Date Received: 2023-10-10
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Dear agent, I recently moved from XXXX last XXXX due to job offer as doctor at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As soon as we arrived, my wife and I opened a joint account at Chase Bank. My wife is also a doctor and our house income is expected over $ XXXX. Since the opening date we are facing problems with Chase to get a Credit Card. I understand that as foreign individuals, we don't have US Credit Score, although we have XXXX XXXX XXXX. However, our professional positions and family income should be relevant to obtain a descent credit card and credit limit. After many discussions a Credit Card with {$5000.00} limit was issued. Since then, the credit card has been paid weekly with absolutely no delay on payments. Now, 3 months after, I requested to increase the credit limit since {$5000.00} does not meet my family 's needs. As you can imagine, we are in 4 and our expenses are high. For example, we are booking our holiday trip and I can't by the flight tickets for we all because the limit is not enough. For my surprise, Chase, AGAIN, denied my request. Here are the main factors for a Credit Score : 1 ) Payment history : Absolutely respected with no delays. 2 ) Amounts owed : Here we have the problem. Even if I pay the credit card weekly, my family expenses are HIGH. So, with $ XXXX limit, it is obviously that the percentage of credit we are using it is also HIGH. That's why we need to increase the limit! 3 ) Length of Credit History : Nothing we can do to change time. 4 ) New Credit : I have XXXX credit cards with CHASE ( XXXX and XXXX XXXX ). Prior TD Bank credit card is cancelled ( because I believed that Chase would provide me something better ). And I have a XXXX XXXX. That is all credit I have. So, as you can see, on my end, there is nothing I can do to change the factors exposed. However, my family income and payment history should be enough for increasing the credit limit.
Company Response:
State: FL
Zip: 32259
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Each month I wire out about $ XXXX for my XXXX father 's XXXX board and care. Every few months I go to his bank and get a cashiers check for reimbursement. XX/XX/XXXX A cashier 's check from XXXX XXXXXXXX XXXX was deposited into my Chase Checking account via ATM in the amount of {$17000.00}. Prior to my deposit my account balance was around {$3000.00} XXXX The hold was cleared and I paid bills in the bank mobile ap ( about {$3000.00} ) and sent a wire via mobile ap ( about {$7000.00} ) XXXX Went to bank ATM ( at bank ) to withdraw {$2000.00} to pay construction workers at my home. I was unable to withdraw funds and my access to online banking was frozen. I spent 4+ hours at the bank trying to ( and successfully resolving the hold ). I had to pay the workers at my home for an extra hour because they couldn't leave until they were paid. XXXX The USPS delivered a letter alerting me to an issue with my deposit and that if I didn't contact Chase immediately they would close my account. XX/XX/XXXX Access to my online banking still wasn't resolved and I had to make another phone call explaining the issue again. When asked " why didn't chase contact me? '' I was told that it was all automatic and the onerous was on ME to contact them to resolve the issue. How was I to contact them when I didn't know there was an issue- until the issue was big? My husband and I specifically got a cashier 's check from XXXX XXXX so the there wouldn't be a long hold time. I was treated like a thief in the bank AND on the phone. I can understand issues with fraud, but I can't understand why I didn't receive a text or phone call alerting me of the issue. I also can't understand why they needed to speak to me before contacting the issuing bank institution.
Company Response:
State: VA
Zip: 23220
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I paid off my credit card, saw the balance as XXXX and after a few days, I noticed that I'm being charged again for interest charged when I paid off the balance.
Company Response:
State: NY
Zip: 11214
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
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: Dear CFPB, I disputed a charge of {$890.00} with Chase bank for the merchant XXXX XXXX XXXX, and got a denial. The original transaction date is on XX/XX/XXXX, and it got rebuilt to my account after the dispute denial on XX/XX/XXXX. I wrote a letter to appeal the dispute result, and got denied again on XX/XX/XXXX saying that the transaction is valid. I travelled in XXXX XXXX, and a person in spider man costume asked me to take a photo with me and my girlfriend. After taking the photo, he asked for a tip of {$9.00}. However, I was charged {$900.00}. He left already when I realized that I was charged the wrong amount. In the reply letter provided by the merchant for the dispute, they claimed that I bought XXXX paintings and they gave me additional XXXX for free. This is not true, because I just took some photos and never bought anything. In the receipt provided by the merchant, it does not have any itemization that shows what I bought. The address on the receipt is also wrong. It says XXXX XXXX XXXX, XXXX XXXX, California XXXX. This address is actually for XXXX XXXX XXXX from XXXXXXXX XXXX and it does not sell any paintings. The receipt also does not have my wet signature on it although it writes signature verified. I never put my signature for this transaction. In the appealing of the dispute denial, I also attached a copy of police report that I filed after I found that I was charged the wrong amount. I also attached the photos that merchant took for my girlfriend, but Chase bank did not look into these and just said they already reviewed all the information to determine the validness of the translation. Furthermore, in the whole process, I have experienced a lot of trouble communicating with Chase. They first said that I should reach out to Fraud department, and then Fraud said I should speak with Dispute department. After several correspondence, Dispute department finally agreed to open a case for me. There is no clear ownership from the different departments, and I feel confused on who should I reach out to. Thank you
Company Response:
State: CA
Zip: 94043
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have been banking with J. P. Morgan Chase for at least 15 years. Initially, I had access using my cell phone, and not long after, I had online access. I have XXXX checking accounts with Chase, a savings account and XXXX credit card accounts with Chase. Online access has played an instrumental role in staying on top of things. A couple of days ago, I tried to access my bills online. After entering my login information, a message appeared on the screen instructing me that I had to accept the agreement in its entirety or I could no longer have access to my accounts. Before I can continue to access my account, I must agree to electronic communication and authorize them for electronic signature. It is presented as agreeing or not to use our site even though we have your funds. This is unacceptable to me. I value my signature and don't feel comfortable approving someone to use it as they see fit without consulting me. I want to know when and why my signature is being used. I don't want to find out after the fact that something happened as a result of my authorizing the use of my electronic signature. That I did not agree with or approve of. It would also create a hardship for me to have to close out the accounts with Chase and seek out another bank to fit my needs. I don't think Chase should be able to block me from my accounts when I owe them nothing and they are profiting off my accounts. Having online access is very helpful in managing and keeping track of my funds.
Company Response:
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: No purchase was made : When I tried to purchase one XXXX XXXX supplements I could not make a single purchase, they the credit card co. chase amazon wanted me to sign up for a subscription plan for multiple bottles. I tried several times to order without signing up for a subscription. " on XX/XX/23 afternoon from my computer. ''
Company Response:
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Another email was received from Chase ( see attached ) saying, " Thanks for requesting a new credit card. '' I did not request a card from Chase. Because Chase had a fraudulent application in my name in XX/XX/2023, I called to see if this was another attempt. On XX/XX/2023 the application team stated there were no applications under my SSN or name. On XX/XX/2023, Chase fraud team also stated that there were no applications under my SSN or name. I asked why I would have gotten the email thanking me for an application and was told it was probably a phishing email with fraudulent links. I have checked the links and it does not appear to be a phishing attempt but appears to be from Chase. With the fraudulent application in XXXX, Chase kept sending " thanks for applying '' emails every time I called them. It appears Chase has a problem with their system. I submitted XXXX reports to CFPB, XXXX for the fraudulent application and XXXX for the problem with the " thanks for applying '' emails. The XXXX email came from XXXX. There were XXXX links in the email XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am sending these for Chase to determine if they are phishing or to confirm that Chase is sending these emails so they can correct the problem.
Company Response:
State: AZ
Zip: 85388
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize any of these inquiries : XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Television & Radio XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Unions XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + All Banks XXXX Inquiry : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing JXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing
Company Response:
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XX/XX/XXXX responding to an online welcome bonus offered by Chase Credit cards I applied for a Chase XXXXXXXX XXXX XXXX with a welcome bonus of XXXX points if you spent XXXX on purchases in the first 3 months from when your account is approved. Plus an additional XXXX points after you spend XXXX within the first 12 months if opening. My account was approved on XX/XX/XXXX and about 1 week later I received my card to use. I quickly spent over XXXX on the credit card. I received an email shortly afterwards congratulating me on reaching the goal and I would receive XXXX points since I spent XXXX on the account within 3 months. I immediately called Chase and informed them that I should be due XXXX as that I had applied online to receive XXXX offer not XXXX. They said they would Research and get back with me. On XX/XX/XXXX I received a letter stating " We appreciate your interest in our new offer to receive XXXX bonus points. Unfortunately, your account isn't eligible to receive it. Promotional offers are only available for select credit cards and aren't transferable between accounts. '' I called spoke with a supervisor and he said he would research this again. Yesterday XX/XX/XXXX I called and the supervisor said that there was nothing they could do but XXXX was all I would receive. BTW the XXXX offer I applied for was still online as of yesterday. I informed the supervisor I even had a picture of the offer and they should be able to research and see that I clicked on the XXXX offer and I did not even know a XXXX offer was available. This has harmed in 2 ways first I didn't receive to appropriate points for the offer they posted online and second I could have charged XXXX on another airline and in doing so received a free companion ticket on that other airline. Please help. I have been " Bait and switched " Thank you XXXX XXXX.
Company Response:
State: OH
Zip: 43026
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I noticed my bank had made duplicate credit card payments to Chase Bank for the XX/XX/2023 balance statementthe total amount of {$190.00}, which was charged twice. I contacted Chase Bank on XX/XX/XXXX to report the issue, and they assured me they would send me a check for the duplicate amount. Since then, I have often followed up regarding my {$19000.00} refund, and each time, they give me excuses like it is in the mail, once they told me it was unclaimed, etc ..... However, it's been over one month. And I have not received my refund.
Company Response:
State: CA
Zip: 90706
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A