Date Received: 2023-07-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: late this afternoon, I received a phone call from Chase verification number XXXX that someone pretending to identify as me, is still and tries to buy a car at XXXX. and they are suspicious at Chase and wanted to check I told them on the call it is not me I have never tried to buy a car in years and this is not me and its a fraudster. Chase gave me a reference XXXX for the matter and I will report this further tomorrow since its night time already but I wanted you to also investigate.
Company Response:
State: TX
Zip: 75252
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a phone call today ( XX/XX/23 ) from an employee from XXXX XXXX inquiring about the checking account application I had completed online yesterday. I advised him that I did not apply for any bank account yesterday and that I currently have zero bank accounts open at this time. My last checking account was with XXXX and that account has been closed for nearly one year due to inactivity. He then informed me that after further investigation of my name, that I have five open bank accounts. He named Chase, JP Morgan , XXXX XXXX XXXX, but I can not remember the other bank names. Ive begun the process of correcting these fraudulent moves in my name and adding extra protection where needed.
Company Response:
State: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I am writing to inform you about a dispute involving a banking institution that requires your assistance. I seek your guidance and intervention in resolving the matter expeditiously. On XX/XX/2023, I had an unfortunate experience with Chase Bank, which has prompted me to bring this issue to your attention. The incident in question pertains to unauthorized charges on my account after payment was rendered in cash to a business. I provided proof to Chase bank that this transaction was paid in cash, and my debit card should have not been charged double. This situation has caused significant inconvenience and financial hardship, compelling me to seek a resolution through your esteemed organization. Despite my repeated attempts to address this matter directly with the bank, I have not received a satisfactory response or a timely resolution. I firmly believe that my concerns have not been adequately acknowledged nor diligently investigated by Chase Bank. Therefore, I kindly request your intervention to ensure a fair and impartial review of the situation. To provide you with a comprehensive understanding of the issue, I have enclosed the necessary supporting documentation, including copies of relevant bank statements, communication records, and any other pertinent documents that will aid in a thorough examination. I trust this information will assist in a prompt and fair assessment of the matter. Given the circumstances, I kindly request your immediate attention to this dispute. I sincerely hope that your intervention will facilitate a fair and just resolution for all parties involved. I have confidence in the abilities and expertise of the Consumer Financial Protection Bureau ( CFPB ) in handling such issues, and I believe your intervention will restore trust and rectify the situation appropriately. Thank you for your time and consideration. Yours sincerely, XXXX XXXX
Company Response:
State: CT
Zip: 06902
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I purchased plane tickets through Chase Travel Rewards. The day before traveling, I realized that the name was incorrect on the ticket and wasn't my legal name. I called to change the name on my boarding pass on XX/XX/XXXX for a flight from XXXX to XXXX on XX/XX/XXXX. Chase Travel Rewards charged me the price of a new ticket, in addition to a {$50.00} name change fee. The original ticket cost me {$300.00}. The new ticket they forced me to purchase is {$630.00}. So, in order to update my name, so my ticket reflected my legal name, I had to pay a total of {$680.00}. All they were required to do was to update my record. I wasn't requesting any upgrades or anything else, just a change of name. This is a blatant abuse of power. If I had not changed my name on my ticket, I would not have been able to board my flight and return home. I didn't have the capacity to contest the charges at the time, because I just needed the change to be made, so that I could get home to my kid. I am writing to request a refund for the ticket that I was forced to buy, in order to get home using my correct name. A note : The other name Chase has me under is XXXX XXXX
Company Response:
State: CO
Zip: 80304
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I moved across country on XX/XX/XXXX. By the XXXX or XXXX I realized I had been significantly overcharged by XXXX XXXX. I contacted them on the XXXX or XXXX and was told they would make an adjustment once truck was returned. I had a trailer, truck, and cargo van. I then contacted my bank and filed a dispute. I was given credit. Today Im sent a notice telling me Im minus almost XXXX in my account, when I look to see why it says that a credit requested by budget ( there were multiple ) was canceled. XXXX never refunded my money and they never contacted me about this. This is unacceptable and basically allowing someone to steal money from me!
Company Response:
State: MO
Zip: 658XX
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Identity theft protection or other monitoring services
Subissue: Billing dispute for services
Consumer Complaint: Received another message that I have applied for Chase Credit Card in which I did not I have initiated a complaint previously. Now I have received another notification.
Company Response:
State: OH
Zip: 44105
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor maynot treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Company Response:
State: AL
Zip: 367XX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023, I noticed a slew of unauthorized transactions on my Chase checkings account to my XXXX account that was then routed to another XXXX account I have never interacted with. Upon noticing these transactions, I reached out to XXXX to open an investigation. XXXX concluded that the transactions were authorized and when asked to supply evidence proving this, they ignored my request. I then decided to contact my bank ( Chase ) to initial a chargeback for all the transactions totaling {$3300.00}. I disputed the transactions in increments and accumulated evidence along the way to prove my case. Timeline of events : 1. The first dispute was filed on XX/XX/2023 for {$220.00} transaction on XX/XX/2023. This was resolved on XX/XX/2023 in my favor. 2. The second dispute was file on XX/XX/2023 for {$350.00} ( XX/XX/2023 ), {$85.00} ( XX/XX/2023 ), {$900.00} ( XX/XX/2023 ), and {$600.00} ( XX/XX/2023 ). This dispute resulted in {$900.00} being found to be unauthorized and all other transactions deemed authorized by Chase. 3. The third dispute was filed on XXXX XXXX for {$180.00} and {$1000.00} transactions on XX/XX/2023. The dispute was resolved in favor of the merchant. On XX/XX/2023, I received a letter from Chase regarding the second dispute and their finding which prompted me to call Chase for an update on my claim and what I should do next. I was advised that the claim had not yet been finalized and I should provide any evidence I had as soon as possible. I visited Chase bank and faxed my evidence to prove that these transactions were unauthorized. After doing so I called Chase again to ask that a note be placed on my file indicating the submission of evidence to support my claims. In the same breath I asked the customer support agent what evidence was used to rule in my favor for the {$900.00} transaction but not the other transactions in the second dispute. I was told that she can not provide that information and I told her I have the right to know what evidence was provided by the merchant. She agreed and I was told that the merchant evidence showed that my name, email address and phone number were correct, but the billing address was incorrect. According to the agent, that was the only evidence submitted and was used against me and to support mewhich makes no sense. I asked the agent to mail me a copy of the evidence and was told it would arrive within 15 days. Important facts : On XX/XX/2023, I requested the evidence used to determine the claim be mailed to be and was told it would be delivered by mail in 15 days. It has not been delivered. On XX/XX/2023, I contacted Chase Support on XXXX to receive an update on my claims and was told all the claims were resolved in my favor which is evidently false. I was told the same thing when I called the Chase Claims department on the same day. On XX/XX/2023, I called Chase again to get an update on my claims and was told that the evidence I submitted on XX/XX/2023, was not received and attached to all claims although I have a form stating that the evidence was faxed to the right department. Nonetheless, I visited Chase Bank again to resubmit my evidence. I also asked when the merchants evidence would be mailed to me and was told that the initial request was never made and now I have to wait another 15 days to get the evidence. Most importantly, because of inaccurate information and delays in receiving and attaching my evidence, the deadline to refile my claims has passed. On XXXX XXXX, I called Chase again to confirm that they received my evidence and was told that it was not assigned to some of my claims, and I would have to resubmit them again. This prompted me to message Chase through their mobile app which I received confirmation that the evidence was received and will be attached to my claims. Main issues : XXXX. XXXX claimed to have investigated the issue but have not provided any evidence to support this. I followed up with them and was ignored when asked if my claim was being investigated. XXXX. Chase has not provided the evidence used to resolve my disputes in the merchants favor and based on what I was told by the customer support representative, it seems unlikely how the same evidence can be used to rule in my favor and against me at the same time. Moreover, transactions can not be authorized if the billing address does not match the card holders information. And these specific transactions were not online where a billing address would be required in the first instance thus making the evidence redundant. XXXX. Chase had given me conflicting information regarding my claims leaving me to believe that a thorough investigation was not done especially since the merchant submitted the same information for all claims and that was used to rule in my favor and against me when the nature of my transactions remained the same. I was told that they claims were resolved in my favor only to later learn that was not the case and no one is taking responsibility for the inaccurate information. XXXX. Neither XXXX nor Chase has proof that I authorized these transactions and are withholding information regarding how they came to the decision that my claims were wrong. Also, Chase can not confirm whether or not they reviewed my evidence owing to when they received it and attached it to my claims and then resolved the dispute. I have attached evidence showing that my XXXX was compromised along with proof that I could not authorize these transactions due to when I was using my bank mobile app. I have also attached the evidence I sent to Chase.
Company Response:
State: FL
Zip: 33431
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a 0 % balance transfer and I keep making payment well over the minimum balance and any new charge balance and Chase is not applying it to the balance with an interest rate but applying it to the 0 % balance transfer. They told me there is no way for me to apply my payment to specific balances.
Company Response:
State: NJ
Zip: 08844
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I opened my Chase Sapphire XXXX credit card ( XXXX ) and paid my Annual Fee of {$95.00} on XX/XX/2022. Chase closed my account without reason shortly after ( less than a year ). I requested my annual fee back and they refused.
Company Response:
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A