Date Received: 2023-06-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: I paid {$6100.00} in full with an ECheck for payment of a Great Rivers of XXXX XXXX with Vantage Deluxe World Travel on XX/XX/2023. The trip has since been canceled by XXXX and many hundreds of others are affected. They lowered the price of the trip with the caveat that you paid for the trip with an ECheck or essentially with cash. They had your money and no intention of running this trip and many others. I was notified on XX/XX/2023 that the trip was canceled. I found out all the trips scheduled with XXXX were canceled through XX/XX/2023. They are still selling trips after this on their website. I immediately asked for a cash refund and was told it would be noted on my record. I sent XXXX an email with this request which has had a generic response of processing the request. I have yet to hear anything about a refund of payment. I did purchase the XXXX XXXX XXXX from XXXX included in my pricing. XXXX covered XXXX XXXX of this trip which was prior to departure of the trip. XXXX XXXX XXXX covered me when the actual trip departed. With XXXX responsible for the coverage of the trip which they canceled in full is a double whammy. My reservation with XXXX has been canceled. I explained this to XXXX in the XXXX XXXX of JP Morgan Chase and she said her system did not allow the claim to be filed.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was involved with a telephone wire transfer money order scam on XX/XX/2023. The transaction took place XX/XX/2023. The total of each XXXX direct was {$490.00}, {$490.00}, {$490.00} totaled {$1400.00}. Immediately after the phone call on XX/XX/2023 I realize I was a of victim of a SCAM ... .., I then immediately called Chase Bank to inform them that this is a scam and to the stop payment. They gave me a case number of XXXX. Chase bank wrote a letter on XX/XX/XXXX to update the claim. I received the letter on XX/XX/XXXX. The letter stated this : 1. We found that the transaction ( s ) was processed according to the information you provided or was authorized. 2. As a result, we are removing {$1400.00} from your account on or after XX/XX/2023. 3. Contact us if you would like to request the information we used for our research. I contacted Chase immediately to request a supervisor or manager to resolve this scam I was involved with. I did not authorize this transaction.
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have made numerous attempts to reach out to Chase Bank on multiple occasions : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For the past 12 months, I have been in the process of constructing my home, for which I obtained financing through a different lender. Unfortunately, Chase Bank has erroneously reported two business credit cards, ending in XXXX and XXXX, on my personal credit profile. This has caused significant financial harm, as I am now unable to secure my mortgage, with the closing scheduled in just 45 days. Here is some background information regarding the situation : I maintain multiple accounts with Chase, both personal and business. Throughout the past year, I have noticed excessive service fees being charged to my business checking account by Chase. I solely use this account to make credit card payments for my Chase business credit card. Initially, I set up autopay for my accounts to ensure timely credit card payments. However, due to Chase 's persistent excessive service fees, the money I deposited into my account was being deducted to cover these fees. Despite reaching out to Chase multiple times to rectify the issue, no one seemed to comprehend why I was consistently overcharged. This cycle persisted for months, with Chase continuing to levy excessive fees. Eventually, I managed to secure an in-person appointment, during which a bank representative promptly recognized the excessive charges as the root cause of the reported " late '' payments on my personal credit report. The representative refunded the excessive bank charges and acknowledged the error. However, they were unable to rectify the credit reporting issue as it fell outside their department 's purview. Subsequently, I contacted Chase Credit Reporting multiple times, only to be informed that they do not consider this a banking error. Instead, they advised me to dispute the matter with the credit bureau. According to them, the investigation would reveal the excessive charges and the removal of my account from autopay, leading the credit bureau to remove the negative reporting. This conversation was recorded on XXXX XXXX XXXX XXXX XXXX and I encourage Chase to review the call if necessary. Given that Chase acknowledges this as their mistake, it is perplexing why they are unwilling to rectify the negative reporting directly, without requiring my involvement with the credit bureau. I am currently scheduled to close on the house that I have diligently saved for over the years. However, due to Chase 's error, their subsequent acknowledgement, and their reluctance to correct the situation, my mortgage application has been declined, jeopardizing my dream of building this home.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: XXXX XXXX Deposited two third party checks into my account under XXXX XXXX. They were in the name of XXXX XXXX, a friend, who endorsed the backs of the checks with his signature in terms of the branch instructions. I did this because he uses an online bank and can only withdraw checks under a certain amount on their app. These checks were for {$5000.00} and {$19000.00}. XXXX XXXX Received a notice from Chase that my account had been restricted. I phoned the number in the letter and spoke to someone in the fraud team. This rep informed me that the issuer of the $ XXXX check had a red flag due to fraudulent checks and they would need to investigate. I gave them an explanation of the situation and answered all their questions- Im not asked for XXXX contact number. I was told I would find out on the XXXX XXXX XXXX if my account would be open again but would be frozen until then. XXXX XXXX My account remains frozen so I phone again. I was told that I hadn't given them a contact number for XXXX and that I was informed in the first call that that is what they needed. I provided them with two contact numbers for XXXX but, according to their number verification system, these numbers didnt belong to him and that they would not be able to contact him. I spoke to Chase 4 times on this day, trying to figure out how to get a number that suited their system. I was in contact with XXXX the whole time who is completely willing to assist in resolving any issue. He even registered a new number to his name to satisfy their system but apparently this wasn't coming up under his name either. When I asked them to check my number, it came up with two names : me and someone I'd never heard of. Im told I could go to a branch to withdraw the funds that were in the account before the deposits. If I dont provide them with a verified number for XXXX , my account would be closed. XXXX XXXX I phoned Chase 6 times. Throughout these calls, I received different accounts of what was wrong and different solutions. One rep called XXXX even told me that there was no restriction on my account and that I should be able to access it by the end of the day. She even said she was certain that there was no risk of closure of my account. Another rep tried to contact the issuing banks for verification but some didn't answer the phone so she had to give up. The next rep told me that even if they got verification from the issuing banks, that would change nothing as they needed to speak to XXXX. At one point, I spoke to a supervisor who told me that all they needed was XXXX to tell them he authorized me to deposit the checks but they would only be able to speak to him through a phone number verified by their system which was obviously faulty. I suggested different ways to contact XXXX including him giving an affidavit or certified documents but the supervisor said that only getting a verified number for him would work. One rep said that even if XXXX was to go to a branch with his ID, they still would not approve him. I went to the branch to withdraw the funds which were in the account before the deposit in line with what they said multiple times. The branch had to call the same team for permission to release funds but was refused. Another rep in the branch told the person helping me that she must hang up and call again because shed get a different answer from a different rep. She phoned and was refused again. I phoned while I was in the branch and was told that I could withdraw funds and stated that theyd make a notation on the account so the branch wouldn't need to phone in themselves. The notation never appeared on my account, the branch phoned in again and was refused authorization for the withdrawal. My account will be closed and there is nothing I can do about it despite the fact that all parties involved can confirm that there is no fraud. I got mixed information constantly and its clear that their systems are broken.
Company Response:
State: NJ
Zip: 07302
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: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I tried to open a Chase account with Chase they keep closing it I don't know why they won't give me any information they won't tell me what happened nothing they just say close it just says close the account I want to know the reason why I'm not allowed to chase when I never did anything to Chase they won't send me any paperwork nothing so I would like to know the reason why and if there's a way to fix it
Company Response:
State: NY
Zip: 10541
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 {$2100.00} worth of clothing from XXXX XXXX XXXX XXXX XXXX on XX/XX/2022, but I did not receive the item, nor did I receive delivery information from the seller nor any proof of delivery I have discussed with the bank, the bank has investigated and still confirmed that the transaction is valid, but the bank has not sent any proof that the transaction is valid, thank you
Company Response:
State: MA
Zip: 017XX
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: On XX/XX/2023, I purchased XXXX garbage bags packs for {$850.00} from XXXX to be delivered in XXXX, and it seems the company is called elite electronics, but I am unsure as a lot of this is fake since they are scamming and not going by real names. A few days later I received a bogus tracking number, which XXXX confirmed over the phone, came from XXXX ( i didnt purchase from XXXX XXXX and was going to somebody else ( they wouldnt tell me who since it was a different address and name ). I disputed the charge and waited to hear back from Chase. A few weeks later I get an email from chase saying to open the letter on my account, but I was checking my personal account for the letter, since it wasn't being specific about which account to open. I called chase and asked and they told me to ignore because it was an error. Eventually I see I was rebilled for the {$850.00} so I called Chase on XX/XX/2023. They explain to me that they tried to call me twice and left a voicemail ( I didnt get any ). They tell me that since I didn't answer they closed the case and can not reopen it as too much time has passed and the other party provided a tracking number which says it was delivered to the same city ( I told them I dont live in the entire city, I have a specific address and UPS confirmed it wasn't delivered there based on the tracking number provided ). I explain to them I never got the product and it was scammed but theyre unwilling to open the case. I never received any written communication about this or anything. I was also under the impression that my purchases were protected and that is why I got the credit card in the first place. In my fury and in hopes of using the closure of my account to persuade them, I asked to be transferred to someone who can close my account. They transfer me and the person asks me why I want to close my account. I tell them why in hopes that they want to retain me as a client and willing to work with me. Instead without warning or explanation of any consequences my account is immediately closed. I lost about ~ {$1000.00} worth of credit card points that I had no intent of giving up. I was never told this would happen if i closed my account, I was never warned about anything, just suddenly closed. Chase obviously didn't do their due diligence here, it is required by law that they do proper due diligence which includes calling XXXX and confirming this information, it also includes checking proofs of delivery and not accepting the same city to mean the same address, also means matching signatures of buyer and person who accepted the package.
Company Response:
State: NY
Zip: 10023
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I got an email from Chase saying they are reviewing my application about the Chase Freedom Unlimited. I tried calling Chase and they are asking about debit or credit card number, which I do not have at all. I already have my credit frozen.
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX XXXX Inquiry date XXXX Jpmcb XXXX Inquiry date XX/XX/2021 Somebody used my information to inquiry about a credit card and appeared on my hard inquires i want to get this removed from my credit report hard inquiries. After talking to the credit company itself they found no further information on the matter therefore they told me to write to you guys
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX, my customer out of XXXX XXXX, Minnesota was wiring {$21000.00} to my company for work provided here in Oklahoma XXXX. Friday, XX/XX/XXXX the money was not in my checking account, so my office XXXX contacted A/R at ( XXXX ) our customer to advise it still was not showing up that it had been sent. XXXX XXXX advised that the funds were not withdrawn until overnight Thursday, so it should be showing up by Monday, XXXX. The funds never appeared. Tuesday, XX/XX/XXXX contacted customer again and stated he had wired funds to the account that was emailed to him on XX/XX/XXXX. We did not send the customer an email with that information, so after he provided us with an email showing from ( our email address with the bank routing and account number ) we immediately knew this was fraud. Immediately contacted bank about the fraud and customer to do a " Request Reversal '' since it was sent to the wrong account number. Called Chase again XX/XX/XXXX to find out we needed to do. Chase stated since the funds never appeared in " XXXX '' checking account there was nothing they could do. We asked why the funds were wired to an account that did not match our name and address, and Chase representative stated they do not check that, ( even though it is required on all domestic wire transfers ). Another call to local Chase bank, spoke to XXXX XX/XX/XXXX, he then advised nothing they could do. We would need to get a lawyer at this point, even though during this time Chase had already investigated and admitted they did find the wire as XXXX. Also on XX/XX/XXXX, I contacted my email XXXX and IT personnel at XXXX and they could not find any email that was sent on XX/XX/XXXX from my IP address. So either they " Mirrored '' my email or my customers has not been found out.. So my complaint is that JP Morgan Chase Bank did not and admitted they did not take the proper steps and matching the wire transfer with our company name and address. Chase is responsible for the Request Reversal so that their Bank can get customers money back and then pay My company.
Company Response:
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A