Date Received: 2024-01-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My friend who I deemed as a grandfather more so, gave me a check for {$2000.00} to put in my savings account to help pay for bills that are due on XX/XX/2024. Mobile deposited the check through my Chase savings account and I knew it would take a day to process. Got a hold on it XX/XX/2024 saying that they were trying to get information from my friend bank and ask me to call my friend to see why the bank was having issues releasing the funds. Called my friend and he stated that XXXX already released the funds out of his account. Called Chase back and they stated that on XX/XX/2024 that it would be released. Checked my account today and it now states on the account the check is on a hold. Called Chase and they stated they have to hold it and was gon na call to see if they could release the funds from XXXX. 5 mins go by and saying they could not reach XXXX and I would have to wait until XX/XX/2024.
Company Response:
State: WV
Zip: 252XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
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: Date of Incident : XXXX XXXX XXXX Description of the Incident : On XXXX XXXX XXXX, I received a text from Chase Bank regarding a declined transaction of {$500.00} at XXXX XXXX XXXX XXXX charged to my credit card. Responding that the transaction was unauthorized, Chase Bank closed my card and issued a new one. Upon reviewing my bank account, I noticed a pending {$500.00} transaction to the same merchant, XXXX XXXX XXXX XXXX. It was later discovered that there were two attempts of {$500.00} transactions, with only one being declined. Believing this to be a case of identity theft, I reported the situation to Chase Bank. I mentioned a recent incident where my wallet was temporarily lost but returned with all cards intact, raising the possibility of information theft. Chase initially reimbursed the {$500.00}, but approximately one and a half months later, the charge was reposted to my account. Chase explained that the merchant had successfully disputed my claim, presenting a copy of my driver 's license as authorization proof. This evidence was accepted without verifying the current validity of my ID or investigating how my ID was obtained by the merchant. Additional Concerns : Inadequate Verification of Fraudulent Activity : The bank accepted the merchant 's proof without cross-referencing it with my current identification or considering the possibility of identity theft. Questioning of Lack of Police Report : Despite not having concrete evidence to file a police report at the time of the wallet incident, Chase representatives repeatedly questioned why I had not made one. This line of questioning disregards the complexity of identity theft situations where evidence is not always immediately apparent. Potential Internal Security Breach : Ironically, the last known instance of my ID being copied was at a Chase Bank branch. This raises concerns about internal security and the handling of personal information. Inconsistent and Incomplete Investigation : In a conversation with a Chase representative, after several attempts to reach a U.S.-based agent, the representative inquired about additional transactions not reflected in my statement. The representative offered to send me this information, but I never received it. This incomplete and inconsistent handling of the investigation further demonstrates the bank 's inadequate response to the situation. Lack of Support in Fraud Resolution : Despite my efforts to dispute the charge and provide context, the bank has not adequately investigated or resolved the issue, leading to financial loss and concern for my identity security.
Company Response:
State: CA
Zip: 91201
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
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: Hello, I had the following issues with my Chase account and card : ( 1 ) On XX/XX/XXXX, I sent a XXXX to a friend for {$80.00} that I owed her. However, it was sent to the wrong account because my friend had changed her phone number, and Chase never warned me that she had changed her phone number even though I had updated her contact information. We tried to rescind the transaction on XX/XX/XXXX, but Chase did not issue me a refund. I had submitted a few claims with Chase, but my {$80.00} was never returned. I wanted to recover my {$80.00} because I was not promoted with a warning of my friend 's number change before sending the XXXX, so I had no way of knowing that Chase did not update her number since other banks update the contact information automatically, and other banks also prompt the user with a message asking " are you sure you want to send XXXX a XXXX '' and I never received this promo before sending the money. ( 2 ) On XX/XX/2023, I had cashed in a gift card for {$55.00} worth of points. I was told that it was emailed to me. The order number is as follows : XXXX. I have not received the gift card. I reached out on XX/XX/XXXX about this issue and was told my claim would be escalated. It was. Then, the person of higher authority told me to check back in a few days to give the system a couple of weeks. After doing so, he told me I would get my gift card. I never received the card. I reached out again on XX/XX/XXXX via email, and on XX/XX/XXXX, and I was told I would receive a follow-up call to reissue the gift card. I received the call. I was told my claim would be escalated and someone would get back to me. This never occurred and I still have not received my gift card.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Date : XXXX, 2023 XXXX XXXX {$360.00} US I have been a victim of fraud by XXXX XXXX and Chase Bank, and neither organization has done anything to assist me. I received an alert on my phone on XX/XX/2023, at XXXX XXXX asking for authorization to process a transaction. I replied NO because I was not familiar with the charge. At this time, I was home with my children. The following day, I called and explained to a Chase representative what occurred. I was asked to destroy my bank card as I would be sent a new card. I did receive a new bank card. I was also told by the Chase representative that I would receive a credit for the two charges of XXXX that were done by someone in New Mexico, according to my XXXX XXXX history. A few months later, as I reviewed my credit report and my Chase transactions, I realized that I was not credited the XXXX. I called Chase and explained what had occurred in XXXX and that I just realized I was NEVER credited. I was then credited. A few weeks later, I realized that the credit was retracted. I have been back and forth with a Chase representative who has since denied the refund. I have also printed out a copy of the text message proving that I responded NO to the authorization of the transaction that occurred. I went to the local precinct and filed a police report. I visited a branch, sat with a chase rep, and gave him a copy of all the documents I am submitting now, with the exception of the police report, as it was not ready yet, to no avail was I helped or assisted. I do not appreciate the manner in which I was treated by the representatives on the phone. I have included with this letter. A police report stating that I did not approve these charges A print of the text message proving that I responded NO to the approval of the transaction A copy of the XXXX XXXX History of the two charges A printout of my call log shows that I did call Chase and report the incident, as they are claiming that there is no log of my call. I am asking for a refund. I responded No to the authorization of these charges, yet the charges went through. XXXX XXXX has referred me to Chase, and no one has helped me.
Company Response:
State: NY
Zip: 10128
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: XX/XX/XXXX I applied for the TX HAF Program and I was approved XX/XX/XXXX. The company has been trying to reach out to setup payments to make the mortgage current and they have refused to reply per the TX HAF Company they sent me a letter staying that Chase was not responsive and they have now 7 days left for them to reply. Please have them call the call center @ XXXX This assistance will bring everything current. Chase stated that they transferred the loan to XXXX BUT this is something that can only be done buy the trustee. FYI As of today XXXX has no account with me XX/XX/XXXX
Company Response:
State: TX
Zip: 75165
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: In XX/XX/2023 I had a credit of {$2100.00}, but then in XXXX it was removed, need to know why and no one could tell me. sent me a lot of info but never told me what happened to my credit of {$2100.00}, then they sent me a refund check for XXXX which I will not cash as I still don't know what happened to the difference of {$2100.00} and XXXX. They made the check out to my husband but I am on the account too. As you can see they just took the credit off, I did not spend it, they just took it off, so Chase stole the {$2100.00}.
Company Response:
State: MO
Zip: 640XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: My account is currently overdrawn due to reversals for a 3 claims. I ordered items off of XXXX back in XXXX they didnt arrive on time. So l was informed I would receive a refund from XXXX when the time lapsed I called XXXX they stated that the refund could take up until XXXX. So I informed them I would contact Chase. The XXXX app stated I would be refunded with XXXX since the items didnt arrive on time. I filed a claim one for XXXX and XXXX. On an early call back in XXXX when I had to replace my debit card I inquired about he claim and I was told the XXXX refunded the money for those transactions. A few days after the claim the post office delivered the items but I returned them immediately after. So XXXX fraudulently informed chase the items were delivered but never informed them also that the items were returned back. So now my Chase account is overdrawn because they reversed it the credit. I received a call about my account being overdrawn 4 weeks ago and I explained to the rep it was for two credit reversals. She stated to upload the documents to show I sent the items back to XXXX. I called chase then they told me to wait XXXX hours. I didnt call back so XXXX weeks ago I get another call about my account being overdrawn I explained once again the situation so I was connected to the XXXX department and after a long call they reviewed my documents and stated that they were going to apply the credit back for both XXXX charges and the credit would be permanent. I was told it would take about 2 days for it to reflect back in my account.I never received the credit back. So now today XX/XX/2024 the claim department says the escalation department states they cant reopen the claim even though I was told the funds were given back, I was told the credit would be permanent. The bank failed to appropriately investigate my claim. Today I was told to contact the merchant because its nothing chase can do. So I explain it was my account the money came out of. I no longer buy items from XXXX since I was informed by their back office that they alleged Chase blocks refunds from being processed back on my card and chase denies it. I then asked to speak with a XXXX and instead of them addressing the issues or providing information if chase has a legal department they supervisors just constantly repeats I need to reach out to XXXX but Chase knows they blocked it to where XXXX cant processes refunds to my cards.
Company Response:
State: VA
Zip: 239XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: After paying off my lease and purchasing the car, I went to sell it several months later and discovered the title I was sent was not valid. For some reason during my lease Chase had requested a new title which made the one I was sent not valid. so after not having a valid title and losing the sale of my car i called Chase. They told me they would have to send a request to the title department and this could take 30-45 days. after 45 days and multiple calls back i was told, now they can not locate the title and will have send off for a duplicate title from XXXX. Again could take up to 45 days. Now more than three months into this process I am still waiting>>>>> they say title was issued about two weeks ago and all they can do is wait to receive it and then it will be mailed to me. meanwhile I am unable to sell my car- it is sitting losing value and i am losing money each month paying for insurance> They are the most incompatunt company I have ever delt with amd WILL NOT EVER deal with again.
Company Response:
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Chase Credit offered me a XXXX percent interest rate and XXXX cash back on all purchases but changed the terms without my consent and approved me for a card I did not want, I applied for a chase sapphire card but was given a Chase Freedom Card i called on XXXX several times but they refused to discuss the terms so I need someone to help get this resolved i have been deceived.
Company Response:
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: During the XXXX of 2019. I had check stolen. I also misplaced or lost a bank card. Another card had expired. Looking back on this I think its fraudsters. I was getting emails from Them and I looked into it. I had also had the same thing happen to me from another card company. My wife thought someone committed fraud on us.
Company Response:
State: NE
Zip: 68801
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A