Date Received: 2023-09-26
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XXXX I applied for a Chase XXXX XXXX XXXX via the XXXX XXXX website. I applied for this credit card under the promotional offer of {$300.00} statement credit ( after first purchase ) and XXXX bonus miles. The {$300.00} statement credit was the ONLY reason I applied for this credit card. On XXXX I called Chase customer service to acquire in the stated promotion and was told that Chase has the right to change the promotional offer at will. This is a classic bait and switch. Again, I would never have applied for this credit card, and impacted my credit score if it wasn't for the advertised / published offer of {$300.00} statement credit. After a second call to Chase customer service, I was told marking would get a " service ticket '' on XXXX I received an email from Chase stated I was NOT eligible for the advertised {$300.00} statement credit. No explanation. Again, obvious Bait and switch tactic!!
Company Response:
State: TX
Zip: 75231
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I had a Business Checking Account with Chase Bank. I changed the name of my business with the Texas Secretary of State. Chase was unable to process the name change after 2 in-person meetings and closed my account and issued a check in the old business name that no longer exists. Below is the timeline of events, I am still trying to recover the missing funds : XX/XX/2023 at XXXX XXXX PT : In-person meeting at XXXX XXXX , XXXX XXXX XXXX , XXXX, CA. I provided certificate of amendment for name change. Name was successfully updated on online accounts. I am told name change is complete. XX/XX/2023 : I receive automated e-mail " Contact us by XX/XX/2023, to keep your account ( s ) open ''. Chase does not seem to have fully processed the name change from our previous meeting. XX/XX/2023 at XXXX XXXX CT : In-person meeting at XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX. I provided the amendment documents for a 2nd time. I was told the new business name had successfully been updated. XX/XX/2023 : I receive a check in the mail and notice that my account has been automatically closed. Check is issued in the old business name and I can't deposit it ( since the entity no longer exists ). XX/XX/2023 : I meet with Branch Manager to try and resolve the issue with my account and the check that can't be deposited since it is issued in old business name. After spending 1-hour in the branch with no progress, I inform them I would like to close accounts and request for a new check to be issued in the correct business name or my personal name. Branch Manager promises me check will be issued. I have an e-mail documenting this. XX/XX/2023 : I still have not received funds. I e-mail the Branch Manager asking for update. XX/XX/2023 : I contact Branch Complaint Escalation Group Re : internal Case Number XXXX. XX/XX/2023 : I e-mail Branch Manager again, and I receive a response from Branch Manager saying they are " working diligently to get this taken care of. '' I am promised an update on XX/XX/2023. XX/XX/2023 : No update. XX/XX/2023 : I drive to branch to attempt to speak with Branch Manager in person. I am told she is busy. At XXXX XXXX I receive an e-mail from Branch Manager requesting name change amendment documents ( for the 4th time ). I submit via e-mail. XX/XX/2023. I am still missing funds from liquidated account and file complaint with CFPB.
Company Response:
State: TX
Zip: 78723
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested. I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine. I ask you to provide the following information 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( F ) in this alleged matter? 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state? 5. Please evidence proof of the alleged debt, specifically the alleged contract or other instruments bearing my signature? 6. Please provide a complete account history, including any charges added to this collection agency or any account? 7. List of all names and contact information of all employees that was spoke to regarding this account or collection? You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it. For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status XXXX XXXX
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/23, I made a purchase on the XXXX app for {$150.00}. I paid extra for a quicker delivery.The item in my order was a pair of sneakers, the sneakers was needed for my upcoming vacation on XX/XX/XXXX. The sneakers didn't arrived by its XXXX date. The carrier XXXX kept changing the information on the online tracker. Stating that the sneakers was out for delivery but yet never came. I contacted XXXX multiple times to no avail in receiving help. Seeing that my package clearly was never going arrive, I made a dispute with my bank ( Chase ). Chase denied my claim because according to them XXXX submitted proof that the item was delivered. The proof they submitted is just a black photo. There's no way I received the sneakers on XX/XX/XXXX because I was already on vacation. ( I have the itinerary to prove that ) A rep at Chase, told me I could file another dispute for the same transaction being that XXXX was suppose issued a refund. Once again Chase denied my refund. I never received the products and I been robbed out of {$150.00}. If my bank not going have my back when it comes to merchants then who will? Who suppose hold these companies and financial institution accountable? I submitted evidence on multiple occasions.
Company Response:
State: NY
Zip: 11208
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: someone opened up a line of credit and a checking account at JPmorgan chase in my name. It also showed up on my credit report. I called chase bank and they were able to I called XXXX to have the fraud alert put on account and to have the inquiry removed.
Company Response:
State: NY
Zip: 11756
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: When logging into XXXX online or on a mobile app, there is a prompt that forces you to accept new conditions, otherwise you can not login to use any online services. There was no warning of this change of terms allowing time to read and understand them before they came into effect. I am instantly, without notice, locked out from accessing any of my account features unless I accept the new terms. The new terms are specifically two documents : - a 10-page " Online and Mobile E-Sign Disclosure and Consent Agreement '' and - a 125-page " Digital Services Agreement '' There is no summary of changes to know what is different compared to before. Having all services effectively withdrawn from customers without notice pending acceptance of XXXX complex pages of legally binding documents is outrageous and should not be legal behavior. Clearly the expectation is for everybody to just blindly accept the terms. I understand that this is not limited to Chase credit cards but Chase banking products/customers as well. See the following for additional impacted consumers : XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30306
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
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/2023 someone purchased concert tickets in Pennsylvania using our credit card. We were in California at this time. We were first alerted to this when XXXX received a text from Chase asking if the purchase was legitimate. We said no. The text response said we had already approved the purchase. We then logged into XXXX 's email account and saw that someone was actively in his account accessing and deleting emails. We attempted to log them out but were unable to with XXXX. We contacted the Chase fraud department to alert them of the purchase, gave the information on how the email seems to have been hacked. We also contacted XXXX the site the tickets were purchased from to alert them of the fraudulent transaction. We were able to save one email before it was deleted and I sent that email to XXXX alerting them that it was a fraudulent transaction and to cancel the tickets. Chase then put the charges back on our credit card stating that XXXX said they were a legitimate purchase. I then sent Chase Fraud Recovery the email I sent to Gametime telling them it was not legitimate and then sent a following email with my call log showing I had called Gametime to alert them of this fraudulent purchase.
Company Response:
State: OH
Zip: 453XX
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: - XX/XX/XXXX received notice from a lender because of form IRS XXXX- pursuit lending notified had outstanding balance of XXXX with IRS - XX/XX/XXXX researched that evening and knew I had paid and found out on XX/XX/XXXX chase improperly withdrew funds and paid XXXX XXXX and endorsed to an individual called XXXX XX/XX/XXXX called that evening and spoke to CHASE- told me need to fill out unauthorized endorsement and claim would not start until filled out and faxed from branch - XX/XX/XXXX filled out police report - XX/XX/XXXX Same day went to chase XXXX XXXX and emailed and faxed- confirm by team member - XX/XX/XXXX called claims did not receive- NO ANSWER same message XXXX days and 30-60 days to conclude and see what the claim will be - XX/XX/XXXX claims by phone still did not receive and suggested email from branch to supervisor and upload the file via email - XXXX on phone lso told to fax document from IRS from penalty and fees, called IRS can not do anything it is not their fault and can only fill out a document after to waive the penalty - XX/XX/XXXX phone claims received document but said missing marked check told to check the appropriate box - XXXX- Checked the right box and faxed with branch manager in in XXXX and told to fax again and I did check mark - XXXX- called again claims by phone said they saw paperwork but did not see check mark - XXXX- went to branch and had manager verify received and check marked - XXXX- spoke with chase executive services and XXXX handling case - XXXX- XXXX confirmed that claims did not receive proper documentation from XXXX- took another week until Wednesday/Thursday for XXXX to speak to branch manager XXXX - XX/XX/XXXX spoke to XXXX she confirmed on XX/XX/XXXX info was sent to XXXX XXXX but can not insure for the interest owed to the IRS said she would speak to managers and get back to me and that the case now may take 120 days to event resolve and not even guarantee funds will be retuned
Company Response:
State: NY
Zip: 10014
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I have a checking account on Chase, and on the day of XX/XX/, I checked my account received an alert saying my accounts will be closed shortly. And I immediately called the customer service, the agent said I will receive my check within 10 business days of my account closure. But today XXXX XXXX, XXXX, I called Chase customer service again to confirm when will I receive my funds, the agent says she couldnt confirm when can I receive it, the funds is on hold for authorize but didnt ask me for any proof. I would need it for normal living and paying the rent and paying the credit card. I understand Chase decided to close my account, but why couldnt I having my money back while its only about XXXX from my employers direct deposit and my personal used items sales also currency exchange. I need to pay the debt I have and my rent and my credit card or my credit would also be affected. I saved these funds in last 3 years since I started working.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Credit was ran without my consent and credit bureau neglected to contact me for consent. Despite note on my account, making them aware to do so due to fraudulent activity
Company Response:
State: DE
Zip: 19713
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A