Date Received: 2023-10-05
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: Re : Dispute of two Chase credit card charges related to a XXXX XXXX car rental Disputed Charges Type : Partial Dispute Reason for Dispute : Bait-and-switch, Breach of contract Posted : XX/XX/XXXX Description : XXXX XXXX XXXX Reference XXXX : XXXX Amount Posted : {$1400.00} Amount Disputed : {$380.00} Type : Full Dispute Reason for Dispute : Breach of contract Posted : XX/XX/XXXX Description : XXXX XXXX XXXX Reference XXXX : XXXX Amount Posted : {$160.00} Amount Disputed : {$160.00} Statement ( First Dispute ) On XX/XX/XXXX, I made a car rental reservation with XXXX XXXX via the XXXX website, for pickup at XXXX XXXX XXXX XX/XX/XXXX at XXXX, and XXXX at XXXX XXXX on XX/XX/XXXX at XXXX, for XXXX XXXX XXXX sent me a booking email, which contained these details, the reservation number XXXX, and ended with the phrase, WE LOOK FORWARD TO SEEING YOU! ( See XXXX - Your booking request for XXXX XXXX. ) No further communication was sent by XXXX regarding this reservation, and, absent any further communication, this is sufficient for any reasonable person to believe they had entered into a contract for the reservation of a rental vehicle with the stated type, price, pickup, and return details. XXXX did have my mobile phone number, email address, and the ability to send a push notification to my mobile phone, but chose not to use any of these means to contact me beyond sending me the booking request email. Upon arrival at the XXXX XXXX XXXX rental counter, at or about XXXX on XX/XX/XXXX, XXXX XXXX informed me that at some point within the preceding XXXX XXXX had unilaterally XXXX the rental reservation. XXXX further stated that no similar vehicle was available for rent. XXXX informed me that they could only offer me a lesser car at a higher walk-in rate of XXXX. ( See XXXX - Rental Agreement.pdf. ) With no other way to complete my trip, I was forced to accept XXXX new terms a lesser car for a higher rate. This the difference in rental rates represents an absolute markup of XXXX, plus an undetermined relative markup for the difference in car quality between the reserved premium car ( XXXX XXXX XXXX, XXXX XXXX XXXX or similar ) and the lesser available car ( XXXX XXXX XXXX. XXXX was clear and adamant that they did not intend to honor the reservation price, they acknowledged that XXXX alone had cancelled the reservation, and they acknowledged that XXXX XXXX not have notified me of any such cancellation. XXXX engaged in clear bait-and-switch tactics, which are prohibited by law, by offering me XXXX product and then effectively forcing me to switch to a lesser, more expensive product. As such, XXXX is liable for the difference in rental rates of no less than XXXX. Chase appears to have converted this charge from XXXX XXXX XXXX at a rate of XXXX, thus the disputed difference of XXXX equals {$380.00}. Statement ( Second Dispute ) As per the rental agreement with XXXX, the rental car was due to be returned to the XXXX XXXX XXXX XX/XX/XXXX at XXXX ( i.e., a few minutes after midnight ). ( See XXXX - Rental Agreement.pdf. ) At approximately XXXX on XX/XX/XXXX ( i.e., approx. XXXX hours before the car was due to be returned ) I received a call from XXXX staff at XXXX XXXX XXXX XXXX return location. XXXX asked me what time I planned on returning the rental car. At the time I was approximately XXXX ( XXXX ) away from the rental return location, so I answered that I was unsure, but I was aware that the contract stated something like midnight that same night. XXXX informed me that they would not be available to receive the return at the contract end time and that I must either return the car before they left for the day ( i.e., within XXXX hours of their phone call ) or extend the rental for an additional day. While I can appreciate that XXXX might not be available for the car to be returned at the contracted time and place, this is not my fault and should not become my expense. Without my consent, XXXX extended the rental by XXXX day, resulting in an additional charge of {$160.00}. I was never given any receipt or documentation for this additional charge. Because this charge was at XXXX decision, for XXXX convenience, and in breach of our rental contract, XXXX must be liable for this entire extra expense. This was a charge for products or services that weren't delivered as promised.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I am a holder of the Chase Mastercard ( XXXXXXXX XXXX card ). " XXXX '', the partner of the Mastercard, advertized this deal below : XXXX XXXX XXXX XXXX XXXX returns, from XX/XX/XXXX XX/XX/XXXX, with incredible prix-fixe menus across the five boroughs and exclusive savings for Mastercard cardholders . Register your Mastercard now to automatically earn statement credits on qualifying meal purchases and NJ TRANSIT rides throughout the festival. Earn a {$10.00} statement credit each time you spend {$45.00} or more on meals at participating restaurants across the City up to {$30.00} STATEMENT CREDITS ON NJ TRANSIT Receive a {$10.00} statement credit when you spend {$20.00} or more on NJ TRANSIT using the same registered Mastercard up to {$30.00}. I have an issue with getting rightfully earned credits for the NJ Transit purchases. I have made 3 purchases of {$26.00} each in the first half of XX/XX/XXXX. Two purchases on my card show the train station XXXX and the third purchase shows XXXX train station. I have recieved only one credit of {$10.00}, and still missing two other {$10.00} credits for other two purchases. I have been calling their partner " XXXX '' at XXXX XXXX XXXX XXXX numerous times since late XXXX, and even the case number was opened which is XXXX. Everytime I call they are escalating the issue or promise that I will get a payment within 48 hours. I still did not get the payments after 40 days since I started calling them. I have called the Mastercard on XX/XX/XXXX, and again it was the same thing : " We will escalate the issue, and you will get something in 48 hours '' The last representative as well as the previous representatives from " XXXX '' promised to call me back to inform me about what is happening, but of couse they never call back. Please help me to get my {$20.00} ( $ XXXX {$10.00} ) credits. Thank you.
Company Response:
State: NJ
Zip: 07410
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I went inside on XX/XX/2023 to make a cash deposit at the chase bank with a teller, the next day I received a notice she did a hard pull on my credit report without asking for my permission and costing me 3 points.
Company Response:
State: TX
Zip: 75243
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Chase Bank is deliberately causing my bank account to be overdrafted despite not having overdraft on my account, they have also continued to violate the federal law and it has become now what i believe to be malicious. Here is a list of Issues I have had since opening my account. 1. They do not post real time transactions yet wait days to post transactions in whatever order will cause an overdraft 2. They transfer money from my account that seems to go nowhere, and without my permission 3. They will lie stating that transactions never posted yet clearly my records and statements prove otherwise 4. They refuse to investigate valid claims for transactions I dispute causing my account to become overdrafted 5. They have doubled payments sent by XXXX then debited my account days later stating tech diffuicultys and then posting transactions during such time I had money but causing my account to overdraft once the money is removed without my knowledge 6. I have proof that they doubled a XXXX payment that was only sent one time, my friend who sent the money also banks with chase and has never had this issue before not once until XXXX of XXXX 7. They have doubled ATM transactions that never happened 8. They have approved ATM withdrawals despite having no Overdraft protection and no money in my account 9. They have delayed making bill and credit card payments waiting to post them for over a week which were not debited the moment I made the transaction so they were returned unpaid despite that I had the money to pay them. 10. They have reversed posted payments to my credit card company one week after the transaction 11. I have lost all of my credit cards due to these reversals and now my credit score is completely destroyed. 12. I have to pay double ATM fees at non Chase Atms which is about XXXX per transaction which includes balance inquiries. 13. I had to pay ATM fees at non chase bank ATMs despite not having a Chase ATM location in my Town at all until a year after I opened my account. 14. SInce XXXX of last year I have incurred XXXX dollars in Atm Fees and half of those are posted after by chase for a non ATM transaction. 15. I had fraud which caused me to lose nearly XXXX dollars. Chase only helped me barely recover XXXX, they refused to go back further to help reimburse me for their clear mistakes. 16. After XXXX dollars in ACH reversals due to fraud that chase helped me recover, I was then put into collections by the ACH clearinghouse due to non-payment of these transactions. 17. I received a 1099 in XXXX sent to my son 's minor chase first account. The 1099 was in my name and said I was paid XXXX in interest. I have called and inquired more than once about this 1099 that I have no clue what it is for and why it was sent to my son. Not one person has helped me find the answer, I still have no clue what it is for. But it was reported to the IRS and I had to claim it on my taxes despite not knowing what it was for. 18. I have reached out to chase via messages, and phone calls more times than I can count to get help with all of these issues, I have even gone to the local branch. I have had no resolution. I have no overdraft on my account, I have no interest bearing accounts to my knowledge, 20.I am XXXX with XXXX XXXX XXXX and reached out for help due to this because of so many issues with my transactions, chase ignored my request for help through the American with disabilities Act, and still have never acknowledged my requests for assistance. Below is a list of evidence i have in my possession to prove these issues They include Links of screen recordings taken at the time of the overdraft or account transfers 1099 issued to my sons account that I have no clue where or what it is from or why it was even put on his account and not mine Side by side account transactions from different dates proving they were changed by the bank Bank statements that do not match the account transactions Messages to and from me and chase Proof of Disputed transactions not resolved from a year ago in my account despite it just recently being reopened without my knowledge
Company Response:
State: WY
Zip: 82007
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I live in Hawaii, and every time that I need to call Im always hooked up with a call station out of XXXX, or the XXXX, thinking that they would help me and I told them that I was having problems with the tutorial with XXXX credit card that it didnt look like The occurring charges were taken off this also happened when I did the same thing to Chase and it took me at least 20 minutes on the tutorial to find the recurring charges on both credit cards when I did find them I took both of those recurring charges off of both credit cards of course I started with one credit card was it was XXXX and then when I found out the XXXX was not accepted credit cards anymore I changed it to Chase and found out that they would not accept credit cards anymore. After that I contacted XXXX and started using a debit card on both accounts of XXXX and Chase I had a perfect record of paying my bills on time for approximately three years. everything on time it didnt take them but couple of weeks to throw me in delinquency but every time I try to expedite us Id call at XXXX XXXX in the XXXX, figuring that I could talk to a representative on XXXX credit card or chase credit card representative and I always got a representative from the XXXX XXXX XXXX XXXX They said that they would pass this information on because there are representatives of these companies. Finally I talk to a representative on both credit cards And they said they never had no response from neither of these call stations.
Company Response:
State: HI
Zip: 96813
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. JPMCB - CARD SERVICE XXXX was reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Company Response:
State: NV
Zip: 89074
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 I had a merchant called XXXX XXXX XXXX TN pull 6 unauthorized charges totaling {$280.00}. I disputed the claim with my Chase bank as fraudulent charges and they temporarily reversed the funds on XX/XX/2023. On XX/XX/2023 I noticed the money was pulled out again, they reversed the charges, pulling out {$280.00} from my account again. Today, XX/XX/XXXX, upon calling them and inquiring why they are accepting these fraudulent charges to be pulled out of my account, I was told that they could not find any contact information on the merchant therefore were unable to contact anyone regarding the charges so there were no funds to be recovered. These charges are fraudulent and there is no information online to be found as to who or what this merchant is. I was never in Tennessee, where these charges were supposedly made. There is no contact information to be found on this merchant.
Company Response:
State: FL
Zip: 32937
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
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 XXXX My Chase Freedom credit card was charged by Justfly.com twice for an unauthorized use. I called Chase Fraud department to report the unauthorized use and they put a temporary charge back on my card. 2 months later, Chase sent me a letter saying that they put the charges back to my card since they have deemed the charge as legitimate. My authorized user and I did not access XXXX website due to previous problems with the company so how can they say that the charge was legitimate. Also, upon trying to contact XXXX, their phone numbers are all automated which require a reservation number. Because I didn't use their services, I'm not able to bypass the automated call and speak with a real person about the charge. Around XXXX of 2022, I already had to dispute a charge connected to Justfly.com and I ended up having to complete the payment due to the dispute department saying that I am responsible for the charges. Because I did not want to have to deal with the problem any longer, I just paid for it in full. My mistake was I did not change my credit card number which may be the reason why XXXX was able to make a new charge in XXXX. Now that I have received the letter from Chase that I was charged back for the unauthorized use of my credit card, I contacted Chase fraud department again to escalate the issue asking how I they decided that my charge was legitimate. The associate I spoke with said that the merchant told them that it was my authorized user that made the purchase. I verified with my authorized user and she told me that she had not had any contact with XXXX since our bad experience with them in XXXX.
Company Response:
State: CA
Zip: 92880
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: All accounts listed for each bureau that I have uploaded are NOT my accounts. I have gone thru the FTC website, also submitted my own paperwork with the 605b and 609e, attached but to no change at all. The police would not let me do a police report because they said my ID is valid which what was used to get the vehicles and credit cards, but it was not me. Please help immediately please.
Company Response:
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I booked a trip to XXXX XXXX with Chase Travel, I had to cancel the flight and recieved flight credits to XXXX and XXXX. They are making it impossible to use the credits. I have called three times trying to use them and get sent around and provided no resolution as they basically wait me out so I can't use it. This is essentially stealing {$1800.00} from me. I should be able to book a flight with them in a timely manner but they are making it impossible.
Company Response:
State: IA
Zip: 52246
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A