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: So I opened a claim on XX/XX/2023 for the amount of {$430.00} whereas I returned some products but was never refunded. On XX/XX/2023 I noticed that my account was deducted the amount and I called the bank to find on which grounds was my claim denied. The first agent I spoke to told me that the merchant policy states that it doesn't matter if I return the products or not, they have the right to not give me my refund. So, in this case, I am out of money, and the merchant ( XXXX ) gets to keep the products that I returned. I tried to explain to the agent that this made no sense and that I should be entitled to get back my money but she started shouting at me and talking over me stating that what I was saying did not matter as I should have known this would happen the moment I made the purchase then she hangs up the phone. I called back again and spoke to a supervisor who gave me a different story saying that the merchant showed them that the package weight was less than what they sent me so they are not going to give me any money at all. I tried to explain to the agent that even when I send packages XXXX or XXXX doesn't always weigh the package but she told me that they can't reopen the claim or assist me any further then proceeded to insult me in a polite way then the call ended. So now I am out of my money, this is not what I expected from Chase Bank. I will close my account pretty soon as I am sure they have violated my consumer rights. I REFUSE TO BELIEVE THAT I AM NOT ENTITLED TO MY MONEY AFTER MAKING A RETURN, THIS IS RIDICULOUS Reference # XXXX
Company Response:
State: CO
Zip: 816XX
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/2023 I opened a business account. Account # XXXX in the name of XXXX XXXX XXXX XXXX at JP Morgan Chase Bank On XX/XX/2023 I deposits a official cashier check from XXXX XXXX in the amount of XXXX they put a deposit hold on there until XX/XX/2023. On that day I went to make a withdrawal and and my card declined so I stepped into the branch and they told me my account was restricted and that they was in the process is closing my account and the reason they gave me didnt make any sense and its been almost a whole 2 months and I havent gotten this situation resolved because every time I visit the branch they give me a different reason why my account is closed and my funds are restricted I provided all necessary documentation and receipts and still they refuse to either reopen my account or send me my funds back to me. I spent countless hours on the phone talking to representatives and going back from the issuing back to chase bank to try to resolve this matter and still havent gotten anywhere I have all receipts and transactions receipts from XXXX XXXX issuing me a cashier check in the amount of XXXX to me opening business account at Chase and to me making the deposits at the branch.
Company Response:
State: IL
Zip: 60409
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: Problem using a debit or ATM card
Consumer Complaint: Fraud was made in my acct. I was not notified that a check was signed and deposited via atm and also a {$1000.00} withdraw was also made from an atm with out my approval. I usually get notifications via fraud text messages for approval. I live 1 hour 30 mins away from area atm was used.
Company Response:
State: CA
Zip: 92404
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 transaction problem
Subissue:
Consumer Complaint: My bank ( XXXX XXXX XXXX ) accidentally submitted a dispute for a charge made to the Town of XXXXXXXX XXXX ( which uses Chase as their banking institution ) totally {$190.00} on XX/XX/XXXX which I had no record of in my account. I had called XXXX XXXX XXXX XX/XX/XXXX ( as I was advised to by the Town of XXXX ) XXXX for them to make sure that it was my card that had a disputed charge since my bank never received payment back from Chase for the dispute. Chase never sent the money back from the dispute ( which they should have done whether or not it was placed incorrectly and an accident on my bank 's side ). Because they never sent the money back to XXXX XXXX XXXX, there was no evidence of a dispute being done on this charge, and it took me until XX/XX/XXXX to find out an accident had happened on XXXX 's side. If Chase had sent the money back when the dispute was filed, it would have been obvious to me that I would need to pay the XXXX of XXXX, CO again. I would like to add that the only information Chase was really willing to provide me was that a charge back was issued to them on XX/XX/XXXX and that I needed to talk to my bank to find out more information. I was treated as if I was the worst customer experience that the customer service lady had, and like I was a complete waste of time. Any small question I had was answered with, " XXXX, you need to talk to your own bank about this, '' when I was asking questions that were specific to Chase/JP Morgan in this instance and not for Canvas Credit XXXX XXXX
Company Response:
State: CO
Zip: 80015
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33614
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
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 charge {$250.00} from untied airline as I called chase bank they transferred me to the fraud department I reviewed a call on XX/XX/23 @ XXXX from chase to discuss this issue as the time on the phone was very long as the rep from chase put us on a conference call with untied Airline as the untied indicated to the chase rep there was a credit on my untied account the chase rep ask many times was credit from untied my reasonably the untied rep said no I only post to pay a {$150.00} not the other charges that was add to my account
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: In XX/XX/2023 I obtained a XXXX credit card offer through Chase bank. The offer was If I open a Chase XXXX credit card and spent {$3000.00} in a 3-month period, I will receive XXXX XXXX points or 3-day Marriott stay. The card required a {$95.00} yearly fee. I contacted chase by phone due to the fact I did not have a XXXX account and asked if I needed to set one up before I apply for the card? I was advised that Marriott would set one up for me and I did not have to worry about that. I applied for the XXXX card XXXX XXXX XXXX XXXX and was approved. I completed the tasks of making {$3000.00} in purchases and paying the {$95.00} fee. The points never showed on my statement, and I never received a XXXX account number. I contacted Chase with my concerns multiple times within the 90 days from when my card was issued. This was all recorded by phone and documented by Chase. I was advised the points would not show up until XXXX of XXXX. Chase told me I would need to wait and still did not receive a XXXX account number, and the points still never showed up on my credit card statement. I made another call to chase and again was asked to wait so they could work it out. I waited a few more weeks and still had no answers. I contacted Marriott XXXX who stated I had an account from years earlier ( XXXX XXXX ) they would place the points in. I never had an account from years earlier. I have never been a XXXX Member. The points never showed up. My wife contacted Chase and advised them we were still waiting for the points we were owed from Chase. Chase advised the points were sent to a new account number XXXX XXXX. We were advised to have the 2 accounts merged together and our points would be there in 2 weeks. When we accessed the XXXX account XXXX we observed 2 of the days had been used in XXXX of XXXX. We did not use the days and advised Marriott of the days used and advised them we wanted the days credited. Marriott stated we let someone use our account and basically said we were lying, or the person defrauded us by accessing our account. It turns out the account Chase provided to us was someone else 's account that already existed. Speaking to Marriott about the issue, we were told to contact Chase. Chase basically told us there is nothing they can do and said I was out the {$95.00}, the points I earned and the XXXX points they deposited into someone else 's account. I was advised I could not be refunded the {$95.00} and points I earned due to the fact I waited past 90 days to close the account. I was blown off over 90 days and given the run around. There is obviously a problem in the verification process because, according to Chase, my points were put into someone else 's account number XXXX. An account that belonged to another person. As stated earlier, I completed the terms of the card agreement. I paid my fees and made the required purchases. Chase gave my rewards to another person who used 2 of the days without verifying who they gave the rewards to. I should not be out the {$95.00}, earned points and rewards owed to me due to a transaction Chase Bank screwed up on. Nobody at Chae has helped me other than stating there is nothing that can be done and to politely XXXX up my losses. I am requesting Chase Bank fulfill their advertisement and provide me the rewards I earned, and the XXXX 3 day stay certificates or the cash value of the points they gave away to someone else. They basically took my credit ; my money earned and points I earned and gifted it all to another person without my consent or even knowledge. This was my property, not Chases to give away. Being a military veteran, this is how Chase treated me. This letter was also sent to Marriott XXXX and the OCC complaint department.
Company Response:
State: TX
Zip: 77493
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: The Company in question is Chase, and I have been a customer of them for over 20 years. After going out on XXXX in XX/XX/XXXX and not being released until XX/XX/XXXX, I made payments to Chase on time and as agreed. However, fast forward to today, XX/XX/XXXX, I have depleted my 401K, IRA, and my savings. Thus, my last payment to Chase was on XX/XX/XXXX as I currently have no income coming in, and I need the little that I have left to cover my doctor visits and medication for health conditions covered under the Americans with Disabilities Act ( ADA ). I called them when I received my XXXX bill, letting them know that I could not afford to make payments for the reasons I mentioned in this complaint. I have attached what they told me, and please keep in mind that they would only give me an option to settle this once I defaulted, which I believe violates the Fair Credit Reporting Act. The reason is that they wanted me to wait ( and I quote ) until I was on default to make payment arrangements ( although I was being proactive and trying to find temporary help to avoid impact to my credit, which has been immaculate ). As a result, my credit report has been negatively impacted and decreased from having an " exceptional '' credit rating to a " fair '' credit rating, as a result of Chase and their inability to work with me before default, which I believe is unfair, violates my rights under FCRA, and gives them a horrible reputation taking into account my current situation both financially and healthwise.
Company Response:
State: TX
Zip: 75062
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Making a payment through XXXX - selected Chase Credit card. The transaction is shown as a *CREDIT CARD* transaction and you are charged a {$3.00} fee ( or 3 % ) by XXXX to cover their *credit card fees*. However, CHASE then independently considers the transaction a CASH ADVANCE - charges a {$10.00} fee and then starts immediately accruing 29.9 % INTEREST! On a {$100.00} payment to a friend, I paid {$100.00} to XXXX on a documented 'Credit card ' transaction. That month I was charged {$10.00} cash advance fee + interest. The entire bill was paid off. The next month I owed more interest for the time elapsed from the bill being sent and being paid off. Total fraudulent and independent charges from Chase was {$12.00}. XXXX 's extra fee was {$3.00} ( presumably also going to chase ). So a total of {$15.00} in fees for a {$100.00} payment. This is fraud - plain and simple. I was never told, anywhere, that I was making a cash advance ( which I never, ever do with a credit card ) but instead using my CREDIT CARD ( for which I was also paying a fee UPFRONT to use! ) This practice needs stopped.
Company Response:
State: IN
Zip: 46033
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: informed them that they sent a card that wasn't applied for on XX/XX/2023. they said to call a credit agency, so that was tried and i decided to take this route after that company XXXX XXXX said to take it up with the creditor.
Company Response:
State: ME
Zip: 04210
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A