Date Received: 2024-01-02
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I received an email from a credit monitoring service that a XXXX inquiry was blocked, because my credit report is frozen. " If this doesn't look familiar, it could mean someone tried to open an account in your name. '' When I reviewed my credit report, I didn't see any negative activity, so I contacted the credit monitoring company and spoke with a XXXX who told me that there was nothing that was reported about a hard inquiry and provided me the number to the credit bureaus to discuss it with them. I had the freezes already placed on my credit reports with XXXX XXXX services. I am an existing customer with the company in question, so I checked my account and nothing had changed there. The next day I received an email from the company in question to call them about my credit application. Because of the time, I wait to speak to someone the next day to tell them I did not submit a credit application. I was told that a fraud alert who be sent out on my behalf with there apologies and offering to pay any costs associated with this error. I checked my credit report over the phone and I received a message that a fraud alert was on the account. Today I received another emailed from the company in question stating they posted a new notice or letter in my account and encouraged me to read the XXXX page letter in its entirety. I tried to call the company in question to get more information, but they are closed. I am being directed to take action to protect my personal information : contact the FTC for advice, add XXXX and XXXX alerts with the XXXX credit bureaus, notify all of my banks and financial companies, review my credit reports carefully, file a police report, report any issues with my mail, and close any fraudulently opened or changed accounts. In order for me to get the details from the fake application I have to send in proof of identity and FTC report numbers and Theft XXXX and XXXX XXXX from the company in question. This request must be mailed in writing. Questions asking me how was my identity XXXX ; that is a mystery to me and I XXXX curious to find out.
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XXXX of XXXX I sent Chase my negotiable instrument in the form of the coupon that was attached to the statement that they had sent me. I wrote the amount in the Box in number form on a letter form dated it and indorsed it. The amounts for {$2000.00}. In XXXX I sent them another one for the same amount in the same way a couple days after I sent it they sent me a letter regarding the first negotiable instrument sent in on XXXX stating that it could not be accepted because of the card agreement. When I called them I tried to explain to them that their agreement is not a contract and does not supersede United States code and to cfrs definition for negotiable instrument. They never returned my securities or sent proof of destruction of said securities. I informed them since that I attempted to make payment and they would not accept it. The payment was atempted on my part and should be either accepted or canceled according to the law. I proceeded to call me everyday for payment and then after some time canceled my account and I believe sent me to collections and doing so has now destroyed my credit report. All payments have been made using certified return receipt mail and I have pictures of all securities and have the receipts for the mail.
Company Response:
State: SC
Zip: 297XX
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I received notification from the credit reporting agencies about an inquiry on my credit around XX/XX/XXXX XXXX that credit was denied via JPMCB. I contacted JPMCB on XX/XX/23 at XXXX XXXX and spoke to representative concerning the fact that I never applied for any credit with them. The representative stated that the credit bureau will contact me and to give the hard inquiry 30-60 days to be removed. On XX/XX/2023 at XXXX XXXX I spoke to another JPMCB representative who stated for me to wait another 30 days for the hard inquiry to be removed. On XX/XX/2023 at XXXX XXXX I contacted JPMCB and spoke to representative by the name of XXXX who gave me the following phone number to contact the fraud department ( XXXX ). I contacted that number and spoke with XXXX who transferred me to the Fraud department where I began speaking with XXXX. I explained to XXXX that I did not apply for a credit card through their company and that later in the week while at my dentist office I applied for XXXX XXXX but not JPMCB. She proceeded to look up the information concerning the requested for a credit card but could only locate the information using I believe it was only my name not my SS number. She seemed hesitant and I ask how would they know if it was me because I would like know what type of identification information that they received to state it was me. She could not answer. I told that It was unfair practice for their company to assume that what little information was provided was from me. She stated that she will send request to the credit bureaus to remove the hard inquiry and in the mean time she stated they would send a letter to me as well as she directed me to their website to download their ID kit at chase.com. But the inquiry is still sitting on my report and seeing that someone tried to use what information they had on me and commit identity theft has left my credit report in limbo with something I did not request.
Company Response:
State: TX
Zip: 76028
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Bank would not cash a check that was endorsed by the bank.
Company Response:
State: NY
Zip: 140XX
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Called to have account re-instated from XXXX XXXX. account was set up improperly. XXXX XXXX used deceptive business practices to get me to join ach auto pay stating if I did a deposit of {$480.00} would not be billed to my account. I called back at a later time and found out the account was set up improperly and that account was supposed to be closed and ACH I was told was removed and another account was set up on the same location and all this was corrected ( as I was told ). Couple weeks later I discovered the money stolen from my account by XXXX XXXX in amount of {$480.00} and there were 2 accounts set up for the same apartment. 2 account numbers : XXXX XXXX I need refund plus I contacted Chase Bank to dispute the charge which was still pending. Chase Bank informed me in order to stop the charge from going through, I would have to pay a fee. Essentially this charge is theft and I should not have to pay a fee to a bank so they can stop a theft!
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX, Chase offered a promotion to transfer credit card points called 'Ultimate Reward ' points to a partner, XXXX XXXX XXXX and that they would add a 30 % bonus to it. These points have a cash value and are redeemable for flights ( and can be 'cashed out at XXXX cents per point ). I initiated the point transfer and was done on XX/XX/XXXX at XXXX PT ( you can see on the screenshots attached ). I also confirmed with the Chase agents over the phone 3 times that I did it in their promo window. The offer is also showing in the light blue box when I hit submit as well. I transferred a lot of points, but it's not enough for the flights I need so I feel like I'm getting stiffed by XXXX XXXX as I have points that I'm missing and the remainder I can't use when I did everything correct within the eligibility window. These points were worth $ XXXX on Chase and I wouldn't have transferred to VA if the promo wasn't shown as active ... and this whole experience feels very disingenuous. Date/Time of Incident : XX/XX/XXXX at XXXX PT Chase Points Transferred : XXXX Monetary Value of Points Transferred : {$1700.00} ( based on Chase Sapphire Reserve Cash Back ) XXXX XXXX XXXX to be received : XXXX XXXX XXXX Points actually received : XXXX Missing Points : XXXX Entities Involved : Chase Bank, XXXX XXXX, XXXX XXXX Actions Taken : 1. Reached Out to Chase Support on phone three times where they acknowledged the issue but insisted on XXXX XXXX to correct the issue. I have reached out to both parties up until XXXX XXXX XXXX. 2. Reach out to XXXX XXXX support on phone 2-3 times ( after each Chase call ) and was told they don't have the tools and that Chase is supposed to resolve this. 3. Reached out to both on XXXX on was either ignored or told that they'll consider the feedback and that they won't escalate to Marketing or anyone to get this resolved. 4. At this point, it's been more than a year and neither the correct points nor a resolution has been received.
Company Response:
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I asked my mother to make a payment to my credit card. My mom used Chase bank in XXXX XXXX ATM to make the payment with cash. Upon completing the transaction, she received a receipt saying that there was a problem with the deposit. Right away she went inside the bank and they informed her that they had the problem with the same ATM day before. ( Note : they failed to put up a sign that the ATM wasnt working. The sign was put up after that transaction and he still up until this day. ) we called the bank right away and provided all the information from that receipt and they told me that they will do an investigation and deposit the money into my credit card. The provisional credit was given however, the transaction was reversed couple days later, which resulted a negative amount on my credit card. The bank and they informed me that they had received a request to cancel that investigation. ( which was not done by me. ) in addition, they said that they would need the details again in order to reopen the investigation however, since the transaction was completed, I got rid of that paper so my mother went to the same branch today and spoke to the branch manager and she informed her that they have no control over ATM transactions. Im wondering when they ATM has collected the funds and they were over {$500.00} and I asked that to the branch manager and she confirmed that they shouldve reported that However, nobodys bothering to do anything. I do not have extra {$500.00} to waste
Company Response:
State: CA
Zip: 91001
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
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, XXXX of my credit cards were stolen from my locker at my local gym. My southwest rapid rewards card was fraudulently charged {$520.00} at XXXX XXXX XXXX and {$370.00} at The XXXX XXXX. I immediately reported it as fraud to Chase when I got the texts asking if they were fraudulent and they had canceled the transactions. Now today, I receive an email from Chase saying I am now responsible for the transactions because I received benefit from this transaction which is complete BS. I have another card that was stolen and used at a XXXX XXXX that same day and I got those funds refunded and canceled and I have no idea why Chase is deciding to be completely terrible about this situation. I should not be responsible for the $ XXXX fraudulently charged to my card.
Company Response:
State: TX
Zip: 78130
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In XXXX, I opened a credit card ( Chase ) for the company I worked for. I was in management and had the authority to open a credit card. In XXXXXXXX XXXX XXXX, I left the business and requested they remove me from all bank accounts and credit cards. In XXXX, I was told by Chase that the card had continued to be used by my former company and they had defaulted. The card had been used without my knowledge or authority for unauthorized purchases. I opened a fraud claim with Chase. They conducted an investigation and determined I was liable and this was not fraud. They have closed the investigation. I believe the bank has not conducted a thorough investigation for the following reasons : 1. I was told by two members of the fraud department that I needed to file a police report for the bank to conduct their investigation. That police investigation is still ongoing, yet the bank has closed their investigation. 2. The bank has not interviewed me to determine what happened nor asked for any information to be submitted. I have had to call multiple times to talk to operators who can only read from a script. 3. I spoke to the fraud department with the CEO of the company to discuss what happened. I was told to submit a police report from that conversation. I was then contacted by the same fraud department and told they had closed the investigation and they do not need a police report. 4. The bank continues to charge interest and try to collect payment from me. In addition, the credit card account does not list me as an authorized user of the credit card and the account has another employees email address as the primary user of the card. I had no ability to check this account when I originally inquired with the bank in XXXX when the credit card default was reported to the credit bureaus.
Company Response:
State: MI
Zip: 48348
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My Chase bank account was closed without any reason given. The bank representatives told me that the balance would be returned to me via check within 10 business days after the account closure. However, it has been over a month now, and I haven't received the check. The bank keeps telling me it's still under review but refuses to give me a definite timeframe. This money is crucial for me, and I'm unable to carry on with my normal life.
Company Response:
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A