Date Received: 2023-07-31
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: On XX/XX/2023 a person opened a credit card with Chase in my name. I received a credit card in the mail I was not expecting and did not apply for.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XXXX XXXX I utilized accumulated points ( XXXX the equivalent of {$590.00} ) to reserve a rental car in XXXX XXXX XXXX, starting XX/XX/2023 until XX/XX/2023. Got a confirmation # XXXX. This booking was done through Chase Travel. A Trip I.D . # XXXX was issued to me. Pick up time of XXXX at XXXX XXXX XXXX was arranged. We would be picked up at the airport and shuttled to the XXXX XXXXXXXX XXXX XXXX XXXX location. We arrived by XXXX XXXX flight # XXXX that was on time. Upon reaching the arrival area, no XXXX XXXX Representative could be seen. Call the XXXX XXXX XXXX # listed on the voucher and the phone was not answered. We had to scramble for transportation by taxi as no cars we available from other companies. Upon reaching our accommodation we called Chase XXXX and complained about not being pickup nor being able to reach the company by phone. Requested a refund of points. On Sunday XX/XX/2023 we received an apology from Chase XXXX for the delay in answering our refund request. On Monday XX/XX/XXXX, XXXX we received correspondence from Chase XXXX stating that request was denied ; Reason : I did not qualify for a Security Deposit Check. I who hold a Chase card through which the car was rented. I never got the car nor points back. XX/XX/2023, I responded to denial of returning my points. XX/XX/2023 got an additional denial to another request flied. Made several calls to Chase Travel submitting request for reinstatement of points only to be taken through what was called an escalation to 2 or three experts in the travel department and the ultimate denial. On XXXX XXXX an expert with Chase Travel wrote to say I was awarded 7500 Goodwill points. I lost 47272 points and I need a complete restoration. In my opinion that would only be fair. Chase Bank needs to take responsibility for that. I was instructed to make an appeal. Embarking on the appeal process revealed it to be a sham. I was asked for the Trip I. DXXXX # XXXX. When I provided it, they respond that that # could not be found therefore I could not proceed. It was nothing but another exercise in frustration to help in defrauding us.
Company Response:
State: FL
Zip: 32771
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/2023, I contacted Chase Bank to request a chargeback of {$1800.00} for a payment I made to XXXX on XX/XX/2023, using my Marriott Bonvoy Boundless Visa card. I made this request because MyEyeDr failed to deliver the promised service, which was a full year of service for a total of {$1800.00}. Despite my efforts to request a refund directly from MyEyeDr, they refused, which led me to approach Chase Bank for assistance. Case # : XXXX Unfortunately, the customer service representative at Chase Bank did not listen attentively to my concerns. Instead, they advised me to seek a second opinion from another doctor. However, the issue lies with the eye doctor 's office not adhering to the standard procedure they had inform me at my first consultation, resulting in inadequate services after the payment was made. During the calls to Chase Customer Service, the representative swiftly opened and closed my case without informing me. After looking into the online status details at Chase website, the dispute amount and dispute reason were both incorrect. Also during the call, I was asked to upload documents for the case to their website, and although I complied, the case was again closed without communication until I checked the online status and called them. The case was closed with an incorrect reason, stating it was a billing error rather than a request for a refund/chargeback due to unsatisfactory service provided by the eye doctor 's office. Nonetheless, Chase Bank insisted on the need for a second opinion, for which it is irrelevant to the situation. MyEyeDr 's failure to fulfill their promised service should be enough to validate my claim. Chase Bank disregarded my explanation and the provided evidence but accepted MyEyeDr 's response, claiming that the service had been fully rendered, and therefore, I must pay. It is crucial to clarify that the {$1800.00} payment covered a full year of service to be paid up front, including follow-up visits, lens fitting, and any service required during the one-year period. However, MyEyeDr only provided the initial class for inserting and removing lenses and the first follow-up visit, both of which fell below the expected standard. During the class, essential eye drops were not provided, despite being stated in their instructions. Additionally, the mandatory follow-up schedule was not followed due to the doctor 's unavailability. There was also no instruction or communication regarding deep cleaning steps until I specifically asked for it, and they printed out a sheet of the box label of the solution for me. As a result, I sought a refund, which they declined, prompting me to approach my credit card company for a chargeback. I provided Chase Bank with all the necessary documentation and a comprehensive explanation of the timeline and incidents. However, Chase Bank still insists they need a second opinion from another eye doctor to verify that this eye doctor is not following the standard practice. Unfortunately, it is highly unlikely to find any doctor willing to bring trouble upon themselves by criticizing another doctor 's practices. Chase bank customer service representative even accused me that I shouldn't pay MyEyeDr if I was not satisfied with the service, I've explained to her that the merchant asked me to pay the full amount at the first consultation. She even told me I should have canceled the service since if they are not good which is contradictive. In reality, I wont know if their service is bad until I had it. The advice that the customer service representative provided is completely non-professional and doesn't even make sense. Chase bank needs to help me protect my consumer rights rather than teaching me not to pay the service and giving me irrelevant advice on how to use credit charge. I have reasons to believe that they did not thoroughly review any of my uploaded dispute letter and documentations, as they asked questions that were already addressed in my uploaded documents and evidence. I am seeking your assistance in asserting my consumer rights. I want Chase Bank to advocate on my behalf, protect my consumer rights, and conduct a thorough investigation into my case to fully understand my situation. I need someone from Chase Bank to genuinely look into my case and recognize that my consumer rights have been violated, protecting me from being abused by unethical merchants. Ultimately, I am seeking a {$1800.00} chargeback, which I believe is justified based on the circumstances. If you need any further information, please let me know. Thank you.
Company Response:
State: VA
Zip: 22101
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
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: In XXXX of XXXX, XXXX, a domain and website hosting company, falsely stated and advertised through their chat customer service and through their online account that they could renew a domain and XXXX falsely advertised that they could provide 1 ). Hosting and 2 ). Privacy & Protection for the domain. After purchasing their falsely advertised services and XXXX not renewing the domain and not being able to provide the services that they falsely advertised they could provide, I contacted them for a refund. XXXX did not deny that they had not provided any services even though they had charged me {$260.00} on XXXX XXXX. XXXX also did not deny that they could not even provide the services. Still, XXXX failed to provide a refund. A credit card dispute was initialed on XXXX XXXX with the Chase Credit Card Dispute Dept. Attached are documentation of the dispute initiation, documentation of the complete initial submitted dispute information, and a letter sent to the Chase Credit Card Dispute Dept. on XXXX XXXX requesting that they properly process this credit card dispute. During the processing of this dispute, the Chase Credit Card Dispute Dept. failed to mail any information to me regarding the dispute except for short basic generic form responses with essentially no real information in regard to the dispute. A representative from the Chase Credit Card Dispute Dept. called but did not say they were calling from the Chase Credit Card Dispute Dept. and did not say why they were calling, making it appear to be a spam call and not from Chase. The Chase Credit Card Dispute Dept. failed to inform me of anything in regard to the processing of the dispute and I only found out that they did not follow-up on the dispute because I saw a reversal of the dispute credit on my credit card account. The Chase Credit Card Dispute Dept. failed to inform me that they put some limited information regarding the dispute online, accessible by clicking through menu items online. The information that the Chase Credit Card Dispute Dept. put online was just basic status information and did not contain the detailed dispute information that credit card dispute departments normally forward to their customers as a normal part of the dispute process. The Chase Credit Card Dispute Dept. failed to forward the response from the merchant. I had to contact the Chase Credit Card Dispute Dept. to try to obtain information that they should have provided to me as part of the dispute process. When I contacted the Chase Credit Card Dispute Dept. on XXXX XXXX, they told me that the Chase Credit Card Dispute Dept. had closed the dispute and failed to follow-up on the dispute. The Chase Credit Card Dispute Dept. had failed to allow me an opportunity to respond to the merchants response. I asked that Chase reopen the dispute and follow-up on the dispute. I was asked to fax additional information to the Chase Credit Card Dispute Dept., even though they had never provided a copy of the response from the merchant. I asked for information on the merchants response, as the merchant had never provided the services, so, obviously, there should be a refund. The Chase Credit Card Dispute Dept. gave me very little information and they could not explain why they had not obtained a refund when the merchant had never provided any services. I requested that the Chase Credit Card Dispute Dept. send me the response from the merchant. The representative said that she would request that the response be given to me and said that it would be available online in 48 hours. ( It wasnt. ) The Chase Credit Card Dispute Dept. representative could not explain why Chase did not and does not send a copy of the merchants response to their credit card customer as a normal part of the dispute process. The Chase Credit Card Dispute Dept. still failed to timely provide a copy of the merchants response to the initiated dispute. I provided and faxed additional information to the Chase Credit Card Dispute Dept. on XXXX XXXX, shortly before their stated deadline, even though they still never provided a copy of the merchants response that they were asking me to address. On XXXX XXXX, I contact the Chase Credit Card Dispute Dept. again to ensure that they were following-up on the dispute, and the representative could not answer hardly any of my questions and was only able to say that they would provide an update in 15 days. I then also contacted the Chase Fraud Dept. on XXXX XXXX, since the merchant was apparently not agreeing to a refund, even though they had not provided any services and were attempting to take funds when they could not provide any services. The Chase Fraud Dept. representative put me on hold and contacted the dispute team. She then got back to me and assured me that the dispute department would follow-up on the dispute and get a refund since the merchant had not provided any services and since the merchant was trying to offer and charge people for services that they could not provide. She said that she was making notes on the account. I did not hear back from the Chase Credit Card Dispute Dept. Then, on XXXX XXXX, I received an email from the merchant saying that I had been charged again. Without any notice to me, the Chase Credit Card Dispute Dept. had put a short status on the online account ( underneath menus ) that stated that they did not follow-up on the dispute and had just simply closed the dispute, even though the merchant had never provided any services, and despite that fact that it appears that the merchant is trying to intentionally defraud people and despite the fact that I was told by their fraud dept. that they would follow-up on the dispute and make sure that I received a refund. The Chase Credit Card Dispute Dept. failed to follow standard, normal, basic procedures in processing this dispute. The Chase Credit Card Dispute Dept. failed to communicate information to us, as their customer, in regard to this dispute. The Chase Credit Card Dispute Dept. failed to even provide documentation from the merchant to me before deciding not to follow-up on the dispute. The Chase Credit Card Dept. failed to obtain a refund for the charged amount, even though the merchant never provided services. I have never before seen a Credit Card Dispute Dept. that doesnt even take basic steps to follow-up on a Credit Card dispute. I have never before seen a Credit Card Dispute Dept. that fails to communicate basic information to their customer. I have never before seen a Credit Card Dispute Dept. that can not obtain a refund when the merchant never provided the services. I have never before seen a Credit Card Dispute Dept. that doesnt care if a merchant is very apparently trying to defraud people. I have never before seen a Credit Card Dispute Dept. that so obviously has no regard for the interests of their customers. The Chase Credit Card Dispute Dept. failed to follow-up on this dispute, despite the fact that the merchant had not provided services and a refund is due. This was an easy dispute. There were no services provided by the merchant. The merchant does not ( and can not ) dispute this. The merchant never provided nor made available any services. There is nothing to pay for. It is fraud on the part of the merchant to not provide a refund. There is nothing for them to charge for. They have provided nothing. It is extremely poor for Chase not to provide personnel who can handle such an easy dispute. It is extremely poor for Chase to allow their customers to be defrauded. As stated, the Chase Credit Card Dispute Dept. failed to forward the information from the merchant, which is a standard part of the dispute process and the only way for them to get responses from their customer so that they can make sure to have all pertinent information in regard to the dispute. Only after they erroneously closed the dispute and after I specifically requested the information from the merchant twice did they finally forward the response from the merchant. The response from the merchant does not even address the fact that they did not provide any services. In other words, the merchant does not even deny that they did not provide the services. The response from the merchant does not address any of the pertinent facts in regard to this dispute. Their response is just a canned response that they probably forward for all disputes that is just a copy of their terms and conditions. Their terms and conditions are irrelevant when they falsely advertised that they could provide services that they could not provide and they did not provide any services. In addition, the fact that the merchant is trying to take money from people with false advertising of services through customers online accounts, and not provide a refund when they know that they falsely advertised and did not provide any services, constitutes illegal activity and fraud on the part of the merchant. It is unbelievable that Chases Credit Card Dept. would let a merchant get away with fraud in regard to their customers accounts.
Company Response:
State: VA
Zip: 22003
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XXXX XXXX XXXX I was charged {$2100.00} on my Chase Card ending in XXXX from a merchant labeled as " XXXX. '' I did not recognize the charge and called Chase to initiate a dispute when I saw the charge. Ovever the past 18 months, Chase has refused to intiiate a dispute or explain to me why this is allegedly a valid charge. I have even had to contact the head of Chase, XXXX XXXX XXXX, about this issue. He has not responded to any of my emails. I have called the number on the back of my credit card numerous times and every agent has advised that they can not help me.
Company Response:
State: FL
Zip: 33143
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: XXXX JPMorgan Chase Credit Card XXXX XXXX XXXX XXXX XXXX, MI XXXX RE : JPMCB CARD # XXXX To Whom It May Concern, I'm writing to you because I noticed that my most recent credit report-contains a late payment reported on XX/XX/XXXX for my JPMCB CARD account. I want you to ' know that I understand and have great respect for my financial obligations. Unfortunately, at the time of the incident mentioned above, I had a injury and missed the payment. A side from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. In the near future, I am planning on applying for [ insert something like a mortgage/ auto loan/loan for my daughter 's wedding ], and it has come to my attention that the missed payment on my credit report could hurt my ability to qualify. In my heart, I know that the missed payment doesn't reflect my creditworthiness and commitment to re-paying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payment on XX/XX/XXXX from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! Thank you for your consideration. Have a blessed day! Best, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX
Company Response:
State: CA
Zip: 92647
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: In XXXX upon finalizing a booking on united, a chase offer popped up on the screen : the offer was for {$250.00} statement credit after spending {$3000.00} on the card, and a XXXX mile bonus. but to my dismay, I noticed they only mention on the statement a XXXX promo miles. What transpired was countless hours on the phone ( as if I am supposed to fight for something that was clearly promised to me ) with agents who gave me the run around and only did me a whole favor that they escalated the claim. Shocking but not surprising, after their so called, major ethics breach investigation, they decided not to honor their contractual agreement with me ( why would they, if they can get away with it? ). worse, when I spoke to XXXX in the executive offices, I heard in his voice the stubbornness and indifference to my pleas that we had an agreement. Moreover, I sent them a copy of the screenshot that I took of the XXXX mileage offer, yet it didnt matter to them at all ; I was simply blown away with utter disgust with their blatant rejection to honor their promise by giving me some bs about a technical error on united airlines site. HELLO CHASE : HOW IN THE WORLD CAN YOU BE SO GRIDDY TO THE POINT WHERE U BELIEVE THAT YOUR LIES DONT EVEN HAVE TO MAKE SENSE ANY LONGER? Is this really how u welcome new customers? In what world do u live in? perhaps the world u live in is in chase universe where u do what suits ur needs just cuz ur name is chase? But let me ask u chase : what happens if I give u an excuse for making a late payment because there was a technical delay from the paying bank to transfer the funds, would u accept an excuse like this? U wouldnt in a million years. So why does a consumer like me have to buy your lies? U want me to believe that Uniteds website had an error? if thats the case, Uniteds business would be gone in a split second ; u would be able to get free tickets, if theres a glitch there. Clearly, the site had no issues ; the issue is with chase, having no obligation or desire to walk the walk and apply to my account the additional XXXX miles
Company Response:
State: NY
Zip: 10952
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have note given my consent to give my information to 3rd party. Delete all my information ASAP. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. ( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law. ( Pub. L. 106102, title V, 502, Nov. 12, 1999, 113 Stat. 1437 ; Pub. L. 111203, title X, 1093 ( 2 ), July 21, 2010, 124 Stat. 2095. )
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have note given my consent to give my information to 3rd party. Delete all my information ASAP. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. ( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law. ( Pub. L. 106102, title V, 502, Nov. 12, 1999, 113 Stat. 1437 ; Pub. L. 111203, title X, 1093 ( 2 ), July 21, 2010, 124 Stat. 2095. )
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My CD with Chase Bank in XXXX XXXX matured on XX/XX/2023. I spoke with my Private Client Rep, XXXX XXXX, & advised her to transfer my money, ( {$20000.00} ) into my checking account so I can pay a few bills & buy some stock. It's been 8 days since, & nobody seems to Know where my money is. I've spoken with approximately 12 people every day, several times a day, for at least 5 hours. I have over {$200000.00} tied up with this bank & still nobody has a clue where it is. Each person I talk to assures me that my funds will be available that day or the next day. Still no answers... .PLEASE HELP
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A