Date Received: 2023-11-15
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Heres what happened : I had been pelted with overdrafts due to decreased business during the COVID-19 pandemic. I am XXXX and depend entirely on XXXX for my income. While Chase refunded some of the fees, 112 remained unrefunded. 1. I mailed a letter to XXXX XXXX. She's the CEO of XXXX XXXX. They intercepted this letter and opened it. XXXX XXXX never saw it. I was informed of this by XXXX, a secretary who called me from the corporate office. I was livid, the letter was for XXXX XXXX and XXXX XXXX only. 2. In the letter, I asked for any possible refund of fees. Due to the letter, the person who reached out to me ( XXXX ) decided to suspend the account due to my letter. She informed me that XXXX XXXX sometimes looks at these accounts and makes these decisions. She then refused to give me his contact information or to have him contact me. 3. All managers and XXXX have refused to admit that because of the assessment of fees, led them to be able to charge more fees. If they had refunded all of them, I would have been fine, or at least in a better spot. 4. They sent me an email indicating that around XX/XX/2023, they would be closing the account. But gave me a falsified reason ( to prevent fraud ) for suspending the account. They actually closed it a few days later. 5. They have now started collection action to recover the negative balance, which is 100 % THEIR FEES.
Company Response:
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
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 noticed fraudulent activity on my card during XXXX during the lockdown period of the pandemic and called and reported in XXXX XXXX XXXX I worked with a representative and went through each statement in XXXX and we noticed a recurring charge I never purchased along with some in-store purchases I have not made. The total was for {$930.00} and the representative shared that the amount has been credits to my account and that I do not have to concern myself and that he also stopped payment from the XXXX vendors that I never approved purchases with ( XXXX XXXX, in person purchases at XXXX XXXX XXXX ). I have a history of my identity being stolen and fraudulent charges and the rep reassured that this has been resolved and I will be protected. The XXXX XXXX XXXX were purchases in XXXX and I live in Missouri at the time and was isolating due to the pandemic. In XX/XX/XXXX, all charges were placed back onto the my account and I was never notified by mail, email, or phone. I happened to be making a home purchase and I was informed if I contested again that our mortgage approval would be risked. So I had to wait until the purchase was completed all while undergoing a serious diagnosis during the year. When I called to follow up, there were representatives that said it was fraud and others said it was recovery team but there has been no consistency across the Chase representatives to resolve this and protect me from an identity thread history that continues to haunt me. I have been on time and make automatic payments and feel that the company seeks out customers who have auto payments from banks to sneak back fraudulent activity claims back on to unsuspecting customers. I did make purchases for childrens ' magazines but never purchases these other magazines. This is fraud and my credit card company did not protect me nor prevent the recurring charges as they committed to. I originally contested the charges at {$930.00} but the total is {$1200.00}.
Company Response:
State: IL
Zip: 60510
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have disputed my Chase card information in my credit report. This account was settled, with the company sending a settlement to my debt consolidation company and me accepting the settlement offer. The debt was paid via settlement for less than the amount owed and paid off in XX/XX/2022. The creditor is still reporting my balance as overdue and for the full amount, and has refused to reflect the account as being settled ( for half the original amount ) and that settlement being paid off ). This has stopped me from being able to secure an auto loan for the last several months, because the loan companies are still seeing this account as being behind, when in fact it has been settled and paid. Any help would be appreciated
Company Response:
State: KY
Zip: 42701
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: My family and I had our names, social security numbers, birthday, and bank account numbers and routing numbers leaked on the dark web. People have been taking money out of out bank accounts and opening credit cards and using them. We went to XXXX XXXX XXXXXXXX last week and changed out bank account numbers but people have been taken out thousands of dollars. Thankfully, XXXX XXXX XXXX refunded us. The credit card companies are still charging us. These are the credit card companies. 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 XXXX XXXX XXXX Chase 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: MD
Zip: 21209
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am writing to seek clarification on our business 's recent experience with check holds. XXXX XXXX painters has been a valued client of Chase for over XXXX years, during which time we have maintained a consistent and positive banking relationship. Recently, we noticed a deviation from our usual banking transactions, specifically in the case of check processing. Historically, checks received from XXXX XXXX have been promptly cleared without any holds in the amount of {$23000.00} on XX/XX/23. While we understand and appreciate the importance of security measures to prevent fraud and ensure the integrity of financial transactions, we would like to gain a better understanding of the factors contributing to this recent change. As a women-owned business, prompt access to funds is crucial for maintaining our operations and meeting financial commitments. Our experience over the past XXXX years has demonstrated the reliability and trustworthiness of our transactions, particularly with XXXX XXXX. Consequently, we seek clarity on the specific reasons for the recent holds on checks from this longstanding and trusted business partner. We are committed to ensuring the highest standards of financial security and understand the necessity of prudent banking practices. If there are any additional steps we can take or information we can provide to expedite the processing of checks without compromising the security of our accounts, we would be more than willing to cooperate. Your prompt attention to this matter is highly appreciated, and we look forward to your guidance on how we can collaboratively address this situation. Thank you for your understanding and assistance. Sincerely, XXXX XXXX XXXX
Company Response:
State: CO
Zip: 800XX
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I am writing to address a severe issue of identity theft that has recently come to my attention. An account ending in XXXX, linked to Amazon XXXX Credit Card, was opened using my personal information without my consent. I unequivocally state that I did not authorize the opening of this account. This letter serves as a formal demand for immediate action. Details of the Fraudulent Account : Account Opened : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX Outstanding Amount : {$1500.00} Assigned to Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, Georgia XXXX . Phone : ( XXXX ) XXXX Purchase Date on Account : XX/XX/XXXX My SSN ( Last Four Digits ) : XXXX Given the information above, it is evident that this account is a result of fraudulent activity. Therefore, I insist that Chase Bank immediately close this account, absolve me of all associated charges, and expunge all information regarding this account from my credit files, credit history with XXXX and credit reporting agencies.. Enclosed is my Identity Theft Report [ FTC Report Number : XXXX ], substantiating the illicit use of my identity. Additionally, this letter, along with the Identity Theft Report, serves as a formal notification under the Fair Credit Reporting Act, mandating Chase Bank and the associated collection agency to cease reporting and furnishing information resulting from this identity theft to any credit reporting agency. Also enclosed is the CFPBs Notice to Furnishers of Information, outlining your legal responsibilities in this situation. I expect a comprehensive investigation into this matter and prompt corrective actions. Please inform me in writing about the steps you have taken to resolve this issue. In addition to the actions requested above, I require a written confirmation from Chase Bank stating that : The fraudulent account is not mine. I am not liable for any debts or charges associated with this account. The account has been removed from my credit report. In addition to this complaint, I have mailed out a letter with enclosures via certified mail as well.
Company Response:
State: CA
Zip: 91016
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX, I received a deposit of {$1200.00} from my job. I was paid bills, ate lunch, and by around XXXX that day my card started declining with funds still on the account. I called in and they told me my account was closed but refused to tell me why. I went to the branch the following day, and they still refused after calling back office. It is about to be the holidays and I can not wait this long for my money.
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
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 used my Chase credit card on XXXX XX/XX/XXXX to make a deposit for a trip planned to XXXX in XX/XX/XXXX the trip was canceled. XXXX told me since it was over 180 days I had to dispute charges through Chase bank and the bank will contact XXXX I have been going back and forth with Chase for several months and they keep putting the charge back on my account. The travel agent XXXX from XXXX XXXX XXXX told me to have Chase to dispute the charge and my credit card will be returned and sent Chase every thing I have pretending to this and still yet nothing being done
Company Response:
State: GA
Zip: 30087
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XXXX months ago chase bank closed my account without any notice and never returned the money in the card to me. chase bank initially promised to return the money to me after checking my account in a month but kept waiting for XXXX months without sending me the money. I called the bank many times during the waiting time but they always told me to wait and said they didn't know how long it would take and that there was a possibility that they wouldn't give me my money back. I am a student and I don't have that much money and I am living a very difficult life right now. I don't have any money on me due to chase bank suddenly closing my account. I have about XXXX XXXX in my account which is my living expenses and I hope chase bank will hurry up and give me my money back.
Company Response:
State: NY
Zip: 11238
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
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: On XX/XX/XXXX I had a conversation with Chase Credit Card Services supervisor named XXXX. Their number is XXXX. I disputed a charge I found on my credit card statement that I did not make nor recognize in the amount of {$230.00} at XXXX. I advised XXXX that I still had possession of my card but did not ever recall making that transaction of {$230.00} at XXXX. Ultimately he advised that the charge would stand as valid and I would be responsible for the charge. This is completely wrong. I should not be responsible for charges I did not authorize. He claims that the card has a chip and it was used in store and it is next to impossible for the card to have been used fraudulently. I was offended as it feels as if I am being accused of being a liar and my credit card company is unwilling to assist me in resolving this issue. I am adamant that I did not make this charge and would like for it to be removed as this was fraud. As an XXXX XXXX too often we are not given the benefit of doubt and not deemed not trustworthy even if the dollar amount is so insignificant. I am an upstanding individual with excellent financial record with Chase Credit Card and its quite disappointing to have been treated so unfairly. I am seeking CFPB support to resolve this dispute as I have been honest and did my part to report unauthorized activity on my card in a timely manner. Chase Credit Card purports to offer XXXX liability on fraudulent charges but it seems like it only applies to card holders of certain demographics. This is XXXX and this type of discrimination and arbitrary application of good will is wrong.
Company Response:
State: FL
Zip: 33179
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A