Date Received: 2023-08-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I am writing with respect to an unauthorized fraudulent charge on my Chase Sapphire credit card ending in XXXX ( formerly account ending in XXXX ). On or about XX/XX/2023, I was traveling to XXXX, XXXX and unbeknownst to me a taxi driver made an unauthorized charge on this account in the sum of {$5100.00}. Both myself and my traveling partner XXXX XXXX XXXX discovered that we were charged the same amount. Both our credit cards cards were scanned illegally by a taxi driver while we had them out of our wallets so the driver could see if they would work to pay a {$60.00} cab fare. None of our credit cards would work so I went to an ATM and withdraw enough XXXX XXXX to pay the taxi driver in cash. Shortly after the taxi cab driver left, we both received notifications on our phones. I received a message from XXXX XXXX that there was a charge on it by XXXX XXXX XXXX for {$5100.00}. I contacted XXXX XXXX and they immediately reversed this fraudulent charge. I then checked my Chase Sapphire card and the very same amount of {$5100.00} by the same company had been placed on my Chase credit card ending in XXXX. I contacted Chase and was told that this would be resolved immediately. On XX/XX/2023 I received a letter from Chase stating they reversed this credit and that the transaction is valid. In addition to me being charged this fraudulent charge by XXXX XXXX XXXX in the amount of {$5100.00}, XXXX XXXX also had this exact same charge on his Chase Sapphire credit card. As a result, this fraudulent charge was made XXXX times on XXXX different cards, XXXX of which are Chase Sapphire credit cards. It is my understanding that Chase has reversed XXXX XXXX fraudulent charge, but they have not reversed the fraudulent charge on my Chase Sapphire credit card. I never authorized this transaction, nor was it authorized by anyone who was an authorized user of this account. Although I still had the credit card in my possession, the credit card number was fraudulently absconded by the taxi driver in XXXX. On XX/XX/2023 I received a letter from Chase asking me to complete a Dispute Report Form. This Dispute Report Form was completed and sent to Chase on XX/XX/2023. Then on XX/XX/2023 I received a letter from Chase stating that " the transactions you disputed are valid. '' My late wife and I were Chase private client members and after my wife passed away, I have continued to maintain my elite member status with Chase. In the meantime, I have paid the minimum monthly payments on this credit card. I am hereby asking for your assistance in getting Chase to reverse this fraudulent charge to my credit card immediately.
Company Response:
State: CA
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received an offer for {$500.00} if I opened a business checking account that met certain criteria for deposits within the first 90 Days. ( Attachment provided. ) Having just formed an consulting business LLC and having my first small business income, on XX/XX/2023, I went to Chase Bank to open a small business checking account. I also applied for a business credit card. I opened a business checking account at Chase Bank in XXXX, CA, branch. I had three checks to deposit, totaling {$31000.00}. Checks were issued by The XXXX XXXX XXXX, a local non-profit business for which I have been doing hourly consulting work. The {$31000.00} represents three months of work I have done from XXXX XX/XX/2023. On XX/XX/XXXX, I went to access funds in my account and to pay bills, including a {$58.00} bill I had received from XXXX which issues checks for Chase Bank. I could not see the checking account on line or in the Chase app, although it was accessible about 10 days earlier. I went into the Chase branch on or about XX/XX/XXXX, fully expecting that I had inadvertently hidden the accounts. I was told by the operations manager ( the branch manager was on vacation ), that she did not know what happened to my funds. ( Very scary. ) After about 1.5 hours, she was able to determine that the funds were in suspension and that the account had been closed on XX/XX/XXXX. Chase customer service did not know why and that the account had been closed. I have still not been given a reason for this. I received NO contact that the funds were being held to be verified OR that the account was being closed. Working with the person at the branch, she was told by customer service that they tried XXXX to verify the checks with the issuer of the three checks and were told that someone was on vacation. They told me the person with whom they were attempting to verify payment. That person is a warehouse operations manager, someone who is not in any way sitting at a desk waiting to verify my paycheck as I am working for the XXXX administrative office. The XXXX general manager and/or CFO could have been reached, but XXXX did not attempt that. Based on my giving the customer service representative a phone number for XXXX XXXX as I was sitting in the branch bank ) who is an administrative assistant, customer service verified that I was paid by the XXXX. ( I do not see that is very good fraud protection as I had called XXXX and asked her to verify when XXXX called. XXXX called, with me sitting there and she verified ). At that point, the suspension was lifted and I was told it would be another 7-10 days before my {$31000.00} funds were returned to me. I was without my funds for 6 weeks! I was also short {$58.00} for checks that Chase Bank ordered for a closed account and for which I was not given any options. I did not have the costs of the checks disclosed. When checks arrived, they were GIANT and I was charge {$58.00} via invoice that I paid on time via my Chase credit card. I received the {$31000.00} returned on XX/XX/XXXX. I went into the branch on XX/XX/XXXX to inquire about the additional {$58.00} I was owed for checks on a closed account. The branch manager said he could not refund the {$58.00}, because I had no account to refund that into. He said he could issue a check but discouraged that because it would trigger tax forms. He offered to call XXXX to get them to reverse the charge. I left after 30 minutes, with the manager saying he would call me on Monday XX/XX/XXXX with resolution. I did not hear from the branch manager on Monday XX/XX/XXXX, so on Tuesday XX/XX/XXXX, I again went back to the branch. Another staff member called XXXX, who said they had no record of the refund. After a few more phone calls they issued a check to me for {$58.00} that they said will be treated as income. I needed to also go to another bank and again spend time to open another account. I also would have been eligible for {$500.00} that I did not receive.
Company Response:
State: CA
Zip: 949XX
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Fraud or scam
Subissue:
Consumer Complaint: I started service with WePay as it was offered as a third party company through a construction software. Within less than a week they froze and blacklisted my account stating that it was a high risk fraudulent account. They then said that the payments that had went through from our clients were going to be held for 120 days and then after that time they would be returned. We immediately contacted the construction software company and they stated we had to make and appeal which we did and WePay said they could not tell us why exactly our account had been blacklisted and they really couldn't provide us with anymore information than that. The total amount that is withheld is {$4600.00}. This was XX/XX/23 as of today XX/XX/23 these funds have not been returned and they have still not given us a date as to when this will happen. We have not committed fraud we are a legitimate construction company who is in good standing with all local agencies. We never signed any contracts with WePay authorizing this type of situation nor were we made aware that this was a possibility. I have emailed MULTIPLE times after waiting for the 120 days and I keep getting pushed off and made to continue to jump through hoops. This company has done this to multiple other people upon my research.
Company Response:
State: CA
Zip: 959XX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Cc opened in my name sent to my soon ex wife. Divorce date is XX/XX/23. This is the 4th time such similar events have happened. The recent was a cc that was taken out on behalf of my name, ss #, birthdate, etc. XXXX + credit limit, with over XXXX spent. XXXX XXXX, credit freezes on all 3 beaureous implemented. Divorce proceedings in progress. Please help.
Company Response:
State: MS
Zip: 39564
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
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 inform you about a dispute involving a banking institution that requires your assistance. I seek your guidance and intervention in resolving the matter expeditiously. On XX/XX/2023, I had an unfortunate experience with Chase Bank, which has prompted me to bring this issue to your attention. The incident in question pertains to unauthorized charges on my account after payment was rendered in cash to a business. I provided proof to Chase bank that this transaction was paid in cash, and my debit card should have not been charged double. This situation has caused significant inconvenience and financial hardship, compelling me to seek a resolution through your esteemed organization. Despite my repeated attempts to address this matter directly with the bank, I have not received a satisfactory response or a timely resolution. I firmly believe that my concerns have not been adequately acknowledged nor diligently investigated by Chase Bank. Therefore, I kindly request your intervention to ensure a fair and impartial review of the situation. To provide you with a comprehensive understanding of the issue, I have enclosed the necessary supporting documentation, including copies of relevant bank statements, communication records, and any other pertinent documents that will aid in a thorough examination. I trust this information will assist in a prompt and fair assessment of the matter. Given the circumstances, I kindly request your immediate attention to this dispute. I sincerely hope that your intervention will facilitate a fair and just resolution for all parties involved. I have confidence in the abilities and expertise of the Consumer Financial Protection Bureau ( CFPB ) in handling such issues, and I believe your intervention will restore trust and rectify the situation appropriately. Thank you for your time and consideration. Yours sincerely, XXXX XXXX
Company Response:
State: CT
Zip: 06902
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I, XXXX XXXX, applied for a Chase Bank XXXX Edge Credit card around the month of XXXX, XXXX. This card comes with a 0 % APR on purchases and balance transfers for a promotional period. I got the card because of this advertisement and also because of this attached link ( https : //www.chase.comXXXX XXXX which states that a balance transfer can be used for, " Pay for unexpected expenses or get cash. If you've received balance transfer checks, you can use them to pay for things you need or to get cash. If eligible, you can also sign in to Chase.com or call the number on the back of your card to transfer funds into a qualifying checking account. Successful payment history must be established for checking accounts you wish to use for transfers. '' However, when I called Chase Bank to make a balance transfer to my checking account I was notified that I can not do that until I have made 6 monthly payments. They have not been able to provide anything in writing that says this. They mislead me, negatively affected my credit, because they falsely advertised how their card can be used. I have my card member agreement and all other documents that were sent to me as of XX/XX/2023, and there is nothing in the card member agreement or other documents that state that I must wait for 6 monthly payments to go through to use this advertised benefit. Chase has not been helpful in this situation and send me in a " circle '' of department to department without being able to provide anything in writing about this policy.
Company Response:
State: IL
Zip: 60634
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to bring to your attention the significant challenges I have faced while attempting to make payments to Chase Bank. The payment process has been unnecessarily complicated, making it difficult for me to fulfill my obligations. Furthermore, I have encountered multiple issues and frustrations in my efforts to pursue and maintain enrollment in a XXXX XXXX XXXX XXXX XXXX ) with Chase Bank. Their handling of the payment process not only affects my ability to meet my obligations but also puts my enrollment in the XXXX at risk, as I have experienced ongoing difficulties with the enrollment process since the beginning. My interactions with their customer service representatives have been disheartening, and I believe it is essential to file a complaint in the hopes of finding a more satisfactory resolution. Issues with Enrollment in XXXX Firstly, when I initially contacted Chase to inquire about the balance liquidation plan, I encountered a representative with very broken XXXX, making communication extremely difficult. This individual failed to provide me with essential information regarding the stipulations and mechanics of the XXXX leaving me uninformed about the process. Following this conversation, I received correspondence from Chase stating that my account required urgent attention and that I had not completed the setup for the XXXX even though I was assured by the previous representative that everything was taken care of. When I called Chase support again to resolve the issue, I encountered further problems with autopay setup, leading to another letter about incomplete XXXX enrollment. It was not until I made a third attempt to enroll in this program that I had any success. Unauthorized Transaction leading to disenrollment of BLP Recently, I faced an unauthorized ACH transaction from my XXXX Checking account to Chase, which Chase was responsible for and unable to rectify. As a result, I filed a transaction dispute with XXXX in order to document this occurrence and resolve the issue. XXXX ruled in my favor, returning the funds ; however, as a result, Chase suspended my payment account method for the XXXX Chase 's Additional Demands When seeking assistance from the Chase XXXX support line, I was transferred to multiple departments without clear information about who I was speaking to. Additionally, contradictory instructions were given, and some representatives even claimed they could not find my checking account information, despite having used it for previous transactions. During an extensive phone call with Chase support, I was told that a mail piece needed to be sent to me, which I then had to take to my bank and sign, before faxing it back to Chase to unsuspend my account. In addition to this form, Chase bank required a voided check and a letter on Letterhead from XXXX ( my bank ) affirming that my account number and routing number are correct and that I was authorized to make transactions. When, in fact, Chase bank has full knowledge that both of these are true without needing any form of affirmation from my bank. This convoluted process seemed unnecessary and burdensome, causing further distress. Assistance at Chase Branch Furthermore, when visiting a Chase branch in person seeking alternative methods for payment account reinstatement for the XXXX I encountered unhelpful responses from the representatives, and even a rude and uncooperative Account Supervisor named XXXX. However, I would like to take a moment to thank the XXXX XXXX, XXXX, for her help and support with this matter. Overall Customer Service Experience Throughout this ordeal, I felt Chase 's customer service lacked consistency, transparency, and efficiency. Their inability to address the issues with my XXXX enrollment and the unauthorized ACH transactions has left me frustrated and disappointed. Moreover, the lack of clear communication and accountability among representatives made the process more confusing and time-consuming. Financial Implications At this point in time, I am unable to make payments towards the XXXX, and Chase is sending correspondence stating that my account is at risk of falling further into delinquency. The account may be assessed additional fees and interest, and there is a possibility of it being charged off. I am unable to pay towards the BLP because Chase has suspended my payment account. The only reason Chase suspended my payment account was because of the filing of the transaction dispute, which ruled in my favor. I filed the transaction dispute because Chase initiated an unauthorized transaction. As a result, I am unable to pay my XXXX facing the risk of disenrollment, loss of the interest rate, increased fees and interest assessed to my account, and reported delinquencyall because of Chase 's mistake. Request for Resolution I urgently request your prompt attention to this matter, as it has caused significant financial strain and inconvenience. Given the difficulties I faced with making payments to Chase Bank, as highlighted in the opening paragraph, I am concerned about the potential impact on my enrollment in the balance liquidation plan ( XXXX ). The outlined series of events and interactions with Chase, along with the provided payment confirmations, serve as evidence of the ongoing challenges I encountered throughout this process. I firmly believe that Chase Bank 's handling of my account, their lack of clear communication, and the repeated errors require immediate action for reinstating my account or providing a more appropriate resolution. Your assistance in resolving this matter swiftly would be greatly appreciated. Thank you for your time and consideration. Sincerely, XXXX XXXX XXXX XXXX. Attached is a copy of this letter AND the detailing of the events. Please review.
Company Response:
State: NH
Zip: 03051
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: There is a bug in the Chase XXXX where customer activate cashback offers, they show as activated, but then when you go back to them, they're not activated. It's only a bug in their XXXX XXXX, not on the website. I have brought this issue to their attention repeatedly and have only been met with useless canned copied and pasted responses from their useless outsourced customer service morons. I activated a XXXX XXXX 's cashback offer prior to discovering the bug and then made a purchase. Later I saw that despite my having activated the offer, it showed as not activated in their app. I contacted Chase Customer service and was told it would be escalated and taken care of. This was over two weeks ago. Since then I have contacted them twice and received assurances that it would be resolved. It still has not, over two weeks later
Company Response:
State: MA
Zip: 01960
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I had a 12 month no interest offer on this XXXX credit card until XX/XX/2023 for balance transfers and they didn't disclose to me that they would start charging interest that day after on the XXXX ; expecting me to make the full payment the month prior with no notice. The balance was paid in full by me before my due date which was after the XXXX but they never disclosed that it was supposed to be before that. I sent the payment before my own payment due date just in case so that wouldn't happen as thats normal with any regular balance transfer. Its as if they just started charging it because they can without notifying me of that change.
Company Response:
State: NJ
Zip: 07036
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, I noticed significant fraudulent activity on my Chase debit card, I found that there were over 200 transactions totaling {$26000.00} from XXXX and their subsidiaries ( XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX ). I reached out to Chase immediately to stop payment and close my card. As we could not get a hold of anyone at XXXX, we filed a complaint with the XXXX on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX, from XXXX contacted me. In our discussions with him, we learned that 61 accounts were opened with XXXX ( and their subsidiaries ). The transactions started on XX/XX/XXXX and ended when we closed the card on XX/XX/XXXX. XXXX also told us that only a valid US credit card is needed to open an account and they dont authenticate the card owner. At no point during this time period did Chase report suspicious activity with these transactions and vendors we had not done business with before. We also filed a police report with our local Police Department on XX/XX/XXXX. We also noted fraudulent accounts were opened with XXXX and XXXX. This activity, XXXX transactions, occurred between XX/XX/XXXX and XX/XX/XXXX for a total {$220.00}. Neither of these companies will share information with me. However, on an electronic communication with XXXX they said the email associated with the fraudulent account set up with my debit card was, XXXX. XXXX told me the email looks fraudulent as it only contains random numbers and letters. Even though the nature, scope, activity and dollar amount are significantly different, Chase has linked these claims together. Their final decision is that as we did not notify them of the XXXX activity within 60 days of the first transaction on our statement none of the fraudulent charges will be reversed. Including all of the {$26000.00} XXXX transactions. We do not know the identity of the person who stole my debit card number. We have been talking to XXXX, but they will not share account information with me and will only provide it to Chase or Law enforcement. To date, no one from Chase has reached out to XXXX. Chase will not refund me the stolen funds. Total amount is XXXX $ {$26000.00}, XXXX {$220.00}, so a total loss for us of {$27000.00}.
Company Response:
State: CT
Zip: 06840
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A