Date Received: 2023-09-05
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 saw charges to my card because my balance was above normal so when I went to review I say multiple charged dating back from XX/XX/2023 to XX/XX/2023. Certain charges were reversed and others were kept to my account now my bank is trying to force me to pay for these charges
Company Response:
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: JPMorgan Chase pulled a credit inquiry for an application to a credit card that I did not request on XX/XX/2023. I called them and told them that it was not me who applied for a credit card. They said they would cancel it and suggested some steps to take along with a packet they are sending me. I froze all inquiries to the 3 major credit bureau companies and put on fraud alerts.
Company Response:
State: WI
Zip: 53081
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I am writing to file a formal complaint against Chase Bank regarding an incident that occurred on XX/XX/XXXX, which resulted in unauthorized charges that caused my account to overdraft. Despite my efforts to resolve the matter directly with Chase Bank, I believe that my concerns have not been adequately addressed, and I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to resolve this issue. On XX/XX/XXXX, I noticed several unauthorized charges on my Chase Bank account. These charges were made without my consent or knowledge, and they resulted in my account being overdrawn. Immediately upon discovering these unauthorized charges, I contacted Chase Bank 's customer service department to report the issue and dispute the charges. I provided all the necessary information and documentation to support my claim that these charges done on XX/XX/XXXX were unauthorized. When i filed my dispute I was assured by a customer service representative that an investigation would be conducted and a temporary credit will be posted to my account while they conduct the investigation. but that did NOT happen, i never received a temporary credit while dispute i filed was being investigated. I have not been able to use my account or have access to my money that was taken since this incident because they would not provide a credit like they said they would. Despite the assurance of an investigation, I have not received any resolutions from Chase Bank regarding the unauthorized charges. The charges made on XX/XX/XXXX Were unauthorized. I been trying to get this account resolved for over a month. Furthermore, I continue to incur overdraft fees and other financial hardships as a result of this incident. I should not be held accountable for charges i did NOT make. I believe that Chase Bank 's handling of this matter is in violation of my consumer rights and the regulations set forth by the CFPB. I have made every effort to resolve this issue through direct communication with the bank, but their lack of responsiveness and inaction has left me with no choice but to escalate this complaint to the CFPB for assistance and intervention. I kindly request the CFPB to investigate this matter thoroughly and take appropriate actions to resolve the unauthorized charges on my account. I am seeking a full refund of the unauthorized charges, as well as the reimbursement of any associated fees or penalties incurred due to this incident.
Company Response:
State: NY
Zip: 11208
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I closed my XXXX XXXX account in early XXXX as I wanted to open up a XXXX XXXX Account instead. I knew I had a balance of about XXXX Ultimate Rewards points, so when closing the account, I explicitly asked about my points, and the reps said I wouldnt lose them as I had other cards that were on the Ultimate Rewards Program. On XX/XX/XXXX, I actually transferred over XXXX points from another card into the XXXX Ultimate Rewards account to consolidate all my points under one account. On XX/XX/XXXX, I was transferred XXXX points out of that account to purchase airfare. I believed all things were normal, until I logged in on XX/XX/XXXX to discover all my XXXX plus Ultimate Rewards points had been forfeited. I reached out to the bank, to the credit card number, and to support on XXXX -- and they all told me I was out of luck because the account was closed and I had 30 days after closure to move or use the points. In summary, despite all my attempts, I lost over XXXX points which I had accumulated over years, these points are worth between $ XXXX {$8000.00}! Three major things at play here - 1 ) I was able to transfer points in and out of the account as recently as XX/XX/XXXX and XX/XX/XXXX, respectively. This is over 2 months after I closed my account. If their policies state 30 days, why would they let me move more points into the account after the account was supposed to be closed? 2 ) Nowhere on the portal, as an email, or anywhere was I was warned that the rewards account would be closing and I need to move my points. The portal was behaving completely normally. I can actually still see that account on my Ultimate Rewards portal when I log in! 3 ) Multiple times, the account reps told me that I would not lose my points. And I spoke with them multiple times because I applied for the XXXX XXXX XXXX and got denied because I still had an active Sapphire card with a balance.
Company Response:
State: CA
Zip: 94062
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Account payment history and date of first delinquency are incorrect. This account is too old and obsolete and should not be reported to my consumer reports. They are reporting inaccurate information to my consumer reports and are causing me damage.
Company Response:
State: MI
Zip: 49424
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I tried to purchase insurance for my pet on XX/XX/2023. My payment was declined several times. I checked my account on the mobile app and everything looked fine. I called Chase customer service and they informed me my account is frozen and in the process of closing. They refused to give me any details as to why, they offered no help at all. I went to a chase branch and they informed me the same thing, they wouldn't even let me withdraw my money at all. I then called chase customer service one more time and got no where again. She also refused to provide any details as to why my account was frozen and in the process of closing and why I had no access to my funds.
Company Response:
State: TX
Zip: 79936
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I had started a business. I later closed the business and all accounts linked to this business so I had thought. I no longer had access to my business accounts later to find out my credit card account was being charged for a business page that was closed and no longer functioning. I had tried to dispute this entire transaction because it should have never been charged as I had closed my business account a year almost prior to this charge.
Company Response:
State: OH
Zip: 44903
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX I recieved a alert from XXXX. It read JP Morgan Chase account opening reported. On XX/XX/XXXX JP Morgan Chase reported a bank account opened with your SSN. Company JP Morgan Chase Inquiry date XX/XX/XXXX. phone XXXX The agent I spoke with on XX/XX/XXXX around XXXX told me he could not give me any information because I did not have a account with JP Morgan . I explained to him someone was fraudulently attempting to open up a account in my name per my XXXX alerts. I then asked to speak with a manager, and he responded the same way. I asked could he transfer me to the department to help dispute it off my credit report, and he said yes but transferred me back to the automatic voice tool.
Company Response:
State: MD
Zip: 21212
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Company Response:
State: CA
Zip: 92394
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: In XX/XX/2023 I received a promotional flyer in the mail from Chase Bank which stated if I deposit XXXX into a savings account and leave the funds in the acct for 90days I would receive XXXX which I received, the same mailer stated that if I set up direct deposit and have a direct deposit into checking within 90 days of enrollment I would receive an additional XXXX dollars of which I still as of XXXX XXXX havent received, finally the mailer stated that if I successfully completed both offers id get an additional XXXX which as of today XX/XX/XXXX havent received. I called XX/XX/XXXX and inquired at which time a tockets was reportedly placed on my behalf with the back office to research, and I was then told that it was a system issue and id receive the missing XXXX dollars within 15days I waited and then gave a few additional days with still no payments, Ive called twice in the past week and half with no further info provided, tonight I called and they opened up a follow up as we are almost 30 days past the initial inquiry and chase has not upheld their solicited offer to me which I consider a legal agreement.. at this point they need to pay me interest on the missing funds
Company Response:
State: FL
Zip: 33556
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A