Date Received: 2023-09-22
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Hello, I received a letter from Chase bank on XX/XX/XXXX where my account was opened in XXXX and I immediate started making direct deposits and use this account as back up savings for my life being. The letter from Chase states the following : " After careful consideration we decided to close your account because of your association with chase credit car deposit or investment account that was previously closed ''. I used to have credit card, checking account and business account. My credit card with them was since around XXXX and was closed along with everything else in around XXXX with no explanation and no branches nor customer service would give me a reason why.
Company Response:
State: CO
Zip: 80015
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I am writing to complain about my credit card issuer, Chase Credit Cards, for refusing to honor a recent promotion promising a {$10.00} statement credit for making a {$200.00} payment on a utility bill. On XX/XX/2023, I paid {$300.00} on my water utility bill and used my Chase IHG credit card to pay {$200.00} of that ( the remaining {$100.00} paid with a debit card ), solely to avail of a Chase promotion for a {$10.00} statement credit on purchases of {$200.00} or more on several categories including utilities. However, Chase is refusing to give me the {$10.00} statement credit because XXXX XXXX, which is my water utility provider, is administered by the XXXX of XXXX and uses a government services merchant code instead of a utility company merchant code. I understand that Chase 's promotion fine print states that the merchant code must be a utility company merchant code. However, I believe that this requirement is unreasonable and unfair. Consumers should not be expected to know merchant codes in order to take advantage of credit card promotions. Merchant codes are used by credit card companies to categorize businesses and track transactions. However, consumers are not normally aware of merchant codes, and they should not be expected to know them in order to participate in promotions. From my point of view as a consumer, I was just paying my water utility bill. How was I supposed to know that my water utility provider uses a government services merchant code and not a utility merchant code? I would wager that, had I even asked the cashier at XXXX XXXX what merchant code they use for my payment transaction, she would not have had any clue. Water is a utility that Chase includes in its utilities category. It is therefore reasonable to expect that my water bill payment would qualify for the statement credit, even though my water utility biller happens to use a government services merchant code because it's the XXXX of XXXX. And it is unreasonable for Chase to expect me, a mere consumer, to know what merchant code my water utility biller uses. Consumers don't and shouldn't need to know merchant billing codes. I have contacted Chase customer service several times to try to resolve this issue, but they have been unwilling to reason over such a small amount. I am therefore requesting that the CFPB investigate this matter and take appropriate action to ensure that deceptive and misleading promotions like this do not continue. Of course, I would still like to receive the {$10.00} statement credit that I am entitled to. Thus, I am requesting that the CFPB take action to prevent Chase from using this type of requirement in the future. Consumers should not be misled or deceived into thinking that they are eligible for a credit card promotion when they are not, simply because they do not have access to information like merchant codes that are not normally available to consumers. Thank you for your time and attention on this matter.
Company Response:
State: NC
Zip: 28211
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX a unknown credit hard inquiry appeared on my report from JPMCB? I did not not apply for any line or credit! I have credit lock on account already how did someone access my information without permission to make a hard inquiry? Any further help or assistance regarding this matter would be greatly appreciated. Thank you. XXXX XXXX
Company Response:
State: OH
Zip: 45342
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: My JPMorgan CHASE Business Complete Checking account was compromised by a cyber thief. Although I have held SEVEN accounts with CHASE for more than a decade, CHASE refuses to provide a remedy to return funds to my business account that were incorrectly deposited by CHASE and allowed to be withdrawn by a cyber criminal named in several previous and ongoing law suits. CHASE allowed this transaction to take place between one account holder ( myself in MI ) and a known cyber thief with whom they have continued to allow to bank with CHASE in California. When the filing " ruling '' came to me from CHASE in regard to the funds being mishandled and lost by CHASE, CHASE told me their " ruling '' is that " it is not our responsibility to recover these funds. '' CHASE told me that my client, who banks with XXXX XXXX, is responsible for attempting to recover and insure the funds that they, CHASE, incorrectly allowed to be deposited, and fully withdrawn on the same day, into and from the incorrect account. This is unconscionable. CHASE repeatedly states there is nothing they can, or are willing to, do to remedy their mistake. From the moment I learned of this cyber crime in XXXX, both the CHASE Customer Service and CHASE Claims Department, and every department I contact at CHASE including my local branch, tells me there is nothing they can do to help and they are not responsible for the loss. This was not a small mistake on their behalf ; it was {$20000.00}. Chase uses the defense that they sent the funds to the correct account. They state that the routing and account numbers provided to them ( by a cyber criminal to route funds into their already " restricted Chase account '' ) were the correct routing and account numbers and, thereby, we are not responsible. Chase repeatedly confirmed they do not a security system in place to prevent loss. CHASE has no requirement to confirm that an account, both personal and business accounts, matches the account for the intended deposit or withdrawal. As a result, funds intended for my business account were deposited by CHASE ( my bank ) into a cyber thief 's account ( also a CHASE account holder ; an account which had already been " restricted '' due to previous and current identical thieveries and ongoing lawsuits ). CHASE STILL allowed my {$20000.00} to be deposited into AND fully withdrawn from the cyber thief 's CHASE " restricted account '' on the same day it was deposited. Shaking my head. CHASE admits they have ZERO layers of security in place for deposits and withdrawals as it relates to their customers. I conf irmed this with 12 CHASE employees. My {$20000.00} was allowed, by CHASE, to be deposited into a cyber thief 's " restricted account '' and withdrawn, in full, on the same day with ZERO confirmation it was the correct intended deposit account : 1 ) WRONG business name on the receiving account 2 ) WRONG person 's name on the receiving account 3 ) WRONG Tax ID # 4 ) WRONG address in which the account was opened and conducts all transactions 5 ) WRONG state 6 ) CHASE allowed funds to be deposited into a criminal 's CHASE account, who is involved in several MASSIVE national law suits matching the account holder 's name and several LLCs proven to be currently, and previously, involved in IDENTICAL criminal law suits 7 ) ZERO awareness by CHASE that the receiving account was already " restricted '' by CHASE themselves AND THEN 8 ) CHASE allows the same incorrectly deposited {$20000.00} to be withdrawn from their own " restricted '' CHASE account on the same day as the deposit At a total loss for logic at this point, I asked Chase to use their cyber insurance to return the funds to my business account as a result of their mistake. This sensible request on my behalf, was met by the CHASE " Customer Service '' and " Claims '' departments by advising me that JP MORGAN " CHASE does not carry cyber insurance and can not return the funds, '' deposited and withdrawn with permission of CHASE to the wrong recipient account ( CHASE to CHASE ) ; deposited and withdrawn by the cyber criminal on the same day, from a CHASE account. CHASE is telling me it's XXXX XXXX 's problem to remedy. I wish I were exaggerating.
Company Response:
State: MI
Zip: 48348
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: {$25000.00} taken from my credit card
Company Response:
State: CA
Zip: 910XX
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/XXXX while checking my most recent credit report, I noticed 7 hard credit inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB Card XX/XX/XXXX JPMCB Card XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I was evicted from my apartment because I could not pay my rent. Because of the over draft fees accumulated that exceeded the amount owed. Unable to catch up with the fees. Chase bank had charged me XXXX In over draft fees with in years. I lost all of my possessions in storage. Furniture TVs appliances cloths. electronic devises. Give and take XXXX My car was repossessed. And end up being homeless. Chase did not help working for XXXX and XXXX. I would deposit money and withdraw if I had accumulated over draft came to XXXX I could never catch up because I had to deposit and
Company Response:
State: CA
Zip: 90007
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
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: In XXXX, we purchased a Vacuum from XXXX XXXX XXXX XXXX, but upon receipt of the item, we found a missing vacuum attachment and sent an email to the company to request a return. After several phone call attempts without any connection, we sent several emails, but the merchant never responded. So we sent the items back to the address on the original package along with the order information. Upon the items being returned to the merchant 's e-commerce center, we sent additional emails to confirm their receipt and refund status by providing the detailed return tracking number, but still no response. After waiting for about a month for their response, on XX/XX/2023, we decided to open a dispute with our credit card company, Chase Credit Card. By the end of XXXX, we received a letter from the Chase dispute department indicating that they had to close our dispute because they didn't see the evidence that we returned the item back to the merchant. So we sent a written letter to request to re-open the dispute ( please see the enclosed written letter copy ) with the detailed return tracking information along with our emails to merchant showing our attempts to resolve the issues. However, today XX/XX/2023, Chase dispute department again closed the case indicating that we did not return the item despite all the return supporting documents.
Company Response:
State: MD
Zip: 20878
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
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: I have been in a dispute battle with chase over a billing error for a few months now. It started when my husband and I purchased a XXXX ( not the dipsuted charge ) for an oil change, making it free. The oil change groupon included free tire rotation and inspection. We dropped the truck off and all seemed fine, we then got a call that during the inspection they found a problem that would cost ~ {$2500.00} to fix. We declined the fix and they said they'd continue the inspection. They called back later stating there were more problems found and it would be ~ {$7500.00} to fix the entire truck. We declined and said we just want the oil change and tire rotation done. When we arrived they told us our total was over {$300.00} dollars. When we asked what for as we already used the XXXX for the oil change they said it was for " diagnostic fees ''. There was no mention of this fee in verbal or written agreements that were signed. They told us they could not hand the keys over until the fees were paid. The charge was on XX/XX/XXXX of XXXX for {$310.00}.
Company Response:
State: MN
Zip: 55128
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I was repeatedly emailed an offer by Chase to set up a checking account with direct deposit and a savings account with {$15000.00} for 3 months, and then I would recieve a {$600.00} bonus. This included on XX/XX/XXXX and XX/XX/2023. I enrolled in this offer and opened both a chase checking account with direct deposit and a savings account for 3 months. My chase savings account was opened on XX/XX/2023 with a {$15000.00} deposit. It has sat in this low interest savings account now for 3 month with the expectation that there would be a {$600.00} bonus. However, I was only given the {$300.00} for the direct deposit and not the full {$600.00}. I am asking Chase to honor their promotion and provide me with the full {$600.00}. I have reached out to them to ask about this and they said that I had only signed up for the direct deposit and therefore I only will receive the {$300.00}. However, this is incorrect, I signed up for the full {$600.00} and I met the terms of the promotion. Thank you, XXXX
Company Response:
State: MA
Zip: 02446
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A