A SOCIAL media user said they were barred from their Chase Bank account after depositing a check for $10,000.
The anonymous Facebook user and bank member alleged Chase closed their account without a proper explanation.
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“I’m seriously over it,” the customer wrote, explaining how they received the $10,000 check from an out-of-court settlement.
After depositing it into their account, the funds got put on a standard, 10-day hold.
Their banking app informed them the funds were transferred, so they tried paying their rent through Zelle.
The user thought it was a glitch from Zelle, but then they tried Cash App which wouldn’t work either.
LOCKED OUT
Once they logged into their Chase app, the user said their login screen read, “Your account has been locked.”
After contacting Chase Bank, a representative informed the user the check needed to be verified.
The user was confused since they thought the check had already been processed and cleared.
The representative said they needed a phone number for the person who had provided the check to the user.
When the user contacted the business owner who gave them the check and shared their number with Chase, the bank still didn’t help.
The user was transferred to a supervisor after a week of no progress with Chase representatives.
SUPER CONFUSED
The user told Chase’s supervisor the business owner who wrote the check had used the same phone number for four years.
They said he couldn’t, “just change his number because Chase uses a janky verification system.”
The supervisor said they’d call the bank to verify the check and request for the user’s account to be unlocked.
The bank was closed though, so she said she’d leave a note on the account and told the user to call back the next day.
Top tips on avoiding scams from a bank
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As scams become more sophisticated with the use of artificial intelligence, it is important you know how to spot a scam:
- Be skeptical of online deals that seem too good to be true, especially on social media.
- Scammers will often use tactics to make you panicked so you make quick decisions – be cautious if you are told to take immediate action and verify who has contacted you.
- Chase Bank warns customers to “never return any unexpected funds without calling Chase first.”
- Never send money to someone you have only spoken to online or by phone as this is likely a romance scam.
- Unless you 100% know who you are talking to, never give someone remote access to your device.
- Never accept help from strangers at an ATM and always be vigilant when making withdrawals.
- Do not send money or click any links indicating that you have won a prize.
Source: Chase.com
However, the user was directed to a less receptive supervisor who refused to call the bank or verify the phone number.
“She was being willfully ignorant, [and] even said there weren’t any notes left on the account after the supervisor said she would leave one,” they wrote.
The user said they filed a complaint with the Consumer Financial Protection Bureau, CFPB, and will consider legal action.
JPMorgan Chase did not immediately respond to The U.S. Sun’s request for comment.
MORE BANK BUSTS
Another Chase customer threatened to boycott the bank for Bank of America instead.
The user also shared their story anonymously on Facebook and said Chase was holding their two checks worth $3,500.
Chase wanted the user to share the check sender’s phone number.
When the user gave them one, the bank said it wasn’t verified in their system although the check sender confirmed it was correct.
The U.S. Sun has more stories on major banks such as Wells Fargo, SoFi, and PNC Bank.
A quick trip to the gas station caused one bank customer to lose “every penny” in their account.
Meanwhile, one Chase member was under immense pressure after the bank held onto a business loan for $56,000.