Date Received: 2023-06-17
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: 1- I'm current Chase Bank Credit Card Customer . I have Chase Freedom Credit Card. On XX/XX/2023, I received an Offer Via email From Chase to Apply for another one of their Credit Cards : XXXX XXXX. ( SEE ATTACHMENT # XXXX ). XXXX The Offer included Zero % Introductory APR for 21 months on Purchasing and Balance Transfer . Then, 20.24 % -28.99 %, thereafter, depends on credit worthiness. XXXX The same email included a link " Respond Now ''. When I clicked, it took me to Chase Website to sign-in and proceed with their offer. XXXX After signing-in, the Screen did not have any information to proceed with the offer for XXXX XXXX Credit Card XXXX But it did have two Options : A- Need Help Choosing a Credit Card? Take a Quiz, and B- If you don't see what you are looking for, Find a Card. ( SEE ATTACHMENT # 3 ). THE SCREEN DID NOT HAVE ANY INFORMATION ON HOW TO PROCEED WITH THE OFFER FOR CHASE XXXX CREDIT CARD THAT CAME IN THE EMAIL. XXXX When I found out that, I went back to the email and clicked on the Link for " Pricing and Terms '' and surprisingly, discover that Promotional Zero % is for 18 months which contradicting the Offer of 21 months as stated in Chase Email oXXXX XX/XX/2023. ( SEE ATTACHMENT # XXXX ). XXXX On XX/XX/2023, which is the expiration date for Chase Offer for the XXXX XXXX Credit Card XXXX I called Chase Customer Services and Spoke to XXXX XXXX who stated that she did not know why the link is not working and she could not explain the discrepancy between the 21 months and the 18 months. XXXX It is clearly obvious to me that Chase Bank is deliberately avoiding the admission of their mistake and unequivocally, decided to not honor their PRE-APPROVED WRITTEN OFFER to me of 0 % Interest for 21 months. XXXX THIS IS AN UNFAIR BUSINESS PRACTICE IN GENERAL AND most importantly, HURTING AND HARMING A XXXX XXXX XXXX XXXX XXXX IN PARTICULAR. XXXX Regardless of what has happened, Chase Bank MUST honor their own pre-approved offer.
Company Response:
State: FL
Zip: 33185
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Identity theft protection or other monitoring services
Subissue: Problem with product or service terms changing
Consumer Complaint: I have a hard inquiry on my credit report that was submitted today XX/XX/23 and I did not apply for anything.
Company Response:
State: OH
Zip: 44305
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened an online on XXXX/XXXX/3023. The account was up until two or three days later it restricted without reseason. I reached out to the bank to why it had been closed but everyone I tried to speak with would not talk bout the reason for the restriction. The online application said that if I opened the account I could receive {$220.00} as long as have my income direct deposit to that new account that I opened. About two weeks later, after calling so many times for and answer about the restriction on the account, receive a letter telling to call the bank as soon as possible to find out what the issue was but I did that and still no answer given. In addition, the letter that was sent wasn't even a letter disclosing the consumer reporting agency they used which I thought was very uncommon. I told them that there is a conspiracy between them and XXXX XXXX XXXXXXXX. The reason I am saying this is because on XX/XX/2023 I opened the account first with XXXX XXXXXXXX XXXX and they immediately declined my application for and account. On the XXXX/XXXX/XXXX I opened an onli account with chase bank but suddenly it was restricted without cause. XXXX XXXX XXXX sent a letter, from a specialty agency which I found out is owned by both XXXX XXXX XXXX and Chase bank and I believe chase denied me because of information given to them by XXXX XXXX XXXX.
Company Response:
State: CA
Zip: 92105
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I am writing to bring a serious matter to your attention regarding false advertising practices employed by Southwest Airlines and Chase. I believe it is important to address this issue to protect the rights of consumers and maintain the integrity of our market. On XX/XX/2023, I visited Southwest Airlines ' website with the intention of purchasing plane tickets. During the payment process, a prominent offer appeared on the page, indicating that I was pre-approved for their credit card, promising a {$300.00} credit and XXXX points upon spending {$500.00} on the card. It also implied that I could use the card to pay for my tickets right away. Intrigued by this offer, I clicked on the " Learn More '' option. The subsequent page confirmed my pre-approval and even assured me that my approval status would be determined within a mere 15 seconds. Relying on the legitimacy of this promise, I decided to proceed with the credit card application. Regrettably, upon submitting the application, I was redirected to a page stating that I would receive correspondence in the mail within a couple of weeks. This unexpected deviation from the promised pre-approval left me feeling deceived and frustrated. In an effort to rectify the situation, I promptly contacted Southwest Airlines ' and Chase 's customer service for clarification. To my dismay, I was shuffled between departments and ultimately directed to cardholder services. After engaging in a conversation with the representatives at cardholder services, I was informed that my credit card application had been denied. This revelation not only created unnecessary complications but also resulted in a negative impact on my credit report, all due to Southwest Airlines ' and Chase 's misleading advertising claims. The misleading advertisement claiming my pre-approval has caused me significant inconvenience, wasted time, and unnecessary stress. It is disheartening to realize that neither the application nor the cardholder services departments were able to reverse the application or rectify the situation effectively. The false advertising employed by Southwest Airlines misled me into pursuing a credit card application that I would have never considered otherwise. I kindly request that the CFPB thoroughly investigates this matter and takes appropriate action against Southwest Airlines and Chase for their deceptive advertising practices. Such practices not only harm individual consumers like myself but also undermine the trust and confidence that consumers place in businesses and their advertising claims. Thank you for your attention to this matter. I trust that CFPB will take the necessary steps to address this issue and ensure that consumers are protected from false advertising practices. I am enclosing copies of the relevant documentation, including the misleading advertisement. Please feel free to contact me if any further information is required.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
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 paid for a XXXX bedroom apartment stay on XXXX via my Chase Sapphire Reserve credit card. The host moved me into a studio at XXXX when they couldn't get access to my booked apartment. XXXX spent XXXX days giving me the runaround, then said that they're not going to refund the difference in cost and closed the case. When I disputed the charge to Chase, they declined to continue the dispute because I stayed in the smaller space while trying to resolve the issue with XXXX. Now I have to pay for a space that I never got to see!
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Someone on XXXX XXXX hired me as their personal assistant, and sent me a check, told me to deposit it and then send them back portion of the money at the time I didnt know it was fraud, so my Chase account was closed due to this fraudulent check I am a victim of this and now I cant find a bank that will approve me to open a checking account.
Company Response:
State: CO
Zip: 80249
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: JP Morgan ran my credit report 3 times for the same application. 2 were in the same day, but it was their automated system that I didnt authorize to run my credit report 2 in the same day. The third inquiry for the following day should be the only inquiry on my credit report.
Company Response:
State: MI
Zip: 485XX
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I bank with Chase Bank. On XX/XX/XXXX I received a notification of {$280.00} being spent on XXXX with my debit card. I called in 12 minutes to dispute the charge. My debit card was canceled and the charge was credited back to my account. On XX/XX/XXXX I received a letter that they decided the charge was authorized so on XX/XX/XXXX they would take back out the {$280.00}. I called to dispute this. I was told by customer service they made this determination because the billing and shipping address from the order were both my address they have on file. When I queatio Ed how this could possibly be I asked for any onformation they had to show this as I did not make this purchase and never received anything from Wish.com and had no access to information i the purchase. The rep from Chase gave me a XXXX tracking number for the order. That tracking number showed the purchase was delivered to XXXX XXXX California. I live in XXXX Kentucky. I was then placed on hold for an hour and a half before going to a branch to talk to someone in person. The claims manager for the branch looked at all the information I had printed, which included the tracking information Chase have me, the email notification of the original charge, and a screen shot of my call log showing the time frame of getting the notification and reporting the fraudulent charge. The branch claims manager called it in faxed over the documents with my statement and stated to me that it was very clear I did not make this purchase. When I followed up the following Monday XX/XX/XXXX on the phone, a rep said they had my information and reopened the case. They were mailing me all the information they had from the purchase to claim I authorized the purchase. When I asked what would happen on the XXXX she stated that the money would be taken out and credited right back since the case was reopened. On the XXXX the money came out and was not credited back. I called and was told they wouldn't credit the money back until after the second review of the case. Now this morning, XX/XX/XXXX I received a letter saying they have closed the case finding the charge was authorized. I have never received accurate information from Chase, the branch claims manager could see clearly I did not make this purchase, and they are refusing to give me my money back.
Company Response:
State: KY
Zip: 40214
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
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: On XX/XX/2023, I purchased a belt from XXXX XXXX. I had a change of mind due to the quality and cost of the belt. The item was returned by mail back to the sender in all of its original packaging on XX/XX/2023. To my surprise, I received the same belt back in the mail without prior notice. A letter in the package claimed the belt to be unauthentic and the company will charge my credit card for the full amount of {$610.00}. I immediately filed a dispute with Chase Bank and received a notice of valid charge in the app under Notices and Letters on XX/XX/2023. Chase Bank claimed they reached out to me to follow-up regarding the dispute and closed it due to no response. However, I never received any phone calls or email from them. XX/XX/XXXX was the most recent document posted as seen in attachment. I appealed the decision with a written letter to Chase Bank as instructed by a representative via phone. On XX/XX/2023, I received an update on the dispute. Chase Bank once again sided with the merchant and concluded the charge as valid although they state that my complaint to the merchant is valid. While you may have a valid complaint with the merchant, the results of our investigation confirm that the transactions are valid and no billing error occurred on your account. As a bank this is unacceptable and I feel wronged as a client. Chase Bank website claimed consumers are protected from : A product or service you received and are dissatisfied with. However, this is simply not true and Chase Bank should face a class action lawsuit for deceiving consumers.
Company Response:
State: MA
Zip: 02124
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I requested a withdrawal from XXXX XXXX to my checking account at CHASE. During the time it was pending, my phone and account had been stolen and hacked/compromised, and the next morning while the funds were at the time still pending. Chase urged me to close the account and open a new one. I did. They said the deposit would be kicked back to XXXX XXXX and Id have to request it again. XXXX XXXX informs me they never received the funds. A week or so of being given the run around and then I see ( where there wasnt before ) XXXX XXXX payments initiated from my account remotely to someone in California all in small increments, between the hours of XXXX XXXX and XXXX XXXX. Chase has refused to reimburse me the funds lost from this account. There are more details that i will go over when needed. They also due to this froze my account and then closed it. I will mention that while I was trying to get the funds returned, AFTER already losing the funds, they had me replace my router, my bank account, my phone, and my XXXX ID and password and they kept saying they would refund me once I did. So I did. And then They didnt. They also asked for and were furnished proof from XXXX showing that my phone had been stolen and compromised. They asked for this XXXX times each time saying they didnt know where it was. They would laugh. And hang up on me as I called everyday for XXXX months. At this point. I am exhausted. Im defeated. XXXX giant corporations, lost {$700.00} of mine, and they act like it was some life changing fortune im trying to get. Or they act like Im trying to get over on them. I just want whats mine, nothing more. Nothing less. {$710.00} was the total of the deposit and roughly XXXX I believe never made it to my hands.
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A