Date Received: 2023-11-29
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: At the beginning of XX/XX/2023, I called CHASE to remove the authorized users in My CHASE VISA XXXX since it has a very high debt balance. In that call the Customer Service Representative removed most of them except for XXXX XXXXXXXX and told me that I will need to talk to another department to remove XXXX XXXXXXXX. So, I told him I will call in another time. On XX/XX/2023 around XXXX, I called CHASE to remove XXXX XXXX and The Customer Service Representative 's who answered me at that time told me that they will not be able to remove XXXX XXXX from my account because she is a " Primary Card Holder '', so I ask her to transfer me to a Supervisor. The Supervisor XXXX took my call and I explained to her that when I applied for that Credit Card, I was by myself. After a couple of years I ask to add XXXX XXXX XXXXXXXX as an Authorized User but never as a Primary Card Holder. I told her that CHASE made a mistake adding XXXX XXXXXXXX as a " Primary Card Holder '' instead of a " Authorized User '' and they need to fix it. She told me that she can not do anything about it. I asked her to send me the documents where I authorized XXXX XXXXXXXX as a Primary Card Holder or as an Authorized User in my account and XXXX answered me that she couldn't do that. I Ask her to talk to her XXXX because even she was a XXXX, she must have someone over her position and she just answered me that there is nothing she could do about it and that she will hang up. And XXXX just hang up on me.
Company Response:
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Hello, I need assistance with a dispute I started back in XXXX with the bank regards a charge on my debit card in the amountof XXXX. I booked a hotel which I stayed for about 2 weeks due to plumbing issues. During this time I book a hotel in the area since XX/XX/XXXX - XXXX. The charge I am disputing with the bank is the {$400.00} dollars. I did have prior charges using different methods of booking XXXX {$170.00} XXXX, XX/XX/XXXX - paid directly with merchant XXXX XXXX {$90.00}, XX/XX/XXXX {$270.00} Travelocity XXXX XX/XX/XXXX - paid to XXXX XXXX {$170.00}, XX/XX/XXXX - {$400.00} paid to XXXX XXXX XXXX I am disputing due to the fact this place had many issues with the room I stayed one being a broken sink, couch in poor conditions, and had bed bugs. When brought this to the attention of the person in charge they booted me out. I asked to be changed rooms but they refused. The deposit I gave in cash was refused. I called the bank to decline the transaction of XXXX as it was pending but unfortunately it was still paid. I refused to pay for horrible service on top of that no other option other than to vacate the premises and then they keep my money. Please help.I reported the Hotel but looks like nothing has been done.
Company Response:
State: AZ
Zip: 85225
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are a number of fraudulent hard inquiries on my account for the following two companies : JPMCB Card and XXXX/AMAZON PLCC . These inquiries were not initiated by me and should be considered fraudulent.
Company Response:
State: NY
Zip: 12550
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have disputed multiple unauthorized charges with Chase. I was never given my provisional credit for any. I was reassured that I would for every charge. I was also told that they would contact me if they needed anymore information before making a decision. Not only did I not get a provisional credit but, no one never called me either. The unethical behavior of customer service is unbelievable. Someone really need to listen to all of my calls at the attitudes that any other company will fire employees for. I have been promised my money back for one of the two closed cases and chase didn't honor their word. I just want my money back even if it's tempy.
Company Response:
State: GA
Zip: 30263
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: To keep my account open, reduce interest race, minimum balance reduce
Company Response:
State: NY
Zip: 11701
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Creditor JPMCB AUTO { Chase Bank } ADRESS XXXX XXXX XXXX, XXXX DE XXXX ACCT XXXX XXXXXXXX OPEN DATE XX/XX/2017 I am writing to dispute this account and to request its removal from my credit report. Account listed is not { incorrect/ inaccurate } being reported to all three credit bureaus. I believe that this is in violation of several laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This account is reporting to only 2 credit bureaus instead of all 3. Also this account incorrect account status is reporting and high balance is wrong. accounts says open then on there credit reports its not correct. Under the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am requesting that you investigate this matter and remove the repossession from my credit report. Additionally, I request that you ensure that the balance on the account is reported to all three credit bureaus. Under the FDCPA, I have the right to request that you stop all attempts to collect on this debt until this matter has been resolved. I am requesting that you cease all collection activities until this matter has been investigated and resolved.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I reported to Chase Bank on XX/XX/27 some unauthorized charges on my account. Among them there are XXXX transactions for the same amount. I received a temporarily credit which today was reversed. Upon calling the bank they said the transactions are valid because the merchant said they are! I was not provided with any documentation, i have XXXX the name of the merchant and also i asked to escalate the claim. I was told that Chase is not actually investigating but they direct everything to XXXX. I need an advise on where can i take this any further
Company Response:
State: NY
Zip: 11385
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I rented a car from XXXX Car Rental at XXXX airport on XX/XX/23 and returned it on XX/XX/23 per the agreement. This was an XXXX with a charge of 70 % when delivered to me and 82 % when returned. Based on negligence or fraud, XXXX claimed it was returned with a 50 % charge and increased the amount submitted to Chase, the servicing institution for my XXXX XXXX XXXX branded card. I attempted to submit a dispute for the {$35.00} overcharge and was advised that Chase does not involve themselves in this sort of dispute. What I would appreciate from you is a determination whether this meets the bank 's obligation under existing law. I can not see how an improper fuel ( electricity ) levy differs from any other and why the submitting company ( XXXX ) is not required to prove this is a valid charge, which it is not.
Company Response:
State: NC
Zip: 27403
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 at approximately XXXX, I entered the Chase Bank XXXX XXXX XXXX Illinois . I had cash and checks to deposit into my checking account. I handed over the money along with my drivers license. For the past 10 years or so, Chase has always taken my state-issued DL and completed the deposit slip, taken the money, made the deposit, and provided me a receipt. I do not have my bank account information memorized, and Chase simply looks it up by inputing my name into their system. However, on this day, the teller ( name : XXXX XXXX ) asked for my ATM card. I do not own an ATM card, so I told him that I did not have one. He said that I needed to fill out a deposit slip. Since I do not have my bank account information memorized, I told him that he would need to fill it out. He then said that he had the right to refuse me service if I did not complete the deposit slip. I asked if that was a new banking policy, as I'd never heard it before. So I asked for the manager. He said that the manager wasn't there. So I told him that he could simply write in the information on the deposit slip since he had my banking info in front of him. His response was that he didn't have my banking info in front of him. So I told him, " but you can absolutely look it up with my driver 's license that you have right in front of you. Are you telling me that you're going to refuse me service for not completing a deposit slip that every other Chase bank teller has completed for me in the past? '' At this point he just stared at me for XXXX seconds with an evil look on his face. The silence was broken by someone behind me who came out of an office asking if he could be of assistance... I did not get his name, but I told him that the teller was refusing to deposit my money into my checking account because I couldn't complete the deposit slip with the checking account number that I didn't have. I asked if this was a new policy and if the manager was in. The man said that she was in and went to the side door to open it. I looked at the teller and said, " so she is in? '' He responded, " she may have just gotten back then. '' The manager, XXXX, came out ( I found out later that she was not actually the manager, but a " team lead '' ) and asked the issue. I told her that the teller was refusing to deposit my money because I couldn't complete the deposit slip with my banking info and that every other teller has always filled it out for me, never threatening to refuse service. She said that there was no bank policy aside from if there's a long line, however, I was the only person in the bank at that time. She then stated that it was discourteous and that the teller would be retrained. I asked how long the teller had been there, since I'd never seen him before. She said that he'd been there XXXX years. It was clear that this individual was obviously having a bad day and likely took out his bad day on whoever was in front of him, or he just didn't want to put in the extra effort to complete a deposit slip for a long-term Chase customer. Whatever the reason, I told the manager that I had my personal accounts, business accounts, and even our mortgage with Chase Bank, and that no one should be treated or threatened that way. She agreed and said that she would be filing a complaint, but that the teller would be retrained. The manager told the teller to fill out the deposit slip and make the deposit, which he did. Easily. The manager then came around and walked by me. I asked if she needed a statement, to which she responded yes. I was told that the actual manager ( her name is also XXXX ) would be in the following day and would likely give me a call to discuss the matter. So far, that call has not happened. The teller presented a fake policy/procedure to a banking client that if the banking client could not complete a deposit slip with the proper banking information, then the teller had the right to refuse service to the banking client. This was patently false. The teller had never been trained to refuse service to banking customers on their inability to provide banking data that could easily be procured by entering in the information on a state-issued driver 's license. The license was presented, however, the teller refused service until the manager forced the manager to complete the deposit slip directly.
Company Response:
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023 chase bank had closed my account due to fraud checks that were deposited in my account. The checks were officially seal checks from the controllers office because I am an XXXX XXXX XXXX XXXX XXXX XX/XX/2023 they were supposed to send a check with {$3000.00} from the account they closed but never did. They mentioned that they needed to verify that the checks were real and then they would release that hold and send over my money. Its been 2 months now and they still will not release that money to me. I have called multiple times and given them numbers from the controllers office to verify those checks and they claim they are not a business number. They still refuse to help me to get my money back to me. It is now XX/XX/2023 and they are still refusing even when I gave them numbers to call to verify those checks. This has been going on for too long and I just dont know what to do or my next step to get my funds back. They are still claiming that they can not get a hold of the state office or the number I have them is not a registered business number. I just want to get my hard work money back so I can pay bills.
Company Response:
State: CA
Zip: 91605
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A