Date Received: 2023-07-17
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: CLAIM # XXXX XXXX Purchased jewelry while on vacation. XX/XX/ Reached out to merchant via e-mail requesting a pricing adjustment since the items were fake. No response received. XX/XX/ Filed a dispute with my credit card company. Had the items tested with a local jeweler and they were determined to be synthetic. XX/XX/ Received a letter from the credit card company stating that since the items were purchased in person and they didn't have a valid document to compare what we bought vs the jewelers determination. XXXX Spoke with the credit card company via phone. We discussed the fact that there would have been no way for me to determine that the items were fake just by looking at them in the store. I also pointed out that I did in fact provide the documentation showing what the merchant claims they sold me vs the jeweler 's statement that the items are synthetic. I was told that there is nothing else they can do because of time limitations. I filed the claim XX/XX/ and didn't get a reply until XXXX so I feel the credit card company worked time-line in the merchant 's favor.
Company Response:
State: GA
Zip: 30458
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
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 TRIP PACKAGE THRU XXXX XXXX FOR XXXX ON XX/XX/XXXX FOR A TRIP TO XXXX ON XXXX XXXX I DIDNT RECEIVE AN CONFIRMATION OF THE TRIP I CALLED CHASE CREDIT TO LET THEM KNOW I BELIEVE I WAS SCAMMED THEY STARTED A FRAUD/DISPUTE WHICH I NEVER HEARD BACK FROM CHASE OR XXXX XXXX I CALLED CHASED EVERY WEEK AND THEY KEPT SAYING THEY GON NA REACH OUT TO THE COMPANY TILL THIS TODAY THEY HAVENT GOTTEN ANY RESPOND FROM XXXX XXXX THEY KEEP CLOSING MY DISPUTED BUT THEY DONT KNOW WHY IT HAS BEEN CLOSED THEY HAVE GAVE ME XXXX DIFFERENT DISPUTE CASE NUMBERS.. WHICH THEY HAVENT EMAILED ME OR SHOWN NO CONCERN OF THE PROBLEM,, I SUBMITTED EVERYTHING THAT WAS ASKED OF ME AND YET IM STILL PAYING INTEREST RATE FOR A PRODUCT I NEVER RECEIVED, ,I CALLED THEM XX/XX/XXXX AND EXPLAINED I STILL HAVENT RECEIVED ANY CONFIRMATION AND I WAS TOLD CALL BACK AFTER THE DATE WHICH I DID XX/XX/XXXX AND THEY GAVE ME ANOTHER DISPUTE # SAYING IT HAS TO GO TO A SUPERVISOR I BEEN DEALING WITH THIS SINCE XXXX AND I REFUSE TO PAY FOR A TRIP THAT I HAVE NOT RECEIVED!!!!
Company Response:
State: PA
Zip: 19464
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: For years, I have been facing persistent issues with Chase Bank, but now I have reached my breaking point. Recently, I made an online clothing purchase using my bank account, only to find that the clothes didn't fit me properly. Consequently, I initiated a return process, which unexpectedly required me to pay for the return shipping. To my dismay, XXXX XXXX, the retailer, informed me that instead of a full refund to my bank account, they would only provide me with a store credit for half the purchase price. Expressing my dissatisfaction, I informed XXXX XXXX that I would no longer be conducting business with them, as it was unfair for me to bear the cost of my own return and not receive a complete refund. Seeking resolution, I escalated the matter with my bank, providing them with the necessary evidence. However, to my astonishment, my bank charged my account without conducting a thorough review, even though I had requested to speak with a supervisor. When I finally managed to speak with a supervisor named XXXX XXXX, she callously informed me that their decision was final and suggested that I pursue legal action in small claims court if I wanted my money back and hang up the phone. This is so disrespectful to me and my money I put in the bank. Disheartened by this dismissive response, I recall our conversation taking place on Monday, XX/XX/XXXX, between XXXX and XXXX XXXX. I am utterly exhausted by Chase Bank 's negligence in safeguarding my funds and their tendency to favor vendors over their own customers. This is precisely why I refrain from using cash, as it seems that people can be deceitful in various ways.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: While I was at work at XXXX XXXX XXXX XXXX, XXXX, IL XXXX, I received a call XXXX from a representative claiming to be from Chase Bank. The caller ID listed the number as CHASE and the number was for the branch ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ). The representative informed me that my card was charged for {$350.00} at a XXXX XXXX in XXXX, Georgia. The representative informed me that I was alerted because he is aware that I am in the XXXX area. I requested that the card be shut down immediately. The representative agreed and informed me that in the meantime, extra protection will be placed on my account until my new card arrives in the mail so that I will be able to still use my debit card. To initiate this service, the representative asked me for my PIN. I unwittingly gave the PIN to the representative and he then informed me that a one-time test transaction would be done to my account, and that I would be credited the money back within 24 hours. The representative thanked me and ended the call. Upon the sketchiness of the call, I recontacted the bank with the number provided few minutes later. A representative from the XXXX XXXX XXXX branch informed me that no one had contacted me. The representative then transferred me to the fraud dept. where I provided the info of the previous call. A few minutes later, XXXX ( XXXX ) ATM transactions in the amount of {$80.00} each ( total was {$1400.00} ) appeared on my savings bank account. It was reported that the ATM transactions were completed at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I also recontacted Chase fraud dept. after this activity and filed a claim. Both cards for checking and savings accounts were closed and new card numbers were issued. OnXX/XX/XXXX, I filed a fraud claim with Chase Bank and on XX/XX/, my claim was denied on the basis of lack of evidence. On XX/XX/, a police report has been filed with the XXXX Police Department
Company Response:
State: IL
Zip: 60645
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I would like to get the prorated portion of my {$520.00} credit card annual fee on my Chase United XXXX which I opened in XXXX and was closed at no fault of mine by the bank in XXXX. The accounts was closed by the bank with no wrong doing on my part. The fee included perks ( XXXX XXXX XXXX access ) that I will not be able to use as a result of the credit card being cancelled. The bank claims that it is non-refundable which I can understand if I was at fault or cancelled. As decribed in the paragraph below, I did everything I could to respond to their complaince department 's request. Not my fault that they are inneficient and mistreat their customers. Speaking with two different Chase branch managers, they confirm that this is a recurring problem with their complaince department but they have unrestricted power to do as they wish within the bank. At the bank 's request I filed a completed and signed XXXX form five times. 4 at the bank office and 1 via mail over a XXXX month period staring in XX/XX/2023 in response to the same form letter I kept receiving. The last submittal was on XX/XX/XXXX. I signed the form at the XXXX XXXX branch of the bank in front of a banker and provided a copy of my XXXX card. He confirmed via phone that their complaince department had received it. On Tuesday, XX/XX/XXXX all my accounts were closed including my Chase United credit card. Upon calling the bank, the compliance department confirmed that they had the form but had not had time to process it. The statement was ; " Nothing we can do, If you want to do business with the bank, go to your branch and open new accounts ''.
Company Response:
State: TX
Zip: 77095
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
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/2023 I made on-line purchase for {$420.00} for a XXXX bag using my Chase credit card ending in XXXX. The merchant online name was XXXX and it showed up on my account as XXXX. Initially nothing was received and I created an dispute with Chase using the Chase website. The merchant then sent me a fake item and informed Chased that an item was received but it was counterfeit. I was advised by Chase that I needed to close the first dispute because something was received and open a new one saying the item was counterfeit. I did this in writing, as required, and included a report that the item was counterfeit. Chase requested an additional and more detailed verification that the item was counterfeit and I pay for a new report with a company called XXXX XXXX to confirm it was counterfeit. After waiting over a month for Chase to review the new report I received a letter from Chase closing the dispute saying the transaction was valid. Confused, I call Chase again and asked for an explanation given the evidence I provided. I was told that Chase didn't even look at the reports and said I closed the dispute which is completely false.
Company Response:
State: CA
Zip: 920XX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have a checking account with Chase Bank in XXXX, CA. This is a Trust account which has been with the bank for many years. Recently bank requested trust documents for verification that I submitted. Bank restricted my account without any written explanation. My calls at customer service number did not yield any result. I requested the bank to send my money by check if they did not wish to have the Trust account any more. I am not getting the money, nor any explanation from the bank. Please help me resolve this ASAP. XXXX XXXX
Company Response:
State: CA
Zip: 94521
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have two hard inquiries, and I did not apply for anything or ask anyone to run my credit report
Company Response:
State: IL
Zip: 60637
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: The dispute is with Chase credit card for XXXX XXXX. That credit card account number was XXXX. On XX/XX/2022 I was charged XXXX at XXXX and on XX/XX/2022 I was charged XXXX at XXXX XXXX. Neither of these purchases did my wife or I make. I was unaware when the card was missing. A person unknown either removed the card from my home or copied it or used that information to make these fraudulent charges. I contacted the credit card company and they first asked me to submit a police report which I did. No result on investigation. They next asked that I contact the vendors who won't give me any proof that I made these purchases. The credit card company is steadfast in refusing to credit back these fraudulent charges. I have further details which I will give you if requested. I have a stellar credit history with no charges ever being brought against me XXXX XXXX
Company Response:
State: MD
Zip: 20854
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: JP Morgan Chase Bank Received email notification that Chase Freedom Unlimited card was applied for on XX/XX/23 Notified Chase bank who stated they will close the application and notify credit bureaus to remove the inquiry Notified XXXX, they stated they will process the dispute and identity theft claim
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A