Date Received: 2023-07-28
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Regarding XXXX and XXXX Hi! I am writing to respond to Chase regarding the privacy breach concern. The time of the phone call with the representative was at XXXX until XXXX on XX/XX/. The representative on the Phone acknowledged that there was another customer on the line due to a glitch in the system. I called the Chase team immediately after to express my concern and the team increased security measures on my account as a result of the situation, thus acknowledging that another individual was on the line and had the potential to listen to my private information, putting my account at risk.
Company Response:
State: NY
Zip: 11364
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 my debit card was used in the XXXX XXXX XXXX with transactions amounting to around {$2400.00} in cash back and unauthorized cashback and debit card withdrawals. I currently live in California, nearly XXXX miles away. At the time of the unauthorized transactions, immediately called Chase to tell them about the charges and to cancel the card. Chase filed two claims one for {$810.00} and one for {$1600.00} the next couple of days Chase denied my claim saying that I authorize somehow the transactions, even though I wasnt there, they said that the card and pin was used, thats impossible because I still have the physical card and I never gave my pin number away. at this time they refused to reverse any of the charges and they said theres nothing they can do about it even though I have zero protection liability with them.
Company Response:
State: CA
Zip: 91744
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
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: OnXX/XX/2023, I purchased a XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of XXXX. I did not satisfy with the product, so I initiated a return to the merchant around XX/XX/XXXX and was provided with a label - XXXX. After a long time, the tracking was not showing any updates and the merchant did not provide any answer, I was trying to work with XXXX to seek for the item, ultimately, I had to filed for Chase dispute. This whole process span from XXXX until the beginning of XXXX. The initial dispute was under investigation until XX/XX/XXXX, I received the item back from XXXX. I immediately contacted the seller to seek for resolution and if I can return the item the second time. I was assured from XXXX XXXX that they can initiate a second return, which they did, and provide me with a new return label - XXXX. I returned the item using the new label provided by the seller on XX/XX/XXXX with the drop off receipt. On XX/XX/XXXX, Chase notified me about the verdict of the initial dispute, which I did not re-dispute at the time because I was trying to work with the seller. The seller confirmed that they have received it on XX/XX/XXXX, and assured me that they would provide the refund as soon as possible. The process of working with the seller and the conversation go back and forth until XX/XX/XXXX, the last message I received from the seller, in which they stated they would escalate the refund process however they never did. At this point, I contacted Chase dispute team and ask for the process to reopen the dispute, I was assured on multiple occasions that occasion that I still have time to re-open the dispute up until XXXX XXXX 118 days after the transaction date. I sent Chase a letter to request re-opening the dispute - tracking XXXX - and was delivered on XX/XX/XXXX. Not until XX/XX/XXXX, Chase started to re-open the dispute. The second dispute investigation took place from XX/XX/XXXX to XX/XX/XXXX, this is when Chase notified me that they closed the second dispute in the seller favor, although I already provided proof with tracking number that I returned the item back to the seller. When I called and ask Chase dispute team, they told me that they could not see the tracking number which ending in XXXX from XXXX due to its being over 120 days. However, when I sent Chase the letter to reopen the dispute I already included the new tracking number as well as the conversation I had with the seller. In which they received the item and stop responding to my message. When asked Chase dispute team told me that there are nothing Chase can do about the dispute at this stage, although it doesn't indicate to me that they received the updated information even though I included it in my re-open dispute letter request. I provided Chase with the conversation between myself and the seller which took place between XXXX and XXXX, with the new tracking information XXXX, indicated that the seller have received the item, yet Chase still concluded that the charge was valid when I, the customer, have returned the item, and still have the charge on my account.
Company Response:
State: CA
Zip: 95148
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I have a checking account with Chase. I notice I got charged for {$24.00} fee in the most recent two months. I called Chase today and asked why I am being charged. I was told I have to keep my daily balance over {$1500.00} otherwise there is a {$12.00} fee. I was surprised. I did not receive any notification regarding my balance becoming low before the charge, nor get any statement in email nor mail. I use Chase mobile app to view account activities but there is nowhere says there is a {$1500.00} minimum balance requirement otherwise it is {$12.00} fee per month. Chase customer service says because I didn't set up a threshold in the alert that is why I don't get any notification. However even I set up an alert it will not be {$1500.00} threshold probably will be {$100.00} threshold to notify me that balance is below {$100.00}. So I will still be charged with the fee. I have been charged twice, but there was no any notification either mail or email says there is a fee on my account. I also have several accounts with XXXX XXXX XXXX, when my balance is low they will send us a mail to tell us what we should do to keep the account status even we are using paperless statement. But I never received anything from Chase to tell me balance does not meet the {$1500.00} threshold Chase customer service says I didn't receive any mail because I am using paperless statement. But I also never received any email tells me my balance is breaching minimum threshold. Chase argues it is customer 's responsibility to maintain the balance. However, before customer taking their responsibilities, should Chase also have the responsibility to educate and remind customers there is a minimum balance requirement and how much. They could put an note under the account, also could send out an mail to tell customers about low balance and associate fee?
Company Response:
State: TX
Zip: 75013
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: a few days ago. I had deposited a check into my chase account it was placed on hold to be processed until XXXX I tried using my account this morning XXXX and got decline I called chase and they told me because of the check being returned my account was closed without any information given prior of them closing it... I tried to talk with them and they simply said I'm sorry chase brands doesn't want to do any more business with you anymore .... I been with chase my whole life and never had an issue, I tried to explain that to the guy and he said they can't do nothing. I paid all my times I been overdrafted In the past yet over a bounced check they close it. I have all my payment set up with chase by chase, and all my direct deposits to my chase accounts never have I been at bad .after today issue I want to file this and processed with Law suite against chase
Company Response:
State: IL
Zip: 60087
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I report a company called XXXX as fraud and Chase is not willing to do anything for me and keeps saying that it is out of their jurisdiction when clearly it is. I was scammed and ask for them to get back the money that was taken from us by XXXX and they just brush it off and say handle it elsewhere. I did not know chase would be of such low caliber which would eventually lead me to the CFPB for assistance regarding this case the total amount that was debited and taken was {$9500.00} by XXXX initially starting from XX/XX/2023 I look forward to reaching a solution with you guys because chase is of no avail.
Company Response:
State: AZ
Zip: 85392
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
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: Please note this is not a debt validation request. This is a request to be removed from credit reporting according to the consumer laws noted. ( 15 USC 1681 ) According to the U s consumer laws I have a right to privacy. I request for all of the disputed accounts to Cease Desist credit reporting. I repeat, I invoke my privacy under the consumer laws to cease credit reporting on the disputed accounts.
Company Response:
State: OH
Zip: 44106
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
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 was charged a large amount by a vendor - an amount that is absolutely irregular for me and my spending habits. The merchant insisted that the charges were getting rejected, so they charged me three times on two cards. I saw the charges pending but they had gotten aggressive with me and I was legitimately concerned that I had not paid. This was suspicious to me, which is why I felt comfortable using my premium chase credit card ( chase sapphire reserve ). Well all three charges cleared. My other bank, XXXX, took care to understand the situation and investigate and found that the double charge was invalid. Chase, however, was unresponsive and provided no avenue or attention for hearing out the situation. After a long period of silence, I was notified the charge was determined valid. I called, and they told me I must write and mail a letter to open another dispute for the same charge. I did, and they credited it again. Then, after another long period of waiting and only one request for info ( a screenshot of the first transaction ), I get notified that the charge is valid with a letter and pictures of receipts from the vendor. The support in this letter from the merchant is so absurd that any reasonable consideration would have resulted in seeing it was blatantly nefarious acting from the merchant - forged signatures ( the first is legitimately mine, contrasting from the forged ones to follow ), adding very very small amounts to the second and third charges to make it seem like they're different ( {$1.00} and {$2.00} on a {$3400.00} base amount ). Worse, the reasoning chase provided suggested a misunderstanding - that they though I said i paid for that third charge with another card - but I did my best to convey through their form submission online that I was charged 3 times for one service rendered. I've tried calling twice, and both times I was met with rude personnel in the dispute department who didn't even take care to understand it and ignorantly insisted that I'm the one that's incorrect and there's nothing I can do. It feels as if whoever submitted the most support wins this twisted contest for my hard-earned {$3800.00}. It's obvious that this is an issue unique to Chase. My other bank was able to figure it out, and they couldn't even investigate to the point of understanding what happened before making the final, incorrect judgement for a meaningful amount of money. There's no point in having a premium credit card ( or bank to trust any of your money with ) if you can't feel comfortable using it.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Hello : In XXXX I had my mail stolen from my mailbox. I followed the police instructions, went to my bank ( Chase ) and closed my accounts and opened new ones. During that process, I had multiple fraudulent transactions which I had to deny. I also dug into my past transactions by signing up for online banking. I found 3 questionable transactions that I brought up to Chase and the Police. Two were quickly explained a way - a funds transfer to a wrong account that was still owned by me and a fraudulent transaction that Chase had credited me for the next day without notifying me. However, one fraudulent check for {$4100.00} was clearly an issue. I filled all the paperwork with Chase and the police. In XXXX, my request for refund was denied by Chase because I hadn't notified them within 60 days of the transaction. I petitioned this denial citing that I didn't have on-line banking at the time, had been out of town a fair but and wasn't notified of the previous fraudulent activity that Chase had resolved without notifying me. Today, XX/XX/XXXX, I was told by Chase representative that my petition had been denied and that they would not be reimbursing me for the fraudulent activity. The fraudulent check had my banking information on it but was otherwise not my check- it didn't look like my checks at all. And it leveraged an older check # that I had previously used. Neither of those things were caught by Chase. My paper statements didn't show the check or the name of the person it was written to. I didn't know how to go on line and see the check image. I have lots of checks for my business and I missed this. I would like some help trying to get my money back. Thank You XXXX XXXX
Company Response:
State: CT
Zip: 069XX
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Banks Rob me {$100000.00} Dollars and 20 sperate Banks lawyers say its imposable to comprend then 15 years the Police Harass me when go outside so never leave my apartment and I took a Screen Shot Picture of Front and back of a Check uploaded to secure email and Chase bank wont cash it. My {$15.00} XXXX XXXX is not secure enough to do Banking and to small and difficult. XXXX XXXX and XXXX XXXX market log in both have a box to check to rember user name and or Password Banks or XXXX Rember all Bank user names and there no way to stop them so You can rob anyone cell Phone rember all customers user name and use a Phone Verification to Change Password XXXX XXXX Refuges all Banks require International Long Distanced to Call a Bank 1800 Number Defendants Discriminated against me and similarly situated people based on race, color, national origin, disability, age, sex, religion Violates genocide laws, war crimes, crimes against humanity and aggression, Universal Declaration of Human Rights, 42 USCS1346 ( b ), 28 U.S. Code 2671 to 2680, 42 USCS 1983, 1985, 1986, 28 USCS 1331 ( a ) - 1334, 42 USCS 2000bb-4 and 2000cc-2 ( a ) RICO Act 1962 ( d ) First, Fourth, Fifth Sixth, Eighth, Fourteenth Amendment and Bivens Action SEE XXXX XXXX XXXX Unknown Named Agents, 403 U.S. 388 ( 1971 ) and 1983 Supreme Court allows Malicious Prosecution Lawsuits only when all Charges Dismissed and 1st Amendment Retaliation Claim
Company Response:
State: MN
Zip: 560XX
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A