Date Received: 2023-12-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Dear CFPB, I am writing to file a complaint against Chase Bank for unjust retaliatory actions! Despite having the exact repayment amount linked to my repayment bank, Chase intentionally set up unsuccessful repayments, resulting in charges of over {$5.00} in interest fees. Today, I made multiple attempts to contact them, with wait times exceeding XXXX minutes each time. Whats even more outrageous is during the third attempt, they answered the call at XXXX XXXX, quickly claimed XXXX times that they couldnt hear my voice, and promptly hung up. I am filing this complaint against Chase for their disgraceful retaliatory behavior and simultaneously requesting an immediate refund of the interest fees! Sincerely, XXXX
Company Response:
State: TX
Zip: 78626
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Chase Bank close my account sometimes between XXXX and XXXX. I never got the reason ( s ) why. I'm now wanting to be compensated for failing to contact me. I also wasn't able to have access to any account statements.
Company Response:
State: FL
Zip: 32822
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: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In accordance with the laws of the state of California, California Civil Code Section 1526 and California Commercial Code Section 3311, once a final payment has been remitted and accepted by a creditor or lender, payment is deemed paid in full. It does not matter whether or not the total amount of debt was paid as long as a written notice signifying final payment and final payment is written on the check clearly. XXXX of said payment is final. The creditors legal department knew this, yet the company refused to return the check and accepted it as final payment. The credit agencies had removed this debt from my credit report ; however, as recent as XXXX of this year, the creditor, JP Morgan Chase reported it again to the credit agencies, and it was re-added to my credit report. I contacted the credit bureaus, and they each refused to remove the delinquency. This has negatively affected my credit score. Please remove the collection and debt from my credit report and any references to late payments and mark the payment as paid in full. Dates and amounts are as follows : Date of payment - XX/XX/XXXX Receipt of payment XX/XX/XXXX Amount of payment {$790.00}
Company Response:
State: CA
Zip: 90802
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: XX/XX/XXXX - I booked a round trip flight from XXXX to XXXX XXXX through Chase Travel Program with United Airlines, costing {$1400.00}. Trip ID : XXXX XX/XX/2023 - I received an e-mail saying that there was a delay for my flight. I logged onto the United Airlines website and there was an option on website saying that I can book a new flight at no extra cost. So I clicked on it. It then showed me my new booking but said there was an issue and to contact my agency. I contacted Chase travel and they helped me reserved a new flight from XXXX to XXXX XXXX. ( Same Trip ID ) Day of my flight : XX/XX/2023 - I got to the airport at XXXX XXXX to catch my flight. The self check-in machine wasn't giving me a ticket and told me to contact help desk. I spent the next 3 hours juggling between Chase Travel and United Airlines trying to fix the issue. United Airlines said that there was a reservation but no ticket and that XXXX XXXX XXXX needed to give them control of the ticket. There was only 15 minutes left before my flight departs and the issue was still not resolved, so I let my girlfriend fly to XXXX first and promised to meet her there the same day. I told the Chase representative that I needed to get to XXXX today, the Chase representative told me to book another flight via United Airline website and to keep all the receipts for a reimbursement. I did so but it costed me an extra {$3700.00}. After my trip to XXXX, I came back to the US, and contacted Chase Travels. They did an investigation and told me that XXXX XXXX XXXX was willing to reimburse me the price of the original flight ( {$1400.00} ) but not the price of the new ticket. I told Chase that I can't have that. They were willing to settle the case by giving me XXXX points but that wasn't what I wanted. I just wanted the reimbursement of the new ticket ( {$3700.00} ). I contacted United Airlines, All XXXX XXXX and Chase Travel, but none of them will claim fault and reimburse me for the extra cost. Chase 's carelessness costed me my flight to XXXX with my girlfriend and arriving at a precise time on that day which caused me to miss multiple reservations that I had in XXXX. All I want is for Chase to take responsibility for this mishap and reimburse me my new flight price.
Company Response:
State: NY
Zip: 10304
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 a check was deposited into my account at an ATM. After my check was deposited, a 10 day hold was placed on the funds and it stated in my account the date my funds would be available. Before the date of the availability my account was locked, preventing me from accessing the money that was already in my account. When I called Chase to fix this issue they stated they would unlock my account after submitting a number to verify the check from the person whod written the check. When provided the number they stated they could not verify it in the system ; although the owner of the company had the phone number going on 5 years. Now they are saying the company has to cancel the check in order for access to my account. The check hasnt returned or anything. I just want access to my funds.
Company Response:
State: LA
Zip: 713XX
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: XXXX. A check was washed for {$85000.00} XXXX. Chase " the cashing bank '' Says it was counterfeit XXXX. XXXXXXXX XXXX my bank intuition states it was altered XXXX. Chase denies to avoid reimbursing my funds XXXX. XXXX XXXX will not challenge Chase. Quote " We are to small to go up against Chase '' XXXX. No legal firm wants to challenge Chase XXXX. I have been told this is what Chase does to avoid paying for a error they made. XXXX. I don ' t trust Chase, I need a neutral party to confirm Chase it not lying to me and prove them incorrect.
Company Response:
State: MI
Zip: 492XX
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Other service problem
Subissue:
Consumer Complaint: On XX/XX/XXXX, I sent {$50.00} via XXXX to a friend. Same day I sent my friend a text message asking if he received the {$50.00} and he said no. As a result, i called Chase Bank to ask why there was a delay and that this delay was weird so i wanted to cancel the transaction. Chase said this was normal because it was going to a non-Chase Bank and to wait 2 business days for the transaction to go through. I called again after the 2 business days with the same problem and Chase said they would open an investigation and refund me the {$50.00}. Today is XX/XX/XXXX, and I called Chase again to ask where the {$50.00} refund is and they said XXXX denied my claim so Chase can not refund me the {$50.00}. Since Chase did not cancel the transaction when i first asked for it to be cancelled, I should be refunded the {$50.00}. Chase guided me incorrectly by telling me to wait. Also, XXXX should figure out a way to track transactions from bank to bank.
Company Response:
State: NJ
Zip: 07306
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Around the end of XX/XX/XXXX I received several emails from what Appeared to be chase bank regarding an approval of a freedom card. I asked my wife if she applied for this card. Her answer was no. I also asked one of my children if they applied for a card in my name their answer was also no. I deleted two emails thinking they were spam. In late XXXX, I received a credit card freedom credit card from chase bank, and proceeded to find out who did applied for this card. I called Chase and each credit bureau. Our identity was stolen a few years back and its not something I take lightly. I may be highly suspicious but my gut feeling is Chase purposely sent me this card. Appears that my credit agencies decreased my credit rating because of this issue
Company Response:
State: SC
Zip: 29456
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not give consent or have any knowledge of the inquiry on my credit report XX/XX/2023 JPmorgan chase.
Company Response:
State: MI
Zip: 48312
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
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 XX/XX/23, I was informed of a hard inquiry to my XXXX credit report by JPMCB. The following day, I received an adverse action letter stating that an application in my name had been declined. I called to report the application as fraudulent. They closed the application and stated that they would contact the credit bureaus to have the inquiry removed. There was another fraudulent application made in my name to JPMCB on XX/XX/23, however it was blocked by the freeze I placed with all 3 bureaus. I called to confirm they had contacted the bureaus to have the inquiry removed. The first representative stated that they did so at the time I reported the fraudulent application. I contacted XXXX to confirm, and they stated they had not received any notification from JPMCB. XXXX agreed to send me materials so I could dispute the inquiry myself. I called JPMCB back, and another representative stated that while their investigation definitively determined the application was fraudulent, it would be 30-90 days before they submitted documentation to the credit bureaus to remove the inquiry. They mentioned something about there needing to be subsequent fraudulent applications before they would contact the bureaus to remove the inquiry from XX/XX/23. They refused to provide me a letter stating the application was fraudulent, and that I would need to make a FACT Act request for the entire application in order to have the fraud documented in writing. They stated they would respond to the request in 1-2 weeks.
Company Response:
State: OH
Zip: 445XX
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A