Date Received: 2024-01-07
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: As of today XX/XX/, my checking account has a negative XXXX .Chase has taken 8 overdrafts fees from my account. Half of which is due to all the overdrafts fees. I recently had a death in my family therefor I haven't been working my full time job nor working during the holidays. I called Chase and provided them with this information, the representative was kind enough to take away 3 of the 8 overdraft fees that I have .And also suggested that I try calling back again to take another 3 off. I did and the next representative stated that nothing could be done. I am trying my best to keep account up to date but with all the over drafts fees its becoming harder and harder to maintain my checking 's account open.
Company Response:
State: TX
Zip: 77521
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I purchased and received approval for a XXXX XXXX XXXX and the payment was XXXX and on XX/XX/XXXX I received a letter in the mail saying that the loan was not approved XXXX XXXX XXXX XXXX and JP Morgan Chase. The car payment and the insurance were paid XXXX weeks before the first due date and they removed the money from the account. The new approval was for XXXX and the original approval was for XXXX. I consider this fraud considering the financing was already approved and I already made the first payment.
Company Response:
State: IL
Zip: 60188
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: recently I applied to open a checking or saving account with CHASE but i was denied, i never had an bank account, i have never had a credit card, I had hardly work because XXXX XXXX XXXX currently i am on SSI and i was planning to have a saving account so i could start saving some money, but the financial institution make our lives impossible. They are sharks, they dont help people like me. I am planning to take this issue to members of congress, but before i do it, i would like to have a very clear explanation as to why they are not letting me have an account.
Company Response:
State: CA
Zip: 91387
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: XX/XX/2023 using XXXX XXXX I booked tickets to XXXX, XXXX on XXXX XXXX XXXX. Barely a few days later a war emerged and I received warning from our embassy regarding travel to XXXX. I called to cancel because of the war and was told by XXXX my money could not be refunded. I then disputed the following charges {$1600.00}, {$1600.00} and {$1600.00}. There were two booking numbers for the above XXXX and XXXX on XXXX XXXX departing XX/XX/2023. A few day later, XXXX called me and said although the money could not be refunded, I could change destinations and use the bookings for a different trip. I changed the destination to XXXX, XXXX departing XX/XX/2023. XXXX rearranged the flight on XXXX, a subsidiary of XXXX XXXX. However in XXXX because the of the dispute, XXXX told me XXXX XXXX would not issue the tickets so I needed to pay again until the dispute was resolved, when they would refund the money. XXXX then charged me the very same amount in two separate charges on XX/XX/XXXX and XXXX. The charges were {$3300.00} and {$1600.00} again totaling {$4900.00}. The end of XXXX I asked for the refund and XXXX said they would return my call within 48 hours. That did not happen, I again called with same response. Then I received a call from XXXX and they said they could only do an " electronic deposit '' and would I accept the {$4900.00} as an electronic deposit. I agreed. They asked me to open XXXX XXXX. I told them I have a XXXX and do not have XXXX XXXX. They then said they would need for a different person to help and would call back tomorrow. the next day, they again called and we discussed XXXX XXXX for I had trouble downloading it. They said they would call again the next day for they could only process a few per day. Another day passed, I did download XXXXXXXX XXXX and they started the process but as they continued I realized they were taking over my computer and I stopped them ... quickly removing XXXX XXXX as well as the apps they had been installing on my computer. I heard nothing more from them. I called again and was told they would call me within 48 but did not. The departure date of XX/XX/XXXX approached and I took the trip with the original two booking numbers of XXXX and XXXX. XXXX had to cancel the departure flight and rebooked us on XXXX but pointed out this was another change meaning My first flight on XXXX rearranged to XXXX was a change and this cancellation meant another change but XXXX was very helpful and rearranged everything as we were traveling to XXXX XXXX airport for departure. When I returned I reported the problem to Chase Freedom Card but received no help for they were confused that I had two different charges by XXXX, the first being to XXXX XXXX and the second to XXXX. Even though the totals were the same, Chase could not understand that there never were other booking numbers only the first for there was only one trip. XXXX again promised to call within 48 hours but never did.
Company Response:
State: CA
Zip: 926XX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Chase bank is holding funds on a BUSINESS check for 7 business days, 12 calendar days. Per their website, some funds should become available immediately ( none are ) and the hold should be no longer than 5 business days. We called the account holds department and because the issuing bank does not verify funds over the phone, nothing can be done. Electronically, this should clear their system in 1-2 days. Why the exceptionally long hold time? I regularly made large deposits ( as a sole proprietor ) and recently these excessive holds have felt unfair and unreasonable.
Company Response:
State: CA
Zip: 930XX
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize anyone employed by this company to make any inquiries on my credit report.
Company Response:
State: CA
Zip: 92555
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received a letter from Chase Bank ; ( reference # : XXXX ) ; denying my application for a XXXX XXXX XXXX account. I called them, was transferred to the fraud department where a woman named " XXXX '' was " working '' with me. She wanted additional information from me, which I refused to give, and she told me that she couldn't give me any details on the credit application when I asked for them. She told me that they could only work with the authorities. I asked when the application was submitted and she told me XX/XX/2023. I asked her how that could be when the letter was dated XX/XX/2023. She told me she couldn't provide me with any information, that I had to go to the authorities. I told her I expected this to be removed from my credit report ( s ) immediately and that I submitting this to the authorities. The call was disconnected. Someone tried to get a credit card in my name through CHASE BANK, and Chase was absolutely, appalling to with. They must be in on this scam or they would want to help the consumer.
Company Response:
State: OH
Zip: 44203
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I am writing to express my deep dissatisfaction with a recent incident that occurred with my account. On XX/XX/2024, I discovered a transaction on my saving account statement dated the same day, indicating a withdrawal of - {$18000.00}. I did not receive any notification, alert, or confirmation about the issuance of this check, and I certainly did not provide any consent for such an action.
Company Response:
State: CT
Zip: 06511
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I used my Chase Freedom credit card to make a purchase at the XXXX XXXX XXXX XXXX store in XXXX XXXX, NY on XX/XX/XXXX. My Chase Freedom card had a cash back deal for 15 % back on purchases made before the expiration date of XX/XX/XXXX. The cash back for my purchase of {$59.00} should be {$8.00}. I have not yet received my cash back totaling {$8.00}. I have contacted Chase customer server on numerous occasions providing the details required to issue the cash back. My first contact was on XX/XX/XXXX with XXXX who stated she created an escalation to receive the reward. I spoke to XXXX on XX/XX/XXXX and was told they were still working on it. I received a letter in the Chase message portal on XX/XX/XXXX stating the Bank needed additional information. I called on XX/XX/XXXX & was told to send the paperwork that proved I satisfied the terms of the offer via the Chase message portal. I received a letter back almost immediately stating they don't accept documentation via the portal. Unbeknownst to me, the case was then closed. Only when I called back to check the status of my case was I informed the case had been closed. At that point I requested to have the case re-opened. I contacted Chase once again on XX/XX/XXXX and spoke with XXXX who stated that as of XX/XX/XXXX the Bank was still working on it. I checked my portal again and on XX/XX/XXXX there was another letter stating that I was requesting {$28.00}, which I have never requested. That is the maximum amount allowed under the promotion. If the representatives can't get the information correct how am I supposed to get what I am entitled to? I have proven I satisfied all of the requirements of the promotion and I am entitled to {$8.00}. I feel Chase is giving me the run-around in hopes I give up my quest to receive my cash back promotion.
Company Response:
State: NY
Zip: 10305
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My debit card was fraudulently used by someone I do not know at an online banking service called XXXX. The criminal sent and stole {$270.00} from my checking account to this service. Chase bank told me they would investigate this and I figured this is a pretty clear case of a hacker stealing my debit card information and stealing my money. Chase has since proceeded to tell me that their conclusion is that this was not fraud and that they would not refund the stolen money. I find this to be pretty ridiculous.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A