Date Received: 2023-06-16
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Chase bank has allowed a merchant to make an unauthorized charge on my account and keeps denying my claim even after I have given proof ( and they have proof in their system ) that it was unauthorized. Chase Bank has someone in the claims department that is intentionally allowing a merchant to illegally take my money and are trying to make me responsible for it. I'm sending this complaint because this is not fair or legal at all with that these Chase claims representatives and the people that " do investigations '' are doing. I made a claim with Chase Bank in XX/XX/2023, to receive a refund from the merchant ( called XXXX XXXX ) that gave me online service that I was not satisfied with. After a month of back and forth, the merchant refunded the money and Chase reversed the temporary credit from my account. My account was even left in the negative after the claim was resolved. While at a Chase branch ( in XX/XX/2023 ) I closed the debit card that the merchant had access to, so they wouldn't be able to charge me again. That same day I was told by a Chase banker the claim was done and resolved. Then a month and half later ( XX/XX/2023 ) I woke up to ANOTHER charge from the same merchant ( XXXX XXXX ) for the same amount of money ( {$490.00} ). Please keep in mind this charge was AFTER I closed the card that I originally gave to the merchant. And I was told that they would not be able to have access to my money again. No one at Chase could or would explain to me why the merchant was able to make an unauthorized charge on my account after I closed the card. The merchant never had access to my bank account or routing number. I disputed this unauthored charge with Chase ( XX/XX/2023 ) as it was a completely separate issue than the original refund dispute I made in XXXX. Chase continues to attach this claim to the on in XXXX even though they are completely separate issues. With months of back and forth calling tons of people in the claims department and going to two different Chase branches to get help, Chase continues to deny my claim saying that this charge was legitimate when the Chase branch bankers SAW on their computers that it was not. Chase claims representatives even put this unauthorized charge in the system as an ATM/chip transaction when that is completely false! Because the merchant provides a solely online business service. The merchant doesn't even have a physical business address their customers can go to or even meet with them. So I never made any transaction with them in person. So this has led me to believe, that someone in the Chase claims department is intentionally siding with the merchant to scam me out of my money and won't do anything about it. I don't know if someone in the claims department has pocketed that money or what, but multiple people in the Chase claims department have refused to take my proof that I have sent through fax and through regular mail. And they refuse to tell me exactly why they are siding with the merchant and not me when Chase was the one that let a completely unauthorized charge go through on my account! After I was told the first situation was resolved in XXXX and I closed my card, I NEVER spoke with or bought anything from that merchant again. So my claim for the unauthorized charge in XXXX is legitimate. Just like my claim from XXXX ( which was already resolved before this ) was legitimate as well. I see now that Chase DOES NOT care about their customers and will do absolutely nothing to help them from being scammed but fraudulent scammers on the internet. Instead they will join forces with the scammers to take money from their very own clients that have done nothing wrong.
Company Response:
State: WV
Zip: 25801
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: My issue is with Chase Card Services. The address I have been contacting is Chase Card Services XXXX XXXX XXXX XXXX DE XXXX. We have XXXX issues both during the period of XXXX XX/XX/2022. # XXXX. While in XXXX we used the card to charge on a toll bridge in XXXX while driving a rental car. The toll was approximately {$20.00} XXXX. The mistaken charge came on our credit card bill as {$200.00}. We filed a written dispute in XXXX of 2022. The response from the credit card company was that we owed the amount in question which was in error. We wrote back to the card company that the {$20.00} was authorized but not the {$170.00} # XXXX. On the same trip to XXXX our Credit card was stolen. We reported the theft within XXXX hour. We also reported the unauthorized charges of {$1400.00}. These charges were removed from our bill the next billing period but subsequently added back the month later. Every month since that time we have written a dispute letter to the card company. The card company has ignored our dispute letters and continued to bill us plus service charges and interest every month. Several months ago we cancelled the account. Now we note that the credit card company has recorded a negative past due notation on our credit report and is not indicating this is an on-going dispute. The card company continues to ignore our correspondence on both issues and simply demands payment. We have been a customer to this company for over 15 years without any issues.
Company Response:
State: CA
Zip: 92592
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 lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I seen an add on XXXX for an apartment the was for rent. They told me that once I sent the security deposit of XXXX $ they would send me the keys. I sent the money and they only sent me a lease agreement. They told me they lost the keys and that they would send me the keys once I sent first months rent of another payment of XXXX XXXX XXXX I was skeptical but sent the money anyways. They then told me that they never received the rent money and that they would just refund me the security deposit since everything was getting complicated. I contacted my bank ( Chase ) who said that both transaction were completed and successfully sent. They never sent any money back never sent any keys. I contacted my bank and told them I was scammed and that I could provide proof. They told me there was nothing they could do for me because I authorized the transactions, even if I had proof of being scammed by this person.
Company Response:
State: IN
Zip: XXXXX
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: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I called and spoke with a representative on a recorded line for my XXXX credit card ending in XXXX. The representative lied to me about the terms of the promotion and timing of receiving certain benefits. I messaged with Chase for the past two months. I requested a refund of the {$100.00} annual fee because of the misrepresentations made to me when I signed up. I spoke with multiple reps and secure messages and Chase ignored my requests and hung up on me.
Company Response:
State: CA
Zip: 90274
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: Other problem
Consumer Complaint: I was approved for the XXXX XXXX XXXX XXXX from Chase 6 months ago and received a promotion to be automatically eligible for credit limit increase after using the card for {$500.00} USD or more and paying on time within 6 months. I diligently followed their advice by using the card for more than {$500.00} USD ( approximately $ XXXX to XXXX ) and made payments on time. However, still they never increased my credit limit. No consideration given at all. This is XXXX of my first credit cards in the United States and still in the credit building stage. They said the system does the approval and can not manually override. In my opinion, a human being can override a system if they want to but I guess they don't want to. At least they should consider my situation since I am doing my best to maintain a positive credit profile. I have spoken to many of their representatives and XXXX of them is from the lending department but still to no avail did bother to help me. I just wish no discrimination was involved here. I have been using this card heavily in the past few days and months. The problem is I have to transfer money from checking account to credit card every time I make a large purchase since my limit is only {$500.00} USD.
Company Response:
State: NY
Zip: 10034
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 lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have contacted chase to advise them that transaction that took place on XX/XX/XXXX in the amount of XXXX from XXXX, order number XXXX have never arrived. Tracking number XXXX has never arrived and was trying to dispute the transaction with the bank because i have never received the merchandise i paid for. I have tried to contact the merchant by phone and email without any luck. The bank told me because i have i have paid for the order from my personal checking account they are not able to submit a clim dispute on my behalf. I do not understand why my bank will not refund me the money i have paid from my checking account to an an order that was clearly was never delivered to me, and i am claiming my money back from a fraud company. XXXX ORDER # XXXX Thank you for your purchase! We're getting your order ready to be shipped. We will notify you when it has been sent. View your order or Visit our store Order summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$27.00} Subtotal {$27.00} Shipping {$5.00} Taxes {$0.00} Total Your order is on the way Your order is on the way. Track your shipment to see the delivery status. View your order or Visit our store XXXX tracking number : XXXX
Company Response:
State: FL
Zip: 33442
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 when making payments
Subissue: Problem during payment process
Consumer Complaint: My XXXX defaulted 30 days in XX/XX/2022 due a XXXX XXXX Chase was contacted about it and issue credit other wise never late.
Company Response:
State: CT
Zip: 066XX
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On the afternoon of Thursday, XX/XX/XXXX, I was at the supermarket and received a call from a number with XXXX as the caller ID. They asked me if I had used my card at a XXXX for XXXX dollars. I said I had not, and he said that XXXX would move forward with canceling my debit card to protect me. He asked for my full name, my address, my card number, and the PIN number. Because I was frazzled about possible card fraud, I didnt realize what was happening, and I gave the PIN number. For the next three days, I checked my Chase app to see if there was anything wrong, and everything seemed fine. Five days later, on XX/XX/XXXX, all of a sudden, XXXX ATM XXXX XXXX withdrawals in my checking account, and XXXX taken from my savings account the same way. a total of {$11000.00} withdrawn on the date of XX/XX/XXXX by the Identity thief. I also saw a {$400.00} charge for a fitness company on my credit card. I had not given any credit card information in the phone. I had gotten no alerts from Chase about this, so I immediately called Chase using the number on the back of my card. I was transferred to the fraud department, who let me know that there was no XXXX transaction on the XXXX, that my original debit card had not yet been cancelled, and I was most likely robbed. After getting all the money conditionally returned to my accounts, I have spoken to a total of twenty people at Chase bank. They closed the claim last week and decided not to give me any of my money back, because I had authorized the transactions by giving my PIN number to a " merchant ''. Chase insisted that it was not their fault even though I got zero alerts when this repetitive fraudulent activity was happening, the bank itself did not catch the repeated ATM withdrawals, and the ID thief used the same language as the actual bank does. Worst of all, when one calls the number that the scammer called from, it goes to Chase menu, just like when you called the bank ( someone else called to check for me after this happened ). Under Regulation E, I should be protected : An unauthorized EFT is an EFT from a consumers account initiated by a person other than the consumer without actual authority to initiate the transfer and from which the consumer receives no benefit. 12 CFR 1005.2 ( m ). Unauthorized EFTs include transfers initiated by a person who obtained a consumers access device through fraud or robbery and consumer transfers at an ATM that were induced by force. Comments 2 ( m ) -3 and 4. Regulation E defines an unauthorized EFT as an EFT from a consumers account initiated by a person other than the consumer without actual authority to initiate the transfer and from which the consumer receives no benefit. 12 CFR 1005.2 ( m ). Comment 1005.2 ( m ) -3 explains further that an unauthorized EFT includes a transfer initiated by a person who obtained the access device from the consumer through fraud or robbery. Similarly, when a consumer is fraudulently induced into sharing account access information with a third party, and a third party uses that information to make an EFT from the consumers account, the transfer is an unauthorized EFT under Regulation E. attached documents are : evidence of the calls from the ID thief, including the Caller ID evidence of all the withdrawals happening in one day in amounts of {$100.00} that i got no alerts from the bank about.
Company Response:
State: CA
Zip: 90065
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am sending this complaint in regard to the following, account JCPMB Card. This account was obtained fraudulently on or about the date of, XX/XX/2021 with a credit limit of {$5000.00}. I've spoken directly with representatives of the company and explained that this account was opened fraudulently as well as sent in supporting documents such as proof of identity, FTC reports and proof of address. However, this account is still being reported as a charged off account with a balance of {$3000.00}. It is also reporting inconsistent and inaccurate information on all credit reporting agencies ; and according to the FCRA and FDCP these are violations of the 623 ( b ) and Section 807, as well as your company 's Regulation V. The company insists that the account belonged to me in spite of having evidentiary proof that it does not. This account is having an extremely negative impact on my livelihood.
Company Response:
State: IL
Zip: 60629
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: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: In XX/XX/2022, I purchased an airline ticket for my trip to XXXX, using a credit card. When I was about to use the return ticket to come back to USA, I found out that my father was diagnosed with XXXX XXXX. So I stayed back and missed my return flight. I had to buy another ticket for a week later. it has been advertised and promoted as credit card key selling feature is that it covers unexpected delay related sickness of the primary cardholder or family member. After coming back while reading through card benefits page I realized i can claim reimbursement for the ticket as it fits all the conditions stated on the benefit page. I submitted my claims to their claims department in XXXX of 2022. I have uploaded all the documents and records that they have requested. I have called them several times, waited for hours to talk to claims officers, send them several messages through their claims portal but despite all that, it is still showing Pending status for almost 9 months.
Company Response:
State: NV
Zip: 89113
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A