my complaint is still firm against Chase. I am unsatisfied with the lack of due diligence of their investigation to thoroughly research the disputed charges when it was initially brought to them. Like I have mentioned in my complaint, I had to conduct my own investigation and it only took me a short phone conversation with the merchant about the charge to prove that it wasn't shipped to me.

This is not the first time I've been in this situation with Chase. In June 2011, I had a similar charge was made to my account that I did not make. I disputed the charge with Chase and they also denied my claim. Again, I had to do the leg work myself and got the purchasing information from the merchant. I presented Chase with my findings and only then did they credited my account back.

If I were ever in this situation again, I believe I will possibly go through this process again where my claim will be denied, I will have to talk to my merchant/vendor myself, present the evidence to Chase, and then finally be credited. That is my impression of Chase in regards to their claims department and their team's integrity.

Sincerely,

Business

Response:

This e-mail is to acknowledge receipt of your correspondence from [redacted], Complaint No. [redacted]. Chase takes consumer feedback very seriously. We previously addressed this matter in writing with the customer on August *, 2013 and August **, 2013. We have fully reviewed this matter and a final response has been mailed directly to the consumer on August **, 2013.

In order to protect consumer privacy, the consumer has been advised they have the option to share the response directly with you. If you have any questions or concerns, I may be reached at ###-###-####, ext. [redacted].

Sincerely,

Chase Executive Office

Review: Refusal to act upon a received and acknowledge Swift Message. On Monday morning at 0551 AM, our bank, [redacted], issued an [redacted] to JP Morgan Chase, with Chase as the intermediary bank, and with the request to forward on the [redacted] WITHOUT any banking responsibility to [redacted] in Europe. Chase has acknowledged receiving the message, but has stated they will not participate as an intermediary bank if they can not be part of the transaction and benefit from it financially. When I informed [redacted] that the [redacted] would be issued to Chase, he said fine, but we still will not pass the [redacted] on. Chase has received the message, they refuse to reject the message, and they are refusing to pass it on, which means that our message is stuck. This is a very large transaction, and due to Chase's failure to act either by rejecting or passing the message along, we are now responsible for penalty payments.Desired Settlement: I would like a response from Chase as to why they refuse to act as an intermediary bank for this transaction, however, they have no problem requesting that other banks such as [redacted] act on their behalf as an intermediary when I need to conduct Swift transfers into Europe from my Chase account.

Business

Response:

This e-mail is to acknowledge receipt of your correspondence from [redacted] - Complaint No. [redacted]. Chase takes consumer feedback very seriously. We have fully reviewed this matter and a detailed response has been mailed directly to the consumer on July **, 2013.

In order to protect consumer privacy, the consumer has been advised they have the option to share the response directly with you. If you have any questions or concerns, I may be reached at ###-###-####, ext. [redacted].

Sincerely,

Review: I lost my debit card on Sunday, and I called chase customer service right away I spoke to a Daniel and he advised me there was three transactions on my card since I lost it. Which came out to for almost 400 from an arm which is odd as I have a debit card but people these days anything is possible. I spoke to a claims person advising it's gonna take 24 or 48 hours to see it back on my account. Well I check my statement on Monday they placed it back on my account I was happy I have money for gifts for my children on Christmas , I check again this morning Tuesday and they removed my credit again!

I am so upset that my bank who I trust money with will not have the courtesy to help me and get me my money that I was stolen from. I've Had Nothing But Issues With Chase And I Am At The Point Of Taking My Money To A Better bank!Desired Settlement: I want my bank chase to put the money that some no good person stole from me and I want it placed in my account today! If I don't see resolution I will call corporate and anyone else who is high in chase for a resolution!

Consumer

Response:

Hello, I see the credit back on my account!Thank you for the help and taking my complaint in consideration

Review: On 4/*/14 Chase Bank charged me a total of $68.00 in fees for two checks that hit my account; however I signed up for email alerts when my balance goes negative and I didn't get a notice of this problem till the following day after the fees were applied. I have the funds to bring the account positive and have already done so, but I am under the impression that when I sign up for alerts, I get a notice right away. This would have alerted me to the problem right away and I could have corrected it the same business day.Desired Settlement: A reversal of the $68.00 charge and those funds to be redeposited back into my account, plus I want to ensure I am signed up for automatic alerts if my account would dip negative. I would like to receive alerts right away so I can fix the problem.

Business

Response:

This e-mail is to acknowledge receipt of your correspondence from [redacted] Complaint No. [redacted].. Chase takes consumer feedback very seriously. We have fully reviewed this matter and a verbal response has been provided to [redacted] directly on April [redacted], 2014.

In order to protect consumer privacy, the consumer has been advised they have the option to share the response directly with you. If you have any questions or concerns, I may be reached at ###-###-####, ext. [redacted].

Sincerely,

Executive Office

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: I have a cash account through the [redacted] and managed by Chase Bank. My account number ends in [redacted]. Someone used my debit card to get movies from [redacted] and [redacted] charged my account on 4 different times for a total of $132.63I reported the matter immediately to Chase to investigate and return the funds since I was not responsible for those transactions. Chase bank did not take any action and have not thoroughly investigated the matter. I need the signed transaction for the movies but the bank has not provided me with my request.Desired Settlement: Provide me with a document showing I signed up for [redacted] movies and the locations or emails used in the transaction.I need my money back

Business

Response:

This e-mail is to acknowledge receipt of your correspondence from [redacted] – Case No. [redacted]. Chase takes consumer feedback very seriously. We have fully reviewed this matter and a detailed response has been mailed directly to the consumer on September **, 2014.

In order to protect consumer privacy, the consumer has been advised they have the option to share the response directly with you. If you have any questions or concerns, I may be reached at ###-###-####, ext. [redacted].

Sincerely,

Executive Office

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here]

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Consumer

Response:

JP Morgan Chase did not investigate my claim or found out who used my card at the Redbox

Business

Response:

This e-mail is to acknowledge receipt of your correspondence from [redacted] – Case No. [redacted]. Chase takes consumer feedback very seriously. We have fully reviewed this matter and a detailed response has been mailed directly to the consumer on October **, 2014.

In order to protect consumer privacy, the consumer has been advised they have the option to share the response directly with you. If you have any questions or concerns, I may be reached at ###-###-####, ext. [redacted].

Sincerely,

Review: On 08/**/14, I swiped my card for $14 at Great Clips for my son's haircut. I checked my balance right before going to get the haircut, and I had $27 available. On 08/**/14, a check cleared for approximately $45, and there was a $34 fee assessed to my account because it went overdrawn. I immediately requested a direct deposit of $140 from a small line of credit I have elsewhere to get the account back into a positive balance.

However, before the $140 direct deposit posted on 08/**/14, the Great Clips transaction for $14 hard-posted and I was assessed another $34 fee. I tried disputing the fee with customer service, but I was told that it was my fault and the fee would not be reversed. I was told that I should have deposited money before the check cleared. That is true, however, I am not disputing the fee for the check that initially overdrew my account. What I am disputing is that I was charged $34 for a $14 transaction that was already authorized while the funds were available. I thought since the $14 was authorized while the funds were in the account, the account would be okay the until I get my paycheck on 08/**/14. I was told at my local branch when I opened my account that once a debit transaction came through, pending or hard-post, it was covered (I made sure that I asked specifically about this because of a bad experience with the credit union I used to bank with).

So I went to the branch on 08/**/14 and spoke with [redacted], NMLS ID [redacted] (he said to please give him a call if you need to verify any of our conversation). I explained to [redacted] the situation and he attempted to make an exception to waive the fee, but the system would not allow him because I have already had a couple courtesy reversals in the past. He explained the posting process to me and provided me with new disclosures. I did also ask for a register, as I was not provided with one when I opened the account. [redacted] also explained that the check which initially overdrew my account had come through on 08/**/14 hours before I checked my balance and completed the $14 Great Clips transaction but that it did not actually post my account until later that night. It would be helpful if items are posted when they are timestamped and not after the fact.Desired Settlement: I take accountability for the check that I forgot about that initially overdrew the account. I am not disputing that fee. What I am disputing is being hit with a $34 fee for a $14 transaction that was done while the funds were still in the account and that I thought was as good as cleared. I checked my balance before swiping the card for $14 and the check had not posted, even if it was timestamped as coming in prior to that time.

I would appreciate if Chase would be understanding to this situation - being that I was given wrong information in the branch when opening the account (being told that a pending debt transaction is as good as hard-posted) and that I am making every effort to do my part to handle my finances better - and make this exception for one last courtesy. If I was aware that that $14 fee was going to cause me a fee, I would have made every effort I could to make a deposit before it hard-posted. However, as I stated before, I was told upon opening the account that once a debit is pending, it is the same as hard-posted.

Chase usually provides excellent customer service, but this is 1 of 3 times that I am unhappy with the service. While $34 greatly affects me at this time in my life, it is unlikely Chase would even miss it. It seems that the customer service employees are more concerned about policies and numbers than listening to the customer's situation and demonstrating understanding. This was all due to a miscommunication/misunderstanding, but I feel as if I am simply being treated as an irresponsible individual.

Business

Response:

This e-mail is to acknowledge receipt of your correspondence from [redacted], Case No. [redacted]. Chase takes consumer feedback very seriously. We have fully reviewed this matter and a detailed response has been mailed directly to the consumer on August **, 2014.

In order to protect consumer privacy, the consumer has been advised they have the option to share the response directly with you. If you have any questions or concerns, I may be reached at ###-###-####, ext. [redacted].

Sincerely,

Review: Chase believed me to be involved with fraud, and instead of contacting me about it or freezing just the money transfer I was getting, the restricted all my accounts, leaving me with nothing at all. They told me they would close the account in 10 days and send me my available balance in 3 weeks. I asked how someone lives without any money for a month and they did not know. Then, after placing my account on hold, they continued to allow transactions to go through, causing my negative balance to climb to 3000 dollars. How are transactions when an account is restricted?Desired Settlement: None of the transactions should have been reversed or accepted on a restricted account and notice should have been given before the seizure of all my assets. How do I live? The company has literally placed me in an unlivable situation. What are they doing about the company that transferred in the first place? I get punished for being ignorant and they get all the money they can take? I am the customer, not them.

Business

Response:

This e-mail is to acknowledge receipt of your correspondence from [redacted], Complaint No. [redacted]. Chase takes consumer feedback very seriously. We have fully reviewed this matter and a detailed response has been mailed directly to the consumer on August **, 2013.

In order to protect consumer privacy, the consumer has been advised they have the option to share the response directly with you. If you have any questions or concerns, I may be reached at ###-###-####, ext. [redacted].

Sincerely,

Chase Executive Office

Business

Response:

This e-mail is to acknowledge receipt of your correspondence from [redacted], Complaint No. [redacted]. Chase takes consumer feedback very seriously. We have fully reviewed this matter and a detailed response was provided verbally to the consumer on September **, 2013.

In order to protect consumer privacy, the consumer has been advised they have the option to share the response directly with you. If you have any questions or concerns, I may be reached at ###-###-####, ext. [redacted].

Sincerely,

Chase Executive Office

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is unsatisfactory to me but that the company will do nothing further to resolve the matter, therefore I am just closing the complaint. It was useless.

Sincerely,

My parents have had a Chase checking and savings account for many years. They have used it for simple withdrawal and deposits, nothing more. They received a letter in the mail that stated that after further review of their account Chase Bank has decided to end their relationship with them. No reason is given as to why this may be. They have never had any sort of overdraft or and fees/penalties to the account. We contacted the branch on [redacted] and [redacted] in [redacted] to ask them for answers. We were told that this was a notice from the corporate office and no reason had to be provided. The branch tried calling the number on the letter, but that office would not provide us with a reason. We were told that if we did not close the account with them, they would forcefully close it and mail us a cashiers check for the remaining balance.

We strongly feel that this is racial discrimination as we are of [redacted] descent. In light of the recent terror attacks, perhaps this accounts to racial profiling. A search online also shows that this has happened to other individuals.

Without a solid reason as to why Chase no longer wants to conduct business with my [redacted] parents, I am reaching out to your agency to shed light into this situation and make the public aware of any malicious acts by this crude organization.

Chase Bank uses a blatantly unethical, exploitive policy for generating punitive interest and prolonging the period during which the interest accrues. Their own customer service department doesn't seem to understand or approve of the policy.

My experience: I have overdraft protection (ODP) on my Chase checking account, meaning that if I accidentally overdraw, the amount overdrawn is charged to my Chase credit card. There is a $10 fee when ODP is used -- and then the amount accrues interest daily at the rate of a cash advance, which is currently 24.24%.

Setting aside that 24.24% is a usurious rate, here's the first real rub: Chase will not allow customers to pay off the balance due until the end of a statement cycle. In my case, I was advanced $150 on 10/**/15 and recognized my error immediately -- but I am prohibited from paying it off until the cycle ends at midnight on 11/*/15. Chase is keeping me from paying off my own debt for over 14 days while interest accrues daily at 24.24%.

Moreover, Customer Service cannot tell me what the total amount (ODP + interest) will be at the end of the cycle. If I pay my entire new balance now, the uncalculated interest will spill over into the next cycle -- at 24.24% again, and unpayable until the end of that cycle.

It is an appalling and unethical practice to shackle customers to a usurious rate while at the same time preventing timely payment. It's the equivalent of punishing someone for a behavior you've insisted on.

The customer service rep and customer service manager I spoke with agreed the policy was awful ("I don't like it either" "I told them when I first learned of it that it was bad" "My hands are tied"). And I've been a loyal Chase customer for decades, with plenty of money in Chase accounts to cover the charges. Yet, there is no further path to resolution.

It does not matter whether the final interest will be $7 or $7,000. The practice is shamefully exploitive and should be illegal. Chase should abolish the policy or face penalties.

Thank you.

Review: Fraudulent charges appeared on my debit card and they refused to give me a credit even after I called the company that posted the fraudulent charged and they agreed to issue a credit on my account for the charges. I went into the bank on several occasions and This has been going on since December 2013 for $39.95.Desired Settlement: Credit back to my account the $39.95 that the offending company sent over for processing, asap.

Business

Response:

This e-mail is to acknowledge receipt of your correspondence from [redacted] - case number [redacted]. Chase takes consumer feedback very seriously. We have fully reviewed this matter and a detailed response was provided verbally to the customer on February **, 2014.

In order to protect consumer privacy, the consumer has been advised they have the option to share the response directly with you. If you have any questions or concerns, I may be reached at ###-###-####, ext. [redacted].

Sincerely,