Date Received: 2023-10-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX I received an alert that my bank card was being used in XXXX. When asked if this was me I pressed no and immediately called my bank. By pressing no I assumed the transaction would be declined. It was 5 {$100.00} amounts being taken. They put the money back, but almost one month later after an investigation said it had to be me. I have never been in the state of Florida. They said there is nothing they can do.
Company Response:
State: WA
Zip: 98626
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XXXX I used my Amazon XXXX Rewards Visa card on Amazon.com to order a XXXX XXXX XXXX, which was gifted to someone. The total, including tax, was {$560.00}. This amount was charged to my card on XXXX. On checkout, I selected advertised promotional financing of 12 month equal payments with 0 % interest. Upon receiving my statement for XX/XX/XXXX, I saw that the promotional financing was not applied, and that the amount was due in full the next month. My Amazon invoice confirmed that I selected financing. I contacted Chase via the number on the back of my card on XXXX. Both representatives told me that I had to contact Amazon as the financing was initiated through them. I contacted Amazon on XX/XX/XXXX via chat. The first two representatives transferred me upon hearing the issue. The third representative told me initially that I did not select financing. I corrected them via the invoice I had. The third representative then told me that they could not offer me the financing without physically returning the gifted item no longer in possession. I mentioned CFPB, and was transferred to a phone representative. The fourth representative immediately transferred me to another phone representative after telling me she could not help. The fifth representative told me the same as the third. The fifth representative said they were not aware of anyone else that could help when I asked for a further transfer.
Company Response:
State: UT
Zip: 84106
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Claim number : XXXX Card ending in : XXXX Account ending in : XXXX I booked a flight on XXXX XXXX XX/XX/2023. XXXX emailed me back within 15 hours of the booking to cancel my flight due to Overbooking. They also processed the refund in full back to the card for me the same day. Since then I never seen any credit back to my bank account. I then made a dispute with Chase on XX/XX/2023 for the reason : - Cancellation a one-time purchase and haven't received a credit as promised Chase gave me temporary credit right away. Eventually, on XX/XX/2023, they reversed the credit because they received the documents from the merchant saying : the merchant already provided the cancellation policy and term and agreement. I already agree to that when I made the purchase for the airlines ticket. HOWEVER, in this case, The merchant is the one who CANCELED the flight due to their fault of overbooking not me cancelling the flight. Also the cancellation is also within 24 hours of the booking. They also told me in the cancellation email that they already processed the refund for me. I sent in the cancellation letter from the merchant to Chase and Chase refused to pursue the case further and help me get the money back. They told me this is because the dispute reason when I originally open the dispute was wrong. They told me I should have open the dispute under : -The merchant never provided the product or service. In my opinion, these reasons are very wordy and confusing to the customer. As I understand, the ticket was cancelled by the merchant and they already told me in the email that they already processed the refund. That's why I dispute under not seeing the credit as promised. I called Chase dispute many time and they always refused to help. They just being rude and told me that's XXXX XXXX This is discriminating and XXXX. The supervisor name was rude is XXXX, I talked to him on XX/XX/2023 at XXXX XXXX PT. I read the dispute rude and I am 100 % sure the reason and category that I selected are correct according to the support documents I have and submitted. Please help me get the money back. Best, XXXX
Company Response:
State: WA
Zip: 98023
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Chase has promotional offers for money or points back on their website. On XX/XX/XXXX I noticed, and added, a Chase promotion for up to XXXX {$50.00} in statement credits for paying my XXXX XXXX XXXX bill via my Chase account. After adding the promotion on XX/XX/XXXX I made a payment for {$50.00} ( the minimum for the promotional credit ) and Chase automatically applied the {$50.00} credit on XX/XX/XXXX. I then went onto make a second payment for {$50.00} on XX/XX/XXXX and they have failed to apply the advertised promotional credit over 2 months later. I have followed-up over XXXX times with Chase via their secure website messaging application and over XXXX separate XXXX hour phone calls where they refuse to do anything except send a message to their marketing department to apply the credit. They have told me it would take XXXX weeks and now XXXX weeks later the problem remains unresolved. The promotion was clearly added to the account and active given the automatic credit provided on XX/XX/XXXX and yet they fail to have any follow-up and or resolution despite
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Got a chase bank cash advance on my XXXX credit card ( since closed ) I paid it off in full 3 days later. Teller wasn't aware of Chase Bank policy that you can't pay off a Chase Bank cash.advance until 30 days after the next statement comes out, and by mistake she accepted the payment, but posted it against my regular credit card balance. This caused my interest rate to spike to 29 % Chase is still asking my to pay the balance of {$1500.00}. They made this card 0 % interest, but never got rid of the excess interest chargesXXXX XXXXXXXX XXXX
Company Response:
State: NJ
Zip: 08865
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Lost or stolen money order
Subissue:
Consumer Complaint: XXXX fraudulently cashed a {$290.00} money order I obtained from Chase in XXXX XXXX XXXX in a previous response has admitted they cashed the money order wrongly and states they sent a check for the {$290.00} to Chase on XX/XX/XXXX, XXXX they sent it to the wrong address, when it should have been mailed to:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chase knows this because XXXX XXXX, the branch president, informed me of this 2 weeks ago. Yet they have not reimbursed me for the {$290.00}. I was told by a bank representative from Chase that this would be resolved and I still have not received my refund.
Company Response:
State: IL
Zip: 60610
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
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 XX/XX/23, I realized my XXXX had been stolen while I was out of town in XXXX, TX. My XXXX had my Chase Sapphire Credit Card linked to XXXX XXXX. The thieve ( XXXX ) who stole my XXXX were able to break into it and then create a new recovery key to lock me out of my XXXX ID ( I found this out later when I was able to regain access to my email ). They then charged approximately {$40000.00} over 32 separate transactions ( {$40000.00} to be exact ) to my Chase Credit Card at the XXXX XXXX XXXX store in XXXX in a matter of hours. This was even over the credit limit on the card ( {$32000.00} ). In the years that I have had this card I have never even came close to this limit. I called Chase that day to report that my phone had been stolen and to cancel the card. They initially labeled the charges as fraud and cancelled the card. Within a few weeks, Chase took the charges off of my account. Roughly a month and a half later, the Chase Fraud Department called requesting additional supporting documentation to support my fraud claim. That same day I sent over a copy of my XXXX Police Report as well as my Identity Theft Report. Three days later, without even calling me, they closed the case claiming they did not receive the documentation. They then charged the {$40000.00} back to my account. I immediately called Chase Fraud and they were able to find the documents and told me the case was re-opened. After a few days passed, I called Chase Fraud back and a supervisor told me they could not pull up the Police Report and also informed me that I need supporting documentation from XXXX ( proof of a receipt that I bought a new phone ) as well as documents from XXXX ( proof that I reported my phone was stolen and my XXXX XXXX was compromised ). I sent them my XXXX receipt from the XXXX store in XXXX, TX showing that I purchased a new cell phone the same day that my phone was stolen ( XX/XX/23 ). I also sent them an email I received from XXXX on XX/XX/23 that included my Case number. A supervisor from Chase Fraud called me back telling me that there was still not enough documentation for them to reverse the charges. I have since sent them even more documentation including my Apple Case notes regarding my lost iPhone/Compromised Apple ID, an email from XXXX of my account notes ( stating that my phone number was suspended lost/stolen and added to the negative list on XX/XX/23 ), and emails exchanged with the XXXX PD Detective regarding the Credit Card Abuse reported XXXX Chase Fraud is saying there still is not enough supporting documentation provided to reverse the charges and has closed the case again. As a customer, I feel completely mistreated by the Chase Fraud Department. I have consistently given them the documentation they have asked for and even more to prove that these charges were not made by me.
Company Response:
State: IL
Zip: 60178
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XXXX i had XXXX hard inquires on my XXXX Credit Report. I have tried to contact all XXXX companies to no avail. they could not give me any information. I did contact my XXXX but I would like to report abuse of my personal information. I have not applied for any car, home, or personal loans, or opened any new credit cards.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
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 received a Chase credit card. I set up my online account with my bank account. My daughter and I use the same bank. When I set up my first payment, they attempted to take it out of her account somehow and this caused her several fees. They returned the funds for the payment but would not do anything about the bank fees. I then paid the statement balance. Even though the statement balance was paid, they again, took the money out of her account. ( Double charged the entire statement balance. ) I called them on XX/XX/XXXX when the charge to her account was pending and they assured me it would not go through. On XX/XX/XXXX, it did go through even though I had paid the statement balance. This left her with no money, taking all of the money she had out of her account even though it was already paid and set up to come out of my bank account. When I contacted them, they said it was there mistake and they would refund her the money ( not bank fees ) but it would take XXXX business days. She works a minimum wage job struggling to save money and Chase took it all. They said there was nothing they could do.
Company Response:
State: SC
Zip: 29072
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened an account with XXXX to manage my invoices and payments/bookkeeping, and their payment processor is WePay ( owned by JPMorgan ) XXXX and everything was approved instantly. This was on XXXX XXXX. On XXXX XXXX, a client paid an invoice in full in the amount of {$1200.00}, and received an email that successful charge had happened. Immediately after they received payment and took out their processing fee, they then send an email that my business is high risk, when it is in fact not in any high risk category as specified by payment processors online, closed my merchant account, and said that my funds will be held for 120 days and then will be re-reviewed. This has negatively affected our business as we had to complete client work without receiving payment and resulting in a loss for our business. I understand that payment processors will sometimes hold funds for risk, but 120 days is excessive. Upon further research and speaking to other business owners ( online and in person ), WePay has a track record of closing new accounts quickly and holding funds, and have even been documented as never paying out the funds after 120 days. This is awful business practice and illegal, and they need to be held accountable for seriously affecting small business operations for many businesses. I appealed account closure and funds withholding twice, and both resulted in no change of status, and little to no useful information as to why this has occured. This bank should be held accountable to disclosure of reasons for their actions. I even appealed the account category that they placed me in because it might have been a clerical error on their side, but as it seems, they do this to hundreds, if not thousands of businesses. I would like for them to release funds to me and for this complaint to reach them.
Company Response:
State: FL
Zip: 33406
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A