{"took":612,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":6,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"5663286","_score":32.93397,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Hello, I am a XXXX XXXX not in XXXX XXXX  and my computer was hacked by someone claiming to be from XXXX. I just noticed in my email that several complaints with you were filed by this hacker. I have not filed any complaints and would like them withdrawn. They are listed below and I have changed my password to your site XXXX XXXX XXXX Your complaints COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER-IDENTIFIED COMPANY SUBMITTED STATUS XXXX XXXX XXXX General-purpose credit card or charge card Problem with a purchase shown on your statement CHASE BANK CREDIT CARD XX/XX/2022 Closed Marked as a duplicate complaint on XX/XX/2022 XXXX XXXX XXXX General-purpose credit card or charge card Other features, terms, or problems CHASE BANK CREDIT CARD XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX General-purpose credit card or charge card Problem with a purchase shown on your statement CHASE BANK CREDIT CARD XX/XX/2022 Closed Feedback provided","date_sent_to_company":"2022-06-13T12:27:15.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"60640","tags":"Older American","has_narrative":true,"complaint_id":"5663286","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-06-13T12:18:58.000Z","state":"IL","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["/XX/2022 <em>Closed</em> <em>Feedback</em> <em>provided</em> XXXX XXXX XXXX General-purpose <em>credit</em> <em>card</em> or charge <em>card</em> <em>Problem</em> with a purchase shown on your statement <em>CHASE</em> BANK <em>CREDIT</em> <em>CARD</em> XX/XX/2022 <em>Closed</em> <em>Feedback</em> <em>provided</em>"],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["Other features, terms, or <em>problems</em>"],"company":["JPMORGAN <em>CHASE</em> & CO."],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Other <em>problem</em>"]},"sort":[32.93397,"5663286"]},{"_index":"complaint-public-v1","_id":"6566036","_score":22.419098,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Your complaint Complaint Number XXXX Step 1 What product or service is your complaint about? \n\nPRODUCT OR SERVICE Credit card or prepaid card TYPE General-purpose credit card or charge card Inactive modal Step 2 What type of problem are you having? \n\nISSUE Getting a credit card HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nYes TYPE OF ISSUE Card opened as result of identity theft or fraud Step 3 What happened? \n\nSTATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Credit card or prepaid card ISSUE Problem with a purchase shown on your statement We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT A fraudulent account was open in XXXX, with Chase Bank. I discovered this account personally, back on XX/XX/XXXX of XXXX. And there was multiple drafts : Checking account : XXXX - {$3000.00} XX/XX/XXXX - {$500.00} XX/XX/XXXX - {$2200.00} XX/XX/XXXX - {$3000.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1300.00} XX/XX/XXXX On XX/XX/XXXX I finally got all the information together. And I reported it to my Bank and Chase Bank, I struggled with Chase Bank for about a year. On XX/XX/XXXX they said they would reverse the charges but now they are reversing it and saying that they will not pursue me but will also not refund my money. XXXX from Fraud operations, to inform me that \" she has accepted my fraud claim on this account and that I would not be responsible for any balance, please allow 48 hours to adjust the account and call back to confirm, after I called they said they are rebilling it, and that they are reversing what she decided. '' View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. Company still working STATUS Company response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. COMPANY 'S INTERIM RESPONSE We're still working on your request and will send you a letter as soon as we complete our research. Thank you for your patience Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response We appreciate you taking the time to tell us about our service. Your feedback helps us serve you better. We aim to give exceptional service and are sorry if we did not meet this goal. The agreement between us is that either you or we may close an account, other than a CD, at any time for any reason or no reason without prior notice. For more information, please see the Deposit Account Agreement. You were provided a copy of the agreement when you opened your account. You can see the current agreement on chase.com. We are not required to give you a reason for our decision to close the account. We are not able to reopen your account and you are not eligible for a new account. We were not able to locate a checking account ending in XXXX in your name. We have no record of claims on file for the transactions detailed in your compliant. We respectfully decline your request for reimbursement. If you would like to dispute a transaction, please call us at XXXX, or complete the claim form on chase.com. We are not able to release copies of recordings, as they are for internal use only. We suggest you work with your local law enforcement to resolve this matter. We will work with them if they contact us. We apologize for the inconvenience this has caused you. ATTACHMENTS XXXX, XXXX - Final Letter - XXXX Feedback provided STATUS Feedback provided on XX/XX/XXXX Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS I made chase aware of the details and they have ignored and neglected the real information conveyed. This is repulsive, they need to be stopped. I plan to sue both parties for unethical operations and obstruction I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS They lied THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS They played stupid What happens now? The complaint process is complete and your complaint is now closed. We have taken the following additional actions on your complaint : We added your complaint to the CFPBs Consumer Complaint Database. Your feedback, and feedback from others, helps us understand how companies are addressing concerns raised by consumers in their complaints. We will also share your feedback with the company. We have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies. We appreciate your participation in the complaint process and your feedback on the companys response. Both are important to us and consumers who may have similar issues and concerns. Closed The CFPB has closed your complaint. Card ending in XXXX My name is XXXX XXXX, I had a chase freedom card that was paid and closed. My checking account was linked to it and when the online profile was taken over, a new application for this XXXX card ending in XXXX was opened without my knowledge or authorization. The fraudster used the linked checking from the previous valid account to make payments without my knowledge or authorization. Ive had this account already blocked by all the reporting agencies, the communication I received when I disputed this account which chase, was a determination that I was responsible for this account based on the payments completed from the linked checking account that I was the soul owner of. Its not only insulting, but criminal your team decided to neglect the previous attempts by both XXXX XXXX and myself a year ago to dispute and recover these payments, and have proceeded to Harass me for additional payments to an account I do not own, yet chase attempts to hold me responsible for based on their belief I submitted payments consciously to this fraud account, with record of the ach disputes on file with your team. Attached please find the ach disputes I filed a year ago, submitted for review again. Ive sent these documents a number of times, and its disgusting to think chase has been in business at the capacity it currently operates with such criminal neglect to the information contradicting their findings, or attempts to sue me for additional money, while you guys Hold over {$9000.00}, an amount of grand larceny, after many attempts to recover these funds. You have 7 days to get me the refund for the ach drafts completed to chase without my authorization or Im prepared to take legal action and exploit the criminal actions made by chase in this matter with knowledge/ record of correspondence to XXXXXXXX XXXX refusing to refund the ach disputes we placed, as well as all the laws and violations committed by chase under the fair credit reporting act. My cell is XXXX. Please feel free to reach out to me at any time of any day. This matter requires your immediate attention. Please do the right thing, I will not stop until you do. XXXX XXXX Ss- XXXX XXXX XXXX XXXX XXXX, NJ XXXX C- ( XXXX ) XXXX If you guys play stupid and lie to me in response, again, as XXXX did on monitored and recorded lines, Ill sue for everything I can. Ive never been so disgusted and victimized. Chase is a nightmare and must be stoped I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. \n\nThe CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. \nInactive modal What would be a fair resolution to this issue? \n\nThe money returned as XXXX from fraud recovery promised on XX/XX/XXXX from my XXXX checking account to a fraud credit card account ending XXXX. \n10 attachments View uploaded documents by clicking on the file name. Documents that pass virus scanning are typically available within 2 minutes of upload. \nXXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX MB ) XXXX ( XXXX KB ) XXXX ( XXXX MB ) XXXX ( XXXX MB ) Step 4 What company is this complaint about? \n\nCOMPANY INFORMATION CHASE CREDIT CARD CARD NUMBER XXXX Step 5 What people are involved? \n\n\nYOUR CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX YOUR DEMOGRAPHIC INFORMATION Age XXXX Household size including total number of adults and children XXXX About us Were the Consumer Financial Protection Bureau ( CFPB ), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. \n\nLearn how the CFPB can help you HAVE A QUESTION? PREGUNTAS? \n\n( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXX XXXX XXXX. to XXXX XXXX XXXX, XXXX - XXXX ( except federal holidays ). \n\nMore than 180 languages available. \n\nPrivacy Act Statement OMB # XXXX Note on user experience Have a question? Preguntas? \n( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXX XXXX XXXX. to XXXX XXXX. XXXX, XXXX through XXXX ( except federal holidays ). \nMore than 180 languages available.","date_sent_to_company":"2023-02-13T19:57:52.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"078XX","tags":null,"has_narrative":true,"complaint_id":"6566036","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-02-13T19:55:47.000Z","state":"NJ","company_public_response":null,"sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["PRODUCT OR SERVICE <em>Credit</em> <em>card</em> or prepaid <em>card</em> TYPE General-purpose <em>credit</em> <em>card</em> or charge <em>card</em> Inactive modal Step 2 What type of <em>problem</em> are you having? \n\nISSUE Getting a <em>credit</em> <em>card</em> HAVE YOU ALREADY TRIED TO FIX THIS <em>PROBLEM</em> WITH THE COMPANY? \nYes TYPE OF ISSUE <em>Card</em> opened as result of identity theft or fraud Step 3 What happened? \n\nSTATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT <em>Credit</em> <em>card</em> or prepaid <em>card</em> ISSUE <em>Problem</em> with a purchase shown on your statement We received your complaint."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"company":["JPMORGAN <em>CHASE</em> & CO."],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Card</em> opened as result of identity theft or fraud"]},"sort":[22.419098,"6566036"]},{"_index":"complaint-public-v1","_id":"6566203","_score":20.69666,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"STATUS Submitted to the CFPB on XX/XX/XXXX XXXX XXXX XXXX or prepaid card ISSUE Problem with a purchase shown on your statement We received your complaint. Thank you. \n\nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT A fraudulent account was open in XXXX, with Chase Bank. I discovered this account personally, back on XX/XX/XXXX of XXXX. And there was multiple drafts : Checking account : XXXX - {$3000.00} XX/XX/XXXX - {$500.00} XX/XX/XXXX - {$2200.00} XX/XX/XXXX - {$3000.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1300.00} XX/XX/XXXX On XX/XX/XXXX I finally got all the information together. And I reported it to my Bank and Chase Bank, I struggled with Chase Bank for about a year. On XX/XX/XXXX they said they would reverse the charges but now they are reversing it and saying that they will not pursue me but will also not refund my money. XXXX from Fraud operations, to inform me that \" she has accepted my fraud claim on this account and that I would not be responsible for any balance, please allow 48 hours to adjust the account and call back to confirm, after I called they said they are rebilling it, and that they are reversing what she decided. '' XXXX full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nCompany still working STATUS Company response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. \n\nCOMPANY 'S INTERIM RESPONSE We're still working on your request and will send you a letter as soon as we complete our research. Thank you for your patience Company responded XXXX XXXX responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation XXXX 's Response We appreciate you taking the time to tell us about our service. Your feedback helps us serve you better. We aim to give exceptional service and are sorry if we did not meet this goal. The agreement between us is that either you or we may close an account, other than a CD, at any time for any reason or no reason without prior notice. For more information, please see the Deposit Account Agreement. You were provided a copy of the agreement when you opened your account. You can see the current agreement on chase.com. We are not required to give you a reason for our decision to close the account. We are not able to reopen your account and you are not eligible for a new account. We were not able to locate a checking account ending in XXXX in your name. We have no record of claims on file for the transactions detailed in your compliant. We respectfully decline your request for reimbursement. If you would like to dispute a transaction, please call us at XXXX, or complete the claim form on chase.com. We are not able to release copies of recordings, as they are for internal use only. We suggest you work with your local law enforcement to resolve this matter. We will work with them if they contact us. We apologize for the inconvenience this has caused you. \nATTACHMENTS XXXX, XXXX - Final Letter - XXXX Feedback provided STATUS Feedback provided on XX/XX/XXXX Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS I made chase aware of the details and they have ignored and neglected the real information conveyed. This is repulsive, they need to be stopped. I plan to sue both parties for unethical operations and obstruction I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS They lied THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS They played XXXX What happens now? \n\nThe complaint process is complete and your complaint is now closed. \n\nWe have taken the following additional actions on your complaint : We added your complaint to the CFPBs Consumer Complaint Database. \nYour feedback, and feedback from others, helps us understand how companies are addressing concerns raised by consumers in their complaints. We will also share your feedback with the company. \nWe have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies. \nWe appreciate your participation in the complaint process and your feedback on the companys response. Both are important to us and consumers who may have similar issues and concerns. \n\nClosed The CFPB has closed your XXXX ending in XXXX My name is XXXX XXXX, I had a XXXX XXXX card that was paid and closed. My checking account was linked to it and when the online profile was taken over, a new application for this XXXX XXXX ending in XXXX was opened without my knowledge or authorization. The fraudster used the linked checking from the previous valid account to make payments without my knowledge or authorization. Ive had this account already blocked by all the reporting agencies, the communication I received when I disputed this account which chase, was a determination that I was responsible for this account based on the payments completed from the linked checking account that I was the soul owner of. Its not only XXXX, but criminal your team decided to neglect the previous attempts by both XXXX XXXX and myself a year ago to dispute and recover these payments, and have proceeded to Harass me for additional payments to an account I do not own, yet chase attempts to hold me responsible for based on their belief I submitted payments consciously to this fraud account, with record of the ach disputes on file with your team. Attached please find the ach disputes I filed a year ago, submitted for review again. Ive sent these documents a number of times, and its XXXX to think chase has been in business at the capacity it currently operates with such criminal neglect to the information contradicting their findings, or attempts to sue me for additional money, while you guys Hold over {$9000.00}, an amount of grand larceny, after many attempts to recover these funds. You have 7 days to get me the refund for the ach drafts completed to chase without my authorization or Im prepared to take legal action and exploit the criminal actions made by chase in this matter with knowledge/ record of correspondence to XXXX XXXX refusing to refund the ach disputes we placed, as well as all the laws and violations committed by chase under the fair credit reporting act. My cell is XXXX. Please feel free to reach out to me at any time of any day. This matter requires your immediate attention. Please do the right thing, I will not stop until you do. \n\nXXXX XXXX Ss- XXXX XXXX XXXX XXXX XXXX, NJ XXXX C- ( XXXX ) XXXX If you guys play XXXX and XXXX to me in response, again, as XXXX did on monitored and recorded lines, Ill sue for everything I can. Ive never been so disgusted and victimized. Chase is a nightmare and must be stoped","date_sent_to_company":"2023-02-13T19:50:03.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"078XX","tags":null,"has_narrative":true,"complaint_id":"6566203","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-02-13T19:14:00.000Z","state":"NJ","company_public_response":null,"sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["ATTACHMENTS XXXX, XXXX - Final Letter - XXXX <em>Feedback</em> <em>provided</em> STATUS <em>Feedback</em> <em>provided</em> on XX/XX/XXXX Your <em>feedback</em> THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS I made <em>chase</em> aware of the details and they have ignored and neglected the real information conveyed. This is repulsive, they need to be stopped."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"company":["JPMORGAN <em>CHASE</em> & CO."],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Card</em> opened as result of identity theft or fraud"]},"sort":[20.69666,"6566203"]},{"_index":"complaint-public-v1","_id":"5229061","_score":18.446007,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I was traveling in Hawaii on XX/XX/2022, while my card was charged with three unauthorized purchases worth {$5700.00} combined. I noticed these fraudulent transactions on my card and reported immediately. The bank initially issued me temporary credit and state that the fraud department will make an investigation. \n\nAround two week later, same transaction appeared on my credit report again and the bank reasoned because the stores ' system \" detected the chip in my card '' and I didn't lose my card it's \" very unlikely to be another person 's '' purchase. I proceed to state that because there might be other technologies enabling scammers make transaction under my name without stealing my physical card, the store detected the chip in my physical card is not sufficient to approve that I made those transactions. The bank XXXXs fraud department agreed to reopen the case and \" give me a result within 7 business days. '' Then I continued waiting. \n\nOn XX/XX/XXXX, I received a notification from Chase, stating that after investigation, the result remains unchanged, and they insist my transaction was valid. I called the fraud department again and the reason given was I don't have other evidence to support that I did not make those transactions. I asked if there's any other evidence to support these transactions were indeed from me, they failed to answer and ask me to call the stores as well as police to acquire additional information and send the evidence to their recovery email. \n\nAlthough I know it's not my liability to provide evidence for something I didn't do, to accelerate the investigation process, I contacted all stores and local police to see if there were indeed those transactions as well as XXXX footage of the person who made those transactions. XXXX XXXX, which is the store that charged my card with the largest amount of transaction, stated they did not see such a transaction in their system and provided me a case number as evidence for Chase to make follow up calls, stating this is the only form of evidence they can provide. I offered above details to Chase fraud department, and they agreed to follow up on the call. \n\nSince XXXX police station didn't accept non-in person reports, they transferred my case to my local police station. Although my local police station doesn't have any access to Hawaii stores security systems, they agree to contact the station in Hawaii and see if there's anything they can do and ask me to wait for a call back. I was then waiting for a result from the police. \n\nOn XX/XX/XXXX, I received another notification from Chase, stating the same result that my transaction was valid, and they closed my case again, all while I am still waiting for feedback from the store as well as the police. Through this whole process, no one from chase followed up with me to state if they followed up with the XXXX XXXX or had any other investigation. At this point I feel I can't solve my dispute with Chase and called them one last time today ( XX/XX/XXXX ) to give them a notification that I will file a complaint against them with CFPB. \n\nAnother detail is out of all three transactions, Chase bank were only able to send me a text notification on two of the transactions ( {$290.00} at XXXX XXXX XXXX XXXX ) and the transaction went through despite I replied \" NO '' to stop it. \n\nI was very disappointed at how my case was handled, including different chase department shirt responsibilities from each other, making this a horrible customer experience trying to solve my problem for a month. I will insist my claims on the fraudulent charges and won't cease my complain until this is solved.","date_sent_to_company":"2022-02-17T00:01:17.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"14850","tags":null,"has_narrative":true,"complaint_id":"5229061","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-02-16T22:33:32.000Z","state":"NY","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, I received another notification from <em>Chase</em>, stating the same result that my transaction was valid, and they <em>closed</em> my case again, all while I am still waiting for <em>feedback</em> from the store as well as the police. Through this whole process, no one from <em>chase</em> followed up with me to state if they followed up with the XXXX XXXX or had any other investigation."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["<em>Problem</em> with a purchase shown on your statement"],"company":["JPMORGAN <em>CHASE</em> & CO."],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Card</em> was charged for something you did not purchase with the <em>card</em>"]},"sort":[18.446007,"5229061"]},{"_index":"complaint-public-v1","_id":"16296301","_score":14.443543,"_source":{"product":"Checking or savings account","complaint_what_happened":"This complaint concerns Chases mishandling of my deposited funds and its repeated failure to account for or release those funds in a timely manner. Rather than taking responsibility for its own errors, XXXX has attempted to shift blame onto me, causing significant financial and personal damages. \n\nXXXX asserts that my deposit and the account closure occurred on the same day, suggesting simultaneity. This is misleading and immaterial. On XX/XX/year>, my account was active at the time of deposit. XXXX accepted my {$13000.00} check and withdrew the funds. What followed was not a simple account closure, but Chases inability to track, locate, or release my money for weeks. The XXXX Account XXXX XXXX give XXXX XXXX to close accounts, but it does not give them license to mismanage customer funds after accepting a deposit. \n\nThis is further contradicted by Chases own written correspondence. A letter dated XX/XX/year>, regarding my account stated that a hold amount of {$12000.00} would be available on XX/XX/year>, unless the check was returned unpaid. The check was valid, never returned, and yet XXXX failed to release the funds as promised. \n\nI requested that Chase Bank remedy its error by covering the damages directly resulting from its failure to provide me access to my funds. XXXX had a duty to exercise reasonable care in handling my deposit and to ensure timely access to my money once the check was accepted. Instead, XXXX has attempted to shift responsibility onto me by asserting that I did not confirm my address until XX/XX/year>. This characterization is both factually inaccurate and legally insufficient. The unavailability of my funds was caused not by any omission on my part, but by Chases internal errors, contradictory representations, and inability to track or release the funds it accepted. As a result, XXXX remains liable for the consequential damages I suffered, including but not limited to late fees, negative credit reporting, and loss of use of my money. \n\n- My funds had been returned to the issuer, and that it was my responsibility to work with XXXX to find those funds, so they could return them to me ( which XXXX confirmed was false ) ; - My funds were issued by cashiers check, that the check had already been mailed, and that I should wait XXXX business days before calling again ( but no check was received, even after the XXXX business days ) ; - My funds might be wired ( but no wire occurred ) ; - That XXXX did not know XXXX the money was. \n\nXXXX can not now claim that I failed to confirm my address when in fact I repeatedly attempted to resolve the issue in person and by phone, but was obstructed by Chases misinformation and lack of coordination. Although the final conversation on XX/XX/XXXX did include a confirmation of my address, numerous times between XX/XX/XXXX and XX/XX/XXXX, I visited the branch where the check was deposited and spoke to XXXX representatives repeatedly by phone in departments, including but not limited to ; customer services, escalations, branch services. During those conversations I provided updated information, including my address, and attempted to confirm the handling of my funds. \n\nThird, Chases response is internally inconsistent. It asserts both that no check was mailed until XX/XX/XXXX when I confirmed my address, and that a check was mailed on XX/XX/XXXX. These statements can not both be true and further illustrate Chases failure to provide a verifiable XXXX XXXX of the transaction. \n\nFinally, XXXX declines to provide compensation by citing its contractual right to close an account. But again, the injury here does not arise from the fact of account closure. It arises from Chases negligent mishandling of my deposited funds after closure and its repeated failure to provide timely, accurate information. For more than XXXX weeks, I was deprived of access to {$13000.00} that XXXX had already withdrawn from my check. This directly caused late fees, missed credit card payments, and XXXX XXXX damage. I also incurred substantial time and stress in pursuing the matter, visiting branches, and making repeated calls, many of those hours taking away from my own job due to limited XXXX hours. \n\nChases response is not a resolution. It ignores the facts, mischaracterizes the timeline, and attempts to shift blame to me for delays entirely caused by Chases own contradictory communications and mishandling of my deposit. At a minimum, I continue to request : A verifiable written XXXX XXXX of the deposit, closure, and issuance of the cashiers check, including dates, transaction IDs, and responsible departments. Reimbursement for consequential damages ( late fees, penalties, and credit impacts ) directly caused by Chases failure to release my funds in a timely and accurate manner. Confirmation that XXXX will review its policies and training to ensure no other customer is subjected to such treatment. Until these are addressed, Chases submission can not be considered an adequate resolution under banking and consumer protection law. \n\nHere is the XXXX response that this is in regards to. \" We appreciate you taking the time to tell us about our service. Your feedback helps us serve you better. Our goal is to give exceptional service, and we are sorry if we fell short this time. We regret any misinformation that was provided. Our records show that your account ending in XXXX was closed after reaching 60 days with a XXXX balance. You made a deposit on the same day the account was automatically closed. We sent the enclosed letter on XX/XX/year>, requesting information on where to return the funds. We did not receive address confirmation until XX/XX/XXXX, at which point we mailed the cashiers check. On XX/XX/XXXX, we mailed check number XXXX for {$13000.00} to the address you confirmed. We appreciate your patience while we resolved this matter ; however, we respectfully decline your request for compensation. The XXXX Account XXXX explains that we XXXX decline or prevent any or all transactions to or from your account and remove funds from your account to hold them pending investigation. It also allows us to close an account, other than a XXXX, at any time, for any reason or no reason, without giving a reason, and without prior notice. We gave you a copy of the agreement when you opened the account. You can see the current agreement on chase.com. '' Before going into the information on my initial complaint. After this below complaint was made, I went into the branch an additional time, and spoke with XXXX different XXXX representatives multiple times ; twice with their XXXX team, and XXXX times with branch complaints representative. \n\nMy initial complaint : \" On XX/XX/year>, I deposited a check in the amount of {$13000.00} into my Chase Bank checking account. Later that same evening, or potentially early the next morning, XXXX unilaterally closed my account. XXXX representatives have since informed me that the account closure was due to inactivity, though on multiple occasions I have also been told the closure was a mistake. Regardless, the closure occurred after the deposit was accepted. Despite the account closure, XXXX withdrew the full {$13000.00} from the check. Since XX/XX/XXXX, I have made extraordinary efforts to obtain the location and status of my funds : - I visited XXXX branches on XX/XX/XXXX, XXXX, XXXX, and XXXX each time seeking resolution. - I have spoken with XXXX representatives by phone on XX/XX/XXXX, XXXX, XXXX, and XXXX. - Each contact has yielded contradictory explanations : - That my account was mistakenly closed. - That my account was properly closed despite the deposit. - That the cashier mishandled the transaction. - That corporate made an error in closing the account - That no error occurred. - That my funds were sent back to the issuer ( XXXX XXXX ). - That my funds were issued to me via cashiers check. - That a wire transfer might be possible. - That XXXX does not know where the money is. - That XXXX \" does not know how the money was sent to XXXX. '' - That XXXX is not responsible for any reimbursement for my late fees or other damages - That the branch where I deposited the check is responsible for resolution - That the corporate office is responsible for resolution of this issue- That I need to wait XXXX business days until my cashier check arrives ( told this as recently as XX/XX/XXXX ) To date, I have not received written confirmation of the status of my funds. XXXX has only provided inconsistent verbal statements. XXXX has repeatedly instructed me to contact XXXX XXXX, the issuer of the check, to request a replacement check or to confirm whether the funds were returned. However : - XXXX XXXX has confirmed that they issued the original check. - XXXX has no record of receiving the funds back from XXXX. - XXXX has not reissued a replacement check because the money was already withdrawn by XXXX. As a result, I am in the untenable position of being required to investigate Chases own error at my own expense, essentially working part-time to track down my own funds. Damages that have occurred : 1 ) Loss of Use of Funds : As of XX/XX/year>, my {$13000.00} deposit remains unaccounted for. 2 ) Financial Harm : I have incurred late fees and missed credit card payments as a direct result of being deprived of my funds. These missed payments have negatively affected my credit score. 3 ) Emotional Distress and Burden : I have spent many hours on phone calls and in-person visits attempting to resolve a problem entirely of Chases making. Legal and Regulatory Concerns : Chases conduct raises significant concerns under banking and consumer protection law, including : - Failure to provide timely and accurate information regarding account transactions. - Possible misappropriation or mismanagement of funds. - Unfair and deceptive practices by providing contradictory explanations while withholding verifiable records. - Failure to mitigate customer damages caused by Chases own actions. ''","date_sent_to_company":"2025-10-01T15:38:40.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"77396","tags":null,"has_narrative":true,"complaint_id":"16296301","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-10-01T15:06:09.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["These missed payments have negatively affected my <em>credit</em> score. 3 ) Emotional Distress and Burden : I have spent many hours on phone calls and in-person visits attempting to resolve a <em>problem</em> entirely of <em>Chases</em> making."],"company":["JPMORGAN <em>CHASE</em> & CO."],"sub_issue":["<em>Problem</em> making or receiving payments"]},"sort":[14.443543,"16296301"]},{"_index":"complaint-public-v1","_id":"6942887","_score":5.574074,"_source":{"product":"Checking or savings account","complaint_what_happened":"US Bank\nU.S. Bancorp Center XXXX XXXX XXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX Corporate Switchboard\nXXXX XXXX Customer Service\nXXXX  - Cardmember Service Fraud Prevention Department\nXXXX  - Cardmember Service Fraud Prevention Department\nXXXX  - XXXX XXXX (Social media guy that threatened me)\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\n\nPersonal Checking: XXXX\nBusiness Checking: XXXX\n\n\nAgreements:\n\n\n\n\nOpen Issues:\n\nThese are the open issues. The date cited next to the issue is when the issue first happened. \nScroll down in the log to that date to see all details, and scroll up to see the history.\nXXXX XXXX XXXX XXXX XXXX XXXX  - US Bank representative called me, was rude, harassing, and threatened me. (XXXX)\n\t- XXXX  from Social Media team called me.\n\t- Called me stupid, then threatened me with unspecified physical violence.\n- US Bank branch personnel were incredibly rude and nasty to me. (XXXX)\n\t- XXXX XXXX XXXX  \t- One lady refused to answer any of my questions.\n\t- Another lady butted in and started loudly and rudely talking at me.\n\t- That second lady ignored me altogether, chased me out of the bank, and accused me of yelling.\n- US Bank personal account fraud charges issue (XXXX)\n\t- I got a text about fraud charges, had to dig deep for ID for sender.\n\t- Checked my US Bank personal checking account (XXXX), FOUR fraudulent charges.\n\t- Requested assistance via phone and in person several times, all refused.\n- Unknown deposit in business account (XXXX)\n\t- Unknown check deposit for $100 XXXX XXXX  \t- On XXXX, this transaction is not found at all.\n- Unable to reach a person via telephone for assistance\n\t- This issue has been going on for a long time.\n\t- The automated systems don't allow me to speak to a person\n\t- The automated systems say my information is invalid and hang up on me\n\t- The automated systems don't offer me an option for why I'm calling\n- Inability to utilize offered services\n\t- US Bank refuses to process my application for a personal or business credit card\n\t\t- They've said I need to unlock/unfreeze all three of my credit reports for 2-4 weeks, this is not acceptable to me.\n\n\n\nLOG\n---\n\nXXXX\n\nNothing heard from XXXX XXXX, still no statements. Time to reach out for more help.\nXXXX, calling corporate switchboard. Transferred to C/S?\nXXXX XXXX Confirms she's C/S, not corporate. I told her what I'm after and left her to it. She became argumentative and abusive, then hung up on me.\n\n\n\n\n\nXXXX XXXX XXXX XXXX XXXX VM, left VM.\nOn Monday I need to ask for external help again.\n\n\nXXXX\n\nEmailed XXXX  again about the statements, need them for a payment dispute, asked him to please email them to me today.\n\n\nXXXX\n\nBumped email to XXXX  for statements again.\n\n\nXXXX\n\nIt appears I've been issued credits for all four XXXX fraud charges.\n\n\nRequested again that XXXX provide me with the statements.\n\n\n\n\nXXXX\n\nCFPB response from company.\n\nXXXX  Response, US Bank says no change.\nReceived statements and stuff in the mail today.\n\n\n\n\n\nXXXX\n\nStill no resolutions.\nCalled CFPB, gave info/reminder. 3 times.\nAfter a lot of calls and XXXX, it finally got resolved and I could view the response. \n\n\n\n\nXXXX\n\nCalled CFPB, same stupid nonsense in the first call. Finally got to a supervisor in the 2nd call, gave my info and request again.\nEmail from XXXX XXXX statements have been mailed, disputes are in process.\n\n\n\n\n\nXXXX XXXX, Called CFPB to follow up, XXXX, still no help or cooperation.\nCalled Ombudsman, left Vm. Emailed Ombudsman.\nXXXX, XXXX also refused to assist or cooperate.\nXXXX After MANY calls to the CFPB this morning, I finally got to a supervisor that was willing to cooperate. I gave her the information, and asked for an email when the task is completed.\n\n\n\nXXXX  \nCalled CFPB to follow up again, still no help/cooperation there.\nStill nothing from US Bank either.\nXXXX called XXXX XXXX, got through. VERY difficult, kept talking over me/at me, and blaming me for all the problems.\nHe hung up on me, so I called back. He claims he couldn't hear me... \nHe's going to mail me the statements (all of them!) and dispute the fraudulent transactions, then send me an email with proof thereof. \nMore emails to the CFPB Ombudsman asking for help there.\n\n\n\n\n\nXXXX\n\nUS Bank is apparently sending me a new debit card.\nWow. XXXX\n\nEmailed all reminding them I am still in need of assistance.\nReplied again to last email asking for help.\nCalled CFPB to ask again for help with the complaint response. Got a lady that hung up on me. \n\nSeveral calls to CFPB, more rude people.\nEmailed CFPB ombudsman. Auto reply.\nCalling Ombudsman office. TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (Toll-free)\n\n\n\nXXXX\n\nEmail from XXXX XXXX  with some garbage/spam stuff. I think he was trying to send me my statements.\nI replied, let him know of the issue, and asked for my statements directly as .pdf's.\nI did offer to come by his office and let him put them on a flash drive I'll provide.\nI called the corporate switchboard and it goes to hold music for awhile, then disconnects.\nAll of the numbers I've called go to hold music, then disconnect, it appears they've blocked my number.\nThey clearly no longer wish to communicate with me directly, so I'll have to take this up externally.\n\n\n\nXXXX XXXX response from US Bank, in short, they closed my accounts because I asked them to allow me to dispute the four fraudulent transactions, and they refused to do so.\n\n\n\n\n\nXXXX\n\nReceived a letter and some checks from US Bank, they're closing my account. XXXX XXXX XXXX XXXX\nI cannot retrieve statements in my business account, and I cannot log in at all to my personal account.\n\nXXXX, Called, VM, left VM. \nXXXX, called XXXX Main branch, opt 3. Unavailable. \n\nXXXX, Submitted CFPB complaint for account closure without full refund or statements, ID FOR COMPLAINT SENT TO US BANK\nXXXX\n\n\nCannot file Texas Banking Department complaint, need to file federal. \nhelpwithmybank.gov, called XXXX XXXX  to see who regulates US Bank, no help.\nEmailed help form for help.\n\nXXXX, call, corp switchboard, looking for Exec office. Sounds like C/S, called again. \nXXXX same again, call 3, XXXX. Same thing.\n\nXXXX, CFPB response, says company replied. I can't view or get to the attachments.\nSubmitted feedback saying so. \nCalling CFPB for help.\nXXXX XXXX Complaint # XXXX. Not helpful, taking a long time. Refused to help me, nothing more can be done here.\n\n\n\n\nXXXX XXXX Called XXXX XXXX operator, system hung up.\nXXXX, Corp. XXXX, no help.\nXXXX, Emailed all addresses with Open Issues List.\nXXXX call customer service, eventually got through to a person, she completed everything I said and refuse to assist\nXXXX, called the corporate switchboard number, talked with XXXX again, still does not want to help me.\n\n\nXXXX XXXX, From XXXX XXXX XXXX XXXX (3 minutes ago)\nto me\nGood Morning, \n\nThe second email you sent with your notes copy and pasted has not come through.  I was not able to gain access to your notes through the link you provided either. When you have a moment, would you please resend your email with your notes copied? Once I have those notes, I can submit the fraudulent activity to our fraud department.  \n\nThank you,\n\nXXXX XXXX\n\nUS Bank\n\nI replied, sent an acknowledgement/compliance email first, then copy/pasted the note again into it's own email reply. XXXX received a call from XXXX, a gentleman from US Bank whose name I did not write down or remember, and was responding to my survey feedback. Some difficulty in getting him to tell me whether or not he had read my log, we did determine that he has not read it, I told him if he would send me an email requesting it I would send it to him and he could read it over and then choose whether or not he wanted to provide me with actionable resolution steps.\n\nXXXX calling XXXX XXXX. VM, left VM. \n\n\nXXXX\n\nXXXX no progress yet.\nEmail sent to all addresses nudged, reply all asking for help again.\nXXXX, checking online banking. No changes, no messages.\nXXXX, calling Corp. XXXX. He started trying to learn more about the issues, then started talking over me. End of call.\nXXXX Call, C/S, lots of '0#'. \nXXXXXXXX XXXX. Gave name and intro. Refused to assist or transfer to supervisor, then began to argue about it. XXXX, Calling Fraud, auto system, no human.\nXXXX next #, also fraud, auto system, no human. \nXXXX XXXX XXXX, left VM.\n0815, Found a way to access chat through 'Contact us'.  XXXX. I  gave her the open issues list with a link to my log, she ignored it all and either doesn't know how to help me, or, won't help me.\nXXXX end chat.\nXXXX Email from Social Media Team, \nGood morning, XXXX\nThanks for emailing us again. I understand you still need assistance. I notice you spoke to our ambassador XXXX last week. He is currently out of the office, but if you'd like a different ambassador to reach out, please let us know. \nAll the best, \nXXXX XXXX.\nU.S. Bank\nSocial Media Ambassador | Social Media Customer Care\n\nReplied:\nI AM COMPLETELY SHOCKED AND AMAZED AT YOUR INCREDIBLY DIFFICULT RESPONSE.\nAS IT WOULD SEEM I HAVE NOT MADE MYSELF CLEAR, I AM, AS I HAVE SAID MANY TIMES, STILL AWAITING ASSISTANCE FOR RESOLVING THE OPEN ISSUES WITH US BANK.\nI AM NOT CONCERNED WITH ***HOW*** YOU PROVIDE SAID ASSISTANCE, I AM SIMPLY WAITING ON YOU TO ***START*** PROVIDING ASSISTANCE.\n\nTHERE ARE MULTIPLE OPEN ISSUES AND I AM STILL WAITING FOR YOUR ASSISTANCE IN RESOLVING THEM. PLEASE SEE THE DETAILS PROVIDED AND PROVIDE ME WITH ASSISTANCE TOWARDS A RESOLUTION.\n\n\nXXXX email again.\nSocial Media Customer Service Shared\nXXXX (3 minutes ago)\nto me, XXXX XXXX XXXX XXXX there, XXXX.\nWed be glad to offer our assistance in any way we can to help address your concerns. Please let us know if you would like us to give you a call today and discuss our available options to further resolve this matter. We look forward to hearing from you and being able to further assist.\n\nWarmly,\n\nXXXX XXXX  \nCommunications Rep\n\nPronouns: She / Her / Hers \n\nU.S. Bank\n\nMissouri A Home-Based\n\nReplied:\nI SEE I STILL HAVE NOT MADE MYSELF CLEAR.\nI AM STILL REQUESTING ASSISTANCE WITH THE OPEN ISSUES.\nPLEASE REVIEW THE DETAILS ALREADY PROVIDED TO YOU, AND PROVIDE RESOLUTIONS.\nAGAIN, I DO NOT CARE ***HOW*** YOU RESOLVE THE ISSUES, JUST THAT YOU ***DO***.\n\nAS ALWAYS, I WOULD MUCH PREFER TO NEVER BE ON THE PHONE WITH US BANK AGAIN SINCE YOU'RE ALREADY RUDE, DIFFICULT, AND ARGUMENTATIVE ON THE PHONE. IF THAT IS THE ONLY WAY YOU CAN PROVIDE RESOLUTIONS, THEN PLEASE STOP WASTING SO MUCH TIME AND START GETTING THINGS DONE.\n\nXXXX, Called corp office to see if they would like to help move this along. Got XXXX again. Difficult conversation, I gave him the information he asked for, and then he talked over me, and hung up on me.\n\nXXXX, XXXX from US Bank called me, XXXX \nXXXX\nLots of talking, finally getting down to brass tacks, emailed him my log.\nHad to copy/paste into an email, he can't use the link yet. \nWorks at a branch in XXXX, helps the district with complaints. \nSounds promising, will get back to me ASAP with fraud/dispute case #'s and then work on getting the rest of the issues resolved.\nOpen to call tomorrow evening, same time frame.\n\n\n\n\n\nXXXX XXXX calling corp #. XXXX. I attempted to have a conversation with him, but he kept talking over me.\nXXXX, calling C/S. XXXX XXXX. I gave her my blurb and info, and asked for someone higher up to help me.\nShe became belligerent and harassing, then hung up on me.\nXXXX finally able to login. ONE of the four charges has been refunded to me.\nCalling C/S #, call 2. XXXX XXXX. gave name, req supervisor, gave reason, req supervisor again. She became abusive, I had to move on.\nXXXX, Call #3. \nXXXX Female agent, couldn't get name. I req. supervisor. Refused to transfer. Continued to argue and lie.\nXXXX, CFPB complaint filed, ID FOR COMPLAINT SENT TO US BANK XXXX XXXX XXXX, not a supervisor. Asked for one again. He hung up on me. \nXXXX corp. XXXX, rude C/S agent, refused to listen.\n\n\n\nXXXX XXXX, calling Corp. Switchboard. \nXXXX XXXX. We had an incredibly difficult exchange, but he finally stopped talking long enough for my to get a few words in and I briefly summarized the issue.\nI also confirmed he sees my phone number on caller ID.\nHe asked me to hang on, then hung up on me.\n\nChecking online banking, all four charges are still present. Attempted to dispute charge, told to call or visit branch.\nXXXX, Calling XXXX. Automated system, very difficult.\nXXXX XXXX. Ignoring me, req supervisor. XXXX, hold. XXXX, they hung up on me. XXXX call 2. Automated system, 0# a bunch, hold. XXXX Refused to assist or transfer, asked for the reason for a supervisor right after I told her why, ignored me, talked over me, hung up on me. \nXXXX call 3. Another rude woman, lots of difficult, put me on hold, XXXX After several bad exchanges, she hung up on me.\n\n\n\nXXXX\n\nI stopped by the branch on XXXX  this morning while visiting XXXX  house.\nThe lady I talked to there said I had to have an appointment, no appointments were available, and would not tell me when the next available appointment was.\nStatement email; replied with request for updates. XXXX XXXX  Calling to follow up on open issues. XXXX took my call ( I had to ask for his name), refused to answer my question about updates, and then transferred me to a dead line.\nXXXX, logging in to personal account, balance is XXXX XXXX transfer to XXXX  taken out, XXXX charges completed.\nFound and using dispute transaction link.\nIt says I have to call or visit XXXX, calling. \n\nXXXX  still fighting with the automated system, transferred to the card services fraud department auto system. The system hung up on me saying my phone number is not valid.\n\nBusiness checking account is not showing the XXXX check deposit anymore.\nFound and added XXXX profile to log.\nFiling XXXX complaint. Your temporary complaint ID is XXXX  . If you provided an email address, you will receive an email with your official complaint case number and a link to your case within approximately 48 hours.\n\n\n\n\nXXXX Emailed all addresses above asking for help, copy/pasted open issues, gave log link.\nXXXX XXXX response, complaint sent to business.\n\n\nI had another call this evening where I actually got through to a human. She refused to assist me, wouldn't answer any questions, wouldn't get me anyone else, or a supervisor.\n\n\n\n\nXXXX\n\nXXXX XXXX  from US Bank social media dept called me from XXXX\nHe did not read my log.\nHe lied, saying he does not have access to my log.\nHe failed or refused to provide ANY intended resolutions to the open issues.\nHe then went on to talk over me, and then threatened me, sounded like, 'If you don't stop talking and listen, I'll make you shut up'.\nI hung up.\nI updated the XXXX review with this information.\nXXXX, called the Corporate #. XXXX took my call, I had to ask for his name twice.\nI have him my summary, and he says he would transfer me to the executive office. I asked him not to, and gave him my name and #, which he refused to accept, and transferred me anyway. The line disconnected when he transferred.\n\n\nXXXX\n\nI received some odd text messages last night, perhaps about fraud.\n\nChecked my online banking, found matching charges that aren't mine.\nReplied with 2 to the SMS.\nI called the number in the sms alert, XXXX Suspicious, seemed like spam.\nCalled US Bank customer service, XXXX, rude agents, no help.\n\nCanceled my external transfers into this account.\n\nI went into the branch on the corner of XXXX XXXX XXXX XXXX this morning, and asked for help with this. The girl at the counter was very difficult, did not answer any of my questions, and said I had to call the phone number on the back of my card. I called it again while I was there with her, and I had the same results, the automated system hung up on me. The girl behind the counter said it was my fault because I didn't follow the directions and I needed to keep pushing buttons until I reached a person like the system said, even though the system did not say that. She also refused to tell me the minimum balance necessary in the account to keep the account open.\n\nI then called the so-called corporate phone number, XXXX, and I got several rude people there who talked over me, ignored me, argued with me, harass me, and refused to assist me.\n\nAs I'm not able to find anyone to assist me with any of these issues, and I currently have no further methods of contacting US Bank to ask for help, I don't know what else I might be able to do. At this time I'm simply waiting for the fraudulent transactions to process, and then I'm hoping to find a way through the website to mark those transactions as fraudulent, or to dispute them. Once I'm able to get that resolved I will simply transfer most of my money out of that account, and wait for them to solve their problems.\n\nThe difficult girl at the bank branch did say that my personal debit card is suspended until the fraud alerts are resolved, so nobody can use that card anyway. Also, there was another girl there who started talking at me while I was talking to the first girl and even though I told her I was not interested and I did not want to have two people talking at me she continued to talk at me anyway, saying that the phone number the first girl gave me was the correct phone number, which is stupid because I never asked if that was the correct phone number to call. That same second girl also accused me of yelling, which of course I was not yelling. I then gave them a very clear example of the difference, and they got very bent out of shape and started crying about me needing to leave.\n\nI posted a review for that branch on XXXX XXXX.\n\nXXXX\nReply on XXXX XXXX:\nThank you for taking a moment to share your experience with us, XXXX. Were happy to review this with you to see how we can help. Please send us an email to XXXX with your phone number and reference number XXXX, and we will call you directly to assist. We look forward to hearing from you. Thank you. XXXX  \nI forwarded the XXXX XXXX  email to them with a link to this log and a request to read it, then reply there with their intended resolutions.\n\nThese are the fraudulent transactions:\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\n\nEmail response, they're insistent on talking to me... XXXX XXXX XXXX\nI replied, gave them, my home number, warned them clearly.\n\nAlso, on the business side, I have a check deposit of $XXXX XXXX XXXX  today and I don't know what that is. I know I did not deposit any checks with US Bank today.\n\nXXXX  check Check XXXX Pending XXXX Transaction info  DescriptionCheck  Transaction DateXXXX  \nTransaction timeXXXX XXXX. Typecheck\n\n\nXXXX\nEmail from US Bank saying I've been unenrolled from XXXX.\nI replied asking which one caused it and why.\n\n\nXXXX\nAnother email, correction, customer group is NOT changing.\n\n\n\n\nXXXX\nEmail from USB, saying my customer group has changed.\n\n\n\nXXXX\nEmailed XXXX  to see what US Bank can do for me in business banking.\n\n\nXXXX\nHaving issues. Tried to pay for XXXX order with debit card, woudln't go through. Finally got in to chat with US Bank rep, they said call or go to branch.\nCalled branch, too busy to take my call.\nChat caused my laptop to freeze, had to hard reboot.\nCalling C/S :(\nXXXX XXXX, xfer to business center? XXXX hold. XXXX XXXX. Refuses to assist, keeps arguing, lying, refusing to help, answer any questions, etc. Says she's 'trying to help', but all of her actions have been harassing.\nAt this point, there's nothing we can do to move forward. When US Bank wants to resolve this, they can send me an email to get that process started. Until then, I understand they don't want to assist.\n\nXXXX emailed XXXX XXXX XXXX, email from XXXX, he says credit reports are frozen. For the card, he says if it's international, I'll need to apply for a block to be removed.\nGot a call from him, we talked, he wants to help me fix these things.\n\nAnother email from XXXX, they want all three credit reports unlocked for 48 hours, which I already advised I'm not willing to do.\nAt this point, I'm led to believe that US Bank just isn't interested in helping me, and I've spent too much of my time with this already.\n\n\n\n\n\nXXXX  Visited branch in XXXX today, met with XXXX XXXX, business banker.\nHe got me applied for a business credit card, and said they could also help me with a business line of credit once the card is established in good standing.\n\n\nXXXX\nUnable to login to my personal account. Wrong XXXX, wrong XXXX, no profile found? XXXX\nI stopped in at the XXXX XXXX  branch while I was in town to ask about cleaning up the account issues.\nWorked with XXXX XXXX had to explain things multiple times, but she says she made progress, and the issues should be resolved in 2-3 days.\nI was able to change my business profile User ID. \nThere is no option to be able to manage my business account debit card from my personal profile.\n\n\n\nXXXX\nError persists in business profile.\nMore emails with XXXX Online department is involved, something wrong in the background.\nNo useful information.\n\nIn my personal profile, when I attempt to link my personal external account, I get stuck at the secure access code screen. I get a call, a secure access code, and I enter it, but then the US bank website starts the process over.\n\nI setup a link from XXXX to US Bank, waiting for the trial deposits.\n\n\n\nXXXX\nBumped email to XXXX  again.\n\nXXXX\nIn business profile, I get an error when I attempt to transfer funds to my external account:\n\nYou are not currently eligible for external transfers.\n\n\nYou can view any past transfer activity on your account, but currently you cannot make any transfers.\n\nI emailed XXXX for help.\n\n\nXXXX XXXX, calling to get help linking my external account. I want to link my XXXX account so I can move money back and forth. XXXX XXXX, not helpful, kinda difficult. XXXX  back to queue. \nXXXX XXXX XXXX\nLogged into personal. Changed all options to paperless.\nChanged my username, logged out, logged back in. \n\n\nXXXX\nOpened Business Account\n\n\n\nXXXX\nOpened Personal Account","date_sent_to_company":"2023-05-08T18:50:06.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"763XX","tags":null,"has_narrative":true,"complaint_id":"6942887","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2023-05-08T18:47:16.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["Once I'm able to get that resolved I will simply transfer most of my money out of that account, and wait for them to solve their <em>problems</em>.\n\nThe difficult girl at the bank branch did say that my personal debit <em>card</em> is suspended until the fraud alerts are resolved, so nobody can use that <em>card</em> anyway."],"sub_issue":["<em>Problem</em> accessing account"]},"sort":[5.574074,"6942887"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":6,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":6}]}},"product":{"doc_count":6,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card or prepaid card","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":4}]}},{"key":"Checking or savings account","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":1},{"key":"Other banking product or service","doc_count":1}]}}]}},"issue":{"doc_count":6,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Getting a credit card","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card opened as result of identity theft or fraud","doc_count":2}]}},{"key":"Managing an account","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem accessing account","doc_count":1},{"key":"Problem making or receiving payments","doc_count":1}]}},{"key":"Other features, terms, or problems","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":1}]}},{"key":"Problem with a purchase shown on your statement","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card was charged for something you did not purchase with the card","doc_count":1}]}}]}},"timely":{"doc_count":6,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":6}]}},"company_response":{"doc_count":6,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":6}]}},"submitted_via":{"doc_count":6,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":6}]}},"company":{"doc_count":6,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"JPMORGAN CHASE & CO.","doc_count":5},{"key":"U.S. BANCORP","doc_count":1}]}},"state":{"doc_count":6,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"NJ","doc_count":2},{"key":"TX","doc_count":2},{"key":"IL","doc_count":1},{"key":"NY","doc_count":1}]}},"company_public_response":{"doc_count":6,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":1}]}},"tags":{"doc_count":6,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Older American","doc_count":1}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}