Date Received: 2023-08-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have dealt with the issue for over 6 months and made phone calls for over 20 times. Every time this bank made a new story about they were processing it and asked me to wait 48 hours or 7 to 10 business days and nothing ever happened. I keep calling and they keep doing the same thing over and over again in a pattern of infinite loop. They told me they may have a system problem and they are trying to understand it. I am pretty sure it would never resolve it without going through legal help
Company Response:
State: CA
Zip: 95127
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I online deposited a check for {$770.00} made out to me by my previous landlord returning my security deposit. XXXX days later on XX/XX/2023 my first paycheck containing my first weeks pay and a relocation bonus totaling to {$4600.00} from my new job was direct deposited over to me. I did not see any evidence of these funds either pending or being deposited into my account on that day. I was concerned, but waited over the weekend before calling my employer and confirm that the funds were indeed sent over, after this I promptly called Chase bank ( on XX/XX/2023 ) and spoke to a representative who informed me that a hold had been placed on the check for {$770.00} dollars 2 days prior, and that they needed to confirm the company sending the check via their phone number. I gave them the phone number stated on the companies website, and the representative stated that that number was not linked to the company in chases fraud checking system. I found this unusual because 1. No company is going to verify information regarding a check they made out to me to a 3rd party representative ( chase ) and 2. It is very simple to verify that this company does in fact exist and is legitimate if you go to their website, but regardless this is not how banks check whether or not a check is fraudulent anyway. This representative then told me that I because she could not verify it I would simply have to wait 10 days for that check to clear into the account automatically, and that the funds that I had deposited ( paycheck on XXXX ) after the check that was placed on hold ( check on XXXX ) would be available for use within 1-2 business days. I accessed my account via the mobile chase banking app on XX/XX/2023 and saw that my paycheck had indeed appeared in the account and stated that is was available for use. Seeing this, I proceeded to attempt to pay the bills that I had due, upon doing this I received a notification stating that my payment had been declined, even though I had a more than adequate amount stated available in my account. I called Chase bank where I was informed that because they were unable to verify the check deposited into my account on XX/XX/2023 that my account had been restricted due to concerns of fraud, and that if they were unable to confirm the check was legitimate that my account would be closed, and until then I am unable to withdraw OR deposit funds into the account. I then called the property management company that had written me the initial check for {$770.00} dollars and they were incredibly confused as the number they have listed on their website is the only affiliated number with theyre business and they do not know how chase couldnt confirm that it is legitimate as it is listed on their website and if they call they would get a response. I am also at a loss for how chase has had a restriction on my account due to that initial check deposited on the XXXX, yet the direct deposit sent on the XXXX was able to be deposited into the restricted account on the XXXX, yet I am not able to transfer, withdraw, or deposit any money into that same account myself.
Company Response:
State: MS
Zip: 394XX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: They do me fraud in my bank account someone called me to offered me a loan and he enter to my account and do reverse in some payments that I made in the past without my authorization then he promised me that I got my loan and they told me to take all that money out from my account snd buy some money cards and gift cards and when I saw he used all in the same day when I sent all the info of the cards that I buy snd told me that the loan money is going to be deposit by midnight but I didnt see no money in my account I cal this Guy in the morning and told me that they have to use all the cards to deposit the loan I complained and hung up I went to the bank to report snd they do all the adjustments and send money bank to the reverse of my payments but all that money I have to put it back in simple words I was victim of scam and they stole my money and my checking account is overdraft is almost XXXX dollars and I dont have the money to put it back and thats why my checking account is overdraft
Company Response:
State: CA
Zip: 92507
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have reached out 3 times to Chase Bank to make sure they knew I didnt authorize the money taken out of my account. On XX/XX/29 I told them that when I was on the phone with the Fraud department as the event was occurring. I told them that the fraudsters call me, said they were from Chase Bank and they were going to help me figure out why I am not getting my Fraud Alerts consistently. They told me they would send me 2 text alerts that show a fictitious fraud on my account. I was to say yes to the first text and no to the second text that way they could verify I received the fraud alerts. I did as requested for the first text and the next text never showed up. Red flags did not go off for me at this point as they text messages came on the same phone number as the regular text that Chase has used before when there were fraudulent purchase attempts. However, after I responded to the first text the money started dropping from my account. They reassured me they would put the money back that they were testing the account. I knew something was wrong and put them on hold while I call Chase bank and told them I was being robbed at that time. They fraudsters hung up when I put them on hold. I found out later that a card was taken out in my name and shipped to a building in XXXX, IL. I didnt approve that either nor did I get a text message informing me this was done. There were 4 XXXX purchases for each for XXXX this should have been enough to prove it was Fraud, but Chase bank said that the Fraudsters had the card and the pin to get the items. Chase said that I had to have given it to them.
Company Response:
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
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 have made a transaction using my Chase Freedom Credit card to purchase a flight ticket on XX/XX/2023. Later, I have decided to change the flight ticket date and tried to contact the Merchant but XXXX never responded. There is an option in their portal to request cancellation and XXXX will let me know whether I will get the refund or not. But they have canceled my ticket without my approval or confirmation. They have given me {$10.00} of refund out of {$670.00}. I have tried to reach to XXXX but they never responded to me. I have disputed the transaction with Chase company and submitted the required documentation. Chase team keep denied my dispute and they did not provide any response. They keep providing me the reason that my transaction is valid and can not issue credit. I have contacted them multiple times and they ask me to submit the documentation every time I call them. I have re-opened claim for 6 times in past 3 months but they keep giving me the same reason. Today, they told me that the timeline has already passed the timeline and they can't issue credit for my transaction of worth {$660.00}.
Company Response:
State: MI
Zip: 48331
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a third party check amounting to XXXX on XXXX XXXX The bank hold the check for 8 days while theyre verifying the check endorser which they did not verified because the phone nunber is not registered under the name of the check endorser. Now after 8 days the check cleared and they restricted my account. I can not withdraw the money or they can not lift the restriction unless they can verify the phone number i gave them. The problem is the endorsers phone number is not registered with his name and i can not do anything about it. Now the bank is closing my account and will hold the check until theyre able to verify with the endorsers phone number.
Company Response:
State: CA
Zip: 94066
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: date range of transactions : XX/XX/2023 - XX/XX/2023 total amount : {$17000.00} actions taken : attempted to create a class action lawsuit from law firms. Having problems with Chase service called " My Chase Plan ''. So far, can't find a firm to resolve this concern. carding ending XXXX $ XXXX $ XXXX {$190.00} $ XXXX {$1400.00} = {$160.00} $ XXXX $ XXXX {$110.00} $ XXXX $ XXXX {$160.00} $ XXXX $ XXXX {$110.00} $ XXXX {$960.00} = {$110.00} $ XXXX $ XXXX {$21.00} $ XXXX $ XXXX {$16.00} $ XXXX $ XXXX {$110.00} total cost for card ending XXXX : {$12000.00} total fee for card ending XXXX ( disguise as interest ) : {$1000.00} carding ending XXXX $ XXXX $ XXXX {$940.00} total cost for card ending XXXX : {$4400.00} total fee for card ending XXXX ( disguise as interest ) : {$940.00} total cost for all cards : {$17000.00} total fee for all cards ( disguise as interest ) : {$1900.00}
Company Response:
State: CA
Zip: 93030
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was taking taxi from XXXX airport to the hotel on XX/XX/2023. Taxi driver card machine was not working. He asked his colleague for a different machine, which also was not working well in the beginning. So, instead of XXXX $ for a taxi ride, I was charged XXXX XXXX Obviously, it was a mistake. I didn't get the receipt from taxi driver. I called Chase bank immediately when I came to the hotel & they returned me the money. However, today Chase reversed the claim & charged me for XXXX $ again. I called the bank again & explained the situation. They asked for the receipt, which I never had. They said to call taxi company in XXXX XXXX I can't find their information. It's impossible for me to find the phone number for this company. I was told previously by Chase that they can track the transaction & take care for it. Now they are refusing to cooperate & basically I paid XXXX $ for XXXX minutes taxi ride. I was a client of Chase for many years & they are not helping at all now.
Company Response:
State: GA
Zip: 30005
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Fees or costs during the application process
Consumer Complaint: BBB On XX/XX/XXXX I spoke to XXXX XXXX with Chase Home Finance about refinancing my home loan with the purpose of removing another individual on my current loan. During our discussion XXXX XXXX stated that a deposit of {$500.00} would be necessary to cover refinance and appraisal costs. I agreed to the fee. After a week of working with several financial advisors and title broker, XXXX XXXX, I was told that I would not be able to refinance unless I located the individual on my loan. After numerous calls the XXXX XXXX, the XXXX XXXX, and myself could not reach the individual on my account/loan so I was not able to complete the refinance. On XX/XX/XXXX I emailed XXXX XXXX reference a refund of my {$500.00} because I was unable to complete the refinance. On XX/XX/XXXX I spoke to XXXX XXXX Sheets, Chase XXXX about a refund of my money. I was told that I would be notified on XX/XX/XXXX, XXXX and XXXX XXXX about the status of my deposit. I have not received a status on the refund of my deposit as of XX/XX/XXXX. Chase did not provide any services for me related to the refinance because the refinance process was not completed. I feel that I should be entitled to my deposit which was paid with the understanding that the money was to be used for closing and title issues for the refinance which did not occur. On XXXX XX/XX/XXXX I was told that my deposit would not be refunded.
Company Response:
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
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: Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX Subject : Appeal Regarding Unsatisfactory Veterinary Service Dispute with Chase Freedom Card I am writing to appeal to the Consumer Financial Protection Bureau for assistance with a recent transaction dispute on my Chase Freedom card. The transaction in question pertains to a service provided by a veterinarian for the treatment of my dog and cat. The transaction took place on XXXX of XXXX with XXXX XXXX for amount of XXXX dollars. Briefly summarized, my pets were administered steroid injections by this new veterinarian with the expectation that it would alleviate their symptoms, including itching, swelling, hotspots, biting, and licking paws. Sadly, three days post-treatment, not only have their symptoms persisted, but they have also significantly worsened. Given the lack of improvement and the deteriorating health of my pets, I contacted Chase Freedom 's customer service to dispute the charge, hoping for an understanding and resolution. However, their approach towards the situation was unyielding. They suggested I consult another veterinarian and produce a statement that confirms the ineffectiveness of the previous treatment. While I understand the need for verification, I found this requirement burdensome and potentially inconclusive. A secondary veterinarian, without prior knowledge of my pets ' condition pre-treatment, would be ill-equipped to provide a definitive comparative statement. Furthermore, I inquired if Chase would bear the costs for this secondary consultation since it was a condition they imposed, but this was declined. It feels unjust that, in seeking redress for a service that was ineffective, I am compelled to incur further expenses, with no guarantee that they would be recouped. It is important to understand that my dispute is not based on mere dissatisfaction but the tangible worsening of my pets ' conditions post-treatment. It is disheartening that the resolution offered involves additional financial and emotional stress for me. I kindly request the Consumer Financial Protection Bureau to intervene and guide this matter to a fair resolution. I genuinely believe that I should not be held accountable for charges related to services that not only failed to deliver their promised results but also led to further complications for my pets. Thank you for your time and attention to this matter. I trust in the CFPB 's mission to ensure consumers like myself are treated justly in financial dealings and look forward to your guidance. Sincerely, XXXX XXXX XXXX XXXX
Company Response:
State: IL
Zip: 61554
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A