Date Received: 2023-06-17
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I bank with chase bank and have both a personal and business checking account with them. I have applied several times for both business and personal credit cards as well as a start up loan for my XXXX however I keep getting denied for a different reason every time. My business account is actually costing me money to have and I feel taken advantage of by allowing me to open the account but never allow me access to credit like every one else gets. No matter what I do i never get an approval. I was told if I could get my credit score up I would be able to be approved but this was false
Company Response:
State: CO
Zip: 80247
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited my check of XXXX dollars on XX/XX/2023 and was notified via email on XX/XX/XXXX that a hold has been put on my account and that my fund will not be available until the XXXX. I have bills and that money should be available by Tuesday XXXX and they are telling me that they are putting hold on people 's accounts when they deposit a check due to fraudulent activity. I do not believe it to be fraudulent activity because I recently deposited a check and it was deposited immediately. I want my money and I intend to sue chase if my funds are not released immediately.
Company Response:
State: CA
Zip: 91945
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
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 purchased a fridge from Amazon on XX/XX/2023 using my Amazon Visa and it arrived on XX/XX/2023. The ONLY reason I felt comfortable purchasing this fridge was because I used the Amazon Visa to purchase it and it would have been covered by Amazon 's A-Z Guarantee in the case of any issues- which they CLEARLY display on the product page ( image of the supposed guarantee attached and can be found in full here : XXXX XXXX XXXX? XXXX ) When the fridge arrived, it was easy to see that it was packaged EXTREMELY poorly, the cardboard box it was in didn't even have a bottom, just plastic straps holding the other sides together. There were two flimsy half inch sheets of XXXX on two of the sides around the fridge. That was it. Obviously, by the time I received the fridge after it was shipped by XXXX, it was pretty beat up. I immediately notified Amazon to trigger their A-Z Guarantee and they sent me an email asking for pictures of the damage. I sent those to them the very next day. At this point I would have been fine with either a refund or an exchange for a fridge that wasn't damaged. Then a few days later, I received an email stating that they did NOT receive any images from me and therefore they closed my claim?! Subsequent efforts to reach them have gone nowhere. I can't believe I have to go through the CFPB to escalate what should have been a simple matter. I ended up purchasing a replacement fridge from a local appliance dealer so at this point, I'm not interested in an exchange from Amazon, I want my money back for selling me a damaged fridge. Going forward I'll never rely on their " guarantee '' again. This entire incident has shown my husband and I that we should be putting any future Amazon purchases on our XXXX and not our Amazon Visa, and we should be limiting any purchases on Amazon to nothing more than {$50.00} because they can not be trusted to uphold their stated guarantees.
Company Response:
State: NY
Zip: 11106
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/ My company had its first big " payday '' for services. We bring entertainment to little kids birthday parties. The first payment was for just over {$4100.00}. We received a note from XXXX XXXXXXXX that the payment was to hit our bank account in 1-3 business days. The payment did not hit our account. We reached out to XXXX XXXX and they said they are not the credit card processor they have a 3rd party WE PAY by JPMORGAN do that part. We reached out to them. Their rep said we needed documentation for the service ( invoices ) we provided. The rep said we need to verify you are a real business.We showed we have been in business for over 6 years. Our website. We provided our credentials and qualification documents from the state. XXXX XXXX We provided all. The rep said they would now HOLD OUR MONEY until 120 days and return money to customers with whom we have already provided service for and they paid with a credit card. We are now in LIMBO for {$14000.00}. Also they took their fees ALREADY. We have attached correspondence and supporting documentation
Company Response:
State: IN
Zip: 46323
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Complaint is specific to monthly service fee on my Chase Bank checking account for $ XXXX. I reviewed statements as far back as XX/XX/2016 and have received a {$25.00} fee each month. Doing the math, XXXX XXXX XXXX {$25.00} = {$2100.00} that Chase has just been taking from me with no notification. I have never received anything in writing with an explanation of why I am receiving this fee. I have never received an email or an alert on my chase app. When I called to discuss I was advised they would refund one month and would log the formal complaint. I inquired if I would receive any acknowledgement of the complaint or resolution and was advised that I would not. This seemed insufficient to me, which is why I am filing this CFPB complaint
Company Response:
State: TX
Zip: 76107
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
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 with XXXX XX/XX/XXXX in XXXX, CA. The pickup time was XXXX. I was charged for the car in the class I rented ( XXXX ) and was told to wait. Hours later, they tell me all they have is an SUV. I had a large amount of miles to drive and didn't want an SUV. They told me take it or leave it. The XXXX agent also threatened to follow me home if I caused a problem ( I am not kidding ). I called Chase card to content the fact that they charged me for Car Class A and gave me Car Class C. I don't care if it is technically an " upgrade '' because I did NOT want a large SUV for such a long drive. Chase refused to even contest the charge. I demand a full credit for the charge. It is completely not what I paid for. I will also be pulling all my money out of Chase, which includes CDs, investment accounts, and family accounts. Maybe Chase should review my call with the agent who told me " well, you took it. '' That is not how you are supposed to treat customers when they are bait-and-switched by a company. Failure to credit this charge in full will be considered an admission of complicit action by Chase to ensure an inaccurate and fraudulent charge is upheld in a customer 's account.
Company Response:
State: WA
Zip: 98003
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Tow unauthorized charges on my debit card while I was traveling overseas. I reported the incident right away to my bank fraud department when I realized my card was missing and that I was unaware of these charges. Upon my return from my trip I contacted my bank for follow up they inform me that I will be responsible for the charges. I disagreed and I visited my bank on XXXX and met with account advisor and I addressed the issue with the advisor explaining why was not my responsibility because someone having and that person someone was able to used my card. they told me they will escalate the issue to higher management decision. Today XXXX the bank drawback from my account the charges without notice.
Company Response:
State: TX
Zip: 75052
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: My husband and I applied for a mortgage with Chase bank. Our loan officer was XXXX XXXX out of Washington. We were approved. In the end we chose to go with another mortgage company because chase payment was to high. XXXX XXXX did not cancel our mortgage and for three days we got emails and phone calls from title company, underwriter and our own real estate agent saying the loan was moving forward and we were good to go. Our realtor knew this was untrue and we contacted the title company and underwriter ourselves to give them that information. He then was a sore loser and withheld the appraisal that we paid for saying we did not pay for an appraisal. I have proof directly from him that says our XXXX deposit went to our appraisal. He still refused to transfer the documents saying that is never done. If it wasnt chases policy to transfer then he should have let our new mortgage company know that. Instead the only word he used in his response email to them was NO. I have proof of all of this. This man is obviously upset we chose not to go with Chase and has made us pay for it. I had to spend XXXX to get another appraisal instead of using the one we paid XXXX for. I have proof he said our money paid for appraisal. I have proof he told new mortgage company we did not pay for appraisal. There were several other things that he did that should not be the behavior of anyone dealing in financing and mortgage. What he did is dishonest, immoral and against the law if we paid for appraisal ( I have proof ) then appraisal belongs to us. I contacted his manager several times by leaving a message and sending email. No response. I am making this complaint so maybe other people will not have to experience the same thing as us. Please contact me. I am happy to provide documentation, dates, times or anything that is needed. Thank you.
Company Response:
State: OR
Zip: 97301
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/XXXX, I called Chase Bank to do a promotional balance transfer from my XXXX XXXX going to a Chase credit card. The Original rep took my XXXX card # and told me the transfer from XXXX to my Chase card would take btw XXXX days. I just checked my new card and the transfer amount of {$5000.00} has posted to my new card. The problem is my XXXX XXXX still shows {$5000.00} and no pending transactions to withdraw that money. I called Chase Bank about this and was told the original rep typed the wrong account #. I now have {$5000.00} posted on both Chase & XXXX. I spoked with the XXXX today and told her my billing period for XXXX ends early in XXXX and I don't want to be charged 2x. The XXXX @ Chase said it can take up to 30 days to post. I told her I don't want to be charged 2x for {$5000.00} because the Original rep didn't type my account correctly. She told me she can not remove the {$5000.00} from Chase. All I want done is to have the {$5000.00} removed from my XXXX XXXX before XX/XX/XXXX. I should not have to pay {$10000.00} on interest/fees when it should only be for {$5000.00}. Please investigate ... .This is not right ......
Company Response:
State: CA
Zip: 92801
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: ON XXXX I " XXXX XXXX {$150.00} TO XXXX XXXX XXXX '' DONE BY XXXX MAXIMUM DATE. ON XXXX I RENTED XXXX, BECAUSE I DON'T HAVE VEHICLE, WENT TO CHASE BANK ON XXXX XXXX XXXX FLORIDA AND XXXX TALKED TO 4 PEOPLE THAT COULDN'T PUSH THE APPROVAL THROUGH SO THEY SUPPOSEDLY " STOPPED CHECK '' ON XXXX AND " IN 2-3 BUSINESS DAY 'S {$150.00} WILL BE PLACED BACK INTO CHASE BANK ACCOUNT " .. ON XXXX AT XXXX XXXX I HAD TO CALL CHASE BANK AGAIN TO " STOP CHECK ''.. I FILED COMPLAINTS AND ON XXXX ON XXXX I CALLED XXXX WITH CASE NUMBER : XXXX AND TODAY IS XXXX AND MY {$150.00} " BILL PAY " IS NOT ON NEITHER ACCOUNT 3 WEEKS LATER AND NEITHER HAS CHASE BANK COMPLAINTS OFFICER CALLED ME BACK. NOW MY BILL 'S LATE AND MY CREDIT SCORE HIT BECAUSE I HAD TO USE CREDIT CARD TO PAY BILL'S..
Company Response:
State: FL
Zip: 32304
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A