Date Received: 2023-06-25
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: A {$100.00} gas gift card was purchased at an XXXX XXXX Gas Station on XX/XX/. The clerk at the time said the first transaction " did not go through '', so she rang it up again. We are unsure whether it was the same or a different gift card that was scanned the second time, as it was not visible to us. Regardless, a singular gift card with a {$100.00} balance and a single receipt detailing such was received by us and later given as a birthday gift. Upon receiving the credit card statement from the card used to purchase said gift card ( a Chase bank credit card ), the {$100.00} charge appeared twice, once for each " transaction '', though, as mentioned above, only one gift card was scanned and received with a balance of {$100.00}. The balance was also reconfirmed with the gift card recipient. After multiple attempts to contact Chase via telephone, a dispute was finally created for a double charge ( Code 392 Duplicate Sales ) and we were updated via letter that the dispute was being investigated as ofXX/XX/XXXX The dispute was denied on XX/XX/. The evidence provided was an email sent from XXXX XXXX Card Services to the retailer issuing a chargeback. On the provided email, the dispute reason is circled, and " Yes '' is handwritten, though it is unknown by whom. Two separate receipts were also given, each with a {$100.00} " XXXX XXXX '' transaction. The receipts were identical besides having different transaction numbers ( XXXX and XXXX ) and being 38 seconds apart. This evidence provided suggests either that : 1. The retailer agreed that the chargeback was valid, as portrayed by the hand-circled " Yes '' in the email copy, and Chase still refused to issue the chargeback. If this is the case, Chase needs to provide more evidence of the denial reason. OR 2. The retailer disputed the chargeback to XXXX XXXX Card Services, who then disputed it to Chase, and provided only the 2 receipts as " sufficient '' evidence. If this is the case, given that the item purchased was a gift card, it seems reasonable that Card Sevices should be able to identify that either the same unique gift card was scanned twice or two separate gift cards were scanned. Should the latter be the case, the denied dispute would make sense, and a police report would be necessary for theft ( regardless of whether it was the fault of the sales system or the clerk ) given that only one gift card was received. However, we have no way of knowing given the extent of the evidence provided, as regardless of what occurred, the evidence is wholly insufficient as it was provided, and no further explanation was given. Chase has provided no way to appeal the decision or request further evidence besides their normal helpline for questions which has proven unhelpful as representatives are rarely available.
Company Response:
State: MI
Zip: 49315
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: i have an inquiry on my credit report from chase bank. its two inquiries it looks like for the same item. i received a advertisement for a pre approval for business credit from chase bank and it ran my personal credit twice with a hard inquiry. i never authorized this hard inquiry and did not want one. they fooled me by sending me business credit information this advertisement for soft credit pull came from jpmcb division
Company Response:
State: TN
Zip: 381XX
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I was banking with, Chase aka JP Morgan bank, I had them as my main source for XXXX transfers and for direct deposits from my job. On XX/XX/2023 at XXXX I realized that my check wasnt in the chase account, I called chase immediately and a young girl picked up the phone and asked me for my info and the reason of my call and I advised the young girl about my direct deposit from my job, where is it? Then she was like, let me look into your account to see whats going on and she placed me on hold and then comes back from me being on hold and starts reading a script on her end with a nasty attitude and she told me that chase no longer banking with me and that she doesnt have to give me any explanations on why chase closed my account, she stated that she isnt obligated to tell me whats going on and that she doesnt have to answer to me or any other questions because we are no longer associated with you. I then told her that I wanted to speak to a manager because WHERE IS MY DIRECT DEPOSIT and she was still very nasty, the manager came on and totally wasted my time and hung up on me I call back and another chase rep says the same and also states theyll be sending out a cashiers check if theres a check and I dont want a check I want my money! I then went into the branch and a banker calls the back office and tries to help me get my paycheck from my job and they were telling the banker that only a branch manager can grant me my paycheck banker tells back office that branch manager is out for tthats my only source of income and they kept apologizing but yet not fixing the issue, I was advised by XXXX from the branch of chase to go to another branch of chase on XXXX XXXX FL I get there, I asked for the branch manager she comes out and I explained and expressed to her what was going on, that my deposit is in the supposed restrict closed account and with {$1900.00} in IT. Long story short the branch manager could not help me and now Im in the whole with rent light & water bill lack of sleep, food, XXXX, and the XXXX XXXX. Chase wont give me my money back and I want and need it now for bills and people that need to be paid. What chase is doing is complete FRAUD. Theyre holding money that does not belong to them and that is a problem by law!
Company Response:
State: FL
Zip: 33401
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Other transaction problem
Subissue:
Consumer Complaint: I made a made a wire transfer for my business to a perfume supplier company in XXXX on XXXXXXXX XXXX XX/XX/2023. The reciever has not got the money yet as of today XX/XX/2023 .I contacted my banks online wire transfer customer service expert several times. They advised me to go physically at local branch of the bank. I visited the branch 3 times even met the Branch Manager. He let me fill a form and submitted. After 2 days i got a secured messege on my bank acount. It describes the local and intl. wire transfer processing time and also says other financial institutions may place a hold on wires or charge additional fees to receive wires. Chase can't remove or modify a hold placed by other financial institutions. Now my question is what was my fault here? They did not even warn me that my money could be held for no reason. How i can send my future business transaction? At least should I not get informed that this is the reason your money is on hold? This is a small anount indeed. But I send bugger amount too. Is the total system trust worthy?
Company Response:
State: NJ
Zip: 07501
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
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: I would like to warn the general public and report Chase bank about mishandling of disputes resolution. A purchase was made on a Chase card on XX/XX/2023. The merchant was unable to fulfill the order and did not ship the order. Merchant distributed a statement to affected customers stating the orders were not fulfilled and that the payment processor was not letting them issue a refund. To please charge back with the bank due to this. Thinking it was a simple process, I contacted Chase and initiated the dispute for goods not received on XX/XX/2023. The payment processor ( not the merchant ) sent an automatic reply to Chase on XX/XX/2023 with order information. No record or order being fulfilled, shipped or delivered. I contacted Chase on XX/XX/2023 and explained once again that nothing was fulfilled, shipped or delivered, and that the actual merchant had acknowledged this and communicated it to all affected customers. I submitted the documentation I had ( receipt and the pdf document from the merchant ) and was told that it was more than enough since it was clear I was right. After numerous calls for updates throughout XXXX, XXXX and XXXX, and without receiving any request for information or clarification from Chase, I found out Chase is denying my claim. I would like to warn the government and every possible customer of Chase that what they state in their website about purchase protection and having your back is just a marketing plot. If you ever need them to have your back youll see yourself footing the bill and scammed.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
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: I rented a car in XX/XX/XXXX for XXXX holiday in XXXX ( cost ~ {$800.00} ). I arrived to get my rental car and was told that they were not honoring my rental agreement and had to rent a car with new policy ( cost ~ {$750.00} ). I immediately reached out to the original rental ( middleman ) company to explain the situation. After several weeks of nothing I filed a dispute with my credit card company. I explained the situation and offered to provide supporting documentation. They informed me that they would reach out and if they needed anything more from me, they'd let me know. I followed up after XXXX days to check the status and all was still well. On XX/XX/XXXX I received a letter from Chase that my claim had been rejected. Letter was dated XX/XX/XXXX. I called and was told I could dispute my dispute and upload supporting documents ( which I did within XXXX hours - on XX/XX/XXXX ). On XX/XX/XXXX I called to follow up on the claim and was told that I was being rejected again as I should have submitted my documents and re-disputed the claim by XX/XX/XXXX ( letter of deny was XXXX and received in mail on XX/XX/XXXX ). Basically, I need to have mental telepathy to know that I'll be rejected so I can submit forms before I even know I'm rejected. During my multiple calls yesterday with Chase, I discovered that during their review of my initial claim, they overlooked my XXXX charges. From their perspective they saw I had a charge on XX/XX/XXXX and received a car. They didn't look at my records to see that I was charged a XXXX time on XX/XX/XXXX. Their response after realizing this was simply to keep saying, you're too late, there is nothing we can do. My concern with credit card services is this : for goods and services that a customer immediately receives you have XXXX days to complain about a product being defective etc. When it comes to some purchases ( furniture, vacations, etc. ) most people are paying for this months in advance. Then when something goes wrong, agreements aren't honored etc. the XXXX company says you are filing too late. Also, when a customer has supporting documentation and the company says " we will reach out to you if we need anything '' then they don't do that and deny you without full research there is no recourse. The rental car company in XXXX rented me a car and has my money ( no issue there ). The rental car company XXXX XXXX XXXX XXXX ) did nothing to help me, their rental agreement was not honored and they did not help dispute the situation with the Italian company nor will they refund my original payment of {$800.00}. That is a lot of money to be out. I have a problem with this. The credit card company ( Chase ) did not properly assist me, didn't want my supporting documents ( both rental agreements, charges, email communications ) and once I finally gave them those records they said too late. They simply want to move my case off their desk or check their completed task box. XXXX of the points of having a credit card is to have someone who can help dispute claims.
Company Response:
State: MD
Zip: 20901
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: I filed a complaint with the Federal Reserve on XX/XX/23 and thought they were going to handle the complaint, but after reading more information, it appears I needed to file the complaint here. I was the victim of a romance scam. I sent a cashier 's check to XXXX XXXX XXXX XXXX. The check was sent to XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX in the amount of {$110000.00} on XX/XX/23. The scammer took the check to Chase Bank on XX/XX/23. Chase did have suspicion about the check and placed a hold on it until XX/XX/23. On XX/XX/23, I realized I had been scammed. On XX/XX/23, I called Chase Bank customer service number XXXX and informed XXXX different people that I had been scammed and told them they had a cashier 's check on hold and asked them to please not release it. I was told they could not talk to me since I was not a member of Chase and I had to go through my financial institution where I received the cashier 's check. On XX/XX/23 I went to XXXX XXXX XXXX to my local branch and worked with XXXX XXXX ( Branch XXXX ). She called Chase to request the check not be released due to this was a scammer. She attempted to tell them they have a customer who is committing fraud. They sent her to XXXX different departments and each time the representative would not help. Chase offered no assistance and told her they could not stop the check. XXXX informed me to call XXXX XXXX to report the check was sent to a scammer which I did. They said they raised a red flag alert that day to try and stop the check. I attempted to call Chase again on XX/XX/23 to plead with them to not release the check. I did finally have XXXX representative ask who the check was sent to. I gave her the name and the last XXXX digits of the account number ( all I had ). She put me on permanent hold and never returned to the call. XXXX XXXX told me there was nothing more they could do because it was a cashier 's check. On XX/XX/23, XXXX Bank called me re : a wire I had also sent to this same scammer. They did determine this was fraud and told me they were going to return my wire money back to me. They also said I could request my financial institution to send a hold harmless indemnification letter to Chase Bank. This was the first time I ever heard about this option. I called XXXX XXXX and spoke to XXXX XXXX in the compliance department to request such a letter. She told me I would have to call Chase Bank to get an email address of where they could send that letter to. I told her they wouldn't talk to me before because I am not a member of Chase. She said the bank is too big and they would need an email address to send it to or it would get lost in the shuffle. I called Chase Bank customer service number again and requested the fraud department. They would not transfer me to anyone in who actually worked in the fraud department. I attempted to report the scammer 's name to them and they would not take the information. I asked for an email address and they said they don't have one. One representative told me I would have better luck if I called the branch. I attempted to call the XXXX XXXX XXXX XXXX XXXX times and nobody would answer the phone. A message saying nobody is available to take my call and then they would hang up. I attempted to stop this cashier 's check from being processed multiple times and not one person at Chase after talking to at least XXXX different people would help me even though the check was on a hold until XX/XX/23. Now, I'm trying to send a letter to Chase asking for a hold harmless indemnification letter and I can not get any help from anyone! Chase Bank doesn't seem the least bit concerned they have a customer who is committing fraud and they have no interest in stopping it.
Company Response:
State: TN
Zip: 377XX
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Credit monitoring or identity theft protection services
Subissue: Problem with product or service terms changing
Consumer Complaint: XXXX XXXX XXXX Have reported to XXXX that I owe them XXXX. I have never took out a rental with XXXX but they been calling me. I would like to speak with XXXX. I need signatures on documents. That were done by me. Not a PDF online but actually signed documents. Ive been a victim of identity theft and I want to make sure I am covering grounds. Before I have to pay anything to anybody.
Company Response:
State: CA
Zip: 92105
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: There are 2 things that happened : the biggest thing was, i was lied to on the phone when I was called to settle on my business credit card with chase bank. I asked three times if the XXXX $ and some change they requested would close the card and be done, and person said yes. I asked there times. I went to check a few days later and the card was charged a XXXX $ something but there was still a balance. I called and talk to a manager XXXX. He ; pulled call and said wow you are right you asked three times. So he said he would send in to get balance taken off. It got denied by however was above them. I felt lied to and it should have taken care of balance as i was led to believe. I was so mad I asked to close my personal account, leaving my business account open. I called earlier this week to tell bank i had a XXXX $ return coming back into account but i wanted it rejected or sent to business account. I was told since the account was close it would auto reject and i need to do nothing. Well it went through, when i called to day to explain they said there was nothing i could do because the account was not fully closed yet. Its been over a week since I requested it closed.
Company Response:
State: AZ
Zip: 85032
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My loan servicer was transferred from XXXX XXXX to Chase in XXXX and I was notified at the end of XXXX. Before XX/XX/XXXX, I attempted to setup my chase.com account and failed. I called Chase and was notified that I would be unable to setup an account until XX/XX/XXXX. I was directed to XXXX for additional information. I noted in the FAQs section, under Payments, that I should start making payments to Chase on XX/XX/XXXX. On XX/XX/XXXX, I setup my account. Only XXXX of my XXXX mortgages appeared in my account, so I contacted support and after a transfer, my other mortgage was visible. On XX/XX/XXXX, I got my account statements for XXXX that indicated that on XX/XX/XXXX, I would be paying XXXX and XXXX payments. I called Chase, but they were closed for the XXXX holiday. On XX/XX/XXXX, I called Chase again. XXXX and I got disconnected when I was put on hold while they spoke with someone else at the office. I called back and spoke with XXXX, she was unable to help me and transferred me to XXXX ( othy ). XXXX confirmed that the website said XX/XX/XXXX and said he was creating a ticket to have it fixed. He opened XXXX # XXXX and said he would call me back On XX/XX/XXXX, XXXX ( XXXX ) called back and told me that the website was informational only. He then told me he was unable to do anything.
Company Response:
State: CO
Zip: 80020
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A