Date Received: 2023-07-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I mailed XXXX remittance coupons ( over the course of a few months ) and they kept my remittance coupons but did not credit my account. The first XXXX were sent to XXXX XXXX, XXXX. The XXXX office acknowledged having received them ; did not return them ; yet did not process them. The next XXXX were sent to the payments processing center ( XXXX different credit cards x 2 months ). The next XXXX were sent to XXXX XXXX, XXXX. I have the tracking numbers and XXXX receipt. Some of the ones sent to XXXX XXXX, XXXX were new remittance coupons ; while some were copies of previous ones he and/or the payments center ignored. That's XXXX breaches of contracts, as I am the agent of behalf of the principal and I instructed them to credit the principal 's account yet they failed to perform. I informed them ( the first few times ) that they must credit my account whether they accept my coupon or not because as per UCC 3-603 ( b ) when tender of payment is refused, there is discharge. Therefore, they are in violation of UCC 3-603 ( b ) XXXX times. They have already acquiesced to this violation 3 times, by not responding to my letters in which I told them, " Failure to respond via affidavit is acquiescence. '' In addition, they have already acquiesced 3 times to following : - Violation of US Code 1601 ( transparency in consumer credit transactions ) - 12 CFR 1002 ( Equal Credit Opportunity Act ) ; - Securities fraud ; and - Trust fraud I gave them ample time to respond, stating in no uncertain terms that failure to respond is acquiescence. I offered them opportunity to request an extension. Yet they neither responded nor requested an extension.
Company Response:
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX, I attempted using my debit card to buy coffee at XXXX XXXXXXXX XXXX when my card declined. I went to attempt to login to my account to see what was up and immediately got an error logging in advising me to contact the fraud department as my account may have been compromised. I contacted the fraud department and was told my account would be closed and I would not be given a reason as to why it was closed. I was upset and attempted to plead with customer service to keep my account as I am a XXXX and the transactions on my account were valid and there had been no suspicious activity. The account in fact had a daily average of XXXX in there at all times. I was confused and went to multiple branches provided all my identity documents and employment information along with the checks deposited just to make sure that from my end everything was normal but the bank refused to change their stance of keeping my account open and had informed me I can not ever open a Chase account. I informed them that such a drastic response at least warranted a reason for this happening and I was declined that. I did not want to accept this fate but I had no choice so I had asked them to give me my funds. I was instructed that I can not withdraw the funds as the account is under review for closure. This is after they instructed me it is closed. I was told I can not take my money and go elsewhere until that review is completed which can take until XX/XX/XXXX. I am a XXXX who has to pay rent and find it not only unacceptable that I can not withdraw my funds after my account was closed and I can not be provided a valid reason as to why this is happening to me. I understand the security measures the bank has to take to ensure legit transactions but when a customer comes in to provide all the information needed & they still get the same disgusting resolution it is upsetting. I am not the only one confused at this as so have many branch bank employees that I have spoken with who attempted to help me as well but Chase has not only closed my account but held me hostage to receive my funds with rent being due at the end of the month. I am incredibly frustrated and have attempted to cold contact as many bank executives with Chase but to no avail.
Company Response:
State: OH
Zip: 43081
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Fraud or scam
Subissue:
Consumer Complaint: At the midnight of XX/XX/2023. My two accounts, both Chase and XXXX initiated XXXX payments of {$2000.00} and {$1500.00} respectively to a person named XXXX XXXX. I did not authorize this transaction and I asked the bank to reverse both transactions for me. Chase told me they conducted research and found the transaction was valid and therefore refused my claim. I do not agree with the conclusion and I want to fight for myself.
Company Response:
State: NY
Zip: 11220
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: On XX/XX/23, my husband and I were denied for a vehicle loan due to a delinquency we were not aware of with Chase Mortgage. We have a HELOC with Chase that had been on a Covid forbearance program. Prior to the forbearance, our account was on autopay. When we entered into the forbearance, the autopay was supposed to be suspended and the rep from Chase was supposed to enter in a date that the autopay would resume that would coincide with the end of the forbearance. Chase failed to do this properly. Instead, they cancelled the autopay completely which caused the account to go unpaid for about five months. The worse part is that Chase failed to provide proper notification that our account was delinquent. We are enrolled in paperless statements yet we received no correspondence indicating that the mortgage was at risk of foreclosure and seriously delinquent. We also did not receive anything in the mail. We received no email or text notifications alerting us that there was a problem. Additionally, we discovered that they had been calling the wrong phone number and did not leave any voicemails according to them. I contacted Chase immediately when we discovered the account was delinquent. I paid the past due in full and asked them to explain how this happened and why we weren't properly notified. The rep said admitted that this should have been handled differently and that the autopay should not have been cancelled if I did not request it be canceled. I asked the rep if Chase would consider removing the derogatory remark from my credit since this was clearly a misunderstanding and miscommunication that largely their fault. The rep said they would escalate the case to try to get a resolution. A few days later, I was informed that Chase investigated and decided that they would not remove the derogatory remark on our credit. This was very upsetting because it felt like they were not taking responsibility for their error. Instead, they were shaming me and making it seem like I should know how to pay my bills and ensure my bills are paid each month. I told them that this was not fair and did not show they value their customers or have any compassion. My husband and I are retired and will have difficulty bouncing back from this mortgage delinquency. This did not have to happen like this and Chase was not cooperative at all. I asked Chase to please provide me with proof that they did the proper notification and they refused to provide me with any copies of letters they claimed to mail and they refused to reforward me any emails they claimed they sent me. They said the only way they would provide me this information was with a court order. XXXX reps from Chase were on a recorded line admitting that Chase made a mistake but the escalations department ignored this and insisted that they were correct and within their right to report us delinquent. This type of derogatory remark is devastating and unfair given the circumstances. Had Chase done the proper procedure, the mortgage would have never missed a payment because autopay would have been reinstated when the forbearance was over. I've been a customer with Chase for a long time was shocked that this is how they decided to handle my concerns. I would like to know what agency we should contact to make sure that Chase fulfilled their obligations under the Fair Credit Reporting Act. We believe that they failed to provide the proper notification and the burden of proof should be on them. I should not have to get a court order to request the documentation from the investigation and recorded calls. I honestly don't believe they even tried to thoroughly investigate this and come back with a fair resolution. The escalations team did not seem competent and had language barriers that did not aid in trying to come to a fair resolution. I would like my concerns investigated by an outside agency because it seems that Chase refuses to police themselves.
Company Response:
State: MD
Zip: 20744
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Hello, I sold my car and called Chase bank in advance to inquire about the steps. Specifically, they advised me that title release should take 3-5 days, and I should have the buyer cut one check to pay them off and a separate check to me for the car equity. The buyer decided to use wire transfers so I asked Chase for wire instructions. The whole purpose of a wire is that funds are available to the bank immediately. However, Chase bank ( I even asked a supervisor ) insists their policy is to hold funds for 3 to 5 business days. Now I have a buyer who is upset because Chase is delaying the process to gain title to the car ( per State of CT procedure, Chase holds car title until loan satisfaction ). Also, they didnt properly explain that it would be 3-5 days to apply funds and additional time to clear the title.
Company Response:
State: CT
Zip: 06810
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Marriott International and its XXXX member Program have partnered with Chase Bank to offer Marriott XXXX loyalty members credit card products with false and misleading advertisements to entice consumers into applying and getting approved for the card and then immediately change the reward offerings upon approval, and remove the information previously advertised from any of the related documentation about the cards rewards benefits after the consumer is approved. The advertisements originally stated that I would get a significant amount of marriot XXXX points ( I believe it was XXXX or maybe a little less because I compared multiple cards in a matrix online they provided for consumers to compare cards and choose a credit card to apply for ) by applying and meeting appropriate qualifying spend levels in a specified time period. Once approved for the card, there is no further mention of this enticing language! Ive contacted both Chased and Marriot and each side spends numerous hours of my time transferring me between bunk departments, making me sit on hold each time and no one has a clue about the offer nor where to send me to get the assistance I need. My last attempt was a consumer compliant to Chase and Marriott where I informed them I would complain to my consumer protection agencies ( CFPB and etc. ) if not assistance was provided to sort this false and misleading statement issue out. As you are aware, through this process they must hard hit consumer credit for application and approval, then consumer is stuck with open credit card, which I am now refusing to use until they guarantee me the advertised bonus and benefits for my spend and interest payments, and additionally, if I immediately close the card due to their aweful inappropriate malpractice service, I as the consumer take additional hits to my credit. Please help me with this issue.
Company Response:
State: TX
Zip: 76051
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a letter in the mail from Chase Bank saying here was my new XXXX card. I immediately called the bank because I never ever had a chase account. The branch in question is closed down. I checked the mailing. So I now in my email from XXXX it saids that I now have a XXXX card application. That's not me. I also put a freeze on my account. This maybe a chase employee or just someone hacking information. We have no chase branches in XXXX
Company Response:
State: MN
Zip: 55430
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I filed a report to my jurisdiction 's officers about the unauthorized charges that occurred while I was traveling to India. I adhered all of Chase 's communication and provided information such as my pictures of passport showing Visa stamps to India to prove I could not have possibly made or received any benefit from these transactions. After escalating to the Executive Office ( XXXX XXXX ext XXXX ) and contacting my Florida Attorney General XXXX XXXX XXXX XXXX, XXXX ), I still did not receive a resolution. Rather, my account my put into delinquency over fraudulent and unauthorized charges. I have talked to Chase since XX/XX/XXXX, more than 10 times, trying to resolve the unauthorized transactions. Chase sent a notice claiming " You received benefit from this transaction '' on XX/XX/XXXX. When further inquired about how I received benefit, I received a vague response of " Amazon shows your information was used for purchasing ''. I was dumbfounded as a victim of credit card fraud, it is quite obvious that my information was used. I consistently contacted Chase to follow up and provide any information to remove the unauthorized charged from my credit card. I sent emails of my Amazon account being accessed remotely and Chase transaction confirmation emails, all of which I had not approved nor authorized, yet was charged for amounts outside of normal spending habits. These fifteen charges on Amazon.com are unauthorized uses of our credit card because they were made by a person who does not have actual, implied, or apparent authority to use the credit card, and we, the cardholders, have received no benefit from the usage. In accordance with the Fair Credit Billing Act, 1026.12, our liability shall not exceed {$50.00} for this or any unauthorized use of our credit card. The information and evidence provided hereafter shows 1 ) the charges themselves are suspicious and should never have been allowed by Chase ; 2 ) we did not authorize the charges ; and 3 ) Chase 's reasoning for considering the charges valid are flawed. Old card number is XXXX and new card number is XXXX XXXX. Exact date, times, locations and amounts that were fraudulently charged to your account. XX/XX/XXXX : {$400.00}, {$530.00}, {$110.00}, {$520.00} XX/XX/XXXX : {$110.00}, {$510.00}, {$760.00}, {$58.00}, {$850.00} XX/XX/XXXX : {$460.00} XX/XX/XXXX : {$370.00} XX/XX/XXXX : {$620.00} XX/XX/XXXX : {$610.00} Location unavailable due to online transactions I reported all XXXX XXXX unauthorized charges on my Chase XXXX credit card to Chase Fraud Department on XX/XX/XXXX upon discovery. My credit card was quickly replaced by Chase on XX/XX/XXXX and was communicated to me I would not be held liable for any unauthorized/fraudulent charges due to the Fair Credit Billing Act, limiting my liability to {$50.00} or {$0.00} if waived by Chase, which was waived under their Terms of Service & Cardholder Agreement in conjunction with my consumer rights as a Florida resident upon reporting.
Company Response:
State: FL
Zip: 34744
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: Chase refuses to revoke authorization from tolls collection agency. I called the collection agency to fix the dates and they still are double charging and on wrong dates. I called chase and they said they cant do anything for this unauthorized transaction or future ones because I have done business with this merchant. The only option they gave me is to change my bank account number. I searched on your website and it says I should be able to stop payments and revoke authorizations.
Company Response:
State: NY
Zip: 11105
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Unauthorized/unsolicited Hard Inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB CARD SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: MI
Zip: 48036
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A