Date Received: 2023-07-23
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: As a Chase card holder, there is this new " benefit '' called stored cards. This is where Chase somehow decides which vendors should be updated when a cardmember has had to change credit card accounts due to fraud, theft or loss. Mind you, the customer has no input into which vendors are on this list - there are vendors on my stored cards list I have only ever transacted with XXXX time. The issue is there is no path or recourse to the customer to REMOVE a vendor which Chase has decided to place on the list. So not only can I not indicate who I would want on this list- if indeed I actually wanted a list of vendors updated about my having to change cards- but there is no XXXX way for me to initiate having XXXX of the vendors removed. I have no idea what criteria Chase used to decide on the vendors, if the vendors were vetted ... no one even asked me if I wanted this XXXX service, but I am forced to have it and am stuck with it and the vendors that Chase decided should be kept aprised of my financial account changes. I not only don't need Chase making these decisions for me, I don't want it but am told there is no way to remove this " benefit ''.
Company Response:
State: MD
Zip: 21502
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I applied for this card the {$250.00} sign up bonus and because it had no annual fee. When I first received the card, I tried signing up to monitor it electronically, it would not allow me at first without having a chase bank account to go along with it. So, I through it in a file and never used it since i could not monitor it. I figured it would just extend my usable credit. One day while checking my credit report, I noticed a negative report for a missed payment I panicked like anyone would. I found who the creditor was and made a call within an hour. I was panicked I don't think I have ever had a late payment like this before. I called chase bank and told the lady asked what this charge was and told her it did not make any sense I don't have XXXX XXXX nor would I. I have no use as I am a long-haul trucker. And can not easily pick up and order from XXXX. She was extremely rude to me and i felt intimidated by her and the situation, she asked several times if i was going to pay it or not. So, I paid it. After getting off the phone with her and knowing what the charge was, I then called XXXX, and XXXX agreed and looked into it that I never wanted it. I heard a lady talking in the background who said that I didn't click on anything or purchase to at XXXX point and she couldn't understand it either. XXXX agreed with me and refunded the money to the card. This was the first purchase ever made with this card, and I didn't even make it. When I talked to chase later, they said it was the annual fee for the card and once they saw it refunded, they would remove it from my credit report. I then got the run around over the course of several phone calls after the refund happened. I became so frustrated i gave up for a while. I then decided to try again after noticing it really hadn't been fixed, I mean it dropped by like XXXX or XXXX points originally it caused me to completely panic and interfered with my plans to start a business. When I called a few days ago i talked to three people the first 2 where incredibly nice. The 2nd lady said they would remove it and they where sending me to the department to have it done. Then a very rude guy answered who was about to try and tell me again that it was part of an annual fee, when I informed him i had read the fine print and it says nothing about an annual fee ; and they followed proper Fair Credit Reporting and would not remove it because it was over 30 days late. I informed him the first lady I ever spoke to should have sent me to the fraud department because I told her I didn't know what the charge was. He said he didn't care it was not be removed. I then said what am I supposed to do hire an attorney to get it removed and then he said he was ending the call while sounding extremely angry and aggressive. Then hung up the phone. I never received any notifications via snail mail or email for this charge either. The first lady completed my set up on the phone during the first phone call i heard he tell someone it looked like it got stuck and never finished being set up. When I first signed up for the card I told the lady i didnt want XXXX XXXX over the phone she also told me that I did not have to have XXXX XXXX to have the card it was not a requirement for the card.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I opened an account for a JPMCB Credit card in late XXXX ( XXXX I think ). Credit limit was {$8000.00}. In XXXX " XXXX, I was diagnosed with XXXX XXXX. I had to go to XXXX XXXX XXXX for best treatment. Being away from my residence in XXXX, Wa,. it was easy to forget I even had this card, as, I normally rely on mailed bills. I fully admit the oversight, of less than {$100.00} in XXXX of XXXX. If you would care to examine the rest of my payment activity, it is unblemished. It been over XXXX since these, XXXX of a kind, occurrences and my XXXX score is still about XXXX below its typical value. This event needs to be removed from my record post haste as the XXXX score should be much more holistic and not allow a single event out of XXXX decrease my score by XXXX points. Thank you for your attention to this matter.
Company Response:
State: WA
Zip: 990XX
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My husband passed away on XX/XX/2023 and I reported his death to Social Security on XX/XX/2023. I was informed at that time that he was entitled to his final Social Security payment of {$1200.00} which would be transferred electronically to our joint savings account on XX/XX/2023. My husband was born on XX/XX/XXXX. I noticed that the deposited social security funds were on hold and asked the bank why. " Social security can ask for the money back and therefore the hold. '' I had my final interview with Social Security on XX/XX/XXXX and asked them about the hold. They told me the bank should release the funds immediately and off to the bank I went again. After some run around I got the branch manager who told me this is standard procedure. Social Security has 180 days to ask for the money and the bank can't just send the money back if Social Security asks for it and there are not sufficient funds in the account, therefore the hold.I could of course ask Social Security to send a letter stating that the bank should release the money but good luck on that one. She said by the time you will get that notice the money will be released. The bank just released the funds XX/XX/2023 but it shows on the account like it cleared on XX/XX/2023. Now I am in the fortunate position that I did not depend on that money but it me made realize several things. If this happens to me it must happen to thousands of Americans. No interest is paid on the money the bank is sitting on and as far as I know they can float it freely for 180 days. What a nice way to get free money for them to play with and make money on. Something is terribly wrong with this process. It doesn't help the person who has just lost a loved one and is dealing with the aftermath of that. For many the loss of the loved one means loss of that social security income as well. And for the bank to be able to sit on that money for 180 days is just absolutely disgraceful and a financial slap in the face. This needs to be fixed asap.
Company Response:
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Dear Chase Bank, I am writing to you to talk about a billing dispute error notice regarding the past, current, and future certificates of indebtedness under my contract with your institution. My account number is XXXX. ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within two complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. As of XX/XX/23, I have noticed that Chase Bank needs to correctly report the amount of {$4700.00}, which has caused a delay in the credit account 's payment. On XX/XX/23, I sent a cost of {$4700.00} per 1099a form electronically through the IRS-approved website 1099 online. The price was accepted and submitted to the IRS and XXXX XXXX XXXX XXXX XXXX with reference number XXXX. A physical copy was also mailed to Chase Bank via USPS-certified mail on XX/XX/23, with clear written instructions to apply the payment to my account or return the instrument with a lawful reason for doing so if the price was not used. However, I'm still awaiting updates from XXXX XXXX Regarding the payment status. Despite this, I have continued to make payments on the statement balance. On XX/XX/23, the IRS submitted and accepted another payment of {$4700.00} to Chase bank and a physical copy was mailed via certified mail with clear written instructions to apply the fee or return it to the sender. ( 4 ) Nonconforming payments ( i ) In general. Except as provided in paragraph ( b ) ( 4 ) ( ii ) of this section, if a creditor specifies, on or with the periodic statement, requirements for the consumer to follow in making payments as permitted under this XXXX but accepts a payment that does not conform to the requirements, the creditor shall credit the payment within five days of receipt. I am disappointed to note that Chase Bank has submitted the total amount of {$4700.00} to the IRS but has yet to credit my account for the amount. This has caused me significant inconvenience and violated several laws, including damaging my consumer report. I also requested that the amount of {$4700.00} would add up to the original amount approved and submitted to the IRS. Still, Chase Bank decided to file with the IRS rather than credit my acc to my treasury direct accountant- XXXX, routing number XXXX. ( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required 1. 15 U.S. Code 1666b - Timing of payments 2. 15 U.S. Code 1666c - Prompt and fair crediting of payments 3. 15 U.S. Code 1666d - Treatment of credit balances 4. 15 U.S. Code 1666h - Offset of indebtedness 5. 15 U.S. Code 1638 - Transactions other than under an open-end credit plan section ( b ) 6. Theft of customers ' securities : Please immediately resolve this issue and credit my account for the total amount owed. Being that this is past the third notice, Chase Bank has 3-5 business days to honor my request, or I will move forward with the judicial process and file formal additional complaints to the Federal Trade Commission XXXX securities exchange commission XXXX and as well Thank you for taking the time to look into this matter. Sincerely, XXXX XXXX
Company Response:
State: MN
Zip: 55112
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: On XX/XX/XXXX, I was trying to pay a bill to XXXX XXXX for my daughter 's college to XXXX XXXX XXXX for the amount of {$900.00}. I was charged twice on this date. I disputed one of the charges with my credit card company, Chase Freedom. On XX/XX/XXXX, I received payment back from XXXX XXXX XXXX for {$900.00}. I called Chase Freedom to cancel the dispute on XX/XX/XXXX, due to the fact that I received a refund check from XXXX XXXX XXXX that uses XXXX XXXX. When I cancelled the dispute, Chase Freedom rebilled XXXX XXXX for {$900.00}. XXXX XXXX uses XXXX XXXX and they never recieved the rebill amount of {$900.00}. I called Chase Freedom back in XX/XX/XXXX and was told that Chase Freedom released the funds on XX/XX/XXXX and that the funds of {$900.00} was accepted on XX/XX/XXXX. They told me there is not a routing or processing number to verify where it was sent. I sent all this information along with my credit card statements to XXXX XXXX XXXX so that they could pass that information along to XXXX XXXX, which is XXXX XXXX. XXXX XXXX can not find that transaction at all. I went into XXXX XXXX XXXX on XX/XX/XXXX and spoke with XXXX who is the head of the business department. Together we both talked with Chase Freedom on the phone. We were hung up on twice and told that Chase Freedom did send a rebill amount of {$900.00} to the initial merchant but that they did not have a tracking or processing number because " that is not how they work. '' They said the credit card statements I have is proof enough that a payment was made. XXXX and I both stated that without a tracking or processing number it doesn't prove that the money went to the correct account. I was told there was nothing that I could do, and that I was out of the {$900.00}. I asked if I could dispute the rebill charge and I was told that it was too late. I have called many times since XX/XX/XXXX in regards to this problem and kept getting the same answer that there is no more information that they can give me.
Company Response:
State: KS
Zip: 670XX
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: I purchased a flight via Chase Travel in XXXX of 2023. The airline canceled the flight XXXX hours prior to departure. I had to pay twice as much to rebook thru a different airline to ensure my hotel and other travel arrangements were not compromised. The airline has informed me that the funds have been returned and the card has has not refunded, I was told it would take XXXX billing cycles to be refunded by Chase.
Company Response:
State: TX
Zip: 75214
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: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: TRIP ID - XXXX On XXXX XXXX XXXX we booked a stay at XXXX XXXX using our Chase Sapphire rewards points. Unfortunately, when we arrived, they did not have a record of our reservation. Despite their error, they still charged us over {$1000.00}. This left us in a distressing situation where we were forced to find alternative accommodations at the last minute. Consequently, we had to book a room at a XXXX for an additional {$650.00}. Since this unfortunate incident, we have spent over 27 hours on the phone with your customer service team. We were repeatedly assured that our out-of-pocket costs ( {$1000.00} to XXXX XXXX and {$650.00} to XXXX ), along with the rewards points spent on the original booking, would be refunded. However, it has been over a month, and we have not seen any of these promises materialize. The money was taken from our account with the most recent required payment on XX/XX/XXXX. The consequences of this issue are far-reaching, extending beyond financial implications to significant stress and inconvenience. As such, I am submitting a formal request to the Consumer Financial Protection Bureau for assistance in resolving this matter. I have contacted Chase Travel Services numerous times to try and resolve this matter Dates contacted : XX/XX/XXXX XX/XX/XXXX XXXX Case # XXXX XX/XX/XXXX XXXX -connected with XXXX confirmed dispute XX/XX/XXXX XXXX from XXXX XXXX - chase handling dispute XX/XX/XXXX VOICEMAIL from XXXX saying refund request complete- connected with accounting XX/XX/XXXX Called to check in on refind- assured XXXX points - {$910.00} approved back waiting on the {$650.00} from XXXX promised $ in account within XXXX business days XX/XX/XXXX Spoke with XXXX + XXXX. It is deeply disheartening to be placed in this position despite being a loyal customer. Your assistance and guidance in this matter are greatly appreciated. I trust that with your involvement, we can achieve a swift and just resolution. Thank you for your attention to this serious matter. XXXX
Company Response:
State: HI
Zip: 96753
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: We deposited {$720.00} in an ATM cash. And the ATM shut down. Midway never gave us a receipt, and now we are out of the money. The bank did put the money back into my account. Did an investigation and they found in their own favor and said they were going to take {$610.00} out of my account on XX/XX/XXXX. I don't know what their investigation involves. Or who counts the money or who has the video? But I run a very small farm. And I have no room for error and I know what money I put in the bank.
Company Response:
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On Amazon I was solicited for a {$250.00} Gift Card and a XXXX % cash back credit card if eligible ( sponsored by Chase/AMAZON Prime Visa ) . I applied on XX/XX/XXXX with an income of almost {$300000.00} annually, rent of {$2500.00}. per month, no other debts, and a XXXX score of over XXXX. I was denied for the offer, got a ding on my credit, the denial confirmed my score at XXXX but claim my obligations are too high to my income. I calculate my debt to income ratio at XXXX %. If I am not eligible for this card who is? I feel like this was a scam to get my information. I also noticed other complaints of the same nature, feeling like denial was not correct and this was some type of scam to get folks to apply.
Company Response:
State: FL
Zip: 33401
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A