Date Received: 2023-08-24
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: In early XXXX I was traveling in XXXX and XXXX. On XX/XX/23, only a day after returning to XXXX from XXXX, upon checking my Chase Visa and XXXX XXXX checking accounts I noticed that XXXX fraudulent charges ( of {$3700.00} and {$1700.00} totaling {$5400.00} ), were made by the same vendor - XXXX XXXX XXXX located in XXXX, XXXX - on both my Chase XXXX credit card and my XXXX XXXX XXXX XXXX XXXX Both of these charges apparently went through on my Chase card, but only the first charge ( of {$3700.00} ) went through on my XXXX XXXX card due to the fact that I have an established {$4000.00} daily limit and the second charge ( of {$1700.00} ) would have exceeded that limit so it was denied. Upon checking into my new hotel in XXXX, I immediately reported these fraudulent charges to both Chase and XXXX XXXX. Both Chase and XXXX XXXX immediately cancelled their respective cards, said they would issue new cards which I would receive upon my return to the states, and informed me that there would be investigations of my claims. I was left to spend the duration of my trip using a separate XXXX XXXX credit card that I had with me. When I initially reported the fraud, I explained to both Chase and XXXX XXXX that the cards were still in my possession, but that somehow someone had gained access to my cards ( perhaps while the cards were in one of my hotels or while my bags were in temporary storage or while I was in transit ) to make these unauthorized transactions ( they were chip transactions ). Notwithstanding, even though someone was able to gain access to my cards without my knowledge or permission, what I still can not understand is how it was possible for them to make these transactions without any signature, PIN or zip code requirement ( especially with the ATM/Debit card which I have never used for any other purpose than as an ATM card ). What I also did not understand is how it was possible for XXXX such large transactions to be made on both of my cards without prompting any alerts to me from either Chase or XXXX XXXX or requested confirmation from me that I was in fact trying to make these transactions. These charges completely got by their security. Upon returning to the states, I received my new cards. At this time, I presented detailed letters to both Chase and XXXX XXXX outlining my claims. From my perspective, the strongest basis for my claims with both Chase and XXXX XXXX was the fact that the same exact amounts were charged by the same vendor in XXXX at the exact same time to both cards. I also made them both aware that I was pursuing concurrent, related claims for identical fraud charges with each of their institutions and provided them each with copies of statements from the other institution showing that the same charges were made on both of my cards. I confidently assumed that my claims would be resolved in my favor, in large part because during my initial conversations with fraud representatives from both Chase and XXXX XXXX, they all agreed that the identical charges were highly unusual and suspicious. However, to my dismay, after over 2 months of " investigation '' by their respective fraud departments, both my claims were initially rejected. However, after considerable persistence, XXXX XXXX ultimately upheld my claim on XX/XX/23 and reinstated the {$3700.00} that were charged on my ATM/Debit card. Despite the fact that I subsequently provided Chase with a copy of the XXXX XXXX resolution letter in my favor, they continued to deny my claim and are now holding me responsible for making full payment for these XXXX charges and the associated foreign transaction fees. Begrudgingly, I have decided to go ahead and make payment to Chase to avoid any additional interest charges on these {$5400.00} in combined disputed charges, but I have let them know that I intend to continue pursuing my claim in hopes of ultimately recovering part or all of the funds that I have paid to them for these fraudulent charges. Prevailing in this claim and recuperating my money is now the goal of this formal complaint with your agency. I feel that Chase has failed me as a longstanding, reliable cardholder and customer. Prior to taking this trip, I contacted both Chase and XXXX XXXX to inform them of my travel plans to ensure that I wouldn't have any problems using my cards while overseas. They both told me that such notification was no longer necessary because they had advanced security measures in place. Well, their security measures obviously failed. It is interesting to note that while I was in XXXX prior to returning to XXXX, I was only using my XXXX XXXX credit card. Several times when I attempted to use that card for much lesser amounts than these disputed charges, I received text alerts and requests for confirmation that I authorized the transaction. I appreciated this level of security on my XXXX XXXX credit card. So, my question is : how is it possible that XXXX such large ( and identical ) transactions could be made on the very same day of my return to XXXX without triggering any alert or request for confirmation for either of these transactions, especially when incidences of fraud are much higher or more likely in XXXX than in XXXX? The size of these XXXX transactions exceeded any other transactions that I made on the entire XXXX-week trip, including airfares, hotels and car rentals. Surely, their security ( based on their algorithms and tracking of my spending habits ) should have caught this. All other fraud cases that I experienced in the past have always been resolved in my favor. To their credit, XXXX XXXX ultimately did the right thing, but Chase is not supporting my claim. Nor has their fraud team been sympathetic or supportive as I have pursued this claim. When I first reported the fraud on XX/XX/23, they gave no information or suggestions about what I might do ( while still in XXXX ) to support my claim. I am completely frustrated and disappointed with them, and am now turning to your agency to assist with my claim. Please let me know if you have any questions or if you need any additional information. Thank you for your time and consideration.
Company Response:
State: NM
Zip: 87505
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33175
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This letter is in regards to Closed auto account # XXXX. This is my first attempt to bring up the credit reporting inaccuracy to Chase. First of all, I would like to acknowledge this may have been a complete accident. I had recently paid off my auto loan in full, via a mail payment. I had some trouble for unknown reasons on the processing and acceptance of my payment at first. As the exhibits attached clearly demonstrate. On my first attempt, I had sent in my payment on the XXXX of XXXX via Certified mail. It is reported to have been received on the XXXX of XXXX at XXXX XXXX. Then on the XXXX of XXXX a letter was sent out by Chase denying my payment. I had sent my second attempt to Chase on XX/XX/XXXX which was indeed accepted. However the payment of XXXX was reported 30 Days late to the Credit Bureaus.
Company Response:
State: NV
Zip: 89523
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I saw that some have access to my information and used to apply from companies without my consent and I want to let the company know that Im not the one responsible for it so it shouldnt be on my record
Company Response:
State: KS
Zip: 66441
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Application was denied lending service was rude to me and pull my credit for nothing It was denied for having too many credit cards open which is not true I never received a letter from chase and I was told it will be in my chase log in but I never had a chase online account at all. Someone open one up without my permission my application wont be considered by chase and they refuse to look at it it was XXXX XXXX credit card I applied for. And I want this inquiry removed for false advertising or my application looked at again
Company Response:
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023, I was in XXXX XXXX on a business trip. I was fairly inebriated when I walked out of my hotel room and was lured to a bar in XXXX XXXX by two women. They then convinced me to take money out of my account and made note of my pin #. That is the last thing I remember, as I was XXXX and XXXX and woke up in a park around XXXX XXXX on XX/XX/XXXX. The thieves used several of my cards and my phone to access funds from several accounts ; however, Chase Bank is the only one that has denied my claim. The thieves made transactions on XX/XX/XXXX for an XXXX ( {$25.00} ) and two non-Chase ATM withdrawals ( {$100.00} ) and ( {$200.00} ) and sent money via XXXX ( {$20.00} ). On XX/XX/XXXX I was charged 3 non-Chase ATM fees @ $ XXXX. ( {$9.00} ). They also sent a XXXX payment via my account ( {$500.00} ) and made another non-Chase ATM withdrawal ( {$63.00} ). They then made three back-to-back purchases at a XXXX nowhere near XXXX XXXX that included cash back each time ( {$200.00} + {$40.00} cash back ), ( {$200.00} + XXXX cash back ), and ( {$490.00} + XXXX cash back ). My total losses = {$1900.00}. While Chase initially credited these funds back to me, they later reversed all of them. Because the thieves used my pin code and had my card with them, they said that proves it was me. This despite my spending history in no way reflecting the transactions that took place between the evening of XX/XX/XXXX and on XX/XX/XXXX. I told the cab driver about my experience on the way to the airport and he described exactly who the women where, where they took me, and everything in between. Apparently, they are well-known for victimizing men in compromised conditions in that area and do it all of the time. I have found several stories very similar to mine online.
Company Response:
State: AZ
Zip: 85257
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XX/XX/XXXX My name is XXXX XXXX. I kindly request assistance with a pertinent matter involving the acquisition of Social Security survivor benefits for my niece XXXX XXXX. My dear sister XXXX XXXX passed away on XX/XX/XXXX. All agencies were notified of her demise, including the Social Security Administration and Chase bank. XXXX is survived by her daughter, XXXX XXXX, my niece. XXXX is a minor ( Date of birth XX/XX/XXXX ) and orphan. I was appointed as her legal guardian on XX/XX/XXXX. I also applied to be her Representative Payee for her Social Security XXXX Benefits. On XX/XX/XXXX, I was informed by the Social Security Administration that they had released over {$7000.00} in retroactive Survivor benefits for XXXX to a Chase account ending in XXXX on XX/XX/XXXX ; an account with XXXX and XXXX name ( s ) on it. Prior to receiving this information, in XX/XX/XXXX, I submitted a copy of XXXX Death Transcript and the Letters of Administration to identify me as the appointed Administrator of my sisters estate. The facilitation of this process has involved a significant amount of time spent away from work and other necessary affairs. XXXX legal address is the same as mine. However, I never received any notification from Chase, informing me of the payment that was disbursed. As a child, she can not withdraw funds on her own. Therefore, I am surprised that such a respected and well-known financial institution as Chase Bank , did not identify or notify XXXX 's legal guardian to properly disburse these funds. As mentioned earlier, I submitted the required paperwork to both entities and I have reached out to Chase Bank on several occasions however, in spite of my best efforts, Chase has not agreed to release these funds. The welfare and safety of my niece became of prominent importance to me upon my sisters death. XXXX is a XXXX XXXX XXXX of XXXX with special needs. Truly a vulnerable individual who could easily be mistreated if sent into the foster care system. XXXX was her only surviving parent and now she is an orphan. As a society, it is not only a duty but also a privilege to protect those who are most vulnerable. Therefore, I implore you to assist in the following : release of the funds by Chase bank to me by a bank check. Best regards. XXXX XXXX
Company Response:
State: NY
Zip: 114XX
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a credit card in the mail on XX/XX/23. It was sent to my old address that I still have mail forwarding on so it was forwarded to my current address. I immediately pulled my credit report. I called and told Chase that I did not apply for any credit card with them and they closed the account. The account is listed on all XXXX credit bureaus with a {$140.00} balance reported. I have disputed the account with all XXXX bureaus. The representative that I spoke with on XX/XX/23 at Chase ( XXXX XXXX said that the balance was {$200.00}. There were no hard inquiries on XXXX or XXXX. There was a hard inquiry on XXXX. I put a credit freeze and fraud alert on all XXXX bureaus on XX/XX/23. I called XXXX on XX/XX/23 and disputed the hard inquiry. They removed. On XX/XX/23, I received an email that the account was listed on XXXX. I called and filed another dispute to have that account removed. On XX/XX/23, I received a letter from Chase that they closed the account and were investigating. On XX/XX/23, I mailed a request to Chase to provide a copy of the application that includes a summary of all of the relevant information about the credit card account that was opened in my name.
Company Response:
State: SC
Zip: 29036
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I purchased my flight with Chase through Chase Rewards. Directly after paying for the flight, I received a message that my flight schedule changed. When I had originally bought the ticket, it showed a later departure time, but directly after purchase the departure time was earlier. I know that a different time was shown pre-purchase because I am traveling from XXXX, XXXX to XXXX, XXXX. Due to XXXX 's active full-scale invasion of XXXX and XXXX of critical infrastructure, XXXX now has no functioning airports. Therefore, it takes me over 16 hours to reach XXXX. I would have never bought an earlier flight, XXXX XXXX was the new shown departure time, because I know the schedule of the limited trains that leave XXXX for XXXX. I would never be able to make a XXXX flight so I would have never purchased it. Additionally, I have proof that Chase informed me of a flight schedule changed which remained on my Chase rewards dashboard for weeks after the purchase. When I contacted Chase, they said they called the airline and there was no itinerary change. This is probably true ; however, the issue was not with the airline, rather with the Chase rewards system/dashboard. Chase refuses to reimburse me and when I tried to change the flight, they only offered prices that were significantly higher than on the airline 's website. Additionally, when I called Chase rewards customer service, following a heated conversation of frustration, the customer service representative sent me more than approximately 30 emails with my trip overview in direct retaliation for our discussion. Of this, I also have proof. I have lost XXXX USD, received horrendous customer service who spammed my inbox in response to the phone call, and I believe Chase proposed inflated prices for a flight change. A flight that costed XXXX USD they proposed to me for {$1200.00}. I kindly request this issue be reviewed, I would like Chase to reimburse me, and I am happy to provide proof. To this day, the only recognition of guilt reimbursement they provided was XXXX credit points which are XXXX USD, when I lost XXXX USD worth.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
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: # Original transactions : - On XX/XX/XXXX, I booked XXXX plane tickets for {$1400.00}. - On XX/XX/XXXX, I rebooked this flight for a later date. Since only one day had passed since the original booking, and the new flight date was further in the future, the new tickets were priced the same as the old ones, and the rebooking fee was indicated as {$0.00}. I completed the rebooking process without any request for payment. My card was not charged, and the new flight date was confirmed when I checked the booking code on the XXXX site. - On XX/XX/XXXX, the date of travel, I was informed at the airport check-in counter that " the ticket was never issued. '' I was asked to pay {$930.00} immediately or face denial of boarding. I believe the quoted amount represents the difference in ticket cost as if I were rebooking it on the day of travel, despite having already done so two months prior at a more favorable price. I expect the merchant to honor the price I was originally given. If any charges were required, I should have been notified on XX/XX/XXXX, and my card should have been charged as part of the rebooking process. Changing the travel date displayed on the XXXX system necessitates a payment, except for technical errors, which I believe is the case here. # Dispute with XXXX : This complaint pertains to Chase, so I'll be concise : I have spoken to XXXX twice, and their response has been that " I took the flight, '' leaving the core issue unaddressed. They have not discussed what transpired during the rebooking process on XX/XX/XXXX. # Dispute through Chase : - On XX/XX/XXXX, Chase acknowledged my dispute, in which I provided the aforementioned details ( CLAIM ID : XXXX ). - On XX/XX/XXXX, Chase sent me two letters : " We consider the disputed charge ( s ) valid '' and " Here 's dispute information from the merchant ( s ) for your review. '' The second letter essentially reiterates my conversations with XXXX, including evidence showing that " I took the flight. '' However, there is no mention of addressing the initial rebooking process. The letter also contained a form to continue the dispute, which I completed. - On XX/XX/XXXX, I received another letter ( CLAIM ID : XXXX ) stating, " We reviewed our original finding that you are responsible for the credit card transactions you disputed with us. '' Once again, there is no indication that anyone investigated the issue beyond accepting XXXX 's assertion that " I took the flight, '' which is not the point of contention in my dispute.
Company Response:
State: CA
Zip: 94306
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A