Date Received: 2024-01-01
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I keep having inquiries on XXXX XXXX from chase. In XXXX and XXXX. I have called them at least 10 times. They confirmed the inquiries are fraud. Said they will remove and send out identity theft kit. 6 months later. Nothing. Nobody XXXX XXXX XXXXXXXX there. I didnt apply for any accounts there. They have acknowledged. Listen to the recordings. They say they will fix and do nothing!
Company Response:
State: IL
Zip: 60453
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am an XXXX XXXXXXXX XXXX XXXX I have {$520000.00} in my Chase checking account. I was the victim of an XXXX XXXX scam which was detected on XX/XX/XXXX. The scam was reported to XXXX XXXXXXXX XXXX XXXX XXXX Police and is being actively investigated by the FBI ( contact details can be provided upon request ). Since XX/XX/XXXX I have been trying to have the Chase checking funds returned to me. I have on numerous occasions visited the branch, phoned, etc ( details can be provided upon request ). I need these funds for living expenses and investment purposes. I am extremely distraught by Chase 's horrible treatment. Not only were they negligent in not noting the obvious signs of the scam, but they are adding insult to injury by not returning the money I have with them.
Company Response:
State: MD
Zip: 20817
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I the consumer was not given a explanation how to exercise on how I can exercise a nondisclosure option of nonpublic personal information.
Company Response:
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-31
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: So In XXXX Chase closed my credit card due to " inappropriate conduct '' i believe they closed it because they don't like that im critical of them because when you have an issue with chase their customer support agents don't help with anything they deny your help 100 % of the time employees don't give enough information on your issue. For example i filed a dispute on XXXX in XXXX of 2023 because they charged me on something they should not have a few weeks later chase sides with them and reverses the chargeback i call customer support and they say that XXXX tried to contact me and i didnt respond witch is not true and to reach out to the merchant but the merchant did not want to respond. i was able to get it reversed through twitter but it shouldn't have been reversed in the first place, also recently in XXXX they allow a company to overdraw my account with no way of getting my money back when presented to chase they say that they are unable to do anything and because of that i decided to criticise them to be fair there where moments where i said " XXXX and XXXX '' but they are acting like i was threatening them now today XXXX i cant use my Debit card or savings account and they are holding my money XXXX until a check arrives not only that they closed it with no word until i got annoying and they decided to spit the reason out over the phone but they allow me to use a credit card still witch i got 2 weeks ago they are trying to do something wrong to me by hoping ill overuse the credit card so i can be more in debt. not only that they make sure to go above and beyond when you want to dispute a credit card charge but when it comes to debit transactions they do very little.
Company Response:
State: CA
Zip: 90044
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On the XXXX of XXXX, I upgraded my cobranded Chase XXXX XXXX XXXX ) credit card after receiving a promotional offer on the XXXX site. The offer stated that I would receive XXXX bonus points and {$250.00} off a future stay if I upgraded to the XXXX card. I accepted the offer and have since received the XXXX bonus points, but not the {$250.00} credit. I then contacted both XXXX and Chase, but neither company has been able to honor the terms of the upgrade.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-31
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I've been having a litany of problems with Chase over the past 2 months and I have reason to believe they have broken a multitude of consumer finance laws regarding both of my credit card accounts. At some point in XXXX or XXXX of XXXX, they introduced a new digital services agreement requiring consent to access your online accounts. Upon advice from a lawyer, I did not consent to either of these digital service agreements due to privacy concerns. Therefore, I have been locked out of my online Chase accounts and unable to pay my bills online or access my rewards for both credit card accounts. I did not consent to these agreements because I refuse to allow Chase to sell my private financial data to data brokers. I've previously had a XXXX % on-time payment history in my XXXX years of credit history, but have been having a number of personal & financial difficulties recently including job loss, illness, and XXXX. So I called Chase on XX/XX/XXXX to request a deferment or forbearance on my accounts. I felt this was a reasonable request considering my payment history as well as the hyperinflationary crisis occurring in the macroeconomy. Chase refused to grant me this request and instead advised me to not pay my bills and go into default on my accounts. While speaking to Chase on XX/XX/XXXX, I was informed that there were additional changes to their agreement terms that were separate from the updated digital services agreement which were sent to my online accounts. I was not able to access these new terms because I was previously setup for electronic communications, but was/am locked out of my online Chase accounts so did not receive these important time-sensitive notices affecting my legal rights. I requested they send me these new terms in the mail in a timely manner so I could forward them to a lawyer for review. Instead of receiving these updated terms in a timely manner, Chase sent me a printed notice dated XX/XX/XXXX stating they had not sent any changes to my account recently. I will note this is notice is factually incorrect and contrary to what I was told over the phone. I again had to call Chase on XX/XX/XXXX after receiving this incorrect notice to request printed agreement terms to forward to a lawyer for review. Instead of receiving these agreement terms, I received a printed notice from Chase dated XX/XX/XXXX incorrectly stating that one of my accounts had been closed at my request. I never requested for that account to be closed and when I called Chase for clarification on XX/XX/XXXX I was told by multiple people that XXXX of my accounts were still open and in good standing. My understanding is that this is duplicitous, unethical, and illegal for breaking consumer finance regulations. Chase has repeatedly told me things over the phone that are contrary & contradictory to things that Chase has mailed me in writing. This lead to me forming a support ticket with Chase 's executive office which is still under their internal investigation. I also requested a hardship settlement for my accounts but was denied over the phone, which is contrary to a printed letter they previously sent me in writing. Since I had not received the updated terms yet and the issue was time-sensitive, a lawyer was able to track down the revised agreement terms from another Chase Freedom Unlimited customer. The lawyer notified me the new agreement terms contained an arbitration agreement which had to be opted out of in-writing in a timely manner. So I wrote & mailed two letters each dated XX/XX/XXXX notifying Chase that I reject their arbitration agreements. I later received the updated terms for XXXX accounts which were dated XX/XX/XXXX but I did not receive them until after I mailed my letters of arbitration rejection on XX/XX/XXXX. On XX/XX/XXXX I made the minimum payment due of {$720.00} for XXXX of my accounts in-person Under Duress. The payment was made Under Duress because Chase refused to grant me a deferment, forbearance, or hardship settlement, and I had to borrow the money to make the payment even though I can not afford it. I will note that Chase refused these simple, reasonable requests despite us being in an active dispute requiring them to conduct an internal investigation over the integrity of their systems. I will also note that making payments in-person is extremely inconvenient for me, and that making payments over the phone aren't a secure method to pay due to various technological reasons. I called Chase on XX/XX/XXXX to check if my letters had been received but was initially told they had not been received. After informing Chase that I sent the letters with XXXX tracking numbers and could prove they received the letters on XX/XX/XXXX & XX/XX/XXXX respectively, they admitted they received the letters. This resulted in me having an additional support ticket created by Chase 's escalation department which is separate from the support ticket created by Chase 's XXXX office. I was told over the phone that Chase rejected my rejection of arbitration for XXXX account but not the other. I have yet to receive this letter of notice in the mail. My understanding is Chase has broken XXXX consumer finance laws through my correspondence with them over the past couple of months. I also have reason to believe their systems have been hacked or compromised since they have sent me multiple factually incorrect letters in error. My understanding is that this is a violation of Chase 's fiduciary responsibility to safeguard & protect my private financial data, and that they are liable for damages if I choose to sue them in a court of law.
Company Response:
State: OR
Zip: 97223
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I HAD IDENTITY FRAUD AND A FRAUD ALERT ON MY CREDIT REPORT. ALL OF THE CLOSED ACCOUNTS XXXX JPMORGAN WERE SUPPOSED TO BE REMOVED FROM MY CREDIT REPORT. MY ATTORNEYS AND I HAVE BEEN TO COURT XXXX TIMES AND THE CLOSED ACCOUNTS ARE STILL NOT REMOVED FROM MY CREDIT REPORT. ALSO THE ACCOUNTS ARE OVER 7 YEARS OLD AND NEED TO BE REMOVED FROM MY CREDIT REPORT. PLEASE HELP ME OUT WITH THIS. THANK YOU VERY MUCH. XXXX XXXX
Company Response:
State: CA
Zip: 92602
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: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: In late XXXX of 2023 I was contacted by a person that was incarcerated and he asked if I would help him with accessing the funds that were in his checking account at Chase Bank so that he could get personal items, food, and a tablet that were offered to the inmates. I agreed to help him and he released his phone to me so I could get his bank account information and he also had a Power of Attorney drawn up authorizing me to handle his financial and personal business. I found that the quickest way to access his funds was through XXXX transfers because I also had an account at Chase and he told me that was fine because he wanted his items as quickly as possible. I continued to act on his behalf until he was released in XXXX. All transactions that transpired were per his request. When he was released from jail he began telling me that I 'had to meet him somewhere to go over the bank transactions ' and I told him that I couldn't meet him so he told me that if I did not then he was going to go to the bank and tell them that he believed that some of the transactions were fraudulent. On XX/XX/XXXX he filed XXXX online disputes for amounts totalling {$1800.00} and the bank took that amount out of my checking account, leaving me with a negative amount of {$1800.00}. I discovered the transactions on XX/XX/XXXX when I checked my account balance. I went to the bank that afternoon and a call was made to the fraud department and they said I would have to wait 7-10 days to find out more because they would do an investigation and for me to call them back after that time. I explained to the bank representative that I had a POA and all transactions were done on his behalf. She told me to call the fraud department on Saturday XX/XX/XXXX, which I did, but I was told to call back after 10 days. I called fraud department again on XX/XX/XXXX and was told that a decision had already been made in favor of XXXX XXXX. I asked why I hadn't been contacted during their supposed investigation and all I was told was 'because it was XXXX and the decision has been made '. On XX/XX/XXXX I called fraud department again and requested a letter explaining their decision and the reasoning for it but I was told they don't do that. The only communication I received from Chase Bank regarding this matter was the seven letters informing me that the disputes had been filed against my account. The only other communication was when I called the fraud department. I do not believe that a thorough investigation, if any at all, was done in this case. A decision was made without anyone contacting me. I don't feel that this matter was handled according to law. The other complaint I have is that Chase Bank 's XXXX regulations has a clause that says if a person allows another individual to use their XXXX account then the account holder is responsible for any transactions that are made, so by allowing XXXX XXXX to take that money out of my account should not have happened. I also believe that it's a possibility that XXXX XXXX may have intended to file the disputes to get the money because he had spent more than he thought. I have also filed a fraud report with the local XXXX XXXX Sheriff 's Department.
Company Response:
State: FL
Zip: 34116
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: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened a business account for my business and noticed that it lists my name instead of my business. When I called to have this fixed they told me I have to go in person, there is no bank working XXXX miles of me. They told me they would look into it transferred me multiple times then hung up on me.
Company Response:
State: MO
Zip: 658XX
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-31
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I received an email on XX/XX/XXXX from Chase stating the following : " As of XX/XX/XXXX, our records indicate that you may have a {$500.00} United Airlines travel credit available for redemption, expiring on XX/XX/XXXXXXXX XXXX This means you must book your flight prior to XX/XX/XXXXXXXX XXXX but your travel date may occur after. '' On XX/XX/XXXX, I tried to redeem the remaining credit amount of {$140.00} towards a flight with travel dates XX/XX/XXXX - XX/XX/XXXX and was told the travel can not occur after XX/XX/XXXXXXXX and that I will lose my credit tomorrow. When i referred to the email that i had received from Chase- the agent called it a " general email '' that was sent out - when in fact it had very specific information about my credit and it was personally addressed to me. The original email clearly states that I can use it for travel after the date and had I known I had to travel prior to this date, I would have booked earlier in XXXX This was inaccurate and very confusing information provided by Chase and they should be held responsible for the money/credit I will be losing.
Company Response:
State: CA
Zip: 94306
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A