Date Received: 2023-07-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have recently submitted a complaint regarding We Pay merchant services through Chase bank. That issue involved holding funds for 120 days for an unknown reason and shutting down our credit card XXXX account for an unknown reason, without responsiveness. That issue was resolved. However, we did not receive our most recent credit card deposit batch. I received no notice or information as to why. I sent a support ticket in and was told by two different Chase support staff that the transactions couldn't be located, even after I sent screenshots of the transactions. After calling several times and being on hold for extended periods of time, I was told that the transactions were located but are being held for five days. No explanation was given and no offer to assist me further was provided. Funds are withheld from our small business without notice or explanation. On any given day, we do not know if we will receive funds or if they will be withheld for extended periods of time. It is nearly impossible to operate under these conditions. The inability to connect with the We Pay service by phone makes resolving issues very difficult. The general Chase customer service line is unable to address issues related to We Pay and only provides generic responses to inquiries. No actual support is provided. We Pay is not responsive to requests for support by email or through their chat feature support.
Company Response:
State: OH
Zip: 44039
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XXXX I have conducted the payment in the amount of XXXX XXXX from my account with XXXX to account of XXXX XXXX XXXX XXXX XXXX XXXX opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXXXXXX XXXXXXXX XXXX was designated under the Executive Order 14024. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to OFAC. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to XXXX for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, OFAC may not locate the records of the blocked payment. On XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXX XXXX asking them to clarify if the payment was blocked and reported to OFAC and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had XXXX chase accounts and my account was being garnished for a debt which was on my personal account. Following that I had deposited a check from my car insurance for car repairs in the amount of about {$2100.00} from XXXX. The check cleared and chase froze and closed my joint account. Following that my personal account was cleared for garnishment and and I have a total of {$380.00} of my personal money that I can not access. Chase has tried to get signatures for the check from my lender by calling and the lender will not answer my car is no longer in my possession due to repo and I explained that to both XXXX and chase no one will budge and give me my funds. This has gone on long enough. Ive complained before got a case number and still have yet to hear anything back from anyone
Company Response:
State: NY
Zip: 10550
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting Act, XXXX Account # XXXX XXXX ( XXXX XXXX ), XXXX XXXX ( XXXX XXXXXXXX ), XXXX ( XXXX ), XXXX ( JPMCB ), XXXX ( JPMCB ) has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer card plan as late for any purpose.
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I went away last year from XXXX to XXXX my daughter said her and her babies father would stay here for the month I was away when I got home I couldnt believe what my house looked like they broke my oven, my sofa, and my over {$2000.00} bed I have 300 photos of everything they even pried open a 30 year old concrete safe they took all of my money it was thousands they took the tenant upstairs security money and they took a kids bank thst I save for their children for over 5 years it had to be over {$4000.00} I only put in there silver coins and bills finally he got a hold of my old cell phone and XXXX himself {$5000.00} and XXXX yo someone named XXXX {$2000.00} later the chase bank vice president helped me and told me the account owner od the XXXX XXXX XXXX XXXX I wrote a letter to the OCC also I cant believe after a year of sending tons of documents the lady says on the phone we believe you with the evidence you sent I but the problem is that the {$7000.00} is gone where do we get it from?? I said a huge corporation isnt insured for a lossy {$7000.00}?? They said no so this is why Im writing to your company trying to get help they besides stealing all my money also XXXX {$7000.00} to them self please help me because the police all I ever hear is we cant do anything about this this is UNBELIEVABLE I hope you can help me the notes I have said I was going to get free access to me via email but I have not received it yet PLEASE HELP ME THANK YOU
Company Response:
State: NY
Zip: 110XX
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
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: XXXX XX/XX/23 : Reached out to XXXX from this website : XXXX XXXX XXXX XXXX To try to change my reservation asap. Company also calls themselves " XXXX XXXX ''. They claim on their website that " You can easily talk to someone at XXXX by simply dialing the XXXX XXXX phone number XXXX ( toll-free ) ''. But that is not XXXX airlines actual phone number. Their information on the website is misleading. I paid {$690.00} through a link they sent me via email. XX/XX/23 : XXXX answered and told me that the reservation had been confirmed and will take up to 24 hours, but it still didnt come even after 24 hours. XX/XX/23 : XXXX XXXX, Tickets has been changed and issued please check on the XXXX XXXX as well as on the website and we have shared the details via Text message as well. XX/XX/23 @ XXXX XXXX : Never got the new reservation via text, app, or website. So I decided to wait a little bit more. XX/XX/23 @ XXXX XXXX : XXXX XXXX rep called asking me if I had my uncle call them for a change of ticket. I told them no and the agent told me that she got a weird phone call from an XXXX voiced male stating that he was my uncle and wanted to change my ticket. I am XXXX and do not have an XXXX uncle. The XXXX airline agent thought of this action to be suspicious so she gave me a call to confirm. XXXX XXXX sent me the itinerary file where it shows that the date did not changed to XX/XX/XXXX. It was still same as XX/XX/XXXX. She told me that I needed to pay {$290.00} to actually change it because the flight was not changed and told me to report the charge as a fraud to my bank because I technically did not receive the service as the itinerary did not change. If XXXX actually changed it, then the date shouldve been XX/XX/XXXX. Not XX/XX/XXXX. XX/XX/23 @ XXXX XXXX : Once I decided and paid {$290.00} with the Chase Unlimited Freedom Card, the XXXX XXXX rep then sent me the actual, new, changed itinerary in real time. I can not pay for something I never got the service for. If XXXX or the third party actually changed my departure date and offered the services as they said they did, why would I pay additional {$290.00} to XXXX XXXX to get it changed?
Company Response:
State: CA
Zip: 90004
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: To Whom It May Concern, I am writing regarding fraudulent bait and switch tactics of Marriott and Chase regarding the Marriott Bonvoy " BOUNDLESS '' credit card. I recently applied for the card based on the advertisements that I saw online. When I went to apply, the offers kept changing. I wanted the offer that had {$300.00} instant credit from Marriott, plus up to XXXX points after spending {$3000.00} in the first six months. After I was approved for the card, I continued to see the promotion for the {$300.00} credit. I tried to apply again, but was denied ( likely because I had just been approved ). To this day, I continue to see promotional ads in my Marriott account about the {$300.00} credit, but when I click on that link, it goes to a different offer. See attached screen shots, including that when the offer is clicked, it changes to a different offer. At this time, I have not received a {$300.00} credit. I have called Marriott and Chase several times, and each company just points to the other party as the one responsible for the deceptive advertising. Each one says they have no ability to give the credit. I am still seeing the promotion for the {$300.00} credit all over the Marriott website, including on the home page and also when I log into my account. This is after I have notified both Marriott and Chase that the deceptive add is still being used and there is some pretty massive fraud and legal exposure. TO THIS DAY, I AM PROMOTED WITH THE {$300.00} OFFER, AND THEN WHEN I CLICK ON IT, IT IS A DIFFERENT OFFER. I have called both Chase and Marriott at least two times, and they do not seem to understand, or take seriously, the ongoing fraud. Damages for fraud are treble, so I'd like a credit to my account of {$900.00}. I'm copying various enforcement authorities to look into this, including reporting to the CA AG, CPFB, XXXX, etc. XXXX XXXX, XXXX. XXXX XXXX
Company Response:
State: CA
Zip: 94903
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I got a notification from XXXX that my credit score went down significantly. Then noticed that there was a JP Morgan Chase credit card listed in my credit score that was opened in XX/XX/2022, that was not me. I only have an XXXX XXXX and a XXXX XXXX XXXX debit card. I have never had an account with JP Morgan.
Company Response:
State: CA
Zip: 904XX
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I was offered a discount on airline tickets if I opened/applied for their credit card, which I did, then received a discount as advertised. I used the account only once to purchase the tickets, paid the whole balance on 1st bill, then never used the card again. Many months later the account was charged an undisclosed membership fee which when I received the initial statements showing the fee charged to the card I ignored unopened because I knew I had not used the card and the number of legitimate bills I pay monthly are overwhelming to me to deal with as it is. When I finally opened their bill and saw a balance I called and they disclosed it was the membership fee with now late charges and interest. I explained the situation to the rep and I was told the charges would be removed and the account closed. The following month I again received a bill showing a balance with the fee not removed. I called again and again was told the balance would be removed. The next month I again received a bill for the fee. I again called and was told by the rep she could not remove the fee, only the interest so she transferred me to another rep to get the fee removed. This rep told me I had to pay the fee regardless because I waited to initially dispute the charge. They continue to bill me and add interest and late fees and theyre now trashing my credit rating. Ive spent hours on the phone with them already and I feel the charge is bogus and I should not have to pay it.
Company Response:
State: PA
Zip: 17225
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX XXXX I was contacted by Chase about attempted fraudulent transactions that I didn't authorize during the call the Chase rep sent codes to my phone and somehow retrieved these codes and opened opened an XXXX XXXX account with an XXXX. I received the call at XXXX and these codes came to my phone at XXXX I never requested any codes and never authorized anyone to debit my account. The caller was a Chase Representative because the initial call is logged in their system. I have contacted their fraud department and was told I assisted in being defrauded and I won't be refunded. These debits came from account transfers.
Company Response:
State: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A