Date Received: 2023-12-05
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Someone stole an insurance refund check mailed to me and Chase Bank cashed it. The name on the back of the check was XXXX XXXX ( hard to read ) but clearly not my name XXXX XXXX which was on the front of the check. It took me months to convince XXXX that I had not cashed the check and I demanded a copy of the front and bank, that is how I figured out that someone had stolen the check and cashed it in XX/XX/2023. I filed a complaint with XXXX fraud department after getting the run around. I also filed a fraud complaint with Chase bank to this day I have never received a reply to my fraud with Chase. XXXX required I file a police report, which I did and alot of other hoops which I have done. XXXX is saying since they mailed the check it was out of their hands. I told them I have called Chase, filed a fraud with Chase and no reply. I finally was assigned someone at XXXX but every month they say their bank is working on it. Both XXXX and Chase have taken so long to take this seriously the detective said their was not anything XXXX can do it was up to the Chase. I called a contact I knew at Chase local branch and she suggested I call XXXX. I spoke to XXXX at Chase on XX/XX/2023 and she told to email XXXX XXXX XXXX, chase.com I have emailed several times and to this day have yet to receive a reply from Chase. The amount of the fraudulently cashed check was {$5000.00}. This has been over a year chasing down not only my refund from XXXX but then to find out it was mobile deposited by Chase in XX/XX/2023 and not receiving any reply from Chase is terrible.
Company Response:
State: NV
Zip: 89117
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: On XXXX XXXX and on XXXX XXXX JPMCB Card services has had a hard inquiry on my credit score I have no knowledge about! I want to dispute it because that is not on my behalf! I have tried to multiple times in the past with no avail! On XXXX XXXX I have a hard inquiry from XXXX XXXX XXXX I have no knowledge of as well and I want it disputed!
Company Response:
State: IL
Zip: 60612
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: On XX/XX/2023 I noticed an unauthorized charge on my credit card. I contacted Chase Customer Service to report the issue and have the card reissued. The rep on the phone stated she would send the card via XXXX overnight delivery and I should have my replacement card within XXXX business days. This was important to me as I use my card constantly. After XXXX business days with no card received, I called back to Chase and was told by a supervisor that the card was sent regular mail and I should have the card within XXXX business days. I was very upset and asked the supervisor why the original rep said it was being overnighted when it wasn't? He had no answer except that he stated the calls were all recorded and he would look into it. I advised him I wanted this filed within Chase as an XXXX complaint, which he said he would do and that I would hear back from XXXX Management. I did not receive my replacement cards until XX/XX/2023, and I had to use other companies cards in the interim period. It is now 30 days after the issues and I have not heard anything back from Chase yet, either on the delay in the delivery of my replacement card or on the XXXX complaint. I would like the results of their internal investigation about the original employee that lied to me and didn't follow through as I was advised they would.
Company Response:
State: AZ
Zip: 85043
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: My credit card application was denied by Chase because I was an existing Southwest Chase credit card holder. However, I had cancelled my existing Southwest Chase credit card prior to the application. I was told by multiple Chase representatives that their internal policy requires that a card be closed at least 30 days prior to reapplying. This is not disclosed in their application terms. Their application terms only say that an applicant can not apply if they are an existing card holder. I was applying for the new card as part of a point promotion being offered by Southwest Airlines, which would allow me to get XXXX points and a Companion Pass for up to two years. These items together are valued at over {$10000.00}. Had Chase disclosed that a card needed to be cancelled for 30 days prior to reapplying, I would have cancelled my card earlier. Their lack of disclosure resulted in a financial loss for me. Since this was not disclosed in the application terms, Chase is providing false reasons for credit denial to consumers. My denial reason was that I was an existing card holder ; however, Chase 's representatives also acknowledge that I cancelled my card prior to my application. Therefore, their denial reason is false and Chase is denying credit to Consumers ( I am sure there are many others like me ) based on false pretenses. They are not properly disclosing eligibility requirements within their application terms. Because of their inadequate application disclosures and false denial reasons, I am significantly financially impacted. I would ask that Chase be required to reimburse me and others that have been impacted by their negligence.
Company Response:
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I had a charge through XXXX XXXX for {$300.00} because my debit card was linked to XXXX XXXX somebody got into my account on XXXX XXXX & charged me {$300.00} so I had the account closed & my new debit card sent out & chase refunded me the money on XX/XX/2023 on the XX/XX/2023 they retook the {$300.00} out of my account that they refunded me saying that the charge was authorized which I explained to them again that my debit card was linked to my XXXX XXXX & somebody got into my account
Company Response:
State: CO
Zip: 80906
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On XX/XX/XXXX, I deposited a XXXX check into my account for my XXXX XXXX I had received it back signed by him in the mail. I didn't know I also had to sign since it's going into MY account. I called Monday, was told that the funds would be available today. This morning my account was XXXX overdrawn. I called, was told they needed me to verify that it was approved by him. I called the bail settlement people that sent the check initially, put him on XXXX call to have them give me access when he isn't on the phone. They did that. I went into the branch was told they needed me to call and have my account taken off restriction. I call, they need a number for my boyfriend who I told them is XXXX and he received the check FOR being XXXX.
Company Response:
State: NY
Zip: 11106
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: United Airlines Charged me {$1600.00} and {$100.00} and I didnt recognize those transactions because my wallet was stolen Chase customer serverice said that was my authorized transaction and denied my claim and they already contact with united airlines and they denided to proof any informations
Company Response:
State: CA
Zip: 94546
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX, I deposited a check for {$3800.00} into my account. The funds were immediately placed on full hold with no warning until the XXXX of XXXX. On the XXXX of XXXX, my account was frozen without warning or explanation. I have no gone almost a full month without having access to money I was expecting and have available to me. I have had to cancel multiple financial obligations and am literally in a position where I am currently starving, though I have several XXXX dollars available. Chase will provide zero explanation or date when I will actually receive my funds.
Company Response:
State: CA
Zip: 95835
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Complete Bad Faith Practices At Chase Offers On Webpage Removed Then Put Back Was Promised You Would Help In XX/XX/2024 With Balance Transfer or Pay As You Go, You Promised Me Offers Will Be Available But Then Not Really Now Nothing Will Ever Be Available Or It Could Be Available But Might Not Be Available BYE CHASE TOTAL BAD FAITH Offer Appears On Webpage The Disappear When Need For XXXX XXXX XXXX XXXX XXXX XXXX XXXX Multiple Existing Offers Paid Early
Company Response:
State: LA
Zip: 70122
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, I contacted Chase bank regarding several unauthorized ACH withdrawals from my Business Checking account. There were XXXX transactions totaling {$13000.00}. The Representative stated documents will be mailed & i should receive them within XXXX business days - that i should sign and return them. None arrived. On a second phone call, I was asked to go in person and file a Disputed Transaction form. I went into the XXXX XXXX branch in XXXX, TX and the branch XXXX faxed it in. Meanwhile, i received an email notification stating I received a letter on the online banking portal. The online portal showed multiple documents. XXXX. Stating that the claim was closed XXXX. Asking me to complete the same Dispute Transaction form and fax or upload it XXXX. Stating that the claims were too old and will not be paid XXXX. Stating that these Transactions were authorized XXXX. The initial document dated XX/XX/XXXX arrived on XX/XX/XXXX -- asking me to sign and send a document on XX/XX/XXXX ( when I did not even have it in my possession ) I have spoken with XXXX different people from the Claims Dept and each person offered me different information. The XXXX person i spoke with advised me to close the account and open a new one. I did that. On mulitple occassions, i requested any information that shows I authorized these transactions. The purpose was to contact the merchant directly and resolve the issue. I was told that it wasn't available and would have to be request from 'the back office '. Today ( XX/XX/XXXX ), I was transferred to the Retail Business Service dept. The Representative transferred me back to the Fraud/ Claims department as he could not access a 'closed account '. Here are the dates & charges in dispute : XX/XX/2023 - {$1500.00} XX/XX/2023 - {$2100.00} XX/XX/2023 - {$1200.00} XX/XX/2023 - {$1600.00} XX/XX/2023 - {$1600.00} XX/XX/2023 - {$1800.00} XX/XX/2023 - {$1400.00} XX/XX/2023 - {$1700.00} A Financial Institution should not be allowed to arbitrarily presume that a Merchant or their Bank sending an electronic message stating the charges were Authorized is accurate. That Merchant should produce documentation that I authorized these large withdrawals. I am a small business owner and this financial loss is devastating. More than that, my funds should be safe from unauthorized electronic withdrawal and access. I sincerely believe that I am the victim of Fraud.
Company Response:
State: IL
Zip: 60901
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A