Date Received: 2023-05-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/23, I reached out to an apartment listing on XXXX, and got notice given my short timeline and the limited availability of the listing to send money over. I sent a total of {$4800.00} to this individual, and never heard back from them. In addition, the individual had a lease that was not official, not was an official realtor/manager. I discovered this scam XX/XX/23, when we were scheduled to meet for an apartment tour and realized the current tenants still live there and I had been waiting with no response.
Company Response:
State: MA
Zip: 02139
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: On XX/XX/2023 @ XXXX XXXX I received a call from XXXX ( XXXX ) XXXX stating they are Chase fraud line saying someone is trying to access my card and would close it and sent new one. I said ok close it and they text me code to chase text number ( XXXX ). After five days checked my accounts and it shows still active and multiple ATM transactions in total {$3600.00}. All this ATM transactions were made each by {$140.00} {$160.00} and {$20.00} this transactions happened in two days and still my account was not giving me notifications of transactions which I received all the time. I called chase to claim fraud they said they will investigate it and never call back. After four days I called back and they denied the claim stating the person that used my ATM used face ID to pay which I dont understand and they said there is nothing they can do.
Company Response:
State: TX
Zip: 75238
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
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 am filing this complaint about the credit card charge dispute. I used my Chase Freedom Card ending XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The transaction involved the purchase of three {$500.00} gift cards. However, the store was able to activate only two of three gift cards but I was still charged for all three. I brought this to the attention of the store manager, store bookkeeper. They helped me reach out to the store headquarters and file case # XXXX to document this incorrect charge. I was also advised to dispute the charge with the credit card company to get a refund. I disputed the charge on my said credit card on XX/XX/XXXX, but my claim was declined by Chase indicating that the charge was valid. The document shared by XXXX XXXX to Chase was given to me which clearly showed that the Gift card activation had FAILED. I brought this to the notice of Chase Customer Agent and they helped me file a redispute in XXXX. There has not been any further action taken since. I reached out today ( XX/XX/XXXX ) for the status of the dispute, it has not been resolved or handled yet. I have all the documents ( store receipts ) and the letter shared by XXXX to Chase that shows the transaction had indeed FAILED. I am hoping filing this complaint will help me recover my hard-earned money.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: In March 2023, 150 {$50.00} checks were deposited into an account I hold jointly with my mother via online mobile deposit with her forged endorsement. Chase Bank allowed those checks to be deposited and the money immediately transferred into an account she holds individually ( also an online transaction ). My mother 's online banking was clearly hacked. One day later, Chase reversed the deposit of those checks stating they were fraudulent but did not reverse the transfer out. The scammers then proceeded to transfer and spend the money out of her individual account. Our joint account was {$7000.00} + dollars overdrawn. Rather than rectifying the fraudulent claim, Chase withdrew money from my individual accounts that were in good standing to cover the fraud without notifying me. By the time I saw what happened it was too late. Both my mother and I filed fraud claims against the respective accounts. Chase closed the fraud claims within 48 hours of us filing them with no notification or contact to either of us. Not only did she get hacked and have to deal with the identify theft that came with it, the hackers got away with {$7000.00} of fraudulently deposited checks and I got to pay for it from legitimate funds.
Company Response:
State: TX
Zip: 773XX
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
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: Hi, my name is XXXX XXXX I purchase a gold chain from XXXX from I return the chain because it was to small I purchase the chain on XX/XX/2023 receive XX/XX/XXXX and I requested a return on XXXX website and I took it to a XXXX store XX/XX/XXXX I received a notice on my XXXX account that the return was completed and refund at the end of XXXX. I receive my XXXX, Chase credit card bill and it showed the chain on it so i call Chase and report that I return the chain so they ask me if I thought it was fraud so theyre cancel my credit card and send me a new one while there doing their investigation, so i receive my XXXX bill the chain was not on there, so i thought the problem was fix then I receive my XXXX bill and the chain was back on it so I called them they couldnt find a fraud problem, so they asked me if I want to dispute the charges so I wrote them a letter there send me a letter in the mail few weeks later, they couldnt find any information so I am responsible for the charge
Company Response:
State: SC
Zip: 29461
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: i enrolled in overdraft in XX/XX/2022 for the purpose of mid to end of the month crisis like needing food ( medication must be taken with food or i experience serious side effects and without food i cant take my medication. i attempted to make a small purchase of some food at XXXX XXXX and my transaction was rejected, this has happened every month. their rules say it can be used up to XXXX per business day., i have only used it ONCE this month and they claim that it was because of my history, well all my debits are always covered by a direct deposit on the XXXX and XXXX of the month, there is no reason to deny this, they say its at their discretion i disagree i say they are discriminating me for not being rich. after talking with many former chase customers i found that this is a common practice for chase bank to treat rich people good and poor people are treated bad. just because i am XXXX on low income ssi does not mean i should be treated any different than the millionaire. but i am and i have had enough, this has happened every month for the past several months. when i 1st signed up for overdraft i was able to use it to the limit as per their rules but now i am not, i am being discriminated for being poor!!! they refuse to honor their written limits on overdraft., my balance is less than {$50.00} overdrawn and i should be allowed to make at least 1 more and it will be coverd by a direct deposit on the XXXX. I HAVE BEEN STARVING FOR THE PAST SEVERAL DAYS AND HAVE NOT HAD MY MEDS!!! this is the fault of chase bank for rejecting my purchase and i want this unfair practice to STOP!!!!!!!!!!!! phone number required so i provided it but i dont answer the phone I AM XXXX! email response only please!
Company Response:
State: WA
Zip: 98926
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XXXX : Received text message from Chase inquiring if I authorized a charge of XXXX. I immediately replied " No ''. Received immediate reply from Chase stating that I had already replied, which I had not. I then phoned Customer Service ( XXXX XXXX PST ) and reported that 4 fraudulent withdrawals and 1 fraudulent deposit were made to my account. Was told to file a claim directly with the Claim Department but they were already closed. XXXX : Contacted Chase Claim Department to file a claim. Provided all information on fraudulent transactions, including that they were originated in another state. Provisional credit issued. XXXX : Called Claim Department to check status of claim. Was told claim was denied due to impossibility of duplicating PIN number at chip-enabled terminal. XXXX credit rescinded. XXXX : Went to local Chase branch for assistance. Banker called Claim Department, who advised me to fax over supporting documents. XXXX : Faxed supporting documents to Claim Department. XXXX : Called Claim Department. Spoke to supervisor who said " fraud could not be proven ''.
Company Response:
State: CA
Zip: 90250
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
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 ordered an item from XXXX XXXX for {$150.00} on XX/XX/2022, which due to problems on the vendor 's end was never shipped. I first attempted to go through XXXX 's to resolve the problem. They offered to resend the item, which unfortunately also did not happen. Ultimately, I asked for a refund, and XXXX 's agreed to this plan. When this refund was never sent, I asked Chase as my credit card issuer to help resolve the problem. Their initial investigation ruled my transaction as valid, but they notably did not ask for me any documentation during this initial investigation. I then requested a re-dispute. Despite giving multiple sources of documentation ( including shipping details, and emails between myself and XXXX 's ), they again ruled the transaction as valid. They did not give any details why the emails were not considered valid proof of the vendor 's agreement to refund my charges.
Company Response:
State: CT
Zip: 061XX
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On or around XX/XX/2023, I called to report an issue with my business account XXXX XXXX XXXX XXXX that has been ongoing on my account with a feature I have with Chase Bank called Over draft assist. Ultimately the rep stated the fees were to be credited back within a few hours. A few days later I was charged additional overdraft fees due to the agent not crediting the account as stated. I spoke with a supervisor named XXXX and she reversed the additional fees but stated she could not reverse the original fees that was promised. She stated she could submit a complaint and ask for a call review for the call that was originally taken with the first agent to confirm what he said. She stated that someone will call me back with 3-5 business days. I left off the call expecting that. Because all the failed promise the account went into a snowball effect causing more overdrafts. Now on XX/XX/2023 around XXXX, I still haven't received the call and decided to call. I spoke with a supervisor by the name of XXXX. We spoke about the issue and he stated to me that basically that XXXX noted the account and never placed a request for a call review like she stated she would. Now I'm left off two phone calls expecting a resolution of what the agents stated they were going to do and failed to do.
Company Response:
State: AL
Zip: 361XX
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, I deposited a check into my business banking account, and it was to clear the following day. I contacted Chase customer service because the funds had not cleared my bank and after being on the phone for more than three hours, I went to my bank location and spoke with the bank manager. Chase refused to process the check. The following day I received a notice from Chase that the check would be held for 14 days due to the risk of the check not being paid. Prior to this check, I had deposited numerous checks from this same customer and bank and never had any issues. I depend on the funds from the business checks I receive to secure my payroll and I could not wait for the funds to be held. My customer cancelled the check and wired the funds into my account the following day and those funds were also held due to incorrect information that was given to me by a Chase associate. On XX/XX/2023, I deposited an additional check from a business customer who I have also deposited checks from and never had any issues. The next day I noticed the funds had not cleared and I was on the phone for hours attempting to find the issue for this check. I received another notice that the check I deposited would be held for 14 days due to the risk of the check being unpaid. Once again, I could not wait for the 14 days. My customer stopped payment on the check and sent the funds via ACH payment. Chase provided me with a routing number for the ACH payment which was incorrect and once again the funds were held for an additional 48 hours. After speaking with numerous Chase associates, and over five hours on the phone, the " routing '' department corrected the mistake, and the funds were available immediately. I instructed my customers that we could no longer accept checks and any future payments would need to be sent via ACH transfer. On XX/XX/2023, my customer sent an ACH payment to my business account, with the information I was provided from a Chase Associate. The funds were to be posted to my account on XX/XX/2023, but there was an additional issue, and the funds are now being held again for six days. The information provided to me by Chase was once again incorrect. I am now unable to process payroll for my employees and they have all quit and will be filing labor claims against me. I will now be forced to close my business due to errors caused by Chase Bank. This happened four weeks in a row for every deposit that has been made to my business account. The actions of Chase bank are inexcusable. When customers are routed to other countries with language barriers to provide horrible customer service for Chase Bank, and incorrect information, Chase needs to do everything they can to make sure their customers are not affected. For the past three weeks, I have spent countless hours talking with Chase associates, bank managers, supervisors, and have not received any resolution.
Company Response:
State: AZ
Zip: 85142
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A