Date Received: 2023-06-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Today XX/XX/2023, I received a random text message saying welcome to Chase Mortgage as of XX/XX/XXXX we will be the new mortgage service provider for your account which was held with XXXX XXXX. It is my understanding that I am to receive a 15 day notice from the new mortgage servicing company and a 15 day notice from my current mortgage servicing company regarding the sale of my mortgage. I have received nothing from either company and supposedly the transfer takes place tomorrow. I have no information on new account numbers, how to access mortgage information, how to pay mortgage, status of escrow account et cetera. I do not know if the text message is a scam as I have received nothing official.
Company Response:
State: MI
Zip: 49519
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX : It appears that someone opened an XXXX XXXX credit card account with my personal information, used our business checking account number ( gathered fraudulently by hacking into our CHASE BANK online banking ), then paid off that XXXX credit card with our business checking account. The total stolen amount is of {$22000.00}. There was another attempt by potentially the same group, on XX/XX/XXXX, with a XXXX credit card for a payment of {$23000.00} charged to our business CHASE BANK checking account. Luckily chase stopped that XXXX. The one from XXXX wasn't stopped in time and CHASE is unable to return the funds because of Regulation E not being applicable for business accounts. We have opened a claim with XXXX to recover the missing {$22000.00} ( Claim number : XXXX ) on XX/XX/XXXX but we have not heard anything back to this date. Attached you will find the Chase claim, and our XXXX statements with none of the amounts matching the {$22000.00} stolen.
Company Response:
State: MT
Zip: 599XX
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/XXXXXXXX I accepted a balance transfer promotional offer from Chase. The terms of the balance transfer were : 0 % variable APR based on the Rate through your billing cycle that ends in XX/XX/XXXX XXXX with a transaction fee at initiation of 5 % the amount transferred. The attached XXXX statement reflects the application of the {$12000.00} balance transfer and the {$600.00} transaction fee. I pay the statement balance of this card automatically every month. There was no adequate indication that the statement balance would include the balance transferred under the promotional terms. The automatic payment options on this card are : " Statement balance, '' " Minimum payment, '' or " Fixed payment. '' There is apparently no option for a responsible person to arrange an automatic payment that recognizes the explicit terms of a balance transfer. The attached XXXX statement, the very next month, reflects an automatic payment of {$12000.00} ( plus {$96.00} in actual card charges ). I called Chase today to attempt to rectify the situation. The agent acknowledged that other cardholders had called with this same difficulty! I was transferred to the payments department. The only resolution they would offer was to reverse the payment, placing the {$12000.00} back onto the Chase card **at the card 's APR of 18.99 % **. Under virtually no circumstances would this be a prudent financial decision. Then I suggested they could refund the transaction fee of {$600.00}. The agent attempted to do so twice and was instantly declined twice, raising the question of what sort of adjudication, if any, is actually applied in these situations. With this practice, Chase lures customers to transfer balances up to their credit limit, using an attractive interest rate, collects a generous transaction fee, obtains repayment on a schedule that is inconsistent with the explicit terms of the offer, and then attempts to further gouge the customer at their standard rate. This is further predatory as it victimizes consumers who need their money back enough to justify a usurious interest rate. I am a responsible user of credit and to be targeted this way is the exact type of abuse the CFPB was designed to protect against.
Company Response:
State: TN
Zip: 370XX
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I purchased XXXX money orders in the amount of {$500.00} each on XX/XX/2023. The money orders were given to my leasing office, XXXX XXXX XXXX, on XX/XX/2023 via drop box, to pay the balance on my rent. The amount of the money order resulted in an overpayment on my rental account. XXXX XXXX, returned the money orders back to my home address. I deposited the money orders on XX/XX/2023 at a Chase Bank ATM in Missouri. I wrote " Deposit Only '' on the back of the money orders before depositing. The first money order showed partially available for spending. The second money order showed the funds would not be available until XX/XX/2023. I attempted to use the card at a museum on XX/XX/2023 and my card continuously declined. I called Chase and the representative advised the funds were being held because the money orders were addressed to XXXX XXXX. He advised the funds would be released pending verification of the funds availability. On XX/XX/2023, I called Chase again to receive an update on the availability of the funds deposited. The representative advised, the issue was transferred to the fraud department because of suspected fraudulent activity. I was informed the transaction needed to be verified by XXXX XXXX XXXX since their name was on the money order. Chase required XXXX XXXX to validate the information I provided about the money orders being returned. I provided multiple phone numbers for Chase to use to contact XXXX XXXX and Chase advised their system did not recognize the phone numbers. On XX/XX/2023, I called Chase Bank and was again told that they were unable to contact XXXX XXXX, however the representative questioned the purchaser address listed at the bottom of the money order. I confirmed that the purchaser address was mine and upon confirmation, he was able to confirm the contact information for XXXX XXXX. He called XXXX XXXX while I was on the phone and he was get the voicemail of the XXXX for XXXX XXXX XXXX. However since he still needed to speak with someone at XXXX XXXX, he advised me to call back later in the day to attempt to contact a manager again. It was already after XXXX EST, so I decided to call again the next day instead. On XX/XX/2023, I called Chase Bank again and spoke to a representative that repeated everything that the previous representatives told me. I provided the same contact number I provided yesterday for XXXX Homes and the representative was unable to verify the number again. The representative advised that if they are unable to contact XXXX XXXX within the next XXXX business days, Chase would close my account. At this time, I informed the representative that the funds were showings as cashed by Chase and deposited on XX/XX/2023. I also advised that the Chase representative that I spoke with yesterday was able to reach the voicemail of the XXXX at XXXX XXXX. I was also advised by the Chase representative that even if they were able to contact XXXX XXXX, that it wouldn't result in the releasing of my funds. I inquired about providing proof of my money orders purchase again and was again told that even if I could provide proof that I purchased the money orders, it would not help the fraud investigation. I inquired about what would happen to the funds if Chase closed my account. The first representative I spoke today told me that if the fraud investigation could not be sorted out, my account was closed, and the money would then belong to Chase and Chase could spend it however they wanted. The second representative I spoke with advised that if the investigation could not be sorted out and my account was closed, Chase would turn the funds over to the state of Georgia. Both Chase representatives advised that there was nothing further that I could do or provide to help resolve the issue. I purchased both money order with a debit card and I can provide bank statements to prove purchase of the money orders. I have the XXXX Receipts to further prove I purchased the money order. The manager at XXXX XXXX XXXX can confirm the returning of the money order and the reasoning for the return. Chase has stolen money and threatened to close my account and restrict me from opening future accounts.
Company Response:
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: This is a message from Amazon A refund was issued to your XXXX on XX/XX/2023 for {$270.00}. This is another item bought and returned at the same time : You've already requested a return of this item Refund issued You don't need to return the item {$32.00} refund issued on XX/XX/2023. Chase credit bank is showing those 2 amounts as negative balance charging me for both and items has been returned and refunded by Amazon.
Company Response:
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Someone was about to get in my savings account and deposit out multiple transactions in the amount of {$80.00} 16 times. I got in contact with chase bank and filed a claim and they denied me saying they could not find any evidence that my account being tampered with and then told me the transactions was made using my phone. I asked what do I need to do to get my money back they told me to file police report. I filed a police report and fax it to the claim team and they told me they never received it. I fax it over again and when they finally received it they denied it. I asked about sending my bank statements and they said they did not accept those. I asked the person well what I can do and that I was even at work when these transactions was made and he told me to get my clock in logs to show I was at work during the time. I finally got ahold of those from my job and sent them over and now they denied those saying that's not enough evidence to reopen my case.
Company Response:
State: IL
Zip: 60637
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: XXXX/Chase opened a charge card under my dead husband 's name. XXXX XXXX XX/XX/XXXX. They won't cancel the credit card. They said they need more info to get into the card. I will not provide them with any info. We only have had a XXXX card for XXXX years. There is no other bank and we never dealt with Chase ever in the past. My name is XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX They wanted my husband 's mother 's maiden name. I was reluctant. They said this card was opened in XXXX and last used in XXXX. That's impossible. I was the only person paying our bills.XXXX had XXXX XXXX and this is so wrong. This must be a scam. I don't want any closure of a credit card to ruin my credit rating. They insisted on private information. There's something very wrong. The credit card statement is {$0.00} balance but the idea they are bogusly sending a statement must be fraud.
Company Response:
State: CA
Zip: 922XX
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
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 accessed a website that I thought was the XXXX XXXX XXXX website. And proceeded to book a reservation at the XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX. The website was designed in such a way as to present itself as representing the XXXX XXXX XXXX. I later learned that the website was " XXXX XXXX XXXX XXXX XXXX Texas. '' The website asked for a deposit of {$640.00}. I immediately ( within two minutes ) realized that this website was not the XXXX XXXX XXXX and cancelled the transaction. Neither the " XXXX XXXX '' or Chase Card Services will honor my request for a refund.
Company Response:
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: XXXX Payment. My wife accidentally XXXX {$1200.00} to wrong phone number on XX/XX/2023. She filed dispute claim on XX/XX/2023, Chase XXXX completed investigation on XX/XX/2023 and do nothing. Even we had contacted the recipient ( XXXX ). He is willing to refund my wife the fund. He wanted the bank to contact him so he can refund to us. Chase XXXX has no one will contact him to confirm to the recipient that my wife is accidentally XXXX to his number. I asked the bank if there is anyway/process help us to confirm my wife is the owner of the fund and not some kind of scam. All I get answer is " No '' " nothing they can do in my wife situation '' even we have been the bank customer for more than 20 years. It is on our own. As you know, There are always errors in any processes. And the XXXX payment is even more critical because it deals with financial. There will be people losing money for just a typo. I wonder if the Consumer Financial Protection Bureau has some guide lines in place to help people to get their money back due to error. My family is stressed out over this for the last 4 weeks now. Our issue is still there, the recipient just file a claim with his bank today XX/XX/2023. I hope his bank will do something. Otherwise I am back to square one in searching for help. I hope CFPB comes up somethings soon. I believe more families/ people will be stressed out over this issue due to their mistake as my wife does. Thank you for your reading my issue concern.
Company Response:
State: CA
Zip: 92708
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I rented a car from XXXX in XXXX. This was under XXXX XXXX. The amount debited from my checking account was XXXX. This charge is VALID but relevant, as it is a charge for the car rental for the XXXX XXXX. The company ( XXXX ) then charged an ADDITIONAL XXXX. This was charged over 3 months after the rental. Of course it was checked out and there was no damage. The above amount ( XXXX ) was charged for the exact same car, rental period, name, miles driven, everything, as the amount that was already charged ( XXXX ). I have attempted to contest this charge with Chase because it is ILLEGAL AND FRAUD. Chase did not investigate the vendor to be at fault. How is that possible? They charged twice for the same rental. There was no upgrade. There was no insurance I took out. This was, again, 3 months after I paid for the car, returned it, and there was no issue with damage or any reason there should have been any secondary charges. This fraud/incorrect billing was NOT investigated by Chase. This is my last attempt the receive the stolen XXXX from Chase as the vendor will not cooperate. My next step will be civil action for breach of terms with Chase and for upholding and even encouraging fraudulent charges to my account by foreign vendors who charged twice for the exact same rental and product.
Company Response:
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A