Date Received: 2023-05-30
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I received a letter, dated XX/XX/2023, stating my checking and savings accounts were going to be closed due to a decision made based upon a previous account that had been closed which was not the case. My online access was also blocked stating " due to suspicious activity ''. An XXXX number was provided which I called and was told the bank had the right to close my accounts. Fortunately, I did transfer funds from the accounts slated to be closed to a new institution prior to my online access being locked prior to the date stated in the letter. Bank representatives stated my online access was blocked and would not be reinstated even though I had five existing accounts held by Chase that were not being closed. I stated I needed access to those regardless of whether or not the checking and savings were scheduled for closure as I opted for electronic documents versus paper. We received the attached document stating the accounts would not be closed with an apology for any inconvenience this may have caused. The accounts are in fact closed and this was verbally confirmed by a bank representative on XX/XX/2023. JP Morgan Chase Bank
Company Response:
State: VA
Zip: 22309
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: My business checking account had an unauthorized withdraw of XXXX $ in XXXX of XXXX. I have disputed the ach withdraw for the last year and a half with chase bank with XXXX XXXX XXXX times of the claim being denied for different reasons. such as no police report, I then got a police report did not file with in time, we had reported originally with in their time frame. They also claim since we have received payment from another account at the merchant before that all transactions from that merchant are valid. I have a police report and documents at the city of XXXX XXXX with the case number XXXX
Company Response:
State: TX
Zip: 76248
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I purchased tickets on a flight to XXXX XXXX with XXXX XXXX through my Chase Rewards portal in XX/XX/2022. I received a message in XXXX that my flight was changed, but I spoke with Chase and confirmed these changes. On XX/XX/XXXX, I received another notification that my flight had been changed and I needed to get in contact with Chase. When I called Chase informed me XXXX XXXX switched me return flight from a direct to a connecting flight through XXXX. Meanwhile there are TWO direct flights operated by XXXX XXXX to a XXXX XXXX. Chase was able to change me back to a direct flight. However, the attendant I double checked and informed me that Chase had not actually secured me a spot on the return flight and that I would have to select another flight. This is absolutely unacceptable. I paid for a reserved a seat through Chase on a plane that is still operating and somehow I no longer had a seat. When I asked how this could happen she informed me that it was a result of XXXX. However I do not understand how XXXX could remove me from a seat that had been accurately paid for by me through Chase without further notice. It was only after asking Chase why they are unable to protect their client 's seats or make arrangements that do not include cancelling the entire trip and having to rebook 2 weeks before the event at a higher rate that she put me on hold for 30 minutes and returned to inform me that my seat was resecured. Not only was this a waste of and hour of my day cause intense frustration and concern, but leaves me with no confidence in Chase 's services for which I am paying. As I stated, the representative could provide no explanation as to how Chase " lost '' my seat. I am also concerned that I was only able to regain my seat after considerable discuss about my frustration with this situation.
Company Response:
State: NY
Zip: 10024
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I purchased a United Airlines ticket using my Chase United Explorer Visa on XX/XX/XXXX for {$1900.00}. I opened this account specifically because the card offered Trip Cancellation/Delay insurance and offered me points for purchasing a United flight XXXX My flight was scheduled to depart on on XX/XX/XXXX. However, due to inclement weather ( there was a large winter storm system affecting the entire country ), one of the legs of my trip was cancelled, and I was forced to rebook to a nearby destination the following day. This required me to book a last-minute hotel and pay for meals ( {$380.00}, not covered by United, they do not reimburse for weather ) and book a land taxi and water taxi to my final destination. On my return trip, the last leg of my flight was cancelled due to weather, and I was told no flights were available for multiple days. Therefore, I rented a car for {$240.00} and drove the 7 remaining hours home. I filed a claim with XXXX XXXXt XXXX ( the vendor responsible for administering Chase 's trip delay/cancellation insurance through XXXX ) on XX/XX/XXXX. I provided them with my original itinerary and charges, screenshots of the texts from the airline announcing the delays and cancellations, a receipt for my taxis, and a receipt for my hotel and food. On XX/XX/XXXX, they responded requesting a copy of my original itinerary ( which I had already provided ), and any credits received from United Airlines. I supplied this information. On XX/XX/XXXX, they responded requesting receipts for my meals. I supplied the receipts for my meals. There were several phone calls with customer service reps in this timeframe asking them to confirm that they had everything they needed, which I was assured they did. I followed up on XX/XX/XXXX as I had not received a final response, and was told my claim was in the final review stages and I should have a response soon. On XX/XX/XXXX, I received an email from XXXX XXXX XXXX asking me to supply my original itinerary, a copy of the rental car receipt, and a copy of my rescheduled trip ( all items I had already provided ). I called XXXX XXXX XXXXXXXX for an explanation, and they stated someone would review my claim within 6 business days, and they would try to have the claims examiner call me within 48 hours. Meanwhile, almost 6 months have already passed since the filing of the claim. I believe this " benefit '' of trip cancellation/delay insurance is a scam in which ChaseXXXX XXXX XXXXXXXX attempts to prevent consumers from using their contractual benefits by drawing out review periods and continually asking for documentation that either ( 1 ) has already been provided or ( 2 ) was never mentioned in previous communications.
Company Response:
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XXXX XXXXChase bank closed all my checking and savings accountsthey didn't tell me any reason!
Company Response:
State: NY
Zip: 11220
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: There is currently a billing error in my Chase Bank account in the amount of - {$47.00} dollars. Account numberXXXX
Company Response:
State: NY
Zip: 10462
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My debit card was used fraudulently at an ATM while in XXXX XXXX and chase refuses to credit my for it. The amount was {$400.00} on XX/XX/
Company Response:
State: NV
Zip: 89139
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I deposited a check via Chase ATM from a payout due to an accident I was in via my insurance company ( XXXX ). I was given the wrong information and should have never cashed the check although it was made out to me it also had third party lien holder on it which is my cars finance company ( XXXX XXXX ). The funds from the check was processed into my account and a few days after my account was frozen due to fraud because the check was not endorsed by me and the finance company. I contacted Chase and although they said they understood the situation and it happens they would need either for XXXX to issue another check with the right endorsements, XXXX bank representative to recall the check ( in this case XXXX XXXX XXXX ), or for them to speak directly with my finance company to give a verbal okay to cash the check. I tried to get in contact with the finance company first and they said none of them numbers I provided them cleared through their phone number authentication process. I contacted XXXX to have then to reissue another check and they said they could not because it was already cashed. I asked Chase was the check cashed and they told me no it was just pending and another representative told me yes and that it was sitting in a special account for held funds. My claims adjuster from XXXX contacted their bank representative and tried to start the recall process and they were given the run around for weeks. I called with a XXXX representative on a three-way call to try to help move the process and they tried to make it seem like there was no knowledge of a cashed check or my account when the XXXX representative introduced herself they said that it was a mistake and that they misheard me. Chase Bank is withholding funds and wont release them back to my insurance company. The back and forth has been going on for almost a year at this point. The check was cashed XX/XX/22.
Company Response:
State: IL
Zip: 618XX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
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: Was told that my account would show XXXX balance & stated paid in full if settled a debt a few years ago. Little worried as it shows on my record until 2026.
Company Response:
State: CA
Zip: 94070
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2023 I called Chase to dispute the amount of {$9000.00} from merchant Premiere. I certified mailed the dispute letter with evidence a few days later which includes ( copy of service contract, merchant advertisement, emails and timeline of events ). On XX/XX/XXXX, I received Chase letter providing merchant response that the contract states a 3 day cancellation policy. On XX/XX/XXXX, I uploaded my response that merchant promised a specific date of filming service before contract was signed but changed the date well after the 3 days ( date was changed by merchant on XX/XX/XXXX ) and uploaded everything I already sent by certified mail to Chase which includes the full service contract. I called and spoke with Chase rep XXXX at XXXX asking if all is received and she confirmed. I asked if they needed anything more and she said that if they have questions, they will contact me. That never happened. On XX/XX/XXXX I was notified by Chase that the charges are valid and case is closed. The reason is because merchant claimed services rendered in full in their letter dated XX/XX/XXXX. Merchant 's exhibit provided a snippet of the service contract which purposely omitted the sentence that states the service of production ( filming ) which has not yet occured. This is the same service contract that was provided by me in full on the XX/XX/XXXX letter and uploaded on XX/XX/XXXX as supporting evidence. Between XXXX XXXX, I explained this over the course of several phone calls to Chase dispute team and asked how I can appeal or request to re-open the case. The account supervisor, XXXX on XX/XX/XXXX did not even try to help me... she told me to go to Chase.com without any guidance and pretty much told me that the result will be the same. I asked my local banker XXXX in the Chase XXXX location to help and she was told the result will be the same. No one was able to explain to me why when clearly the evidence shows merchant lied. I went ahead with the request to re-open and that in itself was the most frustrating experience. Every time I spoke with a Chase rep, I was told different things ( fax it, mail it, upload it to document center ) which I did all of them. But by XX/XX/XXXX, I was told Chase did not receive the fax from Chase XXXX, nor the uploads because I find out it goes nowhere once case is closed, nor the certified mail yet. It wasn't until I spoke with XXXX that night at XXXX he suggested I send a secure message through my signed in Chase portal. Finally I get a response that it went through. On XX/XX/XXXX, I received a letter stating the charge of {$9000.00} is valid without reasons or context. I called on XX/XX/XXXX and spoke with XXXX first, got disconnected, called again, got XXXX, disconnected, called once more and spoke with a lady. She told me that the reason why they can't re-open is because the date for Chase to respond back to merchant has expired. It expired on XX/XX/XXXX. So how can I request to re-open a dispute when I only received notification from Chase on XX/XX/XXXX that the case is closed?! This doesn't make sense. If Chase knew the expiration date was XX/XX/XXXX, and the merchant last responded on XX/XX/XXXX, why was I, the consumer/cardholder not notified much sooner so I can easily disprove their claim with evidence that was overlooked?? What boggles my mind is that I provided on XX/XX/XXXX with the full contract already which disproves the merchants claims on XX/XX/XXXX! It seems that if the merchant responds with any bogus claim, the merchant wins regardless of conclusive evidence. Chase dispute team handled this case incompetently and the whole ordeal is a sham. Most of the reps are not well trained to help you through a dispute. Not only was my family victimized once by the merchant but again by Chase 's dispute team who is suppose to help the consumer who has no knowledge of how this process works.
Company Response:
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A