Date Received: 2023-10-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Had a Chase Sapphire Reserve card with {$550.00} annual fee. Called to close the account in XXXX. Life goes on. This month in XXXX, I saw a balance of {$550.00} and was shocked to realize that Chase has been charging me {$550.00} annual fee for 3 years without a single inactivity since XXXXXXXX The total fee accessed post my phone call to close the account in XXXX is {$1500.00}. It would amount to {$2100.00} if I didn't happen to check in an XXXX. They have since closed the account but refused to refund the fees. I checked my online bank only periodically and have autopay set up for this card. The fee is accessed in XXXX and there is no paper statement. Chase kept all closed accounts also visible for online banking, which is very confusing. If I don't check in an XXXX, I see {$0.00} balance and didn't know this card is still open. In my opinion, this is borderlining predatory lending. For such a high fee to be charged repeatedly without not a simple activity year after year. What is the possible reason for customers to be willing to pay the fee with usage of any benefits? Clearly customers do not know they still have the card. They decided to leave the account open so that they can continue to charge fees. Called Chase and they told me there is nothing they can do to waive these fees. There is also an inconsistency in their policy. I have a different Chase card with {$95.00} annual fee and that account is closed after 12 months of inactivity, which is the responsible way of handling these situations. Would like to make a complaint. With Biden administration doing the right thing cracking down junk fees & predatory fee practices, this is a good example of a large bank exploiting customers of {$1500.00} in fees! And being inconsistent in their fee policy. Please let me know if there is anything I can do to get the charged fees back. In this economy, certainly need it back to make ends meet. Thank you.
Company Response:
State: PA
Zip: 193XX
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Signup is clearly broken, and there is clearly an error in my account, but they will not admit this is going on, just saying " try again later '' - customer service puts me on interminable hold over and over again, has had me try all the browsers, and clearly is just waiting for me to go away.
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On XX/XX/23 I received an email from CHASE stating that they had received a credit card application from me and was being processed. I did NOT try to apply for a credit card with them. I also received an email from XXXX XXXX stating I had a Hard Inquiry on my account now which effects my Credit Score. I contacted CHASE and have since received two letters from them. The first letter, containing my name and address, just states my request for a credit card needed more information. Reminder I NEVER sent in any application for a credit card with them or any other company. The second letter from CHASE, this time containing someone else 's name but with MY address came saying someone has tried to fraudulently open a credit card under their name. CHASE screwed up this paperwork as I am the one who had someone try to open a credit card with my info!! I need this taken care of and for my credit score to resume to the score it was before this fraudulent action put on a fake Hard Inquiry to my account!
Company Response:
State: PA
Zip: 161XX
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In XXXX of XXXX, I received a letter from JP Morgan Chase Bank ; the bank which our XXXXXXXX XXXX ( did ) all of our commercial banking, which stated that due to an internal risk-analysis review, they were terminating their banking relationship with our company to include our checking account and credit card accounts ( all of which were in good standing since inception ). Our commercial banking representative, on our behalf, tried to get an explanation and dispute this action as we are a great customer, but was unsuccessful and ultimately no explanation was furnished as to why this happened. They advised us that they were under no obligation whatsoever to explain their decision process or provide evidence as to what they were reacting to. We immediately established banking relationships with two other major banks, which we have active to this day. Chase DID extend the time before closure allowing us the opportunity to redirect incoming receivables to our new accounts, and in XXXX of XXXX, proceeded to close our Business Checking account and our Chase Visa Credit Card account on XX/XX/XXXX. AFTER the accounts were closed, on XX/XX/XXXX Chase allowed a health insurance premium ( {$2800.00} USD ) expense that was scheduled for AutoPay to clear on the CLOSED credit card account and provided me with NO NOTICE that this had happened. In other words, I had NO IDEA that the CLOSED account had been charged and now carried a balance. Since I had no idea that there was a balance on the closed account, and that payment was due, I did not make any further payments to the account because I believed that it was fully closed down and XXXX out. In XXXX of XXXX, I received an email notification from a credit bureau monitor ( XXXX XXXX ) that my credit score had dropped significantly. I logged in and checked the report to find that Chase Bank was reporting my account as delinquent, with finance charges, and that had dropped my personal credit score by over XXXX points! I immediately logged into Chase Bank online using my old credentials and discovered the past due balance. I immediately settled this balance IN FULL, including the finance charges, with our business checking account at another institution. I also called our former commercial banking representative from Chase and advised him of what happened. He apologized for the inconvenience, and alerted me that he was filing a dispute to the credit reporting, and to expect a call with a decision in the coming days. Today, on XXXX XX/XX/XXXX, I received a call from a low-level chase representative advising me that they would NOT be withdrawing the credit reporting of the ( now XXXX XXXX past due balance because they had sent a letter in XXXX to our office XXXX XXXX that Autopay was no longer available on our credit card account. This letter was received ; however it DID NOT INDICATE ANY BALANCE ON THE ACCOUNT! I have attached a copy of the letter received- which Chase claims was how they NOTIFIED me that the CLOSED account had a balance ( that was cleared AFTER the account had been forcefully closed by Chase ). I simply disregarded this notice thinking that the account was closed and any automatic notification about autopay was simply an automated email!
Company Response:
State: NJ
Zip: 08003
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I tried to request documents that I signed when opening my account and both the customer service representatives, and the branch tellers refuse to give me my documents. I have tried it multiple times, and they continue to redirect me after making multiple attempts to obtain my initial agreement and account disclosure documents.
Company Response:
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for credit card over chase bank and got denied and regardless of the reason being denied I have the rights to credit with holding my access to my securities is security fraud. They violated the equal credit opportunity act & consumer credit protection act.
Company Response:
State: FL
Zip: 33709
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I was debited {$1000.00} for an ATM withdrawal that I did not make nor authorize at a Chase bank ATM in XXXX, IL. The bank closed my claim based solely on the fact that this was a chip enabled card and that there were no pin failures and that I do not have any prior disputes using the same terminal. I do in fact use this terminal frequently, but I DID NOT make or authorize this ATM withdrawal on XX/XX/XXXX. Ironically, the same day, XX/XX/XXXX, I was charged a {$5.00} fee for a " Cash Deposit Night Drop Armored '' service. I don't know what this service is, and I certainly did not use it. The banker reimbursed me the {$5.00} fee, but I find it quite ironic that I have two transactions on my account on XX/XX/XXXX that I did not perform or authorize. I am asking for the bank to research this further and provide the police with the footage of the ATM withdrawal as requested. I have filed a police report # XXXX. I believe this may be fraud or a bank error, which needs further research. I am out {$1000.00} and I feel as the bank is just brushing me away and does not want to prove any concrete evidence of the transactions, and quite frankly I feel as the bank does not care for me as a client and is discriminating against me. I will be taking legal action if this is not is not resolved properly.
Company Response:
State: IL
Zip: 60193
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My previous filed Case number related to this one is ; XXXX The appointed Chase employee assigned to this case name is XXXX! In my previous filed CFPB report # XXXX XXXX XXXX denied my request to have my funds repayed by Chase bank. Her explanation is as follows ; We received your claim for the cashier 's check for {$89000.00}, which you informed us was intercepted and cashed by an unauthorized party at XXXX XXXX XXXX, the bank of first deposit ( BOFD ). The BOFD denied the check claim because the check was deposited into an account matching the payee 's name. We have requested repayment several times. Unfortunately, the BOFD denied the request to return the funds. We can not refund the funds, as the bank that accepted your check is responsible for repayment. We've enclosed the letter we sent to you on XX/XX/2023, for your review. ( Also, see her formal written response attached ) Ive called this executive chase office and requested to speak to her supervisor but was denied the right to do so by a receptionist. However, yesterday during a recorded call XXXX returned my call instead of her supervisor. During this call I expressed my unforgiving disgust as it applied to her response to my original complaint in which she repeatedly apologized after I made her aware that she BLATANTLY LIED in her response by alleging my Check was *INTERCEPTED? Then cashed by the scammer at XXXX XXXX XXXX. This ridiculous play on words of an interception is a continuation of Chase bank mishandling of my {$89000.00} along with the process to refund my monies. During XXXX *mandated call to notify me shell be handling my claim I tried to have a conversation with her in which she was rude and refused to converse with me, as I insisted and begun to talk about my case how coincidental the phone hung up and she never called back. Furthermore, in this recorded call yesterday she claimed she was unaware the scammers INITIATED the making and delivery of the check, claiming she believed I had ordered the check and it was *INTERCEPTED?.. This ridiculous lie is apparent because in the complaint I filed it SPECIFICALLY SAYS WHAT THE SCAMMER DID TO OBTAIN THE CHECK AND HOW IT WAS GENERATED!.. So she didnt even bother to thoroughly read the complaint, neither did she investigate the claim and the notes in the system from day one which would have spelled it out for her. She apologized for misunderstanding what happened? This is {$89000.00} Ive been without for XXXX months and the person thats supposed to be helping me neither UNDERSTANDS NOR READ MY CLAIM IN ITS ENTIRETY NOR READ THE NOTES WITHIN THE CHASE INTERNAL SYSTEM TO LEARN HOW THIS HAS HAPPENED? The unprofessionalism herein from the Chase employee that aided the scammer from day one, up until this XXXX lack of assistance has been nothing short of a absolute circus. While Im stuck twiddling my thumbs awaiting a miracle of a COMPETENT CHASE EMPLOYEE, to see the buffoonery of it all while having the moral decency and superiority to see that my money is rightfully returned to me immediately. Chase continues to blame XXXX XXXX XXXX as whos responsible for repaying the funds. Ignoring the reality IM THERE CLIENT not BOFD, my funds are insured through CHASE. BOFD position is that Chase so poorly followed basic protocol that allowed my funds to be taken by the scammers theyre refusing to pay. Which is understandable because CHASE absolutely was undeniably careless and AN EMPLOYEE WAS DIRECTLY INVOLVED IN AIDING THE SCAMMERS! Facts I alleged to XXXX XXXX from the original complaint and brief conversation before she hung up on me, and before she filed that BOLD LIE THAT MY CHECK WAS INTERCEPTED! I should not be a ping pong bounced back n forth between two banks thats blaming each other as to whos responsible. THE BOTTOM LINE IS THAT MY MOMEY WAS STOLEN AND CHASE YOU KNOW IT AMD YOU CARELESSLY HELPED THE SCAMMERS DIRECTLY AND INDIRECTLY!
Company Response:
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Chase bank recently sent me a new credit card as the one ive currently been using for years was reaching its expiration date displayed on the front of the card. Credit card Chase Freedom Unlimited Ending in XXXX The new one they sent does not process any new charges & the account currently reflects as closed. Furthermore, the new card that arrived in the mail is valid until XX/XX/XXXX which is just a few months after the previous card expires. Ive tried reaching out to them about the issue but have not received a response on the matter. Ive been a card member since XXXX and have never missed a payment. This is causing major delays and is discriminatory practices.
Company Response:
State: VA
Zip: 22192
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XX/XX/23 I SENT LETTER REQUESTING This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XX/XX/23 I SENT LETTER REQUESTING I previously disputed this account stating : " This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. ON XX/XX/23 I SENT LETTER REQUESTING This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Please remove this account because the creditor failed to notify consumer of dispute and did not update that they actually performed and investigation. Please remove this account immediately XX/XX/23 This account was charged off and I no longer owe money to this creditor but its still showing a balance due. FROM XX/XX/23 TO CURRENT THE CREDITOR FAILED TO UPDATE THE COMMENT SECTION THAT THEY DID AN INVESTIGATION. THE CREDITOR FAILED TO UPDATE THE REQUESTED INFORMATION REGARDING MY DISPUTE, THE BUREU FAILED TO DO A INVESTIGATION.
Company Response:
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A