Date Received: 2023-05-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I tried to fill up an application to see an apartment. I got charged with XXXX dollars for the XXXX payment. When I went to see the apartment, the person didnt receive my call and blocked me instead. I cant get my money back now. The XXXX email id is XXXX by the name XXXX. Her XXXX id is XXXX XXXX
Company Response:
State: NY
Zip: 11213
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Someone opened a credit card account and it popped up on my credit report. Account opened XXXX, JPMCBCARD. XXXX {$2800.00}, want account frozen and person found.
Company Response:
State: NM
Zip: 87401
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: Scammers try to send you a paycheck for you to deposit, but the paycheck is a fraudulent one. so in your back, it will show up as + {$1000.00} and they will tell you to send it to their " XXXX '' so once you send {$1000.00}, your bank will find out that the paycheck is a fraud and you will be left with - {$1000.00}. In my case, i used an app to scan the number and it shows that so a good thing I never sent money but I did scan the paycheck, I am on the case to talk to my bank it is not real. They also sent my messages threatening if i don't send the money
Company Response:
State: CA
Zip: 90001
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-14
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Hi, In XXXX of XXXX, Southwest Airlines ran a promotion where if you purchased a flight within a 2-3 day period of time, and took a flight between XXXX to XXXX, you would earn a companion pass for flights taken between XX/XX/XXXXXXXX and XX/XX/XXXX. I immediately jumped on this because I wanted to take my son to visit my sister in Texas, and this would help me save money. So I bought and took the flight, and earned the companion pass. So the flight I wanted to take occurred on XX/XX/XXXX, the first day of the promotional period. I called Southwest about this maybe a month to a month and a half prior to the trip to explain my predicament to see what could be done. I was told that my companion pass would not be added until midnight on XX/XX/XXXX, and there was no way this could be done in advance of that date even though I had earned the promotion. After speaking with a manager, I was told to book my son 's ticket with my Southwest Credit Card points, and then, on XX/XX/XXXX, call Southwest to cancel that ticket and book my son 's flight using the companion pass promotion that I earned. Doing this would ensure that my son would have a seat and since Southwest miles are always refundable, I would get the approximately XXXX points I spent back. This was an acceptable solution to me as it allowed me to use the promotion that I had earned. Well, there was terrible winter weather during XXXX of XXXX, and Southwest Airlines experienced a major, perhaps catastrophic, disruption of service. It was a mess. So when I called them on XX/XX/XXXX to do as the manager told me, I was unable to speak to anyone at Southwest. In fact, the line picked up to a pre-recorded message that said something to the effect of " We are unable to address customer issues at this time '' and the line automatically hung up. That was a first. So, my flight was that evening, and we went ahead as planned, and I said I'd call the company to straighten things out after I got back. In fact, I waited a couple of weeks to give them time to recover from their debacle. So I called customer service on three separate occasions trying to get my points refunded. Each representative told me they couldn't do anything about this, it had to be sent to corporate to be handled. After several weeks, I received an email from corporate denying my request for the points, and the explanation they gave did not match the facts of my case. So I called back again and explained that Southwest must not understand what happened, I want this situation escalated. Then about two months after that on XX/XX/XXXX, I received this email : Southwest Airlines Response to your Inquiry ( Case # XXXX ) Dear XXXX, Thank you for taking the time to contact us. As a valued Customer, I appreciate the opportunity to respond to your concerns. I reviewed our records and found that confirmation number XXXX was a valid flown flight. While we are unable to honor your request, we are hopeful you were able to take advantage of Fall XXXX Companion offer. We truly appreciate your patronage, and we look forward to welcoming you onboard again soon. Sincerely, XXXX XXXX Southwest Airlines Again, Southwest is skirting the issue. No one is disputing that I took the flight. The dispute is that I earned a promotion that I could not use because their incompetent business operations rendered them unable to provide basic customer service to consumers. The only thing I wanted done to rectify this situation was to have the points that I accumulated by virtue of using their rewards credit card refunded to me as I was told by the manager. I have been fighting with them for five months regarding an extremely simple request. I'm not asking for extra compensation or special consideration or anything. Simply acknowledge your inability to honor the terms of your promotion and refund to my credit card the points that I EARNED.
Company Response:
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states that consumer reporting agency can not furnish an account without my written instructions Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: FL
Zip: 33032
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: A year ago I deposited a check to my bank account from my insurance Company since I had been in a car accident. The deposit was made a Saturday so the funds would be available on a Tuesday so it said, tuesday comes around my funds arent released yet so I go to the bank and they tell me they cant do anything there that I would have to call the XXXX number and get the issue resolved with them. Once I call the customer service representative says that they would have to verify the check and that it would probably take a week or so, after not hearing back I call again and the representative says that they werent able to verify if I had any other number and I said no that the number that showed in the check and the number I gave were the only numbers I had and those were working because I had just reached out to my agent, he then proceeded to call again and said it worked but the office was closed so I had to call again the next day. I call the next day and the new agent says the number is no good and I need to wait for the back office to reach back to me. I then call with my agent on the line she willingly gives them all information needed and they still say they cant verify because the number isnt in their data base. Then they proceed to tell me my account will be closed with no further information or any reason to justify. Its been a year I called back three months ago trying to get any information to what has been done since my insurance company cant recall the check since its been signed and they said the bank has the funds on hold. And the representative told me the same thing that I have to wait for back office to reach back to me didnt even take my number down or anything! Its been a year! I need answers
Company Response:
State: TX
Zip: 75702
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: Chase bank froze my checking account and closed all of my credit cards without justification. They are stating that it has to do with inappropriate contact. If they are referring to the fact that I complained about not being able to book travel on the app and the terrible service I received, that is not a good reason to do this to me. In any event, Chase did all of this without telling me first. As a result, I have no money and I have had payments reversed. There is a ton of money in my account, so nothing should be reversed. My rent payment was reversed. My XXXX credit card payments were reversed. As a result, XXXX has frozen my cards until I can make the payments. Well, I cant pay anything because Chase is holding my funds hostage and they have no right to do that. What they have done is criminal. I am trying to buy a home and this will ruin my credit, especially if my Chase cards are closed and payments are late on my XXXX accounts. I need my money out of that checking account now and I am tired of their executive office call center reps wasting my time.
Company Response:
State: NJ
Zip: 08401
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I received an offer to apply for a Chase Sapphire Visa card. I have been a longtime customer of Chase and decided to apply for it to replace my XXXX card. The application was immediately declined so I called to see what the issue was. The gentleman said you already had a Sapphire card, and you can not have 2. I told him I did not have a Sapphire card, I had a JP Morgan Reserve card years ago, the product was canceled, and Chase opted me in for a Saphire card. I have possibly used that card 1x in the last 3 years as I primarly use XXXX. The rep said he could change my card product to a Chase Flex card. I told him that would be fine. After I went through all of the disclosures, he transferred me to another department to discuss the application. The gentlemen I spoke with there said my application was dead and was never processed due to having the Saphire card, now that I no longer had the card, i would need to reapply for the one I wanted. I did that online and it was declined again. I called back for a third time and was told I never should have applied a 2nd time and that the prior agent was wrong. I was then transferred to XXXX in the reconsideration department who told me that I would have to wait 2-3 billing cycles before I could reapply. I told him I would keep my business with XXXX. He did nothing to remedy the situation or attempt to fix the problem.
Company Response:
State: OH
Zip: 45039
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My XXXX Chase Bank checking accounts have been open for almost XXXX years. On the XXXX of XXXX, I had to dispute random XXXX XXXX charges that I had not approved or known about ( I am still unsure of how they did it or what they used ; perhaps my replacement card was stolen ). A XXXX charge and a XXXX charge were reversed by the XXXX XXXX for security reasons, I'm assuming, so the maximum amount they were able to take in one transaction was XXXX dollar. I disputed those charges in my main Chase checking account, which then canceled my current debit card for the account, and they said they would mail me a new one. Chase is not very fast when it comes to replacement cards, and since I needed a debit card for the day, I went ahead and transferred everything to my second Chase checking account ( backup account ) because I had the debit card for it. Well, out of nowhere, on XX/XX/XXXX, and without warning, Chase canceled my backup account 's debit card and then continued to cancel the debit card that was on its way or has been put in the mail. At least I was only able to figure this out because XXXX XXXX was using one of the debit cards and both cards were in my digital wallet. XXXX notified me that both of my cards were suspended or restricted. I searched my entire email, all my text messages, and all my phone calls and voicemails, and no one even touched base with me before this event. My debit card just stopped working, and there was no longer a debit card to request a replacement for under either account that same day, so I went to the bank. I went to the bank branch and talked to the assistant manager or XXXX of the guys, and they told me that there was nothing there for some reason the in-house team or an algorithm or whatever flagged me as being a high-risk fraud account or something along those lines, and my account was then and I would not be able to get any of my money out at all transfers, account payments, automatic payments, or debit card payments would be flowing through the account any further, but the funny thing is that account had already been. Both accounts were already restricted and fully suspended, but for some reason, they excepted my direct deposit from my payroll check for {$2000.00}. They not only accepted it, but they held onto it and told me I wasn't going to be able to pull anything out of it at all for 10 days after I was told about the restriction because of the ongoing investigation into the disputed charges. So I will not be able to pay my car note, and I will not be able to fix my truck. I can't get my medicines. I have no money in my name, and because of this, I can't get my prescriptions. I can't even go to buy food all because Chase decided they wanted to restrict my account for no reason, or at least they're not telling me what the reason is. I'm sorry, but 10 business days is a long XXXX time, plus they're going to mail the check out to me after probably 15 to 18 days for me to receive any check, which is insane. They expect me to go without any of my money for 18 days, which is more than half the month. I can't do that. They could've given me a heads up. They could've told me. Question me if they had a problem, not just restrict accounts, cut off cars, and lock everything down. Right after they lock everything down, they go ahead and accept my payroll check. That's just horrible ethics. People on the phone and talk to the branch manager, or they were supposed to call me, but they didn't, and being a brick wall, there's no way I'm going to be able to set my funds. I have {$2400.00} in my main Chase checking account and another {$500.00} or so in my backup Chase account. These people have no remorse, no empathy, and do not care. Chase Bank probably did not care about me since I was not earning enough income and was not keeping enough money in the account to earn interest.
Company Response:
State: TX
Zip: 78218
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. XXXX XXXX XXXX XXXX XXXX XXXX Jpmcb card service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A