Date Received: 2023-07-18
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 XXXX XXXX device from Amazon and decided to return it with another Amazon item, a cell phone cover. The order was delivered back to Amazon on XX/XX/XXXX, per a Supervisor I spoke with today, but they say that the XXXX was not in the package and requested that I return it or else they would reverse the refund. I've gone back and forth with them on the phone and now in email, letting them know that I do not have the XXXX, they have it. I can not return something I do not have. If there was a mix-up in the packaging, then both items would be in question, not just the XXXX Truth is, I did not mix them up. I've returned numerous items over the 10-plus years that I've been a prime member. I know what I'm doing. Plus, mix-up or not, they still should have both items. I had requested that they send back the packages so that I can review them and straighten them out if needed, but they won't do this either. They can not have both my money and the item, not fair.
Company Response:
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I authorized an online check payment on XX/XX/2022 to a business. The check was issued and mailed and someone forged the signature and cashed the check at another banking institution. I've completed all forms related to filing the claim multiple times. The Payee refuses to sign the affidavit but has indicated that they never received, signed nor cashed the check. My last conversation was with my bank Check who refuses to open the investigation because the payee will not sign their affidavit. Which I have zero control over. I am out {$1700.00} and Chase Bank refuses to assist because I can not get a signature from the intended payee on their affidavit. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Bank : JP Morgan Chase XXXX
Company Response:
State: FL
Zip: 34638
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: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Have a Chase Freedom credit card, been a longstanding good customer, make payments on time. 45 days ago my Limit was approx $ XXXX w/ $ XXXX outstanding, Chase cut the Limit to the outstanding balance of $ XXXX without any prior notice. I pay the outstanding balance in Full on XX/XX/23 ( {$7800.00} ) and have a XXXX balance with Available limit of $ XXXX. Then Chase cut the Limit in the past few days to $ XXXX without any prior Notice, only discovered when I tried to use card and was declined. I called Chase and they stated it's based on outstanding balance and their periodic review; however, this is false because my balance is XXXX, make all payments on time and have Low Credit Card Utilization Rate but is negatively impacted by Chase cutting by Credit Limit from $ XXXX to $ XXXX. This is abuse of power to customers to who pay there bills on time and then pay off the outstanding balance in full. Also called Chase XX/XX/23 to request my balance be reinstated ; they stated it would have to be a Hard pull ; this is hypocritical, Chase can reduce your credit limit based on a soft pull but can't reinstate it based on the same soft pull which was satisfactory to reduce the line. I spoke with XXXX - Business Lending Escalation, he stated there is tracking or ID number for the complaint I filed w/ Chase and no way to track it or receive and follow up or resolution. Chase is stating we cut your Limit and there's nothing you can do about it directly after I paid by balance in full to XXXX with account in good standing. It's abuse of power and completely taking advantage of the consumer who has done everything correctly!
Company Response:
State: FL
Zip: 32309
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: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: As per 15 U.S. Code 1681s2, 15 U.S.C. 1681b, this company ( CHASE ) JPMCB CARD SERVICES has violated my rights as a consumer the creditor has already filled as a loss/charge off and it isnt disputable debt it is now considered as income according to the IRS is taxable income and I havent yet received my 1099c
Company Response:
State: FL
Zip: 33127
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 on a mortgage
Subissue:
Consumer Complaint: I am a member of a credit union. I also have an associate who is a Mortgage broker. I decided to try to purchase a home for the 3rd time with JPMorgan Chase after Lending Advisor XXXX, insisted I qualified for a first-time buyers program called the XXXX in which I would receive a $ XXXX {$5500.00} grant ( {$5000.00} & {$500.00} for Buyers education course completion ). This is advertised on their website-without exclusions or other specified stipulations. Neither the credit union or the Mortgage broker could offer such an incentive. At the time of my application ( XX/XX/XXXX ) my credit scores were XXXX, XXXX, XXXX. I was told I was considered low income by the XXXX so the home qualified for the full {$5000.00} grant. The interest rate offered to me was 6.875 % on XX/XX/XXXX when I found a first home to place an offer. The discount points I was told to be purchased was 0.951 % at $ XXXX which would be deducted from the {$2500.00} being offered by Chase XXXX Due to an internal offer my offer was declined. On XX/XX/XXXX another home came up and I offered {$220000.00} over their asking price of {$210000.00}. On XX/XX/XXXX, my offer was accepted and I was told I would receive a Seller Credit ( on page XXXX the ratified contract ) of {$500.00} for a broken dishwasher in the home. However On XXXX XXXX I sent the {$2500.00} XXXX. On XX/XX/XXXX I received my first loan estimate- which now showed me paying in excess of {$5700.00} for 2.678 % of the loan amount to buy the interest rate down to 6.75 %. The closing costs exceeded my available funds and I reached out to XXXX for advisement. After discussion, she revised the Loan Estimate and on XX/XX/XXXX, sent me another Loan Estimate which showed me to pay {$7900.00} loan points at 3.299 % to bring the interest rate down to 6.5 %. Again, I was dismayed and consulted XXXX. With the 10-day financial contingency period coming to an end ( XX/XX/12 ) I texted and emailed XXXX that XXXX numbers were continually going up despite her assurance that they were being worked down. I began to panic as all the costs still reflected exceeding my budget. I asked my job for a raise and they granted it. I emailed XXXX and called between XXXX XXXX until she finally called me on XX/XX/XXXX to discuss. I continually asked her why I could not go without buying any interest rate points and just take the higher monthly payment until I could refinance with my credit union. I kept asking her to remove the points all together and send me a loan worksheet with the higher monthly fees. She refused. I told her that I could secure a conventional loan without the XXXX. I could not understand why this was being forced on me. I asked her flat out, if the numbers were being manipulated- why they were not being adjusted to come in at what I actually could afford or lower than the cash on hand. She finally let up and changed the amounts and sent me a loan estimate of showing I would pay {$7700.00} for 3.239 % of point deductions- making the interest rate 6.49 %. Fed up, I decided to get current rates from both my credit union and the Mortgage broker- who both informed me of the going rates being 6.875 % without points. They showed what they charged for each point and confirmed that what I was given was overcharged and underrecorded. The {$5500.00} incentive was not actually being applied to anything other than washing out imaginary points purchase that was not buying down the rate as represented. I was informed by XXXX that underwriting told her that I could not have the {$500.00} seller credit because it lowers my downpayment to under 3 % of the program required amount. However, they {$500.00} for the dishwasher was explained to be removed from the purchase price of {$220000.00}. I went to a Chase branch on XXXX XXXX the branch manager XXXX XXXX XXXX XXXX times before reaching her. I asked her again why I was being forced to buy points I could not afford, why she refused to address removing them altogether. She still sent me a closing disclosure that same day with me purchasing the loan points of {$4700.00} at 2.217 % but the interest rate at the original 6.875 %. I reached out to her manager XXXX XXXX on XXXX XXXX he called me back and told me that Chase could not lend comparable to the other Mortgage lenders. He said that I could cancel and offered no other solution as I was not going to receive the {$5500.00}. I went to the nearest Chase bank to remove all funds from my accounts and end the business relationship, when a very helpful employee decided to take a look at each document I had received and called an escalation. She spoke to XXXX XXXX and asked him each question I had. She received much clarification on my behalf and explained that the numbers were incorrect on the closing disclosure, that the {$5500.00} was not an actual amount I would receive towards closing costs or down payment as Chase was taking that amount. However, she asked XXXX XXXX why was it reflecting that I was purchasing points but not reflecting a lower comparable rate or the rate reflecting on Chase 's website. She had me email him the estimate and email of current rates from both my Credit Union and Mortgage Broker- which both matched a current rate of 6.875 % without points. He said he would review and then see what they can offer for me to make a decision. I see this as steering, predatory lending, price gouging, and dishonest practices.
Company Response:
State: VA
Zip: 22191
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: Managing an account
Subissue: Fee problem
Consumer Complaint: In XXXX 2020, I was a fraud victim. Chase replaced my accounts with new accounts. Chase set me up with a savings account that has a monthly fee of {$5.00}. I did not know this. I think they took advantage of my victimization to get me to sign up for something. The interest rate on this savings account is ZERO. ZERO PERCENT. Remember, we currently have the highest interest rates in recent memory, some banks are hitting 5 % interest. Who would ever want to sign up for a " savings '' account that has 0 % interest and charges a $ 5 monthly fee? Not me. This is unconscionable. Especially since they signed me up and changed my accounts after I was a fraud victim. This is a scam, this is theft. I asked them to reverse the fee, they reversed one for {$5.00}. If they do this to XXXX customers, they make $ XXXX a year off this.
Company Response:
State: CA
Zip: 92122
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with monetary relief
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: My mom returned a shoe on Amazon and she didnt get refunded after week so she decided to contact Amazon and spoke to a guy called XXXXXXXX XXXX. He told her to contact the last person she did a XXXX transaction with which was me, so he called after she told me he was gon na call and he started instructing me. He told me to put my phone on screen recording so he can see whats going on, he told me to transfer my money from both savings account and checking account to her XXXX XXXX so he can increase her limit, on my side it was saying failed so told me to do it through XXXX and apparently it went through but it didnt send to her, it went straight to him.
Company Response:
State: NY
Zip: 11208
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 credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing XXXX XXXX XXXX XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Company Response:
State: FL
Zip: 33055
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: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: I was a victim of identity theft and chase bank took my social security XXXX check over {$600.00} dollars and refuse to give it back
Company Response:
State: NY
Zip: 11101
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have a rental property located on XXXX XXXX in XXXX. Chase holds the mortgage on that property. Each month, the management company deposits funds for the mortgage payment into my personal account and then Chase automatically debits my account for the monthly payment. Yesterday ( XX/XX/XXXX ), Chase notified me that this personal account was overdrawn. This was because there were insufficient funds to cover the mortgage payment. However, the cause of the overdrawn account was because CHASE FAILED TO CREDIT THE PAYMENT MY MANAGEMENT COMPANY MADE to my account before the automatic withdrawal occurred. On XX/XX/XXXX, my management payment issued check number XXXX into my personal account. Chase had XXXX days to post the payment to my account before the automatic payment occurred, but they failed to do so. That check has STILL not cleared the bank as of today. The management company then went to the time and expense to reissue the check via wire transfer on the same day we became aware of the overdrawn account. Coincidentally, I recently made a different complaint to the COFB about the same problem- ie Chase regularly not posting payments made by a different management company of ours in relation to a different property. THIS PROBLEM APPEARS TO BE A SYSTEMATIC ISSUE WITHIN CHASE BANK AND NEEDS INVESTIGATION.
Company Response:
State: CA
Zip: 94404
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A