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: RE : Transaction Date XX/XX/2023 Merchant name : XXXXXXXX XXXX in the amount of {$410.00} Chase website does not allow me to open a dispute against aforementioned merchant in aforementioned amount, therefore I called Chase on XX/XX/2023 to open dispute against aforementioned merchant in the aforementioned amount. Chase Representative additionally refused to let me open a dispute on aforementioned transaction but promised an investigation will happen to ask merchant to refund my account. No more than 30 minutes after this phone call I received an emailed letter from chase stating we resolved your dispute. However, nothing was resolved, nothing was refunded, What a farce and a Sham. Chase did nothing to resolve my dispute, chase refused to open a dispute and you refused to let me upload supporting documentation.
Company Response:
State: NY
Zip: 111XX
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 purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: RE : Transaction Date XX/XX/2023 Merchant name : XXXX XXXX in the amount of {$410.00} Chase website does not allow me to open a dispute against aforementioned merchant in aforementioned amount, therefore I called Chase on XX/XX/2023 to open dispute against aforementioned merchant in the aforementioned amount. Chase Representative additionally refused to let me open a dispute on aforementioned transaction but promised an investigation will happen to ask merchant to refund my account. No more than XXXX minutes after this phone call I received an emailed letter from chase stating we resolved your dispute. However, nothing was resolved, nothing was refunded, What a farce and a Sham. Chase did nothing to resolve my dispute, chase refused to open a dispute and you refused to let me upload supporting documentation.
Company Response:
State: NY
Zip: 111XX
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 purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In the fall of XXXX, I let someone use my credit card for some purchases. In either late XXXX or early XXXX of XXXX, I then changed my credit card account number with Chase so that this other person would no longer have access to my account. During the call with that representative, I expressly stated that my intent was to prevent this other person from being able to access my card. Fast forward to XXXX, XXXX when {$8500.00} dollars in charges that I did not make were made to my new account. It turns out that the other person who used my card last year had made payments using XXXX XXXX. Without any way of me knowing ( or taking any interest in informing me when I changed my credit card account number last year ), Chase automatically updated that XXXX XXXX account with my new account number. Chase tells me that it is all my debt, even though they are the ones who enabled the other person to make the charges in XXXX of XXXX. Chase could not have been a more effective accomplice to helping this other person rip me off.
Company Response:
State: CA
Zip: 95035
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: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: Unauthorized Hard inquiries have been showing up on my bureau reports without my written authorizationXXXX XXXX XXXX JP Morgan Chase, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are all companies that I did not authorize to pull a hard inquiry from the credit bureaus. The pre-qualifications were said to be 'soft inquiries '. There were no actual applications authorized. The soft inquiry from XXXX XXXX prequalification for an auto was authorized for XXXX ONE time, not 3 times and not to share information or private data with the other two credit bureaus at all. I have asked several time for all to be removed to no avail.
Company Response:
State: CA
Zip: 90680
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have carefully reviewed my credit report in XXXX. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. JPMCB - CARD SERVICE XXXX
Company Response:
State: NY
Zip: 11570
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: Other problem
Consumer Complaint: Chase Sapphire Reserve travel insurance is not honoring their travel insurance benefit. We had a trip planned to XXXX and were about to leave on XX/XX/ when my father collapsed at the airport and was rushed to the ER. He was traveling with my wife and I. We missed our flight which was required to reach our cruise on XXXX Due to his medical diagnosis he was unable to travel out of the country ( letter from Dr and discharge papers from hospital provided ). We had to stay and take care of him. I submitted a covered claim on XX/XX/ for {$19000.00} ( the total cost of the XXXX cruise for my wife and I ). The claim # is XXXX. I have had to upload the same XXXX travel cancellation document 4 times before they finally accepted it, but now we are once again back to them not understanding that XXXX did not provide any travel credits or refunds even after accepting the document. Apparently since the claim is over {$10000.00} someone at Chase has to approve it, but they can't find the " Travel ID '' number. No one can tell me what that is or why what I have provided does not already include that. I have provided birth certificates, marriage licenses, bank statements, proof of cancellation direction from the common carrier, medical discharge statements , Dr XXXX notes, invoices from XXXX, Itinerary, and the ticket contract for XXXX Note that this travel was not booked through Chase Travel, but directly through XXXX using my Chase Sapphire Reserve card.
Company Response:
State: GA
Zip: 30114
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: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 I filed a claim with chase bank due to me being in the hospital during the time of the charges and a caregiver using my card unauthorized for {$640.00}, {$500.00}, {$270.00}, {$230.00} and {$600.00} I provided the bank with documentation and proof of my hospitalization and my claim was denied due to my caregiver knowing my PIN number even though I never have it to her
Company Response:
State: MI
Zip: 48075
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023, I received a mail from Chase requesting additional documents to verify my business within a XXXX timeframe, as Chase stipulated was required by federal law. I complied by faxing the required documents on XX/XX/2023 as attached, and confirmed receipt with a representative named XXXX on the same day. However, on XX/XX/2023, I received the attached email from Chase Lending Services, again asking for the same documents within 14 days. I immediately called and spoke to XXXX XXXX XXXX, who directed me to submit the information via XXXX via the attached email, which I did promptly. I also received the attached email confirmation stating that my documents were received and that I would hear back within XXXX weeks. On XX/XX/2023, I received the attached letter dated XX/XX/XXXX, confirming my account was verified and open. To my surprise, upon checking my credit card account on XX/XX/2023, my credit card account at issue was closed. A call to Chase revealed, according to Representative XXXX, that Chase closed my account on XX/XX/2023, for failure to submit the requested documents, a claim contradicted by their own previous confirmations.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have two issues. The first issue is with a claim/dispute against XXXX XXXX for {$190.00}. I am being ignored despite providing proof that the service was done incorrectly. I had to have the service done over twice and even some auto repairs after XXXX XXXX finished their coolant flush. And I have the consumer affairs attorney sending them notices to give me a refund. Chase Bank has lied to me about trying to assist me from the customer service level to the executive level. I want this situation resolved. The second issue is that my debit card was marked as fraud ( not by me ) yesterday and I am unable to add my card to XXXX XXXX. I talked to six reps and one person even hung up on me. The Chase Bank has been tampering with my debit card to prevent me from using it when I travel and basic cardless atm functions are disabled. This is a scam artist bank with disrespectful employees all the way up to leadership. I kept trying to add my card and was told verification was required to add the card to XXXX XXXX. No one would verify my card. These monsters are completely unprofessional.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I requested that my credit card be closed on XX/XX/2023. It was not closed at the time of request. The principal balance was paid-off and the dormant account continues to add fees and interest totaling {$280.00} ( as of today XX/XX/2023 ). Update ( CFPB does not permit updates on a complaint, can only close a complaint and open a new one ( option presented by CFPB ) : After my initial complaint ( XXXXXXXX XXXX XXXX XXXX, the next day ( XX/XX/2023 ) I received an email notice that my account was close to being charged-off. Another interesting note, defendant shows that my account was in collections on XX/XX/2023 ( one day after I requested to close it ) even though over-minimum payments were being made to pay-off the balance. It was paid-off. The reason I closed it was to no longer use it to charge transactions. I am XXXX XXXX XXXXXXXX XXXX. Further updates will be provided via closing a complaint and opening a new one.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A