Date Received: 2023-10-24
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Closed account Outstanding Fees
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was notified that someone requested a Southwest credit card through Chase Bank, and it wasn't me. As soon as I found out, I notified the banks and credit bureaus. I was told that in order to get this resolved, I need to get a letter for you all and then send to the credit bureaus. Chase Bank has closed the account, and I will not be penalized for anything, but I will need this removed off of my credit ASAP. Thanks!
Company Response:
State: TX
Zip: 77583
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: A credit card was fraudulently attempted to be opened under my name. The bank was JP Morgan Chase. I was informed by JP Morgan Chase of the fraudulent activity on XX/XX/XXXX and the account was closed. I added a fraud alert with the 3 credit reporting agencies : XXXX XXXX, XXXX and XXXX. I need to remove the card inquiry to my credit report from this fraudulent activity because I understand the hard inquiry will adversely affect my credit score.
Company Response:
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: This company have no authorization to run my credit. I need to be removed as soon as possible
Company Response:
State: FL
Zip: 322XX
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 with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: First of all I been banking with chase for over XXXX XXXX and never had an issue I lost my wallet in XXXX and charges were made to my account that were authorized. I later found my card at home but my wallet was still missing I sent documents giving my location and time during the time of the transactions and still my information was denied. I told them my card was probably duplicated or information got taken from me. Also through the whole process has been very stressful as iam unable to fully get any help.. Iam currently waiting for the status of a police report.the uploads are pictures of me at work the same day those transactions took place .. its impossible to be at two places at once I was at work at the time and they still refuse to believe me.
Company Response:
State: FL
Zip: 33023
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I received an alert from Chase bank regarding suspicious activity. I advised them I did not enact the transaction of two wire transfers. Chase advised they would be monitoring my account more closely and my password was reset by the rep. On the morning of XX/XX/XXXX, XXXX wire transfers went through. I contacted Chase immediately and a claim was submitted and my checking account was frozen. I was told i would have to go directly to Chase bank in order to open my account so I could have access to it. I went to the bank the following morning and was told no one was available to assist me in any matter. An appointment was made the Monday of XX/XX/XXXX. At this time my checking account was changed from frozen to restricted, meaning no monies could be taken out but any credits and refunds would be accepted. A new checking account and savings account were opened. And new cards were issued for the checking account and 2 credit cards I have in the account. At this time as well the rep contacted the fraud department and this is when the rep informed me the claim was denied because they could not confirm it was fraud. The reason they claimed no fraud was because the transaction occurred in the same geographical area. What does that mean? Just because it did not occur internationally, its not considered fraud? I also mentioned that the 2 transactions on XX/XX/XXXX had referenced names and XXXX XXXX. Which had been reversed by Chase during the call on XX/XX/XXXX. The 7 seven transactions were also to XXXX XXXX and had one of the same names referenced. The rep said he would escalate this issue and I would receive an answer by Friday of that week. I called Chase on XX/XX/XXXX and was told the claim was declined again. These transactions are fraudulent and Chase will not do anything further. These transactions overdrew my checking account and since I have overdraft protection the monies were transferred from my savings account to the checking account. These transactions are on on record with Chase I have lost {$1900.00} and transfer fees of {$170.00}. Total {$2100.00} Please look in to this matter and I hope to have this resolved with the monies that should been considered as fraudulent. Thank you. XXXX XXXX
Company Response:
State: NV
Zip: 89052
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 with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Requested Proof that CHASE submitted a claim to the XXXX XXXX XXXX on XX/XX/2023 from XXXX at Chase Bank Claims. TEL : XXXX ext XXXX XXXX XXXX wrote back and said never received the claim. I need DIRECT proof so I can submit to XXXX XXXX of the proof of claim for the inquiry.
Company Response:
State: NY
Zip: 10014
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: Getting a credit card
Subissue: Application denied
Consumer Complaint: I am quite sure that Chase discriminated against me due to age in deciding not to issue a credit card to me. I applied for an Amazon Prime Visa Signature card through Chase. My FICO credit score is extremely high, in the XXXX. I have an excellent credit profile. Only XXXX credit cards issued at the time of the application, no delinquencies in the past XXXX years, and I pay off the full amount on any card on a monthly basis. Chase claims to have denied me a card based on the following, which will be seen are all pretextual : 1. " Past or present delinquent account obligations withchase. '' [ Typos in original ] I have never had a delinquent account with Chase and don't recall having an account at Chase. Moreover, I have had NO delinquent accounts in the past 7 years with any creditor, Chase or otherwise, Accordingly, this is clearly pretextual. 2. " Insufficient or no balance in Chase deposit and/or investment accounts. '' No I do not have a Chase account, but this reason seems entirely pretextual. I strongly believe that Chase provides credit cards to persons with my credit profile who do not have an account at Chase, but who are 10 years younger than me ( I am XXXX ). XXXX. " Too many revolving accts opened in 1 year compared to all revolving accounts. '' I have four revolving accounts, one of which was opened in the past year. I strongly believe that Chase provides credit cards to persons with my credit profile who opened one revolving account in the past year but who are 10 years younger than me. 4. One or more request for new credit in the past 12 months. The only request for credit in the prior 12 months was for a credit card ( approved ). I strongly believe that Chase provides credit cards to persons with my credit profile who opened one revolving account in the past year but who are 10 years younger than me. The reason that I make this complaint is that I believe that Chase is discriminating based on age not only against me, but also in its credit algorithms to unlawfully deny credit to elderly people. I think that the CFPB should investigate Chase 's practices in this regard.
Company Response:
State: WA
Zip: 980XX
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Chase has a great deal of machines that are old and they refuse to ensure that they are working correctly for the sake of the customers accounts. On XX/XX/XXXXXXXX ; I went to an atm that was completely out of the norm of the local atms that I use, because I was coming from an event. I deposited {$700.00} first into the atm to cover the negative balance that was tied to my account. I think entered my pin again and deposited {$380.00} to the account to make sure that the additional transaction that was due to hit my account would be covered. At that point I could hear the machine making noise and then I received a message that said " to be sure your deposit went through, please call XXXX XXXX ''. It also stated on the screen that this machine can not give or accept cash deposits. Immediately I called and there was no proof of my deposit on the automated service. So I called the next day to file a claim and they said that it would take 10 business days to for the investigation to be completed, because they were going to count the money in the machine. I asked to speak with a supervisor who informed me that the department that would expedite my provisional credit is closed and I would have to call back tomorrow to speak with another manage to have them to approve the credit. I had to go and take more money out of a different account to cover at least the overdrawn amount. I called back today and spoke with XXXX who is a Gen acct supervisor ; who informed me that Chase has a lock on my account and that I would probably have to wait the 10 days for my money to be released. In the meantime, I have other expenses that will be coming through the account that will be returned due to insufficient funds and would put me in a deeper bind. I received a letter this morning ( XX/XX/XXXXXXXX ) from the claims department that I didn't understand. So I called and asked to be transferred to a supervisor and was transferred to XXXX who told me that she apologize but they don't show an overage and so my claim was denied. She said that they didn't have to count the atm because they have a report and she refused to look at the camera to see me adding anything to my atm. She said that she don't have to look at it and I can't force her to look at it. She said if I want it don't then I would have to request a subpoena. I ask her if they are just going to steal my money and she blew me off saying that she apologize but there is nothing that I can do about it. I don't have additional money to put into that account and I'm running the risk of my account being closed due to being overdrawn, and I already have money tied up that they refuse to give back to me. This is my hard earned money and I don't feel like it's fair to take money that does not belong to them.
Company Response:
State: TX
Zip: 76123
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: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I was approached by XXXX XXXX in the first few days of XX/XX/XXXX. XXXX XXXX claims to be an executive recruiting firm that wanted to conduct a job search on my behalf. In their opening pitch, they stated it would cost {$8900.00} in total, with a {$100.00} deposit up front. XXXX XXXX stated that after the trial, if I chose to proceed, they would send me an agreement to review and sign. Per their Trial Period Agreement, " Two-Three '' sessions were included for free in the trial, if I chose to walk away after that, I would get the {$100.00} back. I did not walk away at this point. I did not receive or sign any agreement as well, leading me to believe I was still in the trial period -- though the deposit would no longer be refundable. I spoke to them a few more times before my son 's health took a turn for the worse. I spent the next couple weeks in numerous emergency rooms all over the state before making it back home for good. During this time, nothing had been going on with Next Level except keeping one person ( XXXX XXXX- not even a Next Level employee ) in the loop as to when I may be available next to pickup where we left off. They had emailed me the agreement on XX/XX/XXXX for the next step, requesting me to review and sign it. Knowing that I had not signed and returned the agreement, I had no indication or worries that I would be charged for anything else by this company. Unknown to me, they had charged me {$4300.00} on XXXX, 13 days before sending me the agreement to sign. They charged me {$4400.00} on XXXX totaling {$8800.00} while I was in the hospital with my son. Given his medical needs, I was no longer going to be looking for work. That night while digging into the company, I found some negative information about them online, which led me to do some more digging. What I continued to find was not calming any reservations I had about working with this company. I made my concerns aware on XX/XX/XXXX that I no longer thought this to be a legitimate business opportunity, and that I wanted a refund. This was my written notice telling them I no longer wanted to proceed, and that I would not be signing and returning the agreement. On XX/XX/XXXX, after my second attempt of reaching out, they informed me that they would not refund me. They claim that they had done everything outlined in their " list of services '' and that a signature is not required for them to charge me. To this day, I do not have their agreement due to the fact that they would only send me a copy once I signed it. On one of the attached documents you will clearly see it states " Please review and complete ... '', " review and sign '', as well as " after you sign Next Level - Services Agreement... ''. This document/email will also show where it states I will only get a copy once I sign it. I did not sign any agreement, nor did I give them permission to charge me for anything other than the {$100.00} deposit. I filed a dispute with Chase, my credit card company, and supplied ample evidence to show I was not liable for the charges. Chase has not in any way been helpful to get this resolved and continues to state that the charges are valid. Chase will not give me any information in regard to what steps a merchant must take to be able to charge my card lawfully.
Company Response:
State: MI
Zip: 488XX
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A