Date Received: 2023-06-11
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 car unit from a company in NY called XXXX The car unit was very low quality and did not operate as advertised by the company. I called the company and requested a return. They sent me a return order with the details. I returned the item exactly how they wanted. I paid for the shipping myself. According to USPS, the item was delivered back to them and received by an individual that went by " XXXX XXXX ''. The tracking number ( XXXX ) was provided to the company and they said I would receive a refund within the next 24 hours but never did. At that point, I went to CHASE and requested my money back by disputing the transaction. I provided CHASE with proof that the item was delivered back to the company ( Merchant ) and was signed by an individual that went by XXXX XXXX ( The company name ). CHASE provided me with credit but then, later on, called me to provide more proof that I sent the item back. I told them I have already submitted an official printout from USPS and a conversation I had with the company where they said they would provide a refund but never did. The CHASE Rep said they would investigate and send a letter. I had no doubt this was settled since I had paid USPS for a signed delivery and the delivery was made to the exact company it was meant to be delivered for. However, CHASE Member Services sent me a letter saying they are removing the credit because of the merchant 's claim that they never received the item. EVEN THOUGH I SENT CHASE EVERYTHING THAT SHOWS THE MERCHANT 'S CLAIM TO BE FALSE. I will attach all the documents here to whoever will be reviewing this. FOR THE BIGGEST BANK IN XXXX TO MAKE SUCH A SIMPLE MATTER SO COMPLICATED IS BEYOND INEXCUSABLE.
Company Response:
State: AZ
Zip: 85308
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: There were four written correspondence in addition to two three-way calls between Chase Bank XXXX XXXX Illinois XXXX XXXX XXXX and XXXX regarding {$38.00} owed me by the bank.The Highway Authority states that they deposited this amount to my account ending in XXXX representing a refund on my XXXX. However, somewhere in that time frame, this debit card was compromised and I was issued a new card ending in XXXX. My current debit card ends in XXXX. The Highway Authority has proof of the deposit. The bank concurs that a deposit was not entered in my account. I feel it is their responsibility to track down this {$38.00}.
Company Response:
State: IL
Zip: 60174
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My Chase bank accounts Checking and Savings is being close by XX/XX/2023 because of unexpected activity. I have not done anything out of the ordinary with my Chase accounts to warrant it being closed, I use my account regularly and do not engage in illegal activities.
Company Response:
State: NV
Zip: 89113
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I was the victim of identity theft through XXXX XXXX i reported it to the bank and provided the information but the bank told me it wasnt enough information but i didnt have much information other than the transaction details and they proceeded to harass me to pay when i had no knowledge of the transactions
Company Response:
State: CA
Zip: 90302
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have a business account in JP Morgan chase. The bank account # is XXXX. On XX/XX/XXXX I made a deposit of a check in the amount of {$25000.00}. The deposit was made through a cellular application. Chase accepted the deposit and wrote a remark that the check will be cleared by XX/XX/XXXX. On XX/XX/XXXX the check was cleared and the amount of {$25000.00} was added to the account balance. On XX/XX/XXXX I received an email from Chase Integrated Payment that the account is permanently closed because the account is susceptible to a high chargeback. I called the Chase Customer Service department. Their response was : " It was hard for us to read the the name of the issuer of the check, therefore we decided to close the account ''. My complaints are : 1. Chase never contacted me to tell me that there is a problem with the check. They completed the process, cleared the check and suddenly closed the account without giving me a advanced notice. 2. Chase keeps the {$25000.00} and will not return it until I show up in a chase branch with the original check. Since I am on a business trip, I will not be able to come to a Chase branch until the end of XXXX. I am not even sure that I will be able to find the original check. 3. Chase made the deposit and gave enough time the check to clear. They didn't try to contact me either by phone, nor by email or a letter. 4. Chase closed my business account without a warning. Now suddenly, I do not have an account to continue running my business.
Company Response:
State: FL
Zip: 32547
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My cell phone XXXX was fraudulently ported to XXXX XXXX XXXX Since then on a daily basis my passwords are changed on my Chase bank account. A person in XXXX Florida submitted a rush order to send a debit card to them and my account was charged {$50.00}. Chase took care of this. Today I am unable to sign in to my XXXX 's account after receiving an email from them today. This person requested my wife 's Chase credit card be mailed which Chase sent. I called Chase and the card was cancelled and they are sending her a new one. Every day I have to fight a new action. Today my wife is unable to sign in to her Chase account because her password has been changed. They add a character to our email to access our accounts. My XXXX is changed by adding a second y after XXXX. My XXXX is changed to XXXX by adding an l. They also attempted to get into my XXXX account. XXXX is my internet provider.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I had put a dispute in with chase because I lost my card and there was unauthorized transaction on my account. They are telling me that it was authorized and I never authorized any transactions I never even spent money on my account. I only made deposits into my account.
Company Response:
State: NC
Zip: 27597
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
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 have a Amazon card through Chase Bank. On XX/XX/2023 there was an erroneous transaction from Amazon for {$150.00} Within minutes this transaction was corrected on XX/XX/2023 and Amazon refunded the amount back to the card ( Credit to Account to wash out the transaction ). Chase took the refund of {$150.00} and instead of applying it to the erroneous transaction, Chase applied it to a 0 % promotional finance special that I took advantage of to purchase a couch and treadmill from Amazon. My payments are to be {$81.00} monthly. Chase then treated the erroneous charge as a purchase though it states clearly in the statement showing amazon refunding this charge. Chase then took the {$150.00} refund as real cash and not a refund and added that as a purchase under yet to be a charged interest balance. They deducted {$150.00} from my 0 % interest and created a transaction basically of $ XXXX 27.24 % APR. If I do not want to be charged interest I have to pay {$230.00} ( XXXX + XXXX ) to defer interest on a transaction that was refunded. So technically, the {$150.00} that was refunded was stolen by Chase and applied to a 0 % promotional special and then applied the refunded charge as a charge to my account at 27.24 % APR. I called Chase about this and they refuse to fix this item.
Company Response:
State: AL
Zip: 35124
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On or about XX/XX/2023 I logged into my Chase credit card account and noticed two expensive charges for airline tickets on XXXX XXXX that I did not make : XX/XX/XXXX {$3800.00} flight from XXXX to XXXX via XXXX XX/XX/XXXX {$1700.00} flight between airports unknown This is identity theft. I did not make these charges, nor did I authorize them. I immediately called the number on the back of my XXXX XXXX credit card ( XXXX ) and reported the fraud. The gentleman with whom I spoke also noticed there a third unauthorized charge of {$16.00} to XXXX XXXX. All three charges were removed from my card, my card ending in XXXX was cancelled, and Chase issued me a new card that I received and began using on XX/XX/XXXX. I thought this was the end of the matter and there was no reason to put anything in writing. This is not the first time one of my or my wifes credit cards has been misused, and we have never had to write any letters to Chase or any other credit card company to resolve the issue. About a week ago I received two telephone messages from someone with a heavy XXXX accent saying she wanted to discuss charges to my credit card ending in XXXX. The person did not leave her name or any phone number so I could return the call. Because this was the card recently cancelled and I have had many scam phone calls from XXXX, I was suspicious. I called again the number on the back of my XXXX XXXX credit card ( XXXX ) and asked if these phone messages were legitimate calls. The person who responded told me that anything concerning credit card fraud would be handled by letter, not a phone call, and that it was probably a scam. A few days ago, I picked up a call and it was a woman with a heavy XXXX accent saying she worked for Chase credit card company. She did not provide me with her name or any other identification information. She asked me why two months before I had approved a charge on XXXX XXXX that I was disputing. I responded that I sometimes get messages about possible fraud from one of my credit card companies, and I did not get any message recently concerning any flights costing thousands of dollars on XXXX XXXX. I would surely have remembered that. If I did get such a message, I likely would have thought it concerned a restaurant or XXXX charge that I recently had made. She said because I had approved the charge, I had to pay for the airline ticket of the person who had committed fraud. If my approving one of these airline charges was an issue, I do not understand why it was not raised when I first reported these charges on XX/XX/XXXX when my memory of any communications would have been fresh. I asked her to send me the message that Chase had sent me asking me to approve these charges, if there was one, as well as my response so I could understand how there could have been a misunderstanding. She refused to provide that information. I also requested the name and other information for the passengers ( s ) on the flights that were fraudulently charged to my credit card. She also refused that information. When I got off the phone, I suspected this was part of an elaborate scam. Then today I found that Chase had posted back to my credit card the fraudulent charge of {$1700.00} flight between airports unknown on XX/XX/XXXX. The others may reappear as well. I still have never received a single written communication from Chase on this matter and do not have a case number or anything similar. I strenuously object to paying for any of these fraudulent transactions. I asked Chase to put all future communications to be in writing. I also requested that Chase remove all of these charges appear on my credit card account pending resolution so that Chase does not charge me interest. I asked Chase to provide information on its data breaches during the past five years, which may explain how these fraudulent charges appeared on my credit card statement. I also asked Chase to provide me information on whether I must submit this matter to arbitration before filing a law suit. I believe Chase is violating the Fair Credit Billing Act. I am XXXX XXXX XXXX and having to fight these charges is especially burdensome at my age.
Company Response:
State: CA
Zip: 95404
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: The dates are XXXX they were a lot of fraudulent transactions on my account I made the bank aware they hurried to close the claim cause I had just put money in the bank an they where no help ask them to check footage an I file claim deposit an withdrawal an they wouldnt help even faxed over paperwork proven I was not there at the time still no help
Company Response:
State: GA
Zip: 30066
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A