Date Received: 2023-08-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: I ordered shoes from this instagram seller for {$110.00} on XX/XX/XXXX and when i asked for a refund because i realized it was a scam i got left on read.I already tried calling chase and they said all they can do is make a complaint and that if they get the money back theyll give it to me but she told me it wasnt likely so i read about regulation 5 and was wandering if i could get my refund.
Company Response:
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check for {$5700.00} ( not the exact amount ) on XX/XX/XXXX to which Chase stated it would clear on XX/XX/XXXX. On the morning of XX/XX/XXXX, I attempted to withdraw the deposited money from my account at a Chase branch only to be informed that my account was restricted due to suspicious fraudulent activity and was instructed to call the fraud department to release the restriction. I called and spoke with 5 different Chase representatives throughout the day of XX/XX/XXXX in which 4 of them stated the check was flagged due to something with the signature which I wasn't sure how to resolve as I wasn't aware of any issues with the check upon depositing it. Those 4 representatives stated that I needed to submit a " verified number '' for the check issuer to which I provided what was given to me. One of the representatives informed that the number couldn't be verified and asked if I had another number ( which I didn't ) to verify but there are a few locations in my area and wasn't sure why the number I was given by the store associate wasn't valid. In that conversation, this representative informed me that ALL of my Chase accounts ( 4 total - 3 checking and 1 savings ) would be closed after 10 business days if the check can not be verified which was my FIRST time hearing this although I had spoken with 3 other Chase representatives in the fraud department and NO ONE noted this. All I was told was that after 7 business days if the check couldn't be verified it would be sent back. Additionally, I was not informed that they were was NOTHING they could do to stop the check and that I had to recall it from the business that issued it which I spent most of the day trying to get a hold of someone at the business to help me. No answer. So naturally, I just want to cancel the check and report it as fraud because now it seems I was given a bad check. I mentioned this to the Chase representative in an attempt to let her know I had no idea this was not an authorized person able to write checks and that I just wanted to keep my accounts since I have been a Chase customer since XXXX to which she essentially told me it's my fault for not double checking the check and there was nothing that could be done by Chase unless the check was verified. This SAME person ( from the FRAUD department ) told me that since all of my accounts are restricted I'm unable to transfer money or use the Chase app but that I could go into a branch, explain the situation, and that a banker would be able to withdraw my money from my 3 other accounts that were NOT connected to the deposited check. Upon going back to the bank, for a THIRD TIME, the banker also called the fraud department to which he told me there was nothing he could because the fraud department had not made any notes on my account although I only went back because another representative told me that this could be done. Not only have I struggled with this for a full day attempting to keep my accounts all I wanted to do was have access to the funds in my other accounts at Chase. I'm not even able to access any online system to now report the check as fraudulent because everything has been restricted for me to use. I have had Chase since XXXX and have had THREE of my debit cards compromised during my time with them due to REAL fraudulent activity along with a check that I received for {$6000.00} to which Chase accepted ( it was deposited at the ATM ), made the funds available, verified the check and everything only to REVERSE the entire check a few days later causing my account to go into the negative. This is issue was NEVER resolved even after multiple back and forth conversations which various departments about the situation. This is extremely UNACCEPTABLE as a Chase customer for so long but also for customer service in that NO ONE I spoke with offered any real help with resolving this issue. At this point, I simply either want to keep my accounts, report the check as fraud, and have access to my money.
Company Response:
State: TX
Zip: 76017
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: I am writing to dispute a charge of {$460.00} from XXXX XXXX on my Chase credit card. I rented a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and returned it on XX/XX/2023, XXXXXXXX XXXX. When I returned the vehicle, I inspected it thoroughly and did not see any damage. The Inspection employee was not present, so video and pictures were taken of the car as proof of return with no damages. However, XXXX XXXX is now claiming that I am responsible for damages that occurred to the vehicle while it was in my possession and is refusing to solve the issue. I then contacted JP Morgan Chase who my credit card is under and they are giving me additional problems. I am disputing these charges because I am not liable for damages that occurred to the vehicle before or after I had possession ( when returned with no damages ) of it. I have provided supporting documents to Chase, including : Multiple pictures of the returned car 's condition with no damages. A copy of my call logs showing XXXX not answering my calls of existing damages not reported in their previous inspection report before giving me the car. A copy of photos showing XXXX had moved the car before doing the inspection as the pictures they provided are not the same as the spot I had returned the car. I believe that I have provided sufficient evidence to dispute these charges. I am requesting that Chase reverse the charges and issue me a refund. Chase has multiple times has denied my dispute and say the charges is valid even though I have provided thorough documentations to prove I am not responsible for the charges. They have then ignored my documentations for a redispute by not reviewing my case till 3 weeks later and then coming to a conclusion 2 weeks later, so I have been waiting for another month just for them to do a additional review. They keep on saying I am arguing about a billing error, but provided a additional letter stating I am not disputing over a billing error, but a damage error. So the person who keeps reviewing my information by the name of XXXX is not reading through my documentations or has a personal vendetta with me and is refusing to change the outcome. Both companies are refusing to solve the issue when video and photo evidences was documented and provided. Both companies also suggested to document everything which I did and now they're refusing it. If you have any questions, please do not hesitate to contact me. Thank you for your time and attention to this matter.
Company Response:
State: AZ
Zip: 85037
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accurate with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the rights to privacy. 15 USC Section 604 A Section 2 : It also states 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 a open end consumer credit plan as late for any purpose.
Company Response:
State: SC
Zip: 29617
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: Problem with fees
Consumer Complaint: I have been using a Chase credit card for over 5 years but was unaware of the 3 % foreign transaction fees they charge when booking international flights, even from the USA. Now when I called them, they refused to waive the {$59.00} fee that I incurred by booking a flight ticket and refused to consider the waiver of fees even after I repeatedly mentioned that I was unaware of these fees and instead pointed me to the lengthy card member agreement that I signed when I first applied for the card years ago. After this incident, I am very concerned to use this credit card for larger purchases and I feel that they charged me this fee even without clearly communicating about the existence of such fees and it just seems like a hidden fee that suddenly appears in the transactions and statements.
Company Response:
State: CA
Zip: 94901
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accurate with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the rights to privacy. 15 USC Section 604 A Section 2 : It also states 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 a open end consumer credit plan as late for any purpose.
Company Response:
State: SC
Zip: 29617
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: Struggling to pay mortgage
Subissue:
Consumer Complaint: Back in XX/XX/XXXX, I applied for a loan modification through my lender JP Morgan Chase. I was approved and went through the trial payments in XXXX, XXXX and XXXX of XXXX. I was then required to send in the final modification documents to finalize the process and begin my payments with the new modified amounts and time frame on the loan. I originally faxed these forms in per the loan rep that I spoke to, which constantly was a different individual even though I was assigned a specific individual. I sent those documents via fax from a Chase Branch in XXXX XXXX, cause it was closest to my work location. I then contacted the chase Morgatge department who verified the documents were received and all papers was there and going to be submitted for final approval. At this point no issues were brought to my attention, no problems with the paperwork were mentioned. About one week after documents had been submitted, I again followed up on my modification, looking to speak to my assigned lean officer. She was not available per usual so I was offered to leave a message which to that day I have never heard back from her after leaving a message. I opted to speak with the next loan officer who became available. When that individual got on the phone they informed me there was a problem with my paperwork and that it was incorrectly submitted and that faxed paperwork would not be accepted. At this point 2 weeks were wasted due to being misinformed and misguided by the same people who are supposed to be helping through the modification process. I still had the original copies to finalize the modification and told them I would send them in immediately, in which I did roughly 1 hr or less when being informed. The original documents were sent via XXXX XXXX in the return envelope provided. These were dropped off at mail facility in XXXX XXXX Indiana, where I received a receipt and tracked. These were one day aired to Chase and I called again to verify it was received and that they were being re submitted for final approval once again. At this point there was over a week for me to get these papers in and I was assured by a random loan officer not my assigned officer that all should be good and if any problems arose I would be contacted. I again followed up myself cause I want to make sure this modification was done and I could breathe easy knowing that all was taken care of. Again my loan officer was not available and I was offered the next available representative and I took that option. Because at this point I never spoke with my assigned representative and was used to this process. I was told all the paperwork received was correct and I was good to go with my next payment being due on the first of the upcoming month in the new payment amount. I went into the XXXX XXXX Chase on XXXX to make two mortgage payments and bring my payments up to date. Due to being out of town the past 30 days for family issues. I was told by the attendant that payment can not be taken and there must be an issue with my account. I then called to find out my loan went to the foreclosure process on XX/XX/XXXX. Confused I called in to find out I can reinstate my account for {$5600.00}. Then was informed that is all that is possible to bring my loan to current. I explained to the individual what I thought the account was at and she then noticed the modification process through the notes. She took a couple mins and said there was an issue with the final documentation and it was not received on time. I explained that was not the case not only do I have documentation of when it was sent in but also that I spoke with them numerous times before and after the documents were sent and received. Being distraught I let that individual go while I got my paperwork and thoughts in order. Around XXXX XXXX I called again to verify that nothing could be done and what I needed to do to stop the foreclosure. And was told I can start a new assistance application or pay the reinstatement amount of {$5600.00}. Was informed on how to get an application quickly and that was by stopping in a local branch. When I asked what happened with my final documents I was told unfortunately mistakes happen, misfortune and problems sometimes arise. He is very sorry that one of these took place but assured there was plenty of time to submit a new application. I find this excuse not only unacceptable but down right unprofessional and appalling. For over 7 years I have had this loan and made payments and due to unforeseen world issues had fallen behind and struggled over the past 2 years. Originally obtaining the loan I was categorized under XXXX citizen tax rates due to the seller being given this rate. At closing I asked if that was the correct rate and was told confidentiality yes. Then 12 months into the loan received back tax notice where my mortgage doubled for 24 months. I fought my way through that misfortune, mistake and overlooked issue. Making all payments and catching up the loan. Feeling that this is all part of the lenders plan, seeing that multiple friends encountered the same problem. Now that we are where we are, I cant help but think misfortune tends to happen to the unfortunate. I could be wrong, but reapplying for loan assistance after jumping through all hoops and doing as I was informed would like to know why cant Chase be held responsible for mistakes they made on their end? Why do I have to accept things happen? They do it accept that as an excuse to not make a payment, or fall behind. Even at closing they decided to increase the already high down payment requirement which I understand was my fault due to credit issues. But the amount they increased it to just so happens to be {$100.00} less than what I currently had in there establishment. This was no coincidence, they knew what was available in my account and wanted all of it. For years I have been trying to fix my homes assessed value on their end which happened to be exactly the amount of my loan. There is no way this is the case, I have had my own assessment value but Chase does not recognize that as the true value. This assessment of Chases cause me years of paying {$50.00} per month for insurance until 25 % of the home was paid for even though I was required to put 25 % down. Chase has consistently screwed me over and over and I have finally had enough of this treatment for no reason other than for them to continue to rob funds form me for their benefit. This needs to stop!
Company Response:
State: IL
Zip: 60803
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I had a loan with Chase Auto for my XXXX XXXX XXXX in which the loan ended in XX/XX/XXXX. I made my final car payment on XX/XX/XXXX. Prior to XX/XX/XXXX I had contacted Chase Auto via phone to update them on my mailing address, as I had recently moved from XXXX XXXX XXXX. XX/XX/XXXX came and went after my last payment and I never received my car title in the mail. I left ample time for it to be sent out and arrive. In early XXXX I followed up on the phone with Chase Auto again to see if they had sent out my title, in which they said they had and they verified sending it to correct address. I have had no problems receiving mail from anyone else. The representative I had spoken to said she would send a lien release so I could get my title. It is XXXX now and I have still not gotten any title or lien release. I have also submitted a lien release request twice throughout XXXX through Chase 's website in which nothing has been mailed to me. They claim it will be sent out in 3-5 business days, but a whole month has come and gone with receiving nothing. My current license plates have already expired and I would like to go to the XXXX to register my car with the state of XXXX, but I have no way of doing so without having my proof of ownership. My car is 100 % paid off so getting me my title should not be a problem.
Company Response:
State: CO
Zip: 80228
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XXXX I have conducted the payment in the amount of XXXX USD from my account with XXXX to account of XXXX XXXX XXXX XXXX XXXX opened with XXXX AND XXXX XXXX XXXX XXXX XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXX, 2022 XXXX was designated under the Executive Order 14024. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to OFAC. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, OFAC may not locate the records of the blocked payment. We tried to contact JP Morgan Chase Bank via XXXX from XXXX Bank asking them to clarify if the payment was blocked and reported to OFAC and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Good morning I was a customer of chase credits card I was approved for the XXXX last year in XXXX balance {$6000.00} In XXXX of this year XXXX I applied I received by mail invitation to applied and I was approve with the sapphire credits card for {$16000.00} my credit scored was good than in XXXX I received a letter stating they were closing my accounts with no explanation I call several times and even went to the branch they were not able to help me, I hope you guys can help me, I am frustrated because of that closing my accounts my credit has gone down tremendously and is not fair I been working so hard for it. I even ask them if you guys were going to closed my accounts why approve me. I also reach out to them many times to help me hardship to pay the balance because my job cut my hours but they said I dont qualified for that. I so overwhelmed with this situation because of them other credit card had lower my balance I always pay on time and work so hard for my credit scores I feel they trick me to get approved and than close my accounts with no explanation.why approve me with no only one credit card but two and than decide to closed it. Thats the worst thing they could do to someone thats been working so hard to get a good credit scores to buy a home now I cant. I want for them to remove those inquiries. I really hope that you guys can help me with my situation and dont allowed chase to do this to other people.
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A