Date Received: 2023-11-28
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have been having fraudulent charges on my account and I called CHASE bank and informed them that I did not authorize the charges that I had disputed and each time they have held me responsible for these charges. I was never given any written authorization that bear my signature that I authorized these charges. As a consumer I am suppose to be held XXXX fraud liability for charges that I didn't authorize. I am suppose to be protected under the fair credit billing act which my rights a consumer has been violated. I am now complaining to FTC, CFPB and the FEDERAL RESERVEBOARD
Company Response:
State: IL
Zip: 60431
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: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payment on my credit card on XX/XX/2023. I did not know that the payment did not go through. On XX/XX/2023 my card was declined on multiple transactions. I called chase and found out a payment was not made so my card was suspended. I told them I paid on XX/XX/2023 and that I had the same problem earlier this year. The rep said he would reverse the late fee, remove the interest charge and process the payment for {$9900.00}. After the payment was made, he refused to reinstate my card. I called in to chase on XX/XX/2023 to get my card activated. I was told that no payment was made the night before. I have asked chase for the recording of the phone call and they have not provided it as of the filing of this complaint. I asked to make the payment again and wanted my card reinstated. The rep said it could not be reinstated until the payment was received from my bank. She said this could take days. I called into a local branch and asked if i paid the credit card with cash or a cashier check, would chase reinstate the card immediately. The girl I spoke with asked her supervisor and was told yes. When I arrived I was told by the branch manager that my card would not be reinstated until the next day. I told him that I was told it could be done immediately and he told me that I did not hear the rep correctly. This is gaslighting. He didn't hear the conversation, nor had he spoken with the rep. When I asked to hear the recording, he changed the subject and called me hostile because I kept asking. He refused to help me any further and said the teller would take my payment. When I approached she was immediately rude to me. I placed my card down too hard for her liking and actually said to me " can I ask you why you feel like you can act like that? '' Act like what? Frustrated? I am so sorry that my justified frustration with your company bothered you. I took my card back and left. I couldn't believe how terribly I was treated. I went to a different branch and was helped immediately. However chase has still refused to reactivate my card. I was told that as soon as chase received payment from my bank, that the card would be reactivated. Chase has lied to me. I need my card reactivated immediately. I need the {$40.00} late fee refunded. I need the interest charge removed. I need my credit to be put back into good standing.
Company Response:
State: CA
Zip: XXXXX
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: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I put money on atm and atm swallow half of my deposit and half it didnt. Im missing XXXX XXXX In total I put XXXX. And multiple calls and just promises it will be fixed in XXXX hours and money still wasnt deposited
Company Response:
State: NY
Zip: 10801
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Subject : Dispute Case # XXXX - XXXX XXXX Dear Chase Bank Customer Service XXXX I am writing to address a matter regarding the dispute case associated with XXXX XXXX XXXX referenced as Case # XXXX. Recently, I received correspondence from your bank indicating that the dispute has been resolved. However, I want to stress my concern again as below. In the course of my conversation with your representative, she explained that the hotel had invoiced me directly in US dollars, totaling {$960.00}. Conversely, the XXXX XXXX had previously communicated with me via email, indicating that the charges were made in XXXX dollars, amounting to XXXX XXXX dollars. I was further informed that Chase Bank 's exchange rate conversion resulted in a charge of {$860.00} for the equivalent of XXXX XXXX dollars. Given the evident disparity between the charges in XXXX dollars and the XXXX dollar amount communicated by XXXX XXXX, I kindly request that you initiate communication with XXXX XXXX to reconcile the price difference. My dispute is rooted in the discrepancy in charges rather than any dissatisfaction with the services provided by the hotel. If you believe that XXXX XXXX did not make any mistake, please list the charges about the foreign exchange of this XXXX XXXX dollars from Chase bank. I appreciate your prompt attention to this matter and kindly request that you address the pricing issue with XXXX XXXX at your earliest convenience. Please keep me informed of any developments in this regard. Thank you for your assistance in resolving this matter. I look forward to a swift resolution and a prompt update on the progress made.
Company Response:
State: IL
Zip: 61822
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have several inquiries on my credit report that were not authorized and are unknown. Ive tried disputing with the companies, but I was told to dispute with the credit bureaus. I've disputed with the credit bureaus several times, but they have not removed those inquiries. I have not given my authorization for the inquiries, and I do not recognize any of the companies. I have not applied for new credit ( house, car, nor credit card ). Ive asked for them to send me written proof of my signature of authorization, but they can not provide this information. I would like for these inquiries to be removed from my credit report for all reporting bureaus.
Company Response:
State: GA
Zip: 30016
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: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have tried to file this multiple times. I got a new computer months ago. The chase website and chase app does not allow me to log in because it is a 'new device. ' same with my phone. I have an old computer that allows me to access my accounts, TO PAY CHASE of course. Nothing will stop Chase from taking money, but that is all they allow for. Taking money. It has been months. I had to change my phone number again due to security issues. I have no option to contact this corporation at all. the 800 numbers they provide do not work. I am put on hold for over an hour if I do manage to get through, so I have been able to speak to no one. I have recurring phone calls with ADA compliance from CHase credit cards to go over some outstanding disputes. I have been unsuccessful at getting these calls now that I have a new phone number and Chase refuses to allow me to update my account to enter this phone number. I now have extravagent charges on my credit cards that are not valid. I have missed 90 day windows to file new disputes and I am really not getting any of the legal services I am entitled to. Furthermore as a XXXX person the ADA allows me REASONABLE ACCOMMODATION. My reasonable accommodation request is to FOLLOW THE LAW AND GIVE ME ACCESS TO MY ACCOUNTS NOW My new phone number again is XXXX the one computer I have access to these accounts on is XXXX hours from me and I will not be paying my monthly payemnts this month because I CAN NOT PHYSICALLY ACCESS THAT DEVICE this is illegal. I have to consult an attorney at this point because it's once again another corporation destroying my ability to live and violating my legal rights I had an email address to the division XXXX works in that now gets bounced back to me. I have again no other choices but to look for legal representation to force Chase to give me access to my accounts. I got voicemails and no return phone numbers ever given to me by Chase. I am well aware this billion dollar corporation has the ability to resolve this easily and simply refuses to.
Company Response:
State: CA
Zip: 91214
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: 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: I received today 's date information that my prior complaint had been resolved. Chase Bank stated that I still owed {$46.00} for a purchase using their credit card. The Chase Worker Executive Office assigned the original complaint told me to contact Chase 's Customer Protection Group at XXXX every day from XXXX XXXX to XXXX XXXX. XXXX XXXX. I attempted to contact them without success today 's date. I have never received a statement or late payment due from Chase Credit Card Service. I have told the worker from the Executive Office that information. I attempted to get that information today 's date from the number the worker provided. I left a message with the Executive Office worker two weeks ago and today 's date. The worker has not contacted me about getting a specific statement on the billing listed. I would like to resolve this dispute, but I am not privy to Chase 's Information on my own account. I did not receive any information on this bill. I would gladly pay ASAP the original bill if I can confirm that I made the disputed transaction. I however do not feel any additional charges should be paid by me for a bill that became overdue with no notification to the card holder.
Company Response:
State: IN
Zip: 463XX
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I made a deposit of {$3000.00} cash at an ATM outside a Chase Bank Branch ( Term ID : XXXX ) to my business account. When the ATM took my money it then gave me a ticket stating I needed to call the XXXX number to access the funds I had just deposited. I was placed in a critical situation as payments needed to be made that day so I proceeded to try and deposit more money in the ATM right next to the one I had just finished using and decided to try to deposit an additional {$1000.00} I had left since I was not able to access the money I had initially deposited. The {$1000.00} deposit was made successfully and went on to call the XXXX number on my ticket to dispute my {$3000.00} dollar deposit made initially. The representative that took care of me at Chase bank began to ask for all the information that was on the ticket the ATM provided and stated the money would be available to me in a few days as he had to submit a claim to research what happened however, he failed to explain to me that once the money was available in my account there could be a possibility that they could deny this claim and the money would be taken back if that was the case ( temporary deposit ). I would have immediately said something to him and would not been ok with having a temporary deposit because I know I made this cash deposit into my account. once I submitted the claim and received the money into my account days later I proceeded to use the money in my account as I usually do when I make cash deposits. on XXXX I then see my account in a negative status as Chase decided to take my {$3000.00} stating on my account activity description : '' Claim reversal : missing claimid '' without a phone call or any form of explanation leaving me in a negative balance. I honestly do not understand when or how they decided that my deposit had not gone through and what type of investigation was done on the Chase bank side to make this final decision. I was extremely upset and decided to then reach out to Chase to ask when, why or how this came about and they stated they would no longer be able to help me as the claim had been finalized and that they had found that the funds had not been deposited to the ATM that all the cash was accounted for, she stated I needed to go in person to the Branch and that they would help me there. I was at the bank at XXXX that afternoon asking for an explanation and help in solving this issue as I had made this deposit and Chase had just randomly decided I didn't. XXXX at this Chase bank was extremely professional and explained to me that he didn't understand why the representative over the phone would ask me to come in to the Branch as he starts to explain that any ATM outside the branch is a third party company that counts the money daily. XXXX helped me submit a formal complaint online and was so helpful with my situation however, my problem has yet to be solved! I again had to call chase to see what the status was on my issue and they had to resubmit a claim for the 3rd time as I still had not heard from anyone that could help me. I ask that this is investigated throughly as my money was deposited on XX/XX/2023 and all I have is a termID number of the ATM I used. Cameras do need to be accessed and looked into to help me solve this issue and the third party company involved in counting the money in the ATM 's also need to be investigated.
Company Response:
State: TX
Zip: 77489
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: 2023-11-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In XXXX, I initiated a payment from my XXXX checking account to pay my Chase credit card. I had recently made a large purchase on my XXXX account, and had received a call to confirm I made the charge. Despite calling back within 10 minutes and leaving a message providing such confirmation, XXXX temporarily froze my account. As a result, the payment was declined and Chase unlinked my XXXX account as a payment source. Chase will not relink the account without a verification of deposit letter on XXXX letterhead. XXXX will not issue a letter, and will only complete a form provided by Chase. Chase will not issue a form. I've spent numerous hours on the phone with each/both institutions, in chats, and on social media and neither will assist. As a result, I need to make multiple transfers to other accounts just to pay my monthly statement... I'm told my only options are to pay by phone, mail or another account, which seems RIDICULOUS - particularly since Chase lets me use the XXXX account to pay XXXX other cards.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I called the chase bank on XX/XX/XXXX due to unauthorized charges in the amount of {$16.00} from Amazon XXXX from XX/XX/XXXX until XX/XX/XXXX and I did not authorize those charges because I don't have Amazon XXXX and I called the Amazon and they said to call my bank to dispute all of this charges that I did not make. I received a letter from Chase and they said that they can only dispute only the 60 days of charge and I'm responsible for the rest. This is not fair for me. This is fraud and why did they allow those charges in my account that I have no knowledge about. I called the chase bank and they told me to call the Amazon and I called the Amazon and they told me to call chase bank they are passing me back and forth. This is fraud and stealing.
Company Response:
State: CA
Zip: 95131
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A