Date Received: 2023-11-20
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: In XXXX of XXXX, I opened a business checking account with Chase to place liquid funds for my business. I was informed that the minimum balance required to avoid a $ 12 monthly maintenance fee is {$1500.00}, to which I complied. On XX/XX/XXXX, I was informed by a Chase Relationship Banker over the phone that my account had been incurring monthly maintenance fees. This was a shock to me, because I was sure that I had maintained the minimum amount, which I had. However, as of XXXX of XXXX, {$15.00} maintenance fees were being charged. On XX/XX/XXXX, I was credited with 7 of the 23 fees that were debited from the business checking account over the last two years. I was told that the minimum balance had always been {$2000.00} and in order to receive further credits, I would have to provide documentation of the {$1500.00} minimum balance requirements at the time that I opened the account. On XX/XX/XXXX, I reached out to a Chase Relationship Banker via email and provided him with a scanned copy of the documents proving that my business checking account was established with the {$1500.00} minimum balance requirement. I have not heard from him since. I have tried to call him directly, and have received no answer. Any time that I have called the Chase customer service line for assistance, they keep pointing me back in the direction of the Banker.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XXXX at XXXX CT, I updated my credit card numbers on the XXXX XXXX XXXX for restaurant rewards. XXXX minutes later I received XXXX spam calls, and XXXX spam text messages from various car dealerships around the Chicago area saying I was interested in a vehicle they have for sale. XXXX XXXX is sending fake leads to businesses on behalf of consumer card holders.
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: I deposited 2 checks via mobile deposit ( first time doing so ) on XX/XX/. Both were from my parents for XXXX XXXX. Chase put a 10 day hold on the checks, I was going on a XXXX XXXX and needed cash sooner. I called Chase, at which point their representative instructed me that I could cash the checks with the original banks and the deposits would simply bounce from Chase. I asked multiple times on a recorded line if there would be any issue with Chase on this end, because understandably it appears as fraud. I was told 'No penalty on Chase 's end ' more than once. Subsequently they closed my account. This was over a month ago. I was not made aware of the closure and wasn't able to change my direct deposit information because I was unaware of the closure. They have since withheld funds from me, told me they had mailed me my remaining balance, then cancelled the funds. They still have yet to give me one check, two payroll checks and my remaining balance. This has caused late fees, impacted my credit score and ability to finance a certification required for my job.
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
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: Consumer Financial Protection Bureau ( CFPB ) Complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Complaint Against XXXX and Chase Dear Consumer Financial Protection Bureau, I am filing a complaint about a deceptive sales practice by XXXX and the lack of support from Chase. The details are as follows : - Service Provider : XXXX - Credit Card Company : Chase Sapphire XXXX - Transaction Date : XX/XX/2023 - Amount : {$4900.00} I believe the sales tactics employed by XXXX during the presale event for the XXXX XXXX concert may have violated consumer protection laws. Specifically, these tactics appear to contravene state UDAP laws, which prohibit deceptive and unfair business practices. Furthermore, the promotion and advertising of the event could potentially be in violation of the Truth in Advertising Laws, as enforced by the FTC, due to the misleading sense of urgency and scarcity created. I am concerned that these practices were not only unethical but also potentially illegal under these consumer protection statutes. I experienced high-pressure and deceptive sales tactics during a XXXX presale for a XXXX XXXX concert. After registering for an exclusive presale code XXXX XXXX XXXX XXXX ) and subsequently being told I wasnt selected and thus waitlisted ( XXXX XXXX ), There were more fans registered than there are tickets available for this tour. A limited number of fans were randomly selected to get access to the sale based on ticket availability and others were placed on the waitlist, I then received a last-minute presale code within an hour of the waitlist email, creating a deceptive sense of urgency and scarcity. I purchased four tickets for {$4900.00} under stress and time pressure, with a misleading sense of exclusivity and limited availability. Subsequently, today. I found that identical tickets are now available for much less, suggesting a manipulative pricing strategy. This experience has caused significant financial distress, and my attempts to address this with XXXX and Chase have been unsuccessful. XXXX stated this is dynamic pricing and set by the artist and therefore they can not offer a refund or credit. However, none of the purchasing process, including their terms of service, Of XXXX XXXX XXXX XXXX XXXX FAQ made clear I was subject to dynamic pricing or explained that based on demand, the tickets I purchased could eventually go for half or even a quarter of what I paid. XXXX instead briefly flashed a one sentence opaque disclaimer before I was allowed to enter the queue which was actively counting down on the screen and thus facilitated this theft by deceiving me into believe I was participating in a presale exclusive to fans. Chase said there is no category for them to place the potential fraudulent ticket practices dispute into. They said they can put it into canceled but that would mean they would have to follow XXXX refund policy which is that there are none. I am going around in circles. I seek CFPB 's intervention to first examine Chase for failing to investigate my dispute which is clearly a scam. Second, investigate these sales practices for fairness and transparency and assist in resolving this matter. To be fully transparent, I want a full refund and opportunity to purchase these tickets at fair value, equal to what the person who purchases them at the lowest price pays. Enclosed are relevant documents, including presale communications, the purchase receipt, and evidence of the current lower ticket prices. Thank you for reviewing my complaint. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Terms of Use XXXX XXXX XXXX XXXX Screenshot of supposed disclaimer which is unclear when delivered under pretenses of ticket scarcity as portrayed by presale emails. XXXX XXXX XXXX XXXX XXXX of Tickets now less
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Lost or stolen money order
Subissue:
Consumer Complaint: i received a check XXXX XXXX XXXX XXXX on XX/XX/XXXX for ( XXXX dollars ) which i worked for since XXXX to XXXX until the pandemic happened and it closed, i was in the local XXXX union also. The hotel got bought out by an XXXX XXXX and they paid all the workers severance money for working there. I went to the XXXX and picked up my check and cashed it at Chase Bank, they cashed my check into my account and then they froze my account. I called and they said the check could be fraud, i told them IT WAS NOT, they wanted the contact number to clear the check. They kept telling me they COULD NOT CALL the number i gave them because it was not registered to XXXX XXXX XXXX XXXX XXXX. I called the issuer of the check and their attorneys and told me they will help me if chase will call and connect the call. XXXX did not help so i went to the XXXX branch and was helped by XXXX XXXX and she spoke to the fraud department and the department said, if the issuer sends a notarized letter with the company letter head explaining that they issued me the check? i was cleared but the issuer sent the email to the chase branch and they told us that the letter would not work. XXXX XXXX talked to her supervisor and they made a complaint for me. Since XXXX i have been talking to numerous people in chase and they keep denying to call and clear the check. The issuer told me they tried all they can and since XXXX cashed the check into my account? then there is nothing they can do but get an Attorney to help me with this case.
Company Response:
State: NY
Zip: 11378
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am a federally protected CONSUMER under title 15, chapter 41. I am a natural person and the original creditor in all consumer credit transactions in which I have participated in. Chase has violated 12 CFR 1002 Regulation B by failing to notify me in writing that they were taking adverse action and closing accounts ending in 3116 and 5285. The accounts were closed after a billing error dispute with the account ending in 3116 in which Chase remains in dishonor for failing to perform a discharge or mutual offset with the U.S. Treasury. There was no billing error dispute with the account ending in 5285. However, Chase performed an unauthorized credit check to cover up the illegal adverse action. According to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any `may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Chase is unable to produce the authorization from me to check my credit before closing the accounts in 3116 and 5285. 12 CFR 1002 Regulation B states : ( 1 ) When notification is required. A creditor shall notify an applicant of action taken within : ( iii ) 30 days after taking adverse action on an existing account; or ( iv ) 90 days after notifying the applicant of a counteroffer if the applicant does not expressly accept or use the credit offered. ( 2 ) Content of notification when adverse action is taken. A notification given to an applicant when adverse action is taken shall be in writing and shall contain a statement of the action taken; the name and address of the creditor ; a statement of the provisions of section 701 ( a ) of the Act ; the name and address of the Federal agency that administers compliance with respect to the creditor ; and either : ( i ) A statement of specific reasons for the action taken; or ( ii ) A disclosure of the applicant 's right to a statement of specific reasons within 30 days, if the statement is requested within 60 days of the creditor 's notification. The disclosure shall include the name, address, and telephone number of the person or office from which the statement of reasons can be obtained. If the creditor chooses to provide the reasons orally, the creditor shall also disclose the applicant 's right to have them confirmed in writing within 30 days of receiving the applicant 's written request for confirmation. Chase committed fraud by saying they were unable to perform the discharge, yet keeping the 1099A, and failing to provide a Notice of Dishonor from the U.S. Treasury, and a copy of the accounting paperwork for the account such as 1096, 1099OID, 1099A, INC, PRC etc. Chase continued to commit fraud by claiming they notified me of the adverse action when that was not the case. Chase illegally checked my credit to come up with the excuse that the account ending in XXXX was in bad standing when it never was. Chase previously received via certified mail XXXX XXXX XXXX XXXX XXXX XXXX and secure messaging, Non-Negotiable Notice of Default in Dishonor and Estoppel. The notice stated that since the account ending in XXXX was not credited via a discharge or mutual offset and Chase failed to properly honor my counter claim to Chases offer to contract, I therefore owe nothing, there can be no negative reporting to the credit reporting agencies and this matter should have been closed and settled. UCC 3-603 ( b ) states that : If tender of payment of an obligation to pay an instrument is made to a person ( in this case Chase ) entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. A tender of payment was presented was presented to Chase in the form of a negotiable instrument. Since the tender was refused, and the principal account was not credited, there is discharge. This fact can not be refuted in the court of law. https : 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 XXXX According to UCC 3-104, a negotiable instrument is ( 1 ) is payable to bearer or to order at the time it is issued or first comes into possession of a holder ; and ( 2 ) is payable on demand or at a definite time ; https : XXXX Pursuant to Notice of dishonor ( Bills of Exchange Act ) 95 ( 1 ) Subject to this Act, when a bill has been dishonored by non-acceptance or by non-payment, notice of dishonor must be given to the drawer and each endorser, and any drawer or endorser to whom the notice is not given is discharged. The NON-NEGOTIABLE NOTICE OF ACCEPTED CREDIT ISSUED both requested a notice of dishonor from a qualified third party if the expressed instruction could not be fulfilled. Due to the fact the bill was dishonored, a notice of dishonor was to be sent to each drawer XXXX XXXX XXXX XXXX ) XXXX However, XXXX : XXXX never received a notice of dishonor from Chase or the qualified third party ( U.S. Treasury ) therefore the account ending in XXXX was to be discharged rather than inaccurately reported as late or past due. This is another fact that can not be refuted in the court of law. https : 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 XXXX Chase has willfully and negligently placed inaccurate information on my consumer report for account XXXX which is a defamation of my character and a violation of the Fair Credit Reporting Act ( FCRA ), otherwise known as 15 USC 1681. Under 15 USC 1681a - Definitions ; rules of construction, in particular 15 USC 1681a ( 2 ) ( B ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; An exclusion means it should NOT be listed. Furthermore, a credit card is defined under the Truth in Lending Act or 15 USC 1602 under Definitions and rules of construction, as : ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Any card refers to the fact that my own credit card or social security number in this context was used when I did business, therefore my own social security number was used to extend credit to myself in these transactions. Continuing with USC 1681a - Definitions ; rules of construction, specifically 15 USC 1681a ( 2 ) ( A ) ( i ), we see : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Clearly, exclusion means something that is not supposed to be included. Transactions or experiences between the consumer and the person making the report are not supposed to be included in a consumer report, and this reported information was an EXPERIENCE of mine therefore these accounts listed above must be deleted immediately. Under 15 USC 1681a ( 4 ) - Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting ; Congress finds that ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. It is obvious that my right to privacy as a consumer has been violated by publicly reporting this inaccurate information when I NEVER gave Chase permission to report in the first place. As per 15 USC 1666 ( b ) entitled Timing of payments under ( a ) Time to make payments clearly states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Chase is continuing to report late payments for the account ending in 3116 which is yet another violation of 15 USC 1681s-2. In Responsibilities of furnishers of information to consumer reporting agencies, where we see ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Of course, prohibition means something that is not allowed. This law says a person ( in the legal sense a person is a corporation like Chase ) shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. According to 15 USC 1681b ( 2 ) - permissible purposes of consumer reports : ( A ) IN GENERAL SUBJECT TO SUBSECTION ( C ), ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I repeat and reiterate that I NEVER gave Chase or any other agency written permission to furnish information about account XXXX on my consumer credit report. In conclusion, The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. These blatant violations committed by Chase impair the efficiency of the banking system. Chase has violated my privacy with my consumer report, as I am the only one who can control what is listed and what is not. Since these accounts were reported without my written consent, that is considered identity theft. These violations are excessive and lead way to civil liability against Chase under 15 U.S. Code 1681n which is civil liability for willful noncompliance and 15 USC 1681o which allows for civil liability for negligent noncompliance. Since Chase has refused to provide validation of the account XXXX i.e. an agreement with the wet ink signature of both parties, nor has Chase provided a valid document where I gave written permission to check my credit and to report on my consumer report then Chase must immediately remove account XXXX from the credit reporting agencies, or pay me at least {$1000.00} per violation as the law provides. Chase is responsible for my suffering of defamation of character, stress, loss of opportunities etc. due to Chases violation of the FCRA.
Company Response:
State: NJ
Zip: 073XX
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: An application for a Chase credit card was submitted without my knowledge. When speaking to Chase they could tell me that the application was filed on XX/XX/2023. It was declined. I would like the hard inquiry removed from my report.
Company Response:
State: OH
Zip: 43113
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: My home is in foreclosure, no date of sale yet. On XX/XX/23 I submitted a payment of {$8500.00}, which is what I thought the amount of missed payments was at that time. The check was not cashed. On XX/XX/23 I contacted Chase to ask why the check was not cashed. I was told the check was not in the correct amount. I was told Chase would not accept a " partial payment '' and I was also told that there were now fees and costs of {$19000.00} in addition to some other fees that would all have to be paid in additon to the missed mortgage payments in order to bring mortgage out of foreclosure. I asked for verification of these these fees, and none were given. I also asked if paying the sum of the missed payments would be satisfactory to bring the loan out of foreclosure, I was told no. I told them I did not beleive that they could require me to pay almost $ XXXX in attorney fees and costs and not accept my payment of just the total missed payments. They said that I could order a reinstatement amount, but I would have to provide them with the date the payment would be made and that the reinstatment amount they provide would include all the fees and costs and would not provide an explanation or verification of them. On XX/XX/23, separate of my conversation with Chase, I received a standard email from Chase saying that the amount due on the loan is {$9000.00}, due on XX/XX/23. On XX/XX/23 I sent an email to XXXX XXXX XXXX XXXX, the company trying to collect the debt on behalf of Chase. My intitial email requested a breaddown of fees and costs and asked what the specific amount that had to be paid to bring the loan out of foreclosure was. They responded same day saying " hello team, see below '', which my email was below. I heard nothing back after that. I sent a follow up email on XX/XX/23, and on XX/XX/23, I got a response that my email was forwarded to the reinstatement team for processing, and that takes XXXX days. I want to know specficially the following : XXXX. What is the amount of money I must pay to bring loan out of foreclosure? XXXX. If that amount is more than just the missed payments themselves, what fees and costs can they legally charge. XXXX. Are the fees I am being charged legal, excessive, or valid.
Company Response:
State: CA
Zip: 92868
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I received a letter in the mail from Chase stating that a XXXX XXXX XXXX credit card I applied for was denied. I did not apply for this credit card. Ref number is XXXX. I called Chase after calling XXXX XXXX to let them know it was a fraud. I was instructed to file a complaint with you as well. I was on hold for XXXX minutes for Chase and no one ever got on the phone to handle this issue.
Company Response:
State: IL
Zip: 62234
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/, I made an online purchase from XXXX XXXX XXXX XXXX It was a transmission that totaled $ XXXX discovered that there were two {$1300.00} taken out of my account totaling $ XXXX notified my local Chase Bank that there XXXX XXXX {$1300.00} taken out of my account that I did not authorize. On XX/XX/2023, Chase refunded me the {$1300.00} that was taken from my account which was not authorized. On XX/XX/2023XXXX XXXX XXXX XXXX XXXX XXXX notified me that they could not find the transmission that I ordered from them and gave me back the {$1300.00} refund. On XX/XX/2023, Chase Bank saw that XXXX XXXX XXXX XXXX gave me the refund because they didn't have the part deducted {$1300.00} from my account forgetting that Chase was refunding me for the unauthorized {$1300.00} that was taken out of my account.I called the bank about the matter of Chase was paying for the unauthorized {$1300.00} taken from my account and was told there was nothing they could do about the matter
Company Response:
State: IL
Zip: 60438
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A