Date Received: 2023-12-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My debit card was used to purchase things from XXXX XXXX for {$190.00} in XXXX XXXX, CA. XXXX and XXXX XXXX {$22.00} in XXXX XXXX, CA. XXXX XXXX {$5.00} XXXX XXXX XXXX, CA. XXXX XXXX XXXX {$15.00} and {$10.00} XXXX XXXX, CA. These purchases were not made on XX/XX/XXXX and also not by me as I was in XXXX XXXX, CA at the time. I noticed my card was gone when I went to XXXX in the box on XX/XX/01 and had to use my phone to pay and when I got to my job I checked my account to lock the card and noticed the charges. Ive called my bank twice and at first they refunded everything, but on XX/XX/01 they declined my claim. I called them again and they said they declined it because I never reported the elite smoke charges even though I did so they refiled the claim. Then, I got an email saying they declined the claim and when I called again they told me its because they needed proof that I didnt use the card. However, they approved the claim for XXXX XXXX XXXX, but declined the other ones. Im unsure on how to get proof other than me buying food at XXXXXXXX XXXX XXXX XXXX in XXXX XXXX and my card being used at XXXX XXXX around the same time. I would appreciate any help thank you so much.
Company Response:
State: CA
Zip: 91605
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: JP Morgan Chase XXXX XXXX XXXX XXXX. New York, XXXX XXXX Dear sir, On XX/XX/2023, I received an email from your company ( XXXX ) that notified me to be credited on my account of Chase Bank . Therefore, I logged in and found out I was charged by XXXX XXXX on XX/XX/XXXX and posted on XX/XX/XXXX. Since I do not have time and quite busy not to have enough time to play computer game myself, I can not recognize what is this charge at all. I wanted to dispute but the bank site gave me the option only to complain and lock the account. I enclose the printout of the charged amount {$8.00}. Anyway, I have checked the letter which the company asked me by email. I tried to find out {$10.00}, but I could not find out the refund. Since the date on the letter indicated XX/XX/XXXX, I believe Chase did not refund {$10.00}. Instead of it, it charged {$8.00}. Since I continue to have the issue regarding the game site of XXXX, which I do not recognize at all, I would like you to stop XXXX charging the digital games. Since I have more letters and claims to be filed, I do not send the letter to XXXX ; so, would you check by yourself whether it has the digital game called XXXX XXXX. From the beginning, have you ever checked whether so-called XXXX XXXX exist or not in this world. I request to refund all the charge made by XXXX XXXX in record. If you state this digital game have been existed and lost this existence, would you explain logically and calculate precisely, and refund me appropriate total. Sincerely,
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
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: On XX/XX/2023, I made a transaction with TICKETS XXXX ( XXXX XXXX XXXX ) for XXXXXXXX XXXX XXXX ( organizer XXXX XXXXXXXX ), totaling {$390.00}. I initially filed a chargeback because the event failed to meet its advertised expectations, particularly concerning security, services, and facilities. The first day was unexpectedly canceled due to incomplete stage construction and lack of permits from the NYC Department of Parks and Recreation. Although XXXX XXXX publicly promised full refunds, no customers, including me, have been reimbursed. The event also experienced significant delays, and the real stage designs and layout were not as advertised. The final day was oversold, leading to violent interactions between security and attendees. The entrance was closed by order of the City of New York and the New York Police Department due to illegal overcapacity, resulting in attendees breaking through barriers. There were reports of security personnel accepting bribes and allowing non-ticket holders to enter. Amenities, like bathrooms and seating areas, were inaccessible due to overcrowding. Despite all these issues, my chargeback request was denied, which I believe was due to an oversight or misunderstanding of the evidence and context of my claim. Additionally, there was another charge on my account dated XX/XX/2023, for {$220.00} from XXXX XXXX for XXXX XXXX, which I did not dispute. However, I faced the same issues with this transaction as with the previously disputed charge. After experiencing the multiple issues at XXXX XXXX 2023, I took proactive measures to address the situation. Here are the steps I undertook to resolve the complaint : Initial Chargeback Request : I filed a chargeback request with Chase Bank. My primary reasons for this request were the cancellation of the first day due to permit issues, extreme delays, the abrupt and unexpected denial of entry to all ticketholders on the third day, false information about the event, and the overcrowding and security issues. Review of Denial : Upon receiving the denial of my chargeback request, I reviewed Chase 's decision letter. I believed that the circumstances of my claim were either not considered or misunderstood by the bank. Collation of Evidence : To substantiate my claim, I gathered various supporting documents, including photographs comparing the advertised stages to the actual stages, public statements from XXXX XXXX about refund promises, details of class action lawsuits against the event organizers, and press clippings that outlined the illegal actions the event organizers took with quotes by the police and city officials. Redispute Letter : I then drafted a formal letter to Chase 's Redisputes Team, detailing my grievances and providing the collected evidence. In this letter, I highlighted the significant discrepancies between what was advertised and what was delivered, stressing the event 's failures. I explicitly requested the reversal of the charge, emphasizing that the decision to deny my chargeback was not in alignment with the actual circumstances. Open Communication : Lastly, I expressed my willingness to provide any further information or clarification, ensuring that I remained accessible for any queries or discussions related to the dispute. Despite all these efforts, Chase Bank still sided with the merchant, which has led to my decision to file a complaint with the Consumer Financial Protection Bureau.
Company Response:
State: NY
Zip: 11211
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Chase bank suspended my account in XXXX without mailing me a check, its been three mouths now. They withdrew my money left in the account to Chase Claims Department without my permission. And they did not give me an approximate time for when Ill be able to get my money back. Im in a hurry for the money and if they dont give me an answer, then Ill go to the police department to accuse them on the court.
Company Response:
State: NY
Zip: 14618
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I will attach pdf file I reported to XXXX These inquiries are not authorized. This is fraudulent and request to have the following inquiries removed. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Company Response:
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I tried to use my ATM card and it was not working. I have my rent money in the account and when I called they told me that my account was closed for their own personal reasons and would not give me an explanation. I am going in to the branch tomorrow to see if they will let take my rent money out because I need it. Its almost XXXX and I dont want to get evicted because I cant pay the rent I have XXXX children and I am a XXXX parent. I am hoping they will let me get my money out in the morning.
Company Response:
State: AZ
Zip: 85308
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On Thursday, XX/XX/2023 it came to my knowledge that my Chase credit card account ending in the last four digits of XXXX was initiated to " account closed ''. I found it perplexing and strange that my credit card was closed when I had used it the day prior with no issues while making purchases. I have been a member of my Chase credit card for approximately the last XXXX to XXXX months, so I am just fairly new to establishing a business/customer relationship with Chase. I proceeded to call the customer service number listed on the back of the credit card to learn what was going on. I was informed by the representative that they had limited access to viewing the reason for the account being closed and they were not able to give me an explanation for the closure. I then proceeded to go to my local Chase bank and speak with the manager of the branch. The manager of the branch informed me that they were not able to see what was the reason for the closure and that it was strange there was no reason listed. The branch manager then further informed me that I needed to call the number on the back of the credit card and that I should be given a reason as to what happened. I proceeded to call again and eventually, a representative I spoke with informed me that Chase was going to send out a document by mail for the explanation of the account being closed. I was further informed that something was mentioned with the words " negative media '' as a reason for the account being closed but the representative could not elaborate more on the reason. I informed the representative that I do not have social media and have never mentioned any negative news media about any bank, especially Chase, so they must have the wrong person with whom they are closing the account. I thanked the representative for their time and concern into the matter. I am now unfortunately and sadly having to submit a complaint with CFPB in regards to this situation. The credit card that I had with Chase for the last XXXX to XXXX months was a credit card with a credit limit of {$500.00} and I have always paid on time during the duration of having the credit card. There has never been any derogatory, delinquent, or negative/suspicious activity, action, or remark with my account, which I even verified with the representative when reviewing my account. I am now requesting that CFPB take the time to look into this situation and that an amicable solution can be reached. Not sure if this was some system error of Chase, but my account should never have been closed. I have maintained the account in good responsible standing as well as the rest of my bank credit cards that I have. Never have I not paid a bank for the credit I have used with my credit cards. This is the first time experience that a credit card account of mine has been closed without notice. The best solution or outcome would be that the account be re-opened and continue to establish a credit history with Chase to keep reflecting on my credit report with the credit bureaus. However, this unfortunate and unforeseen event of my account being closed harms my overall credit history and reporting with the credit bureaus. I never authorized the account to be closed and unfortunately, I find it very unfair and as a deceptive practice that the bank has the decision/discretion to close an account without notice at any time. There is just no legitimate valid reason for the account being closed. Thank you for your time and consideration in this matter.
Company Response:
State: FL
Zip: 33166
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
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: Original Complaint On XX/XX/2023 I purchased a piece of furniture for {$2600.00} from XXXX XXXX. The purchase was made via my Chase credit card. The order form stated a delivery date of late XXXX - early XX/XX/2023. As of XX/XX/2023, the item was not delivered. I contacted the company and was told the item would be sent in XXXX. The item never came. I contacted the company again and was told it would be delivered in XXXX. Come XXXX the item never came. I contacted the company and was told maybe next month. At this point the company was not giving me an estimated date, and I felt the like the order was a fraud. I told the company in an email, " unacceptable '' I know longer want the merchandise. It was months past the delivery date. I did not get a response. Come XX/XX/XXXX, the company dropped the item off at my house. I did not sign for it. I contacted the store, and they are currently in XXXX XXXXXXXX. They are now run by a liquidation company. I called my credit card Chase to dispute the purchase. Chase opened the dispute under the category " item not received ''. The company provided the delivery date and Chase closed my dispute. I reopened the dispute, telling Chase all of the facts. Chase closed the dispute this time stating I did not attempt to return the item. I did in fact attempt to return the item, and I did not accept it either. Company 's Response We reviewed your account and confirmed that our previous findings for your {$2600.00} charge from XXXX XXXX on XX/XX/2023. The charge is valid because we have not received valid supporting documentation showing you attempted to cancel prior to delivery, and attempting to return the product. If you can provide proof that you told the merchant that you wanted to cancel prior to the delivery date and requested a refund with the merchants response ; we will review the case again. The documentation that we received is not valid, it does not indicate you requested to cancel and want a refund. The charge will remain on the account. We encourage you to work with the merchant directly, or seek other options outside of the dispute process to obtain a credit. My additional information, I did provide evidence that I wanted the order canceled. Attached I am providing the whole email change. I clearly asked to have the order canceled.
Company Response:
State: FL
Zip: 33442
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Chase denied my claim! There whole fraud operation team is just over seas XXXX workers! They dont understand the scams that happening in the XXXX XXXX They denied my claim- XXXX if I am not refunded for this I will be opening the biggest lawsuit you have ever seen.
Company Response:
State: MI
Zip: 48917
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Other transaction problem
Subissue:
Consumer Complaint: cc : Consumer Financial Protection Bureau, Complaint ID XXXX We can confirm that we received a secure message on XX/XX/XXXX, but we did not receive any alert through e-mail. On XX/XX/XXXX, we sent the updated beneficiary name to Chase through secure message. On XX/XX/XXXX, we received a response back informing us that the amendment has been forwarded. As of XX/XX/XXXX, we don't know whether the updated beneficiary name was accepted and the funds were applied.
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A