Date Received: 2023-09-25
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33175
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023, I ordered a cake in person from XXXX XXXX, in XXXX, XXXX, XXXX I sent an email at the time of purchase, as per the clerk 's request. I paid for the cake, and even gave a " tip. '' I felt confident as per the " Excellent '' reviews, and " reputation, '' of this Bakery. ( I am new to XXXX ) and did not have much experience to go on, only the reviews on XXXX, and XXXX. I was wrong. When I picked up the cake on XX/XX/2023, I noticed straight away, it was sitting on the shelf behind the counter. In a box WITH NO LID. I was handed the cake and had to struggle to open the door with no help from the clerk. TWO RED FLAGS ALREADY. I took the cake to my granddaughter for her XXXX Birthday as her present. This was what she wanted for her birthday. A " Popsicle Cake, with white batter, white icing, with popsicles on the cake. '' When the guests arrived, and after she opened her gifts, etc., it was time to sing XXXX XXXX and have cake and ice cream. When the cake was sliced, it was NOT white, It was YELLOW batter. Then when we tasted it, it was DRY and WAS NOT HOMEMADE as advertised. I reached out to the owner, XXXX XXXX. NO RESPONSE. I reached out to her several times. I then advised XXXX XXXX, due to her not responding to my emails, and phone calls, I would contact my bank and look into filing a dispute. She then responded ( how ironic ). Chase errored in that it only disputed for {$77.00}. I wanted a full refund of {$170.00}. In the end Chase sided with XXXX XXXX. I believe this is unlawful, and XXXX XXXX was deceptive and dishonest. My cake was ordered person, with a photograph. The cake was not hard to make. I could have baked it myself, and in the future will do so. This is a " professional '' bakery, and I am at a loss as to why this cake was not done properly. The money I paid for this cake was more than my monthly utilities. XXXX XXXX has no regard for her customers and has other restaurants and bakeries she owns. This money is nothing to her, and she could have refunded me, but chose not to do so, out of spite for the fact that I filed a dispute. Chase has become apathetic towards its customers ; due to a downfall it has suffered. That is not ethical to take out its financial woes on its customers. More Corporate greed. That will be the downfall of the XXXX XXXX. I will see to it that these two aforementioned Companies will repay me with the monies owed, along with punitive damages.
Company Response:
State: WV
Zip: 26003
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Hey Chase, my money has been held in chase for about 3-4 months now I had a check and didnt have a ID at the time and signed it over to my mom which she mobile deposited into her chase account she opened, they said they couldnt verify my phone number in my name and said I cant go up the the bank with my social and my id and the original check with my mom the person who deposited my chdck. I got a new phone for XXXX $ and still said they couldnt verifty my number and at this point its like my funds are being held for no reason they called and verified with the bank a cashiers check and keep saying my number isnt registered to my name when it is. XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( my check )
Company Response:
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: On XX/XX/2023 we used XXXX XXXXXXX XXXX to purchase three economy-class one-way tickets ( one adult and two children ) from XXXX ( XXXX ) to XXXX XXXX XXXX XXXX, departing on XX/XX/2023. The website listed US {$540.00} per standard one-way ticket ( US {$470.00} plus US {$67.00} Taxes, airline fee and agent booking fee per ticket ). The total amount listed for these three tickets was US {$1600.00}, and after providing the passengers names we authorized the payment of US {$1600.00} with our Chase credit card. To our shock, the purchase confirmation email we received moments later listed a total of US {$6900.00}. The included receipt lists completely different amounts than what we were shown on the website : US {$2300.00} per ticket, consisting of a US {$760.00} fare plus US {$1500.00} booking fee per person! Outrageous amounts for these tickets, and obviously fraudulent with booking fees 2300 % of what was shown to us ( these booking fees are just that, they dont include any airline fees or taxes ). We immediately contacted XXXX while our credit card charge was still shown as pending. We were assured that someone would call us back within 24 hours. When they didnt, we called again, and were told the case had been escalated and we would be contacted very soon. Over the course of two weeks were were told the same over and over, but they never called back. We have reported this fraud by XXXX to the Federal Trade Commission. In the meantime, we called Chase, reported what happened and they cancelled our credit card and issued a new one. They told us to wait for the fraudulent charge to appear on the online statement and then file a dispute. We did, and called Chase several more times about this and were repeatedly told that we would be contacted by them if they needed more information from us ( e.g. we had screenshots of their website, which we told them ). To our huge surprise on XX/XX/2023 we received a letter from Chase in which they stated that they considered the disputed US {$6900.00} charge as valid because it matched the receipt provided by XXXX That fabricated receipt was however the very problem what this dispute was about! We contacted Chase again, and had the dispute reopened as they had never contacted us for the additional information we already had told them we had. This time we immediately uploaded the screenshots proving our case. Soon after the dispute went into a waiting for vendor response status. It remained in this status for months. In the meantime we traveled abroad and after we returned late XX/XX/2023 it still had this status. Then, a few days later when we wanted to call Chase about it, we noticed that the whole dispute suddenly had completely disappeared from their website! We called them, and were told that the dispute had been closed because the vendor disagreed, didnt want to return the money, and 180 days had passed. And that was it for Chase. No official letter, nothing, no option for us to escalate this, nothing. They offered to connect us with a customer representative to close our credit card if we wanted to. Thats it. I doubt they even looked at the clear evidence of the fraud we provided. Chase acted like fraudsters themselves. If a vendor only has to produce a falsified receipt for Chase, what kind of credit card fraud protection is that giving the customer?
Company Response:
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Someone applied for an XXXX XXXX they had to go through JPMorgan Chase Bank. I don't recognize the regular hard inquiry. It's not mine 's I don't apply for credit online. This situation gave me heartaches and it put stressed on me moving forward. Please have the bank & XXXX to remove and fix my online account for XXXX. It's broke. The system is broke on my end. I can't view or unfreeze my credit report through XXXX.
Company Response:
State: DC
Zip: 20018
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX We were customers with Chase from XXXX through XXXX of XXXX. We had 2 business checking accounts and a personal premiere account. During the 10 years, the 2 original accounts were changed to a new account XX/XX/XXXX. My final account number was XXXX. On XX/XX/XXXX I deposited a check from a client for {$9300.00}. One week later on XX/XX/XXXX, the same customer gave me another check for {$13000.00}. I deposited that check the normal way I always have. This was a known, regular customer that I am doing a {$53000.00} job for. After I deposited the second check the bank froze my account and then closed the account and seized the money. All the checks I deposited with Chase were valid. They currently have {$15000.00} of our money somewhere that they shouldn't have it, it should be ours. I am XXXX XXXX XXXX and I have never heard of this before. Please help. We are a small business and that is our money for receivables and parts.
Company Response:
State: CA
Zip: 919XX
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: 2023-09-24
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I ordered a new XXXX Chase Credit Card back in XXXX of XXXX. My marriage was having problems and I wanted new credit card numbers to ensure my husband didn't have my credit card number saved somewhere " digitally ''. I used my XXXX XXXX over the phone to pay a doctor 's office telehealth copay over the phone on XX/XX/XXXX. On XX/XX/XXXX, I logged into my online Chase account and was shocked the dollar amount I owed on this credit card. It had approx {$2900.00} dollars worth of charges that I didn't make or recognize. I called and reported the fraudulent charges to XXXX Chase. I explained that I had the card physically in my possession during the entire time, but someone must've stolen my card number. Many of these charges are way outside my normal spending patterns and in parts of town I don't travel to. They immediately removed the charges and said that they would be doing an investigation. I thought the issue was resolved. In XXXX of XXXX, all the fraudulent charges were re-billed. I was in the middle of a divorce and wasn't receiving mail regularly because I was rarely " home '' and my ex wouldn't always save my mail for me. I didn't notice the rebill of charges until XX/XX/XXXX. I called and asked why I had these charges that were deleted in XXXX. They did an " audit '' and said that none of the merchants they had contacted about the charges responded to their request for information about the questionable purchases. There were several more phone exchanges that happened on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Ultimately they said that " all the merchants '' they originally contacted all replied and said that my card was utilized with the " chip '' feature, which means whoever used the card, had the physical card with them. Since I stated at the original reporting that I always had possession of the card, Customer service stated that either my ex-husband, other family members, or myself had " inserted the card into the chip reader '', and that I was responsible for all charges. I asked for another audit stating I didn't believe that they went from no merchants responding to all of them responding the same way. I also asked to be transferred to a supervisor or manager and was denied another audit or transfer to talk to anyone else. The XXXX Chase credit card company states they tried to call me twice in XX/XX/XXXX, and sent me letters in the mail XX/XX/XXXX and XX/XX/XXXX. I didn't have any voicemails from them and I never received the letters. I di n't file a police report because at my initial report, they said the charges were going to be removed. I thought the issue was resolved on XX/XX/XXXX.
Company Response:
State: AZ
Zip: 85225
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: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I purchased 4 air tickets from XXXX, CA to USA with Chase XXXX card on XX/XX/2023. The flights supposed to depart on XX/XX/2023, but due to severe weather, XXXX XXXX cancelled that and provided alternative flights taking us back to USA 2 days later. This is a typical Trip Interruption case which is covered by the CHASE XXXX XXXX benefit, on 'Chase Guide to Benefits ', page 32, What Losses Are Covered? Severe Weather, which prevents a reasonable and prudent person from beginning or continuing on a Trip... We should be reimbursed for the lodging, meal and transport cost during the trip interruption, and it is exactly why used Chase XXXX card to buy the tickets at first time. But when file the claim to the Card Benefit Service ( XXXX ) asking to cover the cost of {$1300.00} during the trip interruption, the company just tried best to prevent honoring the claim. First, I filed a claim on the website with all the necessary evidence, and got an email saying the trip delay is not covered and closing the claim. I called the customer line, the agent admitted that was a mistake and asked me to refile a claim. But the system does not allow that and I had to call the customer line again. They first said will modify the claim on their side, then no feedback. Waited and called again, and was told that the claim was closed again cause the benefit does not cover that ... .. For the past couple months, I have spent so much time and energy calling the customer service, but again and again, the agents just promised to resolve, let me wait, no feedback, put me stay in the same cycle. Couple times, the agents just hung on me directly, and obviously, they do not want to resolve the problem and keep the promise what the CHASE XXXX XXXX made as the trip interruption insurance coverage. My claim number filed on XXXX is XXXX. I filed a claim against Card Benefit Service ( XXXX ) through the XXXX XXXX XXXX but the company did not even response to XXXX XXXX request. So I think of CFPB, Please help to resolve this problem to protect our customers. Companies need to keep their promises instead of fooling customers. Thank you!
Company Response:
State: NC
Zip: 28277
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: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Nothing happened. I was trying to buy gas when my card did not work. Waited next day Sunday still card said declined. I have {$53000.00} in the account. I made one {$8000.00} deposit from a check given me from the buying agent of sale of XXXX XXXX XXXX XXXX CA XXXX. When I asked Chase what the problem was no information was given, no answers to my money, I was hung up on 3 times. I have the calls recorded. First call was 31 minutes, 2nd 23 minutes and 3rd 41. This money is all I have. We sold our home and were leaving for Washington but now Im completely out of money were homeless and Chase could care less. I want nothing to do with this bank. There tactics are shady at best. Its a company full of people who do the wrong thing just for the sake of. The only thing I can think of is the check I deposited lady XXXX. It didnt clear. One time in 15 years. XXXX Vet that was told by military that Chase cares for us soldiers. That couldnt be further from the truth. Im angry because the 4 of us are sleeping in my XXXX. I have money that Chase wont give to me. I am so angry and distraught about this. Seeing my girls be hungry and being a XXXX then working for the XXXX, XXXX and XXXX for the last 20 years then having an American company just destroy my family over night does not sit well with me. If you need polygraph results as to the truths above I can schedule one. Please make them give me my money back fast. I want to take them to court and probably will. Over the years Ive lost money banking with them. They need something drastic to happen to them
Company Response:
State: CA
Zip: 90680
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: My grandson, and I established a custodial checking and savings account with the bank I normally use for years Chase Bank on in XXXX Illinois on XX/XX/2023. His name is XXXX XXXX XXXX, my name is XXXX XXXX. Account numbers can be provided upon request. I believe Chase sent checks to him in AZ, that may have been removed from the mail, ( specluation ). On XXXX when I checked the acct, to my amazement, some one was removing funds from the savings acct to the checking acct and stealing the money. It was happening as my grandson, his parents and I were on the phone talking to the fraud department in the XXXX, XXXX, as some one was taking {$900.00} from an ATM in XXXX on XXXX XXXXXXXX At the same time my grandson noticed some one had picked his pocket and all of his bank cards and ID was missing. He is a XXXX, XXXX at XXXX, the account was a month old and he was at his dorm XXXX AZ for just 2 weeks, and his bank accounts were scammed. The amount the Chase should return is about {$4300.00} Claim # ( XXXX XXXX XXXX XXXX XXXX ) I was told to go into bank on next business day and close those acct and open new ones and got an got a new claim number on XX/XX/2023 ( XXXX XXXX XXXX XXXX ) I feel the bank is scamming us too. They denied our claim. I can be reached at XXXX XXXX XXXX, to explain more details.
Company Response:
State: IL
Zip: 60202
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A