Date Received: 2023-11-03
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: I was targeted by a fraudulent merchant that misrepresented himself as a person in need of help. They said they were collecting money to help their sick kid. I agreed to give them {$20.00}. They said they could do this over credit card because they had a XXXX terminal. I tapped my card to the XXXX terminal. The fraudster sprinted away after I did this. It turns out they charged my card for {$500.00}. Chase claims that they talked to the " merchant '' ( who is not a merchant and a fraudster ) and the merchant provided proof that their charge was accurate. Obviously the merchant is able to provide " proof '' because they fraudulently charged me {$500.00} and escaped. They have an " invoice '' for {$500.00} that I did not consent to. Chase is requesting that I am supposed to give them documentation that I did not consent to the {$500.00} charge. This is impossible because the fraudster made me tap my card to a different number than what I had consented to. The only receipt/invoice that exists is the {$500.00}, which I don't even have, and I have not consented to. Chase should be able to figure out that this merchant/fraudster is not trustworthy and reverse the transaction. They are choosing the believe him over a long-standing customer who has absolutely no chance of proving his claim.
Company Response:
State: IL
Zip: 60622
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: In XXXX of XXXX I was in the hospital XXXX XXXX with XXXX after complex XXXX XXXX. I supplied proof and they will not remove a 30 day late status for that date in spite of a PERFECT credit score for decades with them and other creditors. I have asked twice for an investigation with no results. This is slotted to remain on my account until XXXX. This is unacceptable. It is obscene that I should be punished for such an occurrence, particularly when my account was previously impeccable and has been ever since!
Company Response:
State: NM
Zip: 870XX
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Chase cashed a check ( already cashed by me at my bank ) to a thief I had already mobile deposited. I am an account holder of XXXX XXXX XXXX. I mobile-deposited a check on XX/XX/2022. Over a month later, a thief stole this already deposited check. The thief went on to fraudulently cash this same, now invalid check at Chase Bank ( I am not an account holder at Chase ) on XX/XX/2022. Chase Bank did not take any action to recognize that the check had already been deposited ( and was clearly marked for Mobile Deposit ) and was invalid. Rather, Chase notified my bank who then deducted the amount cashed by the thief from my XXXX account. I have been working in good faith to recover this loss but has not experienced sufficient commitment from Chase to rectify the matter. Chase could have easily prevented this loss by practicing minimal levels of diligence to note that this check had already been deposited prior to the thiefs cashing and checking a form of identification prior to cashing the check. They failed and will not assist me in recovering these funds.
Company Response:
State: CA
Zip: 90603
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I came into this branch and waited almost 2 hours, trying to open the account while Chase Bank was having systemwide errors throughout their platform the branch representative that open my account I found her extremely rude very impersonal, and she told me a lot of misinformation about this Services and account types that I was opening. The representative. XXXX told me that I had a preapproval for a Chase freedom credit card with them and that I was approved for it Based off a soft credit check that was ran that she performed. She told me that it was not a hard credit check pool, and that it would not affect my credit and that way so I said OK as we were finally closing the account after already having to deal with several rude comments that she tried to slip under the table and say to me, I saw that the closing statements that she gave me said that it was a credit card application as I was asking her, so when do I get the actual credit card that she said it was approved for me she told me that it takes 7 to 10 days to get the actual approval or not which is confusing because thats not what she previously told me, I called the XXXX XXXX number for Chase to get clarification as to what actually happened to make sure she didnt just run a full XXXX scale credit check for a credit application. I did not want to perform or have done. The representative on the phone became extremely argumentative because she said she could verify the address. I provided with her on my checking account that I just open with the credit card application. She can not verify the address because the characters were cut off and I explained to her. Yeah, I know the characters will be cut off because the banker already told me that the system does not allow for the full characters to show on the credit card application so obviously thats why so its still the same address That I just tried to enter and provide to them so rather argue back-and-forth with her I just decided to go to the branch and just try to close the account and just to be done with all of this and I want clarification as to whether or not a full scale, credit card, hard inquiry was ran on my credit or not, which no one still has been able to provide to me I was working with a polite bank teller Who called over the manager on duty. XXXX, who was extremely rude I didnt know who the lady was when she first walked up and I asked her I said excuse me are you the branch manager and she told me that she was the manager on duty I said OK and I said I would like to close the account and I informed her that I was having issues with the credit card application or process that the bank representative Just put me through. I was telling her in the middle of me talking that the banker said that I had a preapproval for the credit card and before I can say anything else she immediately cut me off telling me well preapproval doesnt mean that you approved and blah blah blah blah blah and I told her I said excuse me, maam, you just asked me a question but youre not even giving me time to answer the question youre just over talking to me and interrupting me which I found extremely disrespectful so we moved over to another window and she want to get a XXXX XXXX attitude. Well thats fine we can close your account so sorry that youre upset and that you are this and that and blah blah blah just very disrespectful And reiterate oh yeah, we can close your account. We dont have any issues doing that at all so Ive wasted close to 2 1/2 hours of my time opening an account that I had to close due to fraudulent misrepresentation of the credit card application that the lady did not tell me that she was running a hard inquiry on my credit she actually told me that I was preapproved, but that with a soft credit check that it had gave me an approval for the card and so forth, but thats not what occurred and the fact that I have to do with XXXX XXXX Customer Service on the phone and then a lady thats not even a XXXX branch manager acting like this is her personal chase bank XXXX very disrespectful very rude. I will never bank with Chase Bank at all. This is highly unprofessional from even the girl kept calling me girl in the middle of me trying to open my account. There were several disrespectful, derogatory terms, and comments that the XXXX made to me towards me and about me that I found extremely unprofessional I will never in my life even come inside of a chase bank. This is been the worst the worst experience Ive ever had especially coming from one bank, trying to transfer to a new bank with all of my business. This is unacceptable, unprofessional unethical, and for her to misrepresent the terms of a credit card application Im considering this consumer fraud.
Company Response:
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/2023 around noon I was called in the afternoon by a number attached to the XXXX XXXX XXXX by " Officers '' with badge numbers claiming that I was in violation of not appearing for federal jury duty. I was told that I needed to use a platform to pay {$2000.00} to a number tied to the court system in order to push back the citation and do a signature test. I provided the {$2000.00} to the specified number but felt uneasy. I went to my local chase Bank soon after to file a claim while the transaction was still pending. A woman on the phone in the claims department for Chase said that there was a a claim in progress now and that only after the weekend will any action be taken. I called the following week to follow up and no actions were taken until I was on the phone with Chase. The asked me some more questions around the incident and I gave my report out. In either interaction with the bank I was not given a claim number attached to this claim. One week after I filed a police report with my local prescient. I am now filing my report here with the CFPB
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This complaint is against Chase Bank for withholding {$50000.00} payment made legally to my business for services I rendered to one of my clients for over three months without any intention of paying me the funds or resolving this issue any time soon. On XX/XX/2023 I registered a business in XXXX XXXX under the Fictitious Business Name of XXXX XXXX XXXX XXXX XXXX On XX/XX/2023 I opened a bank account with Chase Bank XXXX XXXX for XXXX XXXX XXXX XXXX XXXX with {$100.00}. The banker name is XXXX XXXX. Also, at same time I contracted with XXXX XXXX ( based in XXXX XXXX ) to build and supply them with Men and Women Modular Restrooms for their Department XXXX XXXX XXXX XXXX project in XXXX. For this purpose, I leased a warehouse in XXXX temporarily and assigned the work to my project manager XXXX XXXX XXXX to buy materials and supervise the construction of the containers. On XX/XX/2023 I received the first payment from my client XXXX XXXX for {$50000.00}. On XX/XX/2023 I deposited the check into my company account with Chase Bank. Chase bank put a 10 day hold on the funds until it cleared. The check was cleared on XX/XX/2023. On XX/XX/2023 I tried to access the account online to verify that funds were deposited, but I couldn't access my account. I called Chase Bank, and they told me that they suspected fraudulent activity and decided to close my account. They claimed that they called the issuer of the check and were unable to get hold of him. Since then, I visited Chase Bank and called numerous times, and they still refuse to give me the funds. They were able in my presence to contact the issuer of the check and speak directly with XXXX who confirmed that the check is legal and is made to XXXX XXXX XXXX XXXX XXXX for the intended product. However, Chase refused to give me my money till now and have been giving me the run around from one bank officer to another. It is important to mention that the cost of the two modified containers sold to XXXX exceeded {$140000.00}. XXXX was required to make two payments to my company. The first was $ XXXX that is still withheld by Chase. The second payment was {$90000.00} and was paid to me by XXXX on XX/XX/2023 after the completion of the project. Therefore, I had to open a new account with XXXX XXXX XXXXXXXX under the XXXX XXXX XXXX XXXX XXXX business name in order to deposit the $ XXXXXXXX XXXX XXXX XXXX called the issuer of the check to verify it and within three days the funds were made available in my business account. It is also important to note that I provided invoices to Chase bank along with photos of the modified containers but they kept giving me one excuse after the other. To date, they have not issued any letters or documents to explain their actions. I am a small business owner and I am working on growing my business. I have spent over {$140000.00} on the containers supplied to XXXX and didn't make any profit from this order. I have incurred a lot of expenses for labor and materials that were charged to my credit cards and I am currently paying interest on the credit cards debt that accumulated because I am unable to pay it off. Also, I still owe wages to some of the workers that worked on this project. What Chase Bank did is totally illegal and they have been benefiting and using my funds illegally. More important is that they have not given me any resolution or showed any intentions to pay me my money. We need your help in this matter, and it is very important to penalize Chase Bank for their actions to ensure they do not repeat this with other small business owners. Thank you
Company Response:
State: CA
Zip: 946XX
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Improper use of your report
Subissue: Received unsolicited financial product or insurance offers after opting out
Consumer Complaint: XX/XX/2023 I received a letter from Chase stating, " thank you for your request for credit. '' Months ago I received a credit card in the mail for a card I did not apply for. I reported this as fraud and had everything closed as a result. I froze my credit on XXXX XXXX and several other sites so my information could no longer be used. This issue seemed to be resolved until recently when I received the request to allow chase to access my credit report. I did not apply for this or request any credit review from chase. I do not have any accounts with Chase and do not wish to open any accounts or credit cards with them.
Company Response:
State: IN
Zip: 461XX
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Chase Cards is extremely vexxing. I have a 5+ year old card with them with a healthy limit. However I haven't use it for nearly an year & didn't plan to use it either. As a result I locked the card. Despite the card being locked Chase let ~ $ XXXX in transactions happen on the card for services I no longer use and intend to use. I in fact got the entire card changed and reissued with a new card number exactly for this reason. Then they merrily went ahead and tacked more fees and interest on this. I can't get Chase to help and this card is close to delinquent.
Company Response:
State: CA
Zip: 94040
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: About half a year ago Chase bank decided to close my checking account without providing any reason for doing so. However I still have business account with Chase. Half a year later I reopened personal account because Im sure its a mistake. Today I got mail that my personal account is being closed, as well as my business! credit card, without any explanation. My business checking account is not involved in this closure.
Company Response:
State: CA
Zip: 92805
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: I have been a loyal Chase customer for over XXXX years, but recent events have severely shaken my trust in this institution. My ordeal began when my XXXX XXXX XXXX XXXX was stolen, resulting in unauthorized individuals accessing my XXXX account and, consequently, my Chase bank account. Between XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX, these perpetrators made XXXX transactions totaling {$2500.00} from my account. Immediately upon discovering the theft, I notified both XXXX and my local Chase bank office, initiating the process to secure my accounts and gather evidence. The local Chase office has been instrumental in submitting several rounds of evidence confirming that my phone was stolen and the transactions were unauthorized. Despite these efforts, the situation took a frustrating turn during a conversation with a Chase representative named XXXX. He indicated, before any substantive discussion, that the management team had already decided my fraud claim would not proceed. He based this on an alleged XXXX XXXX authentication from an XXXX XXXX, a device I have never owned, at a time after my phone was stolen. I've also reached out to XXXX to obtain a detailed log of login activity, which should further prove the unauthorized access. Yet, Chase has shown a lack of willingness to consider this new information. To my dismay, the Chase representative was dismissive, insinuating that I was attempting to commit fraud, and refused to recalibrate his thinking or acknowledge the clear evidence of theft and unauthorized use of my account. Moreover, Chase has not taken steps to investigate the recipient bank accounts involved in the unauthorized transactions, even though this information has been provided to them. This refusal to investigate not only the circumstances but also the destinations of the fraudulent transactions is bewildering. It suggests a disinterest in pursuing a thorough and fair investigation. This experience has left me feeling betrayed and unfairly treated by a bank that I had trusted with my finances for nearly XXXX decades. The lack of due diligence and the premature conclusions drawn by the management team, as communicated by Chase, are unacceptable. It's clear to me that Chase 's handling of this situation falls far short of the standard of customer care and protection that any bank should uphold.
Company Response:
State: IL
Zip: 60607
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A