Date Received: 2023-11-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am just getting caught up with bookkeeping for XXXX and did not notice these charges until now. I always pay our accounts in full each month by the due date. When I complained to Chase, the representative said the payment isn't credited until the money is received from my bank but their website states it differently. It is deceptive, at best. They have refused to credit my account. Three times when making a payment on Chase 's site, it states that the payment will be credited THAT day. 1. " If you're paying between XXXX and XXXX ET, we'll credit your account for the date you choose but you might not see it for 1 to 2 days. '' 2. ( After I made a payment today XX/XX/XXXX ) : " We'll withdraw as an ACH debit from your pay from account ending in ( ... XXXX ) and the payment to your credit card will be dated on XX/XX/XXXX. ''. 3. ( Payment confirmation ) " Payment date : XX/XX/XXXX. '' I was charged interest for payments I made on or before the due date. Account ending in XXXX : XX/XX/XXXX {$130.00} ; XX/XX/XXXX {$130.00} ; XX/XX/XXXX {$30.00} ; Account ending in XXXX : XX/XX/XXXX {$100.00} ; XX/XX/XXXX {$110.00} ; XX/XX/XXXX {$27.00} ; XX/XX/XXXX {$100.00} ; XX/XX/XXXX {$34.00}. Please note this is for two accounts. I was only able to input information about one of the accounts on the subsequent page.
Company Response:
State: CO
Zip: 80439
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On the morning of XX/XX/XXXX I logged on to our online banking and saw that the balance of XXXX of the account had been withdrawn from the account. The transaction showed as follows : XX/XX/XXXX WITHDRAWAL XXXX XXXX XXXX XXXX XXXX XXXX I contacted XXXX XXXX, our XXXX, to check whether he had withdrawn or transferred any funds from the account. He had not. We checked with XXXX XXXX, the other XXXX and she confirmed she had not. I tried to call our XXXX XXXX, XXXX XXXX XXXX times at XXXX ( last call ) and the number was unreachable. I emailed all the contacts I had at First Republic included XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX requesting assistance. All emails returned undelivered except for XXXX XXXX. I called the online support number for First Republic at XXXX am and spoke to a consultant who confirmed my identity and tried to contact our XXXX XXXX. We spent XXXX minutes on the call and he was unable to contact anyone. He also noted that the account had been closed by an authorized party so he could not pursue the issue without a banker. He suggested I go into a branch to speak to a banker and that he would get them to contact me. He was able to tell me that our newly assigned banker was XXXX XXXX and that the assigned branch was XXXX XXXX XXXX. At XXXX I emailed XXXX XXXX explaining the issue in the hopes of expediting the resolution. At XXXX I called the XXXX XXXX XXXX branch and spoke to XXXX XXXX who confirmed that XXXX XXXX was assigned to our account and that she would get him to contact us. At XXXX I received an email response from XXXX XXXX confirming that he forwarded my note to the compromised account team. Filed complaint with XXXX on XXXX.
Company Response:
State: NY
Zip: 10010
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
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: XX/XX/XXXX purchased two airlines tickets from XXXX, XXXX to XXXX, PA on XXXX for {$620.00} each. Flight purchased from XXXX XXXX detail : Conf # XXXX XXXX, XX/XX/XXXX XXXX XXXX from XXXX to XXXX, GA departing XXXX, arriving XXXX XXXX XXXX from XXXX to XXXX, PA departing XXXX, arriving XXXX On the day of the trip, we received an email from XXXX stating that the flight from XXXX was delayed by almost two hours. XXXX customer service sent a message stating that we would miss our connection and suggested that we rebook our flight. XXXX said they were unable to help us, as we initially booked and paid XXXX. XXXX said they were unable to help because it was a XXXX flight. Of note, for six hours, I was only able to connect with the airlines over text messaging as they never answered the phone. As a result, we booked a more expensive flight home and had to fly into XXXX, NJ and pay for a car to take us to XXXX. I filed a refund request with XXXX. They said I should file it with XXXX. XXXX said I should file it with XXXX. XXXX has not responded to anything. This has been going on for almost five months. I filed a dispute for both tickets with Chase XXXX XXXX XXXX. They refunded one of the two tickets. The other ticket ( {$620.00} ) was disputed twice and Chase continues to say that they decline the dispute. One time they said it was because we didn't present for the flight. That's not true. XXXX told us to rebook, yet gave us no rebooking options or help. They had no other flights that day and after six hours of begging for help, we booked on another airlines. I have called Chase several times and spoken with the people in their local office about our dispute ( Claim XXXX ) and they refuse to do right by us. We our outstanding Chase customers with excellent credit ratings. We have tried our best to get the Airlines to do right, but they won't since Chase has ruled in their favor. Chase is not serving us, instead they are serving XXXX whom we paid but did not deliver a flight home for us. Please help.
Company Response:
State: PA
Zip: 19335
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: Commencing on or about XXXX XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) which involved me making deposits for a total amount of {$130000.00} XXXX from my Chase Bank account to a fraudulent investment firm.
Company Response:
State: NY
Zip: 10573
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: I made deposit at Chase ATM on XX/XX/23 at XXXX XXXX of XXXX. ATM was located at XXXX XXXX XXXX XXXX MI. Machine took my money then gave receipt that said to call to check to make sure my deposit went through. I did and Chase credited my account. Then came back like 2 months later and reversed credit causing my account to be negative. I wrote XXXX XXXX letter to reopen my claim which was faxed a few times from a branch to chase and they claim the didnt find deposit and closed my account.
Company Response:
State: MI
Zip: 48044
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I am writing to address the events that occurred following the theft of my cell phone on XX/XX/2023. On XX/XX/2023, two unauthorized transactions were made from my Chase XXXX Checking account, one for {$900.00} and the other for {$800.00}. In response, on XX/XX/XXXX, I went to a Chase branch to begin the process of filing a claim. Unfortunately, my initial claim was denied without clear or adequate reasoning. Following this denial, I returned to the Chase branch on XX/XX/XXXX, as instructed, to have my claim reevaluated. Despite assurances to the contrary, no reinvestigation had taken place. On XX/XX/XXXX, I received false information during a follow-up call to inquire about the reassured reinvestigation. The Chase representative in who handled the case, XXXX, initially claimed that the funds were withdrawn from an XXXX XXXX, which I have never owned. When pressed for more information, she denied knowledge of the device used, despite my owning an XXXX XXXX XXXX XXXX ( which was stolen ) and an XXXX XXXX. These instances of misinformation and refusal to provide identifying details limited the investigation and resolution process significantly. Unauthorized transactions conducted via the Chase banking app, particularly via XXXX, using an XXXX XXXX XXXX XXXX, the phone stolen on XX/XX/2023, provided the perpetrator with access to conduct these unauthorized transactions. None of the transactions were verified or authorized using standard methods of communication such as text messages, notifications, or any other formal means. In order to resolve this matter, I diligently provided all requested documentation, including police reports, activity logs, and email records. The lack of transparency, misrepresentation of facts, and failure to conduct a thorough investigation have all diminished my confidence in Chase 's security measures and claims resolution process. Despite my best efforts to resolve this internally, I believe it is necessary to escalate the situation and file a formal complaint. I respectfully request a thorough investigation and appropriate action to address this concerning and unacceptable situation. Your time and effort in this matter are greatly appreciated.
Company Response:
State: IL
Zip: 60660
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My account has not been properly working since XX/XX/23. The funds have not been properly reflected. Payments keep getting declined and no money is going in. My paycheck goes to my account through direct deposit, and it deposits a day before the holiday. I havent had access to my account since Thursday, every time I try to use my debit card it gets declined. I have reached out to my job for them to redistribute my check and they told me if it gets returned it will be added to my next pay period. I have payments to make these next two weeks. Also, when I ask what is the issue and what caused it, I dont get a good enough responce. My husband has chase as well and he did not have this issue. I am angry about all the fees I am about to have to pay for late payments and how it will affect my credit.
Company Response:
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Someone used my personal identity and former address that I used 10 years ago and file credit card applications three times in a month ( from this XXXX to XXXX ). I have called the Chase credit card services and closed those applications and also followed the instructions sending required materials via first-class mail to Chase Card Services to obtain copies of those fraudulent applications on XX/XX/XXXX, and XX/XX/XXXX respectively. I also made two calls to inquire why I have not received the documents that I need to report to the police. I was told that I would receive it in three weeks from the first call. I did not receive anything, then I made the second call when I was told that it would take 30 days. I asked them what number I should call to check where my case is at and was told there is no number to reach out to their investigation team. I must wait. It has been 32 days. I have not received anything from the company.
Company Response:
State: KY
Zip: 40509
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I applied for credit with chase Bank in XX/XX/2023 and was denied..an do to usc 1601 to 1681 I can't be denied an extension of my own credit for any reason resulting in discrimination
Company Response:
State: CA
Zip: 935XX
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Other transaction problem
Subissue:
Consumer Complaint: CONDUCTED ON XX/XX/2022 IN THE AMOUNT OF USD XXXX FROM ACCOUNT XXXX THE ORIGINATOR 'XXXX ' XXXX SENT VIA your good bank for further credit account XXXX of XXXX XXXX XXXX XXXX XXXX opened with XXXX XXXX XXXX . OUR TRANSFER WAS REWIEVED BY THE OFFICE OF FOREIGN ASSETS CONTROL AND IT WAS AUTHORIZED FOR JPMorgan Chase Bank to process the transfer in accordance with the original payment instructions UNDER LICENSE NO. XXXX : JPMorgan Chase Bank N.A . blocked this transfer pursuant to U.S. sanctions administered by the Office of Foreign Assets Control ( OFAC ). OFAC has carefully reviewed the information presented and otherwise available to it in connection with this transfer and has determined that JPMorgan Chase Bank N.A. is authorized to process the transfer in accordance with the original payment instructions.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A