Date Received: 2023-09-08
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: A JCMBC account was opened XXXX without my knowledge or consent. I called company and closed the account. Reported Fraud to all three bureaus and added fraud alerts.When I asked for proof of application the woman said that it can't be released because I didn't open account.
Company Response:
State: WI
Zip: 53223
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
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 placed 4 orders with the merchant for foam slabs using my CHASE credit card. The orders numbers and items received and not received were ; - XXXX ( delivered ) - XXXX ( missing entire order. Six 5 slabs ) - XXXX ( missing four of the 3 slabs ) - XXXX ( delivered ) I contact the merchant several times by phone and online requesting a refund due to not receiving what I ordered. After not being able to resolve the situation, I did a chargeback and explained why to CHASE. I requested a chargeback of {$210.00} for order # XXXX that never arrived and {$170.00} for half of order # XXXX since it was missing half the purchased items. CHASE has denied my claim for the {$170.00} although I have provided all the requested information and proof that the merchant defrauded me by stating I received all orders. I have attached the entire dispute history. The claim for the {$210.00} is pending but I am sure to win since I was able to show that on the merchant 's own website, it shows I never received it.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2023, I deposited a check for {$16000.00}. While trying to transfer funds from my savings account to my checking account, I realized that I wasn't able to do so. I called Chase and they explained to me that they have restricted my accounts because they have to verify the check. They threatened to close my account if the checks are not verified in 10 business days. I have done everything in my power to provide Chase with the necessary contact information for verifying the checks from the issuer. However, I must emphasize that the issuer in question is a large corporation, making it nearly impossible for me to establish direct contact with the individual responsible for issuing the check. On XX/XX/2023, my check for {$16000.00} was cleared, but my account remains unjustifiably restricted. This ongoing restriction has left me without access to my own funds, hindering my ability to meet financial commitments. If the check has already been cleared, the excessive demand for additional verification to confirm its legitimacy appears unwarranted.
Company Response:
State: NY
Zip: 10003
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I rented a car through XXXX on XXXX XXXX XXXX in New York City for the dates of XX/XX/2023 through XX/XX/2023, and they did not provide me with an XXXX XXXX ( that I requested ), and this resulted in additional charges. However, the price of my XX/XX/XXXXday rental was initially {$320.00}, and I was charged an additional {$290.00} upon returning the vehicle ( I never received a receipt to explain the charges, and I can not get in touch with an XXXX representative over the phone ). I returned the car on time and with no damage, and I did not incur {$290.00} in tolls driving to Delaware and back. I tried submitting a dispute for the additional {$290.00} through the Chase Bank app, but they redirected me to a phone line with long ( XXXX hour ) wait times. I would like Chase to reach out and help me dispute this erroneous charge. Thank you!
Company Response:
State: NY
Zip: 10016
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: XX/XX/2023 XXXX email notice from Chase bank that an application was being processed XXXX email from XXXX XXXX reporting that an attempt was made to check my credit ( which is frozen ) Called Chase Bank fraud reporting line at XXXX to get the report marked as fraud and closed. Asked for a copy of the report details and they said they can not provide that information without a copy of a Government Issued-ID, FTC complaint and law enforcement affidavit. I am now looking to report this crime and seek enforcement as this is likely a party attacking many US citizens and needs to be punished accordingly.
Company Response:
State: PA
Zip: 17356
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Recently it came to my attention that my back had been charging NSF fees, despite federal regulations. I contacted Chase Bank on XX/XX/XXXX requesting the NSF fees on my accounts be reversed. They only reversed the most recent fees, and refused to reverse them all, stating " You have exhausted all of the courtesy refunds available on my accounts. '' I made them aware that it is illegal, particularly in CA, to charge junk fees. Their response was the same, " You have exhausted all of the courtesy refunds for your accounts. ''
Company Response:
State: CA
Zip: 95822
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Chase bank is holding XXXX dollars of my money and I dont have an account there. They made a computer error, which they admit to and the money was accidentally deposited. Now the money has been tied up for 10 days and they will not release it to me. It is with their error response team. I have been to the bank several time and spent hours on the phone only to b told we dont know when it will b released.
Company Response:
State: WV
Zip: 262XX
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX, I mailed a money order, in the amount of {$100.00}, to XXXX Chase Card for monthly payment due on the XXXX. When I received my XXXX statement, there was a late fee, in the amount of {$38.00}, charged. I called the company, on XX/XX/XXXX, to ask the reason. I was told because they " received it on the XXXX ''. I explained that the law is the mailing is effective/valid as of the date stamped on the envelope, by the United States Post Office . I further explained that I do not have control over or can account for when the USPS delivers mail, or, when the company receives it AND/OR DECIDES TO OPEN mail! Therefore, they must remove the late fee and cease and desist charging late fees for payments postmarked on or before the due date. They refused and claimed they only charge according to when my payment is " digitally received. ''
Company Response:
State: FL
Zip: 33801
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Chase charges a fee for cash advances that are not true cash advances for XXXX. They are credit card transactions. I am not advised of this fee at time of purchase so this is deceptive and unclear when I pay through XXXX. The Chase customer rep I contacted would not give me any information on when this fee policy was implemented and only said it would be found in my account opening disclosures. XXXXXXXX XXXX is being exchanged so I am not sure how this is defined as a cash advance. Very confusing and disappointing from Chase as I have banked here for many years.
Company Response:
State: TX
Zip: 77429
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Struggling to pay mortgage
Subissue: Foreclosure
Consumer Complaint: The mortgage lender Chase denied my request for a loan modification in XX/XX/XXXX. The reason for the denial was not provided. I was told I could not apply for assistance. Chase has refused to honor the request for mortgage assistance of any kind of modification, short sale, or Deed-in-Lieu. Chase seems only determined to foreclose on my home. I was given no valid reason other than I had a modification 10 years ago. Chase representatives advised me to apply for the Virgin Mortgage Relief Fund and that once I applied and obtained my application number the foreclosure sale would be placed on hold. My application ID is XXXX, which was given to Chase and no hold has been issued. The actions of Chase are consistent with Equity Stripping and Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance options. This practice violates federal law ( 12 C.F.R. j 1024.41 ) ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual tracking.
Company Response:
State: VA
Zip: 20170
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A