Date Received: 2023-08-06
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I am writing to formally request the removal of my name from the check systems maintained by your organization. I recently discovered that my name is still listed in your database, and I believe this may be an oversight or an error. As a responsible account holder, I have diligently managed my financial affairs and maintained a good standing with your company. I kindly request your immediate attention to this matter, as having my name inaccurately associated with any negative information can have adverse effects on my financial reputation. I am confident that the issue can be resolved swiftly and without any complications. Enclosed with this letter, you will find relevant documentation that supports my claim and verifies my credibility as a trustworthy customer. I kindly ask you to review this evidence and initiate the necessary steps to remove my name from the check systems promptly. Please confirm receipt of this request and notify me in writing once the removal process has been completed successfully. Additionally, I would appreciate any further information regarding this matter and any steps I need to take to ensure its resolution. Thank you for your prompt attention to this matter. I look forward to a timely response and a resolution to this issue.
Company Response:
State: MI
Zip: 48092
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
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: Chase acknowledged that they received my dispute for {$2000.00} of the {$2600.00} charge from XXXX XXXX dated XX/XX/2022, because of an incorrect transaction amount. They confirmed they submitted the dispute to the merchant who responded with a rental agreement showing you were charged " the correct amount per the rental agreement and services were rendered '' for the entire rental duration from XX/XX/XXXX, through XX/XX/XXXX. Chase failed to accurately review the documentation provided by the merchant, however. Had they reviewed " the correct rental agreement '' or read my letters or previous complaints they would have seen the obvious computational errors on the final bill. On the final billing statement, the rates listed per time frame contain a clearly incorrect mathematical computation, stating the fee for a 1 month to be {$490.00}. However, the bill also states XXXX @ {$490.00} = XXXX. This is a very clear mathematical error as {$490.00} does not equal {$2300.00}. Additionally, the contract states unlimited miles are provided at no charge. So the subtotal I was charged for time and miles was {$2300.00}, not {$490.00} per my reservation and the billing statement. The billing statement contains additional errors under the breakdown of charges showing my time and mileage charges to be {$2100.00}, after previously stating the subtotal for time and mileage to be {$2300.00} incorrectly. These subtotals do not match up. Furthermore, if you take add up all the charges and discounts listed the total is {$2400.00}, however, the " final bill '' is for XXXX. This final bill states the net charges, that is the total prior to adding taxes is XXXX, and the final bill is XXXX. For this to be true, the company would have to not be charging me taxes which shows I was charged {$320.00} and {$48.00} in taxes. So the net charges can not be equal to the final charges. This " final bill '' is rife with inconsistencies and mathematical errors. I have called and spoken to Chase about this error repeatedly, so their claim to have been unable to reach me to discuss this billing error is unfounded and an incorrect statement. During my many phone calls the agents all agents I have spoken to in the billing department have been able to identify the mathematical errors and state they don't know why the dispute was found valid. They further resubmit it for review, even going so far as filing a grievance on my behalf for how this dispute was mishandled. These errors are very visible and present on the documentation provided by the merchant, who in their dispute rebuttal claim the amount due to be yet another amount differing from the inconsistent charges shown on the " final bill. '' Federal statutes allow consumers to dispute inaccuracies in billing statements, which this billing statement is full of. Yet Chase continues to consider this to be a valid charge despite all the very obvious mathematical errors contained and differing values the merchant claims were due, all of which are far greater than the amount shown on the original reservation and contract. Additionally, the reservation and contract provided at the time of rental, which displays the correct billing amounts state the vehicle rented to be a XXXX XXXX XXXX, which I drove XXXX miles. The final billing statement states I rented a XXXX XXXXXXXX XXXX which I drove XXXX miles. The vehicles even have different vehicle numbers. So the final billing invoice is for the wrong vehicle as well. Lastly, on the XXXX XXXX XXXX XXXX, they state the rental was from XX/XX/XXXX to XX/XX/XXXX, but claim the time of rental to be 32 days and XXXX hour. That would actually be 31 days. The final " billing '' statement also reflects the charge for XXXX month, which at most is 31 days. The number of errors and inconsistencies found on the billing statement and even the merchant 's refutal letter are ridiculous. Yet, Chase 's refusal to actually review the documents provided by myself and the merchant and review the billing statement is even worse.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX : At work, I used my Chase Freedom Credit card ( XXXX ) to buy lunch at XXXX XXXX on XXXX campus. *When leaving work that evening, I noticed wallet was missing and reported the following cards lost and they were deactivated : Chase Debit card ( XXXX ), Chase Freedom card ( XXXX ), Chase Slate card ( XXXX ), and Chase ATM card ( XXXX ) even though that one wasnt in the wallet, I hadnt seen the card in a while. I also requested and paid for a new Drivers License ( See XXXX ) XXXX : Security desk at XXXX XXXX called my cell at XXXX XXXX time XXXX Someone turned in my wallet. I picked it up and the contents were as follows : XXXX $ cash, the Chase Debit card ( XXXX ), Chase Freedom card, ( XXXX ), Chase Slate card ( XXXX ) -all deactivated, and my drivers license/Illinois ID ( XXXX XXXX ) XX/XX/XXXX : I made an in person withdrawal from Chase Branch on XXXX XXXX XXXX XXXX checking account XXXX XXXX ) via a hand written withdrawal slip and my drivers license ID ( See XXXX ) XX/XX/XXXX : I had received only XXXX replacement card of the 4 above replacement cards via XXXX, my Chase Slate ( XXXX XXXX. I activated it and started using it as it was my only way to pay for anything. XXXX delivery receipt shows 3 of the 4 cards were delivered separately from 1 of the 4, presumably the single Slate Card that I received. ( See XXXX ) XX/XX/XXXX : I am not sure how this happened, but while not being able to use my lost/deactivated Chase Freedom card ( XXXX ), and while waiting for the replacement card, somehow a charge to a towing company known as XXXX XXXX XXXX totally {$310.00} was showing in my credit card account. Since I didnt have the card and wasnt using it, I did not notice this charge until XX/XX/XXXX. I was working that XX/XX/XXXX and XX/XX/XXXX XXXX, with my car in the work parking deck. It has since been refunded ( See XXXX ) XX/XX/XXXX : Before I left for XXXX that XXXX, I checked the mail on the way out. My replacement drivers license was there but I still had yet to receive the other 3 replacement cards. I only had my chase Slate card ( XXXX ) at this point ( See XXXX, XXXX ) XXXX arrived in XXXX. I took a XXXX from the airport to XXXX XXXX XXXX XXXX and stayed in XXXX, NV ( See XXXX ) XX/XX/XXXX : We arrived at XXXX XXXX via my boyfriend, XXXX XXXX XXXX XXXX and checked into the XXXX XXXX XXXX XXXX Reservation was in his name, but I am added as an official additional guest and given card access ( See XXXX ) *Multiple retail purchases made in person as well bar tabs and tickets for a XXXX XXXX for the evening of XX/XX/XXXX ( See XXXX ) XX/XX/XXXX : The Fraud Date While at the XXXX XXXX Pool we rented a covered daybed using my Slate Card ( XXXX ) and spent all afternoon drinking and snacking at the pool. Photos were taken and location tagged around this time. ( See XXXX ) XXXX XXXX Time : Unknown to me at the time, my mom in XXXX gets XXXX voicemail from XXXX calling about a lawsuit involving my deceased Father ( See XXXX ) XXXX XXXX Time : Unknown to me at the time, An email was sent youve successfully verified receipt of the Chase Freedom card ending in XXXX. I was at the pool in XXXX at the time, obviously not able to receive mail at my XXXX address ( See XXXX ) At XXXX XXXX Time : Unknown to me at the time, a person successfully withdrew {$9500.00} in person at XXXX XXXX with XXXX XXXX at a chase at XXXX and XXXX in XXXX. They then transferred {$22000.00} from my saving account to my checking account via what I was told was an in app transaction. However, this was possibly with the Debit Card ending in XXXX in hand. ( See XXXX ) XXXX XXXX time : I received a blocked call. I normally do not answer these, but I was worried it was related to the hotel. A woman on the phone said to me, Im calling about a lawsuit in North Carolina involving XXXX XXXX, do you know this person? I told her my dad was XXXX, and stop calling me. ( I am still unsure if this call is related to the fraud ) ( See XXXX ) XXXX XXXX Time : I started to receive calls from unrecognized phone numbers. These began coming in with a XXXX area code, which is North Carolina. They transitioned from else ware, including out of the country. At this time, out of frustration, I blocked calls from unsaved numbers and had them go straight to voicemail ( See XXXX ) Also around this time, I login to my chase I see fraudulent Savings Account Withdrawal via the Debit Card ( XXXX ), and the transfer of {$22000.00} from my Savings Account into my Checking Account. This person had to have intercepted the mail delivery of replacement cards, had the Debit Card ( XXXX ) was able to crack my pin code for the debit card. ( See XXXX, XXXX, XXXX ) *I also see that while I was on the app with my XXXX which has outdated software ( XXXX XXXX ) there was an additional unknown XXXX with updated software my account at the exact same moment and intermittently throughout that evening. * ( XXXX XXXX ) XXXX XXXX XXXX : I began receiving innumerable texts from various numbers with verification codes and activation codes for XXXX of services. I constantly deleted these texts and reported them as junk. ( See XXXX ) XXXX XXXX Time : Unknown to me at the time, I received an email Action needed : Please confirm activity of a purchase at the XXXX for {$3000.00} using Debit Card ( XXXX ). The email mentioned it was a declined transaction ( There are actually now two XXXX purchases, still, each for the same amount using the Debit Card ending in XXXX ). I had not checked my email until I was heading back to our room at XXXX XXXX XXXX ( See XXXX ) XXXX XXXX XXXX where the two charges using the Debit Card XXXX occurred is presumed to be the one just north of the Chase at XXXX and XXXX XXXX See XXXX ) XXXX XXXX Time : I asked the pool waitress to close out our account of drinks/snacks ordered from her which I put on my Slate Card ( XXXX ). A photo was taken and location tagged around this time ( See XXXX ) On the way back to the room, I check my email to see the XXXX fraud alert. I also see that despite the email alert for fraud flagging the charge, two charges from XXXX are deducted from my Checking Account. ( See XXXX ) XXXX XXXX Time : I began the call to the Chase Fraud Department XXXX While on the phone with the fraud agent, he reported that this person attempted to make a purchase at XXXX XXXX which was blocked, I believe with the XXXX XXXX XXXX ( XXXX ). I was told I had to call the following business day to file a claim on the in person saving withdrawal and money transfer. *For the XXXX XXXX on the Debit Card ( XXXX ) : Claim number : XXXX ( XX/XX/XXXX ) ( See XXXX ) *For the Chase Freedom Card , a claim was filed but I was not given a claim number ( See XXXX ) XX/XX/XXXX XXXX XXXX Time XXXX I filed a claim on the in person withdrawal of {$9500.00}. Come to find out, additional claims surrounding my Savings Account were in fact created during the XX/XX/XXXX XXXX Phone call. I re-opened the saving account withdrawal claim again after XXXX denied the fraudulent claim. *For the in Person Savings Account withdraw/Money Transfer : Claim Number : XXXX ( XX/XX/XXXX ) ( See XXXX ) Claim Number : XXXX ( XX/XX/XXXX ) ( See XXXX ) Claim number : XXXX ( XX/XX/XXXX ) ( See XXXX ) Claim number : XXXX ( XXXX ) ( No letter available ) XXXX XXXX Time : XXXX filed a complaint with the XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX ). I also put a freeze on my credit report for 1 year. XX/XX/XXXX I received the required paperwork discussed during the XX/XX/XXXX XXXX XXXX XXXX fraud paperwork, filled it out, and faxed to the fraud department as requested. ( See XXXX ) XXXX XXXX XXXX Time : I filed a police report in person at XXXX XXXX XXXX XXXX on the identity theft ( See XXXX ) XXXX I met with Fraud Specialist XXXX at the XXXX branch, who listened to my situation and helped to create my new Checking Account and new Savings Account. See also re-faxed the Affidavit along with the Police Report. I downloaded XXXX to my XXXX to assist with monitoring my identity for fraud. ( XXXX ) XXXX I call fraud department while at work to inquire on the delay of the XXXX transaction resolution, at this time I was told the Fraud Department believes I made the XXXX and Savings withdrawal transactions as the Hacker was able to enter the pin number on the first attempt. I was told by the Fraud Department Supervisor XXXX that he would re-open the XXXX case so that I could provide him with evidence showing I was in XXXX at the time of the fraud activity. When I asked what evidence they needed, he simply stated whatever evidence you feel is enough. XXXX I met with Fraud XXXX XXXX at the XXXX and cicero address. I Spoke with XXXX XXXX Department who assisted in delivering receipts while staying with them. I spoke with XXXX and XXXX to determine how I could show that my phone was in XXXX XXXX XXXX XXXX time. I then collected items, brought them to the XXXX branch location, and had the bank teller XXXX assist with faxing evidence over to the fraud department. XXXX I received an email notice that my credit score has dropped XXXX points from XXXX to XXXX due to the fact that I have been using my XXXX XXXX card more during this ordeal, reaching its top credit limit. This was my only non-compromised form a payment, and using it affected my credit score negatively. ( See XXXX ) At this time, I have only been refunded by Chase from the towing company, from a XXXX charge, and from a XXXX XXXX charge to my Chase Freedom Card ( XXXX now XXXX ) only. ( See XXXX ) XXXX XXXXepresent the associated attachments. Unfortunately because of the size restrictions, I am unable to send all of the attachments. My Chase Freedom Card ( XXXX ), and my new Chase Savings ( XXXX ) /Checking ( XXXX ) Accounts are unlocked. I have yet unlock my Chase Debit Card ( Now XXXX ) At this time, I am unsure if the person that found my wallet at work on XXXX was involved. I am unsure if the security person that called me XXXX that my wallet was turned in was involved. I am unsure if the phone calls from NC made to my mother and then to me XX/XX/XXXX were related. I am unsure, but find it highly likely, that the many spam calls and spam texts on XX/XX/XXXX were related.
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Money from my debit card was being withdrawn from the local ATM consistently from XXXX without my permission totaling to {$3600.00}. I was at work and I received multiple text messages from Chase notifying me that money was being withdrawn at the time. When I was notified, I immediately called Chase with the number that was on found on the back of my card and filed a claim. I discovered that the withdraws took place from my local Chase bank ATM when looking through my account statement. Chase denied the claim stating that the ATM location is in my neighborhood and I have used that exact ATM in the past 6 months, thus they deemed that charges were valid.
Company Response:
State: CA
Zip: 94116
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/2023 I tries using my Miles from my united XXXX XXXX card to book a hotel in XXXX. My credit card has a remaining statement balance ( in {$0.00} ) that was paid off in time and a total current balance of {$750.00} out of a total credit line of {$15000.00}. I have XXXX XXXX Miles available that could be used for booking hotels that are equal or under that amount with taxes and other fees or used partially with compensating the rest with money. I tries to use both option to book hotels through the united authorized website ( XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) but Keep getting an pop up stating that I should choose another payment method. I proceeded to try using another hotel option and was still getting the same message. I then called the UnitedXXXX number on the back of the card to ask if they could help me to book the hotel using my miles, they said they could not and gave me their partner number for hotel bookings ( XXXX XXXX ). When I called them, they said they could not help me and proceded to tell me I should call the number on the back of the card I called them again and they told me to call chase customer service and Chase told me to call the Milage number. In the end no one was able to tell me why i could not use my Miles for booking the hotel and I had to book the hotel using the United Credit card with out any miles. I want to understand why Im not able to use my miles in one of the formats they say you can use them. I think they are not letting me use my miles and dont want to answer why...
Company Response:
State: PR
Zip: 009XX
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I have been contacting Chase Bank since XXXX asking for assistance with my payments. My credit card debt is due to unemployment and no medical insurance in XXXX for a life or death heath problem. XXXX weeks prior I got separated and lost everything and was in a domestic XXXX shelter. When I started working again in XXXX, I was making less than 50 % of what I was previously making and although I had insurance I was still paying a lot out of pocket so finances were still tight. I have been working with a credit counseling company since XXXX of XXXX and they were not able to offer debt consolidation but suggested I get a loan and liquidate my assets. I now have a loan that I can not pay either and liquidated XXXX retirement plans. Because of this I had to pay an additional {$8000.00} to the XXXX in XXXX that I wasn't anticipating and that is why I am falling so behind. I contacted all of my creditors back in XXXX and they all put me on the XXXX 0 % interest payoff plan and closed the account. Chase is the only bank that will do nothing to help me. I have spent hours on the phone with their customer service reps, and in the past month or so includes XXXX : XXXX minutes, they denied my request and told me to call back in XXXX days, XX/XX/XXXX : XXXX hour and XXXX minutes until their rep got frustrated and hung up on me, then XXXX days later on XX/XX/XXXX : XXXX minutes and they told me I had to wait XXXX days, so recently XXXX I called back and the call was XXXX hours and XXXX minutes. On XXXX I went into a Chase branch, I explained that I am not getting anywhere with the call center and they recommended coming into a branch. The woman called the customer service number and once she told them who she was they asked to speak with me. She left the room for XXXX minutes while they told me on the phone they can not help me and I have to wait another XXXX days to call back. They are asking me about every single dollar I spend, like how much I spend per month on dining out, and I can not even afford groceries. None of my other creditor interrogated me like his and then told me I don't qualify for a hardship plan. I spoke with their consumer credit company and they also were not able to offer a solution either. I am also working with my City/County offices and they can not assist, I do not qualify for any type of assistance for rent or food, nor do I qualify for bankruptcy. In the past XXXX months I have paid {$8800.00} towards a balance of {$9900.00} but I still owe them over {$5000.00} because of the interest. Because they will not offer me a payment plan my account is now past due.
Company Response:
State: NY
Zip: 14609
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX, a new hard inquiry showed up on my credit card that I do not recognize. It is from JPMCB card services, which I have no idea what that is. Today on XX/XX/XXXX, another new inquiry shows from Jpmbc card that I did request. I have no knowledge of what this company this or how it ended up on my credit report.
Company Response:
State: WV
Zip: 248XX
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I posted my resume to several online remote jobs. I received an interview appointment by going to https : XXXX Reference Code : XXXX. A person posing as XXXX XXXX XXXX hired me and then had me fill out employment forms, which included a picture of my FL driver 's license, copy of my social security card, and a self-picture for an employee ID. I sent them to XXXX. In order to set up a home office, I made XXXX XXXX payments ( XXXX x {$500.00} ) via my debit card to XXXX XXXX ( XXXX ) XXXX for home office equipment. Then, I purchased ( XXXX x {$500.00} ) XXXX XXXX XXXX and then another {$400.00} worth of XXXX XXXX XXXX. All of these purchases were made using my Chase XXXX card. During this time, I communicated with a person posing as XXXX XXXX ( XXXX ) and a person posing as XXXX XXXX XXXX ( XXXX ). The additional emails for XXXX XXXX via XXXX teams were : XXXX and for XXXX XXXX XXXX via XXXX teams was : XXXX. There was also a person named XXXX XXXX who sent me an email via XXXX and then asked me to respond to XXXX. In total, I am out {$3400.00} and Chase has denied helping me with a return of these funds to my checking account. I have their letter indicating their decision, that is attached to this complaint.
Company Response:
State: FL
Zip: 33351
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 states that a consumer reporting agency can not furnish an 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 plan as late for any purpose.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: On XX/XX/2023 I got approved for auto financing loan by Chase Auto for the amount {$45000.00}. I have XXXX health issues and have been diagnosed as XXXX. I have been dealing with this for last XXXX years and have my good & bad days. XX/XX/2023 was XXXX of my very low XXXX day. Without being in sound XXXX condition, I simply walked into XXXX XXXX XXXX XXXX XXXX of XXXX, NJ dealership. I do not have a regular job nor any bank savings to support my car purchase. I was not in a sound state of mind to do this purchase. I was hospitalized next day, XX/XX/2023 due to a XXXX XXXX Chase Auto should not have approved the car loan without verifying my employment status and history. I reached out to Chase Auto several times to explain my situation and get the auto loan cancelled. I need Chase auto to cancel this loan immediately with no penalty and have the car returned to the dealership. The car has not been driven since the day it was bought due to my hospitalization. I can provide supporting medical documents to exhibit my XXXX health condition.
Company Response:
State: NJ
Zip: 08844
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A