Date Received: 2023-11-29
Issue: Repossession
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Financed a XXXX XXXX XXXX through Chase Bank XX/XX/XXXX. First was told 90 days no payments which was not the case. Called to bring loan current and was told account was charged off and that I only had XXXX options. First surrender the vehicle or second pay XXXX $ on an {$78000.00} loan. Was also told that I will be receiving an IRS form 1099C showing that I received a payment of {$86000.00} even if I pay the loan in full. I was told this by two different supervisors at Chase financial. So the bank charges off {$86000.00} as a loss with the IRS, Keeps an additional {$86000.00} in profit if I pay in full and I have to show to the IRS that I received an additional {$86000.00} in income that I never receive.
Company Response:
State: AK
Zip: 995XX
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: In XX/XX/2023, my bank allowed a fraudulent wire transaction to take place without my approval or authorization in the sum of, {$190000.00}. It was determined in XX/XX/2023, after an internal investigation, that the money wold be recalled ( returned ) to our bank account. We found this out after filing a previous complaint with you all, the Consumer Financial Protection Bureau. To date, the money has not been returned and, we have been trying to speak with an executive at Chase Bank to ask that, in good faith, at least half of the monies be returned to our bank account as we have employees on payroll and rents to pay. This situation has put our organization in a very delicate financial hardship.
Company Response:
State: NY
Zip: 11238
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My trip back from XXXX ( XXXX ) to XXXX XXXX XXXX XXXX ) was delayed because my daughter got into an accident and hurt her leg badly. We had to delay the trip and hence had to pay the difference in price for the travel back. I used Chase Sapphire card for the trip which claim that they have trip delay insurance. In this case, inspite of filing the claim and going back and forth several times with the claims department, my claim was rejected saying it is not a covered benefit.
Company Response:
State: CA
Zip: 94536
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Received this message on XX/XX/XXXX Chase Fraud : We declined {$500.00} with card ending XXXX XXXX XXXX Was this you? Reply YES or NO. If yes, you will not be charged unless the purchase is attempted again. If no, we will close your current card and send you a new one that you should receive in 5 to 7 business days. Msg & data rates may apply. I replied NO Chase Fraud : Thank you, we will close your card and send you a new one that you should receive in 5 to 7 business days. If you recognize all the other charges, you don't need to do anything else. If you see other charges that aren't yours, please call us using the number on the back of your card. Checked app on the XXXX XXXX XXXX XXXX and no update in my transactions. On XXXX XXXX XXXX XXXX the unauthorized purchase was included in the balance but nothing was in the transactions to show this. Checked again at XXXX XXXX. and suddenly 6 purchases appeared on my list of transactions, 5 were {$97.00} and 1 was {$15.00}. I tried to dispute the claim but the app says, 'that part of the site isn't working. '
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I used the service for the first time to take a payment for items I was selling. The customer inpute their card information and I received a receipt, which I sent to the customer via text message. Total purchase was {$7800.00}. After a day or so the funds were not in my account, so I contacted the company. They said they had sent me an email with questions I needed to answer before they could release the funds. I sent them a copy of the invoice which included all of the customers information, and I answered all of their questions about my business. I then recieved an email from them stating that they determined my business to have a high probability of charge backs so they would be closing my account. The {$7800.00} would sit with them for 120 days before they would release it to me. I called them to tell them to send the money back to the customer, and the customer would pay in cash instead and they informed me that because they closed my account they could no longer issue refunds either. Essentially they have {$7800.00} of my money that they are holding hostage for 4 months. The customer has the product as I was expecting to recieve the funds.
Company Response:
State: IL
Zip: 60451
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: On XX/XX/XXXX I received 2 emails from Chase Bank indicating I put in for a checking account had been approved for a checking account of which I had no knowledge of this account. On XX/XX/XXXX I received an email stating that the email address had been changed I called the fraud department and spoke to three different people and the questions being asked I didn't feel comfortable giving over the phone I informed the rep I would go to a branch on Friday. On XX/XX/XXXX I went into the branch at XXXX XXXX and I was told I needed an appointment and I was given an appointment for XXXX. I returned before XXXX I spoke with a very nice young lady XXXX who directed me to the fraud department and they would put in a fraud alert. I asked the rep If it would be possible I could get the information off the account to pursue go further with this matter since the bank has an email address as well as a telephone number for this person I was told no yet the account is in my name with all my personal information. At this point I feel like I am the criminal and not the victim. It seems as though whoever set this account up is being protected by the bank. I am asking for the information to pursue this and this account closed out completely.
Company Response:
State: MD
Zip: 21215
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/, I filed a travel cancellation/interruption claim for {$450.00} with respect to my Chase Sapphire Reserve credit card. In confirmation, Chase card benefit services assigned claim number XXXX. We had to cancel a bed and breakfast reservation in XXXX on XX/XX/ outside of the permitted cancellation window of the establishment because of XXXX for my XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I contemporaneously uploaded and submitted supporting documentation at the time I submitted the claim. I received no further communication from Chase. On the website my claim remained in " pending '' status. On or about XXXX XXXX XXXX I called Chase to inquire of the status. I spoke with XXXX XXXX XXXX who indicated he was in a call center in the XXXX. He indicated I would receive a written communication the next day from Chase describing further documentation I would need to submit in support of the claim. I received no such communication, and the website does not appear to describe any such further necessary documentation.
Company Response:
State: MD
Zip: 21401
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My wife and I attempted to use the Chase Bank application to submit a payment from my XXXX XXXX savings account. Instead of just asking for the routing number and account number, Chase was asking for my login information, including password, to my XXXX accounts. Who in their right mind would provide a third party access to their accounts where this third party could have full ability to conduct any transactions they wanted? This seems very suspicious.
Company Response:
State: NC
Zip: 271XX
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 6 11.
Company Response:
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I am a Chase Sapphire CM. A few days ago I tried to complete a wire transfer that got cancelled by my bank ( Chase ), I called in to request the reason, they advised me that they were likely having a system issue and I should try again in a few hours. I tried the next day and again the wire was cancelled, after calling again I was told that my account has a restriction notice and will be cancelled, when I asked for the reason they told me that is confidential info and will not tell me! I've been on the phone with them today for over 1 hour talking to all sorts of departments and no one can tell me what's going on, eventually one of the supervisors I was talking to placed me on hold and disconnected the call. I have been a customer for close to 20 years and have NEVER had a problem. I keep appropriate amounts of funds, I have other Chase products, my salary is direct deposit... again, I cant imagine why they would do this. And the fact they wont tell me why is very upsetting. I am being treated as a criminal and that is not acceptable. Cancelling my account will bring me enormous pain as I have mulitple direct debit and credits linked to this account. Please help me
Company Response:
State: FL
Zip: 34746
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A