Date Received: 2023-09-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I did not receive an email from XXXX but they deducted the disputed amount of {$400.00} plus the fee that was {$87.00} from my Chase Bank checking account on XX/XX/XXXX.
Company Response:
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I hope this message finds you well. I am writing to report a concerning issue I recently experienced in my auto financing transaction, and I am seeking your assistance in addressing this matter. On XX/XX/2023 I purchased a vehicle through XXXX XXXX XXXX in XXXX Georgia and financed it with Chase Auto. During the financing process, I noticed a significant discrepancy in the interest rate offered to me. My credit score is XXXX and I was offered a 9.67 % interest rate. Upon careful examination, I discovered that the higher interest rate was probably a result of the intentional misspelling of my name on the loan agreement. When I inquired about this during the signing process, the finance manager was very adamant interest rate was accurate based on all my credit history and character. He even stated he shopped the deal around to other banks but 9.67 % was the best interest rate offered to me. It is my belief that this misspelling was not accidental but was done intentionally, possibly by the dealership, with the intention of securing a higher interest rate and potentially receiving a kickback or additional compensation. I reached out to Chase Auto questioning the interest rate and why was it so high based on my credit score, however no one was able to answer my question or assist me. I even requested a remediation of my account in attempt to lower the interest rate and was turned down. This situation is deeply concerning to me as it not only affects the financial terms of my loan but also raises questions about the ethical conduct of the dealership. I strongly believe that such practices are unfair and may be in violation of consumer protection laws. I kindly request your assistance in investigating this matter and taking appropriate action against any party found to be involved in this unethical behavior. My goal is to ensure that consumers like me are treated fairly and transparently in their financial transactions and are not subjected to such deceptive practices. Please let me know the steps I should take and the information you may require from me to facilitate this investigation. I am committed to cooperating fully to bring this issue to light and seek a fair resolution. Thank you for your attention to this matter. I look forward to your prompt response and guidance on how to proceed. Sincerely,
Company Response:
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I deposited a {$13000.00} personal check received from my friend as a gift. The next day my bank ( Chase bank ) restricted my account and put a hold on that check. I called the customer service to see what its happening. The representative simply told me they can not lift the restriction until they could verify the maker of the check through their system. On XX/XX/XXXX my friend and I went to the chase branch to verify his check and being told they can not accept this type of verification. The only way to verify his identity is to find his phone number from their system. Unfortunately my friend just changed a new phone number and they couldnt find it. So we left Chase frustrated. The same night he tried to stop payment of this check with his bank ( XXXX XXXX XXXX ). But his bank told him the check has already cashed by Chase bank and they cant stop any more. On the XXXX I went to Chase branch to seek help from the branch manager, she called many different departments inside the bank and even file a escalation on my behalf. Nothing works. Only to find out Later they might close my account and hold my {$13000.00} in their hand until they can verify my friend in their system. It just seems like there is no way to resolve the issue. There is nothing I or he can do. We even asked them to just return the money to where it was and they said no. I called them everyday to check the status but nothing changed.
Company Response:
State: FL
Zip: 34471
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
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 made a purchase online from XXXX for an item to be shipped to my home address. The item was shipped via USPS to my address. On the day the tracking number was shown as being delivered, I went to collect my package. No package was found at the mailboxes, around the property, or by neighbors. I disputed this charge with USPS to no avail based on the driver marking this package as delivered. There are no photos to show proof of delivery, and no signatures collected for the delivery. XXXX XXXX states in their order confirmation that any delays or lost packages should be disputed with the carrier company. I could not find any information on XXXX XXXX help FAQ to indicate I could resolve lost packages with the company directly. I took to Chase to dispute the charges. XXXX XXXX in their response to the Chase inquiry about the dispute, argued that this charge was valid based on the USPS tracking. I counter argued this point that there is no physical proof of delivery, and sent that response back to Chase. Chase concluded because I couldn't prove I didn't have the item except for lack of owning it, I must pay the {$180.00} for the product. Per FTC, I am not financially liable for a product I never received, and seek compensation for the full product amount.
Company Response:
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/2023 I went to the Chase Bank XXXX XXXX XXXX XXXX, CO to apply for the Chase Sapphire XXXX ( XXXX ) in branch offer - XXXX point ; XXXX after {$4000.00} after in 3 months of spending, and XXXX additional points after {$6000.00} total spending. I met {$6900.00} worth of spend within XXXX billing cycles ( XXXX days ). However, only the public XXXX offer of XXXX points posted. I inquire both in my Chase secure message portal and with the banker where I applied " in-branch ''. Neither was able to match, honor, or provide a courtesy adjustment for the remaining XXXX points. Of note, the in-branch banker reported technical difficulties with the offer. They ended up sending me a link to apply for the credit card on my phone. I inquired if this would be an issue and was reassured by the banker that this would not a problem ( the full points should post no problem ). I was also reassured that if there was a problem, they would later be able to rectify the issue and adjust the points ( XXXX? ) later. So far, nearly 90 days later, this has not been the case. The branch banker has reportedly taken details notes on this issue. The issue was escalated by me and the banker and it was still determined that there was no recourse for resolution. So this at least falls under : XXXX ) some kind of technical mismanagement of the company, or XXXX ) borderline fraud/false advertising or promises related to the promotional offer. And a general lack of courtesy, consideration, etc. to the customer. I have been a mostly pleased, profitable customer until now. Reconsidering that business/relationship now.
Company Response:
State: CO
Zip: 80238
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit at this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states consumer reporting agencies can not furnish an account without my written instruction. Under 15 US 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Company Response:
State: PA
Zip: 19122
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: We were lead to believe that our consulting company could use WePay to collect payments. We then collected payment for our costumer back in XXXX. It is now XXXX and WePay is refusing to release the {$9200.00} This money was paid to us for our consulting services. We have operational costs, employees and vendors who we have had to have difficult conversations as a result from WePay holding our money XXXX. We do not operate in high risk industry nor have we ever had a charge back in all our years of business so it looks like they are just trying to hold our money indefinitely for no reason. When you sign up for their service it does not say anywhere that WePay can decide to steal your money or with hold it indefinitely. As a small business this has crushed our bottom line and we are at a point where we will no longer be in business.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: In XXXX, 2023, I received XXXX credit card offers from Chase and XXXX XXXX. - I applied for both offers and subsequently received XXXX credit cards. I promptly purchased items to meet the required amount to receive my XXXX miles per offer/card. I received XXXX statements, XXXX for each credit card, which show that I was rewarded XXXX on each card for a total of XXXX miles from Chase. When I checked my XXXX XXXX XXXX account, I found that only XXXX miles. I called Chase and was informed that even though I meet the terms and conditions on each account that I was only able to receive XXXX miles for XXXX account. I am an older man with somewhat limited mental capacity. Chase business practices in this manner are predatory and discriminating. If this issue is not resolved, I will be filing complaints with the following agencies, XXXX, XXXX XXXX, Federal Reserve, State Attorney General 's office in Oregon and Federal Trade Commission. Additionally, I will file a small claims suit in Oregon.
Company Response:
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I am currently on vacation in XXXX. On XXXX XX/XX/19 I tried using my card and it wasnt working. I tried to go to an ATM and that as well did not work. I called Chase to see what was going on & they informed me they have frozen my account and in 10 days will close my account. I have done nothing wrong at all but thats besides the point. They gave me no reason as to why. However, I have no access to any of my funds & I am stuck in XXXX with no money. They said the account will close in 10 days and after that I will receive a check in the mail. This is the only account I use. I dont have access to any money anywhere else & I am currently stuck in XXXX and have no money for food, for a place to sleep or a plane ticket home. I requested they let me transfer my money to another account i have, to my mother or send via XXXX XXXX or something similar. They told me no for everything. I dont know what to do. I am literally stuck in XXXX with no access to any type of money. I feel I just got robbed and thrown on the street and I did nothing wrong. I am scared & I dont know what to do ...... They can close my account thats fine but please allow me to access my money so I can get home..
Company Response:
State: CA
Zip: 92110
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have a checking and savings account with Chase Bank. On XX/XX/2023. I notice fictitious actions which was money moved around in my checking account. That I did not do. I immediately transferred the money I had to my sons account which we share. I went into the bank and withdrew the monies out of the accounts. After doing so I called Chase Bank to stop action on my ATM card. As I was speaking with them they ask me did I file any clams. 3 were with my XXXX XXXX XXXX payments and 1 was my car payment. I said no. So they reversed the claims back into my account. When speaking with XXXX XXXX XXXX they said that when they went to retrieve the payment back into the account it was declined. I called Chase back to discuss this and, they said, that when I went into the bank to get my money that I had taken the money that they put back into my account for the claim. I explained. That I took my money out of my checking account before I even contacted them and, canceled the claims that some one else had made. I was speaking to a supervisor at the time. I had been going back and forth and back and forth and they kept insisting that I took the money. I explained that whoever made the clams took that money. It was not me. Not only did someone steel from me my own bank stole from me as well. When I needed their help and they instead kept accusing me. Ive been with Chase for over XXXX yrs. The amount that lost was {$1100.00}. I have been going through a lot of pain and suffering behind them not believing me. Because of this my XXXX XXXX XXXX bill was thrown into a 15 day notice. I cant ever use my debit card to pay my XXXX XXXX XXXX bill again nor my car payment. I have to find payment centers.
Company Response:
State: CA
Zip: 94509
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A