Date Received: 2023-11-09
Issue: Trouble accessing funds in your mobile or digital wallet
Subissue:
Consumer Complaint: Hi there, I have a small business checking and savings account with Chase Banking. We used a service called XXXX XXXXWePay to receive clients ' payments via credit card. The payment gets sent to WePay which is usually automatically transferred into our Chase business checking account. The screenshot below with the title " Sales Activity '' is the app from WePay. On there, you can see that my customers have made 3 payments : XX/XX/XXXX : {$400.00}, XX/XX/XXXX : {$400.00}, and XX/XX/XXXX : {$650.00}. These payments were NOT transferred into my Chase business checking account as they normally are supposed to. Furthermore, WePay emailed me saying that my WePay account has been closed for " high risk of chargebacks or dispute ''. Now when trying to log in to the WePay account, it is no longer accessible and they have not released the total funds of {$1400.00}. When I called WePay for clarification, they did not give any information about why the account was closed without notification and did not share what they meant by " high risk of chargebacks or dispute ''. They said that we needed to appeal via email ( XXXX ) for the funds to be released. I have emailed them and have not heard back and am concerned about my money being held captive by them. I have already met with my bank representative at Chase Banking and they can not get clarity on how funds can be released accordingly as they are not WePay. My customers have already been charged and WePay is holding the money in reserve. I would really appreciate any assistance in helping my funds get released. This has been really frustrating and I need help. Thank you so much.
Company Response:
State: CA
Zip: 94080
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below JPMCB CARD XXXX, JPMCB CARD XXXX, JPMCB CARD XXXX, and JPMCB CARD XXXX
Company Response:
State: CA
Zip: 904XX
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Contacted bank XX/XX/XXXX to open a new Chase bank account and was told Chase no longer wants to do business with me and I can not open up an account with them. I asked as to why I can't open up a bank account and they couldn't disclose the information. They closed out my bank account in XXXX. As someone who is XXXX our belief of doing anything that is fraud is a very bad sin. I've never done any fraud what soever in my life and during the time I had a Chase bank account so when my bank account was randomly closed I was very confused as to if this was done because of my religious background.
Company Response:
State: NJ
Zip: 07306
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have contacted XXXX multiple times and filed two separate disputes to correct the error. I also requested and received a letter from the bank showing the account was paid in full with a XXXX balance. This letter was upload to XXXX via the XXXX portal. The second dispute was completed and the information remains unchanged, even with proof of their error.
Company Response:
State: NV
Zip: 89141
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I own Chase Sapphire Reserve card. One of the benefits for using Chase 's Reserve card is that travel insurance is included. I had a trip in XX/XX/XXXX and my return flight was canceled due to inclement weather. When I returned from my trip, I filed a claim with XXXX XXXXXXXX XXXX XXXX, for the days I had to extend my trip due to cancelation. XXXX is the XXXX party travel insurance provider that Chase uses. Fast forward to XX/XX/XXXX, and I have spent hours speaking with Chase Travel and XXXX regarding my claim and trying to resolve issues so I can be reimbursed. XXXX continues to request the same documentation that I have provided, will not confirm receiving documents when I resend them ( after they tell me they never received them ). Anyone I speak to on the phone I have to explain from the beginning what's going on with my claim, and I constantly get the run around. They tell me an examiner will review my claim and get back to me. I follow up after a couple weeks to start the endless loop again of them requesting the same documents, and giving me the same unhelpful information with no path forward. I have contacted Chase Travel several times, even speaking with a Supervisor, and everyone there agrees that I have provided all the appropriate documentation. In addition to all the hours I have spent on the phone, I have documented all my interactions with XXXX and send them a recap via email ; I now have exchanged over XXXX emails with them over the past few months. According to XXXX, the main issue is that my original flight itinerary doesn't include the amount for the flight. When they contact the airline, XXXX XXXX, the credit card number and amount are different than the Chase credit card statement I have provided to them. And ultimately, they say they can't verify I used Reserve card to book my flight. I have talked to Chase, and worked with them to craft an email to XXXX about what happened. XXXX said they would set up a conference call with Chase to verify. The conference call never happened, and XXXX keeps contacting the airline and won't contact Chase. Here 's a breakdown of what happened and this was sent to XXXX : - XX/XX/XXXX I booked a flight from XXXX to XXXX and a return flight from XXXX to XXXX. I used Chase reserve card. The cost of the trip was {$530.00}. I ended up changing my return flight, and it was less than what I originally paid. I received an approx. {$300.00} credit from Chase. - XX/XX/XXXX, I called Chase Travel to use my {$300.00} credit and pay the difference for a flight from XXXX to XXXX XXXX and a return flight from XXXX XXXX to XXXX ( this is the trip where my return flight was canceled due to inclement weather ). I owed {$240.00} after my credit was applied. I used Reserve card ending in XXXX to pay the difference. And that credit card statement showing {$240.00} is what I have submitted to XXXX, along with a detailed explanation of what happened. - Chase Travel used a one time payment card ending in XXXX to book my flight with XXXX ( for New York trip ). The XXXX XXXX Supervisor I spoke to in XX/XX/XXXX says the XXXX time payment card is used to ensure customer privacy. - My return flight from XXXX XXXX to XXXX on XX/XX/XXXX was canceled due to weather. I called Chase Travel to rebook. I told XXXX that if they speak to XXXX, they will say the card # ends in XXXX and the total amount is {$770.00} ( cost of both trips above ). I told them Chase used a one time payment card and this is not a card I own. I asked them to call Chase, and gave them the amount paid for each trip and the last XXXX of the one time payment card Chase Travel used. I also provided XXXX locator #, XXXX XXXX # and Payment Header ID that a Chase Supervisor said XXXX should be able to use to verify that I used the Reserve card to book my flight. As of right now, I am stuck in a constant loop with XXXX with no resolution in sight. I can't get anyone there to contact Chase Travel. They said they reached out to them via email but are unable to include me on the thread. Chase Travel said they can't contact XXXX.
Company Response:
State: FL
Zip: 32608
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Credit limit changed
Subissue:
Consumer Complaint: Subject : Complaint Against Chase Bank Regarding Unjust Account Freezing and Unexpected Contract Terminations Dear Sir/Madam, I am writing to express my profound concern and disappointment regarding a series of issues I am facing with Chase Bank , which include the unjust freezing of my business account, unexpected termination of my business line of credit, my Chase business credit card and my Amazon Chase credit card, as well as a subsequent lawsuit filed against me by the institution. I have been a loyal and responsible customer of Chase Bank since XXXX, maintaining my accounts diligently, making payments on time, and remaining within the agreed credit limits. However, in XX/XX/XXXX, Chase Bank froze my business account for three weeks without any clear explanation or prior notice. This action caused a significant setback in my business operations, resulting in the loss of multiple long-term and qualified employees due to the inability to access my funds. Furthermore, the freezing of my account led to the disruption of established payments from major insurance carriers, including XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX, among others. Chase Bank returned these payments back to the insurance companies, which led to my removal from their provider panel. The considerable costs associated with these payments have not been recoverable to this day. In addition to this, in XX/XX/XXXX, I was contacted by a Chase representative who offered a three-month payment postponement for my business line of credit. I accepted this offer in good faith, only to find my accounts terminated and a lawsuit filed against me two months later, demanding immediate repayment of the entire credit line amounting to nearly {$90000.00}. I find these abrupt terminations, the unjust freezing of my account, and the immediate demand for full repayment to be exceedingly punitive, especially considering the agreement for payment postponement offered and accepted in XX/XX/XXXX. I kindly request your assistance in this matter. I am seeking the immediate reinstatement of all my accounts, the termination of the lawsuit, and a resolution to the issue of the returned payments from major insurance carriers. I am more than willing to continue with my regular payments, as I have always done, but the demand for immediate full repayment is beyond my capacity. Thank you for your prompt attention to this matter. I look forward to your response and assistance in resolving these pressing issues. Sincerely, XXXX XXXX.
Company Response:
State: IL
Zip: 60193
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: XX/XX/2023 Received an email from : XXXX ( Chase Integrated Payments ) XX/XX/2023, XXXX EST Hi, Our review process is proprietary in nature, so unfortunately there is no information available for me to share. XXXX Chase Integrated Payments, Powered by XXXX They are holding my customer 's payment of over $ XXXX and saying they will be released after 120 days. I have never had a single charge back or issues in my merchant account. And no reason is given.
Company Response:
State: TX
Zip: 75007
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I reported to Chase that I lost this credit card ( XXXX XXXX XXXX XXXX ) in XX/XX/XXXX. There was fraudulent charge in the amount of {$11000.00} after I lost this card. All transactions were happened in XXXX XXXX on XX/XX/XXXX. I obtained an invoice from one of the merchants of ID Hospitals in XXXX XXXX. I am attaching the invoice which clearly indicated that it was XXXX XXXX who used my lost credit card for all transactions in XX/XX/XXXX. Despite a clear evidence of the invoice, Chase still sent me letter indicating I made the transaction. I am here to file a complaint against Chase for not handling fraudulent charge and report to CFPB to damage my credit score. Please remove all fraudulent charges on this lost credit card. Your sincerely, XXXX XXXX XXXX
Company Response:
State: WA
Zip: 98056
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: The above named company also works as under the name of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX On XX/XX/XXXX, I was looking for a personal loan so that I could help my mom and I find a place to live. On XX/XX/2023 I received a call from the above listed phone number saying I had been approved for a personal loan in amount of {$5000.00}. They sent me the loan documents to sign and I did. After signing the loan documents, I was told that I had to purchase insurance to cover the loan in case I defaulted on the loan. They told me that they where sending me a barcode and I had to go to XXXX and pay for the insurance on the loan. I told them no!!! At approximately XXXX XXXX XXXX XXXX on XX/XX/2023 I got a call from my bank ( Chase XXXX ) saying that if I didn't cooperate with XXXXXXXX XXXX they would shut down my bank account!!! I was scared to death and didn't know what to do... So thinking that the bank told me that I had to cooperate, I did. So I went to XXXX and they sent me barcodes, and told me that I had to send them payment for the loan insurance money for the insurance on the loan. They also told me that I had to purchase gift cards and had me send pictures of the gift cards that I purchased... They kept saying that as soon as they received my payment I would be founded for my loan. This continued over the course of three day 's ( XX/XX/2023, XX/XX/2023, and XXXX ) On XX/XX/2023, I better examined my bank account closer, I discovered that they had hacked into my bank account and reversed previous bills that I had paid and other purchases, making it look like they where sending me money, when in fact they weren't!!!!! I ended up sending them {$4800.00} before I put a stop to it ... They called me on XXXX the XXXX at XXXX XXXX saying that I needed to go to XXXX and send them another {$500.00}, I said NO!!!! I told them that they are scammers and I had been scammed for days, and I had enough!!! They then sent me a text on XX/XX/2023 saying " Hello this message is for XXXX XXXX we have deposited. The verification federal money in your bank account. And if you will not send this money back to our company at that point of time. We have to take legal actions in your name. FTC will put the charge back on your account. And after that you will have to pay this money from your pocket to bank. So if you don't want yourself in trouble then we we will request you to answer our call and send this verification money. Call us back on XXXX '' I didn't call them back anymore... I am a XXXX XXXX XXXX woman and my mother is XXXX XXXX XXXX. I was simply looking for a way to help my mom and myself find a home. So at this point my mom and I are homeless, the scammer was nice to me at first until I started to saying no!!! Since XX/XX/2023 my bank account has been shut down, because of fraudulent activity on my account. I had {$160.00} left in my account, but because my account was shut down I can't even access the little bit of money that I had left. I need to know how I can go about getting my money back to me and help shut down scammers like this. I am humiliated, and embarrassed, I have no money or a place to live. This is a serious issue and they need to be shut down before they do this to more people like my mom and I.
Company Response:
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
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/2023, I took a taxi from XXXX XXXX XXXX XXXX to the XXXX XXXX XXXX. This ride normally takes 30-40 minutes and should not cost more than {$100.00}. The driver told me the ride would cost around {$90.00}. After we pulled up to the hotel I inserted my Chase sapphire reserve card in the drivers credit card machine. I was told it would still be {$90.00}. Since I was eager to get out of the car, I forgot to get a receipt or invoice. Once inside the hotel, I checked my statement and saw a charge for {$980.00} USD. I reported it to chase immediately as fraud. On XX/XX/XXXX, Chase told me they contacted the merchant and they said he was able to provide an invoice. I explained to the Chase representative how could a 30 minute taxi ride cost {$980.00}. I then looked at the " invoice '' supplied by the merchant and there is no list of goods or services provided, no date, or even a pickup and dropoff location. It is just a picture of a computer screen with a charge on it. This supposed merchant clearly produced a fake invoice to satisfy Chase. I will be calling the hotel to retrieve security footage to prove I was dropped off in a taxi and was not purchasing anything else.
Company Response:
State: CA
Zip: 940XX
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A