Date Received: 2023-06-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hard inquiry notifications on my credit report. on XXXX, I received several notifications via email from XXXX for hard inquiries on my credit report. I logged in to XXXX to see what hard inquiry I had and didn't initiate any of the 4. 1 was JPMCB- XXXX XXXX was XXXX XXXX with no contact company information. 1 was XXXX XXXX XXXX XXXX was XXXX XXXXXXXX XXXX XXXX
Company Response:
State: TX
Zip: 765XX
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Chase closed my account due to my balance being low due to their monthly fee structure. I was not given prior notice and was not warned ahead of time. This is causing me problems with applying for credit cards across the board.
Company Response:
State: NJ
Zip: 07450
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
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: Dear CFPB, I am writing this email to file a complaint against the Chase credit card dispute department. In XXXX, I initiated a dispute due to non-delivery of my merchandise from XXXX. The Chase credit card team requested me to provide an explanation via email and asked for supporting evidence. I promptly provided the required evidence as requested. Today, after over a month, I have not received any updates. However, in XXXX, I received a notification from the merchant stating that the transaction amount had been charged back by the bank. So, I called the Chase dispute team to inquire about the status update. To my surprise, their team responded that they had helped me recover {$100.00}, and {$19.00} was still outstanding. I clarified that the {$100.00} was the refund provided by the merchant for a different item return and had no relation to the disputed transaction. The customer service representative abruptly hung up the call and did not provide any further response. Upon reflection, I realized that something was amiss. My evidence clearly indicates a disputed amount of {$110.00}, and the transaction records support this. The {$110.00} has already been shown as charged back on the merchant 's page. Therefore, I suspect that this may not just be a banking error but rather a case of the bank embezzling both the {$110.00} and {$100.00} from the two separate chargebacks. I only received {$100.00}, which was the refund issued by the merchant, while the bank appears to have misappropriated the two chargebacks. I kindly request the CFPB to investigate the bank 's actions, ensure that I receive the rightful refund, and prevent any further embezzlement by the bank, taking advantage of both sides. Thank you. Sincerely XXXX XXXX
Company Response:
State: TX
Zip: 78626
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Credit Card : XXXX XXXX Issuer : JP Morgan Chase Bank XXXX : Annual Fee ( Misleading Marketing ) At the end of XXXX, 2023 I was approved for the XXXX XXXX credit card with an annual fee of {$520.00}. On XX/XX/2023 I was charged the annual fee. I contacted Chase and they stated that because the " Pricing & Terms '' does not state annual fee waived, the consumer must assume that the annual fee is due immediately after opening the account. Complaint : this is deceptive and misleading marketing practice. The bank should not leave it up to the consumer to interpret their generic and vague language in the terms of service.
Company Response:
State: FL
Zip: 32714
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I was the victim of a bait-and-switch cash back offer from Chase. They offered 20 % cash back on a purchase at a specific store with very clear terms. My purchase met all of their terms, but they have repeatedly refused to credit my account accordingly. The reason that they cite is that the charge didn't post until after the offer expired, but their FAQ page explicitly states that it's based on the transaction date not the charge posting date. Please see the attached document for a detailed timeline with supporting evidence. Also, please note that this is neither an isolated case nor an honest clerical error. Chase has repeatedly been made aware of the issue including through prior CFPB complaints yet they continue to bait-and-switch their customers with these shady " Chase offers '' on a regular basis. There are also many posts on XXXX from users who experienced the exact same bait-and-switch scam from Chase. Sure, it's a small amount of money, but the biggest bank in the country shouldn't be allowed to scam its customers with impunity regardless of the dollar value.
Company Response:
State: OR
Zip: 97211
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I booked my familys first travel ever to XXXX ( XXXX ) through chase rewards on XX/XX/2023. Travel details XX/XX/XXXX XXXX to XXXX to XXXX ; returning XX/XX/XXXX XXXX to XXXX to XXXX. On XX/XX/2023 we checked in and got our boarding pass for both flights and flew out of XXXX. At XXXX they did not let us board plane to XXXX due to husbands passport expires XX/XX/2023. I had to spend {$3000.00} to come back home next day, plus food and {$400.00} stay at yotel to get some rest. The stress and XXXX toll that this took on my kids has no price. I trusted airport airline personnel and feel we were purposely admitted to board so they can make more money out of us. I feel I trusted my credit card with this important decision and they did not tell me either. No one wants to take responsibility for the extra money I had to spend due to this ordeal. Chase representative keeps telling me they understand but do they really? This is a one in a lifetime trip for a working family like mine n dont have the extra money to spend it unnecessarily.
Company Response:
State: CA
Zip: 91335
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for the " XXXX XXXX XXXX '' with Chase Bank and was approved on XX/XX/23. I was advertised a promotional offer of XXXX bonus miles and XXXX XXXX XXXX XXXX upon spending {$5000.00} within XXXX months of opening the account. I received this offer via postal mail and online through my XXXX XXXX. I do not keep mail, but I was able to retain a printout of the online offer. Before I was approved for the card, I noted that the XXXX XXXX XXXX XXXX were not in the documents sent to me after I submitted my application. I promptly contacted Chase customer service through XXXX ( @ Chase ) on XX/XX/23 alerting them to this. At XXXX XXXX Chase responded with this message : " Good morning! Thank you for applying on our XXXX XXXX XXXX XXXX. I understand that you'd like to take advantage of the new account bonus offer where you can earn XXXX bonus miles and XXXXXXXX XXXX after spending {$5000.00} in XXXX months. Please provide your full name and zip code, so I can look into this and point you in the right direction. ^VP '' After a few hours, I had received notification of credit approval, but no mention of the XXXXXXXX XXXX confirmed by the agent in the message above. I wrote back promptly asking them to rectify this. I was told it would take a few days for a " marketing team '' to consider my question. This was despite the fact that they already confirmed that was the offer I wanted. The following day, the marketing team responded and said that I was eligible for the offer but would only apply it if I would take a photo of a physical piece of mail that confirmed it. I informed them that I did not have the physical mail anymore, but I had screenshots of the website that confirmed the offer. And, the prior agent confirmed that I was eligible. They told me they would take another few days to consider. Chase now says that they will not honor that offer without me producing a physical piece of mail despite other, sufficient documentation that the offer was indeed what I applied for. In my opinion, this constitutes false advertising.
Company Response:
State: MD
Zip: 20852
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My name is XXXX XXXX and I am a victim of sim swap. On XX/XX/XXXX, I started getting tons of spam text. My internet was cut off 15 minutes later. Calls, texts couldn't be made or received, neither the GPS was working. I went to the XXXX store in XXXX, NY. My phone was operating after the XXXX store switched my sim card. I went to XXXX XXXX and XXXX XXXX XXXX, NY. My debit card got declined. I attempted to check my bank account in XXXX XXXX, but was not successful. I got to my car, I clicked on the forgot password on the Chase application, put the same password and got in. The amounts of {$5000.00} and {$26000.00} were unauthorized moved from one account to another. Then I had three unauthorized purchases done at two different XXXX stores in the city. The purchases were made of {$8700.00}, {$15000.00} and {$7200.00}. I never got a call to verify these transactions. I called Chase to put in the claim. I got only 1 claim number for the purchase. I did a Police report. On the XXXX, I faxed the Police report number. I called on the XXXX, my claim was denied because according to Chase the purchases were authorized. They refused to email me a denial letter. On the XXXX, I faxed the police report. On the XXXX, my claim was closed again after confirming that they had the report. The claim got reopened and I got 2 claim numbers, for unauthorized transfers and the three unauthorized purchases. An XXXX XXXX had changed my password on XX/XX/XXXX and I own an XXXX XXXX. Chase saw my phone couldn't log in to the application on XX/XX/XXXX. On the XXXX, I got credit for the unauthorized purchase and XX/XX/XXXX, the XXXX Department removed the money that was credit. On the XXXX, my case was denied because until this day I still have the debit card. On the XXXX, I filled out an Executive Complaint. On XX/XX/XXXX, I got a call from the Executive complaint. I was told that they will look into my case, but they did not think the claim was going to get approved. The complaint was denied on XX/XX/XXXX. The Executive Complaint Department refuses to provide me the information that shows that my debit card was declined in XXXX XXXX and XXXX in XXXX, NY on XX/XX/XXXX. On XX/XX/XXXX, I faxed a picture of an open email that was found asking to verify the first transaction under my All Mails. Those emails were not found under Inbox or Deleted emails. On XX/XX/XXXX, I went to the branch where I filed the Executive Complaint, I was told that there was nothing else they could do.
Company Response:
State: NY
Zip: 10705
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
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 Tuesday, XX/XX/XXXX we were trying to purchase two tickets via XXXX for the XXXX XXXX XXXX XXXX XXXX XXXX playoff XXXX XXXX game in XXXX XXXX on XX/XX/XXXX. I received a text message at XXXX that said : Chase : We declined {$410.00} with card ending XXXX at XXXX XXXX Was this you? Reply YES or NO. I did not see that text until XXXX and I replied YES and received this response : Chase : Thanks. The transaction wasnt completed.. Because the response said it wasnt completed, we requested and purchased two more tickets right away. Also, because it was an online transaction, there was no way to verify if the transaction had been resubmitted. That same evening I checked my Chase credit card account online and noticed that I was charged for two transactions from XXXX when I only wanted one. I then called Chase and was told that the first purchase was approved at XXXX!!!! I was also told there was nothing we could do until the purchase had been processed and that it would take XXXX hours. In my opinion there are three reasons why I shouldnt be responsible for the {$410.00} charge : XXXX. I received the text back that said the transaction wasnt completed so we did it again. XXXX. Why did Chase approve the charge at XXXX when I didnt respond until XXXX? If that is the case, then Chase has some serious problems with their fraud alert system. XXXX. I dont understand why if something is found out right away that is incorrect and is prior to the event starting that a charge should not be able to be reversed? I knew there was a problem, and it should have been resolved that night by Chase. If that was the case, this never would have happened. My dispute isnt with XXXX but is with Chase. We purchased additional tickets based on the false information that was sent via text message. It is because of this that I do not feel that I should be charged for the {$410.00} tickets.
Company Response:
State: IA
Zip: 512XX
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: When trying to make my payment for XXXX, the website is not working. Ive called 6 times and continue to get no where. All representatives tell me that the IT department will call me. After 2 weeks of trying, Ive still not received any help or resolution. I NEED TO MAKE PAYMENT SO I DONT INCUR INTEREST CHARGES. Ive spoken to XXXX XXXX, XXXX, etc. No one at Chase will help or fix the issue.
Company Response:
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A