Date Received: 2023-10-23
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: Hello, my name is XXXX and I am in desperate need of your help. I have been trying to get my auto title to my XXXX XXXX XXXX for over 30 days from Chase XXXX. I paid the car off the first week of XX/XX/XXXX and I was told it would take XXXX to 10 days to receive my title. It even states this on their website. I have called in around XXXX to XXXX times just this past week, ( not counting the times I've called in since XXXX ), trying to get this resolved and have spoken to over a half dozen people. I have been given their account supervisor phone number of XXXX. All I am getting is the run around and no one is helping. I need my title and bill of sale and they just are not sending it to me. The document they said they have sent for my bill of sale and only for my bill of sale are not, indeed, a bill of sale by any means. I will attach that as a reference. Please help me get my vehicle title for the car that I paid off.
Company Response:
State: WY
Zip: 82009
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/XXXX XX/XX/XXXX Claim reversal : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ClaimId : XXXX {$50.00} XX/XX/XXXX Reversal : XXXX XXXX XXXX XXXX XX/XX/XXXX ClaimId : XXXX {$45.00} and Reversal : XXXX XXXX XXXX XXXX XX/XX/XXXX ClaimId : XXXX {$30.00} XX/XX/XXXX Claim reversal : XXXX XXXX XXXX XXXX XX/XX/XXXX ClaimId : XXXX {$200.00} All these transactions were fraudulent yet they were reversed?
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have a Chase Premier Plus Checking account since XXXX. On XXXX, I noticed two ( 2 ) {$25.00} fees were charged to my account on XX/XX/XXXX and XX/XX/XXXX, respectively. I don't know what these charges are, so I contacted Chase online and according to their explanation, it's called the service fee when my balance falls below {$15000.00}. I was extremely surprised by their explanation. I started to review my past 20 months ' statements, there were three months in XXXX the balance fell below {$15000.00}, and I wasn't charged for such fee. They failed to explain why I wasn't charged in XXXX. I was finally refunded {$25.00} for XXXX, but they won't refund the {$25.00} in XXXX. They stated the refund can only happen once a year. Since I don't want to keep track of my account balance, so they suggest that I convert my current account ( which is called XXXX XXXX ) to a Total Checking account. ( See Attach. CFPB I ) According to them, the Total checking account also has a monthly fee of {$12.00}, but if I have direct deposits set up ( which I already had ) then the fee will be waived. They also suggested that I go to a branch to speed things up. The communication was on XX/XX/XXXX. ( See Attach. CFPB II ) I went to a Chase branch on XX/XX/XXXX, ( See Attach. CFPB III ) only to find out my account has already been converted to, not a Total Checking, but a " Secure banking '' account. ( See Attach. CFPB IV ). I was totally shocked. It must be magic that my account turned itself from one to another within 24 hours without me knowing it, or was it Chase that did the magic without my consent? The nightmare has just begun. We started the back-and-forth email communications since XX/XX/XXXX regarding the problem. They kept telling me their research team is working on it and will get back to me as soon as there's a solution. On XX/XX/XXXX, their research team sent me an email, claiming theyre trying to reach me. I called their number, only to find out my case ( XXXX XXXX. XXXX ) was closed. They told me the reason why they closed the case is because they are unable to fix the problem. It's that simple. That took them almost 14 days just to tell me so. They then opened a new case on XX/XX/XXXX because I was so upset on the phone. The new case number is XXXX, for the same reason. This time it only took them two days to get back to me. XXXX from their research team told me Chase is unable to fix the problem. He did not elaborate details about how the problem occurred. He did mention they have contacted the Tech Department to see if this can be fixed. He offered to reimburse the {$25.00} service fee from XXXX, XXXX. He also suggested that I open a new account and close the current account to avoid monthly fee ( yes, this Secure Banking account charges {$4.00} monthly and it's a flat fee ). I finally realized that Chase is not going to fix the issue, either they cant, or they dont want to. ( See Attach. CFPB V ) After the phone call, I decided to close the account. Before I can do so, I have to inform, change, switch, update every single financial account I have that was linked to this Chase account number. I have most of my accounts changed but for the direct deposit accounts with Social Security, I was informed NOT to close my current account until the direct deposit goes into the new account. It took them more than two months to process my request. As you can imagine, Chase started to charge me the {$4.00} monthly fee, before I can officially close the account. My refund request was denied twice, on XX/XX/XXXX and XX/XX/XXXX, respectively, for the same reason ( one refund per year ). They failed to realize this is not a courtesy refund request, its a reimbursement request. This Chase account was opened twenty years ago, along with a home loan account. All my financial stuff linked to it in the past twenty years, include but not limited to the direct deposits, savings bonds, retirement funds, stocks and else. One error from their end has caused me numerous headaches and endless hassles. Instead of fixing the problem, they continue to create more problem such as the service fees. I am angry and have completely lost trust with Chase. How does a problem like this happen in the largest bank in the United States? Computer doesnt make mistake itself, unless it was instructed by human who operates it, or a faulty software. I wonder which one is the culprit. Here are several things I want answers : 1. An explanation to how the problem happened. 2. Why is the problem not fixable? 3. Reimburse any monthly fee ( s ) charged, before I can close my account. 4. An official apology for all the inconveniences that have caused.
Company Response:
State: CA
Zip: 92883
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I have been a Chase customer for almost 10 years. My activity with them has always been incredibly normal and transparent. On XX/XX/2023, my account was restricted and I was asked to call the bank. After I called, they mentioned ( in a recorded line ), that they had decided not to continue doing business with me, that my account would be closed within 10 days, and that my funds would get to me through a check 10 business days after that. They mentioned that they would not state any reason for my account closure, but that I had done nothing wrong. I waited for weeks and had been calling to see where my funds where, but nobody could ever give me a definite answer. This wait has caused immense financial strain and mental anguish, as I have run behind on car payments, credit card payments, medical bills, and all of my everyday expenses. Finally, I decided to open an investigation through the Chase Executive Office last week. As I called today ( XX/XX/2023 ), I was now given an entirely different version. They said that my account is being investigated but they could provide no details, no timeframes, and no reason for the investigation. This is absolutely surprising for me, as I am a business professional who has a W2 XXXX job and a small venture creating product unboxing videos. All of my activity is absolutely clear. Now, I have {$10000.00} retained, which represent all of my savings, and have been put to incredible financial strain due to this. I definitely do not deserve this treatment and I am asking for a prompt resolution to my situation from Chase.
Company Response:
State: FL
Zip: 32828
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: A credit car was opened using my credentials through chase and was left unpaid not the balance is on my account and credit report.
Company Response:
State: IL
Zip: 60073
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: On multiple occasions, my Chase checking account has been double charged with XXXX after XXXX have already transacted my account. I feel Chase is the culprit of the second charge.
Company Response:
State: AZ
Zip: 85040
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was informed by XXXX credit reporting agency that a credit check had been requested. Our credit score was negatively effected by this request. I did not authorize this action and made no application for credit. This inquiry was made by J.P.Morgan Chase, XXXX XXXX XXXX, XXXX. XXXX, New York XXXX. Our home bank is Chase Bank in XXXX. To our knowledge we have not had any interaction with the New York Bank. This led us to fear this inquiry may have been initiated by a fraudulent attempt to use our information to obtain a credit card or some other financial service. We inquired with our home bank and were told they had no information that would indicate Chase had asked for the report and were told to call XXXX. After very long delays on the phone XXXX told us we had to call Chase. We attempted to reconnect with Chase bank but were unable to because of the very long delays and lack of response. Remedy - Chase bank needs to communicate with us regarding this unauthorized request and remove this negative item from our credit report.
Company Response:
State: MI
Zip: 49085
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have opened dispute with Chase regarding being scammed on XXXX. They did not ask me any proof although I repeatedly offered to provide it. They called me once at XXXX XXXX knowing I'm on XXXX XXXX and did not leave any information I called back and the rep was unprofessional and had no idea what I received call about because " the other rep did not leave notes in the file '' and then few days later my claims were denied. I had no chance to provide proofs of being scammed over {$400.00} and chase provided zero service to recover and did not even try. This is absolutely absurd. Unfortunately this isn't even a first time. Not one claim I ever opened with them was approved.
Company Response:
State: WA
Zip: 99163
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My message to them after they denied my victim claim. It explaind again to anothet fraud office there what happened. -- -- I received your message today that you intend to close the new checking account because of the horrendous fraud committed on the old account 3 days ago. I was a victim of this performed by a national crime ring. I called the XXXX XXXX XXXX XXXX XXXX XXXX that is on the stolen checks that were deposited into my account. The company representative said they get roughly 30 calls per day on this scam. She said one lady was scammed out of {$30000.00}. These people are obviously professionals. My part was applying for a loan online and followed instructions to get what I needed. I played no part in the fraud on purpose. If you look at those check deposits you will see the signatures are not mine. They were stolen, pictures taken, deposited online and Chase honored them. I did nothing wrong to warrant being held responsible for this fraud. I paid out 2 bills in the morning before you restricted the XXXX account. I did try to stop the XXXX payment of {$120.00}, but she refunded it instead of canceling it. That should be coming back into my account and I need that back to pay my phone bill as I am unemployed and have been for 9 months! Also coming in to that account on XX/XX/23, is my Social Security check that covers my rent and car payment. Please allow the XXXX account to remain open to receive that check and I will come in a get it that morning, and then you can close that account. I called SSA yesterday, but she said they need at least 2 weeks notice for the system to make a change in a direct deposit completion. If you close that account it will be kicked back, and my rent and car payment will be seriously delinquent. I can not afford that. Please work with me on this. I didn't commit this fraud, I am an XXXX XXXX, and I need Chase 's help with this. Thank you. XX/XX/23 They have informed me tat they are closing both accounts and will take my SS check on XX/XX/XXXX. This is wrong! These scammers are pros and I am NOT a professional victim. The rep said to today that is I don't pay it back they will press charges eventually. I am a XXXX, and have NO marks on my records at all. I do not deserve this.
Company Response:
State: IL
Zip: 60031
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
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 booked a rental vehicle from XXXX and prepaid a total of {$2300.00} via Chase Travel using Chase card ending XXXX ; I used a combination of credit and points. Upon returning above vehicle to merchant on XX/XX/XXXX I was once again charged {$2400.00} on Chase card ending in XXXX. I've disputed these charges twice ( XX/XX/XXXX and XX/XX/XXXX ) via Chase requesting a refund to one of my cards as I only rented 1 vehicle with the same confirmation # XXXX. I've reached out to the merchant via phone on 3 occasions ( XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX ), representatives have verbally acknowledged the XXXX distinct charges and have elevated the matter for said reservation, however an adjustment has not been made after approximately 2 months of me seeking to resolve. I have receipts and account transaction records that I am able to pull via chase.com and XXXX. I have requested on XX/XX/XXXX and XX/XX/XXXX to XXXX via representative on the phone to provide me with itemized receipt and payments received by me including third parties- they stated they sent me an email but I have yet to receive any correspondence. Chase claims representatives were also contacted on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX, Chase representatives opened claims and I uploaded all supporting documents. Chase representative on XX/XX/XXXX stated that XXXX makes the decision to decline or approve disputes, so I would need to contact them. On XX/XX/XXXX I filed an online inquiry on the XXXX site and I immediately received a response stating that the financial institution is responsible for addressing disputes with the cardholder. The XXXX receipt issued on XX/XX/XXXX demonstrates that I did not incur additional fees that would equal over {$2000.00} and does not acknowledge the previous XX/XX/XXXX booking made through Chase Travel. I did not authorize additional services nor coverage, and I returned said vehicle with a full tank of gas, all of which XXXX can verify with their issued receipt. Chase is now acknowledging the charges that were made by the merchant and are deeming my third party booking through Chase Travel as non-refundable in credit and points I earned along the years.
Company Response:
State: IL
Zip: 60612
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A