Date Received: 2023-10-17
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I received a mail invitation to apply for the Chase XXXX XXXX XXXX, addressed to my business name ( XXXX XXXX XXXX ) with a QR code to scan. I read everything on the advertisement to make sure there was no mention of a credit pull on personal credit. Went through the application process, read the disclosures there, still no indication that a hard pull ( or any pull ) would occur to my personal credit. When I applied, I was denied ( they had stale information from XXXX, which factored in the decision, and I should also note that I didn't care about the denial ) and then I started getting alerts from the various credit monitoring services I use that there was a pull on my credit. I called Chase immediately and conversed with XXXX operators, who said that this was " just the way they do it ''. I asked for the disclosures and how I was supposed to know that they would perform this action and they could not point me to anything.
Company Response:
State: NC
Zip: 28227
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Someone tried to open a Chase credit card using my name and email. Assuming they have my social security number and Chase sends me to dispute with XXXX or make an account with them which i do not want to do or have in general
Company Response:
State: MI
Zip: 48188
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: The only notifications Ive received in the past month about my account with Chase is that theyve gone through my claims individually and have sent me confirmation that they were claimed correctly and the credit given would be permanent. I have received another email from chase executive office on XXXX giving me a case number but I have yet to hear anything after that and they havent responded or answer questions on the phone. This company refuses to treat their customers with any common decency and continue to put my calls on hold and transfer me with no notice and force me to hang up after hours wasted waiting for another agent to answer after being transferred. I just want to know whats going on with my account, when can we close the account, and regain access to the money in the account that was deposited after they restricted/closed my account.
Company Response:
State: IN
Zip: 46234
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I received a text about a potential fraud charge from chase and they said to give them a call if I noticed anymore unrecognized charges. I gave them a call and told them that a lot of charges on the account were fraud and filed a claim. And they denied the claim for no reason saying they can not find fraud even though they texted me about the fraud. This money is for every day use such as bills, food, etc. and has been a very unsettling thing for me to go through.
Company Response:
State: NJ
Zip: 08094
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: I paid and they sent money to company out my account without my permission cause the account overdraft XXXX $ and I had the money in my account so bank paid a company without my consent cause my account to overdraft and close on chase behalf not fair to me and cause eary warming service place on my credit so I can open new account
Company Response:
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Chase and XXXXXXXX XXXX opened accounts with JPMorgan and XXXX XXXX disbursements and gave me a small percentage then never funded my checking accounts. Chase let a banker named XXXX XXXX move an investment account..now says they can't find it. They also moved an account to XXXX XXXX without authorization..now deny it exists. XXXX says an active for home banking account was just a debit card and I'll be arrested if I go to the bank. That's a money market account. XXXX XXXX only pays in dividends. It says so in the brochure. An attorney said all my deposits are securities and they have to give them back. XXXX XXXX XXXX texas
Company Response:
State: TX
Zip: 77044
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
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 XXXX, XX/XX/2023 I received an e-mail from Chase asking if a purchase for {$8900.00} was made, by me, for a purchase from a merchant listed as XXXX XXXX XXXX XXXX. I responded by selecting the link " No, something's wrong. '' Upon reviewing my credit card statement that day, I found additional unauthorized charges for a second vendor ( XXXX XXXX, or similar ) .I spoke with Chase XXXX my credit card was closed, and the charges were removed. Approximately 1 month later, the charge of {$8900.00} was re-charged to my replacement credit card with Chase. It is worth noting that the other unauthorized charges have been identified as fraudulent, which shows that Chase agrees that my card was compromised. On XX/XX/2023, I started an independent investigation into the charge which continues to this day. On this day, I was told by a representative from Chase XXXX XXXX XXXX XXXX that the purchase was for XXXX bottles of XXXX the XXXX cognac and that the billing address matched my billing address. The Chase XXXX Department representative stated that I would need to provide " documentation '' to show that I did not make the purchase. They suggested I reach out to the vendor, XXXX XXXX XXXX. I began researching the company who sold the liquor and contacted them to obtain a tracking number. I was never able to get ahold of anyone at XXXX XXXX XXXX, despite several e-mails and phone calls to the contact info listed on their website. To this day, I have never received a reply phone call or e-mail. Also on XX/XX/2023, I reported the unauthorized pruchase to my local police department and a case was opened. A case number was provided to me which I relayed to a representative at Chase XXXX XXXX. Later that week, I spoke to a supervisor with the Chase XXXX XXXX team. XXXX describing the case, the supervisor laughed. She said that she " found something new '' and would re-open the investigation. Several days later, I recveived notification that I was repsonsible for the charge. On or around XX/XX/2023, I spoke with a supervisor in with the Chase XXXX XXXX team who indicated that the liquor was delivered to a XXXX store in XXXX, VT, which is near my home address. I was provided the XXXX tracking number and verified that the item was picked up on XX/XX/2023. The Chase XXXX XXXX stated that ID was provided at the item was picked up ( this was later found to be untrue when teh polic reviewed video of the transaction ). Also, the supervisor stated that the e-mail address used for the purchase was " one letter different '' than my actual e-mail address, but he did not share what the e-mail address was. I never received an e-mail form XXXX XXXX XXXX about the purchase. On XX/XX/2023, I contacted the police again and shared the tracking number and the time the package was picked up at XXXX. The police obtained surveillance video form XXXX showing that I did not pick up the shipment. On XX/XX/2023, I called chase and provided them contact information for a sergeant at the police department who was investigating the case by Chase failed to get in touch with the investigating XXXX. On XX/XX/2023, I went to the police department and sat down with the investigating detective to call Chase together. We called the XXXX XXXX department. The representative tried to connect us with the " right person '' to talk to, but the person was not available. The representative instructed us to send the police report to a fraud recovery e-mail address. The representative also stated that it woudl take XXXX business days to review the case. The report was sent by the detective and we received confirmation of its receipt. The report includes a still of the surveillance video that is clearly not me. Further, the police stated that the person never provided ID. On XX/XX/2023, I followed up with Chase and was told that the case was under investigation. I was told they woudl clall me back and shared that I was avialabel all day on Thursday and Friday to resolve the matter. On XX/XX/2023, I was able to speak again to a supervisor of the CHase XXXX XXXX XXXX. This person said that the police report was missing an appropriate cover page and requested that a new police report be provided. I contacted the police and they said that a new report would be sent in the afternoon. I am awaiting the outcome, but I have very limited hope or energy left that this will be resolved. My complaint can be summarized in three parts : ( 1 ) Upon receiving the initial e-mail asking about the charge, I made Chase aware that it was fraudulent ; ( 2 ) Chase has accepted that otehr charges at this time were fraudulent, but continues to pressure me about a {$9000.00} purchase for two bottles of liqour -- it woudl be hard to invent a more absurd example of credit card fraud ; ( 3 ) The representatives at Chase 's Fraud Recovery are exceptional at dodging and ensuring that I do not speak with anyone who has information to share about the case. There is no way to move from speaking with a Chase Recovery representative to supervisor and each time I speak to someone new who knows nothing about the case. I have found a back channel to get ahold of a supervisor, but it requires speaking with several Chase representatives and long wait times ( 30 minutes, minimum ) ; ( 4 ) An e-mail address with " one letter different '' is still a different e-mail address that was clearly created by the person committing the crime ; ( 5 ) The police have verified that I did not pick up the packages. I paid the charge after my credit score already dropped over XXXX pts for carrying a high balance and did not want to deal with late fees, etc, associated with this charge. I await justice and reimbursement and stand completely baffled by Chase 's handling of this entire process.
Company Response:
State: VT
Zip: 054XX
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Chase bank said Im on early warning systems and we dont know why.
Company Response:
State: CA
Zip: 93422
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I noticed on my credit report on XX/XX/XXXX that there was an attempt to open a chase credit card in my name, which was fraud, I received the chase credit email at XXXX and I called them at XXXX to report the fraudulent account activity. They said they will stop the application process and I did ask why did they not call me before hitting my credit with this inquiry, they said that eventually something seemed fraudulent. It seem like I caught them before chase did. Chase said that the application is closed and that they will send me information in the mail along with facts about how to protect myself from fraudulent activity. My credit score decreased by XXXX point and which I disputed this inquiry which XXXX is removing it, but I want my XXXX point back. There has been a freeze place on my credit report.
Company Response:
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
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: Chase place the amount of for {$3500.00} back to my account and said it was my responsibility when it is not they advised phone verification was done and this is because we were hacked and sent text messages we thought from chase and believed to be the cammers or fraudsters and was completed on XX/XX/. We confirmed that an over-the-phone verification was completed by text message to your phone number ending in XXXX. You are welcome to provide additional documentation for reconsideration of your fraud claim. XXXX
Company Response:
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A