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: I was out of town when my credit card arrived to my address. It had already been sent to the wrong address. When I returned home from a months long vacation I found the new credit cards statement and saw the XXXX and flight charges. I called XXXX, logged in my account and asked for details to the flights. Was unable to get refunded from the airlines. Flights were canceled and after disputing the charges Chase says I received benefit from those purchases and therefore responsible. I never bought or used flights. I filed a review for the claim, submitting proof that I was out of town and again was told that the charges were valid. No other explanations or proof I received benefit.
Company Response:
State: TX
Zip: 770XX
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: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: My phone and wallet were stolen on XX/XX/XXXX, the thief had used my XXXX XXXX to make various unauthorized charges along with sending {$500.00} to themselves with XXXX XXXX. Originally Chase had refunded my the money but then on XX/XX/XXXX had withdrawn the money from my bank account. I filed a police report on XX/XX/XXXX that described what was stolen and the purchases that were made as well as attempted/
Company Response:
State: NY
Zip: 10009
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a Chase-Amazon credit card which I paid the balance off in XX/XX/2023. And the company acknowledges the payment in full. However, they continue to charge me interest in XXXX and XXXX with a fully paid balance. I have on multiple occasions requested credits for interest they continue to charge me, and they say NO!
Company Response:
State: GA
Zip: 30339
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Chase Bank closed my checking account after they were unable to verify a check in late XXXX. I had called several times to remedy the situation prior to the closing and after. They weren't able to get the check writers contact information correct in their system to be able to verify the authenticity of the check. They pulled the funds out of the check writers account and have proceeded to hold my funds XXXX since XXXX. On XX/XX/XXXX I went to the chase bank in XXXX XXXX Iowa and asked for a copy of all of my banking statements, and they were able to provide me with them. I also asked to follow up on the account hold. After making a phone call they were still unable to clear the hold on my funds. The branch manager said that even if I were to bring the person who wrote my check into the office they would still not be able to release the funds due to their verification process. They did state that in a year or two they would release the funds to the state to return them to me.
Company Response:
State: IA
Zip: 523XX
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023, I was scammed to send {$2000.00} to an individual named XXXX ( XXXX ) via XXXX through my bank Chase 's mobile application. The individual took my phone after I had logged into my Chase app, and sent themselves money through the phone number XXXX, a number which now seems no longer associated with XXXX. I called Chase Bank that night, and I was told I would be given credit for the {$2000.00} while they investigated my case and I was forwarded to the fraud department to change my username and password on the app. However, I soon found out that I was not given any credit, so I called the bank back after a week and it was said that they were still looking at my case and since the fraud took place through XXXX, a third-party company, there is a likely possibility that my case wouldn't be approved. I have attached a screenshot of the transaction from my account.
Company Response:
State: NY
Zip: 11103
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: This is regarding my Amazon Prime Chase Visa. I have been using it and making regular payment and I am in good standing. When making normal purchases they locked my card without warning. When I went to the XXXX branch to close out my accounts they stated that it was an authorization issue since the phone numbers didn't match. They did contact my wife and she was able to verify the email in the customer settings and my new phone number. The feature to update my phone information is locked. I sent a secure message through the website and they forwarded my issue to the fraud department. They gave me a number to call. I tried calling the number but their phone system does not recognize the last XXXX digits of my credit card. Through another secure message I relayed this message to credit card services and still waiting for a response. I had recently switched providers but could not port my new phone number. I gave them my new phone number to contact me, and they have not done so. They did not lock the account due to any suspicious activity but only verify information which I will happily give them if I had a way to contact them. This is a very big bank which deals in a way that's very automated and impersonal and I am concerned that if nothing is done, I will just fall through the cracks so to speak and this will never get resolved. I had sent an email to the CEO of XXXX XXXX XXXX and filed a complaint with the XXXX XXXX XXXX
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Chase denied 2 disputes when they have honored disputes on my behalf in the past. XXXX XXXX XXXX XXXX XXXX scammed me out of XXXX sent through XXXX XXXX XXXX XXXX XXXX After multiple attempts to communicate and get money refund from merchant Chase said sent proof returned damaged product. First had faxed multiple times they kept saying didnt receive giving multiple fax numbers. Then received gave further run around. Deliberately refusing to honor dispute and give customers the run around this they just started doing. Date of transaction XX/XX/XXXX Inquiry XX/XX/XXXX claim number XXXX. XXXX XXXX XXXX scammed out of XXXX after being dishonest about their property. Decided to drive out all the dumpters were over loaded with trash lots ppl hanging out said don't move their rat roach infestedXXXX XXXX this property mgt. in Georgia they have many properties with complaints of roach rat infestation. I emailed the property mgt. and she did not respond. Chase Bank said they sent them a copy of some policy shared with me regarding refunds, not true requested on XX/XX/XXXX a copy of this policy from claims who gave me the run around on the phone for about an hour on XX/XX/XXXX. Never sent. Chase Bank is not not honoring disputes even after you follow through ie return property request documentation they say got from respondents and they just give you the run around finding ways not to refund you. Have done plenty business with them and this is wronng. I have been communicating with them through the app, you cant screen shot the conversations their have been multiple on this issue beginning early XX/XX/XXXX to XX/XX/XXXX the last phone discussion with claims. They find this humorus the frustration they put you through have them pull the call of XX/XX/XXXX claims for you to hear. Date transaction XX/XX/XXXX Claim number XXXX. They mix claim numbers, claim not to get fax, give you the run around through the app and not honor disputes after you follow through on everything they requsest. It is time comsuming and frustrating when they string you along for months. Please have them pull the corresponses from the app. I give permission. XXXX XXXX
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX three fradulent checks were deposited using atm into my Chase Checking account for {$860.00}, {$890.00}, and {$980.00}. After the check amounts were credited to my account, {$800.00} was subsequently withdraw on the same day at an ATM. The following day Saturday XX/XX/XXXX two more fradulent checks were deposited to my account using ATM one for {$2300.00} and the other for {$890.00}. On XX/XX/XXXX three more withdrawals were posted to my account, one for {$1300.00} another for {$800.00} and another withdrawal that was made at an ATM on XX/XX/XXXX for {$500.00}. The next day on XX/XX/XXXX the deposit of {$2300.00} was returned due to ATM/Dep error then one week later on XX/XX/XXXX, two checks that were made on XX/XX/XXXX ( for {$860.00} and {$890.00} ) were both returned and my account became negative. When I noticed a couple days later on XX/XX/XXXX I immediately called Chase to inquire and dispute the fraudulent activities on my card. I was told my the banking associate that the transactions were made using my atm card and pin which I said was impossible since I had not lost my debit card, it was still in my posession and I have never disclosed my pin to anybody. Chase proceeded to close my account the following day on XX/XX/XXXX. Prior to my account going negative, my balance was {$940.00} ( {$700.00} excluding the fraudulent deposits ) and when my account closed I was - {$1700.00}. After i closed my account at the bank I was informed that I will get my money back and that the fraud department at Chase will notify me after investigation. I was advised to file a police report so I went and filed a report with the XXXX XXXX. Several days later, XXXX XXXX informed me that because the transactions were made in XXXX, I would have to go to XXXX to file a report. I lived in XXXX however so it was difficult for me to travel to XXXX especially after having all my money in my bank account stolen. I waited eagerly for Chase to get back to me and I finally received a letter in the mail that claimed after investigation they found the transactions were legitimate and I was responsible for paying the {$1700.00} back. I was unable to pay this amount and it was written off as a loss and I was banned from opening any other Chase account because of bad debt. But I was a victim from fraud and lost {$700.00} that was in my account prior to the first fraudulent check being deposited. I felt I was unfairly treated and never received the reimbursement for the money I lost because of Chases inabilty to safeguard my money and allowing fradulent activities on my account.
Company Response:
State: CA
Zip: 94080
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I had XXXX unauthorized transactions on my debit card at Chase Bank which is attached to my checking account on XX/XX/2023 of 4 transactions of {$43.00} and one transaction of {$33.00} for a total of {$200.00} to XXXX These transactions were reported immediately that day, which was a Sunday and holiday weekend ; and a claim was created. I received a temporary credit of the total ; however, on XX/XX/2023 I was notified that the claims department determined that I had authorized the 5 transactions. Chase Bank removed {$200.00} from my checking account on XX/XX/2023 and had closed the claim. On XX/XX/2023 I requested a letter from Chase Bank stating how they came to the conclusion that I had authorized the 5 fraudulent transactions. I was told the letter can only be mailed, not emailed or place in documents online. I was told it would take 7-10 days to be received. As of XX/XX/2023 I have not received that letter. I do not believe that letter exists. A police report was filed on XX/XX/2023. A branch representative was able to receive from the claims department a XXXX invoice and an arbitration form for only one transaction. The Billing Address does not have my name correctly from my debit card and the address does not match my address on my account with Chase Bank. This also makes the shipping address incorrect also. I am disputing the billing information does not match my debit card information and account and Chase has no authority in approval of these 5 transactions in the first place. I want {$200.00} to be immediately replaced back into my checking account.
Company Response:
State: IN
Zip: 46143
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I had a credit card account with chase bank the was closed due to payment issue. But i paid down full amount on the time. My credit score is outstanding im trying to apply for a credit card with chase and its denying.
Company Response:
State: CA
Zip: 90027
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A