Date Received: 2024-01-12
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I recently opened an Amazon XXXX co-branded credit card because of the outstanding benefits consumers enjoy when they use it to shop with Amazon services. Unfortunately, Chase Bank has decided to abruptly and unceremoniously end the relationship and wont even divulge any reasoning or logic behind this business decision. I have always paid the card in full and was never delinquent, so clearly the decision was fiscal, it was personal. I understand banks have the right to end relationships with customers at any time for any real reason and vice versa. But it seems to me unjust that Chase approved this card to only then revoke it shortly thereafter - this will now negatively impact my otherwise immaculate credit score. I would have rathered you never approved me at all. At a minimum, the bank should give me more information. It also seems inappropriate, unfair, and maybe discriminatory to block consumers from enjoying these promotional benefits for arbitrary reasons - there is a material loss sustained here as the injured party who can no longer enjoy the 5-6 % cash back bonus that I otherwise would be able to as an avid Amazon shopper , as other consumers freely do.
Company Response:
State: NY
Zip: 10036
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
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 have filed a claim with Chase about an unauthorized transaction, but my fraud investigation has been closed and unjustly denied. I reached out to the Executive Office regarding this but have received no communication since. I attended a concert on the night of XX/XX/2023 ; the venue was dark and crowded. I placed my jacket and bag containing my credit card, drivers license, and cell phone onto a bench behind me during the 2-3 hour concert. At some point during the night, an unauthorized person got ahold of my belongings and made a purchase of an outrageous amount of {$2600.00}. At the end of the night, I was able to locate my belongings nearby when the lights turned back on so I wasnt aware that anything fraudulent had occurred. I only noticed the charge as I was checking my Chase app the following days. I filed a fraudulent report for unauthorized use as soon as possible, but have received a decision that makes me responsible for this transaction claiming that I benefited from this. I have not filed a police report just yet since I was able to retrieve my belongings at the end of the night and I already received a new credit card. I believed that the fraud report would protect me from the unauthorized transaction, but I was wrong in believing this.
Company Response:
State: IL
Zip: 60610
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: To Whom It May Concern, Chase Bank has informed me that they are closing my checking account and all credit cards on XX/XX/XXXX due to " unexpected activity on this account ''. The checking account has been open since XXXX and credit cards over 5 years, and has always been in good standing. There has never been a negative balance and has been used for my employment direct deposit and paying off bills. There has been higher than average deposits and payments due to increase income. There has been no warning prior to this that any type of issue or risk was of concern. If there was such a high risk, they would have been shut down immediately. I am shocked they are closing all of my Chase checking and credit card accounts on XX/XX/XXXX after being a customer in good standing since XXXX. I ask that the accounts not be closed on XX/XX/XXXX so I have time to re-evaluate my relationship with Chase and continue to do business with them if I deem so. Many thanks for your help with this matter, XXXX XXXX
Company Response:
State: NY
Zip: 14580
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I need you to attend the following show items in this letter which contains data taken directly from my credit report which you have provided. JPMCB CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete this unconfirmed inquiry lacking certifiable evidence unless physically certified proof is demonstrated per U.S. CODE U.S.C. {$1600.00} ET SEQ. Section 604 of Fair Credit Reporting Act. Once you have furfilled my request mail me an updated credit report reflecting these changes. I do not recognize any of these inquiries, please remove.
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Today XX/XX/2024 I have been contacted by people identifiying as Chase Bank, phone XXXX XXXXXXXX they called at XXXX XXXX XXXX and XXXX XXXX XXXX. They hang up when we answer XXXX XXXX XXXX XXXX, which we own. I call them back and they ask for a XXXX XXXX... we tell them that we have no one here by that name, and they have reached a travel agency, along with if they can prove a dept for XXXX or XXXX XXXX, or the company then we will discuss it with them, but since we do not, nor ever had an account with Chase Bank, not to call us unless they prove a debt, or wish to purchase travel. Both times they said that they would not call us back, and then call again. I have no idea who the person is they are looking for, but need to stop harrassing us and tying up our phone line.
Company Response:
State: NC
Zip: 28787
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: I sent three wire transfers after receiving emails from what appeared to be my leasing company. They were fraudulent and had hacked into my leasing companies email system. After requesting that the monies be returned to my account I was told the transfers had been made to the receiving bank and they refused to return the money
Company Response:
State: OK
Zip: 73012
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 I needed to get my XXXX phone lines canceled. I looked up on XXXX, " XXXX customer service phone number '' and a sponsored message was at the top of the page and the numbers and messaged was bolded and in its own separate box. The number was XXXX XXXX and that was the number I called. The individuals I called posed as XXXX workers, I never thought that they were anyone else only because they had my XXXX account number after receiving just my name and phone number. I told them about canceling my line and they " pretended '' to cancel my line. This fake XXXX worker told me that I had a left over balance on my account and that it needed to be paid today to close my mobile line so he prompted to asked for my card number. I told this worker that he can just use the card on file and he said that he only had the last XXXX digits and that he needed to know the full card number. It felt a little off but I didn't think anything of it because of the information they already had and I thought this was probably normal. I gave him my debit card number, the name on the debit card, the pin, and the security code on the back of my card. Once I gave it to him he said that he is finishing up canceling my mobile line but I need to approve of the chase message that gets to my phone. He told me that this was a " default '' message and that this was to proceed with the cancelation. I even got a XXXX code that I got sent to my phone that he asked for as well and just told me that this was a " default '' code to process the cancelation of my phone. He eventually hung up on me and I saw XXXX charges in my checking account. XXXX charge was from XXXX for {$25.00} and another one was from XXXX XXXX XXXX for {$120.00} XXXX I immediately called chase on the same day and told them my situation and I was told that they would credit back the amount to my checking account until the claims get approved. I also got a new debit card as well. Fast forward to XX/XX/2023, I checked my checking account statement and I saw that there was a reversal for {$120.00}. I called Chase immediately and asked what had happened and why {$120.00} was taken from the account. I was forwarded to the claims department and spoke to a male there. He didn't tell me his name, but I explained the situation on being scammed what about the reversal of {$120.00}. I was told that I was going to be put on hold for a few minutes so he can check with Chase 's investigation department to see what happened. Once I was off of hold he told me that Chase 's investigation department determined that this charge was not fraudulent at all and reversed the credit they gave me in the past for this incident. I asked him how was this not fraudulent when these people posed as XXXX workers when they were not and they told me that this charge was for the cancelation of my mobile service and it ended up not being for the cancelation. I also included that I didn't tell them to use my card for this purchase. I told this Chase worker that I was under the impression that these people were XXXX workers, they were doing this to process the cancelation of my mobile line. This Chase worker proceeded to tell me that because I gave them my debit card information it gave them to authorization to use my card for what ever reason and that if I wanted to get my money back I would need to seek an attorney or call the scammers back and ask for my money. He told me that this was their " protocol ''. Since he wasn't really any help with anything I even asked him if he can just change my account number at this point since I'm not sure if the scammers would still be taking money from my account and he told me to go to a local Chase branch and they would do it there. I didn't understand this because the XXXX charge never got reversed, so I assume the claim was accepted, but how come this larger charge was not. This was extremely off putting because it feels like I was scammed, my money was taken and Chase does not want to do anything about because I was the one that got tricked. This is also unsettling and scary because what If me or anyone else was scammed for much more money or a higher amount of money, would Chase just sit back and have this " it's your fault you got scammed, you gave your debit card information away '' mentality. This shows that Chase won't protect their customers if XXXX of them was to get scammed badly. This not only ruined my trust with Chase Bank, but this also makes me frightened, because I know if I ever get scammed again, Chase won't be able to help.
Company Response:
State: LA
Zip: 70791
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: On XXXX, I was called by my bank, XXXX. I was advised to wire a large amount from my savings into a 'safety account ' at Chase bank XXXX I was told that I had to wire my funds because my savings account was being hacked due to fraud throughout XXXX. A couple hours after sending the wire I called XXXX 's fraud department and received the shocking news that I had been spoofed by impersonators into a push payment to a fraudulent/scammer 's account. The fraud department then told me that they would immediately issue a swift recall to Chase bank and open a fraud case to have Chase put a hold on the account with my funds. Because of the holiday, XXXX bank contacted Chase on XXXX. We haven't heard anything from Chase and I am worried about the criminals having access to my funds. That day, prior to sending the wire I received an email from XXXX XXXX showing a debit from XXXX XXXX I called the XXXX billing phone number on the email and was told by a 'representative ', XXXX XXXX that my account had been hacked. A XXXX XXXX then called me from the XXXX XXXX department XXXX saying that XXXX contacted his department and that my saving account was hacked-accruing hidden charges amounting to XXXX and that I had to immediately store the potentially debited funds into another bank account at Chase bank for XXXX ' while XXXX investigated the fraud. I heard the XXXX prompting music when I was placed on hold so he could connect to 'FDIC XXXX. All very convincing, especially because I was under duress thinking that my savings account was in threat of being depleted. XXXX XXXX then told me that my phone was probably hacked too, and I was advised not to make any calls. He said for me to be able to gain access to the new 'safety account ' that I had to send a photo front/back of my state id to verify my identity.
Company Response:
State: PA
Zip: 19130
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Recieved Fraudulent mailings as well as phone calls beginning XX/XX/year> & again XXXX XXXX concerning my Social Security Disability . All of a sudden I began recieving fraudulent billing statements claiming that I owe back pay to the XXXX. These billing statements are demanding payment of {$25000.00} payable by check, money order, debit/credit card or especially electronically directly out of my bank account. The billing statements also demand Social Security Number & Driver License Number! The payment is to be made in one lump sum & sent to a Post Office Box Number located in XXXX, Oregon as well as XXXX XXXX, Missouri. I have not recieved my SSA Direct Deposits since XXXX of XXXX. My local bank manager had asked me if I had gone to another bank location for any transactions & the answer is no! Instead of recieving answers, I recieved a huge run around & an email with link to XXXX XXXX XXXX which I do not have a wealth management account!
Company Response:
State: TX
Zip: 75069
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A