Date Received: 2024-01-06
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: XXXX, Thank you for your prompt and courteous response to the mistreatment I have been receiving for months at the hands of Chase Bank. Also, many thanks as well for your concern. I assure you and Southwest I shall continue to fly on your airline as I have done since my early business flights back in the XXXX. Over the last year Chase has canceled and reissued my credit card account number 6 times where I have retained and documented this activity on the part of Chase. Chase advises this policy is initiated each time I fail to recognize a charge. I have opined numerous times to simply cancel the charge and partner with me in monitoring charges as I do on a weekly ( sometimes more frequently ) basis. Each time Chase issues a new credit card number and card, I must spend hours on the phone calling my monthly bills ( creditors ) to report a new card. This activity must wait 5 to 7 business days until my new card arrives in the mail via of regular mail where it is ( as ) or more vulnerable to theft or being lost in the mail ; creating a greater credit threat than any single unrecognized charge. At last, check my credit score was near or just above XXXX. Today in the mail I received 4 cancelation notices as Chase did not process my automated premium payment for my homeowners, auto, umbrella, and scheduled items floater ; leaving me with 15 days to make a payment by alternative methods or face having no homeowners, auto, umbrella liability, and valuable articles coverage. I have copied my congressman on this email, and I am filing a complaint with the Consumer Financial Protection Bureau where I shall copy both your office and Congressman XXXX XXXX on this email and shall provide a copy of my complaint to Consumer Financial Protection Bureau to Chase, Southwest Airlines, and XXXX XXXX. I believe action to prevent the above practice should be taken immediately not only because of its negative impact on consumer credit, ability to pay monthly bills, possible negative impact on credit scores, but also because this policy is applied broadly by Chase and is only intended to protect their financial institution without regard or even the slightest care for the consumer, their customer. In addition, I am asking XXXX XXXX to consider legislation that would require all banks to initiate recovery actions against predators who make fraudulent postings. I have spent 45 years investigating insurance claims, fraud, money laundering, mail fraud, and I can tell you with all certainty ; Chases fraud department is a sham! It is sad that such a fine airline as Southwest would expose their long standing and frequent flyers to such un-caring service that lacks the flexibility to place your good customers financial interest ahead of their recalcitrant corporate policy. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX From : XXXX XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX XXXX To : XXXX Subject : Southwest Airlines Response to your Inquiry ( Case XXXX XXXXXXXX ) Dear XXXX, Thank you for taking the time to contact us. As a valued Rapid Rewards Member, I appreciate the opportunity to respond to your concerns. Im sorry to know that you remain disappointed with the Southwest Airlines Rapid Rewards Credit Card from Chase. Although Chase must address your concerns directly, that doesnt mean we arent saddened to learn about your continued frustration. We use feedback like yours to ensure that our Customers find value in the service that we provide, including our relationships with our Partners, and your feedback will be made available to our Senior Leadership. It's our hope that you will continue flying Southwest Airlines as it would be our privilege to welcome you onboard for many years to come. Sincerely, XXXX XXXX Southwest Airlines XXXX | Flight | Hotel | Car | Rapid Rewards | Travel Tools This is a post-only mailing from Southwest Airlines. Please do not attempt to respond to this message. Southwest Airlines XXXX XXXX XXXX XXXX XXXX XXXX XXXX Copyright XXXX Southwest Airlines Co. All Rights Reserved. XXXX Confidentiality Statement/Disclaimer XXXX This message and any attachments are intended for the sole use of the intended recipient. It may contain confidential information. Any unauthorized use, dissemination, or modification is strictly prohibited. If you are not the intended recipient please notify the sender immediately, and delete this email from all your systems ; do not copy, use, or print. Internet communications are not secure, and it is the responsibility of the recipient to make sure that they are virus exempt. The company/sender can not be responsible for any unauthorized alterations or modifications made to the contents. If you require any form of confirmation of the contents, please contact the company/sender. The company/sender is not liable for any errors or omissions in the content of this message. XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NC
Zip: 28734
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: Closing an account
Subissue: Company closed your account
Consumer Complaint: I opened a Chase XXXXXXXX XXXX account on XX/XX/2024. When I opened the account, I did XXXX myself the amount left from a different checking account from a different institution, XXXX XXXX. My sister transferred my savings, which was about {$7800.00}, to this checking account to transfer to a savings account in the future. I used this money to pay my tuition. I did deposit and tried to XXXX a friend. My account was locked due to suspicious activity, which I called the number. The representative informed me that my account would be closed and I am unable to open an account in the future. I asked for the reason and asked to speak to another person. I was denied to speak to anyone and was told to try to talk to another representative. I was told the same information.
Company Response:
State: CA
Zip: 95122
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: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I closed my old account due to fraud and open a new per their instruction after a day or two they closed the new account and kept the compromised account open. I have available funds and they won't let me have because it's restricted and that's the account I closed. They claim it takes 10 business days to close my restricted account and I reported the fraud XXXX XXXX I can not get a straight answer from it changes every day. They claim I have to wait for them to cut me a cashier check and it can take 10 business days to get my money there we're 10 checks deposit to my account
Company Response:
State: TX
Zip: XXXXX
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: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I purchased two sets of skin care products at a XXXX store on XX/XX/XXXX. On XX/XX/XXXX, I found out that I was allergic to the products and then on XXXX, contacted the XXXX store. They told me that this set can not be returned or exchanged. Regarding the return policy, I was not accused when I purchased. Later I contacted Chase bank and started a dispute. On XX/XX/XXXX, Chase resolved my dispute, they told me they wont issue my dispute with unreasonable excuse. I sent all my documents to prove I had contacted XXXX, asked an exchange or return, and also showed my XXXX XXXX. But Chase replied me that I didnt provide the evidence that I arranged any return it or contacted merchant to pickup. I called to Chase later and was told XXXX happens, they can not dispute it.
Company Response:
State: CA
Zip: 91739
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: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: JP Morgan Chase XXXX XXXX XXXX XXXX. XXXX XXXX, NY XXXX Dear sir, Today, XXXX XXXX XXXX, at XXXX XXXX, I received an email from your company, Chase, which stated we posted a new notice or letter I your Chase Mobile app and at chse.com/statements. However, I found out there was no notice or letter in my Chase Credit Card account. Since I only have this three-time closed credit card, saving account, and a joint account, I request the reason why you send this email to me. If there is no answer same as most of complaints filed at the Consumer Financial Protection Bureau of the United States, I prefer to consider this email is also fraud because I have an issue, which is amounted less than {$10.00} at my hand with Chase Credit Card account. I enclosed the printout of this email. Sincerely,
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: ON XX/XX/XXXX i enter into a contract with chase auto. to make a long story short I overstand what the federal reserve act section 16 explains when it comes to application & promissory note. so with that being said on XX/XX/XXXX AROUND XXXXXXXX XXXX I SENT MY FRIST NOTICE CERTIFIED MAIL ON XXXX XXXX AT XXXXXXXX XXXX SOMEONE SIGN FOR IT. SENT OUT ANOTHER LETTER ON XXXX XXXX AT XXXX. ON XX/XX/XXXX AT XXXX XXXX SOMEONE SIGN OFF FOR THE MAIL AGAIN.LAST LETTER SENT ON XXXX XXXX AT XXXX XXXX. ON XXXX XXXX AT XXXX SOMEONE SIGN OFF AND ONCE AGAIN NOTHING FROM XXXX XXXX XXXX. NOW I HAD RECEIVED A LETTER FROM CHASE ABOUT MY LETTER FROM SOMEONE WITH THE FRIST NAME XXXX REFERENCE # XXXX I WILL JUST ADD THE DOCS SO YOU CAN READ IT HE IS NOT THE CFO I OVERSTAND THE FEDERAL RESERVE ACT, THE BILL OF EXCHANGE ACT, CONSUMER CREDIT PROTECTION ACT
Company Response:
State: NY
Zip: 112XX
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX I had two unauthorized transactions through Chase website. It was sent to XXXX two individuals, I have no idea who, a largely suspicious amount of {$500.00} in total. Sent by two transactions of {$150.00} to an unfamiliar XXXX named " XXXX '' and XXXX {$200.00} transaction sent to another person who's name I also never heard of under " XXXX ''. I found out the as I got on my computer and I wasn't able to log in anymore and took action with Chase as soon as I could of. They were all helpful and kind as we are beginning with a claim. I thought I've been a trusted XXXX client for a good years now that this problem would of been resolved, aswell only asking for the money back didn't seemed to me to be an issue from a trillion business, especially, considering that myself a low-income XXXX XXXX just started XXXX XXXX in desperate need to meet all the new supply demand for my XXXX requirements. After banking with also a few diffrent bank companies and never experience the way Chase responded to me after giving me a temporary refund, I thought the claim would be resolved and the acceptable solution was that I was just going to get my money that was stolen from my unsupervised laptop. However after ensuring everything was going to be fine they send me a mail two days ago reclaiming the refund back and that I even have to pay it back because they didn't accept my claim. Of course they leave me in debt the day I have to purchase a {$200.00} supply kit for college but I called and the rude Chase Faud agent tells me that everything I went through was pointless because I wouldn't have never been able to get my money back since they claim " it's too difficult to determine the type of activity through XXXX! '' I'm baffled with the fact my claim, my long hours of waiting for my phone calls to get answered, and saving up isn't enough to prove that an unauthorized someone sent people money and I noticed, I'm sure they would of kept sending more if I wasn't with limited funds besides that I just know they had gotten through from my computer because it's only the place that has my whole bank account always open and that day I had left it unattended because I was running late to the doctor. The agent kept telling me there was nothing I can do because they wouldn't do anything more unless proper proof when I am claiming this misdemeanor happened thatI have no idea of. It was unjust to them to be stubborn with my money that I've earned from XXXX and to tell me to even pay back the refund, my Chase account is overdraft now, I even went in person and it seems that the only company I relied on wasn't able to aid me in such rational solution, just getting back my money so I can afford my education.
Company Response:
State: CA
Zip: 90002
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am filing this complaint against JP Morgan Chase for the unauthorized disclosure of my personal financial information from two separate accounts to XXXX XXXX XXXX XXXX XXXX. This disclosure included 13 specific transactions and the status of my accounts, shared without my explicit consent or prior notification. This action constitutes a breach of my privacy rights as protected under the Privacy Act of 1974 and the Gramm-Leach-Bliley Act ( 15 U.S. Code 6801 ) . I wish to formally opt out of all credit reporting activities conducted by JP Morgan Chase and seek immediate resolution to this matter. I also demand compensation for the damages incurred due to this breach. Enclosed are relevant documents supporting my claim. I expect JP Morgan Chase to conduct a comprehensive investigation into this incident and take necessary corrective actions to ensure such violations are not repeated.
Company Response:
State: TX
Zip: 77007
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Credit limit changed
Subissue:
Consumer Complaint: In XXXX and XXXX I was a victim of identity theft. A convicted felon had been released from prison during COVID, broke into our business offices and stole all my tax and personal information. XXXX of charges were made without my permission, accounts opened, attempts to open brokerage accounts and also infiltration of my bank accounts. Since then, I have worked with law enforcement and they have a warrant for his arrest. As to this date, I believe he has yet to be picked up. My insurance company, XXXX XXXX contracted a company called XXXX to assist with taking care of this. XXXX XXXX was assigned to me and assisted with many letters requesting institutions cooperate with the lawful removal of derogatory info and reinstate any lines of credit that were reduced or taken away due to credit review or usage based on inaccurate info at the time. All banks/companies complied, including XXXX XXXX XXXX XXXX XXXX and others- with the exception of Chase Bank . They took away the line of credit and left me with the balance to pay. I have tried to resolve at the branch many times, however they go through private client staff so frequently.
Company Response:
State: CA
Zip: 95476
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
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: Last year I signed up for a monthly subscription box with a company called XXXX. XXXX failed to provide the subscription box although it did charge my credit card. I successfully disputed the charge with Chase, but my credit card was charged again the following month, prompting me to seek assistance from Chases customer service, I was told that the only remedy would be canceling the credit card which I declined, choosing instead to continue disputing the charges monthly. Recently, I had to cancel the credit card for unrelated reasons, and assumed this would also put an end to the unwanted recurring charges. However, I was charged again this month, even with the inactive card. Contacting Chase once more, I was informed that XXXX could still access my account. I was told that even if I close the account, entirely, the charges could persist post-closure. At this rate I will continue to be charged in perpetuity. A more comprehensive and effective solution is sought to address this recurring issue.
Company Response:
State: OR
Zip: 97212
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A