Date Received: 2023-07-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Chase bank multiple fraudulent transactions were made on my account most were yet to be addressed and poor customer service care for the most part inadequate explanation by workers and subsequently frustrating explaining for weeks of delays and poor service and handling for the customer who yet to be taken care of properly
Company Response:
State: OH
Zip: 44511
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Fraud or scam
Subissue:
Consumer Complaint: J.P. Morgan Chase has a bank account for a scamming lease-to-own company called XXXX XXXX XXXX ( XXXX XXXX XXXX The owner of XXXX is XXXX XXXX. XXXX XXXX pressed my husband and I for {$5000.00} to complete our lease-purchase on a home. We sent the funds to XXXX via his XXXX Chase business bank account on XXXX XXXX. XXXX never sent the funds to the homeowner. We were completely unaware of this until XX/XX/2023. Upon further research, XXXX completely deleted the business webpage ( XXXX ) and renamed his business XXXX XXXX XXXX. We reached out to Chases owner regarding the ongoing fraudulent activity, but did not get any response. Upon further review, XXXX XXXX has been sued and arrested for scamming several tens of thousands of dollars from individuals looking to purchase a home, that would not normally qualify a home loan. XXXX had the home listing on major home buying sites and a legitimate webpage. Chase has made not attempt to rectify this situation or retrieve the funds that were scammed out of us. This has been an ongoing issue that XXXX has presented to many people and has used Chase Bank to retrieve the funds.
Company Response:
State: MS
Zip: 39211
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, I used my debit card at Chase ATM inside the bank. I removed {$400.00}, ten {$20.00} and two {$100.00} bills. Because there were no envelopes available, I put the money in my pocket. When I got to my car, I pulled the money out, I had five {$20.00} bills. I went back into the bank to the same ATM machine. A male employee had the ATM machine open counting the money. I was about to ask him if I left money in the machine, he said " the teller has your money ''. There were several customers in line, however, a teller handed me a sealed envelope. As I started to walk away, a customer at the window close to the ATM said, " honey you need to be more careful, that man, she pointed to a customer standing in line, found your money ''. I walked over to the man, and offered to reward him. He refused my offer two times. When I got to my car, I opened the sealed envelope and discovered {$100.00} bill missing. Was it in the ATM machine, did the man pocket the money or did the teller take it? ( I couldn't believe what just happened ; I had walked back into the bank, an employee directed me to a teller, she gives me a sealed envelope. No one asked me for my receipt, an ID, how much I was missing nor said where the money was found. ) I was running late for an appointment. I went back the next day, XX/XX/XXXX, and talked to a supervisor, XXXX. I asked if she could roll the camera, I wanted to where the money was founded. She wasn't authorized, unless I accused an employee or the bank was robbed. Only the manager, XXXX XXXX ; he will return from vacation on Monday. Monday XX/XX/XXXX, at XXXXXXXX XXXX, XXXX called ; she will write a complaint about the {$100.00}. I asked her to add my concerns ; why no one asked for an ID, a receipt of my withdrawal, who found the money and why a customer pointed to the person that found the money. It didn't make sense, they gave me a sealed enveloped, no questions asked. XX/XX/XXXX, at XXXXXXXX XXXX, XXXX called case # XXXX said, if it's not fraud, not identity theft, nothing can be done. I again repeated, I need to know where was this money found, in the ATM, or where, and how can I walk into the bank and they give me a sealed envelope, no questions asked. Nothing he could do. XX/XX/XXXX, at XXXXXXXX XXXX I called Chase executive number XXXX XXXX. I talked with XXXX. He will escalate my concerns to someone that could provide answers. Case # XXXX. XX/XX/XXXX, at XXXXXXXX XXXX XXXX called from the executive office. She has the complaint to investigate. If there are any questions, call the manager, XXXX XXXX XXXX XXXX. XX/XX/XXXX, at XXXXXXXX XXXX XXXX called. Her report states the money was found in an envelope and given to the customer. I clarified ; I put the money in my pocket, because there were no envelopes by the ATM. She informed me she was reading what was provided to her. I asked her title, she said a representative from the executive office, not a manager. Everyone I talked to had a different story about this problem. Why are Chase employees so reluctant in telling me where the money was found. Is this Chase procedure, or is it this branch that's giving me the impression something illegal is going on? Finally, I want to know where was the money found, why I wasn't questioned before they gave me a sealed envelope and why did a customer point to the person that found the money. Please provide me with an answer. Thanks for your help.
Company Response:
State: IL
Zip: 60643
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
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: Bank has resolved the case and notified on my account as credit issued, but they did a mistake while processing the credit as removed temporary credit accidently they thought it was a double credit by ignoring earlier rebill on XX/XX/2023 ( {$1200.00} ) XX/XX/2023 : XXXX temporary credit XX/XX/2023 : XXXX rebilled after dropping the dispute as per communication, but problem has not been resolved the dispute, so once again it was disputed, so bank again processed temporary credit on XX/XX/2023 : XXXX temporary credit for re-dispute than bank resolved the case in my favor and notified on line credit issued, but while doing that they ignored the rebill on XX/XX/2023 ( XXXX ), then they removed my temporary credit as double credit with XXXX rebill on XX/XX/2023 XX/XX/2023 : XXXX rebilled by ignoring XX/XX/2023. Conclusion : Credit twice on XX/XX/2023 ( {$1200.00} ), XX/XX/2023 ( XXXX ) and rebilled twice on XX/XX/2023 ( {$1200.00} ), XX/XX/2023 ( {$1200.00} ). Now the bank is saying we have send it back to XXXX and we will not be able to continue because the funds were already returned to the merchant, so contact them, so I contacted merchant, XXXX, but they denied.
Company Response:
State: SC
Zip: 29072
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
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 had a breach to my CC, and alterations were made to my payment schedule/amount back in XX/XX/2020. As well there were many fraudulent changes made. I noticed months later and contacted Chase Fraud about the issue. They then refunded some, but not all, of the fraudulent charges. They did not refund the interest and fees. I took numerous calls from Chase debt collectors and explained the situation, as well I kept making monthly payments. I made numerous calls to Chase Fraud, and charges were not reversed. I made calls for settlement in a final payment, and during that process Chase would hang up on me. After a considerable amount of time. I decided to make this complaint. Chase has since charged me over {$5500.00} in fees and interest. Note : Prior to this issue, I had been paying the card off in full every month for a long period of time, years.
Company Response:
State: TX
Zip: 773XX
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I called to do a balance transfer. The rep said that we can use part of my credit limit on another Chase card. They did not disclose that this will show my credit card as 178 % of my limit. Now my credit score has dropped XXXX points and other companies are lowering my credit limit and raising interest rates.
Company Response:
State: VA
Zip: 23235
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize this inquiry
Company Response:
State: MD
Zip: 21122
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am so XXXX off by Chase bank. I went to the ATM to make a deposit on XXXX XXXX XXXX, XXXX NJ XXXX The ATM ate my deposit. I went inside to tell XXXX of the tellers and they told me I would have to call customer service. Upon calling customer service I was told that Id have to file a claim and wait 10 days for MY FUNDS that I tried to deposit to pay my car note. Now my car note is past due and thats about to affect my credit thanks to Chase. Another rep told me that Id most likely receive a credit to my account within 4 days and I still havent seen anything. Im on day 3. I filed the claim right after the incident on XX/XX/2023.
Company Response:
State: NJ
Zip: 07003
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I visited XXXX XXXX XXXX on XX/XX/XXXX to discuss treatments for my thighs. I paid my first payment of {$850.00} with a convenience fee of {$30.00} for a total of {$880.00} with my debit card towards my balance of approximately {$4300.00}. I texted the owner, XXXX XXXX, on XX/XX/XXXX to let her know i would not be moving forward with the treatment and asked for a refund. I then emailed her on XX/XX/XXXX when I did not receive a response. She replied that she would take care of everything right away. When I didnt not receive my refund i submitted a chargeback to Chase . I received a temporary credit only for it to be reversed on XX/XX/XXXX because with the explanation of We found that the transaction ( s ) was processed according to the information you provided or was authorized. 1. I paid for a service I did not receive. 2. I didnt not receive notification electronically based on my correspondence preference. 3. I have yet to request the documentation the business provided in which they based made their decision on. Chase violated the following regulations : 15 USC CHAPTER 41, SUBCHAPTER I, Part D : Credit Billing From Title 15COMMERCE AND TRADECHAPTER 41CONSUMER CREDIT PROTECTIONSUBCHAPTER ICONSUMER CREDIT COST DISCLOSURE 1666. Correction of billing errors ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor ( B ) ( ii ) In the case of a billing error where the obligor alleges that the creditor 's billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination. ( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}. 12 CFR Part 1005 ( Regulation E ) 1005.4 General disclosure requirements ; jointly offered services. ( a ) ( 1 ) Form of disclosures. Disclosures required under this part shall be clear and readily understandable, in writing, and in a form the consumer may keep, except as otherwise provided in this part. The disclosures required by this part may be provided to the consumer in electronic form, subject to compliance with the consumer-consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act ( E-Sign Act ) ( 15 U.S.C. 7001 et seq. ). A financial institution may use commonly accepted or readily understandable abbreviations in complying with the disclosure requirements of this part. 1005.11 Procedures for resolving errors. ( d ) Official interpretation of 11 ( d ) ( 1 ) Written Explanation 1. Request for documentation. When a consumer requests copies of documents, the financial institution must provide the copies in an understandable form. If an institution relied on magnetic tape, it must convert the applicable data into readable form, for example, by printing it and explaining any codes.
Company Response:
State: TX
Zip: 75024
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: " I had an Introductory 0.00 % APR on purchases until XX/XX/XXXX on a XXXX card # XXXX. On XX/XX/XXXX, I borrowed {$300.00} + {$300.00} as a cash advance, as shown below : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX On XX/XX/XXXX, I made a payment of {$610.00} to cover that cash advance because it was incurring a daily interest charge, and I did not want to be charged excessive interest on the {$600.00} cash advance. See the attachment below. However, the defendant did not honor my request and kept charging me interest even after I made the {$610.00} payment on XX/XX/XXXX. I have been charged {$12.00} on XX/XX/XXXX. The cash advance has not been cleared even after more than 3 months, providing a fraudulent opportunity for the defendant to keep charging excessive fees on a debt that was paid within 4 days of being incurred. I urge the defendant to clear the cash advance debt and uphold their promise of the 0 % introductory interest grace period. ''
Company Response:
State: NJ
Zip: 08012
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A