Date Received: 2023-11-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I withdrew {$190.00} from XXXX XXXX XXXX XXXX XXXX, NV. I needed to go to casino to collect the funds I withdrew from my Chase bank account. I decided not to get the funds from casino and went home. Usually, casinos will refund the fund within XXXX hours. However, I noticed my account has not been credited. so I contacted XXXX XXXX and asked what was the status of my credit. The supervisor cashier casino stated it will take XXXX business days to refund the money back to my account. On XXXX I contacted Chase bank and explained the situation, the customer service rep gave me a temporary credit until the funds come back to my account. on XX/XX/XXXX I noticed Chase reversed my credit, according to Chase XXXX needed receipt to show that this transaction occurred at the casino. I went back to XXXX XXXX regarding visa 's request. They stated that since there is no transaction, they have nothing to provide for XXXX to verify that I did not collect the funds. They suggested I contact XXXX ( ATM machine ) and ask for copy of the transaction. I contacted XXXX they email me a receipt of transaction and I faxed the copy to Chase bank. On XX/XX/XXXX I received yet another credit from Chase due to the fact I have proof that the transaction occurred, and I never collected the funds from the casino. I thought the situation was resolved, when again Chase debited my account for {$190.00} on XX/XX/XXXX. On XX/XX/XXXX I called Chase once again, and spoke with XXXX manager at claims dept and she stated that Chase can do nothing because XXXX XXXX stated that the funds were credit to me and there is nothing they can do too bad your out of funds. I was frustrated and stated this is a fraud and you need to investigate the matter. XXXX with Chase bank state she can not do anything and the matter has been resolved on there end. Now i'm out of {$190.00} and they refuse to help me get my credit back from the merchant.
Company Response:
State: NV
Zip: 89145
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/23 deposit check for {$2500.00}. Account restricted and hold placed. Fraud contacts employer, verified check, restrictions lifted, hold remaining. XX/XX/23 branch manager verified check AGAIN and removed hold. Confrontation with employer leading to termination, co worker called and reported fraud after already verifying check multiple times. Account restriction again, branch manager fixes, fraud continues to do it, I was told to file a police report, account still restricted no access and no resolution. EVERY representative had an entirely different response
Company Response:
State: CO
Zip: 80204
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: Hello, i am here writing a complaint more as a notice so that i can have the cfpb by my side throughout this upcoming process. Chase bank has an unauthorized inquiry on my XXXX credit report that i want removed. Attached is a word document which is the exact letter i printed out and sent to chase via certified mail to let them become aware of what it is i want and the current situation. In the letter i also let them be aware that i would be copying the cfpb so it would force their hand to respond. Thank you!
Company Response:
State: FL
Zip: 33193
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: Last year while living in XXXX, I had my debit card stolen. The person was using the account over a period of a week or so and I realized in time to call Chase before the account was fully drained. They asked me to present all the transactions that were fraudulent and I did so the best of my ability. They mailed me a new card, then soon after cancelled my account after I activated the new account. In addition, they reversed every single disputed charge and said I was banned for life from opening account with Chase. This was devastating as I was relatively new to the bank and they were my XXXX XXXX XXXX To this day, I still have a balance over my head with Chase that they call about periodically and Im sure Im still banned from opening an account with them. When I asked why the account was closed, nothing was ever said in detail to me so Im not completely sure what they think I did wrong. When I said the charges were not my fault, they simply told me Chase reserves the right to terminate a relationship with a bank at any point. Im sure this is a company policy, but I felt discriminated against because of the nature of the incident and how I was suddenly banned although my card was legitimately taken.
Company Response:
State: MD
Zip: 21244
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 company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XX/XX/2023, I submitted a request to Chase Auto to investigate the accuracy of information being reported to XXXX, XXXX and XXXX XXXX Credit Reporting agencies. Chase replied with the attached letter dated XX/XX/2023, informing me the information was being reported accurately. I have illustrated these errors in the resolution to issue section below. No actions were taken to correct the obvious errors in the most recent XXXX credit reports that I have also attached. Chase has failed at performance when it comes to this consumer loan failing to properly investigate on multiple occasions in accordance with Federal Regulations. This was a Joint acconnt and the XXXX Reports are inconsistent with XXXX and XXXX Please review the attached documentation and investigate.
Company Response:
State: LA
Zip: 70117
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: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/23, I requested and received from Chase Bank an email with a coupon code to get up to {$900.00} for opening a new checking account and a new savings account, then fund the savings account with {$15000.00} within 30 days of account opening, and make a direct deposit to the checking account within 90 from account opening. The offer is valid through XX/XX/23. The email from Chase has a coupon code to provide to a banker if opening the accounts at a Chase branch. The email also has a green box to click on to open the accounts online. Below the green box is the statement " Coupon code applied when you click Open both accounts. On XX/XX/23 I clicked on the green box the email and opened my new checking and savings account. I've funded my savings account with {$15000.00} new money on XX/XX/23, and will have a XXXX XXXX from Social Security to my checking account on XX/XX/23. On XX/XX/23, I sent a Secured Message to XXXX to confirm that the coupon code was automatically applied to my accounts like it should be. A rep responded that my accounts did not have any coupon code applied to them, and it was past the 21-day limit for the rep to apply the code manually. On XX/XX/23, I called Chase Customer Service about the issued. A rep took all the information then passed the call to her supervisor. The supervisor opened a ticket to have the case researched by someone higher up. On XX/XX/23, I received a call from Chase rep telling me that the issue has been passed on to the Banking Team to apply the coupon code and they would get back to me within 3 to 5 business days. On XX/XX/23, I called Chase Customer Service to inquire on my case because I still haven't heard back from the Banking Team. I was told that the coupon code still has not been applied to my accounts. I want to have this issue resolved by having the coupon code applied to my accounts. If Chase needs the code from the email that Chase sent to me, they can contact me and I'll provide the code over the phone.
Company Response:
State: KS
Zip: 66605
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: 2023-11-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 my mom sent me a wire transfer for XXXX. She went inside XXXX XXXX and sent the wire directly with the manager and both their signatures. The wire was successfully send and was deposited into my chase bank. I manage to withdraw XXXX from my account before chase froze my funds and account. I called in to see what the issue was and chase told me that XXXX recalled the wire transfer and that they had to be sent back. Today is XX/XX/2023 and chase still has my funds totaling XXXX sitting in my account. I went inside my branch chase in XXXX Texas on XXXX and spoke to XXXX who was the Manager at this branch. He helped me call in to the fraud department and they asked me a bunch of questions and also told me to submit documents proving that my mom sent the funds. I did what they had ask and they came back and told me they would send me a check for the total amount of XXXX and I would be expecting it in 5-8 business days. I went back into the branch today because it has been way past the deadline and XXXX told me the wire department wont release my funds and I ask why and he wont give me an answer. His exact response was the fraud unit cleared the check but the wire department denied it, you have to go to XXXX to get your money back. I ask him why would I go to XXXX, when Chase has my money? At this point its been almost 3 months and chase wont give me back my money. Ive already contacted a Banking attorney and will take legal actions against chase.
Company Response:
State: TX
Zip: 75052
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: Chase Bank Credit Card decreased all credit cards limit to all three credit cards. I have been paying off my credit cards and had 0 issues on missed payments. Chase decided to lower all of my limits to my cards which causes hardship and burden against my utilization ect. Requesting to revert my limits back
Company Response:
State: IL
Zip: 60076
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: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: XXXX XXXX XXXX Chase Bank for Declining Dispute of Fraudulent Charge ( Case Number : C # XXXX # XXXX ) To Whom It May Concern, I am writing to submit a formal complaint against Chase Bank regarding their handling of a fraudulent charge dispute, referenced by the case number C # XXXX # XXXX. My numerous attempts to resolve this matter directly with Chase Bank have been fruitless, and I seek the assistance of the Consumer Financial Protection Bureau in this regard. On XX/XX/2023, I encountered a fraudulent charge scenario while booking accommodation through XXXX. During a search for a villa in XXXX, I was led to a listing by an unknown individual in a group chat. The villa was advertised at approximately {$23.00} per night. Believing this to be a fair price, I proceeded to book the villa for a total of 4 nights. However, upon completing the booking process, I was unexpectedly charged a total of {$490.00}, a stark discrepancy from the initially advertised rate. Alarmed by this significant overcharge, I immediately reached out to Chase Bank to dispute the transaction. A representative from the bank provided reassurance that the matter would be addressed once the transaction moved from pending to posted. However, this promise was unfortunately not fulfilled. Upon returning from my trip, I discovered the charge remained unaltered. My continued efforts to engage Chase Bank, including detailed written communications and the provision of supporting evidence, have been met with consistent denials. The bank has unjustly relied on the propertys cancellation policy, neglecting the fraudulent basis of the charge. On XX/XX/2023, I received a communication from Chase Bank asserting the legitimacy of the transaction, thereby disregarding its fraudulent nature. This response is not only unsatisfactory but also indicative of a severe lack of client protection and service. I emphasize that I did not utilize the services of the villa in question, as substantiated by the attached proof of my communication with them regarding a refund and cancellation. Therefore, I respectfully request your intervention in this matter. I am seeking a full refund of the disputed amount of {$490.00}, including any related interest charges. I consent to the CFPB sharing this complaint with Chase Bank for their response. I appreciate your prompt attention to this matter and look forward to your support in resolving this issue. I am ready to provide any additional documentation required to substantiate my claim. Thank you for your consideration. Sincerely, XXXX
Company Response:
State: CA
Zip: 90291
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: -This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Company Response:
State: TX
Zip: 76542
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A