Date Received: 2023-11-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Subject : Formal Complaint Against Chase Bank for Unjust Handling of Unauthorized Transactions To Whom It May Concern, I am writing to file a formal complaint against Chase Bank concerning their alarming mishandling of a case involving unauthorized transactions on my account. The events in question occurred on XX/XX/XXXX, when I fell victim to a horrifying incident involving drugging, robbery, and XXXX assault by an individual currently wanted by the FBI. During this traumatic event, the perpetrator exploited my unconscious state to conduct unauthorized bank transfers using the Chase app on my phone. I promptly reported this crime to the local authorities and provided Chase Bank with a comprehensive set of evidence, including official documents related to the ongoing criminal investigation. Despite the gravity of the situation and the substantial evidence provided, Chase Bank has inexplicably chosen to deny my legitimate claim for a refund. Their denial is grounded in the absurd assertion that the transactions were authorized using XXXX ID. I reiterate that I was unconscious at the time of these transactions, rendering any form of authorization impossible. Chase Bank 's refusal to refund the funds fraudulently taken from my account is not only unjust but also deeply insensitive to the trauma I have experienced. I have attached copies of the evidence submitted to Chase Bank for your reference. I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter, holding Chase Bank accountable for their negligence and insensitivity. I request the following actions be taken : 1. Investigate the case thoroughly, taking into account all the evidence provided, including official documents related to the ongoing criminal investigation. 2. Ensure Chase Bank refunds the funds that were fraudulently taken from my account due to these unauthorized transactions. XXXX. Hold Chase Bank accountable for their failure to provide adequate customer protection and for dismissing a case of such gravity without due consideration. I appreciate your attention to this urgent matter. I expect the Consumer Financial Protection Bureau to act promptly and decisively to rectify this gross injustice. Please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any further information or clarification. I look forward to your prompt response and a resolution that upholds the principles of fairness, justice, and consumer protection. Sincerely,
Company Response:
State: FL
Zip: 33181
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 company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Your company is furnishing an account on my credit report as a charge off which is debt that has been discharged and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the IRS and you will be reported for such. I demand you to remove the following item from my credit report and send the 1099-c so I can audit it to make sure you are in compliance. Also, the credit reporting agencies are reporting inconsistent information such as the Date last active and payment history. How can each bureau report different information if all data should be the same? You violated the FCRA 15 USC 1681eb you are reporting information that's not 100 % accurate. The IRS directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. Please note that this account is also paid in a settlement and there was an agreement for the account to be deleted. Remove the following account from my credit report within 14 days Jpmcb Auto Finance XXXX
Company Response:
State: TX
Zip: 75253
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/XXXX, I got {$99.00} charged by XXXX for XXXXXXXX XXXX and I believed that it was covered under my Chase Sapphire Reserve membership. I contacted Chase around the same time about this charge. I was told by a Chase customer service agent that the charge will be credited back once it is posted and it is on record as well. However, I checked it today and I didn't see any charge to be credited. I talked to them and they told me that this membership is not complimentary after the first year and they will not credit that transaction and did not care about what I was told initially by their agent. I felt that I was provided with incorrect information. Chase Sapphire card is very expensive I pay {$550.00} every year for it and the kind of treatment that I got was not expected.
Company Response:
State: WA
Zip: 98004
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 when making payments
Subissue: Problem during payment process
Consumer Complaint: This claim is against Chase bank for the credit cards that i have with them : business ink, slate and prime. For all XXXX accounts i sent in the coupons detached from the statements which were indorsed as the agent for the principal. These information was taken from their indenture act filed with XXXX on XX/XX/XXXX saying that I am the holder in whose name the securities are registered. All coupons were accompanied by instruction letters as to set off the account and bring it down to XXXX. The payment for Business Ink card was received by Chase on XX/XX/XXXX with USPS # XXXX XXXX XXXX XXXX XXXX. The Prime payment along with the letter was received by Chase on XX/XX/XXXX with USPS # XXXX XXXX XXXX XXXX XXXX XXXX. Slate card payment with letter was received by Chase on XX/XX/XXXX with USPS # XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX i called chase and spoke with XXXXcustomer service and she confirmed that XXXX of the payments were received and that no negative comments were put on the account for these payments by her colleagues from their correspondence team or payment research team that would usually put comments in if the documents or the payments were not in order. She stated that the payments should be posted in a few business days. On Monday, XX/XX/XXXX i received XXXX letters, XXXX for the the Prime account and XXXX for the Business Ink stating that Chase does not accept this kind of payment. The written communication contradicts the phone communication! The same day, XX/XX/XXXX i called Chase and spoke first with XXXX, then XXXX, then XXXX, He stated that was some sort of supervisor. He said that Chase does not accept this payment. At this time i quoted from the indenture act of 2016 saying that coupons are to be detached. I also explained to XXXX that I am the creditor since i put my signature on the application which then is taken to the Federal Reserve as per section 16 of the Federal Reserve act, my application became a security. I also said that the bank can not loan me any money since they don't have it. This is supported by 12 USC section 1431 which states the power and duties of the bank is to borrow money from me the creditor by completing an application, putting my signature on and using my SSN. I also asked to be transferred to another person who can assist with my inquiry. I also mentioned 18 USC section 8 in which is says that coupons are obligations of the United States government. As per 31 USC section 3123, " the faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government. As per 31 USC section 321 " the secretary of the Treasury shall prepare plans for improving and managing receipts of the United States Government and managing the public debt. I asked XXXX to send me the securities back to me. He denied several times that the coupons are not a form of payment that they would accept. In fact he said that he can not waist anymore time solving this predicament. I also mentioned to him that copy of the indenture that i was reading from was taken from the Security Exchange Commission website. I asked to be informed if there was any mistakes on my part and that i would like to get the securities back. To this statement he answered " When items are sent to us, they are scanned and then destroyed '' to which i answered that it was illegal for them to do that. He asked again for me to send a check, cash or money order.I asked again to have the securities send back to me. I repeated that they are not financing anything for me, that is was be who gave them a loan. I also stated that according to the publication of the " XXXX XXXX XXXX '' published by the Federal Reserve Bank XXXX XXXX, the money is produced out of thin air and if it wasn't for me giving them the application, we would not be having this conversation. He affirmed that he would put in the request for the reissuing of the securities and be sent to me. XXXX supplied me with a mailing address for the executive office. Finally, i would like to be solved in a satisfactory manner. I kindly ask that Chase provides me with a copy of my original application and the contract between us showing equal consideration. I can not remember anyone at Chase signing any of the documents i signed. In addition i would like to get a copy of their accounting ledger where it shows the credits and debits or assets and liabilities on the public side as well as the private.
Company Response:
State: FL
Zip: 33414
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XX/XX/XXXX Called XXXX in customer service at Chase to order a Sapphire Preferred card to replace our Southwest card ( {$99.00} annual fee charged on XX/XX/XXXX ) Asked if payment of that {$99.00} fee could be transferred to the new Sapphire account, as well as transfer of reward points. XXXX promised fee credit and points would be transferred. Then he announced I must apply online for the new card, which I did and it was approved immediately. XX/XX/XXXX I ordered payment in full of Southwest account, delivered to Chase on XX/XX/XXXX. XX/XX/XXXX The Sapphire cards arrived in the mail, after which we stopped using the Southwest card. XX/XX/XXXX While online at Chase to print Southwest statement for final pay-off, I noticed the Sapphire account was also debited for {$95.00} annual fee on XXXX, and there is no credit for having paid {$99.00}. XX/XX/XXXX Spoke to XXXX, Supervisor at Chase. She claims XXXX gave me " misinformation '' and my request for transfer of fee credit and reward points can not be honored. They will " pull the call '' record with XXXX of XX/XX/XXXX at XXXXXXXX XXXX and mail a letter in 7-10 business days. Also, I would have had to close the Southwest account within 41 days of XX/XX/XXXX to get the fee credit transferred. I asked how could I close the account without having received the final statement and paying it off? She said I could close it with a balance remaining, but did not say that it was an option today! XX/XX/XXXX Filing a CFPB complaint ; last 2 Southwest statements and Sapphire activity printout are attached, along with my husband XXXX XXXX signed permission to respond to me. Thank you, XXXX XXXX
Company Response:
State: CA
Zip: 92688
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/XXXX I made a mobile check deposit for my daughter in the amount of XXXX via cashiers check payable from my mothers account via XXXX XXXXXXXX XXXX to her ( her being XXXX ) endorsed to me ( her mother ). There was a ten day hold placed on the check. Standard with new accounts which was fine. I went into the branch later in the week to withdraw funds I deposited via a money order that same day and was told my account was restricted. I spoke with the department in charge and was told that they no longer have a way to verify information with XXXX XXXX XXXX so i needed to verify that I was the intended payee of the check. I explained that I was instructed as her mother to be within my legal rights to deposit for her. They then informed me that they had no information on my daughter, of course, and that my daughter needed a phone number that would pass verification through XXXX XXXX before they would release the funds or else they would close my account in 10 days. I offered to bring my daughter in with school id and was told that would not be acceptable. The rep on the phone then followed up by saying to unrestrict my account completely I would need her birth certificate, a copy of her social security card, a current photo of her, AND a phone in her name. My daughter is XXXX XXXX XXXX, she is not able to obtain her own phone credit line. I personally feel this to be a violation of my daughters privacy rights. As she is a minor. I do not see why her being present is not acceptable. All of my funds are being held & my account will be closed within XXXX hours if this is not resolved amicably. They have not even provided a written notice giving reason for the restriction I do not even wish to bank with chase at this point
Company Response:
State: OR
Zip: 97030
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 purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: What was supposed to be an easy chargeback win due to the seller being a scammer, turned into a nightmare with countless hours lost, {$800.00} lost, and the vendor left thinking they can continue to scam people and be successful at it. I purchased a custom website design from an online company located in California called XXXX XXXX XXXX. On my credit card the charge was listed as a vendor name called XXXX XXXX. This company never produced a website, they simply filled out a few words in a prebuilt singular webpage with no working links, relevant images, or anything else we agreed on. The company fraudulently claimed to have delivered the product to me and convinced Chase to agree that their charge was valid for {$800.00} USD. Important Dates : 1. Purchase made on XX/XX/2023 2. Filed dispute for charge back since Vendor was unresponsive XX/XX/2023 3. Seller submitted rebuttal with blurry images of an empty website shell on XX/XX/2023 ( Chase only needed to click on the link provided by the seller to see the website was a fake product or request legible images of both the email correspondence and website screenshots showing me cancelling services before the website was even conceived ) XXXX. XX/XX/2023 Called Chase at XXXX for XXXX minutes to confirm when they needed the supporting information by, they said they need my response by XX/XX/2023 and will make a note on my profile. 5. XX/XX/2023 Chase ruled in Vendor 's favor due to lack of evidence from buyer ( me ) even after reassuring me I had until XX/XX/2023 to submit information. 6. XX/XX/2023 I ( Customer ) submitted a response to the Vendor 's rebuttal along with a complete email correspondence showing me cancelling services and the Vendor 's policy for 100 % money back guarantee ( which shouldn't matter because no product of use was ever made ) on Chase.com. 7. XX/XX/2023 Chase again rules in Vendor 's favor even after Customer ( me ) submitted the requested information but fails to explain why they made this ruling or even ask the customer ( me ) for any additional information they desire. Chase should have waited to make a ruling if they were uncertain and requested specific information from me. 8. XX/XX/2023 Chase sends a second letter after the letter ruling in the Vendor 's favor. This made it seem as though someone made a clerical error on the ruling and therefore had reopened the case. I assumed they were waiting on the vendor to respond to my rebuttal. 9. XX/XX/2023 called Chase XXXX ( XXXX XXXX ) to see if there was more information I could provide them on the case, I was told there was nothing further to do. 10. XX/XX/2023 called Chase XXXX ( XXXX XXXX sec ) Called chase to see why there hasn't been a ruling yet. They claim they made a ruling and the case is closed. They then proceed to tell me the deadline for submitting a chargeback claim was XX/XX/2023. I proceeded to ask why they didn't reach out to me for more information if they needed it as well as how they came to their conclusion that it was a valid charge. The representative told me they did not disclose that information and that it was final. I then submit this information online at Chase.com in hopes of a resolution. 11. XX/XX/2023 called Chase XXXX ( XXXX XXXX sec ) I called Chase again to ask about why I was unable to continue the dispute when I started it long before the window had closed. I also asked why they rendered the charge valid even after submitting 8-pages of arguments with high level of detail and the complete 56-page email correspondence between me and the seller showing their fault. The representative instructed me how to write a more concise response that Chase might look more fondly on. I wrote a 2-page response and submitted it to Chase.com. 12. XX/XX/2023 Chase once again claimed the charges were valid. They now claim it is because I am asking for a chargeback after the XX/XX/2023 dispute window. beyond being upset, I was stunned that Chase would still fail to reverse the charge even after all this effort and time since XX/XX/2023. My argument is that I began the dispute well before the window closed and that Chase failed to instruct me on what specfic information and format they needed to make a valid ruling from their perspective. I clearly had the information to back up my claims, and I even submitted the information request to them on time, just not in the format they may have liked. As previously stated, I submitted a highly detailed 8-page response along with a 56-page email correspondence and a comparison of the website I had previously created myself even prior to interacting with this Vendor and how it was actually functional. The website I created was free. Chase still insisted the vendor 's charge was valid, almost as if the Chase had not even read my rebuttal or the email correspondence. I then submitted another document that was only 2-pages long in hopes that they would be more likely to read this one and recognize this was an obvious scam. Below is the information from that document : ************************************************************************************************************ Regarding the charge for {$800.00} on XX/XX/2023 from XXXX XXXX XXXX XXXX XXXX XXXX for a fully-functional custom Website. This company and its staff failed to produce the product they promised. My communication with this company began XX/XX/2023 ( Date of purchase ) and ended on XX/XX/2023 ( Date refund requested ). After this, not a single email, product, or refund has been received to date on my end from any person or body representing XXXX XXXX & XXXX XXXX XXXX. Arguments : A. Seller repeatedly claimed one ( 1 ) month to complete a fully functional website at time of sale. No such product has been delivered and it has been 105 days since the date of purchase as of today. a. Product offered at time of sale vs product shown in Sellers rebuttal is equivalent to selling someone a fully functional car that is highway ready, but delivering a XXXX XXXX car instead. The gap in product expectation to product claimed to have been received it vast. B. Product sold was promised to include the following : a. Fully functional website with Stripe add-in linked and ready for customers to make transactions with. b. All my Snow bracket products ( I have XXXX in total ) should be listed on the website. Not a single one is listed on the website template they submitted in the Rebuttal. c. Another tab should be available to advertise my engineering services as a Design engineer for creating custom bracket shape designs. d. A custom product quantity estimating tool should exist where a customer can enter in the product type they want to use, the measurements of their roof ( Length, pitch, width, shape ( triangle, parallelogram, rectangle ) ), and the average snowfall in their area ( or overwrite this setting with the maximum snow depth they want to be held on their roof ). i. There should then be a custom pdf generated for the customer to download and see a custom installation pattern that states the total number of snow brackets to buy along with the total volume of SB-190 adhesive required to attach the brackets to the metal roof panels. ii. The pdf should also show where to install each bracket and their varied spacing on each unique roofing section the customer earlier specified in the custom estimating tool menu. 1. i.e. A customer inputs measurements for a standard rectangular ranch-style house and would have specified four ( 4 ) roofing sections that need snow brackets. There would be up to four pages of installation patterns for each roof section called out by the customer. e. All my company and product photos should be on the website, but they dont have a single one on the website mentioned in the rebuttal. f. Website will be searchable from XXXX ( but it is not, only the website I had already built myself it searchable online at XXXX ) g. Website will have https security encryption already integrated into it. h. Website will include embedded videos and links to my installation videos. Conclusion : Not only was no website of use ever built, but the company fraudulently claimed they had delivered this product to me. If you look through all emails we have exchanged ( Between the seller and I ), you will not find a single website where they claim to have delivered a product to me. Therefore, not only was the product never delivered ( the website ), but the inferior product submitted in the Sellers Rebuttal on XX/XX/2023 lacks 100 % of what was promised at time of sale. The product in the Sellers Rebuttal is a template to be used for building a website and not a functional website. Given the lack of product, overdue deadline, lack of communication from the Seller, and previously submitted email chains ( submitted XX/XX/2023 to Chase.com through their dispute section ), I am requesting a full refund in the amount of {$800.00} USD.
Company Response:
State: IL
Zip: 61801
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: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I use chase credit card. They have an option to setup interest payment plans and sometimes they allow XXXX interest plans. These are deceptive because one plan allows for one item to be delayed with no interest penalty but when trying to do this again that a second item would face interest charges. Now that both are pending items that I would have preferred to cancel these plans but I could not do so on mobile or by phone call such that its deceptive in nature and they only way to end this would be to just simply pay off the statement. I disagree because even if I pay off the statement that it still shows as if I agreed to credit established plan thus I wasnt able to cancel it while pending. Deceptive marketing and interest free versus interest single item payment plans should be separate.
Company Response:
State: IL
Zip: 60073
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: Trouble accessing funds in your mobile or digital wallet
Subissue:
Consumer Complaint: XX/XX/2023. Two invoices were submitted to a customer with a link to pay through Chase QuickAccept. My customer immediately paid but after a few days, I checked the account again and discovered my account has been closed and funds were placed on 120 day hold. Was told by customer service that their merchant service was a email only customer service department. I would need to submit invoices for the amounts billed. Never heard a response after emailing so I called customer service again. They finally transferred me to a merchant service representative ( apparently they did have a customer service number ) who told me that they never received a complaint so I was given a different email. I submitted the dispute once again, the response was bland and stated that the account was closed and that I may receive the funds after 120 days. I responded to the message, demanding for an explanation and have not received a single response. Now its XX/XX/XXXX, I called the quickaccept customer number again and they confirmed the account was closed. The money was on hold, and my funds would still not be available for another month when it would be placed in their consideration to be released. How is it possible that a bank is required to give you a reason to be denied on a loan, but will not disclose why they have your money on hold and have closed your account without ever giving you the account number.
Company Response:
State: DE
Zip: 19966
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: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: on XX/XX/26 I was called by Chase alerting me to fraudulent activity on my account. They said due to the nature of the fraud that I did not need to close my debit card. On that same day, 17 different ATM withdrawals were made totaling {$1400.00}. I immediately called that same day to have my card closed. The ATM withdrawals show as being done at an ATM by my house. XXXX XXXX XXXX, XXXX, XXXX Chase started a claim but has denied my claim stating that they can not prove that it was fraud because " nothing has changed on my account and the withdrawals happened in my geographic area ''. Chase has stated that the fraudulent withdrawals were done by XXXX XXXX contactless withdrawals. I have asked for video surveillance to prove that I did not make these withdrawals. Chase then told me I needed to file a police report. I have filed a police report. Case # XXXX. Chase has told the police that they can not release the video surveillance without a search warrant or subpoena and the police said they can not obtain those without the video surveillance.
Company Response:
State: OK
Zip: 73072
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A