Date Received: 2023-11-30
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I signed up for internet web-hosting a few years ago. About 6 months ago I cancelled the service. The company is still billing my card. The company doesnot provide telephone access any longer ( starting from XXXX ) and the chat system they provide as an alternative does not work. The company is called XXXX. The credit cvard company will only provide a phone number but tat number, as I mentioned earlier, does not work. I have no way to cancel my account an the credit card company will not deal with pendoing charges.
Company Response:
State: CA
Zip: 94306
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to formally dispute the inaccurate reporting of late payments on my credit report, which is adversely affecting my creditworthiness. After a thorough review of my credit report from, I have identified discrepancies related to late payments that are not reflective of my actual payment history. XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. I am deeply concerned about the impact of these inaccuracies on my credit score and overall financial credibility. The reported late payments are not consistent with my payment history, and I believe they are tarnishing my credit report unjustly.
Company Response:
State: CA
Zip: 90069
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: MY CREDIT WAS USED WITHOUT MY CONSENT TO OBTAIN DREDIT I HAVE UPLOADED FILES
Company Response:
State: FL
Zip: 33073
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023, I initiated a wire transfer of {$10000.00} to a XXXX XXXX account to purchase an item. Shortly after sending the funds, I realized it was a scam. The person used a photo editing tool to make it appear he was in possession of the item for sale, when he wasnt. I notified my bank, Chase, immediately. They recommended I contact the recipient bank ( XXXX ). I then visited my local Chase branch, and the manager advised they could initiate a recall of the wire transfer. On Monday morning, I contacted the local XXXX branch to whom I wired funds to advise them of the wire fraud. A gentleman at the bank advised me that the account was flagged, and that the funds were frozen. I am now waiting for XXXX XXXX to return the funds so that they can be placed in my Chase account.
Company Response:
State: PA
Zip: 166XX
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I opened a chase bank account. I pay for overdraft fee and usually keep my balance above limit. I had XXXX over drafts paid for at XXXX cents. CHase closed my account. I called Chase to ask why my account was closed. They said it was overdraft and closed I couldn't open an account with Chase again. I asked why what did I do and they said they would send a letter. Chase has not answered my question.
Company Response:
State: VA
Zip: 22201
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
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/2023 I purchased a piece of furniture for {$2600.00} from XXXX XXXX. The purchase was made via my Chase credit card. The order form stated a delivery date of late XXXX - early XX/XX/2023. As of XX/XX/2023 the item was not delivered. I contacted the company and was told the item would be sent in XXXX. The item never came. I contacted the company again and was told it would be delivered in XXXX. Come XXXX the item never came. I contacted the company and was told maybe next month. At this point the company was not giving me an estimated date, and I felt the like the order was a fraud. I told the company in an email, " unacceptable '' I know longer want the merchandise. It was months past the delivery date. I did not get a response. Come XX/XX/XXXX, the company dropped the item off at my house. I did not sign for it. I contacted the store, and they are currently in XXXX XXXX. They are now run by a liquidation company. I called my credit card Chase to dispute the purchase. Chase opened the dispute under the category " item not received ''. The company provided the deliver date and Chase closed my dispute. I reopened the dispute, telling Chase all of the facts. Chase closed the dispute this time stating I did not attempt to return the item. I did in fact attempt to return the item, and I did not accept it either.
Company Response:
State: FL
Zip: 33442
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: This is a complaint to the Consumer Financial Protection Bureau for discriminatory harassment against Chase representatives and private client banker XXXX XXXX, XXXX XXXX and XXXX XXXX. This is not a duplicate complaint and should be treated as a separate complaint. This is a discrimination and harassment complaint against Chase and XXXX XXXX private client banker, XXXX XXXX and XXXX XXXX. I was pursued by XXXX XXXX and XXXX XXXX they would access my accounts and create forced unprofessional connections with me. XXXX XXXX would encourage me to develop mental, emotional and physical connections, with XXXX XXXX although I didnt want to and because I didnt want to create connections with XXXX XXXX they both discriminated against me as a woman and had my account closed. When I left the branch XXXX XXXX private client banker, XXXX XXXX and XXXX XXXX would access my accounts and leave notations that werent true although I did not speak to them. Chase would encourage and support discriminatory and inappropriate behaviors from XXXX XXXX and XXXX XXXX towards me as a woman. Chase employees would force inappropriate mental, emotional and physical connections, cross my personal boundaries and leave notations that were not true violating consumer financial bureau regulations. Chase claims my account was closed for excessive deposits which is not true. I have not had previous accounts with Chase and I am requesting that Chase provide documentation showing that I had excessive deposits. I did not have excessive deposits I have never had accounts with Chase. I am requesting that Chase reopen and grant me access to my accounts immediately. I have refunds that were sent to the account. I would like my refunds of XXXX, XXXX, XXXX, and XXXX. I would like to know when I will receive my refunds.
Company Response:
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Chase has charged me XXXX dollars for an account that was closed. They refuse to reopen the account and stop the fees. They charged me XXXX dollars in fees already after I told them to stop and give me account information. If they closed my accounts how did they charge me and why all the fees? It is illegal.
Company Response:
State: IL
Zip: 61554
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: -I reached out in XX/XX/XXXX to remove my escrow account, Chase responded on XX/XX/XXXX that it would be removed effective XX/XX/XXXX. XXXX I reached out as the escrow account was still visible. I stated I needed clarification as my next payment ( autodebit ) was due on XXXX and I needed to know what my payment would be. Chase responded saying it would be the mortgage including Escrow, but that the extra for escrow portion of my payment would be in my escrow refund check. -I am then told in another message on the same date, that although the effective date of escrow removal is XX/XX/XXXX, it can take another 5 business days to take effect. This means it isn't really effective on XX/XX/XXXX, Chase is just pretending. -On XXXX, I reach out AGAIN to Chase, as they applied the escrow portion of that payment as extra principle. Chase decided on it's own, even after confirming with me it would be returned, that that the escrow closure did in fact process and that this was an extra payment. -Chase escalated this and then responded. They agreed to refund the extra principle payment. They then put it entirely on me, stating extra money first goes to principle. The problem is that this wasn't extra money, this was money that Chase 's own employees promised me would be refunded. Instead, I had to go through all of these extra hoops. Chase needs to be responsible for what their employees state and be truthful about how these processes work. Just because Chase is a multibillion dollar company doesn't mean that they can make up their own rules/change things at their leisure. As I have received this money back at this time, this complaint is to place this in the public record, and to ensure the CFPB has another instance of Chase just " doing whatever it wants '' in regards to consumers. Whether any laws were broken, I am not sure. However, Chase actively did not do what they said they would do in writing, and I had to spend lots of time and effort to get them to fix it. This is a part of the final response I received from Chase : " We apologize for any confusion and inconvenience caused by the prior communication regarding your automatic payment refund. Please be assured that we will address this matter internally. ''
Company Response:
State: NJ
Zip: 08054
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: In approximately XXXX I moved to XXXX XXXX from XXXX. I started bank accounts with Chase Bank in XXXX, NY. A safe deposit box was given to us. I stated at the time that I did not want it, nor did I need it. The Chase employee said not to worry that it was free and I didn't have to use it. In XXXX we moved from XXXX XXXX to XXXX. We made arrangements to move accounts and met with the bank to close the safe deposit box. In XXXX we moved back to Michigan and then in XXXX, Chase sends us a notice that we still have the safe deposit box and that they will no longer be free and we will be charged {$90.00} a year rental. My wife called to dispute this and was told the box was never closed and that they never received the keys. Chase also stated that we have to be there in person to close the box, there is no other way. We have been trying to close this in every way possible an simply think that it is unfair to start charging for a safe deposit box and give me no other way to close it than to travel XXXX plus miles each way to close this in person.
Company Response:
State: MI
Zip: 48176
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A