Date Received: 2023-12-06
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: Im a XXXX XXXX. My boyfriend and I were booked on a trip to XXXX when a state of emergency was declared thru XXXX XXXX ( presidential candidate assassinated and riots started, so we cancelled the trip. I approached the travel company in XXXX ( XXXX ) and they refused to refund anything ( have paper trail ) charges XXXX XXXX.Also the invoice never had our name on it.. I used my Chase Visa, after 2 disputes submitted with documented proof, I did not get a penny back. Though Chase prides themselves on customer service, they were rude. when I called numerous times they blew me off. It was difficult to get a representative honor my request to speak with a supervisor. When they placed the charges back in my account Chase did not inform me ( XX/XX/2023 ) .I only discovered by checking my visa account on line as I frequently do. I do not believe the documentation I submitted was read. The trip was XXXX XXXX. I filed the 1st dispute around XX/XX/2023 with a customer service representative. My boyfriend also filed a dispute with his credit card co. and HIS CHARGES WERE REFUNDED.
Company Response:
State: FL
Zip: 33308
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The month of XXXX JPMORGAN CHASE did not pay my mortgage. I used their bill pay on my app. It has been set to automatically pay my mortgage on the XXXX of every month. However, there was some sort of malfunction and they missed paying it in XXXX, but managed to make XXXX payments in XXXX ( XXXX and XXXX ). I reached out to JPMORGAN chase in XXXX when I discovered a drop in my credit score. After several transfers from department to department a representative told me they would send a letter to me correcting the problem. Unfortunately, I never received a written letter and when I called back a few months later they said they don't send letters. This was the first lack of truth. I filed a complaint with the XXXX XXXX XXXX and someone from the " escalation " team reached out. Her name is XXXX and she sent me a letter stating there was no malfunction and no letter of acknowledgement would be sent to me. I am a XXXX who depend on technology for my independence. I have used this function on their application for years. I find it absurd to send a letter stating there was no malfunction or they didn't send out letters. I didn't reset or create any other requests for the bill, yet it continued to pay correctly the following months of XXXX and XXXX. This is a classic example of XXXX vs XXXX. My credit health is poor due to their negligence and refusal to correct it.
Company Response:
State: WV
Zip: 25705
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: So I get credit card offers in my chase portal so called pre approved and was also receiving it in the mail and then I applied and got declined ... and still getting their offers in the mail they just put a hard inquiry on my credit report for nothing. While XXXX even without offering they told me before i could get approved without some benefits and was still able to decide on if to harm my credit for this one. ITS ABOUT TIME TO CHANGE THIS WAY OF CREDIT REPORT ATTACKS
Company Response:
State: NY
Zip: 11206
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I started working with XXXX XXXX to help receiving business funding for my XXXX XXXX. I filled out my client information with the correct income and revenue information. Then I signed the client agreement with XXXX XXXXXXXX XXXX XXXX XXXX XXXX. He then texted me telling me he had to send me another agreement. This one had a different name on it, XXXX XXXX XXXX. XXXX XXXX was supposed to apply for business loan for me but took out a line of credit with skewed income information. XXXX XXXX XXXX applied for the application for me. He then charged XXXX percent on the line of credit to pay himself. I have a thread of text messages proving I did not apply for the card and how he changed my information to receive commission. I have evidence of fraud for multiple banking companies. XXXX XXXX XXXX would have specific people that he said I had to talk to. He applied for credit I didn't need, changed my information, then paid himself. The charges on the JPMCB credit are fraudulent. CFPB please investigate XXXX XXXX and complete an audit of my entire account application process.
Company Response:
State: FL
Zip: 33844
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I am filing this complaintin regard to claim numberXXXX This merchant- XXXX XXXX XXXX XXXX never delivered a product nor had my permission to input my card into ANY of their systems. I have proof of non- delivery. In accordance with the fair credit billing act I am requesting ALL information that the merchant provided such as proof of purchase, proof of delivery, invoice agreement, signed proof of delivery, invoice number XXXX. I did not sign for ANYTHING with this merchant and CHASE will be held liable for this just like XXXX XXXX is being held liable for things like this. I had text messages from the merchant of the sales person trying to schedule delivery with me after I reversed the payment they put on my account unauthorized. They would have had to manually do this as I never swiped my card!! The merchant advised that I would only be charged after delivery and in order to start the order that I would need to provide my card number BUT it would not be charged until delivery is complete. I would never authorize {$1000.00} without a receipt. I was never given or sent any receipts to confirmthat the merchant had already charged my account. After speaking with a XXXX customer service rep, it was confirmed that the merchant did not provide a receipt, a signed invoice, proof of delivery or credit card authorization form. Nothing of the sort. The merchant simply provided a text message screenshot. This is ridiculous as the text message does not tell the full story and has obviously been manipulated. If the merchant was indeed conducting proper business, they would have emailed a receiptupon charging my card and would be able to show that receipt. They would have solid proof of delivery with a signature from me describing what service and product that they provided. I clearly stated at the initiation of this claim that I provided my card number, however my card was not authorized to be charged. XXXX merchant that we are ready to provide card information in order to start the order does not constitute that the order was completed or that any product was provided or that the merchant has the permission to create a charge. It is unfortunate that the merchant has gone to this measure to manipulate a transaction that was never completed. I can assure you that they did not deliver. If they did they would have signed invoices, proof of delivery and receipts for the {$1000.00} transaction. My wife refused delivery. The merchant was over 5 hours late and showed up with defective products so they were sent away and my wife immediately emailed the office. No one from the office responded until after we discovered the charge on our account and made a claim with XXXX. After we made a claim the merchant started sending textmessages asking to complete the installationto which my wife did not respond. On XX/XX/XXXX, the merchant also responded to my wife 's email. This was a full week after my wife sent in an email on XX/XX/XXXX regarding her refusal and of delivery. I filed this claim on XX/XX/XXXX and reiterate that absolutely NO ONE from the merchants office responded or got in touch with either of us until they receivednotification of the claim. At this point XXXX is endorsing un - authorized activity on my account for a product that was never delivered.
Company Response:
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX, Chase Bank unexpectedly closed my account without providing any reasons. As an XXXX XXXX I have relied on Chase for over eight years for routine banking needs, including XXXX XXXX XXXX XXXX XXXX XXXX. The account closure occurred following a standard transaction for my XXXX XXXX, a typical and recurring payment in my banking history. This unexplained action has caused significant inconvenience and concern. I have always adhered to the banking norms and am unaware of any actions from my end that might have led to this closure. Therefore, I request a detailed explanation from Chase regarding the specific reasons and circumstances that prompted this decision. I am prepared to cooperate fully and provide any necessary information to clarify this matter. However, I wish to ensure that my personal details, such as my name, account number, address, and Social Security number, remain confidential at this stage of the complaint. I am seeking the CFPBs assistance in resolving this issue promptly and transparently to understand and address any misunderstandings or errors.
Company Response:
State: CA
Zip: 94538
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XXXX XX/XX/2023 I booked flights from XXXX XXXX to XXXX to XXXX XXXX XXXX XXXX XXXX and returning from XXXX XXXX to XXXX to XXXX on XXXX XXXX for a total of {$5000.00}. Due to bad weather the XXXX XXXX were cancelled. So I had to cancel the whole trip. On XXXX XX/XX/2023 I received a credit of XXXX. This was the cost of the XXXX XXXX to South Dakota I never got the credit for the XXXX Flight for {$2700.00} On XXXX XX/XX/2023 I rebooked the flights for a later date for {$5400.00}. The return flight from XXXX XXXX to XXXX was cancelled and we had to book another flight. We were in first class for the original flight from XXXX to XXXX but were in coach for the rescheduled flight. On XXXX XX/XX/2023 I got {$460.00} back for the price difference in tickets. On XXXX XX/XX/2023 I contested the {$2700.00} I had not gotten a refund for from the cancelled flight and it was removed from my account. On XXXX XX/XX/2023 I was billed again the original {$2700.00}. I am still due a credit for the {$2700.00}. XX/XX/2023 XX/XX/2023 CL *Chase Travel Travel Sale XXXX Original Trip purchase price XX/XX/2023 XX/XX/2023 CL *Chase Travel Travel Return XXXX XXXX XXXX Refund XX/XX/2023 XX/XX/2023 CL *Chase Travel Travel Sale XXXX Rescheduled Ticket Purchase XX/XX/2023 XX/XX/2023 CL *Chase Travel Travel Return XXXX First Class To Coach Ticket Difference refund XX/XX/2023 XX/XX/2023 CL *Chase Travel Travel Return XXXX Dispute Credit XX/XX/2023 XX/XX/2023 REBILL CL *Chase Travel Travel Sale XXXX Dispute rebill
Company Response:
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XXXX XXXX, XXXX Invoice received from my XXXX XXXX XXXX Service showing a charge of : {$90.00} and {$11.00} for CREDIT CARD FEE ASSESSED This is not a problem with my XXXX service, it is with the fee that Chase charged them to process my purchase. Chase Bank.comXXXX You have my name and contact information. As you probably are aware : " In XXXX, credit card companies in the U.S. earned {$120.00} XXXX from processing fees charged to merchants. The money they made from these fees increased at a faster rate than the actual money spent on purchases -- and recent reporting suggests that XXXX and XXXX intend to raise fees further in XXXX and early XXXX. '' ( XXXX XXXX )
Company Response:
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX Are accounts that are not mines and no knowledge of these accounts they are both closed and they both need to be removed from all credit reporting agencies. They are both collections and they are both already closed. Double back on reporting is unfair especially knowing that they are not my accounts.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Chase closed my business account that I had opened for over 10 years for supposed compliance reasons. They asked me to come by so they could copy my DL. I stopped by at the end of XXXX at a local Chase branch and provided my DL which they scanned and told me I was all set. A few days later my account was restricted and sent to closure at which point my Chase business account rep could not do anything but have me open up a new account. I opened up a new business account and waited patiently for my $ XXXX funds to be distributed from my old account to deposit into my new account. After many emails, phone calls with my local Chase account rep, the local manager and Chase cooperate customer service, I still have not gotten anywhere. It's been over a month, and I found out today Chase fraud and compliance department lied to me two weeks ago when they told me my check was mailed on XX/XX/31. After my local branch spending hours trying to get to the bottom, they found out a check was in fact never mailed. Now they need more " documentation '' proving that I live at my address that I've lived at for over 10 years since my account has been opened. I provided my DL that has the same mailing address back in XXXX and they still need more information. I don't understand how any business can operate having their account be restricted, closed and no access to their funds for almost 3 months now. This is absolutely outrageous that Chase would withhold money for such an unreasonable and extended amount of time and continue to bounce both the client and its employees from one department to another giving them all a run around as to why the funds have yet to be released.
Company Response:
State: AZ
Zip: 85254
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A