Date Received: 2023-08-19
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 am writing to formally request that my dispute, referenced as Claim XXXX, be properly addressed and be re-opened by Chase Credit Cards . It has come to my attention that there have been certain issues regarding the handling of my dispute, which I believe require clarification and resolution. The dispute has been rejected twice although I have provided chase proof of cancelled transaction, lack of provided services, and lack of quality from the merchant. On XX/XX/2023 I saw the advertisement for XXXX XXXX XXXX ( XXXX ) on my mobile device and was initially convinced by the merchant 's selling agent about the potential benefits of the service. As a realtor, the proposition seemed appealing, and I proceeded with the purchase, paying a one-time fee of {$2400.00}. However, upon commencing the training the following day ( XX/XX/XXXX ), I realized that the billboard feature was simply a digital image generator with limited customization options, and the overall website lacked the desired level of professionalism, concluding with " XXXX '' in the domain name. Furthermore, the promised assistance from agents in generating leads turned out to be automated bots, and I was instructed to rely on my own efforts to create links on social media platforms. I made multiple attempts to reach out for cancellation through phone calls and emails on the day following the payment, totaling at least four attempts. Despite my earnest request for cancellation, my appeals were denied, and I was informed that the refund could only be processed after a holding period of 12 months, as stipulated in the agreement. One specific concern that arises from this experience is the discrepancy between the services described by the selling agent and the actual offerings provided. Notably, I recall mentioning access to XXXX, a platform that appears to perform similar functions, but the agent assured me that XXXX XXXX XXXX XXXX were distinct and supplemented by agent assistance. Regrettably, my experience revealed a significant disparity between these representations and the reality of the service. To compound my dissatisfaction, upon conducting further research, I discovered a pattern of concerns regarding the quality of leads and instances of purportedly fake leads on the XXXX XXXX XXXX ( XXXX ) website. Primarily, I wish to highlight that I have not received any communication from the Chase team regarding the requisite documentation for this dispute. Furthermore, I observed a credit in my account statement, which seemed to suggest that the matter had been concluded. However, I believe this was premature, as I had not been properly informed or engaged throughout the dispute process. In addition, I have recently received supporting documentation from XXXX XXXX, which sheds light on my utilization of their services. It is important to note that my engagement with their services commenced immediately following my subscription. Regrettably, my experience exposed me to a significant disparity between the advertised quality of services and the actual provision. My contentions in this claim pertain to two key aspects : 1. Termination and undeliverable Services : I wish to emphasize that I have promptly terminated the services, substantiated by a record of email correspondence. This action was taken subsequent to my dissatisfaction with the quality of services rendered. Also, since the credit card charge back, my services were terminated from months ago. So there is no case that I have ever used the merchant 's services. The attached documents is also showing that since my profile was incomplete, no leads were provided, and thus services not rendered. 2. Discrepancy in Advertised Services : The promotional material conveyed a commitment to high-caliber website design and collaborative human-led lead generation. Contrary to these representations, the delivered services featured a substandard website interface and an automated bot-driven lead generation process. The services rendered did not align with the assurances provided. Furthermore, it is pertinent to mention that, as part of a training module reaching a reported completion of 75 %, I created a personal website. I would like to assert that I did not revisit the platform after the initial interaction. In order to verify my limited engagement, I kindly request that activity logs or login records be presented. I affirm that I intentionally refrained from completing the module to express my lack of interest in availing their lead generation services. It is regrettable that I am unable to remove the website and platform from my profile, despite my inclination to do so. It is my understanding that under federal law, customers are afforded the right to cancel services within a three-day window. I wish to emphasize that I exercised this right on multiple occasions, substantiated by documented email correspondence as well as recorded telephonic communications. In light of the aforementioned circumstances, I am resolute in my decision to discontinue any further association with XXXX XXXX. The corroborative evidence presented through XXXX XXXX reviews underscores my concerns regarding their credibility and ethical practices. I humbly implore your earnest consideration of the facts presented herein. It is my genuine hope that this matter can be satisfactorily resolved in a fair and expeditious manner. Your understanding and prompt attention to this dispute are greatly appreciated. Thank you for your time and consideration.
Company Response:
State: NC
Zip: 27604
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Other transaction problem
Subissue:
Consumer Complaint: On evening of XXXX XXXX XXXX I sent a XXXX payment of {$350.00} to a recipient I had previously sent funds to through Chase 's XXXXXXXX option several times. Immediately after sending the funds I realized that I sent the funds to the recipient 's old bank account even though it had a XXXX XXXX next to the number which is why I thought it was an active account, I called Chase 25 minutes later to ask for a reversal. Chase reps advised the funds already got processed, despite the transaction still reflecting " pending '' in my account up until 24 hours later. Chase reps XXXX stated that the funding to the recipient " failed '' and funds would automatically be returned to my account within 48 business hours. That never happened. Chase reps I contacted over the last week all have a different version of status of my claim, some stating there was no " failed funding '' ever noted. I asked Chase where my money was and I was told it hit the account I sent it, however they refuse to provide that banks name ir account number or any other proof, and they are refusing to return my funds. The intended recipient claims she did not receive the funds, because it is a closed and former back account. Chase claims they can't do anything for me.
Company Response:
State: FL
Zip: 33026
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Other transaction problem
Subissue:
Consumer Complaint: Dear CFPB The problem with the bank Chase, I'm never received my money, the wire transfer never received the receptor .the amount was us {$5400.00} .The bank never give me answer where the money I would like can help me XXXX XXXX XXXX XXXX XXXX )
Company Response:
State: FL
Zip: 33172
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In accordance with the fair credit reporting act, credit reporting agencies, have violated my rights, for two of my Chase Bank accounts for XX/XX/. 15 US 1681 Section 602 states I have the right to privacy. ( My information has been furnished ) 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my 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 any purpose.
Company Response:
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/2023 my friend XXXX XXXX transferred two sums of money to my Chase bank through XXXX one of which was XXXXXXXX XXXX and the other was XXXX XXXX. But Chase Bank suddenly froze my account, saying my friend had filed a dispute. My friend and I are both from Chase Bank. During this period, I also called, and the customer service told me that this case was closed. The {$2000.00} will still be in my account. But when I unlocked the Chase bank account, I found that the money was still in dispute on XX/XX/XXXX. But my friend never received a refund. She went to Chase Bank and kept saying she couldn't dispute the money. I went to Chase Bank XXXX XXXX MA ) five times and got a different answer each time. One moment I said that Chase Bank held the money, another moment I said that I had returned the money to my friend 's account on XXXX bank said that it had called me to confirm the money, and my reply was that the money should be returned to my friend, but I never received a call from the chase bank. Now this {$2000.00}, Chase bank said not to disclose customer service information, my friend went to Chase bank can not find this refund.
Company Response:
State: MA
Zip: 02184
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: To whom it may concern, I trying to pay my credit card Chase Sapphire Preferred bill using the remittance coupon from the bottom of my credit card statement as a conditional acceptance 15 U.S. Code 1693o1 - Remittance transfers I also got a credit line decrease back in XXXX XXXX from XXXX to XXXX I was suppose to receive a letter stating the reason for decrease but I never received one.
Company Response:
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Ive been scammed for the last 5 days for total {$7300.00}. When I found out about the scammers because they kept making excuses and created new issues to request multiple money I called the bank right away. Ive contacted the bank fraud department to file the dispute because Ive realized that Ive been scammed by the scammers and I was asking the bank if its possible to cancel the pending transactions and XXXX transactions from XXXX XXXX XXXX but they didnt answer me. My understanding that the bank can help me to reverse the amounts back to my account knowing that scammers are taken away my money called authorized push payment but the bank disregard and they didnt want to agree to reverse the payment or either my bank wouldnt help me do the authorized push payment.
Company Response:
State: CA
Zip: 91701
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: On XX/XX/XXXX, I received a Chase Fraud Alert about a suspicious transaction that was denied on my account. I responded to that email by clicking the " No, something's wrong '' button and that opened a webpage telling me that they were cancelling my card and would be issuing a replacement card. I then received no confirmation email, alert in the Chase mobile app, or any other sort of banner or alert in the Chase app regarding the card cancellation/replacement, of the new card shipping, or of the new card being delivered. Eventually the card did arrive on XX/XX/XXXX and I was able to activate it at that time, but it is absurd that I can order a {$5.00} pair of socks online from a random retailer and will get an immediate 1 ) order confirmation email, 2 ) link to track the order status, 3 ) order shipment email, and 4 ) order delivery confirmation email but I get none of those four basic updates when the largest bank in the country cancels my credit card with tens of thousands of dollars in available credit because of a fraud attempt and issues a new one. I was in such disbelief over this state of affairs that I contacted Chase support to see if I had accidentally disabled those notifications, but their agent said that none of those types of notifications exist.
Company Response:
State: IL
Zip: 60618
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: Chase Bank has violated 15 USC 1681 s-2 ( e ) 8 Responsibilities of Furnishers to consumer reporting agencies ( duty of person after receiving a dispute ) Chase has frivously closed the dispute as a " duplicate '' through the cfpb portal which is false. The previous dispute or complaint was in regards to inaccurate reporting. This complaint is relating to my privacy rights. After checking my credit report I found an account listed from JPMCB Card Services where I was never provided ALL of the required disclosures or option to opt out under Title V of the Gramm-Leach-Bliley Act 15 USC 6801-6802 ( b ) ( c ) Title V, subtitle A, of this Act ( 15 U.S.C. 6801 et seq. ) requires the FTC, along with the Federal banking agencies and other regulators, to issue regulations ensuring that financial institutions protect the privacy of consumers ' personal financial information. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Company Response:
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Other transaction problem
Subissue:
Consumer Complaint: Chase Bank refunded and the sent back an ACH transfer for an overcharged amount. I disputed a transfer to XXXX XXXX XXXX for a breach of contract, warranty of habitability and retaliation issue. The bank has said they only cover overcharge issues, but did not contact me for the information related to my claim. No forms were mailed to me as was mentioned by phone on two separate disputes. The fees are an overcharge, but this claim was filed incorrectly by the agent on the phone. I had pay rent in full and left the property. There was a number of fraudulent charges added to the account the funds were sent to. The money sent was not being applied to any balance owed over fees were placed on the ledger. I view this as a fraudulent, but under the banks terms this should fulfill an overcharge claim. They've chosen to file the claim as a breach of contract and ignore this issue.
Company Response:
State: CO
Zip: 80113
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A