Date Received: 2023-08-05
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: Had a problem with a Company called XXXX XXXX with regard to getting a watch repaired. I cancelled the credit card charge for services rendered for XX/XX/XXXX. The problem was resolved and I received my watch back first week of XXXX, XXXX. Before getting my watch back the merchant asked if I would send a check for the amount of {$1800.00}. I agreed.Received a letter with a form to fill out from Chase bank wanting to know if the problem had been resolved and I said yes. In the correspondence I stated the bill had now been paid with a check, and I submitted a photo copy of the cashed check with the merchants bank. I asked chase to remove the charges.. Since that time I have sent out two other letters the last one being by certified mail. Each time I sent out proof the transaction was paid. I received a letter from Chase bank customer service dept. dated XX/XX/XXXX stating the transaction was valid.
Company Response:
State: MN
Zip: 55433
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Ive had Chase for over a decade. There have been problems here and there but weve managed to fix them no problem. Now it seems they seem intent on charging me fees to the point of having to close my credit card account and tank my credit score in the process. I opened a credit card with them in XXXX. It has a $ XXXX limit. I admittedly havent been able to pay off the entire amount due to the financial stress of the pandemic economy but I have been making my minimal payments on-time and been paying down when I can afford to. In the last few months, however, Chase has decided to add an additional fee to my credit statement named a Purchase Interest Charge, that has not be present since I opened the card. This new charge has not only put me over my limit each month but has increased my monthly payment by {$28.00} ( an increase I can not afford at this time ). I received no notice of this change and have been told by a rep that this is a standard practice. In the last 4 months, I have been charged an additional total of {$190.00} on my credit card under this mysterious fee and an additional {$29.00} in late fees having not been able to make the {$68.00} payment. I have also noticed that my checking account, I have been charged a Monthly Service Fee of {$12.00} for the past two years, something I never agreed upon when I signed up for the account in XXXX. There are XXXX charges of {$12.00} starting in XXXX ( a total of {$300.00} ). Again, received no notice about this charge. I am a regular consumer who trusts my bank to handle my money fairly and in the manner in which we previously agreed upon. Im sickened to think that the place I funnel the entirety of my income into is taking money from me unjustly and without me knowing.
Company Response:
State: IL
Zip: 60605
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently took a look at my credit report and notice several trade lines that don't belong to me. CHASE and XXXX XXXX. I call in and spoke to a rep. She told me that these accounts are business accounts. I never own business. She also mention that it is company by name XXXX XXXX XXXX XXXX XXXX. I have no business with or know.
Company Response:
State: NY
Zip: 10466
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
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: 33189
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: In reference to my credit report, which is maintained by your respective agency. As per the regulations outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. Upon reviewing my credit report, I have discovered various accounts that I did not grant any written permission for creditors to furnish information to your agency. I understand that as per FCRA, you are obliged to investigate and verify the accuracy of the disputed accounts within 30 days of receiving this request. I written letter to XXXX, XXXX, and XXXX, in accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I kindly requested that you provide me with copies of all documents, including but not limited to signed contracts or agreements, that demonstrate my written authorization for the aforementioned accounts to be included in my credit report. Please ensure that the provided documentation is clear and legible to facilitate my understanding. Please be advised that the continued inclusion of unauthorized accounts on my credit report by your respective agency is a violation of FCRA.
Company Response:
State: VA
Zip: 23464
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX I disputed the amount of {$9000.00} from merchant XXXX with Chase. On XX/XX/XXXX, Chase notified me that they investigated and found the charge to be valid and case is closed. I sent my first complaint to CFPB on XX/XX/XXXX outlining the problem. On XX/XX/XXXX, Chase responded that they confirmed their previous findings. However there are many unanswered questions about the case so I submitted my feedback on XX/XX/XXXX. Since I haven't heard back, I called the case manager XXXX from the Card Executive Office and she told me I would need to open a new case so here I copied my feedback from XXXX, before I left on vacation. This is in response to the final letter from Chase dated XX/XX/XXXX. Lets first understand what the full services are that the merchant agreed to for Level 4- {$9000.00}. The merchant was to provide my XXXX 6 XXXX pre-production sessions with their writer and acting coach and provide participation in production/filming as stated on the merchant contract and advertisement. The agreed dates/times for the 6 XXXX sessions are completed as outlined on my timeline sent to Chase. The promised dates of the production/filming is XX/XX/XXXX week for 4 days at XXXX XXXX in California. My husband, daughter, mother-in-law and myself are in XXXX, GA and will need to pay for travel and accommodations to XXXX XXXX. Did Chase dispute team review my timeline, the contract and advertisement? Because if they did, I dont understand how Chase did not catch that the merchant lied on their XXXX XXXX response claiming they rendered full services based on 6 XXXX calls. Please explain this to me. Id like to address Chases response in XXXX points below. 1. Chase stated charge is valid because I agreed to the date and time of the service as well as a report from XXXX showing that service was rendered in full. The XX/XX/XXXX response from merchant with exhibit A shows I acknowledged a XXXX schedule of 6 pre-production calls. Where did I agree that this is the full service rendered? I did no such thing. Their response should raise red flags because the emails between myself and merchant shows a back and forth about filming dates in XXXX so how can the 6 XXXX be full services rendered? Why didnt anyone question this? Were the emails I provided ignored? Even more importantly, the merchant exhibit A purposely omitted the last sentence of the paragraph in contract stating " As a result of completing the pre-production meetings, XXXX and Client will consider XXXX prepared and allow XXXX to participate in a XXXX+ production under the terms and conditions of this contract. '' Why didn't anyone at Chase check the merchant exhibit A against the full contract that I submitted to Chase? Further, I attached the merchant advertisement showing Level 4- {$9000.00} includes filming as well. So let this be clear, the merchant full services are Meet with Writers 6x + Acting Coach + Filming as outlined on the XXXX advertisement and contract. Why was the merchant 's XX/XX/XXXX response accepted at face value? Why didn't Chase contact me and give me the opportunity to respond between XX/XX/XXXX and XX/XX/XXXX? No one at Chase reached out to me after I called them on XX/XX/XXXX. I called again on XX/XX/XXXX asking for an update. I spoke with XXXX and he told me its still in process. Chase had the opportunity to win this case with the full contract and advertisement provided as evidence to prove that merchant lied on their XX/XX/XXXX response. Why didnt Chase send the proof to merchants bank? 2. Chase stated they needed evidence showing merchant promised services for XX/XX/XXXX week. On XX/XX/XXXX I called Chase after I received notification of their letter dated XX/XX/XXXX asking if we want to continue the dispute. I spoke with XXXXChase rep at XXXXXXXXEST and told her my evidence is a voice recording of the merchant promising XX/XX/XXXX week for production/filming. The merchant told me to keep XXXX XXXX open. We paid for Level 4, 4 days filming experience. In the voice recording the merchant confirmed that they booked XXXX XXXX in CA for XX/XX/XXXX week. I was on the phone with XXXX/Chase rep for 17 mins and 10 secs. At the 5 min 54 sec mark, I explained to her about the voice recording and asked how we can do this. However at the 12 min 54 sec mark, XXXX told me that they can't use the audio recording and told me to just put on my response that they verbally told me. I followed her instructions, which led me to believe that was enough. Why didn't Chase accept the voice recording as evidence? Why did Chase tell me to just respond that they verbally told me if that wasnt enough evidence? 3. Chase stated that they explained on XX/XX/XXXX that the outcome of the dispute will remain the same because the merchant provided proof that they made the services available to me. What and where is that proof? Is the proof the XXXX calls? Then I refer to my questions from point # 1. The merchant never offered another 4 dates that satisfied the agreement. The service I paid for is 4 days summer camp. But in merchant 's email on XX/XX/XXXX, XXXX said she will organize to film in one day on XX/XX/XXXX. She tried to convince me on a phone call to accept 1 day. I paid {$9000.00} for 4 days experience. The conversation left me very uneasy. When merchant never offered to refund any amount or make any amends that is fair to us, I felt they were up to no good. The emails I have shows the merchant made no attempts to make the full service available to me, quite the opposite. I was the one who was trying to accommodate and we were willing to forfeit 1 day experience by asking if they would move up the filming service to XXXX XXXX XXXX. They said no. They didn't budge and told us the 4 filming dates ( XXXX XXXX ) can't be moved but they can get my daughter 's filming done in less days. Again this is their attempt to make me accept lesser days of service than what was agreed without any reimbursement. Our flight tickets leave XXXX for XXXX, XXXX on XX/XX/XXXX. That means we would have to fly back on the XXXX from XXXX XXXX to XXXX and still possibly risk our flight to XXXX the next day with all the flight delays and cancellations these days. That leaves us 2 day filming experience on XX/XX/XXXX and XXXX. I paid for a 4 day experience, not 2 days. Because of our interactions I have a bad feeling that even if we agreed to do the 2 days, paid for airfare, hotel and transportation from XXXX to XXXX XXXX that the merchant will end up cutting filming to just 1 day as mentioned on their email. Where is the evidence that they made services of filming 4 days available to me? On merchant responses on both XX/XX/XXXX and XX/XX/XXXX proves they never had intentions to refund anything even though they are the ones who changed the filming dates well after the 3 day cancellation policy. And knowingly changed it to XX/XX/XXXX week when we told them before signing the contract that we couldnt film that week due to existing travel plans. They are the very definition of unscrupulous businesses. If anyone stepped in my shoes, they will realize they are being conned. 4. Chase stated that they are past the allowable timeframe to pursue this matter further under the XXXX Core Rules. What actions did Chase make after the merchant response on XX/XX/XXXX if Chase knew the timeframe expires on XX/XX/XXXX? Why didnt Chase put urgency to resolve this case before the timeframe expired? Why was I not notified prior to XX/XX/XXXX that the merchant responded on XX/XX/XXXX? Why did Chase only send me a letter on XX/XX/XXXX, 7 days past the allowable timeframe when there is no recourse with Visa? I called and spoke with Chase reps on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to ask how to appeal or dispute the transaction again. Why didnt anyone tell me that the timeframe with Visa has expired on those calls? Why would the dispute team advise me on XX/XX/XXXX on how to dispute the transaction again if the timeframe with Visa has already expired? Again I followed the instructions from Chase rep to file the re-dispute and sent all documents through the Secure Message center. On XX/XX/XXXX I received notification that Chase sent a letter dated XX/XX/XXXX with the same result, that charges are valid but no explanation why. I called same day and only then I was told that the timeframe to appeal has expired. Why didnt Chase communicate this to me when I spoke with them from XXXX? According to FTC, if I disagree with results of the investigation, I have the right to appeal the decision within the time period the issuer gives you for payment or 10 days of getting the explanation, whichever is later. Is it right or legal that my right to appeal was taken from me because the Chase dispute team didnt act promptly? All my efforts with the merchant was exhausted and that's why I depended on Chase dispute team to help consumers like me who are frauded by unscrupulous merchants like these. I would like Chase to review all the evidence with a fresh set of eyes and provide answers to all my questions asked above.
Company Response:
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I opened my Chase Visa card in a predominantly XXXX zip code ( XXXX ) and since then they have charged me 30 % interest. This year alone I have paid {$2400.00} in interest. My XXXX card opened in the XXXX XXXX zip code XXXX charges me 9.99 % interest. I asked Chase to match that and they refused. I have a total of {$10000.00} in auto debt on a 36 month loan with 30 month to go. I have {$21000.00} in revolving debt including the {$8700.00} ( most of which is interest ) owed to Chase. I paid off my mortgage early. My student loans were forgiven through PSFL and I paid off my last car loan early. Yet Chase claims the 30 % interest is justified. I think the reason is exploitation and discrimination because my house was located in a XXXX neighborhood and I would like Chase to be investigated for redlining. Since XXXX XXXX is okay with 9.99 % the only difference is the zip codes where they started.
Company Response:
State: CA
Zip: 93401
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
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: Dear Sir/Madam, I am writing to appeal the decision Chase Bank made regarding my claim for reimbursement for a work trip to XXXX. The United States Department of State had issued a level three warning for US citizens just two weeks before our scheduled trip due to increased crime rates in XXXX. Our hospital canceled the trip for its employees and their families safety and well-being. After canceling the hotel reservation, I contacted management and requested a refund. However, they refused to acknowledge the Department of State warning, official notification for the public before they travel. I planned to stay in XXXX for three nights with my mother before she left for the United States and then travel to the second leg of my work trip further south in the XXXX. I have provided all the necessary documentation to support my claim. In my claim documents, I confirmed that I would not receive reimbursement from any other source. I have also contacted XXXX and XXXX, but they both refused to give me a refund or credit towards the hotel, which cost {$1800.00}. Additionally, my mother 's flight, which cost {$920.00}, is now held in credit for airlines we don't typically use. I received a call and voicemail from Chase Bank on XX/XX/XXXX stating that I would receive {$1800.00} back for the hotel and that in XX/XX/2024, we could receive the flight refund of {$920.00}. However, I then received an email stating that I was not receiving the refund because the reason for cancellation did not qualify for trip interruption. This is unacceptable, given that my employer canceled the trip due to a level 3 warning from the Department of State. I have heard of others who have had similar cases to mine and have been refunded. I request your office to mediate this matter with Chase Bank to refund my hard-earned money. Please let me know if you require any additional information from me to complete the refund. Thank you so much for your help in mediating and settling this matter amicably. Sincerely,
Company Response:
State: OH
Zip: 45458
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hoping that someone can help me get a resolution because all parties are pointing to each other as the " person '' who should help. In XX/XX/XXXX- a levy was placed on my Chase Bank account by the attorneys for XXXX XXXX. The account contained approximately {$390.00}. In XX/XX/XXXX- The debt was paid in full to the attorneys, In XX/XX/XXXX- the attorneys filed a Warrant of Satisfaction with the Courts. But the hold on the account was never released. The contacted the attorneys who said that the " ball '' was in the Court 's and Chase 's " court ''. In XX/XX/XXXX- I contacted XXXX XXXX, court officer, to explain the issue advising that the attorney told me that the court would need to send something to Chase letting them know that the debt was satisfied. Never heard back. I then suffered the loss of my husband and three family members due to XXXX and a near death experience requiring me to be hospitalized for several weeks. In XX/XX/XXXX, I contacted Chase and was told that the courts never sent them anything and that if I could get a copy of the warrant of satisfaction, my account would be released within two to three days. I contacted the court, got a copy of the warrant and faxed it over. I called a few times and was told once that it takes two to three days, and another time that it could take a few weeks. No one told me that the document was insufficient. In XX/XX/XXXX, I reached out again and was told that the Chase rep I spoke to in XX/XX/XXXX was mistaken and that the document I sent them was not enough to get the account released because it was not addressed specifically to Chase. They suggested that I contact the attorney. The attorney suggested I contact the court. The court said that what they supplied was enough and I should contact the bank. I filed a complaint with Chase and was told by letter that " they will require either a court order signed by the judge, or a release letter from the court officer to release the hold on the account. To try to reach an agreement or settlement to have the hold removed, you can contact the Court Officer XXXX XXXX... .. '' The letter then advised that the information I provided to them is addressed to the Clerk of the Court , which is why they can not accept it as a valid release. Meanwhile, my account has been charged with $ 12 monthly service fees for a situation that is not my fault. I just want the account closed at this point, but everyone is passing the buck. I'm not sure why I'm doing all the legwork- when no legwork was required from me when the lien was placed. I'm hoping that the CFPB can assist. If for no other reason, as a means to get Chase to review their policies and to better train their representatives on how to explain processes.
Company Response:
State: NJ
Zip: 07002
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I had a credit limit of {$1800.00} on my Chase visa credit card. I paid off the entire balance of the card this past week XX/XX/XXXX or XX/XX/XXXX. Not even less than a week later after I paid off the whole balance, Chase immediately decreased my credit limit by {$1300.00} and said that and I quote it came up for peer review I find it a little hard to believe that after I pay off the whole balance, theyre just able to decrease my credit by more than 75 % because of some random review they said happens. Im not delinquent on any cards. Im up-to-date with all my payments everywhere. This is clearly just a way for Chase to mess with their customers and hurt us when it comes to increasing our credit limits. I want my limit to go back rot where it was its totally unfair that they can bait me into paying off the balance to up my credit score and then as soon as I do they totally destroy my limit. Seems a little too convenient to me.
Company Response:
State: PA
Zip: 19053
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A