Date Received: 2024-01-13
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 am writing to seek your urgent assistance regarding a disputed charge of {$6900.00} made on XX/XX/2023, to XXXX for a custom mechanical ride. The product arrived on XX/XX/2023, in a severely damaged condition due to poor packaging. Despite following all recommended procedures, including marking the shipment as damaged and filing claims with XXXX XXXX and their 3rd party shipper XXXX, my claim was denied by XXXX XXXX just this week after much back and forth. Additionally, Chase denied my dispute citing the charge 's age. It's crucial to note that the merchant is refusing any resolution or refund, leaving me unfairly liable for a non-functional product.
Company Response:
State: TX
Zip: 78704
Submitted Via: Web
Date Sent: 2024-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: A fraudulent credit card account was opened in my name and was charged XXXX dollars this account was opened on XX/XX/2021 and was unverified i would like for this account to be removed asap.
Company Response:
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Chase Bank has withheld XXXX dollars and the only internal process to transfer it to me is not viable, so they do not give me the money and do nothing to solve it. The events were the following : I opened an account on XXXX, a few days later I deposited a check. The account was automatically blocked, I called the bank and after many questions they enabled it again. On XXXX the funds were enabled but after a few days the account was closed without me doing anything. From there I went to the bank about 5 times and called repeatedly without being able to solve the problem. They told me that the only way is to call the issuer of the check to verify it, but when I give them the number, which by the way they already had it in their records because they gave it to me first, they told me that that number does not pass a filter. of their systems and therefore do not communicate with the issuer of the check. Also on XXXX when I went to open the new account to deposit the amount, they told me that they were going to send me a new check making me wait more days, since the check did not arrive I went to the bank again and they told me that I was not going to receive a new check, that the only option was to call and that there was no way to return that money to the check issuer. They don't even want to validate it with the person issuing the check by going to the bank in person. The issuer of the check does not have other phone numbers, so I have no way to get my money back. I did not do anything wrong and I demand my money back as soon as possible and not have to go through this distressing situation and wasting time without the bank 's predisposition. They don't want to send me an email with information about it either.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: In XX/XX/XXXX, I deposited a check for {$4000.00} plus at chase bank through my mobile app. The check was a refunded deposit from my old apartment after I moved out, therefore the check had two names ( my roommate and mine ) on it, in which I only signed my name on it to deposit. Chase bank identified my deposit as a fraudulent transaction, and declined the payment. They closed my account without place for negotiable. They wanted to suspend the fund until they can get a hold of my roommate, so I provided chase with her phone number at the time, chase then returned to me and claimed that the phone number wasnt registered under their system so there is no way they can identify my roommates consent to deposit the money. Fast forward to XX/XX/XXXX, my roommate went abroad and I asked chase if they could return the fund to the sender ( apartment ) so I can have the sender issue me another check. Since my roommate would not have a phone number, it would be easier for her to talk the apartment. Chase said no, they cant release the fund because it has already been deposited into chase. I asked whats going to happen, they said they dont know the money will go unclaimed to state. They cant do anything about it. I then contacted them once again in XX/XX/XXXX and requested them to return the money to sender. I was promised to have my matter escalated, promised a call back within 48 hours which I never got the phone call. Very frustrating.
Company Response:
State: WA
Zip: 98006
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Received a phone call I was being sued and there was a court summons they were trying to deliver. Was given the name of the law firm of XXXX XXXX XXXX with the phone number XXXX. Called the number and told them it was discharged in bankruptcy. They said it wasn't listed. I told them I could send them a copy of the discharge papers and he said, " I can take care of it. '' and hung up. I called back and asked for their address and was told XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, Texas. This address is erroneous.
Company Response:
State: MO
Zip: 64093
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 when making payments
Subissue: Problem during payment process
Consumer Complaint: This is my 2nd attempt to pay off an amount to Chase Bank. I have not received anyway to pay off the account as their Rep stated on the phone call that I recorded that they dont have access to the account. Again, I am trying to submit payment on a account. Please provide a way to pay off the account so that the pay amount can be reflected on my credit report.
Company Response:
State: SC
Zip: 29418
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I sent a letter request to opt out of reporting. And did not receive a response.
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: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Charged too much credit while XXXX in Louisiana. Was not aware of the 6 % XXXX XXXX.
Company Response:
State: LA
Zip: 71112
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: Closing an account
Subissue: Company closed your account
Consumer Complaint: I have been a Chase Bank for more than 10 years for both business and personal. All XXXX of my children have accounts at Chase including my business and personal account. 2 of the last 3 times we have deposited {$500.00} in cash to the ATM machine at the bank, the machine has had problems with the deposit and failed to complete the deposit and failed to return the money. When I filed a complaint, they provided a credit but then took the credit away citing the deposit was never made. I went to the branch and complained and had the police come and file an incident. I then called the fraud department who handles this type of thing and they refused to accept the video and picture evidence of my deposit and said they will not use the ATM camera security footage to verify that I made the deposit. They told me that I would have to hire an attorney and file a lawsuit and subpoena the footage. Last Thursday I called the branch manager and told him I was really dissatisfied with the service provided by chase and that I would be closing my accounts. The next day Chase with no warning and for no reason closed all of my accounts preventing myself from running my business, my wife who is XXXX and XXXX kids from getting gas, pay bills, or pay for medical expenses.
Company Response:
State: CA
Zip: 94903
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: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I was notified that Chase Bank approved a XXXX Credit Card in my name without my permission. I requested they cancel it and provide me root cause. I wanted any documentation providing the reason this card was opened in my name. I want the timeline of events and any information that will help me identify the person who stole my identify or I want them to tell me they did it by mistake. They refuse to do so unless I go out to multiple websites they own and fill out multiple pages of requests. I said I can not do that and made a verbal request and they refuse. It should be the sole responsibility of Chase to provide all information pertaining to this error, regardless of what format the request was made, until I am satisfied. I should not having to jump through hoops designed to fatigue people into just giving up. I want a documented account of the investigation so I know how this occurred and can decide what to do next. THis is fraud. This is illegal, I deserve answers without having to go to multiple websites, credit bureaus, and down right disregard for what is right. Furthermore, if Banks should not be allowed to provide such cumbersome process to get information based on mistakes they made. They should be required to provide any assistance needed, in any way or format, to rightsize the issue.
Company Response:
State: OH
Zip: 453XX
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A