Date Received: 2023-12-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Chase Bank in XXXX XXXX on XX/XX/2022. My account was frozen unable to use funds. Use ATM or debit card. When I tried to resolve the problem Chase Bank said it was fraud and there was an investigation. However, they could not provide a claim number to supposed investigation or any information pertaining to why my account is locked. I was told to contact the sender which makes no sense.
Company Response:
State: CO
Zip: 80910
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I ordered through Chase gift cards ( {$800.00} in total ) using points on XXXX. They said the cards would arrive XX/XX/XXXX. On XX/XX/XXXX I called because the cards hadnt arrived and was told to call back in a few days ( i.e. give it a few more days ). I called back XX/XX/XXXX and was told the cards had in fact been delivered XX/XX/XXXX ( on a Sunday? ) and they needed to " escalate '' the matter ( open a claim, for which I received a ticket # ). I called back after XXXX and was told the cards were coming through XXXX and received a tracking number. The cards are showing on XXXX that they have not been sent out. The person ( XXXX ) I spoke with today said I would have to open a claim with XXXX. After asking to speak with a supervisor, I waited on hold for quite some time ( not the 40 min. they projected, more like 15-20 ) and spoke with XXXX a supervisor. XXXX was the most indifferent of the lot. I asked for the points to be added back to my card. He said they could resend the cards and the others would be cancelled, but he could not cancel the cards and just put the points back. Then he said he would open an escalation ( no number to provide, though I got one the first time ) and that someone in Marketing would decide if the points could be restored to my account; if not, then the cards would be sent via XXXX (! ) and arrive within 3-5 business days. XXXX epitomized customer no-service.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Chase is engaging in predatory practices in failing to credit payments against my credit card account in a timely manner and in not crediting the card for merchandize that was ordered, lost in transit, cancelled and not received. I have spoken to it about these problems to no avail. In the course of these illicit denials of credits on the account, that total nearly $ XXXX ( {$5900.00} ), Chase has falsely claimed that I am over the credit limit for the card and has probably degraded my credit score as a result. In addition to these problems, for many months now, Chase online banking frequently has not been available, in whole or for particular functions, unpredictably, so much so that it is impossible to get up-to-date, accurate information from it, reliably, or to make payments in a timely manner, often. Similarly, the confusion created by its website has also resulted in frequent over payments that Chase then refuses to refund, including double payments made in a short period of time. Around XX/XX/2023, I noticed that a XXXX XXXX company, XXXX XXXX XXXX, was advertising 2-day delivery on items ordered from its website. This proved to be false, misleading and deceptive advertising to increase sales, that Chase and the merchant now want to force me to pay {$960.00} for. After I placed an online order by or some time before XXXX XXXX, long-after the alleged XXXX delivery date, I got a call from the merchant claiming that they needed to verify information on the order already provided, in writing, through its website. When more time passed beyond the advertised delivery date, I called the merchant again to indicate that the items had not been delivered as advertised, by XXXX XXXX. At that time, the person I spoke to changed the original order number ( XXXX, placed through their website ) to a second order number, XXXX. The second order, under the new order number, also failed to arrive in the same 2-day advertised period. At one point, the merchant claimed that it had delivered the items, but the postmaster where it was to be delivered denied that any delivery was made. ( There is some indication that the XXXX center in XXXX, MD, habitually falsifies delivery dates without consequence and has for many years. ) At that point, around XX/XX/XXXX, I spoke again to the merchant and told them that the shipment was lost in transit, I never received it, and, furthermore, I no longer wanted the order since I had been repeatedly lied to by XXXX XXXXXXXX XXXX. When I spoke to the merchant, I told the man I spoke to, to cancel the order. Several days later, on XX/XX/2023, I got an email from the dishonest merchant indicating that the second order number had shipped. I immediately responded via email indicating that the order had been cancelled, the merchant did not have my permission to abuse my credit card in its bait and switch game, and I repeated what the merchant had been told days previously. Around XXXX XXXX, I called Chase to alert them to the problem and told them that there should be no charge on this credit card from this dishonest merchant. At that time, Chase claimed that there was no charge from them and that therefore, it would do nothing about it. This is not the first time, I have alerted Chase to an ongoing problem to try to defuse it before it becomes a larger problem, and Chase always refuses to take any effective, prophylactic action on it. Chase more typically tries to cram illicit charges down the throats of card holders for specious, petty reasons, as it is attempting to now. However, the errant charge now is showing to have posted on XXXX XXXX. Please listen to the recording for this conversation, as it is clear that Chase does nothing to prevent these kinds of problems from occurring or snowballing and may even lie about posting dates so that it can avoid issuing credits for illicit charges. Concerning payments to Chase, recently I made an electronic payment to this credit card for {$4900.00} from my JP Morgan checking account through online bankings bill payment system. However, the date of the payment was changed from a few days ago to XXXX XXXX, ensuring that the payment was not made. Around the same time, the illicit charge from XXXX XXXX XXXX posted, despite my warning to Chase, on XXXX XXXX.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: A lady from this phone number in XXXX MO called and said they were lowering my interest rate in my Chase CC and I knew it was a scam and I hung up. Here is the number ( XXXX ) XXXX
Company Response:
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Both of my accounts were permanently closed on XX/XX/, and XX/XX/, respectively. At the time of closure, there was a balance of {$15000.00} in my checking account and {$4000.00} in my savings account. These funds were not returned to me following the account closures. I have contacted customer service numerous times. Based on these conversations, I understand that my accounts were flagged as fraudulent. It was explained that the remaining balances were considered suspicious because they were transferred via XXXX, making it difficult for the bank to verify the legitimacy and intent of these transactions. Additionally, I was informed that some transactions were reported as fraudulent and consequently reversed to the sender. Upon reviewing my account 's incoming XXXX transaction history, I noted that all but seven transactions were from friends of mine so they will not be reported. The remaining seven transactions were from individuals I do not recognize. However, I am prepared to provide explanations and evidence to justify these seven transactions. On XX/XX/XXXX, I engaged in a currency exchange with an individual based in New York, conducted online. I transferred XXXX XXXX XXXX to him, in exchange for XXXX USD. There is a notarized translation of our chat history confirming this exchange among my supporting documents. Unexpectedly, I received the XXXX USD over XXXX days, XX/XX/XXXX and XX/XX/XXXX, through XXXX separate transactions from accounts with names I did not recognize. This approach initially confused me, but the individual later explained that it was due to a daily limit on outgoing XXXX transfers. Here are the details of these XXXX transactions : XX/XX/XXXX : XXXX. XXXX XXXX : {$240.00} XXXX. XXXX XXXX : {$420.00} XXXX. XXXX XXXX : {$470.00} XXXX. XXXX XXXX : {$490.00} XXXX. XXXX XXXX : {$490.00} XX/XX/XXXX : XXXX. XXXX XXXX : {$490.00} XXXX. XXXX XXXX : {$490.00} These transactions constitute all the funds received from unfamiliar accounts. Apart from these, I recognize every other XXXX sender. To further substantiate the legitimacy of the transactions, I have spent considerable time gathering notarized letters from my friends who have made significant XXXX transactions with me throughout 2023. These documents, evidencing the willingness and voluntariness of the transactions, are also included in my supporting documents.
Company Response:
State: NY
Zip: 111XX
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: This is XXXX XXXX, on XX/XX/2023 someone hacked my phone/sim ( XXXX ). They hacked my banks, emails, and also my identity. That same day in the morning I went to Chase Bank to change my account number and information. That same evening the hacker did a transaction once again from that new account. I called customer service and stopped that online transaction. Later on XX/XX/XXXX, I went to the bank and changed my account number again and gave them my new phone number. Somehow whoever still got access to everything again. I went to the bank again and they said to change my device and get another new number from another XXXX. I did that but some days later it started happening again. XX/XX/XXXX I received a notification on my phone from the online banking app that my information was updated and I had to call customer service to lock my account. I later went to the Bank the same morning and was talking to an employee who was helping me contact customer service and at that same time somebody transferred XXXX XXXX Dollars ( {$40000.00} ) to a company ( by wire ). I told them to stop the transaction, the person who was assisting me was also telling the customer service line that it's not me but even though the person was sitting right in front of me the customer service didn't stop the transaction but instead took a claim and said they are going to start an investigation. Few days later I received a letter from the bank that stated no action will be taken. I called customer service once again and they told me that they did not find any fraud so they couldn't give me my money back. They told me they sent a code to my phone before the transaction but that was my old number which the hackers still had access to. They were changing numbers. I told the bank and the bank knows everything but after everything how does the bank still add my old number to my profile when I changed it to a new number. The bank couldn't give an exact answer but they couldn't give me my XXXX XXXX dollars back.
Company Response:
State: NY
Zip: 10472
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: 2 transaction took place on Chase Credit card in the amount of {$320.00}. Purchase was sent back to sender after XXXX XXXX failed to deliver item due to weight. # XXXX 1st transactions refunded on XXXX XXXX and 2nd transaction action charged and never refunded on XX/XX/2022 # XXXX for {$320.00} never refunded credit card closed account after Chase XXXX out card after lump sum payment of {$2800.00}, even after proof of fraud rejected by Chase Interest for Cash advances paid in 24 hrs still being added to close account. Several payments and refunds has been stolen. Store receipts reflects total, Chase adds extra change to purchases reported for an XXXX XXXX purchase refunded for a never received funds after order was shipped for out of stock goods.
Company Response:
State: CA
Zip: 90732
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Credit card ending in XXXX was closed after being remaxed out after lump sum payment of {$2800.00} was paid out of income tax to pay off credit card XX/XX/XXXX. I XXXX XXXX had been dealing with fraud which drop credit score. Proof was provided to Chase regarding fraud case, police report was rejected by Chase bank and suggested closing the account XXXX after agreement of paying off card. Cash advance interest on card keeps going up even tho all cash was paid in 24hrs. Refunded transaction still added to account, not excluding stolen refunds for lost items. Also being charged extra change along with original purchases. When brought to the attention of XXXX for noticing several transactions. Overdraft checking account with large amounts ( XXXX ) on auto pay without my consent, knowing funds not available Overdraft protection off. Deposits be missing with explanation. Take recent transactions and view!! ( XXXX ) Chase has been stealing from me since I became a customer in XXXX, first {$10000.00} income tax check disappeared.Forced to closed credit card account to avoid interest still being added. Refuse to pay off after agreement broken after lump sum paid out. Action case the cut of other credit card agencies such as XXXX XXXX lowering credit limit to {$700.00} from {$1000.00} after several lump sum payments also, stop payments due to chase actions.
Company Response:
State: CA
Zip: 90732
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I opened a Chase account on the basis of using the account for the United Airlines mileage points. After opening the account, the bank blocked my access to online bank. When I tried to call them to restart the process, then a rep claimed that they could not verify me even though I provided the telephone number on file. They claimed that they could not text the number. Meanwhile, when I went into the online portal to change my address, then I got block from the online portal access. I later discovered that Chase experienced " technical difficulties '' with its website. However, when I called about the matter, I got informed that someone would call me back. To date, the matter remains unresolved. That is, Chase fails to honor its agreement regarding my mileage points while also denying me access to the card. When I asked about closing the account, I got informed that I needed to use the online portal or visit a bank directly.
Company Response:
State: MA
Zip: 01002
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I basically lost my card before I left the us for vacation I saw the transactions 2 days later so I called them & told them they gave me my XXXX & I was good It wasnt until a month later I check my account & its negative with the same amount they gave so I called & told them & they said that happens sometimes & I owe them money now. I also asked what can I do to fix the problem & they never told me
Company Response:
State: NY
Zip: 10469
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A