Date Received: 2024-01-17
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I own a media company. On XX/XX/2022, I hosted a XXXX XXXX XXXX in XXXX XXXX XXXX that was sponsored by XXXX XXXX for {$11000.00}. As part of XXXX 's vendor intake process, I was required to fill out a form with my bank information ( See " XXXX XXXX '' in the attached pdf ). I accidentally provided the incorrect account number for my account at Chase Bank ( 2 digits being switched ). XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX sent wire payment instructions to Chase using the incorrect account number and the money was placed in the wrong person 's account. I provided the correct number and asked the client to issue a wire recall. XXXX XXXX XXXX did request the recall however, Chase has refused to return the funds to XXXX XXXX XXXX. Chase 's reply was that they are " waiting for Debit Authorization '' from the account holder in order to return the funds. The issue is that given the account number and beneficiary name did not match, the wire should have never been processed by Chase. Chase is simply trying to avoid liability for their own control/process failure. I've been attempting to obtain the funds for over 1 year now to no avail. Chase executive office has been avoiding my phone calls and inquiries. I have been given the run around for more than 1 year. Chase then contacted me stating that once the bank received a " Hold harmless letter '' from the client bank ( XXXX ), the funds would be returned. After another month of chasing Chase for a response, the bank stated that the funds would not be returned because " there are no funds available. '' The solution I am seeking is for Chase to return the {$11000.00} back to the client bank ( XXXX XXXX XXXX ) so that they can correctly wire the funds to my account. I have also attached a pdf that includes all of the evidence related to this case. I am not only prepared to get local NY media involved, I am prepared to notify my network of over XXXX social media followers and pursue legal action.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Chase Bank for their violation of my rights under 15 USC 6802, 15 USC 1681, 12 CFR 1016.7, and the Privacy Act of 1974. I believe that the bank has unlawfully shared my personal information without my explicit consent, and this action is a clear breach of the aforementioned statutes. Details of the Violation : Unauthorized Sharing of Information : I recently discovered that Chase Bank has shared my personal information without my explicit consent. This sharing of information has serious implications for my privacy and may have repercussions on my financial well-being. Violation of 15 USC 6802 : The bank 's actions are in direct violation of 15 USC 6802, which prohibits the unauthorized disclosure of nonpublic personal information by financial institutions. Chase Bank falls under the category of a financial institution, and the unauthorized sharing of my information is a clear violation of this statute. Violation of 15 USC 1681 : Additionally, I believe that Chase Bank has violated 15 USC 1681, the Fair Credit Reporting Act ( FCRA ). This statute outlines the responsibilities of credit reporting agencies and ensures the accuracy and privacy of consumer information. The unauthorized sharing of my information compromises the integrity of this system. Violation of 12 CFR 1016.7 : Chase Bank is also in violation of 12 CFR 1016.7, which establishes certain limitations on the disclosure of nonpublic personal information by financial institutions. The bank 's unauthorized sharing of my information goes against the provisions outlined in this regulation. Violation of the Privacy Act of 1974 : The Privacy Act of 1974 mandates the protection of personal information held by federal agencies. While Chase Bank may not be a federal agency, the act 's principles are crucial in ensuring the security and privacy of individuals ' data. The unauthorized sharing of my information constitutes a violation of the Privacy Act 's core principles. Furthermore, I want to highlight that XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, and other nonaffiliated third parties have received my personal information without my approval. I did not consent to the sharing of my information with these entities, and their involvement exacerbates the breach of my privacy. I request that the Consumer Financial Protection Bureau thoroughly investigates this matter and takes appropriate action against Chase Bank. I also request that the agency informs me of the findings of the investigation and any steps taken to rectify the situation. Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary actions to uphold consumer rights and protect against such privacy violations.
Company Response:
State: CA
Zip: 94520
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Other transaction problem
Subissue:
Consumer Complaint: The story is my boyfriend got a trouble and would like to borrow $ XXXX from me. I have enough money in my Chase Bank account and I can support him to get through this hard time. Because there is no Chase branch around me, and I am afraid of emailing a signed check to him would not be safe, finally I decided to use wire transfer from my Chase account to his Chase account, a domestic transfer. I checked the transfer info several times to make sure that everything is correct before I scheduled the first transfer on XX/XX/2024. Since it was Saturday, and I was told the transfer would start on XX/XX/2024. On XX/XX/2024, I received an email from Chase saying that the transfer was cancelled and my account was locked. I called Chase and they told me they need some info from me to verify this transfer. The verification was definitely successful and they told I can do another wire transfer in half of an hour to one hour later. Then I scheduled the second wire transfer after maybe 3 hours after the call, still on XX/XX/2024, again it was cancelled and my account was blocked. I called Chase, did the verification, and then scheduled the third wire transfer again, the same cancellation happened. The agent told me to do another transfer on XX/XX/2024. Then on XX/XX/2024, before I did the fourth wire transfer, I called Chase and to told them that I would like to do a $ XXXX wire transfer to my boyfriend to support his hard time, and they told me I was good to go. Cancellation and account lock happened again. Anyway, I tried five times to transfer the money and all were rejected, even though I told them this is not fraud, and I did need to transfer the money to my boyfriend. Finally I called Chase again and asked how can I do the wire transfer successfully, the last agent did another more accurate identification verification for me, and after this successful verification, he told me I should go to a branch. The issue is there is no branch within hundreds of miles around me. I have never done a wire transfer, including in and out, all my incomings are clear just from salaries and interest. I am not sure whether they will close my account later because of the five times rejection, but anyway, I spent two whole days just on calling Chase and trying to solve this issue but just got endless rejection and lock. I was really really really uncomfortable with this service.
Company Response:
State: TN
Zip: 37830
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On XX/XX/XXXX, I opened an account with Chase Bank online. The next day, I went into my local branch and deposited a {$69000.00} check expecting a 7-10 business day clearance period. However, due to the holidays, I returned on XX/XX/XXXX, only to receive a letter threatening account closure. Upon inquiry, I learned the check was placed on hold due to a third-party verification issue. The third party, an old friend with a changed number, readily cooperated with Chase 's verification attempt. Despite this, Chase refused to release my funds, citing the outdated phone number as their sole reason. Even after the third party visited the bank and personally verified their identity, the specialist callously dismissed him and hung up. Frustrated and emotionally distraught, I filed a formal complaint with the branch manager, XXXX XXXX. She attempted to resolve the issue by contacting customer service again, eventually reaching a more helpful specialist who verified the check with XXXX XXXX. However, a " hold harmless agreement '' and an additional 5-day wait were imposed. Adding to the confusion, I received another letter stating my account was denied due to a low credit score, despite it not being a concern during the initial opening. By XX/XX/XXXX, the account was closed. Thankfully, XXXX persisted and reached a Level III fraud specialist who reopened the account within a day. However, the promised 5-day release of the funds never materialized. Today, XX/XX/XXXX, the account remains closed, and Chase claims the check is " in the mail '' without providing any details or a delivery date. This entire ordeal has caused me immense emotional distress, financial hardship due to missed bills, and a deep sense of racial and age discrimination. I believe Chase deliberately took advantage of my situation and exploited my funds for their own gain.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I did occur injury since time ago XXXX, when I did maintain an appropriate concerns First Republic Bank, attends to a professional business banking account, that did dramatically maintain very rude attends to of malfunction. I was after opening an First Republic business banking account, occur to very serious delays appointment applies mine new checking account to of mine professional legal business, " Legal Advisory & Document Company '', named XXXX XXXX XXXX, an XXXX. I was informed that day I opened the pro business account, that I would be at fact able receive a temporary, banking debit card, unfortunately I was not provided that card, and was caused upset, inconvenience, by acts this. Later I did occur very ill too, by regards I was failed an reasonable timely, delivery of mine First Republic Bank, business checking account, checks. " I had been an First Republic Bank account holder, and I had yet, exceed two weeks, receive either mine appropriate to business banking account 's, even that of " temporary debit card '', or for appropriate of business checks ''. I did attempt receive a fair remedy for regards the above mention of bank 's malfunctions occur compel mine legal business serious delays to continue at planned professional business, XXXX XXXX XXXX, an XXXX., the jurisdiction, " XXXX '' coordinate applies to gain of replies U.S. Government, attends Internal Revenue Service , my XXXX company add forms acquire an appropriate jurisdiction {$5000.00} settlement, for each relevant U.S. citizen. The above mentioned describe XXXX XXXX XXXX ' " XXXX '' forms, is add here associate that to relevant regards at seriousness a " loss occur '', due fact First Republic Bank did fail provide me with promised to business banking account, debit card, a relative mine professional business checks. I did because of this above mentioned First Republic Bank 's malfunctions, occur of XXXX of that to upset mine VA doctor diagnosed illness to XXXX XXXX XXXX, associates, compel me use VA prescribed medications. I did subsequent the events, here above describe, cause me illness, and to that regards communication further, attempt remedy these banking errors, and of malfunction occur me, with respect the First Republic Bank relative matter banking agent ( s ), did too, occur, " apply request by fax jurisdiction '', and formally, ask for an decent, as by law does require appropriate to acts available, support " Injury Claim Form ( s ) '', type relative insurance provision. I did during time more intense was mine injury occur relative fault of bank 's jurisdiction First Republic Bank, request an lawful appropriate injury claim, and that since then XXXX, I have yet received a fair, a lawful respect, claim, for appropriate concern injury, provision should occur lawful, by F.R. Bank.
Company Response:
State: CA
Zip: 94509
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My mother and I have a joint checking account with XXXX XXXX XXXX. In XXXX XXXX XXXX one of our checks were stolen from a USPS mailbox and counterfeit checks were made. Chase Bank cashed these checks for the offenders. The theft was reported to the XXXX XXXXXXXX XXXX sheriff 's dept. It is XXXX # XXXX. The offenders were located in Tennessee. Chase bank has yet to reimburse us for the money of the counterfeit checks they cashed. If you would please assist us in this matter, it would be greatly appreciated.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Chase and XXXX XXXX have violated my privacy by sharing my private/ non public personal information without my consent and have not disclosed how I can exercise a non disclosure option per 15 USC 1681. Chase and XXXX XXXX have stated they do not share with non affiliates, however, my information has been given directly to XXXX XXXX XXXX without my consent. Chase and XXXXXXXX XXXX have stated they do not share with third parties, however, XXXX XXXX XXXX is a third party. Under the Privacy act of 1974, I have the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. ( Pub. L. 90321, title VI, 602, as added Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1128. ) 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution XXXX not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. ( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law. ( Pub. L. 106102, title V, 502, Nov. 12, 1999, 113 Stat. 1437 ; Pub. L. 111203, title X, 1093 ( 2 ), July 21, 2010, 124 Stat. 2095. ) 15 USC 6803. Disclosure of institution privacy policy ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institution 's policies and practices with respect to- ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers. Such disclosures shall be made in accordance with the regulations prescribed under section 6804 of this title. ( b ) Information to be included The disclosure required by subsection ( a ) of this section shall include- ( 1 ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section 6802 of this title, and including- ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to whom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title. ( Pub. L. 106102, title V, 503, Nov. 12, 1999, 113 Stat. 1439. ) 15 USC 6804. Rulemaking ( a ) Regulatory authority ( 1 ) Rulemaking The Federal banking agencies, the National Credit Union Administration, the Secretary of the Treasury, the Securities and Exchange Commission, and the Federal Trade Commission shall each prescribe, after consultation as appropriate with representatives of State insurance authorities designated by the National Association of Insurance Commissioners, such regulations as may be necessary to carry out the purposes of this subchapter with respect to the financial institutions subject to their jurisdiction under section 6805 of this title. ( 2 ) Coordination, consistency, and comparability Each of the agencies and authorities required under paragraph ( 1 ) to prescribe regulations shall consult and coordinate with the other such agencies and authorities for the purposes of assuring, to the extent possible, that the regulations prescribed by each such agency and authority are consistent and comparable with the regulations prescribed by the other such agencies and authorities. ( 3 ) Procedures and deadline Such regulations shall be prescribed in accordance with applicable requirements of title XXXX and shall be issued in final form not later than 6 months after XX/XX/XXXX. ( b ) Authority to grant exceptions The regulations prescribed under subsection ( a ) of this section may include such additional exceptions to subsections ( a ) through ( d ) of section 6802 of this title as are deemed consistent with the purposes of this subchapter. ( Pub. L. 106102, title V, 504, Nov. 12, 1999, 113 Stat. 1439. ) 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 1 ) Under section 1818 of title 12, by the appropriate Federal banking agency, as defined in section 1813 ( q ) of title 12, in the case of ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) banks insured by the Federal Deposit Insurance Corporation ( other than members of the Federal Reserve System ), insured State branches of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; and ( D ) savings associations the deposits of which are insured by the Federal Deposit Insurance Corporation, and any subsidiaries of such savings associations ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ). ( 2 ) Under the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], by the Board of the National Credit Union Administration with respect to any federally insured credit union, and any subsidiaries of such an entity. ( 3 ) Under the Securities Exchange Act of 1934 [ 15 U.S.C. 78a et seq. ], by the Securities and Exchange Commission with respect to any broker or dealer. ( 4 ) Under the Investment Company Act of 1940 [ 15 U.S.C. 80a1 et seq. ], by the Securities and Exchange Commission with respect to investment companies. ( 5 ) Under the Investment Advisers Act of 1940 [ 15 U.S.C. 80b1 et seq. ], by the Securities and Exchange Commission with respect to investment advisers registered with the Commission under such Act. ( 6 ) Under State insurance law, in the case of any person engaged in providing insurance, by the applicable State insurance authority of the State in which the person is domiciled, subject to section 6701 of this title. ( 7 ) Under the Federal Trade Commission Act [ 15 U.S.C. 41 et seq. ], by the Federal Trade Commission for any other financial institution or other person that is not subject to the jurisdiction of any agency or authority under paragraphs ( 1 ) through ( 6 ) of this subsection. ( 8 ) Under subtitle E of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5561 et seq. ], by the Bureau of Consumer Financial Protection, in the case of any financial institution and other covered person or service provider that is subject to the jurisdiction of the Bureau and any person subject to this subchapter, but not with respect to the standards under section 6801 of this title. ( b ) Enforcement of section 6801 ( 1 ) In general Except as provided in paragraph ( 2 ), the agencies and authorities described in subsection ( a ), other than the Bureau of Consumer Financial Protection, shall implement the standards prescribed under section 6801 ( b ) of this title in the same manner, to the extent practicable, as standards prescribed pursuant to section 1831p1 ( a ) of title 12 are implemented pursuant to such section. ( 2 ) Exception The agencies and authorities described in paragraphs ( 3 ), ( 4 ), ( 5 ), ( 6 ), and ( 7 ) of subsection ( a ) shall implement the standards prescribed under section 6801 ( b ) of this title by rule with respect to the financial institutions and other persons subject to their respective jurisdictions under subsection ( a ). ( c ) Absence of State action If a State insurance authority fails to adopt regulations to carry out this subchapter, such State shall not be eligible to override, pursuant to section 1831x ( g ) ( 2 ) ( B ) ( iii ) of title 12, the insurance customer protection regulations prescribed by a Federal banking agency under section 1831x ( a ) of title 12. ( d ) Definitions The terms used in subsection ( a ) ( 1 ) that are not defined in this subchapter or otherwise defined in section 1813 ( s ) of title 12 shall have the same meaning as given in section 3101 of title 12.
Company Response:
State: CA
Zip: 95834
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
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: See attached. Instead of processing disputes Chase randomly froze my card stranding me abroad where I needed it to pay for basic living expenses.
Company Response:
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
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: All of my credit card balances are always paid in full, prior to the due date on my Chase Freedom card. The most recent statement period is from XX/XX/XXXX, XXXX XX/XX/XXXX. This period in question is then due XX/XX/XXXX. Please note I did pay the incorrect amount due already on XX/XX/XXXX to avoid fees. Chase is stating that my balance is XXXX However, I received a credit from Amazon for XXXX, which should have been deducted from this amount making the total due XXXX. The only purchases during this period were : XXXX, XXXX XXXX XXXX and the credit from Amazon for XXXX. It seems that given the balance they stated I owe of XXXX they did give me the credit of XXXX, but also included incorrectly added a second charge for XXXX which occurred on XXXX XXXX ( outside of the statement period ) in my balance. This second XXXX charge should be due on XX/XX/XXXX. When I messaged Chase several times on their secure messaging system, they responded with two explanations both of which did not address my concerns or how to escalate the issue.
Company Response:
State: WI
Zip: 544XX
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I had a Chase Southwest branded credit card. Throughout XXXX and XXXX, I reported several overseas fraudulent charges were made on the card. I reported these to Chase, but they never took action to close the card to prevent additional fraudulent charges, hence breaking their own terms and conditions to protect their clients. They then closed this card, and all other personal and business cards I had with the company and refuse to open new cards with no explanation of why they are harassing me with this.
Company Response:
State: CO
Zip: 80207
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A