Date Received: 2023-10-30
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 contacted XXXX XXXX about getting a new sign made for our businesses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I expressed that we were on a strict deadline and would only be able to proceed if the signs could be designed and installed by the middle of XXXX. He agreed they could do it so we proceeded. I paid them their deposits of {$500.00} on two separate cards XXXX came out and measured the signs and then handed me off to their design team. This is when the entire operation fell apart. They became radio silent. I had to send a few e-mails to get any response from them each time, and they kept making excuses, saying their design guy was busy or out on vacation. Eventually, he sent me a design artwork and it was nothing like I asked for. I asked them to make very specific changes to it and they went silent again. After the 3rd round of this happening, I put a halt to the project and requested a cancellation. It was almost XXXX and their designer was ignoring all of my requests to make changes and would never respond to me. They refused to refund the deposits, so I filed a chargeback on my Credit card. I just got word that Chase refused by chargeback saying their claim was legitimate, despite the fact that I sent all of the e-mails and proof that they didn't deliver the product I paid for. This complaint is primarily against Chase. This is the exact situation that this premium credit card is supposed to protect us from.
Company Response:
State: NY
Zip: 13601
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: We were trying to deposit checks to via mobile app on XX/XX/XXXX to Chase bank but we weren't allowed to. We called Chase on XX/XX/XXXX and they said it is because they are closing my business account. The only reason they provided was " fraud ''. I tried to take out money in a branch on XX/XX/XXXX to start a new account somewhere else but they said they could not give me any of my funds. I had {$14000.00} in available cash in the account and asked for {$9000.00} but they refused to give me any money.
Company Response:
State: WI
Zip: 530XX
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On XX/XX/2023 a hard inquiry was made on my credit report for a JPMCB Card. A card was opened under my name on XX/XX/2023 with an account balance of {$210.00}.
Company Response:
State: MD
Zip: 219XX
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I paid off the lien back in XXXX and was sent the lien satisfied letter but was it not updated electronically to the North Carolina DMV. They have stated on their site that they do this for states that have this option. It is also required by law in the state of North Carolina. The first time I called the representative hung up in my face. The second representative said they don't see where North Carolina is an ELS state. I told them it's literally on their website faqs and it's NC DMV information. She just kept saying that's all the information that she had. I asked to speak to supervisor but was told none was available and that she could only take number and try to get someone to call me back. I asked could I have an email so that I could communicate with someone in writing for my records and she said that she could not give me anyone 's direct contact
Company Response:
State: NC
Zip: 27332
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
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 purchased virtual items on XXXX but within two months, XXXX was shut down, making me unable to use it. I contacted the credit card company to request a dispute on all purchases made on XXXX but the credit card company refused to allow me to use it.
Company Response:
State: TX
Zip: 77049
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I am the victim of identity theft. On XX/XX/2023, I received notifications from XXXX, Chase Credit Journey, and XXXX XXXX XXXX XXXX that a hard inquiry had been placed on my credit files on XX/XX/2023, by JPMCB Card. I confirmed that hard inquiries were placed my XXXX and XXXX credit reports. I never authorized these inquires. I contacted Chase Fraud Services on XX/XX/2023. I was informed that someone had applied for a Chase Freedom credit card. This was a fraudulent act that was unauthorized by me. Chase informed me that the fraudulent application had been denied. The reference number provided by Chase is XXXX. Please see the attached identity theft protection kit from Chase dated XX/XX/2023. I placed fraud alerts and later security freezes on my XXXX, XXXX, and XXXX credit reports. On XX/XX/2023, I discovered that XXXX XXXX number XXXX was fraudulently added to my XXXX and XXXX reports. Chase informed me that the fraudulent application used my former address of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, OH XXXX ( a secure apartment building ; the mailbox must be opened with a key ) which is presently occupied by XXXX XXXX XXXX according to voter registration records. I did not, nor did I ever authorize anyone to apply on my behalf for a Chase credit card, loan, or credit line on or about XX/XX/2023. To be clear : the credit card application submitted to JPMorgan/Chase on or about XX/XX/2023, was fraudulent and unauthorized by me. The application was submitted as a result of identity theft. By letter dated XX/XX/2023, which is attached herewith, I requested that Chase forward a copy of the fraudulent application to me pursuant to the FACT Act. My request included a copy of my state drivers license, and an initial identity theft report filed with the Federal Trade Commission. My XX/XX/2023, letter was mailed on XX/XX/2023, via certified mail to the address listed on page two of the attached Chase identity theft protection kit. The certified letter was delivered to Chase on XX/XX/2023, according to the USPS. A certified mailing receipt from the USPS and delivery confirmation information from the USPS website is attached with my XX/XX/2023, letter. I have contacted Chase several times via telephone and email concerning this issue. Chase has yet to acknowledge receipt of my XX/XX/2023, letter, much less send me a copy of the fraudulent application. The application is needed to aid in prosecution. I have attached an updated report filed with the Federal Trade Commission and a report I filed with the FBI XXXX XXXX XXXX XXXX. This is a very serious matter that requires expedited processing. I need a copy of the fraudulent application to be tendered to me forthwith.
Company Response:
State: WV
Zip: 25801
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: Our escrow check was mailed to another client with a mortgage from Chase and cashed via mobile banking from a XXXXXXXX XXXX in a different state ( XXXX PA ), check # XXXX in the amount of {$5600.00} cashed on XX/XX/XXXX with a routing # XXXX.We received someone else 's escrow check that we immediately returned to Chase as the name on the check was not ours. We then never received our check. We have spoken to XXXX XXXX, XXXX XXXX, XXXX XXXX to name a few. We have been sent numerous times to call centers in XXXX and other countries only to have to begin the escalations again and continually get transferred. Chase lost or claimed to not be able to read our first documents that were sent in XXXX that sent 3 ways : via email, fax, and snail mail. Escalations began on XX/XX/XXXX when we realized that our excess escrow money was NOT rolled into reducing our mortgage payments. I was sent a copy of the fraudulent check from Chase who tried to claim no fault. Same thing from XXXX. There are two names on our check and both banks have our signatures on file and we always made to both sign as we have separate checking accounts- whomever mobile deposited this check did so with one scribble and a click of their phone. We have filed multiple forms, multiple times, met with XXXX reps, had a minimum of over XXXX calls in over 6 months totaling 80 + hours of our time trying to get our check reissued and have someone take responsibility. These banks have insurance to cover this and it has gone way beyond the time frame allowed for resolution. We have gone to XXXX ( who allowed this to be cashed ) and still no one is taking responsibility. We have been to fraud, to escalations ( chase escalations # XXXX ) to our mortgage lender to a law office. We are extremely frustrated with how we are being placated with " we are working on it '' and no one is trying to make good on their error. We have done nothing wrong except to uncover the fraud and attempt to get our escrow check.
Company Response:
State: DE
Zip: 19810
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: New Chase checking customers open a Chase total checking account will bonus XXXX XXXX On XX/XX/XXXX, we went to the Chase branch to apply for a card and activated the checking account on XX/XX/XXXX. However, the bank staff who opened the card for us did not tell us that we could get a bonus of $ XXXX.We didn't get a bonus, but the activity was active when we opened the checking account. I also sent an email to the bank staff on XX/XX/XXXX, but he told me that the feedback was too late to get the bonus for me. Since the staff of Chase concealed the bonus activity, I could not get the bonus I deserve, so I hope to get help from the CFPB.
Company Response:
State: TX
Zip: 77025
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I tried to deposit XXXX USD at the bank ATM and after that ATM got the money. I waited a few minutes. ATM gave error and asked me to call call center. I have receipt but my account was not updated. I claimed and they said that the transaction ( s ) was processed according to the information you provided. I asked them to check camera footages but they didnt say anything. If they check cameras, they will see that i did not get any money back. ATM got my money and did not update my checking account.
Company Response:
State: FL
Zip: 32216
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Chase has refused to honor its VISA debit card fraud guarantee. A fraud claim was properly filed as XXXX XXXX XXXX charged {$590.00} for the creation of XXXX XXXX profiles and failed to create either one. Documents proving that neither XXXX profile exists are attached. The profile paid for under my name, XXXX XXXX XXXX does not exist, neither does the profile paid for under my business name, XXXX XXXX XXXX XXXX. Additionally, the E-mail message from XXXX XXXX XXXX GUARANTEEING THEIR SERVICES is attached as well. 100 % Money-Back Guarantee No proof of either page creation was provided by XXXX XXXX XXXX. After Chase temporarily provided for a {$590.00} credit when they opened the claim, they just reversed that credit without my knowledge and without notifying me. The first Chase representative lied to me and told me that XXXX XXXX XXXX provided them with proof of the published profiles. This of course, is impossible as neither profile was ever published by XXXX. When I spoke with a supervisor, XXXX who refused to provide his last name, he also lied to me and told me that I had a agreed to a four-month wait time for the services, which of course, I never agreed to. Nevertheless, roughly XXXX months have already passed and neither page has been published. While XXXX XXXX XXXX has refused to honor its GUARANTEE, Chase is supposed to honor VISAs GUARANTEE against such FRAUD. THE SERVICES PAID FOR WERE NEVER RECEIVED. CHASE IS BOUND BY VISA DEBITS CONSUMER PROTECTION GUARANTEE. The {$590.00} which was improperly reversed MUST BE CREDITED BACK TO THE ACCOUNT PER VISAS GUARANTEE. Chase may of course, chargeback {$590.00} to XXXX XXXX XXXX which has FAILED TO PROVIDE THE PURCHASED SERVICES AND REFUSED TO HONOR ITS WRITTEN GUARANTEES.
Company Response:
State: FL
Zip: 34787
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A