Date Received: 2023-06-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened a credit card with Chase and paid the annual fee. Chase closed my credit card before and will not refund the annual fee I paid.
Company Response:
State: GA
Zip: 30338
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023, an unauthorized {$3000.00} was removed from my Chase primary checking account. Apparently, someone had stolen my debit card information and linked it to a XXXX account, and then used it to process this unauthorized transaction. This unauthorized user also contacted Chase by phone to journal {$200.00} from a secondary account into the primary account to fully satisfy the {$3000.00} charge. After reporting the fraud to Chase, they disabled the debit card and issued a new one. However, they then denied my fraud claim, saying that I provided electronic authorization for this activity. I told them that this was not true. They refused to provide me with proof of their findings, and also refused to reopen or re-review the case until I could provide them with more evidence. I am unable to dispute their findings, because they have not provided me with any details. I also contacted XXXX to report that an unauthorized account had used my debit card to commit fraud. They agreed and terminated the account, but also opened and closed a case without providing any follow up. I have no idea of the results of their investigation because they have not contacted me or provided any documentation. They did not explain how my debit card was verified on this false account, nor did I see any verification deposits/withdrawals on my checking account that would have certainly flagged this fraud activity. At this time, I feel as though Chase and XXXX are giving me the run-around in hopes that I will give up and go away. I believe that all of their security measures have failed to protect my money. I also believe that it should be illegal for them to open and close fraud cases without providing the evidence of their findings in a formal letter or email. I have also filed a police report and am waiting for the formal report to be emailed to me from the XXXX, IL police department. I appreciate any assistance in holding these parties responsible for their security failures.
Company Response:
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I was in communication with XXXX XXXX with XXXX XXXX XXXX XXXX for a couple years. He requested I send a deposit for a building I'm purchasing. Then his email account was hacked and I was given the hackers bank info instead of the XXXX 's bank account. I sent the deposit to 'XXXX ' on XX/XX/XXXX via ACH from Chase Bank for {$21000.00}. I've called Chase Bank and the hackers bank ( XXXX XXXX ) and both banks are refusing to open an investigation or try to stop the payment. Chase Bank claims this is a scam rather than fraud and XXXX Bank says they can't look into their account unless there is an open investigation from Chase Bank.
Company Response:
State: TX
Zip: 78702
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2023, I was charged {$27.00} for XXXX XXXX Guest Visit. This was for the lounge access in XXXX. I brought three guests with me. When I when to check-in with the front desk staff, I asked if there would be additional charge if I brought in three guests and she said no, I could bring them all in without any charge. Had I known later on Chase and XXXX XXXX would charge me {$27.00}, I would bring in only two guests because the lounge service at XXXX was not worth {$27.00} entrance fee at all. This charge was made when I was totally unaware of ( I didn't authorize this charge and was provided with complete and transparent information when this charge was made ). I had to call in two times to get this disputed. The first time, the agent said I would be credited back {$27.00}. I waited for 10 days, nothing showed up on my account. I had to call in a second time. This time, a different agent said a completely contradictory opinion compared to the first one. He said this charge would not be dispute and I would not receive my money back. The fact that I had to call in two times to get it resolved and received two competing solutions is really frustrating to me. I feel like I felt into a scam between XXXX XXXX and Chase Sapphire Reserve because of the in-transparent and unprofessional service.
Company Response:
State: VA
Zip: 22180
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX payments are paid out in arrears meaning XXXX 's payment amount is for the month of XXXX. My wife passed away XX/XX/XXXX XXXX payment made XX/XX/XXXX Without any notice Chase placed the payment on hold, it still is today. Several contacts with both Chase and XXXX, including a joint phone call between XXXX, Chase and myself is still ending with Chase not releasing the funds to XXXX or to myself. Chase is keenly aware they do not have right to the XXXX funds. In the phone conference with XXXX and Chase, XXXX said I should sue Chase. I need help! The money is needed. I have met with Chase at the branch level on XX/XX/XXXX and XXXX. I have called XXXX XX/XX/XXXX? and XXXX, XXXX, XXXX. I arranged a phone conference with XXXX, Chase and myself XX/XX/XXXX. This phone conversation should be recorded by Chase. I also emailed XXXX XXXX XXXX, Chase Official listed on internet, XX/XX/XXXX at XXXX eastern time. No response to date.
Company Response:
State: FL
Zip: 34761
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Other transaction problem
Subissue:
Consumer Complaint: My mom XXXX XXXX XXXX XXXX regularly sends money from her XXXX XXXX XXXX account to my Chase bank, {$6500.00} per transaction, to help fund my tuition. She sends it to the exact same account every time. It went smoothly for a year and half, and the final successful transfer was XX/XX/2023 ( can be seen from my Chase account ). She sent another one on XX/XX/2023, but it was never received. My mom contacted XXXX, and after a lengthy investigation process, XXXX got in touch with XXXX ( the intermediary ) and Chase. It turns out that CHASE for whatever reason, flagged an error on the transfer and CHASE proactively CHANGED the account number of the transfer. It was originally supposed to go to " XXXX '' ( my account ), and CHASE proactively changed it to " XXXX '', and deposited the funds into this WRONG person 's account. I went into a Chase branch in person and had the banker look into this. Banker found out that Chase did in fact deposit the money into XXXX, which is the WRONG person 's account. Banker tried calling various departments ( including Wire department and Claims department ) to correct CHASE 's mistake, and they all gave various reasons to why they can not give me my money even though they can see that I have been receiving funds from XXXX XXXX for a year and half, and this one transfer went to the wrong person. XXXXne of the reasons that Chase gave was that my account ( XXXX ) is now restricted to close, so they can not transfer the money into this account. I had ChasXXXX restrict my XXXX account and open me a new one about a week ago because my account information was compromised to a potential scammer. The new account ends in XXXX. Regardless, Chase made the error of proactively depositing my mom 's hard earned money into the wrong person 's account. I should be protected and get my money back. To summarize - my mom tried to transfer money from her bank account to my Chase account, using all the correct info and account numbers. Chase made a mistake, Chase proactively changed the recipient account number and deposited it into the wrong person 's account. Now that person has my {$6500.00}, and Chase is refusing to correct their mistake. I am struggling to make ends meet because of Chase 's mistake, and I am down {$6500.00}. Please let me know if I can provide any more information to help aid this investigation. Thank you.
Company Response:
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX at XXXX EST I booked a room online with XXXX XXXX XXXX XXXX XXXX using my Chase Prime Visa Card for an upcoming stay. I paid the full price for the room, {$310.00}, on XX/XX/XXXX which is both the date I executed the transaction and the date reflected on my receipt from XXXX XXXX. Per the terms on the XXXX XXXX booking page where I executed the transaction on that day : " The full amount of stay will be charged to your credit card immediately ''. I was enticed to use my Chase Prime Visa card for this XXXX XXXX transaction based solely on the fact that I had clicked upon, activated, and accepted a " Chase Offer '' which was available to me on my Chase Prime Visa card specifically for making a XXXX XXXX booking. But for this specific Chase Offer, I would not have used this Chase credit card for this particular booking, and would instead have used my XXXX credit card. The terms of the Chase Offer in pertinent part read : " Earn 10 % back on your stay at a XXXX XXXX branded hotel when you spend {$100.00} or more, with a {$32.00} back maximum... Offer expires XX/XX/XXXX. Offer valid one time only. Complete payment for your stay must be made by XX/XX/XXXX. '' Though I have clearly fulfilled all the terms of this offer as extended to me and accepted by me on XX/XX/XXXX, Chase is denying the money owed as a statement credit due to whatever the internal processes/ interactions that occur between the merchant and banking entities on the back end of this particular transaction that caused it not to show on my Chase account until XX/XX/XXXX, 11 days after I had paid the full amount for my stay per the terms outlined by XXXX XXXX on the booking page as well as per the terms of the Chase Offer. The idea that I, as a nave consumer who has followed all the rules and lived up to all the terms extended to me by both of these multinational corporations, should be penalized for whatever Byzantine processing delays caused this transaction not to filter through to the Chase side until 11 days after I executed this transaction is utterly preposterous. Nowhere in the terms and conditions of the Chase Offer is there any sort of language indicating that any scenario like this might jeopardize the statement credit. How far ahead of time would a consumer need to execute their transaction in order to fulfill the terms of the offer in such a scenario? Clearly, its 11 days or more. Is it 20 days? 30? If the consumer needs to execute the transaction 11, 20, 30 or more days before the expiration date in order to receive the statement credit due to them, this needs to be explicitly communicated in the terms and conditions of the offer.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I deposited a check from XXXX XXXX Treasury dept.for the sum of {$4200.00} chase bank said my funds would be available in 7 days as soon as my funds were avalible chase bank closed my account an put all of my funds in suspension. After the check cleared an Chase banks recieved the funds. They will not release the funds to me because chase bank said they can not varefiy the check .they will not call the number that is posted on the check to varifiy it an they do not have the correct phone number in there data base to varifiy the check according to chase bank . I went in person to the creator of the check to get them to just void the check an make me a new check .Which they agreed to do, they checked there bank that the check was made out to .Chase bank had already processed the check an recieved my funds
Company Response:
State: TX
Zip: 77083
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 I had an unauthorized withdraw for my checking account. I was at XXXX market in XXXX, CA. As I approached my vehicle a female, aprox XXXX ft with XXXX XXXX informed me that I dropped a {$20.00} dollars bill inside the store. I told her that I don't have cash in my wallet, but she kept telling me to " CHECK MY WALLET ''. At one point I took my wallet out of my purse and I show it to her. ( This female was talking on the phone all the time with somebody. ) I got in my car and then she come at my window and said that she checked her wallet and that the {$20.00} dollar bill was hers. I gave her the bill and she walked away. After that I called my son, telling him what happened and he told me to check my wallet to make sure nothing is missing. When I checked my wallet the debit card was missing. My son told me to check my chase bank on my phone. When I did, I saw a statement regarding an unauthorized withdraw from my checking account for a {$1000.00}. I called the bank right then to cancel the debit card but my waiting time was around XXXX XXXX. By the time I canceled the card, the withdraw was done. My son and I went to the bank and we found on the floor 2 more receipts- one for {$500.00} and one for {$200.00} that were declined.
Company Response:
State: CA
Zip: 91776
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Chase Bank allowed a {$2100.00} levy against my savings account without any knowledge to me at all. I'm allowed 20 days to dispute it and allowed a court hearing. I also should have been exempt by law since my only income is state XXXX. Even after the agency that illegally took all my savings admitted they made a mistake I still never saw my XXXX dollars again. Chase said they couldn't recover the money because it's already in someone else 's account. That's a lie. They took it out of my Chase account and put it into someone else 's Chase account. Odd how they can take money from my account but they can't take it out of there account when we have the same bank. I totally feel absolutely discriminated against.
Company Response:
State: CO
Zip: 815XX
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A