Date Received: 2023-11-10
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I received a letter from Chase Card Services saying that I was denied for an credit card account, which I never applied for. I have contacted my credit reporting agency and waiting to hear from Chase Bank on the fraud/ identity theft.
Company Response:
State: PA
Zip: 173XX
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I received an offer to sign up for Chase 's XXXX XXXX XXXX and receive XXXX XXXX when I get approved and spend {$3000.00} within 3 months. I signed up, saw it only was for XXXX, and called Chase if they will honor the XXXX Miles sign-up bonus, otherwise I will cancel the card as I can just sign-up again. The agent said they will seek approval for the XXXX sign-up bonus upon completing {$3000.00} in spend - I waited XXXX minutes, then the agent said yes he got approval and that I just needed to call back and refer this call 's notes that he left when I received the XXXX miles and they will add the XXXX points. I met the signup bonus requirements, received the XXXX miles, and called back for the XXXX. The agent then said they saw the note and that I met the requirements, and said they will escalate it to get processed. I waited patiently for more than a month knowing it XXXX take several statement cycles to appear. It never showed. I called back and the supervisor said it was denied but that she ( XXXX XXXX saw that I met all the requirements and it seemed whoever it was escalated to misunderstood. So she resubmitted escalation with clarification. I waited again and followed-up, and was told that they denied it again. The supervisor said they will not honor it, that the agent told me wrong information, and that they won't do anything more and there's nothing that they will do about it, that they aren't responsible for misinformation given, and hanged up on me. I fulfilled my end was patient, they said they would do their end and that it was already approved, and now are saying they won't honor it and that it doesn't matter what I was told previously.
Company Response:
State: CA
Zip: 90065
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: JP Morgan Chase Bank refuses to refund the unauthorized amount of {$210.00}. This Complaint relates to previously filed Complaint XXXX. Chase response and the merchant 's responses are attached. Merchant ( XXXX ) confirmed that refund processing time depends on the financial institution ( Chase ). I reported fraud earlier to Chase and changed my debit card, later I closed both checking and savings accounts with Chase. Chase reverted the charges earlier, but for some unknown reason decided to deduct this amount again despite the evidence, written confirmation from the merchant to me confirming unauthorized activity, and refund of all charges. Chase however in response to the previous complaint requested my XXXX and XXXX billing statements from the merchant which is a violation of my privacy rights in that particular case. I request Chase to submit written evidence of the merchant 's response to prove their diligence and ability to conduct an investigation. The person who contacted me - XXXX with the phone number XXXX x XXXX - never answered the phone after the bank provided a written response to the complaint ( attached ). I demand a refund from the bank, as the refund was issued by the merchant, but the bank processed the transaction at its own discretion after it was reversed once. The confirmation email from the merchant clearly states that it depends on the financial institution!!!
Company Response:
State: GA
Zip: 30035
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: A auto mechanic charged me over {$5200.00} claiming they did work. They did nothing to the car and I had two other mechanics verify this. I provided this evidence to Chase Bank and they only temporarily overtured the charge only to reverse their decision later on siding with the mechanic who falsely charged me for {$5200.00}. I provided photographic evidence, written statement, and receipts even showing me they charged me for the wrong parts. Chase did not even contact me after the fact of sending them this information. They did not even inform me by phone that this was denied which caused me some temporary financial issues. ' I also have high resolution photos to prove my case showing the dates on the installed parts. Chase never discussed the suspiciousness of this ever with me. Also the receipts I provided says they installed XXXXXXXX XXXXs, which are yellow and clearly not on the car, the mechanic later said oh no we installed " refurbished '' originals. Chase also didn't seemingly care about this lie and false representation. I have a PDF with photos and photos that exceed the XXXX limit that may help with my case.
Company Response:
State: OH
Zip: 43026
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I noticed that there were large sums of money taken out of my checking account. I went to report it as fraud because my card got stolen about a week prior. Chase said that since it was through XXXX chip there was no way to verify that I didnt make the purchases and there wasnt enough evidence to prove that I had lost the card.
Company Response:
State: CA
Zip: 92026
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I used XXXX XXXX to transfer XXXX dollars to my own personal checking account. Somehow it was transferred to an old closed account that was removed from my bank accounts. I had no knowledge of this account even existing. For a week I have been calling Chase Bank and XXXX XXXX to figure out where my XXXX dollars went. Chase confirmed it was sent back to XXXX XXXX because the account ending in XXXX was CLOSED. I have documentation of them confirming it was sent back. XXXX said it was never sent back. I called today XX/XX/23 at XXXX PM and was finally able to learn it was in fact deposited into the CLOSED account and they will not return the money to me.
Company Response:
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have a roofing company and deposited a check on XX/XX/XXXX The bank put a hold on it. They told me to cal back today and they would eliminate the hold. So I did. They asked me to give them the homeowners phone number to verify the check which I gave them. THEIR VERIFICATION SYSTEM couldnt find that number so I gave them the homeowners company and home number. They still couldnt find him. I need to pay my contractors and chase is no help at all.
Company Response:
State: TX
Zip: 77406
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: Was notified late of escrow payments increasing for calendar year XXXX but their math does not make any sense, and I have filed a separate complaint. Called them today to request escrow reanalysis. Rep on the phone transferred me to a " tax specialist '' who asked me to tell them what the property tax should be in XXXX on my home so they can just punch in whatever number I tell them and hold me responsible. I am not a tax expert- why was I asked to do this? I asked them to explain the analysis to me and they could not. I went to the XXXX XXXX tax assessor website and in XXXX the max rate is 1 % and my assessed property value has dropped this year - my tax reservation on escrow can not physically increase more. I told them what I as a non " tax specialist '' thought was the max amount, 1 % of the assessed value as per my state law. They should be able to manage this, and if they are a tax expert but are recalculating my escrow ( which takes so long they did not in fact furnish me with the results- why are they unable to get the right amount? My loan was sold to them, I don't want to do business with them to begin with - but why can they not get this right, and why am I being held responsible for them arbitrarily raising my mortgage payments?
Company Response:
State: WA
Zip: 98058
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023, I logged onto my Amazon XXXX account to make family purchases for items we needed. At first, I got the notice to update my credit card and I didn't think anything of it and paid with the one on file, which is my Chase Credit Card for Amazon XXXX. A few minutes later, I received an email that my card was declined. So, I log into my account and review what's going on. I see the account is closed. Perplexed, I called in to inquire why. I've always maintained a good standing with my credit card account. I pay it monthly and rarely let the balance get too high. I loved this credit card as I enjoyed a healthy 5 % off all my purchases, the primary reason why I got the card. I didn't even know they canceled my card until I called in. They didn't even take proactive measures to communicate that they closed my credit card account. After connecting through to a specialized customer service representative, I'm told " The Bank decided to close your account yesterday. For your privacy, I am not notified why. '' I inquired why, how, and where the notification was. I'm then told, " They closed it yesterday and they sent you a letter in the mail yesterday. It should arrive in 7-10 business days. '' How can this be so? I was in good standing and always paid my bills, and yet they closed my account?
Company Response:
State: MN
Zip: 55126
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
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: Charge was reported. I submitted minimal information at first asked if more was needed was told no charge would be reversed and investigaton would be done. Later I called to follow up was told to wait, followed up again and was told still pending. After several calls did not get anywhere with claim. I explained in detail over phone what happened but nothing was put into writing on on file for claim. Later received decision that charge was reversed and given to vendor. {$400.00} was added to my card with interest XXXX XXXX XXXX XXXX I refuse to pay for a charge that I disagree with customer support has given little to no resolution just making me jump through hoops and run around just to what I feel is a slap in the face.
Company Response:
State: TX
Zip: 798XX
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A