Date Received: 2023-09-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: The dates are not perfect, however I made a verbal contract for a 60-month payment plan. The payment plan took effect and successful payments were taken out of my account for 15 months. Chase Bank accepted a change of address that I did not provide, nor did I approve. This change of address was not mine. They have yet to inform me how this change of address was provided to them. Chase Bank did not inform me that my card would only be charged for 12 months, ( even though it was charged for 15 ) before needing an updated payment. I have requested records of the contract to prove that I was not informed but have yet to receive them. Chase Bank says they sent letters to the incorrect address about the request for updated information, which I did not receive as my address was changed without my authorization. My account became delinquent without my knowledge has Chase Bank was sending mail to the wrong address, which has affected my credit score. When you contact Chase Bank, no one individual person can assist, however every representative puts their hand in the pot before transfers you to someone new. You must be willing and able to spend three plus hours at a time on the phone with Chase Bank, but don't expect any assistance.
Company Response:
State: NH
Zip: 031XX
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was scammed by a person claiming to make a headstone from XXXX. My brother wanted to go to XXXX but tragically died at the age of XXXX. I paid a deposit of XXXX dollars through XXXX and another XXXX through XXXX. This was XXXX more than previously agreed upon to contruct and deliver the stone. When the scammer ( XXXX or XXXX? ) asked for more money and I refused and said I would like a refund, they vanished. No more ad. No more contact. Chase bank refused to contact XXXX and XXXX. XXXX and XXXX refused to contact my bank. They said they are not responsible. I was denied a refund lost all of the money. The scammer preyed on my emotions and the death of my brother and gathered my personal information. These financial institutions are enabling the acts of this scam and did not take care of me by even trying a chargeback. I'm sure the scammer will do it again if there are no consequences.
Company Response:
State: WI
Zip: 530XX
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/XXXX, I deposited a check to my Chase Checking account which was drawn from my XXXX XXXX Checking account. The check cleared XXXX XXXX, and had sufficient funds to pay Chase. Chase placed a hold on the check, through XXXX. Chase had already collected the funds and XXXX XXXX paid the funds via my XXXX XXXX checking account. In light of the unnecessary " hold, '' which Chase chose ( arbitrarily to do ), I incurred Overdraft fees. To date, I have incurred two ( 2 ) fees, in the amount of {$34.00} each for a total of {$68.00}. I am asking for assistance in this matter to recover the fees due to the unlawful act of holding the check. I have been with Chase for five years, and XXXX XXXX since XXXX. I am at a loss as to why all of a sudden Chase is now singling me out. Chase has never placed holds on any deposits I have made. This is not the Chase I used to enjoy doing business with, and I must add, that when I had over {$100000.00} in my savings account these types of " situations '' were not happening. Odd, yes. Biased, yes. I wish to thank you in advance for your efforts to help me recover my hard earned dollars who have fallen into the hands of yet another greedy billionaire CEO 's hands.
Company Response:
State: WV
Zip: 26003
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX XXXX XXXX has been furnishing an alleged debt. The debt is inaccurate and outdated. I did not receive my 1099-C for IRS tax purposes. I also request ALL documentary evidence pursuant to 15 USC 44. I want to know how much this alleged debt was sold for. What personal and private information of mine was sold to MRS BPO, L.L.C. 15 USC 1681a ( 2 ) ( A ) ( i ) the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. This is a violation of Metro2 compliance. see the attached letter for further details.
Company Response:
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
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: On XX/XX/23 we purchased a vacation for XX/XX/23 - XX/XX/23 for a resort in XXXX XXXX, FL at the XXXX XXXX. The purchase was broken down to two payment. One for {$40.00} and the other for {$780.00}, totaling {$820.00}. For two weeks I kept calling the resort and the resort had no record of me staying there. I repeatedly called XXXX 's customer service about the issue with no resolve. I finally explained that if I did not hear anything back, I would file a dispute with credit card over the fact they had collected money and not delivered on agreed purchase. On XX/XX/23 I called Chase Bank to file a dispute since nothing had been resolved. On XXXX I received an e-mail stating the issue had been resolved. I called XXXX XXXX and they were able to confirm my booking with dates. I then called back Chase to close the dispute due to XXXX fixing the issue. Chase had also mentioned after I asked that nothing would be sent to merchant and they replied they would not be notified for certain. This was on a recorded call and the representative confirmed which can be pulled and relistened to by Chase. The merchant was still notified which really began all of this issue of money somehow being missing between Chase and XXXX On XX/XX/23, I received an email from XXXX 's payment team asking if I still wanted to keep my booking as they had received a chargeback from Chase Bank ( credit card company ), which I had already cancel dispute and Chase had repaid. I replied, " Yes, I would still like to keep my booking ''. XXXX went on to rebill me again for a total of {$820.00} after Chase had already repaid XXXX. I have reached out to the XXXX 's payment team around 10x trying to resolve the issue and was given ARN 's from the company that says money was returned back to my Credit Card. Additionally, Chase said that since I closed original dispute after they had originally fixed issue, there is nothing they can assist with now. I contacted Chase Bank, my credit card company and they said they no record of money being sent back from the provided ARN 's. At this point, both Chase Bank and XXXX are both claiming they do not have the money but the original amount has never been returned. Additionally, after XXXX rebooked my payment, my originally booking is not in XXXX XXXX system again and no one is willing to assist to rebook my vacation again that is upcoming. XXXX ARN 's Provided : XXXX XXXX Said it was sent on XX/XX/23 and settled on XX/XX/XXXX with no reflection on my credit card statement I am going to attach screenshots of dialogue with XXXX, Credit Card Statements showing double billing without original funds returned, XXXX provided ARN 's, and a screenshot on their website showing they sent funds back but I have never received. Transaction Breakdown : XX/XX/XXXX - {$40.00} - Paid On Credit Card XX/XX/XXXX - {$780.00} - Paid On Credit XXXX - ( {$40.00} ) - Credit Card Dispute XXXX - ( {$780.00} ) - Credit Card Dispute Total {$0.00} XXXX - {$40.00} - Credit Card Rebill after Dropped Dispute XXXX - {$780.00} - Credit Card Rebill after Dropped Dispute XXXX - ( {$40.00} ) - XXXX claims money was sent back to my credit card XXXX - ( {$780.00} ) - XXXX claims money was sent back to my credit card XXXX says total is {$0.00} here but Chase Bank Credit Card does not record of return XXXX - {$820.00} - XXXX Rebills my credit card again after I said I would like to keep my booking Have paid total {$1600.00} to XXXX for vacation that was supposed to be {$820.00} total. XXXX claims only {$820.00} has been paid but Chase Credit Card clearly showing {$1600.00} with the missing return not reflecting. XXXX - Customer Service - XXXX Chase Bank Dispute - XXXX
Company Response:
State: KY
Zip: 410XX
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: JP Morgan Chase Bank has been furnishing an alleged debt. The debt is inaccurate and outdated. I did not receive my 1099-C for IRS tax purposes. I also request ALL documentary evidence pursuant to 15 USC 44. I want to know how much this alleged debt was sold for. What personal and private information of mine was sold to XXXX XXXX, XXXX. 15 USC 1681a ( 2 ) ( A ) ( i ) the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. This is a violation of XXXX compliance. see the attached letter for further details.
Company Response:
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Transactions were not authorized by me on XXXX XXXX XXXX. Amounts were {$500.00}, {$100.00}, {$100.00}, {$100.00}, {$200.00}, {$200.00}, {$100.00}, {$41.00}. Bank credited the amount disputed but later reversed the credit of all transactions.
Company Response:
State: CA
Zip: 91104
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: This is an addendum to my previous complaint. I have been on the phone dealing with the fraud department and all their shifting me from one department to another. The upshot of all this was that no matter what I did they would not be able to make the transfer to my other bank, they could not close the account and send me the money. The REASON that the transfer was rejected was that THEY could not verify that the account was owned by me ( even though I identified the minor deposits and withdrawal that they did to verify my account ). I called the other institution and verified all that they said Chase couldn't. I suggested many times that if they wanted to verify my ownership of the account, I would be willing to have a three way call with the other institution in which I could give them my bona fides and they could then verify with Chase that I was the owner. They stated many times that this could NOT be done, even though one of their employees in technical support suggested it and bounced me back to the fraud department. Even if I resubmitted the exterior account and went through the verification of minor deposits and withdrawals, I still would be rejected. I asked them to send me a cashiers check, but they could not do that over the phone. The only option they gave me was to drive hundreds of miles to a Chase branch and take out a withdrawal. THEY ARE HOLDING MY MONEY HOSTAGE!
Company Response:
State: OR
Zip: 97401
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
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: On XX/XX/, I purchased an item for {$410.00} from XXXX. The item arrived broken, so I reached out to try to get a replacement. My attempts were ignored so I called my bank ( Chase ) to dispute the charge. The dispute was opened on XX/XX/XXXX. I was told the process usually takes around 35 days. After a month, I called for an update and was told to call back in XXXX. I called at the beginning of XXXX and was told to wait another month. I then called at the beginning of XXXX and was told they would have my dispute resolved on or before XX/XX/XXXX. It is now XX/XX/XXXX and I have just been told the dispute is still not resolved. This time, they would not provide me with an estimate and told me that I just needed to keep waiting. I have been waiting 99 days for this dispute to be resolved and now feel as though I am being ignored entirely.
Company Response:
State: AL
Zip: 35242
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Robbery Description : Attached is Police Report # XXXX report detailing the theft of my purse and wallet from my car. My purse, phones and wallet were recovered by police officers, but my wallet contents had been emptied. This included my credit cards, debit card, and Texas Drivers License. As a result of the theft, my ID ( drivers license ), Debit card and credit cards were stollen and not recovered. Subsequently XXXX fraudulent transactions have been completed at Chase bank locations. Fraudulent Transaction Descriptions : XXXX. The first claim ( # XXXX ) is for {$1000.00} withdrawn from my savings account at the Chase Bank located at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. This withdrawal was made at approximately XXXX PM on XX/XX/2023 according the XXXX XXXX XXXX ( XXXX ) texted to my phone. I was on a flight at the time and received the text late. The attached Transaction summary shows the withdrawl happened at XXXX. XXXX. The second claim ( # XXXX ) is for {$2000.00} withdrawn from my checking account at the Chase Bank located at XXXX XXXX XXXX, XXXX, TX XXXX. This withdrawal was made at approximately XXXX PM on XX/XX/2023 according the XXXX texted to my phone. The attached transaction summary shows the withdrawal happened at XXXX. The accounts associated with these two transactions have been have frozen after each incident. I opened a new checking account on XX/XX/2023. The Police Report associated with these fraudulent claims is XXXX. XXXX. The XXXX claim ( # XXXX ) is for {$1800.00} and {$2000.00}. XXXX checks were written from XXXX XXXX to my name and were cashed in person with a forged signature. XXXX XXXX accounts were closed and the checks were returned resulting in cash being debited from my checking account. Cash from my newly opened checking account was given to an individual in possession of my ID. The dates of the checks are XX/XX/XXXX and XX/XX/XXXX. These transactions were performed on my new account. The police report associated with these fraudulent claims are XXXX, also attached.
Company Response:
State: TX
Zip: 77379
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A