Date Received: 2023-08-16
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I submitted a Dispute with Chase bank regarding {$280.00} XXXX worth of fraudulent charges and reported my card lost/stolen and had my card shut down. Chase issued a temporary credit and then reported that they have found the charges to be mine. I called in to change bank on XX/XX/16 and was told there is no re-open process to re-open my fraud claim and that I would just have to accept the decision. I explained that I would be getting an attorney involved as well as reporting the incident to the better business bureau. My account was charged multiple small charges over a span of about XXXX days which should have immediately alerted chase to fraud. These charges were as an example, XXXX charges for {$2.00} at a deli ( should have been flagged immediately as fraud ), several charges from a smoke shop, XXXX years of having an account with Chase I have never shopped at a smoke shop because I dont smoke, talk about unusual spending which is definitely a red flag and additional charge in XXXX XXXX XXXX and XXXX no where near where I live. Chase refuses to resolve this dispute as my banking institution. On the recorded call the Agent stated that because XXXX charges in between the fraudulent charges were mine, they declined my fraud claim, which makes absolutely no sense as these charges are from online vendors in which my card is already saved and I did not need my physical card in my possession to make the purchase. Then I was transferred to a XXXX that was equally unhelpful who stated that they just can not find any fraud and why did I wait so many days to notice the fraud charges. I refuse to allow {$280.00} of money that I did not spend be taken from me when I have never had any fraud issues in my account.
Company Response:
State: NY
Zip: 11413
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Hello, since I've signed up with JP Morgan Chase bank. They've been charging my account a {$34.00} fee when my account reaches a negative balance. I have looked at my bank statements from XXXX till now. I called to see if I can get that waived and they said NO, They've only allowed you three reversals a year. which I find unfair. How can you charge me for my account being negative even after money gets deposited into my account to keep it in good standing. I've went over my bank statements and wrote down the months and years I was charged {$34.00} after my account went low as XXXX. I do have bank statements that shows this information as well. Year XXXX XXXX {$100.00} XXXX {$34.00} XXXX {$130.00} XXXX {$34.00} XXXX {$68.00} XXXX {$34.00} Year XXXX XXXX {$100.00} XXXX XXXX {$68.00} XXXX {$100.00} XXXX {$100.00} XXXX {$34.00} XXXX {$100.00} XXXX {$270.00} XXXX {$34.00} Year XXXX XXXX {$100.00} XXXX XXXX XXXX {$34.00} XXXX {$340.00} XXXX {$34.00} That's money I could've use on my own businesses.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I asked to cancel my XXXX as my home value is appraised and loan amount is less than XXXX XXXX of the loan amount. I reached out to chase they asked me as my account is less than XXXX XXXX in age asked me to do significant improvements, I did the add a new patio and again asked them to consider and they came back saying its not considered and now they are saying they dont provide a list of improvements they will consider and asking me not to fill the PMI cancellation form every time and they have been rejecting it every time this is the 4th time, and they refuse to provide me with list of improvements that will be considered. XXXX XXXX is my investor and as per their website for XXXX cancellation nothing is mentioned as significant improvents are needed to cancel my XXXX, XXXX XXXX website only states my loan value should be XXXX XXXX or less than the appraised home value.
Company Response:
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am on my XXXX XXXX account and I see a balance of {$8700.00} with JPMCB. I have never had an account with them nor inquired about opening up one. This is not me and I have not owed this money. I would like to get this off my credit report.
Company Response:
State: NY
Zip: 11795
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/23 I checked my Chase bank account and noted 3 XXXX transactions on XX/XX/23 for {$2000.00}, {$400.00}, and {$100.00} paid to XXXX were authorized. Another transaction for {$35.00} was paid to XXXX XXXX XXXX was also authorized. No text, no email, no calls received from Chase Bank for those transactions. I went to the Chase branch in XXXX XXXX and explained to an agent of what happened to my account. The agent called the XXXX number on the back of my card and spoke to another agent who reported that a complaints will be filled on my behalf I need to get rid of my old card, and Chase would send me another card. On XX/XX/ I tried to check my account online to find out that my account was locked and that I need to call the XXXX provided to get it unlock. When I called the agent told me that my account was locked because of the {$1000.00} XXXX transaction I made the day before. I have explained to the agent that I did not authorized the transaction and a week before that I have explained to a chase agent that I will NEVER MAKE A XXXX TRANSACTION USING MY CHASE ACCOUNT. Again no text, no email and no calls received from Chase for that transaction. The agent reported that it could be that someone hacked my computer because the problem is not from Chase. I have contacted AVG antivirus to find out why an my laptop was hacked while I have an account with them to protect my laptop and phone. I have paid {$220.00} to performed a deep scan on my devices and they found no suspicious activity on my devices. I have made that payment using my Chase credit card because my checking account was still locked and Chase sent me a text right away before allowing the payment. Chase also send me a text and a en email to remind me to pay my credit my credit card. Chase had retuned the {$35.00} for XXXX transaction and the {$1000.00} transaction for XX/XX/ transaction with a letter that said the money returned to my account is temporary while they are investigating. Another letter received that Chase Had decided not to return the {$2500.00} for transaction made on XXXX because they have proof that Ive authorized that payment. I am not some criminal making transactions and then trying to scam Chase out of money. That money is from my rent, food on the table, car payment, insurance payment and most of all my sons tuition. PLEASE, HELP ME GET MY MONEY BACK FROM CHASE BANK.
Company Response:
State: NY
Zip: 10977
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: A month ago, I opened a personal checking account with Chase because I had received a cash bonus coupon by mail. I was supposed to get a {$220.00} cash bonus after I get an electronic payment of {$1000.00} ; however, after I received several electronic payments, which their system recognized as direct deposit, Chase refused to fulfill their promise to grant me with the cash bonus, stating that they only honor payroll or retirement direct deposits, which was not originally in their terms and conditions. Electronic payments are still counted as direct deposits, and I should get my {$220.00} cash bonus, which inspired me to open that checking account, and Chase deceived me by making me sending me a welcoming coupon and refusing to honor my bonus. I feel very devastated, used, and abused now.
Company Response:
State: CA
Zip: 96150
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I am writing to formally file a complaint against Chase Bank for a series of issues that have not only caused me severe inconvenience but also appear to be retaliatory in nature. Here 's a chronological account of the events : Transfer Limitation : On XX/XX/2023, I attempted to transfer {$1300.00} to a friend in an emergency situation, but was prevented from doing so due to a {$500.00} per day transfer limit. This restriction seemed arbitrary and posed an immediate problem for me. Refusal to Remove Limit : I contacted XXXX customer service to explain the urgency of the situation and verify my identity, but they refused to increase or remove the limit. This lack of flexibility caused significant distress and prevented me from providing essential support to my friend. Escalation Failure : I escalated the issue to Online Account Supervisor XXXX XXXX, expecting a solution. Disappointingly, she also refused to increase the limit, displaying a lack of empathy and understanding of my situation. Account XXXX : Shortly after my interaction with XXXX XXXX, my XXXX account was suddenly locked. The timing of this lock leads me to believe that it XXXX have been retaliatory in nature, further adding to my frustration. Persistent Issues with XXXX Transfers : Now, every time I attempt to use XXXX to transfer money, the transaction is rejected, and my account is locked. The unlocking process involves calling XXXX and waiting on hold for roughly XXXX minutes each time. This ongoing problem has made managing my finances a constant struggle. The experiences described above reflect poorly on Chase Bank 's customer service and suggest a lack of care for customer well-being and fairness. I respectfully request that the CFPB investigates these matters and assists me in resolving them promptly. Thank you for your attention to this serious matter. I trust that the CFPB will take the necessary actions to ensure that Chase Bank addresses these issues.
Company Response:
State: TX
Zip: 76262
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Chase account number XXXX branch XXXX XXXX XXXX XXXX Branch -XXXX XXXX AZ XXXX with Chase bank plus savings, saving CD account XXXX, XXXX checking account XXXX and checking also premier platinum checking and XXXX all under XXXX XXXX XXXX and or XXXX XXXX XXXX XXXX My elderly mother XXXX XXXX XXXX that is really legally XXXX XXXX XXXX XXXX XXXX has gone to all of the accounts above and drained the accounts moved them to same bank under new accounts and closed my accounts without permission and the bank will not allow me access or transcripts. My mother has accused me of theft and my lawyer has requested transcripts. My mother is under and has been under my care as Power of attorney for her welfare. I need help as my rights have been violated.
Company Response:
State: AZ
Zip: 85718
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
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: On XX/XX/XXXX, I entered a contract with restaurant XXXX XXXX XXXX and paid a {$150.00} fee to reserve a private dining room for an event on XX/XX/XXXX. The contract stated that I would charge {$250.00} if I cancelled the event. One half of the restaurant was closed for reservations, but I was told that there would be options between a private room at in the wine bar ( which was open ) or in the new private room ( in the part that was being renovated ). A few days before the event, the event planner mentioned by email that the private room would not be available, but that a private area would be created for us on the back patio. On the day of the event, we were not provided with any private dining area- we were seated in a general dining area next to two other tables. The restaurant refused to refund the private dining room reservation fee even though a private dining room was not provided. I opened a dispute with Chase on XX/XX/XXXX. I spoke to Chase over the phone on XX/XX/XXXX, and uploaded documents as requested on XX/XX/XXXX. On XX/XX/XXXX, Chase denied my dispute.
Company Response:
State: DC
Zip: 20016
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
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 submitted a complaint against CHASE-AMAZON VISA card on XXXX ( Friday ) very close to XXXX which is CFPB Closing time. Since I was in a great hurry, and due to technical difficulties, I did not sent you enough attachments successfully. I can only write at athe end of " WHAT HAPPENED '' that I may send you more attachments on XX/XX/XXXX ( Saturday ) or XX/XX/XXXX ( Monday ). On XX/XX/XXXX and XX/XX/XXXX, I did tried a couple of times. But I realized most of the attachments as evidence were from Chase. I used to be able to take pictures, and then I could attach those pictures as attachments on your website. But nowadays, due to security reasons, if you are not another owner of my account, even you got the URL that I organized. you may still not have access to my account to receive Chase 's documents or letters, or open the URL that I organized for you. If that's the case, all I can do is to explain each attachment with a little more details ( Please see " XXXX XXXX XXXX XXXX '' ).
Company Response:
State: PA
Zip: 19403
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A