Date Received: 2023-09-13
Issue: Getting a loan or lease
Subissue: Loan opened without my consent or knowledge
Consumer Complaint: I purchased a car from XXXX XXXX XXXX, CA on XX/XX/2023. I had my own financing, which the dealership offered to beat. I agreed to allow them to run my XXXX score only ( noted on the application ), after which I was offered an interest rate through XXXX XXXX which was lower than my personal financing. I accepted and purchased the car. I later received a letter of cancellation from XXXX XXXX XXXX, stating that they were not able to get the loan funded and instructing me to return the car. When I attempted, I was told that this letter was sent in error, and there were no issues. I also noticed that there had been several inquiries to XXXX and XXXX from XXXX, which I did not authorize. Three weeks after the purchase, I received loan documents from Chase bank, which I never applied to nor authorized. After much back and forth with XXXX XXXX XXXX, they cancelled the Chase account and I used my personal financing as originally planned. I have since received two letters from Chase bank, one confirming that the loan was cancelled and another confirming that it was paid off. Based on this I have made multiple attempts to have the Chase loan removed from my credit report, as it was never authorized. I continue to be denied.
Company Response:
State: CA
Zip: 94560
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XXXX, I filled a Trip Cancellation claim for {$15000.00} with Chase Card Benefit Services . Since that date, NO additional information was requested. I made numerous calls to inquire why it had not been paid. I was told that they were waiting on Chase to validate the charges. Note : I was on the line with Card Benefit Serves and a Chase Rep who validated the charges. Subsequently, I was told the Claim was submitted for final approval 3 time only to find out the claim was still pending. I aslo contaceted Chase Executive Office. They are looking into it and will advise. Also Below is a log of calls regarding this claim. XX/XX/XXXX submitted all documents required for for claim - XX/XX/XXXX No additional information requested via email or phone. Spoke with XXXX Spoke with XXXX XX/XX/XXXX XXXX called back because had to pick up child XXXX XXXX. XXXX submitted claim for payment. No additional information required. XX/XX/XXXX Sent email regarding payment XX/XX/XXXX XXXX XXXX e-mail reply- Thank you for your email. Your claim has been noted with the information provided. You should receive an update on your claim from the assigned examiner once the information has been reviewed. XX/XX/XXXX XXXX XXXX XXXX - Supervisor XXXX Validated charges with Chase while I was on the phone. Submitted claim for final approval. XXXX XXXX XXXX - Re submitting claim for final approval. Will create new claim for XXXX XXXX XXXX. XXXX XXXX - Disconnected- did not call back XXXX XXXX XXXX XXXX spoken to an examiner XXXX claim escalted on hole for XXXX min. Told XXXX claim submitted twice for final approval. XXXX Called Chase Execitve office XXXX XXXX said send email to XXXX with XXXX Supervisor XXXX called back -Missed call - She left msg to call back XXXX x XXXX XXXX XXXX XXXX Disconnected XXXX called back XXXX holding for over XXXX min for him to come back after asking me to hold. XXXX XXXX XXXX Told her I have been holding on other line for over XXXX still holding. XXXX XXXX answered after XXXX min from hold by XXXX. XXXX said claim needs date of travel. I responded that the cancellation document from XXXX shows XXXX XX/XX/XXXX. Validated that no additional information requested after XX/XX/XXXX. XXXX will send XXXX note to call me. XXXX will check back on Sunday to confirm XXXX called. XXXX XXXX - Filing an escalation form. Should be contacted within 1 - 2 days. Not submitted for final approval - Pending XX/XX/XXXX XXXX called to see if XXXX returned call which she didn't. Submitted an expidite XX/XX/XXXX XXXX - Supervisor XXXX sent note to examiner XXXX to call XXXX XX/XX/XXXX XXXX Chase executive office -case # XXXX should assigned and hear by Wednesday. XX/XX/XXXX XXXX XXXX XXXX ) supervisor called ( XXXX ) - Voice mail- - reviewed file and will be sending email - Did Not Send XX/XX/XXXX XXXX XXXX Notes show claim submitted for final approval. XX/XX/XXXX XXXX from Chase Executive Office called to say he was assigned the claim XXXX x XXXX Reference Number : XXXX XX/XX/XXXX XXXX - contacted XXXX claims supervisor - XXXX said claim submitted to management for approval to release payment. I requested to speak to manager. XXXX said XXXX will look at it again tomorrow. I said that was not acceptable. I need to speak with someone who can release payment. Being transfered to XXXX. - Call disconnected - XXXX called back. XX/XX/XXXX XXXX with XXXX XXXX will followup. I requested the check be in the mail by tomorrow. XX/XX/XXXX XXXX - I checked to see who called from XXXX. No message left., He said it was XXXX XXXX XXXX was agent. XX/XX/XXXX XXXX from Chase Executive Office - I called to speak with XXXX- she connected me. XX/XX/XXXX XXXX XXXX Will advise when he find out something. I asked for him to request a manager call back.
Company Response:
State: MS
Zip: 39532
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Over the past few weeks, I have encountered a series of unauthorized transactions totaling over {$7000.00} from multiple merchants. Initially, I filed a dispute with XXXX, the payment platform through which these transactions occurred. However, XXXX denied my claim, citing that the seller provided information indicating I had authorized these transactions. They mentioned that the seller referenced IP matching as evidence of my authorization, despite the fact that I did not receive any goods or services from them. In light of XXXXXXXX XXXX denial, I escalated the issue by filing a dispute with Chase Bank, my credit card issuer. To my surprise, Chase also denied my claim, explaining that XXXX, the card network, had conducted an investigation and concluded that I had indeed authorized these transactions. This decision was perplexing, given the numerous unauthorized charges involved. The situation has now become extremely frustrating and financially burdensome, as I am left with over XXXX transactions, each ranging from {$1.00} to {$99.00}, that I neither authorized nor received any benefits from. What compounds my concern is the apparent circular referral process, with XXXX pointing to the bank, the bank to XXXX, and XXXX directing me back to the bank. I find myself stuck in a disheartening loop of unresolved issues. I am reaching out to you in the hope of finding a resolution to this matter. These unauthorized charges have not only affected my financial well-being but have also eroded my trust in the security of online transactions. I kindly request your assistance in investigating and rectifying these unauthorized charges. Any guidance or support you can provide to help resolve this situation would be greatly appreciated. Please let me know the steps we can take to address this issue promptly. I can provide any necessary documentation or information required to assist with the investigation.
Company Response:
State: CA
Zip: 94566
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: A couple months back I deposited a check into my chase bank account. The check had came from someone online trying to buy a gaming account.They closed my account for a couple of hours after depositing the check, and when I called and asked why they said my account was flagged for trying to deposit a mobile check twice. If the pictures are still on record, you can see that I had deposited the check twice because the first time the check wasnt endorsed. This led me to going to their branch to talk and there they told me the check was fraud. I had no knowledge to this and I feel like they did nothing to help.
Company Response:
State: CA
Zip: 91387
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
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: First and foremost my dispute is with Amazon I had canceled XXXX XX/XX/2022 however it appears a company this large feels that they're untouchable once I canceled it they went to another card that was on file which was my Chase Amazon XXXX XXXX they continue to charge I disputed it with my banking institution Chase who then stated they can't do anything past 118 days I then disputed it with Amazon provided them the screenshot it took me 40 minutes to finally get a hold of someone after circling throughout their website which is purposely designed to be difficult to navigate and get the answers that you need especially when it comes to canceling or anything that has to do with the Amazon XXXX aspect of it with that being said I then incurred interest charges on top of that which Chase Amazon refuses to lower this is a trifecta of issues that have happened and it's just added to it I am not here to abuse any type of system however I do not feel that I should be taking advantage of as a consumer by a multi-billion-dollar company as well as a multi-billion dollar banking Institution. I have found many published articles one that struck me interesting is by an underwriter to a bank who noticed Chase Amazon Amazon themself create a conundrum for their clients pretty much in the same situation that I'm dealing with more so on the interest fee and charges aspect from Chase but Amazon as well with the loopholes that they have and continuing to charge people even after they've requested cancellation and gone through the motions for cancellation of XXXX. In addition XXXX promises to have things there two days or less a majority of the time that was not true so that is why XXXX did not suit me I was still waiting hence the fact that I canceled it and it wasn't until me noticing my interest charge fees even after making a double payment we're still accruing and I noticed that charge from Amazon XXXX on my Chase Amazon card I have since removed all of my cards and canceled it once again for everyone in my household once again I'm expecting all of my months refunded as well as the interest charges and fees to be waived that is the least that can happen for taking advantage of a client and using legal loopholes to do such
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: As soon as I realized that our insurance company did not receive the wired funds ( over $ XXXX ), and that the emails from my insurance broker were XXXX, I filed claims with Chase on each one as well as recalls. I also filed an IC3 complaint with the FBI on XX/XX/XXXX and supplemented it on XX/XX/XXXX when I noticed on XXXX that someone from XXXX XXXX viewed my profile in dark mode ; XXXX XXXX is the bank to which I wired funds as per the direction of my " broker ''. Chase denied our claim, as per a letter mailed to us on XX/XX/2023.
Company Response:
State: NY
Zip: 10708
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: XX/XX/2023 I contacted Chase Bank re : my Chase Slate card. I advised Chase that I was going to do a balance transfer, then close the account. I was given the payoff balance. I had NO pending charges. On XX/XX/2023, a balance of {$3600.00} was transferred From my Chase Slate card, to the XXXX credit card. I then went online to confirm that the card was closed. XXXX of this year, I began receiving phone calls from Chase Bank re : a charge. I advised the phone representative that I have not had a Chase credit card since I closed it in XX/XX/2023. The representative did some checking, APOLOGIZED and said that she will make sure it's closed and that there should have been No ongoing charges since XX/XX/2023. XX/XX/2023, Chase reported my account 185 days past due, with a card closure date of XX/XX/2023. My credit score has tanked.
Company Response:
State: CA
Zip: 91350
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Chase is inaccurately reporting my account as delinquent to the credit bureaus when I have lawfully requested a discharge or mutual offset of the account balance. Chase is in dishonor and estopped from further collection and negative credit reporting for their default in refusing to provide a notice of dishonor from a qualified third party such as the US Treasury upon request. All of the prior notices such as acceptance for value, and exhibits/ affidavits clearly state the federal laws such as 18 USC 8 ( Obligation or other security of the United States ) and HJR 192 of 1933 ( Suspension of the gold standard ) that allow credit card balances to be discharged through the US Treasury . Chase has not been able to refute this information/ laws. Instead Chase has kept the 1099A accounting document which I submitted to them and they have refused to discharge or mutual offset the account. Chase stated they could not accept the payment method which is a violation of UCC 3-603 ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge ( XXXX XXXX XXXXXXXX ) I am also requesting a copy of the forms 1096, 1099, OID, INC, and PRC which financial institutions such as Chase use to claim exemptions for account holders without the account holders knowledge. These documents should prove that the financial institution such as Chase is the fiduciary debtor. Therefore based on my various written requests via certified mail Chase should have applied to have my account balance discharged or mutually offset to XXXX through the US Treasury. As a result this Chase account is not delinquent and the balance should have already been set to zero as these requests have been made over 60 days ago. If Chase refuses to remove any late fee/ negative reporting they will be in violation of 15 USC 1666b. 15 USC 1666 ( b ) states ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Chase has made various references to the cardholder agreement but there is no statement in the agreement that opposes a mutual offset or discharge.
Company Response:
State: NJ
Zip: 073XX
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Deposited large check. Bank put hold on until XX/XX/XXXX. On XX/XX/XXXX the bank lifted hold. Later on XX/XX/XXXX bank decided to hold again for another week ( total 8 days ). I was notified by emails. I wrote directly to them to decease and take off hold on XX/XX/XXXX. Also I call Federal reserve & " you '' to file complaint. On XX/XX/XXXX before I filed form ( this one ), I attempted again with the bank to resolve. After 15 minutes of hold time with the hold department, they claimed they would release check. I checked account online and check was released. However! ... 2 hours later the bank notified me via email that now my account is locked down until mid next week! So they appeased me in releasing the check but realistically they came in sideways and played with my account! The supplier of the large check has been notified and fully made statement that the check is solid with no problems and they released it on their part. So my bank is holding my account up for what reason?!! Not understanding due to my credit status has been impeccable!
Company Response:
State: TX
Zip: 758XX
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Other features, terms, or problems
Subissue: Credit card company forcing arbitration
Consumer Complaint: On 2023 XX/XX/XXXX, I accessed my account online. Before I could get to the usual webpage where I could print my monthly statement, I was blocked by a screen demanding my acceptance of Chases New Digital Agreement and New Terms of Use. There was no way to bypass that screen. There was no alternative to accepting the new Chase policy terms. The New Digital Agreement is 125 pages - far too long to read in one sitting, let alone consider carefully. It appears that by accepting, I am surrendering almost all rights to digital privacy, consenting to Chase selling to anyone my personal data and history of purchases, and agreeing arbitration only as the sole means of resolving any disputes, shutting me out entirely from my state 's and our country 's legal system. I do not actually agree to any of this, despite being forced to accept Chases New Digital Agreement and New Terms of Use in order to access my online account.
Company Response:
State: NC
Zip: 27302
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A