Date Received: 2023-10-25
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have a XXXX Credit Card . It has the benefit of upgrading my Marriott elite status to Platinum after spending {$75000.00} in a year. I have reached the spending requirement, however, Marriott has not upgraded my elite status. Chase asked me to contact Marriott. However, Marriott also asked me to contact Chase.
Company Response:
State: WA
Zip: 98103
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
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: Dear XXXX, I am writing to file a complaint regarding Chase Bank 's deliberate inaction and the prolonged XXXX phone application process to address a dispute. Today, I contacted Chase Bank by phone to initiate a dispute. This dispute arose because, after receiving an item, I found that it did not justify its price. Consequently, I requested the seller to provide a free return label for a refund, as per their " Free Return '' policy for after-sales service. However, the seller and XXXX failed to honor this policy and only provided an address, requiring me to cover the return shipping costs. As a result, I sought my bank 's assistance to take action against this dishonest seller and XXXX. Reference Number : XXXX ( optional ) : XXXX I spent over XXXX minutes on the phone, and the application process was not completed. It appeared that the bank intentionally prolonged the process, and in the end, they even pretended to disconnect the call without offering a callback. I find this unprofessional behavior on the part of Chase Bank to be a dereliction of duty. I sincerely hope that this matter will be taken seriously. Sincerely, XXXX XXXX
Company Response:
State: TX
Zip: 78626
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I mobile deposited a check for {$40000.00} into my primary Chase checking account ( which also has my wife 's name as a co-owner of the account ). My mobile deposit limit is {$75000.00}. The check was written on my wife 's account at XXXX XXXX XXXX. I received instant confirmation that the check had been accepted but none of the amount was immediately available. ( I did not object to a short delay. ) Within 48 hours the money was pulled from my wife 's account and I received notification that there was an " extended '' hold on the funds until XX/XX/XXXX. Since XX/XX/XXXX, the money has been in limbo ; not in my wife 's account, not in our joint account. There was no explanation from Chase as to why they placed an " extended hold '' on my funds and in fact, I received no communication at all from them. On XX/XX/XXXX I contacted Chase online about the ridiculous hold and they directed me to the " fraud '' department. Today I called the fraud department and inquired as to why there was a hold. They refuesed to answer with anything more than " policy ''. No explanation of what that policy is or why it was invoked in this situation. Moreover, I asked where the money was since it was neither in my wife 's account or our joint account. They again refused to answer. I was then asked what the purpose of the check was. I advised that was none of their business. After being on hold for XXXX minutes, Chase advised they had called XXXX XXXX XXXX and confirmed the check and had released the funds to our joint Chase account. There was literally NO reasonable explanation offered for why the extended hold was placed, or where the money was ( we know of course Chase had the money and was enjoying an interest free loan of {$40000.00} ). This was a remarkably insensitive " it's just our policy '' explanation and ignored the fact they were clearly illegally denying me access to my funds. As the " customer service '' fraud agent proudly congratulated himself on getting my money released ... ..I asked ... .since it was that simple, why didn't you do this 7 days ago rather than deny me my funds? No answer. This just can not be allowed to continue as a business practice.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I was laid off on XX/XX/XXXX, and my employer issued me two final paychecks. To my dismay, Chase Bank, without any notice, closed my account and placed a hold on these checks ( amt {$6200.00} ). Upon discovering the missing amount in the final check, I contacted Chase Bank to inquire about the issue. I learned that they needed to verify a few things with my employer. They requested a verified number for my employer. Despite providing them with my company 's number ( XXXX ), they claimed it was not verified, even though it is a verified number and related to XXXX XXXX, my former employer. To further support my case, my company provided a letter signed by our CFO, confirming the validity of the checks and their good standing with me ( see attached letter and refer to checks # XXXX and # XXXX ). I submitted this letter to the branch manager during my visit on XX/XX/, but unfortunately, I received no response. Subsequent attempts to communicate through emails, phone calls, and voicemails have also gone unanswered. Furthermore, my company attempted to recall the funds, but Chase Bank has not released the money to them either. This situation has caused me significant financial losses and immense stress, considering it has been more than two months since I was laid off, and I still haven't received my rightful payment. I kindly request your urgent intervention to resolve this matter promptly. Your assistance in releasing the held funds and providing a swift resolution to this issue would be greatly appreciated.
Company Response:
State: CA
Zip: 95054
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
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/2023, I came to XXXX in XXXX to place special pick up order for XXXX boxes of Laminate flooring which total amount is {$110.00}. When I inserted Chase credit card ending XXXX, terminal prompted me to take the card out but no receipt was printed, XXXX associate told me the transaction did not go through ( fail transaction but Chase still charged me on statement ) so he requested me to inserted the card again. I did second time and this time terminal prompted " Approved '' and his system printed receipt and confirmation ( Kindly see # Order Placing receipt ). I did not notice that Chase charge me twice for same amount. On XX/XX/2023, I came to pick the order at same XXXX location, I examined the order and saw all of XXXX boxes are damaged completely. I told them these product are unusable so just cancelled this order and refund for me. They agreed and refund me the amount {$110.00} on XX/XX/2023 ( Photo Return Receipt ). This is the only refund by XXXX because the products was damaged. However Chase still billed me for the first failure transaction. Chase or XXXX never refund me either. When I saw the charged never been refund. I called Chase to open disputed on XX/XX/XXXX, I explained whole story to Chase representative and I need Chase refund me the amount for the transaction never been completed but still charged me. I received the letter ( Claim ID XXXX ) to inform that they have been searching dispute and given me temporary credit ( The fact is they did not provide any credit at that time # XX/XX/XXXX Open Dispute ). Then I received another letter saying that they resolved my dispute and they credited me full disputed dollar amount ( The fact I never have those credit # XX/XX/XXXX Close Dispute ). I called Chase again and explained this situation again. Another Chase Associate apologized me and said she will open dispute again and promised me this issue will be fixed and she put temporary credit in my account ( Yes only this time ). On XX/XX/XXXX, I received a letter from Chase Specialist name XXXX. The letter requested me to explain the details again and she attached sale receipt and Refund receipt. I responded her that those receipts she provided me the same which I have and they are complete transaction with me and XXXX, I need refund of the fail transaction that Chase still charged me. I said if XXXX already refund me the uncompleted transaction so please so me the evident. On XX/XX/XXXX, XXXX sent me the letter stated that she reviewed my dispute and saw I have two credits for the same dispute amount and she removed and refilled same amount {$110.00}. This is completely wrong. The refund on XX/XX/XXXX is because I cancelled the order because the order was damaged and XXXX need to fix the issue is refund me. I disputed the charged of fail transaction. Those are different. She was intent on not to fix the wrong charge. I was so angry and came to talk to one of XXXX managers at that location. I talked to the lady name XXXX XXXX XXXX, she is an Operations Assistant Manager, her phone number is XXXX. She searched on her system and found only one charged and has been refund on XX/XX/XXXX which is the return made by me. There is no record of charge of fail transaction. She explained that the first transaction was a pending transaction and due to system error, it became a dropped sale. She wrote those statement for me ( # dropped sale ). She said the only way is called Chase to dispute this one because this is Chase system error and Chase need to fixed this issue. I called Chase again, again another person understood my issue and said all of previous representative opened wrong dispute, they should choose the first transaction. Another apologized and another promised that the problem will be fixed ( CLAIM ID : XXXX ). She said that was Chase error and she would get permanent credit and promised this will be the last call on XX/XX/XXXX. She put very details and repeated what she entered in the note. And said she will applied me temporary credit ( The fact is not temporary credit has been posted ). I called back to Chase on XXXX to get status of the dispute. Another Chase Representative name XXXX confirmed me first approval is done and waiting for the second approval for the permanent credit. No response from Chase, I called again on XX/XX/XXXX and requested to speak to supervisor. She confirmed that she understood I am expecting the refund for wrong charge from Chase and the case was closed wrongly. Another apology. She continue opened the case again ( CLAIM ID : XXXX ) and applied a temporary credit for me. I received a mail from Chase on XX/XX/XXXX said case closed on my favor and again they still assumed the the refund on XX/XX/XXXX is the refund I am disputing and remove temporary credit on XX/XX/XXXX. Chase never intent not to fixed their problem, and refuse to understand customer 's explanation. Even every representative said they do understand my concern but those people who actual worked on my case never put them on my situation. They are afraid to fix their problem but want get free money from customer. XX/XX/XXXX, I called the last time and told them I will file complaint with government agency that Chase refused to resolve my problem but get free money for their error system. The representative told me that I was blocked to open any dispute in future. Wow Chase blocked me to open dispute because I am going to file complain to Federal Government.
Company Response:
State: TX
Zip: 75074
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had called because I have been fraudulently being charged interest rate by this bank. I have a XXXX balance and paid in full my credit card and they were still charging me for interest. I called and I asked to speak to a Manager several times and they said a Manager would call in 24-48 hours. It's been a month and no one has called. Interestingly I noticed on my other credit card they are charging me fraudulent interest fees. I had paid off my credit card in XXXX and still being charged the interest fees. These are credit cards ending in XXXX and XXXX. I had called XXXX from my Chase Bank at XXXX XXXX XXXX XXXX XXXX. XXXX, AZ XXXX and she never verified me and ran off my personal information when I called in last month. I was disturbed that she ran off my personal account information without verifying who I was. She provided her boss XXXX XXXX 's contact XXXX. He said he would call me back and it's been a month. I've left him XXXX messages he never called me back. He has been extremely horrible. I called back today XX/XX/XXXX and XXXX answered and I told her that I need to speak to a Manager that would call me back and she said XXXX 's only the person. I told her I've left numerous messages and he doesn't call back. When I told her that I am so upset and will finally file a complaint she said well I guess I will hang up on you now then and she actually did. She needs to be reprimanded.
Company Response:
State: AZ
Zip: 85255
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I initially called because I have been fraudulently charged interest rate fees by this bank. I have a XXXX balance and paid in full my credit card and they were still charging me for interest. I called and I asked to speak to a Manager several times and they said a Manager would call in 24-48 hours. It's been a month and no one has called. I called my bank for my account information and XXXX from Chase Bank at XXXX XXXX XXXX XXXX XXXX. XXXX, AZ XXXX and she never verified me and ran off my personal information when I called in last month. It is very disturbing that she ran off my banking account information which also included my credit card information without verifying who I was. I just gave her my name and she didn't verify my address or anything and provided my info. I asked her if she had the correct person and she said yes. What's concerning is that provided my credit card number and info without verifying me. I asked to speak to the Regional Manager and She provided her boss XXXX XXXX 's contact XXXX. He said he would call me back and it's been a month and he has never called back and I've left him 10 messages. I don't know if Chase Bank knows their employees do not call back and they provide personal information without verifying the customer. This has been a horrible and extremely unprofessional experience so I called back today XX/XX/23 and XXXX answered again and I told her that I need to speak to a Manager and she said XXXX 's the only person. I told her I've left numerous messages and he doesn't call back. When I told her that I am so upset and will finally file a complaint she said well I guess do what you want to do and she actually hang up on me. She also said XXXX 's been with the company for over 20 years so he's not going anywhere and she said so has she.
Company Response:
State: AZ
Zip: 85255
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XXXX line of credit, fixed. Paid off., closed account, claims I owe XXXX more dollars, I disputed, three different times, each time, they. They claim they fixed. Said they had issues with computer glitches,., Then time went by and they started sending me, this request again. I do not owe XXXX from a XXXX credit limit XXXX.Paid off., which means they move the goal post, so they can get more money from us.I reported to credit XXXX, etc XXXX Harassment stoped for awhile, now they started back again
Company Response:
State: IN
Zip: 46254
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: on XX/XX/2023, i went into my local Chase Branch ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) after applying online for a checking account ( I finally applied after receiving nurmerous emails for an offer for {$300.00} in checking and {$200.00} in saving ). After applying online I was told in an email, to arrive to my local branch for identity verification. When i arrived to the local branch, i brought my identification and my coupon offer, and met with XXXX ( Banker ) who assisted me with opening my account! XXXX reassured me, that i would receive my offer! The account opening process went ( for what i thought was smooth ) and i left chase bank with a smile as a new customer! Well a few weeks passed and i noticed something was off, so i called the customer service line, only to be told that my local branch only applied the saving account bonus portion of the coupon! Well, i knew that couldnt be true because before i left, XXXX went over the terms and agreement and showed me where my coupon was applied! and I not only opened up a checking account but i was told from XXXX that i must open up a savings account as well to get both of the offers, so i proceeded to go back and forth with the customer support agent, untill I was transferred over to a supervisor who told me, that my local branch manager was the one who can fix the mistake! I immediately went to the local branch the next morning, a teller assisted me, because the branch manager was on lunch and she also reassured me that it was a mistake on there part, and she wrote down my information and the coupon code and told me she would pass that information over. After not hearing anything, i called the customer service support line again, to see if the coupon had been applied correctly and was met with a rude customer support agent that pretty much told me that it was my problem and im out of luck! So i then called my local branch again only to be told to " email the branch manager the coupon '' and she would get back to me! Well i did, and i still havent heard anything back! Im assuming chase has no plans to hold there side of the bargain, i felt like i was baited and switched!
Company Response:
State: IL
Zip: 61103
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: got hired by a company in XXXX that turned out to be fake thru likedin XX/XX/XXXX got a message from a hiring manger by a company nexwafe in XXXX talked with her for almost 3 hr on teams about the job she hired me and said that on Friday XX/XX/XXXX i would receive 2 checks to bring to my bank and it would be for the remote work material such as computers desk chair etc. received two checks from XXXX, check amount was XXXX $ total. XX/XX/XXXX funds were available for me to use. XX/XX/XXXX XXXX $ was sent to a person here in Texas to get me materials for work XX/XX/XXXX was instructed by the manger to do a wire transfer XXXX $ wire transfer was fine went thru XX/XX/XXXX after XXXX my time here i only only got an email from chase bank, no calls from them no alerts from them that the checks have bounced back and even my own money that i had in there was gone too called chase immediately. was on the phone with them for 4 hours, talked with 7 people, everyone was rude, mean to me, yelled at me and said all this is my fault. they told me to go into a local branch next day. XX/XX/XXXX went to a local branch, manger there could not help me at all and said that these things happen all the time to people
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A