Date Received: 2023-06-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX of 2023 I underwent XXXX. The following day on XX/XX/XXXX to, I had a police officer, call me from the XXXX Police Department number. Claiming that I had missed a trial date in which I was supposed to be an expert witness for. The trial had to be postponed due to this, resulting in a to, I had a police officer, call me from the XXXX Oregon Police Department phone number. Claiming that I had missed a trial date in which I was supposed to be a expert witness for. The trial had to be postponed due to this, resulting in a judge filing a failure to appear charge. I work in the XXXX XXXX as a XXXX so it wouldnt be unusual for me to be a expert witness. Recently, I had submitted reports to DHS about several of my patients parents. I thought this court case most likely had to do with these reports. I was instructed that I would have warrants out for my arrest if I did not pay the fee of this charge. I was on strong painkillers, and was exhausted from XXXX the night before. I was under the influence of pain pills, as well as coming off XXXX and ended up paying this police officer {$2000.00} with XXXX, as well as {$500.00} on XXXX. Me and my mother also contacted XXXX immediately. And I was informed that I would need to contact my bank for a refund. Me and my mother contacted my bank immediately after I made this transaction. We were informed by my bank that they would refund the {$2000.00} from XXXX but were unsure if the XXXX charge of {$500.00} would be eligible for a refund. They also replaced my credit card and debit card and shut down my bank account activity. The police was also contacted, and a police report was made with a case number of XXXX XXXX. After I regain access to my bank account and was feeling much better I notice that the {$2000.00} charge from XXXX was still on my account. I contacted my bank and they stated that since I manually paid this person this charger is not considered fraud, and therefore is not covered by my bank. They informed me to contact this website for next steps to get my money refunded. I feel that this should be considered a fraudulent charge since I was under the influence, and was not a sound mind to understand that this was a scam.
Company Response:
State: OR
Zip: 97520
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In accordance with the Fair Credit Reporting Act, CHASE and XXXX Credit Bureau are violating my rights on account # XXXX. This is my second attempt for Chase and XXXX to correct my credit report regarding a late payment. As part of this complaint, I have attached a sworn affidavit, and I expect Chase and the Credit bureaus to do the same as part of their investigation. In XX/XX/XXXX, I became aware of a need to make a payment on the above account. After attempting to make payments, the payments were not made. In XX/XX/XXXX, I made a credit to the above account of {$420.00}. After making this payment I called Chase XXXXredit services, and they told me that the payment of {$420.00} would not be accepted for payment towards my account. They also said that if I could make a payment of at least {$200.00}, they would make sure that I would not get a late payment. They told me to make the payment before a certain date, which I did on XX/XX/XXXX. After this, several late fees, interest charges, and other fees were added to my account and now I have a late payment on my credit report with the credit bureaus. Chase claims that all conversations are recorded when calling, so if a serious investigation was done by Chase and the credit bureaus, they would know what I was told to do to avoid a late payment and I did it. But Chase and the credit bureaus are still claiming that I have a late payment. In accordance with FCRA, 15 USC 1681s-2 ( b ), Chase and the credit bureaus should not be " reporting information with actual knowledge of errors. '' Also, " any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate '' the reporting agency shall not furnish that information. After I was told by Chase credit services, as a consumer, that if I did such and such I would not be charged with a late payment, only for Chase to do exactly that is misleading me as a consumer and their own investigations into my claim is misleading because they never mention the phone call in which they said I would not have a late payment. This alone has me believing that Chase and the credit bureaus are not respecting me as a Consumer and violating my consumer rights with impunity. I would expect the XXXX credit bureau to remove this late payment or be fined {$1000.00} a day for reporting such.
Company Response:
State: NC
Zip: 28056
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I am a Chase XXXX Card holder. Here is chase contact info : ( Chase Executive office email- XXXX ) XXXX ( XXXX ) XXXX On Sunday I tried to redeem XXXXXXXX XXXX to my XXXX Redemption Card . The online system did not work. I decided to call an associate who said it was done. I then tried to use card for XXXX which did not work. I called back and spoke to a manager who said it would be done by Monday night. On Tuesday Night, nothing had changed and the issue was still not fixed and continued to be esclated. Essentially blamed XXXX for system errore and refused to provide me my money back as it was over XXXX XXXX I wrote letter to executive office who contacted me on Wednesday. The woman provided her information and again blamed issues on XXXX system issues and she would research the issuem So now I am out XXXX and chance I lose out on XXXX reservations using that money. Listen, not everything is going to work, but it is crazy that this can not be immediately fixed especially when acknowledging the problem. You can not advertise rewards by showing them in account and then when customer goes to use, there is all of the sudden issues. That is crazy. XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33470
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: 2023-06-15
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Chase Bank Total Checking I was asked to provide my mobile phone number by a branch employee to access my account. My checking account may or may not be closed. XXXX XXXX, 2023 Entered XXXX XXXX XXXX, XXXX, Virginia, XXXX. Met with someone to the left of the entrance, in a booth, about opening a new checking account. The person asked me for my identification to create an appointment with a banker to open an account. I made an appointment for the same day, XXXX after the time I entered the branch at XXXX XXXX The earliest time available. I met with someone and opened a checking account with a coupon that I previously requested to be delivered through e-mail from XXXX. I was asked for two forms of identification to open that account. There was no written document showing what two forms of identification were acceptable. I asked for a print out or physical copy of what I could provide to satisfy the two forms of identification requirement, to no avail. The person could only offer the options of drivers license, credit card or passport. I provided my drivers license, passport and coupon. I provided the coupon by showing that person an email from my mobile device. I digitally signed documents. I chose a debit card design. I was provided with checks and bonus disclosure terms and I exited the branch. XXXX XXXX, 2023 Entered Chase Bank, XXXX XXXX XXXX XXXX, XXXX, Virginia XXXX. Met with a person at the booth to the right after entering. I received a bonus, without meeting the requirements. I have included a copy of the document stating the requirements. I asked the person about how that was possible. I only received a direct deposit of {$340.00}, not the {$500.00} that was required. I was told that there were many different coupons and each had different requirements that were offered separately to individuals with different requirements. I was not confident the person understood what I was attempting to have answered. I attempted to rephrase the scenario differently by saying that I did not meet the requirements for the coupon to be realized as a bonus and deposited into my account, at the full value of {$200.00}. The person asked me for two forms of identification to access the account. I provided a drivers license and passport. The person then asked me to confirm my phone number, XXXX. That person then asked me to provide an authentication code. I declined. I am under an assumption that employees would not ask for verification information. With that assumption as a foundation, I declined to provide a verification PIN. The verification PIN sent to my cellular phone had been used by another bank to provide a verification PIN in the past. I dont know if that was a baiting maneuver or an intellectual attack by that person at the XXXX , Virginia , Chase branch. I dont know if it was asked in jest, if that person was actually attempting to open another account without my knowledge with my two forms of identification and a verification code or if I was overly defensive. I asked to withdraw the funds and close the account after voicing my concern of the branch asking for two forms of identification and a code for access and close the account, in the branch. The person went from the booth, to the teller and handed me an envelope with {$540.00}. I asked for a business card and left the branch to deposit the cash in a separate bank account. While walking, I realized the receipt of the withdrawal was not a closure of the account. The account was entirely withdrawn and left open. I went back to the branch, saw the booth was occupied and walked straight to wait in line for the teller. During the walk to wait at the window, the security guard asked what I could be helped with, I said to close an account. I noticed a person walking towards me. I said I needed to close an account. That person asked me to wait in a circle of chairs. I sat in a chair. A few moments later, what I believe to be the same person that asked me to have a seat, returned and asked me to follow to an office and have a seat again. I did so. I was asked for account information. I did not have any account information readily available. I handed my drivers license to that person. After a few moments of looking at a what I believe to be a computer screen, that person said the account was closed. I said ok and asked to confirm if the receipt was the proof of the closure and if that was the only proof. That person said yes. I exited the office and left the branch. I have access to the account online through Chase.com, XXXX hours after the time on the withdrawal receipt. I reviewed the bonus terms and realized that I did meet the requirements of the bonus. The terms that I believed I had agreed to were not the same as the terms of the bonus coupon. The terms that were advertised on a website and the terms that were attached to the bonus coupon were not the same. I was incorrect when stating to the person in the booth at the XXXX, Virginia branch that I did not meet the requirements of the bonus. That person did not have access to the bonus terms and, as I found out later, closed my account without a verification PIN that I was asked to provide. XXXX XXXX, 2023 I attempted to login to my chase.com account and this is a copy & pasting of the message, It looks like you don't have any accounts to show. If this info doesn't look right, please call us at XXXX. We also accept operator relay calls. If you're XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, call XXXX for assistance. If you didn't, please call XXXX for help.
Company Response:
State: VA
Zip: 221XX
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 purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I wrote Chase Bank to dispute a charge for {$250.00} to XXXX XXXX XXXX on my credit card account on XXXX XX/XX/XXXX, as the charge was done without my permission. The charge is in error as NO TERMS OR CONDITIONS WERE PROVIDED from the merchant regarding their processes & THE MERCHANT CANCELLED THE SERVICES, NO SERVICES WERE RENDERED. THE MERCHANT had the card because it was required to book the appointment. THE MERCHANT arrived on the day of the appointment and took our dogs to their grooming van. Within minutes, THE MERCHANT informed us THEY COULD NOT PERFORM the services, unless we agreed to shave the dogs. We tried to discuss alternatives, to which THE MERCHANT REFUSED. THE MERCHANT informed us they would be charging our card for the services, despite the fact THE MERCHANT cancelled the services & NO SERVICES WERE RENDERED. The requirement to shave our dogs came as a complete shock to us. The first we were told of this was at the time of the appointment. At no point were we informed prior to the appointment or at the time of booking that there was any requirement or possibility of shaving our dogs. The groomer charged our card, without our consent, even though no services were rendered. We were scammed & Chase Bank is FULLY supporting the groomer 's scam. Chase Bank denied the dispute and the dispute was then appealed on or about XX/XX/XXXX. The Bank still came back and stated they maintain their decision in the dispute. When we asked for their evidence as to why they believe the charge was valid, they refused to provide this information because they stated they did not have any evidence. How do you reach a fair or sensible decision on a dispute without having any evidence? The Bank maintains that we owe the amount of {$250.00}, which we absolutely refuse to pay as this charge is in NO WAY valid.
Company Response:
State: TX
Zip: 750XX
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: Closing an account
Subissue: Company closed your account
Consumer Complaint: In brief, the matter is about an unfair decision in my view regarding your closure of my account in 2018, at which time I resorted directly to XXXX XXXX XXXX CEO of Chase Bank, as I received a phone call from a member of his office, who indicated that such decisions could never be disclosed, and which left me to guess and I did not come up with a convincing reason, as I have not and will not commit what could be considered a violation of banking rules and customs in any way where they closed my bank accounts, which caused a huge loss in addition to moral damage.
Company Response:
State: CA
Zip: 91709
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: Closing an account
Subissue: Company closed your account
Consumer Complaint: on XX/XX/XXXX when I went to Chase bank to deposit some cash. Chase teller returned all my deposit and told me that my account checking account was restricted. right after I scheduled with a banker he told me that my account was on restriction due to fraulty check deposit with XXXX XXXX ( I am the signer of the XXXX account ) which I can sign the check and deposit to Chase account. Banker told me I need to resolve with XXXX bank first before they can lift the restriction on my Chase account. later I went to XXXX bank and the banker told me there is nothing wrong with the check I wroted to my self. there sufficent fund to fund the check amount {$870.00} and there nothing fraut on XXXX end. XXXX asked me to resolve with Chase and its Chase end that closed my account. When I called Chase support on the same today XX/XX/XXXX they told me the account is permanently closed and they have ended their relationship with me. no answer was answered. Today XX/XX/XXXX. I went back to Chase and seated with the banker and he told me reason was a transaction of {$3500.00} something check deposited I made. I have never made any this large amount to either of my Chase checking accounts. All I want is Chase is to investigate the fraudulent activity amount that I didnt made and keep my account open with Chase . Most important part of proof is I am the signer of XXXX account that I wrote check to my self and XXXX said there nothing wrong with check I wrote.
Company Response:
State: CA
Zip: 91748
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: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: On XX/XX/23 I attempted to see what balance transfer Chase was willing to take so I could pay off my balance over the next year. I asked for {$13000.00}, but Chase was only willing to open an account for {$4000.00}. I then at that point did not authorize Chase to continue with account opening or any balance transfer. I ended up going to another company for the balance transfer that I was requesting. On XX/XX/23, I was made aware that the card was opened and the balance transfer commenced without my consent. I received a text message from Chase where I responded that I did not authorize any transfer. I then tried to contact Chase and was bounced back-and-forth with 7 customer service reps all over the globe over the span of 2 hours. Once I finally was to a representative that knew their own policies, they let me know that the group that I need to speak with closed an hour before. This was only an inquiry that I made online through my bank, well old bank now, and I never authorized any account opening. I have lost all trust with them. XXXX XXXX XXXX? The only information that I have is the last 4 digits that they used when they decided to open an account.
Company Response:
State: TX
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: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I was given an exception hold for 12 days at bank teller in branch at no Morgan chase. No reason for hold and no funds available at all for those days not even a dollar. It is against regulations to do this especially without giving a reason for said hold. Check was under XXXX and from XXXX XXXX taking only three days to clear.
Company Response:
State: OH
Zip: 45365
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Problem with a company's investigation into an existing issue
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: IRS form 1099C requires box 2 and box 3 be filled as applicable. If any interest is included in the amount of cancelled debt in box 2, it must be shown in box 3. I request 1099 C be completed and filed with IRS to reflect these amounts for box 2 and box 3. I have received a notification from the IRS that does not show the forms filed with IRS reflect these amounts. IRS responded that Chase submitted records electronically and can not provide me with a copy of the forms Chase filed because it was submitted electronically to the IRS. IRS wrote to contact Chase directly with the request for the form to be sent to me. Chase declines.
Company Response:
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A