Date Received: 2023-10-25
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX, I submitted a credit card dispute with Chase because a company, XXXX XXXX, I worked with did not provide the {$400.00} prepaid race car experience. I waited XXXX weeks to file the complaint as I tried to work with the company for them to refund my money. When I arrived at the event in XXXX XXXX, XXXX XXXX XXXX refused to let me participate. I was told my current driver 's license needed to be issued at least 12 months ago. XXXX XXXX only told me I needed a license for at least 12 months. Ive had a valid license since XXXX and despite my questions about safety and requirements, no one ever said the document needed to have an issue date at least 12 months prior. Chase acknowledged receiving my complaint. I did not hear anything further until at least XX/XX/XXXX when I received a letter saying my dispute was denied. On XX/XX/XXXX, I called Chase to inquire why it was rejected. Your representative told me Chase needed more information from me and could not reach me, so it was denied. I have trouble believing Chase tried to reach me and couldnt because I get emails from Chase daily. I also get messages through my account on Chase.com but never received anything from Chase ; you can see no messages were sent. The representative asked me a couple of questions and told me to resubmit my claim, which I did on XX/XX/XXXX. Again, Chase acknowledged receipt of my complaint. On XX/XX/XXXX, another rejection letter was sent. I did not receive it until XX/XX/XXXX because I was out of the country. I called Chase on XX/XX/XXXX and no one could explain why my claim was rejected. I called again on XX/XX/XXXX and one more time on XX/XX/XXXX. I was finally told the claim was denied because it had been too long since the event ( XX/XX/XXXX ) was scheduled. I am trying to remember if it was 90 days, 105 days or 120 days but the deadline had passed. I was shocked since, after doing the math, I was notified about the rejection after the deadline had passed. Chase claims to have fought and fought for me but never contacted me. Once they did, the deadline for an arbitrator had already passed. Chase dropped the ball and let the merchant drag out the process until time ran out. My credit card ends with XXXX and is owed {$400.00}, which I will not pay. In late XXXX, I finally spoke to a customer service representative who admitted repeated mistakes on Chases behalf. He informed me Chase repeatedly withheld the truth and at times lied. He told me XXXX XXXX rejected the claim due to their terms of service. XXXX XXXX offered me a credit which isnt acceptable to me because Ill never use them again. This customer service representative said as soon as Chase heard that my claim was rejected. He also told me that Chase tried calling me once but the call did not go through. It didnt ring or have a busy signal, the call never connected and they never tried again. He admitted the next time Chase tried to contact me was after the appeal deadline! If this lack of customer service was not bad enough, on XX/XX/XXXX, I converted XXXX into {$3100.00} cash back. I chose to have Chase transfer the money into my business checking account ending in XXXX. I called Chase when the funds hadnt been deposited by XX/XX/XXXX. I was told the money was transferred into an account ending with XXXX ; I dont have an account ending with XXXX! My money was transferred into someone elses account! Fortunately, it was transferred into a family members account. However, I dont have access to this persons account and its not connected with my online Chase profile. I have no clue how Chase/Ultimate Rewards made this mistake. From my phone calls, no one at Chase knows how this happened either! The lack of customer service, support and communication has failed at every turn. Chase, an FDIC member, lied to a customer repeatedly and intentionally over months!
Company Response:
State: NY
Zip: 10001
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: ( XXXX # XXXX XXXX XXXX XXXX ( XXXX ) XXXX ) To protect your account, your card is temporarily disabled. RFL XXXX XXXX I dont have a Chase credit card.
Company Response:
State: IN
Zip: 466XX
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: Applying for a mortgage or refinancing an existing mortgage
Subissue: Trying to communicate with the company to fix an issue with the application process
Consumer Complaint: I have been trying to find out what happened to my property ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Investment No. XXXX that I purchased on XX/XX/XXXX for {$1000.00} at 12 % fixed rate and matured on XX/XX/XXXX with a XXXX value of {$630000.00} and a PAR value of {>= $1,000,000}. Please see the attached correspondence that provides a timeline of the research I have performed.
Company Response:
State: TX
Zip: 77082
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I made a payment on XX/XX/2023 that was due on XX/XX/XXXX. Right now my account shows passed due payment and requests doh or payment. I have called many times but their system is down and agents keep hanging up on me without any information. This is unacceptable.
Company Response:
State: CA
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: They received a {$970.00} check in my account that was closed which was from social security I have talked to representative after representative after representative and they told me that a check was supposed to be sent to me in a cashier 's check for {$970.00} it is my social security check I have not received no check whatsoever and I'm repeatedly being told that I have to wait XXXX business days for the receive the check now it's been over 10 days so they canceled the check and reassured me another check still no check then they canceled it again and sent me another check no check whatsoever I am fed up with it I have repeatedly told them I will be taking further actions against them and I am in the process of contacting social security to let them know what's going on and I am fed up I am angry I've been treated unfairly and on top of it I'm pretty sure the bank is racially profiling me which is a big ordeal I have never done anything wrong to anybody and I'm getting profiled I'm getting disrespected on top of getting discriminated against
Company Response:
State: TX
Zip: 770XX
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: Hello, my account was closed months ago but I have never received a check for the remaining funds. Regards,
Company Response:
State: FL
Zip: 33130
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to complain to JPMCB AUTO about the reported unauthorized inquiry on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX, and my social security number is XXXX. The FTC report number related with this complaint is XXXX .I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Company Response:
State: IL
Zip: 605XX
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: Company closed your account
Consumer Complaint: My personal chase checking account and join account closed, after few days my business account closed too! I spend many hour called them! They said because of the check they cant verify., and I spend few hour already verify the check, they still closed my business account too! Im so sick of those bank right now! They dont give me any reason Please help me with my business account as well! I think I did not do anything wrong Please help me
Company Response:
State: GA
Zip: 30318
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: Fraud or scam
Subissue:
Consumer Complaint: We supplied Coffee to our Client Via LC DOCUMENTS- IRREVOCABLE LC REF NO XXXX AND XXXX And the Bank Received all the Documents Including Original Bill of Lading Later we were issued with Payment XXXX and when we went to our Bank we were informed that those Payment XXXX were not Authentic
Company Response:
State:
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: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Imagine you have ( for example ) XXXX reward points associated with your JPMNChase credit card, and you want to transfer them to a travel partner of Chases, such as XXXX or XXXX. You cant, unless you shell out for a {$95.00} per year travel card like their XXXX card. My complaint is that this is the practice in effect for the Chase Freedom Unlimited card. They should either loosen that restriction, or remove the false promises of Freedom and Unlimited from the name of the card.
Company Response:
State: DC
Zip: 20003
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A