Date Received: 2023-05-22
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I redeemed two plane tickets with XXXX XXXX using credit card points on Chase Travel that were refundable on XX/XX/XXXX. However, when I tried to cancel the tickets a few months later, Chase Travel informed me that there was a {$200.00} cancellation fee associated with each ticket. Each ticket is worth {$220.00}, so this would mean the refund would be {$50.00} after accounting for {$400.00} of cancellation fees. I explained that the email confirmation I received classified the tickets as refundable, and there was no way for me to see the {$200.00} cancellation fee online when booking the tickets, and this was also not displayed when I logged into the Chase Travel portal to view the trip. At the time, I opted for a voucher because the representative kept insisting that the fare was unrefundable. However, after looking into the email confirmation further, I did not think this was a fair outcome as I believe Chase Travel deceived me by hiding this cancellation fee. I contacted Chase Travel again on XX/XX/XXXX to explain that I had a refundable fair per my email confirmation, but they again reiterated that in their system it shows as non-refundable. This information was not accessible by me, and this cancellation fee was only communicated to me after I called Chase Travel. Each call with Chase Travel takes 40mins+ after going through verifications and explaining the situations- this was my 3rd lengthy call with them on the same issue. This is a very long time suck to access basic information that is critical to my decision making when redeeming my points initially. I submitted a XXXX complaint on XX/XX/XXXX, and received a response from Chase today, XX/XX/XXXX, stating that my fare was refundable, but with a {$200.00} fee for each ticket. I looked at XXXX XXXX refund policy ( XXXX XXXX XXXX ) and there is nowhere on the website that states there is a {$200.00} fee associated with a refundable fare. I do not believe Chase conducted fairly, and in fact, engaged in Unfair practices by misleading me on the fare type, and by hiding a very large {$200.00} cancellation fee per ticket from their written communications to me. While Chase offered to credit XXXX reward points that's worth {$93.00}, my initial redemption was for XXXX points, which is worth {$450.00}. The credit does not cover the majority of my cost.
Company Response:
State: CA
Zip: 94501
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On the days of XX/XX/XXXX & XXXX XXXX I made 3 separate transactions : two of {$470.00} and one of {$880.00}. It was to the company XXXX XXXX XXXXXXXX XXXX and for services they were suppose to fulfill. Since the day of the transitions and completing the requirement they asked from me the client in order for them to complete the services they promised. It was for an evaluation per transaction and if passed they would refund me the enrollment. By XX/XX/XXXX all requirements were fulfill as well as a request for the refund. The company from there in multiple forms of communication began to go around the situation and didn't want to do what they said. They rejected my reimbursement as continue to give excuses or ignore. During the same time after multiple broken promises and patiently waiting for these issue to be resolved nothing. I also saw on XXXX XXXX and other sites had nothing but negative reviews and how they were others in similar situations. I called Chase Bank to notify them of this company taking advantage of me and the experience. They credited me with a temporary credit to only come back shortly after and reverse the credit. They didn't give me a chance to dispute and send them further information to resolve this situation. After multiple phone calls and hoping someone can help they all gave me he same answer that this can't be appealed or disputed there decision. Now I have my account overdrafted with multiple other fees added as well as some of my funds lost in the reversal. I believe that this need to be looked into and they should have given me a chance to dispute. I now would like to file a complaint with Chase Bank and ask for a further investigation. I believe they should take responsibility on this on this fraudulent transaction.
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: The company did not notify me with the accuracy of the debt. the debt is XXXX the company to remove all negative information give that company permission to realese any iinformation to any reporting agency.
Company Response:
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I received a solicitation from Chase Bank. Under the terms of the solicitation, I would receive 1 ) {$300.00} for opening a checking account, 2 ) {$200.00} for opening a savings account and depositing {$15000.00}, and 3 ) {$400.00} if I completed # 1 and # 2. I completed all terms of the solicitation but Chase only sent me {$300.00}. I called Chase three times and have been unable to resolve this complaint. In addition, I filed a complaint with the Office of the Comptroller of the Currency and they told me to file a complaint with your agency.
Company Response:
State: PA
Zip: 19002
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Based on the balance on my account, Chase intentionally processed higher transaction expenses first so that it will be able to charge overdraft fees for insufficient funds. On XX/XX/2023 I was charged 3 separate overdraft fees of {$34.00} each, totaling {$100.00} On XX/XX/2023 I was charged 2 separate overdraft fees of {$34.00} each, totaling {$68.00} On XX/XX/2023 I was charged 1 separate overdraft fees of {$34.00} each, totaling {$34.00} On XX/XX/2023 I was charged 1 separate overdraft fees of {$34.00} each, totaling {$34.00} On XX/XX/2023 I was charged 2 separate overdraft fees of {$34.00} each, totaling {$68.00} On XX/XX/2023 I was charged 1 separate overdraft fees of {$34.00} each, totaling {$34.00} On XX/XX/2023 I was charged 1 separate overdraft fees of {$34.00} each, totaling {$34.00} On XX/XX/2023 I was charged 1 separate overdraft fees of {$34.00} each, totaling {$34.00} I spoke to XXXX about the excessive overdraft charges on XX/XX/2023 and asked to speak to a manager, who also refused to refund the fees. Chase knows that I have been a customer with them for many years and always have income coming into the account. Yet the little income I make, Chase also takes it with its overdraft fees.
Company Response:
State: CT
Zip: 06118
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Money was not available when promised
Subissue:
Consumer Complaint: On XX/XX/XXXX I requested a redemption of cashback points from my Chase bank account to my XXXX XXXX checking account. External DDA Order # XXXX ) for {$77.00} cash back to your bank account number ending in XXXX was submitted on XX/XX/XXXX. and External DDA Order # XXXX ) to your bank account ending in XXXX on XX/XX/XXXX. However, I did not receive either values. In contact with the chase support, the service was very superficial.
Company Response:
State: MA
Zip: 01960
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
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: I had a payment arrangement set for a business credit card that is personally guaranteed. Card ending in XXXX. I got a new bank account because the business transitioned from an LLC to a Corporation. Because the arrangement was set for the other account, I tried to transfer money into the other account but Chase 's account wouldn't link to the new bank account. I called to let someone know to try to change the payment account and was told there was nothing I could do. Two days later, the business card was reported to my personal credit report as 60 days late. The payment would not have been late if I had been allowed to change the payment. I talked to several people and explained the situation because this inability to link the new accounts in Chase 's system cause almost a decade of good payment history on my credit report to go to waste because Chase wouldn't take the payment. Going forward, I started transferring the money from the correct account to the old one when I was finally able to connect the accounts a week later. Then one day, the payment was returned from that account even though the money was there. I called Chase to figure out the problem. They stated that the LLC 's bank account was set to be closed because when it was opened, the banker that opened it, failed to put the correct member information into the account profile. I never received a letter or any notification that this was happening. They simply froze the account and wouldn't allow me to make a payment to the credit card AGAIN. Twice, I tried to make payments and Chase 's system would do things without notifying me and causing me additional issues. Luckily, I had made another payment to the card so the card didn't have another late but it would have because Chase blocked the account with no notification. When I contacted them, I was told I needed to go into a branch to fix what the banker didn't do. The nearest branch is over 100 miles away. I tried to reach the banker, XXXX, to ask him to talk to the XXXX team to fix this and he no longer works for Chase. So not only did he XXXX up my account, he was no longer there to fix it. I never received any information as to the account closure. No notifications. No letters. No nothing. I want this fixed. The card is current and would have never been 60 days late had I been able to change the bank account to the new one. And Chase almost XXXX me again on this card, by arbitrary closure of an account because it didn't specify Member-Managed LLC in the profile and giving me little to no options to fix the issue. Chase ruined the perfect payment history because of repeated system issues.
Company Response:
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Companies involved : Chase Bank in XXXX, CA ; and Amazon.com where previous employees were scamming Amazon Prime customers : On XX/XX/23 I received a phone msg on my answer machine from people who identified as Amazon Prime ( who had my credit card info stored ) requesting authorization of a LAPTOP & CELLPHONE purchase from Amazon Prime ( AP ). Following day I recd a text msg from person who also identified as AP re the purchase of the above for approx {$3000.00} The text asked that I contact a # to authorize or cancel the said purchase. I then called them.They routed me to XXXX and then a variety of other AP associates ( same as above ). I told them I didn't purchase nor authorized purchase for a LAPTOP OR CELLPHONE. ( **I have names, # 's & records for everyone I spoke to, when you need them, as well as receipts and records for each of the following transactions ). XXXX told me it was too late to stop the transaction and they would need to refund me my money, which she said would happen very shortly. She said I would need to get the " XXXX XXXX '' app on my phone as they would need this to make it work. Being that I was quite upset & anxious to get my money back I complied with all their wishes as I believed them to be AP, a trusted company, and downloaded the app. XXXX then directed me to a coin based ATM ( at XXXX XXXX XXXX near me ) and bring my Chase Bank Card, which I did. XXXX directed me to enter my Bank Card and once completed to close down the transaction and repeat the same steps the following day. She called me the next 6 days to do the same thing. I was so worried to not get this money back that I complied with all her directions. Each time I questioned her she assured me she was acting on behalf of Amazon Prime and this is what I needed to do. On the last day as I became skeptical and questioned her, she asked if I wanted to speak to her supervisor, I said YES, that fellow assured me that she was correct in her directions to me to get my refund. I looked at my electronic CHASE BANK statement to check to see if the money had been refunded and found both my checking and savings accounts were reduced by {$30000.00} I was absolutely shocked and reported it to Chase Bank immediately. I told them I believed my bank accounts were hacked and wanted to close my accounts and return my credit and debit cards and check book. I was told by a Chase Bank representative that they thought I would be covered by insurance and have all my money returned. And was asked to contact Chase fraud escalation team and report it, which I did immediately. I was so upset that I then contacted the XXXX XXXX XXXX, XXXX division Sheriff department. I was told that this similar scam was happening to other XXXX residents and he was going to file this under Elder Abuse. I have followed up several times with Chase Bank and they keep directing me to the Fraud Squad Escalation team who basically have said it is in process and still reviewing it. I went into Chase Bank and the representative was surprised that I hadn't heard anything. This has now been 16 weeks and I feel no further ahead. I have suffered greatly at the hands of my creditors and my credit score has fallen over 200 points. I have encountered severe lack of funds and the capacity to pay the creditors on time. I have encured late penalties and interest fees. I receive calls daily from the creditors which is understandable but extremely upsetting. I am elderly, at nearly XXXX and a XXXX of 22 months and am totally beside myself. The stress has been considerable and is causing skin rashes, hives, lack of sleep and other health issues as I am a XXXX XXXX too. I desperately need your assistance and pray that you can resolve this as soon as possible. I am from XXXX and not used to your systems and unfortunately felt prey to people I thought I could trust.
Company Response:
State: CA
Zip: 92028
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I got scammed in XXXX where the impersonator was able to filed claims reversed payments from my account and had that money. On XX/XX/XXXX I got a called from someone who claimed to be a XXXX XXXX XXXX, who helped to fix bad credit in the form of giving out loans. XXXX, XXXX. I talked briefly with him. On XX/XX/XXXX, XXXX, XXXX told me he gave me a loan {$1100.00}. In order to boost my credit I need to send the loan back him via XXXX. I logged into my bank and saw that I had more money than what I had. By XX/XX/XXXX. I sent money, {$1100.00} to myself via XXXX and sent the money to XXXX, XXXX using XXXX XXXX XXXX. I didnt know the {$1100.00} was the sum of reversed transactions that XXXX XXXX XXXX XXXX online filed claimed with Chase Bank XXXX me on XX/XX/XXXX. Chase Bank did not notify me or posted the reverse transactions until XXXX. Is when I realized I was scammed. The guy took the money and refused to refund me. I filed a claim with Chase XXXX Department on XXXX XXXX. Chase Bank staff refused to investigate the scam. I was accused by all staff that I did the transactions myself and spent the money. I asked Chase to pay back the merchants for the reversed transactions where I was told by the XXXX Department that I would get my money back. Instead Chase charged me {$1100.00} to cover the money paid back to the merchants. Chase closed all my accounts, and tresspassed me from all premises. I was going to one of Chase 's Banks before I received the letter stated that I'm not allowed to go to any Chase Bank ' properties. I could have gotten arrested not knowing I was tresspassed. I'm getting evicted at my apartment because of that scam. I tried to get help for rent but I can not prove any loss of income. I called Chase day and night to get a statement or letter showing where Chase paid the merchants back, and charged me {$1100.00} to get their money back. Chase XXXX lied in a statement letter stated that I was reimbursed, and credited the money back. Before that I was lied by Chase 's XXXX staff that I was going to get the {$1100.00} back and the direct deposits that Chase took to cover what the bank paid back to the merchants. I called but kept being refferred to a XXXX from XXXX Department to get a statement stated that I was never get any money reimbursed. That person would contact me, I got no call. In the past I filed claims where I called Chase myself to submit claims all were denied. Now an impersonator went online filed XXXX claims on XX/XX/2023. All were approved by Chase. If Chase Bank has notified me on time about the filed claims the same day they were filed and approved I would avoided being scammed. Chase needs to take respinsibility for failing to protect me. I didnt share my log in information with the impersonator. Chase Bank has the resource to investigate the scam and proof that I didnt filed the claims, I didnt take the {$1100.00} myself. I submitted a report to the Police in XXXX, Florida. It is an ongoing investigation.
Company Response:
State: FL
Zip: 33810
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: While an insurance claim on XX/XX/XXXX was being processed I continued to make loan payments to keep my account from being delinquent. After the insurance companies made their over $ 60k of payments to CHASE the account was paid in full and ended up overpaid because of my continued payments during the process. Over a month I contacted CHASE for a status on my overpayment refund as the loan was paid in full. They gave me some excuses and refuse to refund me my money at all stating that they needed more paperwork from the GAP insurance company, even though the loan was already fully and totally paid off. I was never informed of this ask from them until I called. I contacted the GAP company and they were not responsive with what CHASE wanted but they already paid. After contacting CHASE again on XX/XX/XXXX I was promised a callback from a supervisor because the agent I spoke with could not understand why my refund was not processed either. I never received assistance or callback. CHASE still refuses to issue me my refund for my over payment and XX/XX/XXXX said they will keep my money unless the GAP insurance gives them more paperwork. CHASE received the full loan repayment. They have their money. I just want mine. They refuse to offer to pay me interest on my funds that they are holding, they refuse to explain what that paperwork has to do with my overpayment of the amount owed, and are holding my money XXXX for something between them and the insurance company thats out of my control. CHASE was fully paid months ago! They will not explain the reason they want that paperwork, only that they are requiring it, and on XX/XX/XXXX at XXXX XXXX XXXX XXXX # XXXX at CHASE XXXX did not want to deal with my problem and even refused to answer my basic account questions such as what my original loan amount was, the balance, and she treated me very unfairly because I simply wanted a clear and full explanation of the problem. I am truly shocked by my treatment by her. Basically at this point there I was told by XXXX at CHASE there is no way for me to ever get my money returned from CHASE unless the GAP insurance company decides to give CHASE the papers they want. Getting the $ wasn't good enough for CHASE.
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A