Date Received: 2023-05-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Chase Bank without notice decided to close my accounts. 2 Business accounts 1 credit card and a business credit line. Besides closing the account, they are holding on to my money. They said they have to mail a check. To this day I haven't received anything 15 days later. My business has no cash to operate and ACH payments are being returned like crazy. They said they mailed a letter informing me that they will be closing me which I hear from others its just a complete lie. They know how to get in touch with me when they want. I get emails and text so they aren't being honest when they say they mailed a letter. They are holding close to XXXX XXXX XXXX. I want my accounts and credit card reopened. They closed the account XX/XX/2023 today is XX/XX/2023. I called them on XX/XX/XXXX and they said their decision was final. I heard they do this a lot of customers.
Company Response:
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This item was identity theft, FTC police report was filed, XXXX XXXX was removed then re-added to my credit report. This is my second time filing a police report and I have been blocked and ignored by both the bank JPMCB Card and XXXX. I would like this issue resolved as I have now started the litigation process with the Colorado Legal service team XXXX.
Company Response:
State: CO
Zip: 81005
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Called twice. Transferred to lender dept. Had applied for Chase Freedom Unlimited. Was declined. First rep said I opened up too many Chase cards in two years. Called again. Second rep said, opened two many credit cards in two years, period. Here are my concerns : 1. Consumers should be made aware that opening up more than one credit card per year is risking their credit with the largest bank in the U.S. 2. Yet banks keep sending offers via email to open new account. 3. The first line of Chase application should state " Opening five credit cards in two years will affect your application. '' 4. I did not open five credit cards in two years. However, I am an authorized user on my husband 's card, so that counts as opening a new account. Consumers should be made aware of this. Banks are always asking would you like to add an authorized user. Finally, the ignorant lender reps were unaware that all I had to do was upgrade the Chase Freedom card I already owned, because it finally occurred to me that I might be able to just upgrade the card, which is what i was able to do. Only hitch. I have to contact four merchants and provide new security code for automatic billing, which is what I wanted to avoid in the first place.
Company Response:
State: VA
Zip: 22043
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Upon reviewing my personal credit report, I noticed accounts that I do not own were opened in my name. I noticed fraudulent accounts and inquiries that I did not authorize on my credit report and it is preventing me from receiving credit.
Company Response:
State: FL
Zip: 33020
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
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 contacted my credit card company, Chase Bank, because I believed I was being scammed by the entertainment company I hired for XXXX services for my wedding in XX/XX/2023. I believed I was being scammed because the entertainment company, XXXX XXXX XXXX, had contacted us to let us know that the DJ assigned to my event is no longer with the company and they do not have a replacement nor will they guarantee a replacement and in no circumstance will they refund me. The XXXX company also had other red flags that I had explained and my Chase agent at the time had advised me that this was enough of a reason to file a dispute against the transaction. My brother was helping me find evidence of deceptive practices against the company and contacted the original DJ we were assigned some questions. He is not under any contractual obligation the the entertainment company and contacted the XXXX simply as an inquiry but the XXXX company threatened to take legal action against us for doing that. Because I am getting married in XXXX, I wanted to avoid any legal hassle and cancelled that dispute. I was advised at the time of cancellation by the Chase agent that it may take longer but if my issue persists, that I should reopen the dispute. I had come to an agreement with the company that we will wait to see if they are able to provide a replacement and they agreed to refund us if they could not. We continued to coordinate with the XXXX company about our service until I raised a question to them about their shady practice of threatening to charge my credit card against my will to bill us for any phone calls we make to them. At that point they suddenly said they received notice of our cancellation. However this is a lie, we did not cancel. The XXXX company forged our signature on a cancellation agreement and cancelled our service on their end. So I re- opened my dispute with Chase bank XXXX XXXX. I had a very hard difficult time with this re-dispute process. Every agent I talked to gave me contradicting answers and advice. I submitted all the evidence I was asked to, including proof that the signature on the cancellation was forged. I have spent the last month explaining that XXXX filing a dispute for services not received ( as the service was cancelled against my will ) but my dispute was still filed under customer cancellation and subsequently denied. I even had dispute agents mention that they think my claim is being filed under the wrong category and they are attempting to add notes to help resolve this for me. However it was still filed under customer cancellation. After attempting to understand the reasoning behind the denial I was told by a dispute team supervisor that Im being held at fault here for filing the first dispute prematurely instead of waiting until XXXX. However, I was never advised to wait until XXXX by the agent nor was I told this was something that could be used against me back in XXXX. Every agent made it appear that my case was straight forward and they understand that the vendor would not admit to the illegal act of forgery and not to worry because they will take care of it. I also dont think this is a fair claim against me because they XXXX company themselves have never once communicated to us that they consider that first dispute as an act of me trying to cancel. Even after closing that complaint, we continued to discuss my service and the company themselves have admitted that they consider my brother ( who is not named in the contract and did not sign anything ) independently talking to the XXXX as my intent to cancel. Another dispute team supervisor told me there was absolutely nothing they could do to resolve my dispute as they have no category to cover my situation and there is no way to win my dispute because they can not take into consideration that the cancellation agreement was forged. I dont think this is fair because I think this should fall under me not receiving services since I did not willingly cancel it and it does not make logical sense for me to have signed it. The cancellation agreement itself is pretty shady because it has hidden fees that were not in the original agreement and essentially if I did sign it, I would be agreeing to not getting a refund on top of paying {$500.00} AND paying like an 18 % cancellation fine. If I genuinely wanted to cancel and didnt care about getting my money back, It would be cheaper for me to not sign anything at all. The other thing I have heard in regards to my case being denied is that I signed an agreement with the XXXX company that the amount is non refundable. Which is true but the contract also states that they will PROVIDE the service, and they have breached the contract by ending our service which should nullify the rest of the contract anyways. Not to mention you can see that they are claiming in their official statement that we signed the cancellation at XXXX PM on XX/XX/XXXX, yet they emailed us a copy of the cancellation we signed at XXXX on XX/XX/XXXX ( attached in documents )
Company Response:
State: TX
Zip: 75039
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: This complaint is about Chase Credit card services not honoring their written business agreement for how bonus points are calculated and transferred. During XX/XX/XXXX I signed up for a southwest Rapid Rewards Chase business credit card via Chase Bank which offered XXXX bonus points after reaching {$3000.00} in XXXX XXXX. Attachment 1 is the detailed business agreement : Please see highlighted text in business card attachment that describes how points are to computed at end of each cycle and should be transferred over to partner Southwest Rapid Rewards. Essentially it is all purchases minus refunds or returns. Attachment 2 : Is the formal Chase credit card statement for first month ( full account number redacted ). It clearly shows that the net spend in month of XXXX minus any adjustments and refunds was {$2800.00}. All of the transactions were completed well before the statement close date. As per these formal rules the system should have not transferred any bonus points in the month of XXXX. But their technical system has incorrectly transferred XXXX bonus points rendering them useless towards Southwest Companion pass - the original intent of the promotion. Had the points being processed and transferred correctly in the following month - XX/XX/XXXX, I would have qualified for Companion pass for two years starting in XX/XX/XXXX and valid upto XX/XX/XXXX as per the promotion. I opened the issue with them in XX/XX/XXXX and have had multiple email and phone calls with them. Whenever you speak with them over the phone the supervisors agree that points have not been correctly transferred e.g. the last conversation was with supervisor XXXX on XX/XX/XXXX and it lasted around 45 minutes. She took detailed notes and agreed to provide a resolution or formal response from Chase Marketing. I would like CFPB to help get the points correctly assiged to the right month of XX/XX/XXXX and have my Southwest companion eligibility for 24 months from the date that is corrected.
Company Response:
State: OH
Zip: 43015
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I deposited cash on the XXXX XXXX chase atm on XX/XX/XXXX. So the first time I put the whole money the amount is around XXXX to the atm and the atm couldn't recognize. So I separate the money to deposit three times. The first two times the deposit was successed but when the third time i deposit itthere 's XXXXXXXX XXXX dollar was stucked in the machine. And the atm screen shows it's technical issue and it let me to call some number. Then I went into the bank to ask help. The lady in the bank didn't go to the atm to check for me but she said her coworkers were tooking the money out behind the machine and she couldn't help we with anyting but if i call the claim department i will get my money back. So I did it and I do get a temporary credit for that amount. but then about one month after that, they took the temporary credit back and denied my claim because they didn't find any extra money. Then I filed another claim and required them to check the camera. Today I got the call, the lady of the chase claim department told me my claim was still denied. I asked her if they checked camera or not. She said she doesn't know but anyway they could not show me the video. I told her at least they need to check. She said ok. Then few hours later, the lady called me said the angle of the camera couldn't record the atm part, they couldn't see if I put money or not. I'm very angry and disappointed about that.
Company Response:
State: CA
Zip: 92620
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This account named JPMCB with the account number XXXX is listed as a charge-off on my credit report, however a balance is still being reported. I never received a 1099-C for this account. This account must be removed from credit report immediately.
Company Response:
State: PA
Zip: 189XX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
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 made XXXX XXXX auto lease payment on time but later found out Chase reported it as late payment. I contacted Chase to dispute the delinquency reporting and Chase 's response is the payment was not received on time as there was insufficient funds in my bank account at that time. XX/XX/XXXX, I disputed the decision on the basis of bank error and I submitted my bank statement to Chase, which shows there was sufficient funds at the time of my payment and there was no record of Chase deducting the payment. Additionally, Chase failed to notify me of unsuccessful payment in a timely manner. Later, I received a letter from Chase in the mail stating they agreed to ask the four major credit reporting agencies to remove the delinquency from my account. The date on the letter is XX/XX/XXXX. However, I found out recently the negative report is still not removed so I contacted Chase again. Chase stated that they have now decided the reporting is correct and they will not remove the delinquency, which contradicts the previous sent letter.
Company Response:
State: NH
Zip: 032XX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: Around XX/XX/XXXX, I decided to apply for a XXXX credit card with chase because XXXX annual fees are too high... I applied online via chase website and it acknowledged my application and it was pending. I went and took the freeze of my XXXX and XXXX XXXX credit file for a couple of weeks. I received a letter from chase wanting me to call this number : XXXX to verify it was me applying for the credit card. I called and I talked to a representative who asked me some verification questions and I answered the correctly. I kept calling to get the status of the card because on XX/XX/2023 JP Morgan ran my credit at the time it was XXXX and I received the alerts when it happened. I get another letter in the mail in XXXX same thing to verify who I am, I call them same number again they asked 2-3 questions the same as last time and I'm saying to the representative why is it talking so long to get a decision? He said, " I don't know but it's still processing and I hope they will approve it for you ''. I told him thank you. XXXX rolls around still nothing from chase in the mail nor email now I am XXXX because they ran my credit and I have no knowledge if I am getting a card or not. It don't take months to make a decision about a credit card. We are now in XXXX I get a letter from chase saying my credit is frozen and I need to call the XXXX number within 15 days or they would close the application. At this point I was still livid and thought to myself I dodged a bullet they are showing me that one : 1. ) They do bad business and 2. ) Not to do business with bad banks. I did not call but I am reporting due to the dip in my credit score it went from XXXX to XXXX I did not get denied for the credit card or approved it's in limbo but has know tarnished my credit.
Company Response:
State: AZ
Zip: 85323
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A