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: On XX/XX/23 I attempted to book a hotel room at XXXX XXXX in XXXX XXXX, Utah online. I thought I was on the XXXX website but was actually on a third party website. The room was supposed to cost approximately {$190.00} and that was the price I was shown at checkout. However, once the transaction went through, it showed that I was charged an additional {$100.00}. I immediately called the number on the receipt to dispute the charge. That is when I learned that I was dealing with a third party. The person on the phone said the additional {$100.00} was for fees that were listed in the fine print and said the transaction was non-refundable be ause the room was alrwady booked. I canceled the transaction anyway and then called the hotel to make sure the booking was cancelled. I called Chase, my bank and credit card company, to dispute the charge. I told them that I was charged a higher amount than what was shown to me. While it took a few days for Chase to act, they did suspend the charge and opened a dispute. However, on XX/XX/23, I received notice from Chase that they considered the transaction legitimate and I was responsible for paying it. I am filling this complaint with the CFPB because the transaction was clearly fraudulent. I was shown one price but charged another higher price. I acted immediately to attempt to cancel this charge and bring it to my bank 's attention. Chase did nothing to advocate for me or protect me and is now saying that I have to pay {$290.00}. I hope the CFPB can help.
Company Response:
State: OH
Zip: 44107
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: Application denied
Consumer Complaint: I'm writing to address a matter of significant concern regarding recent adverse actions taken upon my credit accounts, I believe that there might have been an misunderstanding and I kindly request your attention to this issue for proper investigation and resolution. On XX/XX/2023 I submitted an application to Chase which served as a valuable security purchased by the bank, as they are the borrowers as defined by Congress in 12 U.S. Code 1431. Despite this understanding, Chase has unjustly refused to grant me access to the credit line I requested, thereby impending on financial opportunities and violating regulations governing fair lending practices. Consumer credit transactions are initiated using credit cards in accordance with 15 U.S.Code 1602 ( l ) a credit card is any card, plate, coupon book, or other device used to obtain money, property, labor or services on credit. I am the holder in due course, as I presented the credit card to initiate the transaction. In pursuance to 15 U.S.Code 1602 ( n ) and its not possible for me to be denied for something I initiated. I am granting your corporation the right to extend credit as defined within 15 U.S.Code 1602 ( f ). I frequently in connection with loans as outlined in 15 U.S.Code 1602 ( g ) as the original creditor. I understand my rights and reporting to the consumer reporting agencies is voluntary as per the CFPB this is a private transaction. Nowhere does the term adverse action in the FCRA mention the denial of credit to a natural person and I expressly granted Chase permission to extend to me my right to credit because I am credit worthy and in good faith. The right to extend credit belongs to me and I'm the one who extends credit to borrowers pursuant to 15 U.S.Code 1602 ( g ). According to 12 U.S.Code 1431 the power and duties of banks is to borrow and pay interest. This is a consumer credit transaction and this is an unfavorable situation to me as a consumer. Furthermore, my credit was used and I received no benefit from the use of my credit. As inquiry appeared on my consumer report indicating a transaction where someone profited from my credit and I gained nothing. In fact fact this caused me mental and financial damage as defined by 15 U.S.Code 1602 ( p ) term unauthorized use as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from wwhich the cardholder receives no benefit. So I have been discriminated against as there are no federal laws allowing a credit score to extend credit. In good faith I exercise my rights and as a natural person I face discrimination and pursuant to 15 U.S.Code 1691 it shall be unlawful for any creditor to discriminate against any applicant with the respect to any aspect of a credit transaction. The Federal Reserve Act provides for the utilization of securities as collateral for various financial transactions. I believe Chase has utilized my security without my consent or proper compensation, thereby infringing upon my rights as a securities holder, thus commiting fraud pursuant to 18 U.S.Code 1348. The concept of equity of account ensures that all parties involved in a financial transaction are treated fairly and interest of securities holders, such as myself are protected. I believe that Chase has denied my rights to equity of account by not providing me with the appropriate benefits and compensation associated with the utilization of my collateral security. As a financial institution and national bank Chase has legal obligations to comply with the the Federal Reserve Act and other applicable laws & regulations. This includes ensuring that the rights of security holders are respected and that fair and transparent financial practices are followed. It is crucial to ensure that Chase upholds its fiduciary responsibilities, complies with fair lending regulations refrains from engaging in fraudulent activities and provides me with the credit access I am entitled to based on the security l provided.
Company Response:
State: TX
Zip: 75104
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the fair credit reporting act, fifteen u s c sixteen eighty one section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. " XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 which states " it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and Confidentiality Of those customers ' non public personal information. '' Chase bank is a financial institution by definition under that title. 15 USC 1681 section 604 section 2 states that " In general, subject to subsection, ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : " In accordance with the written instructions of the consumer to whom it relates. '' Chase Bank the financial institution and the consumer reporting agency 's XXXX and XXXX do not have any of my consent to furnish this information and they surely do not have my written consent. Any and all consent XXXX, XXXX, or Chase Bank whether it is verbal, non verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) and ( c ) states that, '' a financial institution may not disclose non public personal information to a non affiliated third party unless -- -- the consumer is given an explanation of how the consumer can exercise that non disclosure option. Chase Bank never informed me of my right to exercise my nondisclosure option. Also 15 USC 1681C ( a ) ( 5 ) ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which It against the law. 15 USC code 1681S - 2 ( A ) ( 1 ) State a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681c states. " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishings of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states that " a consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Company Response:
State: TX
Zip: 756XX
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: Fraud or scam
Subissue:
Consumer Complaint: To : Consumer Financial Protection Bureau From : XXXX XXXX XXXX Address : XXXX XXXX, XXXX, Texas Date : XX/XX/XXXX Subject : Complaint Regarding Refusal of Refund for a Fraudulent XXXX Transaction by Chase Bank Dear XXXX , I am writing to file a formal complaint against Chase Bank for their refusal to refund a fraudulent transaction that occurred via XXXX on XX/XX/XXXX. I believe this refusal is inconsistent with recent policies adopted by banks under pressure from lawmakers and the CFPB regarding reimbursements to victims of imposter scams. Incident Details : Date and Time of Incident : XX/XX/XXXX, at approximately XXXX XXXX Description of Fraud : An individual impersonating a known friend and coworker, XXXX XXXX, contacted me through XXXX XXXX, requesting a short-term loan of {$200.00} to be sent via XXXX to an email address ( XXXX ). Believing the request to be genuine, I transferred the amount. Immediate Action : Upon realization of the fraud, I immediately contacted Chase to report the incident and request a reversal of the transaction. However, Chase declined my request, stating that they could not reverse transactions made through XXXX. Basis of Complaint : As per the article referenced ( XXXX, [ date of article ] ), it was reported that banks participating in the XXXX payments app, including JPMorgan Chase, had begun to relent in their refusal to pay back victims of imposter scams. This change in policy was a response to legislative pressure and the involvement of the CFPB. It was highlighted that the Federal Trade Commission identified imposter scams as the most reported fraud category across all payment types in XXXX. Furthermore, XXXX XXXX XXXX XXXX XXXX XXXX, the operator of XXXX, has implemented mechanisms for banks to claw back funds from recipients accounts to reimburse victims. These measures were taken as part of a broader policy to combat fraudulent activities and protect consumers. Request for Resolution : Given these developments, I respectfully request that the CFPB intervene in this matter to ensure that Chase Bank adheres to the evolving standards and policies regarding the protection of consumers from fraudulent transactions, especially those involving XXXX. I am seeking a full refund of the {$200.00} fraudulently taken from my account. Your prompt attention to this matter would be greatly appreciated. I am prepared to provide any additional information or documentation as required. Thank you for your assistance. Sincerely, XXXX XXXX XXXX
Company Response:
State: TX
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In XX/XX/2017, I worked with a company to help pay off large credit card debt. For over 5 years, I worked with this company, paying $ XXXX monthly into an escrow account as they worked to resolve my debt with XXXXXXXX XXXX XXXX XXXXXXXX, and Chase. It was difficult to send this money monthly as my credit score plunged to XXXX, and I stopped using all my cards and accounts. I wanted to avoid bankruptcy. However, after time, I was able to settle with XXXX and XXXX. But Chase would not settle. They would not work with the debt relief company. The California statute of limitations had run out when they could take me to court, so I ended my relationship with the credit relief company and moved on. Since I paid off two credit card debts, my credit score rose to XXXX. However, after doing nothing since 2017 to my credit report, out of the blue, Chase reported an L for the second time in almost 6 years on my account to the credit reporting system. Over time, my credit rating dropped XXXX points, and I'm now down in the low XXXX with a fair credit rating. It has destroyed all my hard work and seriously hurt my credit. Again, Chase WOULD NOT work with my credit relief company and then did this. It is a malicious move designed to hurt my credit and ruin my hard work and the future of all that I can do with lenders. When I reported it to XXXX, they contacted Chase, who added Ls to all the months since 2017, hurting me even more. Why did they wait, and why did they do this other than to destroy my credit history and standing? My life is a living nightmare because my score keeps dropping, and lenders won't work with me or give me loans even though I have paid rent for over 10 years at my current address, other debts, credit cards, etc. This tactic is highly egregious and should be investigated and stopped by companies like Chase. Again, they refused to work with me to resolve the debt, attacked me personally, and erased my hard work with credit for their own benefit. WRONG! There should be protections from companies like Chase and these tactics. Hard-working Americans like myself with family to support should not be attacked by multinational multimillion-dollar companies.
Company Response:
State: CA
Zip: 926XX
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This card was no longer being used and I called to cancel it prior to the yearly renewal date and the {$80.00} fee involved. I was told at this time there was a charge on it that I had to pay before they would cancel it. The charge was from Amazon XXXX a monthly fee. This charge was supposed to go on another card but Amazon was unable to do this because the numbers had changed. Amazon never contacted me relative to this and just put the fee on this card, WITHOUT MY PERMISSION. I told Chase Bank I would not pay this fee of {$12.00} because I never authorized it. They said they would dispute it but could not cancel the card prior. I told them I had cut the card in half and wanted to cancel it prior to the renewal fee. Chase Bank added the renewal fee, did not remove the charge of {$12.00}, and continued to send me bills with late fee being added. This began I believe in XXXX XXXX and currently has grown to {$210.00}.
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: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Ive bank with chase for years & for years they overdraft me {$35.00} more then 5 times a month, one time when I called they even returned my money knowing they was Stealing from me, I took my direct deposit off because Chase was taking they money back which wasnt a problem but plus more and I started too not see my check which almost costed me my living even though Covid, it was absolutely NO remorse from the bank Ive bank with for years, they closed my account & I finally started too get my funds back in order I recently open it back up and deposited my boyfriend thats in XXXX check in the account assured, that it was okay because I had a power of attorney of his funds being that he isnt available too handle it Chase Originally verified my check but said my POA wasnt valid, I then got the chase POA & signed & got it notarized me & my boyfriend thats in XXXX after doing everything they ask me too do they Still gave me a hard time, this matter has costed me days of work as well as took it toll on my mental, I was Treated like a scammer by the same bank that have scammed me for Years .over drafting me for a dollar, Ive spoke too several people & each time they came up with a new reason not too release my XXXX check which is just crazy because I was ROBBED more then that from chase, I honestly felt singled out because Ive never heard of anyone having this problem besides me .i may not be rich and have a lot of money but Ive worked & Payed Taxes Ive been a honest hard working XXXX mother and i feel like Chase bank as taken from me
Company Response:
State: NY
Zip: 11520
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I called JpMorgan bank to request a day of when my funds would be sent out to me. They lady told me no date. Just that they are trying to reach somebody else. it's already been over 45 days of my account closing. After 90 days I'll have no option but to take JpMorgan to court.
Company Response:
State: GA
Zip: 30120
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: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I went into a Chase Bank Branch in I went into a Chase Bank Branch in XXXX, XXXX at the XXXX XXXXXXXX XXXX branch located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After producing the required verification documents to the banker at the branch ( Driver 's License and Social Security Card ) the banker inputted the information into their computer system and received an approval and an account number to continue with the opening of my new bank account with Chase. After handing the banker the funds in cash to deposit into my bank account, he received an alert on his system that my new account has been flagged and that he needed to call the number on the screen to speak to another bank department regarding this brand new account that has been opened for less than 5 minutes. After a lengthy conversation with the person on the other line, the banker hung up the phone and told me that unfortunately my new account will be closed immediately and without further notice. I asked him why this was happening and if their was anything that I could do to keep this from happening and the banker told me that the reason that was given to him by the back office was that my new account is being closed because I allegedly made a transfer or had sent money to a country that was forbidden or that my money transfer was suspicious and unauthorized for me to send in the first place. He stated that basically the bank thinks that I am sending money to the XXXX XXXX to fund some kind of illegal activity or otherwise and this is why they will not allow me to open an account with them now or ever. They claimed that this had been allegedly done back in XXXX when I did have a Chase Account. This is completely and utterly wrong and I have never sent or attempted to send any funds to any XXXX XXXX Country or even anywhere outside of the United States of America. I have never made any wire transfers. I have never initiated any ACH transactions internationally, And I have never ever even thought about sending funds for ANY ILLEGAL ACTIVITIES WHATSOEVER. You will not find a single transaction that would even remotely indicate this kind of activity with Chase or even attempting to send any funds to an outside country or entity ever with Chase or any other bank. Just because I am of XXXX XXXX because my parents had been born in XXXX, they XXXX to the United States of America in the late XXXX 's and then I was born in XXXX in XXXX XXXX XXXX at XXXX XXXX XXXX XXXX as a 100 % United States Citizen. You have rejected the opening of any new bank accounts each and every time since XXXX and it usually happens after the system approves the account online and then 24-72 hours later you lock my accounts, deactivate my debit cards, and hold my money XXXX and won't ever tell me the reason why this is being done. You tell me the same thing each and every time which is, '' We are exercising our right to not disclose to you the reason as to why we are closing your account and banking relationship with Chase, and just like I don't have to tell the bank why I will close my account either. It is in our terms and conditions, please read them if you haven't already. '' This is the same generic answer I get every time and the bank absolutely refuses to tell me why they have drastically closed my account with them. '' This is complete and obvious discrimination by the bank. It doesnt not get any more clearer than this to see that they are discriminating against me because I have an XXXX XXXX middle name and sur name. My full and legal name is XXXX XXXX XXXX. I believe that you must think that just because my parents came from XXXX over 60 years ago that I am guilty by association and by my name having XXXX middle and sur names even though I was born as an American Citizen and have lived right here in the United States my entire life. I believe that the banker had made a big mistake by telling me what the back office would never disclose to me in the first place. In fact, he is my witness to what was said to me back in XXXX, XXXX at that particular branch, and if necessary, I will get his XXXX, XXXX at the XXXX XXXX California branch located on XXXX XXXX at XXXX XXXX XXXX XXXX. After producing the required verification document s to the banker at the branch ( Driver 's License and Social Security Card ) the banker inputted the information into their computer system and received an approval and an account number to continue with the opening of my new bank account with Chase. After handing the banker the funds in cash to deposit into my bank account, he received an alert on his system that my new account has been flagged and that he needed to call the number on the screen to speak to another bank department regarding this brand new account that has been opened for less than 5 minutes. After a lengthy conversation with the person on the other line, the banker hung up the phone and told me that unfortunately my new account will be closed immediately and without further notice. I asked him why this was happening and if their was anything that I could do to keep this from happening and the banker told me that the reason that was given to him by the back office was that my new account is being closed because I allegedly made a transfer or had sent money to a country that was forbidden or that my money transfer was suspicious and unauthorized for me to send in the first place. He stated that basically the bank thinks that I am sending money to the XXXX XXXX to fund some kind of illegal activity or otherwise and this is why they will not allow me to open an account with them now or ever. They claimed that this had been allegedly done back in XXXX when I did have a Chase Account. This is completely and utterly wrong and I have never sent or attempted to send any funds to any XXXX XXXX XXXX or even anywhere outside of the United States of America. I have never made any wire transfers. I have never initiated any ACH transactions internationally, And I have never ever even thought about sending funds for ANY ILLEGAL ACTIVITIES WHATSOEVER. You will not find a single transaction that would even remotely indicate this kind of activity with Chase or even attempting to send any funds to an outside country or entity ever with Chase or any other bank. Just because I am of XXXX Nationality because my parents had been born in XXXX, they XXXX to the United States of America in the late XXXX 's and then I was born in XXXX in XXXX XXXX XXXX at XXXX XXXX XXXX XXXX as a 100 % United States Citizen. You have rejected the opening of any new bank accounts each and every time since XXXX and it usually happens after the system approves the account online and then XXXX hours later you lock my accounts, deactivate my debit cards, and hold my money XXXX and won't ever tell me the reason why this is being done. You tell me the same thing each and every time which is, '' We are exercising our right to not disclose to you the reason as to why we are closing your account and banking relationship with Chase, and just like I don't have to tell the bank why I will close my account either. It is in our terms and conditions, please read them if you haven't already. '' This is the same generic answer I get every time and the bank absolutely refuses to tell me why they have drastically closed my account with them. '' This is complete and obvious discrimination by the bank. It doesnt not get any more clearer than this to see that they are discriminating against me because I have an XXXX XXXX middle name and sur name. My full and legal name is XXXX XXXX XXXX. I believe that you must think that just because my parents came from XXXX over 60 years ago that I am guilty by association and by my name having XXXX XXXX and XXXX names even though I was born as an American Citizen and have lived right here in the United States my entire life. I believe that the banker had made a big mistake by telling me what the back office would never disclose to me in the first place. In fact, he is my witness to what was said to me back in XXXX, XXXX at that particular branch, and if necessary, I will get his statement on record in case this has to go to litigation due to not opening up a checking account as a result of this complaint due to your negligent and willful act of discriminating against me and making up false reasons and ghost transactions that had never happened under my name or accounts with you in the past or the present and certainly not in the future. Feel free to review my transactions that had been associated with my account back in XXXX and you will then see that you have been wrong this whole time and that there isn't any transactions or attempted transactions to send any money abroad and to fund any kind of illegal activities whatsoever in any way. I insist that you do just that. I am not just going to go away and be wrongfully accused of something that I have never done and for the bank to wrongfully accuse me of making any kind of unauthorized money transfers to any questionable entity or country in any way. I have verbal evidance from a bank employee that didn't know any better when he told me the reason why my accounts keep getting closed and without any type of explanation whatsoever. It all makes perfect sense now why you wouldn't want me to know that basically the bank thinks that I am some sort of XXXX just because of my name and my because i am 100 % of XXXX descent but a full XXXX XXXX that has absolutely no ties to the XXXX XXXX in any way. This is complete discrimination by you and if it doesn't get rectified soon, you can be sure of one thing : I will make it my life long goal to discredit and to reveal to the public through the media and Social Networking Channels of exactly what kind of bank you really are and how you discriminate against innocent XXXX XXXX just because of their name or their descent. Just like you have tarnished my name and profile with you and have turned me into some kind of monster in your eyes, I will reciprocate and make sure that at the end of all of this, I win. Not because I want to win so I can seek compensation from you ( I don't care about that whatsoever ), but because I want to win out of mere principle and to prove a point to the bank, any Civil Courts, and most importantly to myself and the rest of the public. I hope that you do your due diligence here and give this complaint your complete attention and in turn, a result that is amicable between the both of us, and that will be the end of it. Thanks for your time.
Company Response:
State: CA
Zip: 95678
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: Unexpected or other fees
Subissue:
Consumer Complaint: As a member with chase bank I received my check from my job and I usually cash my check online with the online banking. However this time was different, when I cashed my check my account was placed on a hold until XX/XX/XXXX to release my money, I spoke to several representative from chase bank and Im still confused at this matter. My money was released to me on XX/XX/2023 ( Monday ) as the next day came I noticed chase removed my money out my account stating deposited back leaving my account again in a negative. Im beyond frustrated how chase can simply give me my funds and take them away. This is un-acceptable especially around the holidays I never experienced any matter in such and will definitely like answers and much useful ways how I can get my money I worked so hard for. I use the same Routine in cashing my check all the time but his time is completely different.
Company Response:
State: NJ
Zip: 07203
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A