Date Received: 2024-01-22
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: I filed a chargeback on XX/XX/XXXX for an online transfer I know I never did. So Chase got back to me and said that they will re take the payment of {$1200.00}. They issued me a temp credit of that amount I was thinking they where refunding me for the money but they didnt and so they dipped me in the red by {$1200.00} on XX/XX/XXXX. I have my XXXX payment coming in XXXX I will not have hardly anything to pay for rent or food, gas lights etc for XXXX. I am a XXXX individual and need that money. Not for Chase to take it back.
Company Response:
State: MI
Zip: 48186
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Chase Bank I deposited a check into my account. The check went thru there standard hold time and clears. Chase then put a hold on my account froze it proceeded to close the account and told me they could hold my money up to 10 years before they have to send it to the state. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Company Response:
State: NV
Zip: 89104
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
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: XXXX : We have hundreds and hundreds of transactions that are not ours. When we originally opened the complaint, explained everything, and had them validate with Amazon, Chase did a charge back against amazon for XXXX XXXXXXXX worth of charges. XXXX of those charges were actually legitimate and we resolved that quickly with Amazon and Chase. This proves all those amazon charges were fraud. However, weeks went by as Chase " reviewed '' the issue and they instead worked with Amazon and then refunded money to the fraudsters accounts and now have a positive balance on our account ( we owe them for the fraud ). Chase has turned this into a complete mess and refuses to help fix it. They've even accused us of committing fraud which is beyond belief. ========================== Longer account We had XXXX primary credit card that we have always paid off monthly. We buy most of our household goods through Amazon and both my husband and I have separate amazon accounts but a joint household with my husband 's account as the primary. We never really checked amazon charges on our statements because we assumed anything we didn't recognize was bought by the other person. We got a new credit card this summer with a better offer and switched our Amazon accts to the new card ( new company ). When we went to pay off what we thought was the last few small recurring items we had been slow to switch on our old credit card ( XXXX pass etc ), we found over XXXX XXXXXXXX of fraudulent charges from Amazon. We had not used that credit card on Amazon for 2 months at this point. We called our credit card company ( Chase ) and Amazon. Amazon confirmed the charges were not on either of our accounts. We then looked further back and realized that there were fraudulent charges going back for 2 years that had all been small purchases ( {$10.00}, {$40.00}, etc. ) but it escalated considerably this summer. We hadn't noticed the small charges, although we did feel like money was tighter than it should have been. The credit card company initially reversed all the fraudulent charges, but then they came back and denied the fraud claim. We've been back and forth with both Amazon and Chase. Amazon informed us that there were a total of XXXX accts with that credit card - only XXXX of which were connected to me/my husband and the other XXXX were attached to different addresses/emails/phone numbers but used my husband 's name. Chase asked us to supply documentation of all valid charges which we did ( downloaded directly from amazon ) along with screenshots of Amazon confirming the charges didn't come from our accounts and the phone calls with Amazon confirming this. Chase is still denying our fraud claims and is expecting us to pay thousands that we didn't charge or receive any goods for. We are wondering what our options are. Uploaded Files : The " List of XXXX XXXX XXXX ( XXXX XXXX ) '' file is the charges we could positively identify as fraudulent, its as good as we could get with the terrible data alignment we could get between the XXXX companies. Ideally we could see what Amazon account each Amazon Transaction ID is aligned with so we could more easily see which ones were on our XXXX accounts and which were not. To date, neither company is willing to help with that. Both can see that information they've said.
Company Response:
State: CO
Zip: 80016
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: JP Morgan Chase Headquarters XXXX XXXX XXXX. XXXX XXXX NY XXXX Dear sir, I have had the transaction with XXXX vending machine at XXXX XXXX XXXXXXXX XXXX to get a XXXX of {$10.00}. Since I had an issue with this vending machine, which procedure was written on another printout, it ended up that you charged me {$10.00} twice. Even though I tried the transaction to refill my XXXX XXXX twice, I succeeded only once ; therefore, I should be charged only once. So please refund {$10.00}. Also, I found out your company refunded {$10.00} for XXXX XXXX in question for 5 times. But I am not sure XXXX XXXX for XX/XX/XXXX of XXXX even though I am not sure the price, if there was any charge for this game. It might have been free, or my son wanted to play this game so much and I paid for that. Anyway, I am not sure why the refund of XXXX on XX/XX/XXXX of XXXX was made ; even though he had used quite a long time until about high school. Sincerely,
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
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: Complaint about an unauthorized transaction My name is XXXX XXXX and I hold a business account named XXXX XXXX XXXX XXXX in CHASE bank ; it is a restaurant business account. I am writing this to bring to your concern that transactions by Logoconcave.com were unauthorized. Logoconcave.com have scammed me, I only authorized them to charge {$2000.00} to build my restaurants website, unfortunately they hacked and connected my website to adult sites that caused a lot of trouble and ruined my restaurants reputation! They also hacked my personal email, they disappeared after that. I had to shut down the restaurants website and pay a lot to build a new one. I reported the case to the police department located at XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX. The case number is XXXX and XXXX XXXX XXXX is taking care of this issue. I previously disputed the charges but logoconcave.com provided fake documents to CHASE that I authorized them to take {$26000.00} from the restaurants account, which I didnt. I had to change my credit card and get a new one. By a written request I asked CHASE bank to dispute all payments from my bank account to Logoconcave.com, but since XX/XX/2023 over XXXX times I have gone to the bank or called their customer service but no one takes this problem seriously. The CHASE case number is XXXX XXXX the dispute department.
Company Response:
State: CA
Zip: 91361
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I used to share a Chase checking bank account with my ex girlfriend. The account apparently subsequently closed without my knowledge due to an extended overdraft sometime in XXXX. In XX/XX/XXXX I walked into a Chase branch in XXXX XXXX XXXX to open my own personal checking account. The account was open. However, I was never able to gain access to online banking as the representative at the branch said it seems to be a technical issue and he will make sure its fixed and contact me to grant me access. I was mailed my debit card and account documents on XX/XX/XXXX. During the account opening, I was also approved for a Chase Freedom credit card. On XX/XX/XXXX, Chase sent a subsequent email to tell me the newly opened account was restricted to protect against potential fraud and that the account may close soon. I called several times and they were never able to disclose why and said it was at their discretion. On the other hand, they never closed the credit card and it remains active 6 months later. Though I wasnt allowed to maintain a checking account with them, they found it okay for me to hold a credit card. The worst inconvenience is that I am not even allowed online banking for my credit card to this day. I have accumulated rewards points that I can never use. Every payment I have to make on my card has to either be done inside a branch or at an ATM since I have no online access.
Company Response:
State: NY
Zip: 116XX
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/year>, I was charged {$1200.00} by XXXX XXXX XXXX for a ticket from XXXX to XXXX. The flight departed XXXX XXXX XXXX XXXX at XXXX XXXX with the gate shutting around 30 minutes prior per usual. The ticket was not issued until, XXXX XXXX XXXX time, which is XXXX XXXX CST. Which is AFTER the plane departed. We ( XXXX and I ) contacted the travel agency immediately and was told they would not issue a refund as this was an airline concern. We then contacted the airline ( XXXX XXXX # XXXX ) and was told that it was a travel agency issue and they refused to give me a refund as well. On the phone with XXXX they admit to issuing the ticket after the plane had departed ( see video clip attached ). The ticket was unusable and services were not rendered. My bank account now ( Chase ), although I filed a fraud claim twice, is pushing the charge through as authorized. My account is overdrawn due to this mishap and I risk my account being closed down or worse being sent to collections. I have a time stamped email of when the plane ticket was sent which also proves it was sent after the departure time of XXXX XXXX ( see attached photos ).
Company Response:
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Urgent Inquiry Regarding Alleged Identity Theft and Account Issues. Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I trust this letter finds you in good health. My name is XXXX XXXX XXXX, and I am writing to bring to your attention a matter of great concern regarding my recent attempts to open a checking account and merchant service for my newly established company. It has come to my attention that my personal information, including my social security number and name, has been flagged on a match website, implying potential involvement in identity theft or fraudulent activities. I have taken immediate action by contacting the relevant financial institution, Chase Bank XXXX JP Morgan, on numerous occasions to seek clarification and resolution. Despite my persistent efforts, I have encountered significant difficulties in obtaining information, proof, and evidence to substantiate the allegations against me. I have proactively notified credit reporting agencies about the potential unauthorized use of my personal information, particularly by my ex-wife. Discrepancies reported by agencies such as XXXX indicate inaccuracies in my profile, including the misspelling of my first name as XXXX XXXX XXXX' and incorrect variations of the last four digits of my social security number like XXXX or XXXX. I have requested transparency from Chase Bank and urged them to provide the necessary proof, invoices, and documentation supporting any claims against me. Unfortunately, my efforts have been met with silence, and I have not received any information or assistance in this matter. Additionally, I was advised to obtain a free credit report, a step that has not yielded any resolution. I must stress that I have had no financial interactions with Chase since XX/XX/XXXX, and I am confident that I have not engaged in any illegal activities. I was released from any financial obligations with Chase since XX/XX/XXXX. I have substantial evidence that I have not been ble to do absolut nothing from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Therefore, the continued negligence in addressing this issue raises concerns about the accuracy of the claims and whether there may be a misunderstanding or, worse, intentional misrepresentation. I am submitting this formal complaint to request a thorough investigation into the allegations against me, as well as the provision of all relevant documentation and evidence supporting these claims. I believe in due process and my right to understand any accusations made in my name. If any false reports have been submitted under my name, I am entitled to compensation for the damages incurred. I kindly request the Consumer Financial Protection Bureau 's assistance in addressing this urgent matter. I trust that your intervention will ensure a fair and unbiased resolution. I look forward to your prompt attention and guidance on the necessary steps to rectify this situation. Thank you for your understanding and cooperation in addressing this serious issue. Sincerely,
Company Response:
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: XXXX XXXX Chase sent me {$900.00} offer for opening both checking and saving accounts. The email offer said the coupon code applied when I click " Open both accounts '' link, so I opened them by clicking it. In particular, during the opening process, there was no indication of the missing code, and they never asked me to manually enter the code either. So I assumed that the code was successfully applied. Then I satisfied all the activities they asked me to fulfill to get the {$900.00} bonus : 1 ) set-up direct deposit for checking account, which occurred XX/XX/XXXXXXXX XXXX ) deposit {$15000.00} for saving account. XXXX XXXX I contacted Chase because the first portion of the offer, which is {$300.00}, didn't take place yet although they said it would be deposited within 15 days. I had waited because I assumed that it might mean 15 " business days '' after the direct deposit occurred on XX/XX/XXXX. However, they said " on our record shows that this account is not eligible for cash bonus because there was no coupon code attached. Even if we will try to attach a code, you're account is no longer applicable for the bonus due to it's already more than 21 days old. '' I told them I exactly followed their instruction in the offer email, but they repeatedly said they were not able to fix this. I wanted to escalate this case but I didn't receive any solution from Chase yet.
Company Response:
State: SD
Zip: 570XX
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had a positive balance in late XXXX that was {$92.00} of my XXXX XXXX check but a lender contacted me saying they could deposit money in my account which they did but my account was closed in early XXXX because it went negative after talking to the CEO of a branch in XXXX, the bank hacked my account and made it go negative after seeing my finances.
Company Response:
State: OH
Zip: 44024
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A