Date Received: 2023-08-31
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX, I initiated an international wire transfer from my Chase online banking and due to a mistake on the recipient 's information, the transactions was rejected by the receiving bank, within the same day. +1business day - I contacted Chase next day XX/XX/XXXX, and they informed not seeing the transaction being rejected yet. +2business days - By XX/XX/XXXX the funds were still not credited back to my bank account from where I initiated the wire, so I contacted Chase again and they informed that they still had no notification of the rejection. +3business days - On XX/XX/XXXX Chase informed seeing the rejection on their system, but pending some details from the intermediary bank- XXXX XXXX XXXX about where to credit the funds back. I also contacted XXXX but they did not support me as I'm not customer of them. +4business days - On XX/XX/XXXX Chase informed that they were still pending response from the bank, but changed the argument that it was not the intermediary bank but the receiving bank in XXXX XXXX The transaction beneficiary contacted the bank in XXXX, and obtained screenshots from the XXXX system in which they probed to have responded to Chase on XX/XX/XXXX. The call was escalated to a supervisor, who did not provided any further support than the analyst. +5business days - On XX/XX/XXXX ( day of filling this claim ) Chase informed that they did receive confirmation from the receiving bank, on the day before ( being the case the receiving bank probed they responded way earlier ) but that it would take another XXXX business days to finalize the " investigation '' and credit the funds back to my bank account. At this point, the funds have not been credited to my bank account yet and the bank is not assuming any responsibility. This is totally unacceptable and a rejected wire transfer shouldn't take that excessive amount of time to be refunds. Chase has the funds since XX/XX/XXXX and they are illegaly retain customer 's funds.
Company Response:
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: An unknown individual place an application with chase credit. I reached out to chase bank, and they said I should receive a letter stating that.
Company Response:
State: NJ
Zip: 07960
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
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: XX/XX/XXXX we submitted a claim against XXXX XXXX XXXX XXXXXXXX XXXX for a demand for refund which was promissed to us, which was well within the 60 days for ELECTRONIC FUNDS TRANSFER ACT. Chase did not even review any of the information we sent over denied our claim but we then reapplied to reopen the claim, as they submitted our initial response incorrectly. the information we supplied them with was receipts from the purchase, proof of refund receipts from the company complaints with the State attorney general of new jersey and FTC fraud complaints in the amount of XXXX for the claim. all screens shots of conversations. Chase bank now has wasted over 9 months denying me my rights and now I am in a position where I'm entitled to damages, and being discriminated against, and I'm now entitled to pecuniary damages since the account never settled, this is extremely distressing and im going through extreme mental anguish for almost a YEAR with this ordeal, non- of the agents or chase have assisted in resolving this matter they are simply stating we are at fault, and with this Accusation this is defamation and we are still waiting 15 days after our last response with chase 3-4 hours on the phone to no avail. This is a clear violation of my CONSUMER RIGHTS and I will seek damages for chases unwillingness to resolve this immediately. They are failing in there fiduciary duties to protect me the consumer against such fraud, and has shown a pattern of non-compliance for over 9 months of non-response, and dishonoring my claim and me. from STATE ATTORNEY GENERAL From : XXXX XXXX XXXX Sent : Saturday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : Requested information. From : XXXX XXXX XXXX Date : Tuesday, XX/XX/XXXX at XXXX XXXX To : XXXX XXXX Subject : Refund for Passed Challenge XX/XX/XXXX Hello XXXX, My account qualifies for refund, as stated from XXXX chat, let me know If I need to pull up the chat history. XXXX bought after XXXX did not qualify XXXX bought Before qualified, as was stated by your administrative team. I passed my account not a third passing service and would like to have this amount refunded to my account within a reasonable time frame. Ive attached the following requested information needed to process refund to my credit card. Thank you
Company Response:
State: NJ
Zip: 07017
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX, Chase bank informed me that my checking account ending in XXXX was temporarily frozen due to suspicious activities and asked me to call them. I called them immediately and found out that my account was hacked into and XXXX wire transactions of {$2800.00}, total of {$14000.00}, was sent to people I don't know. Chase bank helped me file CLAIMS and RECALLS on those fraudulent transactions on the same day. During the call, Chase asked me to change my email passwords and account log-in credentials, and I did. Also, I was told by Chase 's claim team that they will send me a reclaim packet to fill out and asked me to sent back once I completed. Later when I checked the emails ( XXXX ) to see if any more damages were done, I confirmed that my email account was also compromised as I found those notification emails of Wire Transactions from the TRASH folders, which was not done by me. Few days later, around XX/XX/XXXX, I checked my business account ending in XXXX, and found out that similar things happened on this account : XXXX unauthorized wire transaction, total of {$10000.00}, was sent to the people I don't know. And the recipient bank of those transactions were the same as my personal checking account. Not only that, the amounts being fraudulently wired were the same between XXXX accounts- {$2800.00}. When I checked the fraudulent transaction date on this account XXXX, the fraudulent wire was sent on XXXX XXXX day before I was notified by Chase regarding the fraudulent transaction of account XXXX. The net day, XX/XX/XXXX, I went to a Chase Bank XXXX in XXXX, ID to file the claim. On XX/XX/XXXX, I noticed that Chase refunded the {$10000.00} to my business account ending in XXXX. Then on XX/XX/XXXX, I received Chase 's " claim packet '', and I filled the packed by describing the incident on account XXXX and sent back, assuming this packet is for my claim that I filed on XX/XX/XXXX. On XX/XX/XXXX, I called Chase and asked the progress of claim regarding the account XXXX for amount of {$14000.00}, and I was told it's still being reviewed. On XX/XX/XXXX, I called Chase again but this time I was told that my claim regarding the account XXXX for amount of {$14000.00} was rejected way back to XX/XX/XXXX. On XX/XX/XXXX, I called Chase again to ask for explanation of the rejection of claim regarding the account XXXX for amount of {$14000.00} as the claim for account XXXX was refunded, and I was told that claim of XXXX was associated with the " RECALLS '' so the back office rejected it XXXX day after I file the claim. on XX/XX/XXXX, I requested the Chase XXXX XXXX to reopen my case as all these information pointed to that the fraudulent transactions were all conducted by the same group of people- the time range, the amount, the receiving banks are all the same for XXXX accounts- but I was told that the decision they made on XX/XX/XXXX was the final and they won't reopen my claim for investigation.
Company Response:
State: ID
Zip: 83706
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I signed up for a Chase XXXX XXXX and was approved with a limit of {$3500.00}. Since I've received this card, i've been trying nonstop to create an account. When I called Chase Customer Services, they said they locked me out of my account because I failed an identification question ( something about a street I was associated with ), and was told I would get a call within XXXX hours. This was on XXXX. It's now XXXX. I still can not create an account. Even when I am trying to create the login myself, it doesn't allow me too. However, I can continue to use my card. This is completely messed up.
Company Response:
State: CA
Zip: 90621
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX 15 USC 1681 Section 602 states that I have the rights to privacy. 15 USC 1681 SECTION 604 A section 2 : it also states a consumer reporting agency can not furnish a 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 a purpose.
Company Response:
State: FL
Zip: 33823
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check from my new employer of {$25000.00} on XX/XX/XXXX. Prior to that I deposited another {$5000.00} check on XX/XX/XXXX from the same maker. Chase bank then restricted my account on XX/XX/XXXX ( day the funds where supposed to be available ) because I could not provide them with a " verified phone number '' from the maker of the check. The funds where already cleared on both sides and the bank still denied releasing the funds, there is no verified number with this company as it was just established in XXXX of XXXX and the CEO does not have a business phone number. I have offered to go into a local branch WITH THE MAKER of the check in which he could provide ANY and ALL information showing he is in fact the maker of the check however that was denied??? This seems totally unethical and extremely illegal.
Company Response:
State: IL
Zip: 60098
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: 1 ) I ( XXXX XXXX ) sent the below email a week ago thinking my account was handled as at that time it was. I then get a message the case is closed but I'm responsible for a balance transfer and they added that back to my account. This is not our balance transfer ; again, fraud was on this account left and right, and you keep closing it, opening it, and allowing fraud. None of the charges including balance transfer are my responsibility. This was already gone over and you cleared it but now you have added it back. I have a letter from you stating this is not my responsibility and would be corrected with all the credit bureaus but that still needs to be done. The balance transfer needs to be removed this is not mine and does not belong to me. You had it removed and now added it back. I have sent the hospital stay and XXXX XXXX documents under the care and I was incapacitated during that time. I had no way for this to occur and this was not ours. You issued the proper credits but recently added the balance transfer, which needs to be removed. Account ending in XXXX, now updated to ending in XXXX. 2 ) I ( XXXX XXXX ) Have sent several emails and contacts through the Consumer Protection Bureau, but you have not corrected the account. I got a letter from you stating I'm not responsible for the account and balance and that you would be issuing the update to the credit bureaus. You still are calling me, harassing me, and have not corrected the account, closed the account, and issued the credits due to me. We have sent the hospital and XXXX paperwork for this account. These were opened somehow from the above account being opened and we kept paying thinking it was the above account we originally opened. Account ending in XXXX. 3 ) We have followed all the rules for assistance with the account and getting this corrected. Several areas have not been following through on your end and violated many disability act protections. I want to ask if this is once and for all corrected and cleared in FULL for both of us. Additionally, I received a text message days ago there was fraud on my account again and a new card is being sent. We are very leery about having now any of these accounts open with all the fraud that has and continues to occur. I will leave the one new one for now, but hold off from any transactions until we hear this is fully cleared. Sincerely, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX From : XXXX XXXX XXXX Sent : Wednesday, XX/XX/2023 XXXX XXXX To : XXXX XXXX Subject : Re : Account Ending in XXXX Dear Chase Executive Department , Our family resides in XXXX and we have been away ; I apologize. I believe the one account has been closed and corrected ; thank you! I see it is all corrected now. I see an issue, though there is still an account in only XXXX XXXX 's name now and he never received this card, but we have paid on it thinking it was his or valid. This whole mess has thrown us and caused such chaos and confusion. I see we received a letter that it would be closed at the end of last year and it is not our responsibility. We came to find out we did not owe these fees and monies paid. I have the letter from Chase stating this at the end of last year and it appears it still needs to be closed or settled. I'm receiving emails about collections and late payments on my phone. Please stop this account and close it. Please correct this matter at once. Thank you We believe this account is under XXXX XXXX only and ends in account number XXXX. We sent the hospital documents and account details altogether and were last told this account was removed and had been handled, and maybe it has been now. The hospital records and deemed incapacitated at this time made this unable to be our cards. We made payments that were refunded to the one card but not on this one. Thank you, XXXX and XXXX XXXX
Company Response:
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: A few months ago I filed a complaint with CFPB ( XXXX ). The complaint was received and the response returned. I had noted that the new " click-wrap '' agreement to access my account was unrealistic ( over one hundred pages to read and accept ), and the response was it had to be acknowledged before I could access my account online. Since I was not going to try to read and understand the document, nor perjure myself by clicking the box stating I read the document, my only reasonable course of action as a consumer is to close this credit card account. The company will not allow online closure of the account, and require a phone number be called. On XXXX XX/XX/2023 around XXXX Eastern , I called the number and spoke with the representative. They were sorry to hear that I was going to close the account. They forwarded me to another department to handle the closure request. I have been on hold for over an hour waiting for a customer service specialist. This is very unreasonable.
Company Response:
State: MD
Zip: 21042
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On the morning of XX/XX/2023, I had discovered that there were a total of 23 separate unauthorized transactions on my account. I immediately called Chase bank and notified them. They shut down my debit card and informed me that it would be 3-5 business days before I would receive a new one. 5 days later my card came in the mail and they gave me credit for those transactions that were not authorized. I did not know that there would be an ongoing investigation, proving that those transactions were valid. Thinking that everything was fine, on the morning of XX/XX/XXXX, all of those unauthorized transactions were suddenly charged back to my account. Immediately, I called Chase bank to find out what occurred and why were these transactions reintroduced to my account. The man on the phone informed me then that my claim had been denied, due to the fact that those transactions were made with a digital wallet. I rarely use my digital wallet to purchase anything. I can prove this because my wallet is in front of me. Those transactions only showed up on my account statement, never on my digital wallet log. The person on the phone suggested that I contact XXXX XXXX, which was a dead end because they are not a bank. I went to my local Chase branch and the woman that assisted me gave me the number to Chase Disputes XXXX. I called there and spoke to a woman named XXXX. I informed her about my issue and she offered to submit my case for reassurance, which would take 5-10 business days to process. 10 days had passed and nobody reached out to me. Consequently, I reached out to them to check on the status. A woman there informed me that my reassurance claim had also been denied. Today is XX/XX/XXXX and they have yet to send me any correspondence regarding a claim denial. As a chase customer, I assume a 0 percent liability for fraudulent transactions, therefore this is a breech of contract. Nobody has spoken to me from Chase and nobody ever will. I have almost {$400.00} worth of unauthorized transactions on my account still and they refuse to do anything about it, even though I have been banking with them for almost 22 years.
Company Response:
State: LA
Zip: 70065
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A