Date Received: 2023-09-25
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I got an offer through email for a fixed fee " mychaseloan '' against my Chase reserve credit card in in XXXX / XX/XX/2023. We thought it was a great idea since we wanted to do some home projects. I took out 2 separate my chase loans ( In XXXX {$4500.00}, XXXX {$13000.00} ). Read all the terms and conditions, and understood if I made the interest saving balance, it would cover my loan plus new charges and I wouldn't get charged interest for continuing to use my card. Looked at my home screen on the app and APR said 28.94 on the chase app, and also on my statement. So I did make the mistake of making my first payment before my loan closed, called chase, and they explained on the first call in XXXX to me since I didn't have a statement balance yet it went towards the mychaseloan.I was told don't worry and as long as next month make sure you only pay interest saving balance, which INCLUDES monthly loan payment, and this will not happen again. So my statement now says interest saving loan balance is XXXX where it shows the payments is a colored section and breaks down these numbers. So I make sure to only pay my interest saving balance. Same thing happens again, it applies to my chase loan only, and not my statement at all. So now my statement balance is ballooning, i call chase again. Talk to a supervisor again, they go through it with me and says to check XXXX & XXXX ( I did ) and I have to write an appeal to a fax number, so I sent a letter explaining there is a mistake with how my payments are being applied. Get denied again, and at this point I am freaking out because my statement balance now reads over XXXX, even though I put another XXXX payment ( loan amount plus XXXX, XXXX, XXXX charges ) I call again and finally when I'm talking to another supervisor - they see in tiny print AFTER all my apr and statement amounts it says there's a 4.99 promo APR rate. That was automatically applied ( chase rep 's words ). I was NEVER aware of this promotional APR rate, and through the multiple times I called chase, none of their reps ever told me it was on there. It was applied XXXX XXXX. My issue is I did not know this promo was on my card since I did not sign up for it, nor did I see it when logging onto the home page of the app. the app said my APR was 28.74 Cahse has said legally they had apply the payments to the highest interest rate, so my payments all went to the mychaseloans and not the balance. I can't find a record in my emails of the 4.99 promos at all. So chase refuses to change any of the payments but their statements are extremely misleading. They amounts are separated and printed in color to highlight what should be the statement amount, chase loan amount, and interest saving balance, when in fact none of the payments I made were interest saving. This was very deceitful from teh beginning, they should NOT have offered me the " promo at 8.99 % for mychase loan " at ALL, since i was duped into paying off it first. I feel extremely mislead and duped and now in a horrible situation
Company Response:
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: My Chase checking account was hacked from my debit card. They made two transactions on XX/XX/28 to XXXX XXXX XXXX XXXX XXXX XXXX. One for XXXX and the other for XXXX. This is a foriegn company from XXXX. I contacted my bank Chase and they return the money back to my account. They told me they would do an investigation on this matter. About three to four weeks later they took those amounts back out of my account with no notification. When I inquire about this to the bank, they told me after the results of their investigation they determined the transactions were legal. I explained I've never been to XXXX and I don't even own a passport. They said I had to give them some proof that I didn't make those transactions. When I ask what proof I needed to give them, They wouldn't tell me. I'm a XXXX XXXX living on Social Security. I can't afford to take trips to foriegn Countries.
Company Response:
State: OH
Zip: 43219
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: This report is regarding claim XXXX XXXX XXXX XXXX XXXX XXXX for {$1900.00}. On XX/XX/XXXX, I received a text message notice for suspicious fraud activity occurring on my Chase debit card ending in XXXX, under the name XXXX XXXX XXXX XXXX MI for a total of {$5.00}. Chase, in text, asked me to confirm if this activity was me. I replied NO. Chase automatically deactivated my card and notified me that they will be sending me a new card [ ending in XXXX. Card info relevant towards the XXXX evidence statement ] .I gave Chase a call to confirm suspicious activity was taking place under the XXXX XXXX XXXX, and they helped me begin my XXXX claim to refund it, and reset my username and password on Chase . That was the end of the call. That claim number is XXXX XXXXXXXX. I had assumed my account was now secure and I could move on from it while I wait out the claim. On XX/XX/XXXX, I noticed there were many more charges that had been placed during XX/XX/XXXX. XXXX more charges to be exact, each of them being below {$100.00}. It was under a new name of XXXX XXXX XXXX XXXX resulting in a total of {$1900.00}. The transaction merchant type says lawn and garden store, and the method was done in-person. I have no recollection of seeing these charges at the time I was on the call with Chase on XX/XX/XXXX regarding the XXXX claim [ # XXXX ] with the XXXX XXXX name. Chase had never sent me a second text message alerting me of this new XXXX XXXX name that took place on my account. The Chase representative I had been on the phonecall with on XX/XX/XXXX regarding the 1st claim also never asked me about these additional charges while we were on the phone. Unfortunately I missed these charges while they went past pending and into completed transactions. Once I took notice to these charges on XXXX I immediately called Chase in distress and said that we need to make another claim for this {$1900.00}. I told the representative, these charges should have NEVER gone through on my account due to my chase account already getting flagged for suspicious activity. I was under the impression that my account was safe and everything would be okay. My new card was once again deactivated and they sent me a new one ending in XXXX. A new, 2nd claim, was then created for the {$1900.00} on XXXX That claim number is # XXXX. Both claims show that they originate from XXXX, but the payment method used was through XXXX XXXX, which was linked to my debit card and ultimately charged on my Chase account. Chase later denied my 2nd claim [ XXXX XXXXXXXX ], and is still processing the 1st claim as of today 's date of XXXX On XXXX I filed an appeal for the 2nd claim with the balance of {$1900.00}. My appeal listed evidence including : 1. A Chase text message asking me to confirm if XXXX XXXX was me. 2. Evidence on my XXXX XXXX that I have no suspicious activity being sent there. Only money sent was towards friends. 3. Evidence that I contacted XXXX XXXX to confirm XXXX transaction history can be seen on my account using the original debit card. The results show no history for the month of XXXX or XXXX. 4. Lastly, a written statement from XXXX telling me they were unable to find any history using any of the 3 debit cards listedthe original one the fraud charges were made under, as well as the 2 cards that Chase replaced. When I asked XXXX if my cards were listed on any other foreign profile on their platform, they told me they could not find it anywhere else either. Chase once again denied the appeal. Chase told me their reason for denying both claims is due to 1.checked systems were able to confirm that no new devices were added onto my profile, 2. The device used was consistent with what is used on my login history, and 3. There were no login failures. I have since filed a police report with the XXXXXXXX XXXX XXXX Police Department on the date of XX/XX/XXXX. I feel wrongfully accused by Chase. I had previously alerted Chase of suspicious activity on my account. I should have been protected before these charges were finalized, because I did not authorize these charges. *I should not be responsible for any unauthorized purchases made on my bank account. *
Company Response:
State: CO
Zip: 80550
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My block was unlocked owing to l suffer a fraud the bank is not helping me l got it as a XXXXXXXX XXXXXXXX and as l am not in US they dont give me real assistance or support at least that l go directly to the bank but l cant, l have call to all the numbers that they gave me and wait but they havent help me
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have closed my Chase Credit Card Account ( XXXX XXXX Rewards Business Card ) because Chase is now charging an Annual Membership Fee of {$99.00} on my existing account. I do not want to pay for the NEW charge. I called Chase Customer Service as soon as I received my XX/XX/XXXX statement that included this new annual fee. I called on XX/XX/XXXX, and requested that my account be closed immediately, and that the {$99.00} annual membership fee be immediately removed from my account. Chase did close my credit card account properly. But, now 10 days later, the {$99.00} fee still appears on my account. I called today ( XX/XX/XXXX ) and spoke with a customer service representative and a supervisor. I was told that it would take 1 to 2 billing cycles for this charge to be removed from my account. I was told that their " system '' could not handle removing this charge immediately. This is unacceptable. If I wait until this charge is actually removed, I could end up with a negative mark on my Credit Report. Just because Chase 's computer system is unable to remove this charge makes no sense to me. Just because Chase 's computer system is unable to remove this charge, I could suffer from a negative Credit Report. Again, this is unacceptable. Please ask Chase to immediately remove this {$99.00} Annual Membership Fee from my closed credit card account. Thank you.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Talk to this company, several different times, asking them to close my account and make payment arrangements with me they would not I also talk to managers they would not help me either told me I qualified for hardship program and then transferred me to credit counseling more than once I have close the account but they are still charging me late fees and high interest rates I just wan na be able to make a reasonable payment a month.
Company Response:
State: CA
Zip: 95482
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had a checking and savings account with Chase bank for 18 years until XX/XX/XXXX my main checking account was hit with a fraud scam. I didn't realize it until about a week later.Whoever gained access to my account put in reversals of bills. 3 bills totalling {$140000.00} on XX/XX/XXXX. 6 bills on XX/XX/XXXX totalling {$3400.00}. They then sent {$1400.00} to my XXXX XXXX account and sent it to themselves. They again did XXXX more reversals on XX/XX/XXXX totalling {$3000.00}, and then again sent the money to into my XXXX XXXX account and sent it to themselves, totalling {$3400.00}. Again on XX/XX/XXXX they did 4 more reversals totalling {$3000.00}, and sent 2 transactions to XXXX XXXX totalling {$2600.00}. XXXX again 2 reversals totalling {$560.00} and then remotely deposited XXXX fake checks with my electronic signature, that I never saw all within $ XXXX {$0.00} of each other totalling {$2100.00}. On top of this they sent {$800.00} from my stepdaughter 's savings account into my checking account, and sent another {$4800.00} through my XXXX XXXX. On XX/XX/XXXX, deposited another XXXX fake checks totalling {$790.00}. XXXX all of the checks were returned by Chase and again another {$600.00} was sent through my XXXX XXXX. Chase finally opened a compromise account, and more 5 reversals were done on XX/XX/XXXX totalling {$2000.00}. I moved everything to another account as of XXXX, but more reversals continued now through my compromise account all through XXXX totalling {$5700.00}. I was on numerous calls with Chase, they kept closing my claims that this was all incorrect, saying I requested it, when I didn't even know you could reverse payments that had processed and cleared already. I had my whole phone cleaned out and now even have a new device. I received one call supposedly from Chase Fraud one evening, XXXX, where they asked if I was making a purchase in XXXX, Florida. I informed the rep I lived in XXXX, Texas and was sitting in my living room. He declined the transaction, and asked about a {$200.00} XXXX transaction, which again I did not authorize. He then began asking me about XXXX payments to a XXXX or XXXX XXXX in XXXX, FL. I have never heard these names nor know these people.. they cancelled the transactions that night, but XXXX tried XXXX the next morning and {$990.00} worth of XXXX payments was pushed through to her. I have kept calling chase trying to disupute these reversals, XXXX XXXX and XXXX payments, and have really had a hard time getting things resolved. My account ended up $ XXXX, and chase repeatedly calls wanting me to make the account current. I told them I don't have the money and am not going to pay for things I did not authorize even if I did. They finally made the decision to close all of my accounts. One claim came back saying they agreed I did not make the XXXX payments, and refunded me the {$990.00}, but I have to wait for them to mail me a check for that balance. I disputed all the XXXX XXXX transactions, but chase is denying the claim without giving me a reason in writing and when I call, all they say is they denied it because they don't have recovery rights with XXXX XXXX. I am needing to know why none of this is not covered under Regulation E, as I did not initiate any of the reversals, so why would I go spend the credits for something I never even inquired about? I do have a case open with XXXX XXXX that is being investigated, but originally they did deny all the refunds when I reported it all as fraud as well. I've done my research and all of this should be covered under Regulation E, but I am currently taking a loss since this is not getting resolved.
Company Response:
State: TX
Zip: 76049
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Date of inquiry : XX/XX/2023 Claim number : XXXX Card ending in : XXXX Claim related to account ending in : XXXX Amount : {$2400.00} Included : 17 fraud transactions Please allow this to be the explanation and complaint to Chase regarding the fraud claim above. On XX/XX/2023, I needed to use my debit card to pay for my college tuition and realize that the account balance is very low. I found out there are XXXX fraud transactions. From XX/XX/2023 to XX/XX/2023. I then called chase right away to report the frauds transactions. XXXX then separated the XXXX transactions into XXXX claims by their own criteria : -Claim XXXX : XXXX => XXXX transactions -Claim XXXX : XXXX => XXXX transactions This complaint is regarding the Claim XXXX with XXXX transactions. XXXX then sent me a letter on XX/XX/2023 to denied the claim without a reason. I called chase and they told me that denial reasons are because : XXXX. The transactions are verified by PIN. 2. There was Fraud Alert text to my phone number to confirm and I replied 'YES ' 3. There are merchant that I did business before such as XXXX. XXXX. I told them the last verified transactions are on XX/XX/2023. For all the the reasons above, I don't see XXXX is making any sense. As the pin can be easily stolen when I use my card at a public space. The fact that I shopped at XXXX before with that card, and then the person who stole the card also shopped at XXXX with that card does not mean that I authorized the transactions. The last verified transactions are on XX/XX/2023 does not mean anything, since the first reported fraud transaction happened on XX/XX/2023. From XX/XX/2023 => XX/XX/2023, there was no fraud transactions. All of them are XXXX transfer, XXXX, and auto pay for my XXXX XXXX, credit card, and monthly bill. They are pre-authorized meaning I don't need to have my card to use them. For the fact that they sent text message to my phone number for me to authorized. This is 100 % their fault as I updated my phone number with them on XX/XX/2023, they sent me a confirmation for this ( see attached document ), however, they never changed them in the system. It resulted in the alert text being sent to the old phone number and someone might just said yes. I knew that they never changed my phone number because on XX/XX/2023 when I called in the made the claim, they still have the old phone number record on it. New Phone : XXXX Old Phone : XXXX They just don't want to help me at all. They just denied all the fact and evidence. I even contact them many time and requested to talk to supervisor at the fraud department. XXXX of them was XXXX, she is very nice but could not get me a specific reason on why they denied it. The next one is XXXX, I talked to her on XX/XX/2023, she does not know what she talked about. She just kept asking when I lost my card and told me none-sense statement such as, because you use the card at XXXX before XXXX this consider valid. She is also very discriminating and sound kind of XXXX to my accent. The next one is even worse, I talked to her on XX/XX/2023 at XXXXXXXX XXXX. She could not help at all. She told me just send in what you have so we can consider. That's a irresponsible statement. As a supervisor she should understand the decision of the back end team and advise the customer what to submit in in order to best explain the situation. When I asked for her name, she just read the script " Thank you for choosing XXXX '' and then hang up the call on me. I went to the branch for help, and talked to XXXX XXXX XXXX XXXX at the XXXX XXXX XXXX, and she could not help much. She submit a complaint for me to the escalation team and told me to wait for call from them. I waited and then XXXX from XXXX 's XXXX complain and escalation team called me. He could not get to me as I was busy. He left me a voice mail. I called back and asked him to call me at a specific time frame where I'm available many time. But he kept calling me at the time that I'm not available. It seems like all the people at XXXX are not understand the request from the customer and just try to denied everything. Please help me get my money back. I swear I did not use the card and authorized these transaction. I stayed home all the time and most of the transactions are used in different states such as California, Nevada, ... I just came to the XXXXXXXX XXXX XXXX ago as an XXXX XXXX I need money to pay for my tuition. I have no other choice. If I don't get this money back, I'm dropped from school for this upcoming fall quarter that could affect my VISA status in the XXXX.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: All the Credit bureaus contacted me after a hard inquiry was pulled by JPMorgan Credit Card services. I already have an identity theft block on my social security number and still someone was able to apply for a credit card without my consent. My credit dropped XXXX points because of this inquiry
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I was notified on XX/XX/XXXX that my credit had changed and sent congratulatory emails by Chase Bank about my new Chase Sapphire card. I immediately called and was passed around to many different Chase representatives that day. Some telling me I applied for the credit card on XX/XX/XXXX. Others representatives telling me I applied on XX/XX/XXXX. The card was opened in the amount of {$27000.00}. Then Chase tried to cover it up and say I was hacked and it was done online. The card applied for was sent to my mailing address and no other funds were taken from my account. I have tried asking Chase for more information multiple days and I keep getting the run around. The last day I reached out was today XX/XX/XXXX and I received a different story that the credit card was applied for on XX/XX/XXXX. Then I was passed around and on hold for over an hour after I said I wanted to file a complaint because I believe someone at Chase opened this account without my consent to meet a sales goal. After waiting I was coincidentally disconnected. Chase will not give me a straight answer.
Company Response:
State: CA
Zip: 91387
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A