Date Received: 2023-10-17
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: In 2014 my current account with Chase had included the of benefit a safety deposit box for free, they opened for me at XXXX XXXX XXXX branch. I have never used it, the bank decided to remove last year the product as benefit, they are charging me as automatic payment XXXX for it which I have been paying so far because they do not allow me to close the box unless I personally go to the mentioned branch. I live in XXXX by now, I am not able to travel to XXXX to do this closure at the branch as they request. I have nobody to provide a power of attorney to do it for me there. I continue having all the products with this bank, I have contacted customer service number XXXX requesting assistance to close it, they referred me to a branch in XXXX, I filed a complaint with XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX who was very surprised this is the rule for the bank and tried to support me without success. I receive a call XXXX from their call center saying again I need to go to the XXXX branch if I want to close it, without any solution. I was confirmed even if I close all the products I have with the bank the safety box will remain active and chargeable. I am not rejecting the payment of it but I do not need the product that the bank offered for free and now to be able to get rid of it I would need to travel to another state with the expenses involved. I does not seem to be fair for a customer to be given a product by the bank and having after this big issue because they just decided not offering it anymore, not allowing the customer to close the product. my name is XXXX XXXX XXXX XXXX, the safety deposit account is XXXX offered within the package of my current account XXXX. The bank is obligating me to a product that I do not need nor want or requested. I believe nobody should be obligated as they are doing to have something you do not need. They should allow me to close it from any of the branches as the bank offer country wide service/branches.
Company Response:
State: GA
Zip: 30328
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: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Chase Bank notified me by email telling me my personal info was used to submit an application for a credit card. XX/XX/2023 2023
Company Response:
State: LA
Zip: 70056
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: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Hi, I cancelled a flight through Chase XXXX XXXX on XXXX XX/XX/2023. My ticket is fully refundable, and also cancelled within 24 hours of booking. But I haven't received the refund yet. I booked the flight through Chase XXXX XXXX. Cancellation was done by calling Chase agent. I received email saying that I will get full refund of {$640.00} within 5 days. But I haven't received the refund yet. I talked to Chase agent once, and they said to wait until 1st billing cycle. I called up Chase again after the 1st billing cycle, and now they told me wait until the 2nd billing cycle. It would be great if you can help to resolve the issue, and get me full refund from Chase. I am not sure if Chase is really trying to resolve this issue. I am attaching the Original Ticket and also the confirmation for cancellation and refund. Here are the trip details for your reference : Trip ID : XXXX XXXX to XXXX on XXXX XX/XX/2023 Number of passengers : 2 Ticket price : {$640.00} Thanks in advance. Regards, XXXX
Company Response:
State: CA
Zip: 95133
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: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX - XXXXXXXX XXXX, I noticed multiple unauthorized transactions on my Chase credit card statement, totaling. I immediately contacted Chase Bank to report these transactions as fraudulent. A representative assured me that an investigation would be conducted. On XX/XX/2023, I received a letter from Chase Bank informing me that, after their investigation, they determined that I was responsible for the disputed charges. This decision left me both surprised and concerned, as I have always diligently protected my card and promptly reported any unauthorized use. Following the receipt of the initial decision letter, I contacted Chase Bank to request a review of their findings and an explanation for their determination. I believed that this was a clear case of fraudulent activity, and I expected a fair resolution. I requested that they reopen the case for further investigation. On XX/XX/2023, I received another letter from Chase Bank, stating that they had completed their investigation and that I was still responsible for the disputed charges. This decision left me even more perplexed and frustrated, as I was not provided with any substantial evidence or justification for their conclusion. On XX/XX/2023, I made another attempt to obtain more information from Chase Bank by speaking with their customer service representatives. Unfortunately, I was informed that they were unable to provide any written details of the investigation or any specific reasons for their determination. Attached to this letter, you will find copies of both letters from Chase Bank ( dated XX/XX/XXXX and XX/XX/2023 ) for your reference. I have followed the proper procedures for reporting fraudulent charges promptly and diligently. I have cooperated fully with Chase Bank throughout this process, and I have received no substantive information to justify their decision. I strongly believe that I am not responsible for the unauthorized charges on my account, and I am seeking your assistance in resolving this matter fairly.
Company Response:
State: CA
Zip: 94806
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 accessing account
Consumer Complaint: On XX/XX/XXXX and XXXX I tried to call the branch multiple times to ask simple questions regarding my account and the ability to change dollars to euros for a trip and if the euros needed to be ordered in advance. I tried calling multiple times over an hour and they did not answer their phones. I went to the bank and they told me that I had to order euros so they were unavailable and therefore I was unable to get the exchanged money in the timeframe I needed. I was also unable to order the euros in advance over the phone creating the need for me to go to branch two times.
Company Response:
State: TX
Zip: 77008
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: Deposits and withdrawals
Consumer Complaint: I deposited a check from a friend for {$21000.00} into my account. They have since closed my account and refuse to release the funds even though my friend and the issuer of the check are going through hoops to verify that the check is legit. They said the only way to verify my friend is through a cell phone that is registered to his name. He tried the one he had and then went and bought a new phone and still they said their computer program they use will not verify those numbers. They say that it could take 6 months for the phone to get verified. Ive had to get a new bank account and change my bills over to the new account. Countless visits and phone calls have just been a waste of time and my friends {$21000.00} is stuck in a closed account with no explanation how to get it released.
Company Response:
State: CA
Zip: 93012
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/23 I was an authorized user under XXXX XXXX XXXX XXXX credit card ending in XXXX and was declined when using the card with the merchant XXXX XXXX XXXX XXXX on XX/XX/23. I used the XXXX XXXX credit card because it would not have a foreign transaction fee on this international transaction, however the transaction got declined. I was then forced to use my XXXX XXXX credit card ending in XXXX for the {$110.00} charge on XX/XX/23. I figured since I have no choice but to use a credit card that would charge a foreign transaction fee because Chase declined the same charge on the XXXX XXXX that would have no fee I could call in and get it waived as a courtesy since Chase left me with no choice but to get hit with a fee. Within 90 days, I contacted Chase and received a response on XX/XX/23 denying me a credit of the {$3.00} foreign transaction fee that I was charged. I called again today XX/XX/23 to speak to a supervisor who wasnt able to help me either. I dont understand why this is a difficult situation to understand, since I made every effort as a customer to avoid the fee by using the correct card. I would like this matter resolved please.
Company Response:
State: NY
Zip: 11427
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XX/XX/XXXX received a call about data breech inside JPM bank for 10 years. I was offered insurance funds being the breech was on them XXXX for five years plus access to my trust and a safety deposit box also. Have not received XXXXXXXX XXXX Its was suppose to be in my account by XX/XX/XXXX. I contacted Chase bank customer service which told me I had to find external bank for my Derivative securities. I found XXXX set up an account and set up XXXX transfer to Chase bank XX/XX/XXXX. On XX/XX/XXXX XXXX closed my account with any warning and they wouldnt tell me why they simply said its there right to terminate relationship. I would like this resolved asap. Of course insurance funds for pain and suffering. I want back any loss of assets do to this situation. And full control of my accounts.
Company Response:
State: FL
Zip: 33629
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " It also states a consumer reporting agency can not refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Company Response:
State: TX
Zip: 77578
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I added XXXX XXXX as an authorized user on XX/XX/XXXX to my Sapphire Reserve card. On XX/XX/XXXX XXXX XXXX applied for his own Sapphire Reserve card and got approved for it. I was charged {$75.00} for his use of the card on XX/XX/XXXX and {$75.00} again on XX/XX/XXXX. Since I myself wouldnt be allowed to apply for two Sapphire Reserve credit cards at the same time, it was my understanding that once XXXX XXXX applied for his own Sapphire Reserve card that he would automatically be removed as an authorized user on my card but it doesnt seem like he was. There wouldnt have been any way of me knowing I needed to manually remove him from my card as an authorized user as there wasnt any clear messaging to let me know this. I noticed he was still an authorized user on XX/XX/XXXX when reviewing my account activity and immediately sent a message to customer service through the secure message center within my online banking app to remove XXXX as an authorized user and to request a refund of the {$75.00} annual fee I was charged on XX/XX/XXXX. On XX/XX/XXXX when I log into my account and still dont see a refund for the {$75.00} I called into customer service and both a regular representative and a supervisor declined the refund saying the system wouldnt allow them to credit back the fee. It is unfair for me to pay this fee especially when XXXX has had his own Sapphire Reserve card since XX/XX/XXXX and has not used his card under my name since then. I have been a customer with Sapphire Reserve for many years now and never called in to request any annual fees to be waived and have consistently given Chase my business tens of thousands of dollars in business every year. I am very disappointed today to find out that a simple {$75.00} cant be credited back to me. Its a reasonable request back by sound logic. I have choices when it comes to this tier of credit cards and I have consistently stuck with Sapphire Reserve but it doesnt seem like the customer service is there to back up this card as I had hoped. I am seriously considering downgrading this card and moving on over to XXXX XXXX XXXX credit card if this issue cant be resolved. There would be little incentive for me to continue to give my business to Chase.
Company Response:
State: NY
Zip: 11427
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A