Date Received: 2023-07-03
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Chase bank closed my account XX/XX/XXXX, I was a customer with them since XXXX never once had a late payment. There was no reason to have closed my account. I did inquire why they said because my debit to ratio was too high. It was all in one day all my my credit card were closing. In XXXX was in the hospital for three weeks and I also never received a statement from them in XXXX. There was something wrong with my address all my mail was being foward some were. I did let chase know that I file a police report about that. I had to pay for a XXXX XXXX . I did ask them since I was never late before on any of my bills due to the circumstances of me being in the hospital can they wave my XXXX payment not being late and fix it with the credit bureaus. I also file. A dispute with the credit bureau many times as well. In XXXX I paid off the credit card. Chase told me XXXX cant get back the credit I will not be able to. I am one that max out my cards things always come up I am single mom but I make big lump some payments. Chase closed my card for no reason this ruin my credit
Company Response:
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I received United Explorer Card application invitation with XXXX bonus miles with XXXX intro annual fee ( see attached mailer to me with my name and address included ). After that, I logged in to my Chase account, and see a pre-approved United Explorer Card, so I applied it. I then realized that I was tricked by Chase, because the pre-approved United Explorer Card offer presented to me was only XXXX bonus miles with XXXX intro annual fee. Effectively I lost XXXX bonus miles from the original paper application invitation offer. The only reason I considered the pre-approved offer via Chase account was because I thought it was the same as what I received in the mail, but it was in fact XXXX bonus point less. I have received the XXXX points from Chase, I am filing this complaint on the confusing marketing efforts and shows different offers across different channels, which eventually led to unfavorable treatment to me ( as a consumer ). Therefore, I would like to request Chase to grant me the additional XXXX bonus points to make sure that i can receive XXXX points in total which matches the original mailer piece.
Company Response:
State: IL
Zip: 60089
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Other transaction problem
Subissue:
Consumer Complaint: Money was sent from Chase bank to XXXX to make a payment on a XXXX credit card using Chase online bill pay services. The payment was sent on XX/XX/XXXX in the amount of XXXXXXXX XXXX and XX/XX/XXXX in the amount of XXXX XXXX The payments made did not go to the correct account number at XXXX and they claim that the money was sent back to Chase on the day it was received. Chase claims that they have never received the money back and it has not been deposited into my account. I have spent 20 plus hours dealing with both companies and neither of them can tell me where my money is at. XXXX is claiming that it could be the third party processor of chase that has the money but again Chase does not have the money.
Company Response:
State: NY
Zip: 14618
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XXXX, I was going to lease a house and wired a security deposit and first//last month rent to XXXX XXXX XXXX via my XXXX XXXX XXXXXXXX account to a Chase Account . I signed the lease agreement and the property was never made available. upon finding out the property was not available and realizing it was a scam I contacted Bank XXXX XXXX and filed a fraud claim on XXXX. I provided Bank XXXX XXXX with all the documents I received, lease agreement, information on the person that put the property for lease and all their bank information. XXXX XXXX XXXX initiated a fraud claim. I constantly called to get updates and XXXX XXXX XXXX check and fraud department wound tell me that they needed to extend the investigation. After months of not hearing from them I called on XXXX and spoke to XXXX in the Check and Fraud Department and she XXXX XXXX XXXX XXXX case was closed and my funds were not recovered. XXXX XXXX XXXX never sent me any notice or kept updated on the investigation. Amount lost : {$11000.00} Claim Number : XXXX On XXXX XXXX XXXX I was contacted by XXXX XXXX Resolution Specialist at XXXXXXXX XXXX XXXXXXXX XXXX She told me XXXX XXXX XXXX is not going to get my money back from Chase bank. She stated I can call Chase Bank and ask for my money back. I contacted Chase Bank and was told these claims are handle bank to bank. I was told by Chase bank I can not do anything and to have my bank contact Chase Bank. XXXX XXXX XXXXXXXX is giving me inaccurate information in an effort to circumvent returning my money and closing my claim. XXXX XXXX XXXXXXXX is blaming Chase bank for not returning the money.
Company Response:
State: CA
Zip: 90621
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 around XXXX XXXX MT, I received a call from XXXX. The number showed up as " Chase Bank '' on my phone. The woman stated there were two unauthorized transactions on my account and she was going to issue a new debit card. She then asked for a verification code and instructed me to hit " yes '' on my phone when prompted by the Chase messaging system, which I did. After this occurred, seven {$60.00} transactions were taken out of my checking account and five separate {$60.00} transactions were taken out of my savings. When I called Chase Bank to see why these ones weren't flagged, I only then learned the woman before was a scam and had tricked me into both offering a code and writing " yes '' on my phone which allowed access to what someone at Chase called my " digital wallet. '' I felt stupid but it was the reality of what happened. Chase issued me a temporary credit and then notified me on XX/XX/XXXX that they were rescinding the credits on XX/XX/XXXX because they found the transactions were, in fact, " authorized. '' I called Chase Bank on XX/XX/XXXX around XXXX XXXX MT and spoke with two different individuals. They didn't explain why the investigation found me guilty other than " the device was consistent with the transaction, '' which I assume means the the fact that the scammers tricked me by using the Chase text system to get me to issue a code from my cell phone. When I told them this was a fraud victim scenario, I was dismissed ( I was actually told by the first person " no, this isn't fraud '' ), and told there are no other options and that I could not speak to anyone on the investigations side since the decision was final. Even though they told me there are " case by case '' decisions, they told me " regulations require us to do it this way. '' On top of this, I've sent three messages to Chase through the secure message center, but only one has been responded to, which told me to call the same people I spoke with the first time. I'm not really getting any clear information from Chase about what rights I have. I understand I played a role in the scam I was a victim of, but I would be surprised that Chase Bank offers no fraud protection for these scenarios for its customers. Is this really true? Thank you!
Company Response:
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was offered a job on XX/XX/2023 as a remote clerical assistant from a company called XXXX XXXX XXXX XXXX. I received an email, and underwent through an interview that same day. The interviewer asked me to install an app on my phone called XXXX, which works like XXXX, however, we did not call during this interview, and chatted through text instead. The interviewer 's name, although is most likely a facade/pseudonym was XXXX XXXX XXXX The number I needed to use in order to contact/add her was XXXX XXXX XXXX, however, the number is not registered. She talked me through the process, and what my duties were to be, and after consideration, I was hired onto the team. I was sent a link to their site, and was promised a high compromise in pay between {$21.00} and {$25.00}. She would then tell me I would need very specific hardware, like an XXXX XXXX, a printer, a desk, software -- very necessary things in order to do such a job. There was an odd one she mentioned, like a " XXXX XXXX bar-code printer and cards ''. Of course, I didn't have all of these, and assumed she would be sending this equipment, but she instead told me she would be sending me a check for {$6600.00} in order to buy the necessary equipment, as well as an included {$250.00} sign on bonus. The check was mailed out on Tuesday, XX/XX/2023, and arrived the next day on Wednesday, XX/XX/2023 via XXXX. As a matter of fact, I still have the letter the check came in. I deposited the check on the day it arrived after work, with the full amount of {$6600.00} being in my account the next day on Thursday, XX/XX/2023. From here, I was told by XXXX I would be purchasing equipment from several company authorized vendors, as she stated I would be getting custom equipment with my, and the company 's name on them. The first transaction was going to be sent to a XXXX XXXX XXXX via XXXX for {$1500.00}. This would be done through her email of XXXX. Through my bank, as Chase is partnered with XXXX, I could not send more than {$500.00} to new/unknown recipients. I informed XXXX this would be an issue, and sent the money. Chase called me quickly thereafter to inform me, and confirm that I would like this payment to go through. I agreed, letting them know this was for a new remote job opportunity I was currently engaging in. I asked XXXX if she would confirm with XXXX that she got the money, but she told me to disregard the payment, since they 'wanted me to start as soon as possible ', and would instead request me to withdraw {$5800.00} in cash in order to mail to their approved vendors. At this point, as my mom is a banker who was helping me through this, advised me that no legitimate company deals in cash through transactions. By this point, I caught onto the scam, and called her out, saying it was awfully fish, and very scam-like that I would need to send cash to a business. She quickly turned face, and gave me a sob story of being XXXX, and how transparent she was during the entire process. I did not hear back from XXXX after this day ( Thursday XX/XX/2023 ). Once I was home from work, I looked up the business, and attempted to call the number that popped up on XXXX, but was instead met with a man who only spoke XXXX. I tried calling XXXX, but as previously stated, the number simply isn't registered. I then contacted XXXX XXXX through the email I was given, and began to talk to her. Unfortunately, she was also victim to this scam, and used my {$500.00} she received to send to a bitcoin address, as she was also promised a job offer. However, like I had told her, I was demanding my money back, since it was my money that she used during this scam. She told me, the scammers are the ones who owe me money, but as I kept telling her, she was using my own money, and therefore, she owes me {$500.00}. Unfortunately, however, Chase has denied this request of refund on the grounds that I have approved/authorized the payment through XXXX, despite not only the evidence of a fraudulent check being processed, and returned, but even notifying one of the employees physically at my local branch. I have also filed a report with the FBI, FTC, and even the banking commission in order to receive the money lost.
Company Response:
State: TX
Zip: 76137
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I received an email about a card being shipped out to me but I didnt order card. I called chase bank about the email and he basically said that it was system generated and everything is okay. Few days later I check my account and money was missing, I called the bank and filed a claim about the missing money. They credited me the money but took it back because they said the transaction was authorized and it resulted in my account being overdrawn. They wont give me my money back
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/, I purchased a XXXX XXXX XXXX through Amazon on an 18-month equal pay agreement, using the Chase Amazon card associated with my Amazon account . I have been making weekly payments on it, and it should have been paid off by now. It is not. Since they do not send me paper bills, and I do not find my bank 's website at all easy to navigate, it took me until last week to find out that the reason it is not paid off is because they have charged me monthly interest in violation of their terms and conditions of the purchase. I tried to contact Amazon, and they disclaim all responsibility, saying it was up to the seller, XXXX XXXX, to initiate these terms and conditions. XXXX XXXX does not reply to any attempts to contact them. Chase Bank and Amazon both say I was never enrolled in such a program. Interestingly, I have their Terms and Conditions which say I was. Chase Bank provided me with the phone number for Amazon 's customer service, which Amazon refused to give me. They say I would have had to have fixed this in XXXX XXXX, before I even had an opportunity to know what was happening, and since I didn't, there is no agreement. I complained to the XXXX more than a week ago, and they have not responded. Meanwhile, Chase Bank and Amazon have stolen a couple of hundred dollars from me by refusing to comply with the terms and conditions of their agreement.
Company Response:
State: KY
Zip: 40291
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX there was a fraud charge on my debit card in California. I discovered it in the next morning at work when I needed to transfer money to my second checking account. My account was negative and immediately looked to see how. Chase had a problem that day with XXXX and doubled my rent payment to my landlord, then I saw a charge for XXXX to after looking up the merchant ID belonged to an electric company in California. I called the fraud line and reported both issues, the XXXX charge was opened for investigation and then after being transferred to the XXXX issue department was told that it was an error and was affecting multiple people and it would be resolved. I ended having both issues resolved over the next 1-2 days or so I thought. About a couple of weeks later I again open my chase app to see money has been pulled. I look and it is a fee reversal for XXXX. Chase had reversed the money back so I quickly called to find out what had happened. The rep had told me that the chip was used with my pin and therefore I made the charge. I told them that it was impossible as I live in Nevada and have no places in California nor have I ever paid this electric company before. She then says I am sorry you can not accept this. Accept this? You are telling me someone stole my money but because it looks as though I somehow did it oh well? I proceed to get off the phone with her and call this electric company. I explain to them the situation and try to get information on who used it. They said I do not have an account with them and therefore can not be given any information. I asked if there is anything they could do or provide and they said no and to report it to the police. I live in Nevada what is police over here going to do about someone in California? I call the fraud line again and a gentleman answers and is very helpful. I explain that I work and have to clock in as well as going to dinner the day the transaction was posted so how could I be two places at once with my card? He said if I was able to provide proof that it could be reopened and the odds would be in my favor. This is on a Thursday. So the next day I print out my time card from work and go to the restaurant to get a copy of my receipt. I proceed to go to XXXX and have all the documents with my claim number on them faxed. I call the fraud call again afterwards and let them know I had submitted the documents. They told me to wait until at least Friday the following week. I called them Thursday the day before the Friday and they said they received my claim and they it was sufficient enough to submit the claim to reopen. I called them on Tuesday the next week and they said it was still awaiting to be reopened. I waited till today, Monday XX/XX/XXXX. Now over a month later of dealing with this I was never treated worse. I speak to the rep who was kind and tried what she could to help me. I asked for a supervisor who told me her name is XXXX. XXXX had explained the same information about the chip and pin so therefore it was me. I explained that it was not and that I have never made a payment to this electric company nor do I live in California. I proceeded to ask what could I provide to proof I was here with the card when the payment was made in California. She told me that to not go back and forth and waste my time to have a good day and abruptly hung up on me. I have been with chase for 10 years. Since before I graduated high school. I have never been treated this way and it was completely unacceptable. I don't make a lot of money I am paycheck to paycheck and for XXXX to be taken from me has completely put me behind on my own bills. I am now late on rent as I scramble to come up with the money and work something out with my landlord over this issue. I am defeated and disgusted by how chase representatives treated me. Especially a supervisor no less. I want this issue resolved and then I will be closing every account I have with Chase. This has affected my life greatly and not XXXX care in the world from people who should be helping me the most. I did what I was supposed to do, I saw fraud, I reported, I've called and been attentive, I provided documentation, and yet I am the one who suffers. Not the person who stole my money and used it to pay their bill. But me and I am treated poorly for it on top of that? How any organization could operate like that is beyond me. I hope no one ever is treated this way and to never stop fighting even when you feel hopeless.
Company Response:
State: NV
Zip: 89012
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: A XXXX representative called me with phone # XXXX on XXXX XXXX. Saying somebody was trying to purchase an XXXX XXXX XXXX XXXX on my XXXX account. So he told me, he had to change my old account and reopen a new one because this account is being compromised. Of course I believed him, thanI received an email and a text from him the XXXX to verify my account. They Send me my bill and send me a 2 REFUND CODE ( XXXX & XXXX ) on my email address thats XXXX has on file this # XXXX under XXXX XXXX. long story short. The code they sent to my email ended up being XXXX & XXXX. I have the emails as proof. Ive filed a claim with Chase bank claim # XXXX. They denied my claim on XXXX XXXX. With a letter stating No action will be taken. This inquiry is now resolved. Was advice from Chase claims dept to contact XXXX. Ive called XXXX 3 times they will not connected me to a fraud dept,, bc its not concerned a fraud. This is a back and forth situation. No one seems to want to help me. Ive lost {$990.00}. I am a XXXX person who receives 1 check a month. This inquiry is now resolved. Was advice from Chase claims dept to contact XXXX. Ive called XXXX 3 times they will not connected me to a fraud dept,, bc its not concerned a fraud. This is a back and forth situation. No one seems to want to help me. Ive lost {$990.00}. I am a XXXX person who receives 1 check a month.
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A