Complaint Review: JP Morgan Chase Bank - New York

I asked if there were any extra fees involved knowing that with most companies, fuel and such is an added charge. They said well fuel and travel time is a cost but it’s all built into the rate to keep things simple.  A lot of companies put travel time and fuel separately depending on how far the move is, but if they wish to do that, I guess that's OK.  But tape, boxes, wrapping, and any other supplies are all extra.  It sounds like you assumed the supplies would be inclusive, but there isn't a mover out there I know that wouldn't include those as extras.

I could’ve bought rolls of Saran Wrap for cheaper than 75.00 a roll and tape cheaper than 8.00 a roll.  And you would have wasted your money by buying it yourself, or at least be forced to return all of the supplies after the move.  Moving companies always use their own supplies, not the supplies a customer will buy for them.  It's all in your contract.  The only thing a mover will accept from a customer is cold water on a hot day.

I said so if we want to think about getting any of the other money back I’ll have to contact a lawyer?  That was a really bad move to even bring up a lawyer, for a number of reasons.  First, as you said later, the mover will believe you are planning to sue.  You hoped the mere implication of a lawyer's involvment would extract more money from the mover.  A truly stupid assumption on your part because movers are not only well acquainted with the laws governing their industry, they're advised by their lawyers to stop corresponding IF they believe for even a second there may be a lawyer involved.  Second, lawyers don't want to take on a mover for a number of reasons - most of which have to do with the fact that there are specific laws on the books protecting movers from consumer lawsuits to exactly what is in the contract.  Thirdly, there isn't anything for you to collect, or for the lawyer to earn money off of - so lawyers won't sue a mover because there is nothing in it for them.  Fourth, your contract with your husband's nice big signature on it, will likely include provisions for the mover to charge you for all of the supplies like tape and wrap you assumed were included.  One lawyer I know turns away a potential customer if he finds out the potential customer is going to sue a mover.

He put words in my mouth and consistently lied to me.  No, you made assumptions that weren't true and opened your mouth, when you should have simply taken the $159.00.  Now, you're likely out the $159.00, unless you file a small claims suit, and yes, I would stop responding to you as well.  Based on your own words, he was very professional to you, and from what you wrote, he didn't lie either.  Instead, you made a lot of assumptions and implications throughout the move that really did not serve you well.

Moving is not an inexpensive venture.  Research moving before you decide your going to move, and then stay off the internet when finding a mover....

Unfortunately there is a harsh reality that you don't seem to be grasping.

First off you were originally asked what is the reason they are withholding your funds. You answered by saying you are filing complaints with various agencies and then a rant on how big entities think they can just steal money.

You stated your account was "hacked". Based on the narrative you provided, it wasn't hacked someone DEPOSITED money into your account. Now, the question becomes how did they get your account information? Did you provide it to this "company" or did they just randomly pick your account and deposit it.

The confusing part here is you talk about Chase giving you a temporary credit. A credit indicates that Chase put money into your account, but this makes no sense if you are saying a DEPOSIT was fraudulent. If this was a deposit you weren't expecting, you shouldn't have spent any of the money and when it was then reversed you would not be out any money, thus no reason for a credit.

So either you don't pay attention to your account and ended up spending money that wasn't actually yours, where once it was reversed you ended up with a negative balance. Or you knew of the deposit, meaning your account wasn't hacked, but then you spent it figuring it was valid only to have it reversed at a later time. Putting you in a negative situation. Again, in both situations any negative balance becomes YOUR responsibility.

You seem to think that Chase has some requirement to alert you of a fraud. As was explained by others, banks aren't going to know if a transaction is fraudulent until you report it. They get millions of transactions every day and that is just not something a bank can always determine. Yes, you MAY have been alerted in the past but that was because the transaction met specific criteria. It doesn't mean they are going to catch or are now obligated to catch every one for all eternity.

I am still really confused as to what exactly you are wanting to subpoena? And why you seem to insist that they don't close the account, but now are shocked that your funds are frozen.

You also continue bringing in more agencies that you want to complain to so let me help you out.

I haven't seen anything that would qualify as a violation of the Americans with Disabilities Act, and really confused on exactly what "Human Rights" violations they committed. I also don't see anything that any regulatory agency would be interested in.

The harsh reality here is that nothing you have described shows that there is any illegal actions on behalf of the bank. The ONLY legitimate complaint you MAY have is them withholding your funds and if that exceeded the legal amount of time. But again that is the ONE question that instead of answering you go off on some 90 degree tangent bringing in just about every irrelevant argument you can to try and show that you are right.

Where the only thing it does is expose how little appear to know.

Good Luck

Chase used to alert me about my own buying activity via text, asking if it was fraudulent.  Correct because it was spending activity for which a location and a vendor name has to be provided.  When money comes into your account, as you said, there is no trace to show where it comes from.

As it is I had to warn them I would subpeona if needed.  So?  It's your account, not the bank's account.  Whatever you think you need to do to protect your money and your account is what you have to do.  If you think you need to subpoena the bank for records, then good luck with that.  It won't change anything regarding the status of your account.  By the time the legal department decides how they're going to handle it, the hold period will be over, and the subpoena moot.

Banks absolutely are obliged to alert a LONG term fantastic customer in good standing of fraus alerts.  I think this is where the disconnect comes in.  Perhaps in your own mind are you a fantastic customer; to the bank, you are a customer without any adjective.  And no, there is no such obligation to provide an alert - it is a service.  If it isn't part of your account agreement, then there is no obligation.

What planet are you from? Earth.  Perhaps you should recheck which planet you're on.  Perhaps you're in Oz?

The reason someone utilizes a bank is because we trust the entity to protect our funds, not commit federal crime by stealing government issued funds.  No, the reason we utilize a bank account is so we can transact business without the need to carry large amounts of cash on our person.  The bank is simply a facilitator for us to transact business.  That's all a bank is.  Now the bank has certain regulations they have to live by to protect both consumers and themselves, but so far, you have YET to single out one area where the bank failed to do anything except protect you.  Yes, you currently lack the access to funds, but you made the decision to try and keep your account open - a very unwise move on your part.  At this point, they will likely close your account, since you are no longer a fantastic customer (perhaps using a different adjective than fantastic?), and hold your money for 30 days until all transactions have cleared.  Then you can have your money.  Note you agreed to this when you chose to continue banking with Chase.  As I already said, all banks do this as a part of closing an account and terminating a relationship with a customer.

TheNY State AG agrees.  The AG agrees your money should not be stolen.  It hasn't been.  Therefore whatever the AG says in this regard is irrelevant.

You do not have a valid complaint.  You had someone hack your account.  It's unfortunate, but it happens.  You tried to keep the account open for whatever reason (probably the unemployment check) and now your funds are frozen.  You could have opened a new account and directed the bank to make sure the incoming unemployment check goes into your new account, until you contact the state to provide new account information.  Instead, you chose to try and keep the account - for whatever reason.  Now the funds are frozen - not stolen - and you have to wait.

 It sounds as if you are having a great time making fun of my life, my troubles and how I have been deprived of my money which I need to live all while I deal with a difficult disability, Jim. Is this your point? Because discrimination is not the point of my post, but it is what you are doing right now. Perhaps you arent aware of your own behavior. The assessments you are making under color of law are incorrect nor will I continue to respond to them. There is such a thing as true banking law, human rights, the ADA, regulatory agencies and they are all being invoked. No one can deprive me of my rights under color of law. Which agency do you represent as a masked perp?

I was hacked by a fraudulent loan company Ace Cash Express who remotely deposited a fraudulent check into my account. Chase DID NOTHING to alert me.  No bank has has an obligation to alert you about something they have no idea is fraudulent.  There isn't someone or some machine that oversees every single account to look for fraudulent activity, and then notify you.  It isn't like a credit card where the location of the charge has to be disclosed.  When you open an account, you sign an agreement, and the bank makes an assumption you know how to manage a bank account, since the account belongs to you - not to the bank.

What you have is someone using a fake name or purporting to be someone they aren't, making an untraceable deposit into an account.  If the hacker's funds come back, then the hacker knows there is no valid account and tries again.  However, if the funds don't go back to the hacker, then the hacker has a valid account and ACH number, and can initiate ACH transactions to come out of your account.  None of this is something the bank would recognize until a customer comes in and notifies them that someone is manipulating their account - at which point you would have to close the account, and open a new account to counteract the hacker's activity.

I protested, let their Primary Federal Regulator, the OCC, FDIC and FTC know. My unemployment funds inadvertantly began being deposited into same account. Greedmongers see nothing wrong with committing Federal crime of fraud, stealing and witholding my funds which are exempt. I told them several times not to close the account as I would have to subpeona the records.  Well, I'm not exactly sure how reporting a hacker's activity to the OCC, FDIC, or FTC will help - certainly notifying them of the bank's activities is a worthless endeavor because they did nothing wrong at this point; everything they've done based on your narrative, was proper.  I also don't know how you get around not closing your account and opening a new one - I mean the hacker has your banking information and once they have that, the bank can't stop anyone from draining your account.  Insofar as withholding the funds, the bank now sees the entire account (and you) as a risk, and the entire account is now on hold, which is why the funds are being held, pending a full accounting.  It's one of the reasons why you close the old account, and open a new account - had you done that, and redirect the unemployment funds to the new account, then the funds would not be held.  I should add many banks would see you as a huge risk, close the account, not open a new one, and hold what's in your account for 30 days pending a full accounting.

FBI prosecutes cybercrime and I hadn't wanted them in my accounts before but if Chase manages to close the account they may just get away with this, so I'm considering reporting it to them.  And if the cyber criminal is in China or Eastern Europe, then what?  That's where many of them reside.  I mean the person who is hacking your account isn't stupid enough to be located on US soil.  Since the FBI can't prosecute anyone on foreign soil, I'm not sure of the good it would do.  Closing the account and opening a new account would have been the prudent thing to do.

Full disclosure:  I do not work for this or any bank.

 Chase used to alert me about my own buying activity via text, asking if it was fraudulent. I have had this account since 1994 when it was Bank of NY and need the account to remain open for another legal matter. As it is I had to warn them I would subpeona if needed. Banks absolutely are obliged to alert a LONG term fantastic customer in good standing of fraus alerts. What planet are you from? The reason someone utilizes a bank is because we trust the entity to protect our funds, not commit federal crime by stealing government issued funds. TheNY State AG agrees.

 I was hacked by a fraudulent loan company Ace Cash Express who remotely deposited a fraudulent check into my account. Chase DID NOTHING to alert me. I had to go to the bank to point it out to this lazy bank. They temporarily credited my account, then took the credited money back. Two months later, I get a letter saying they were going to take back the substantial amount I was hacked for AGAIN.

I protested, let their Primary Federal Regulator, the OCC, FDIC and FTC know. My unemployment funds inadvertantly began being deposited into same account. Greedmongers see nothing wrong with committing Federal crime of fraud, stealing and witholding my funds which are exempt. I told them several times not to close the account as I would have to subpeona the records.

I hate when big powerful entities think they can just steal from the disempowered and wondering who/what agency will actually help me. FBI prosecutes cybercrime and I hadn't wanted them in my accounts before but if Chase manages to close the account they may just get away with this, so I'm considering reporting it to them.

You left out a few things. You go from being hacked a few months ago to having your funds being withheld.

First off how were you "hacked"? What do you think Chase should have done to proect you?  How long after you were "hacked" did you report it, and what did they do about it?

As for the funds being withheld. What is the specific resaon they are withholding the funds?