Date Received: 2023-05-12
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: XX/XX/XXXX received a debit card in the mail with my name and expiration and a debit card number. On XX/XX/XXXX I went to the Chase Bank, and they told me that the account was under my name with my Social Security number, and date of birth and address, but the phone number and the license was wrong.
Company Response:
State: CT
Zip: 06002
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: This is complaint number XXXX for the same issue. Chase continues to " lose '' my payments that are coming from a XXXX party payer. I am XXXX years XXXX and have had this loan since XXXX of XXXX. From XXXX of XXXX to XXXX of XXXX, I made all of my payments on time. I became XXXX as of XX/XX/XXXX and per XXXX XXXX ( where my payments are coming from ), I can not submit my monthly XXXX statement to them any earlier than the week of the XXXX of every month, because that is where my XXXX date falls on. I have conveyed this to Chase MANY times. I understand that my payment due date is the XXXX of each month, however, I have no control over XXXX XXXX policies as well. As of today 's date they have not posted the FINAL payment, and I continue to be assessed late fees. I have escalated this all the way up to the Executive Office at Chase Auto Finance. A representative by the name of XXXX XXXX in Chase Auto Finance, who handled the previous complaint, conveniently told my insurance rep XXXX that my payment due date could be changed. I find this amusing that it can be changed 2 months prior to the loan being paid in full, when I asked if it could be changed XXXX years ago and was told no. I have consulted with my attorney who has advised me to keep filing these complaints and keep track of them. She has also advised me that I am NOT responsible for the late fees, as this is out of my control. As of today, I've been charged another {$15.00} late charge for a check that was mailed XX/XX/XXXX in the amount of {$610.00}. This whole issue is discriminatory to people with XXXX and creates unneeded stress to me which is not good for any of my health conditions. XXXX XXXX is doing their job correctly, Chase is not. I have been told that I am not the only account this happens to, which to me should be a sign that their process needs to be reevaluated and modified.
Company Response:
State: MI
Zip: 48146
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My father passed away with $ XXXX at chase bank. I am executor of his will. I called and was told no beneficiaries were on the account and go to a branch with my court papers and death certificate. There I would be cut a check. The branch then said my mother is the beneficiary and we needed to file a XXXX page notarized packet of papers in the mail, even after having copies of the death certificate and my court papers. I then sent the packet of papers to chase and months later am being told they did not get them. My father died in XXXX. I am now being told to file another packet of beneficiaries paperwork. This company needs to stop withholding funds that are not theres and give my mother what is rightfully hers. To give people who have lost a loved one such a hard time is a disgusting practice.
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
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: Chase Southwest Rapid Rewards card Attn : Refund unfair and sneaky transaction charge I've noticed the mysterious charge of {$30.00} transaction charge and {$7.00} cash advance interest charge on XX/XX/23 & XX/XX/23 respectively. When I called Chase, they said funding my online sports gambling account ( BETMGM ) is considered a " cash advance '' transaction and there is a {$30.00} charge and the interest will be accrued on the amount. Though I've told them that I was never aware of the fact that making a transaction at my " XXXX '' account will be considered a " cash advance '' and that the Chase app never notified me of this at the time of the transaction. I called the dispute department at Chase and spoke to 3 different agents to find out about these two mysterious charges. The last representative was the supervisor who told me " It is stated in your CC agreement that any transaction to an online sports gambling site is considered a cash advance. '' and finally hung up on me before I could plead my case where I've opened up the Chase Southwest Credit card when online sports gambling wasn't available at the time. So there is no way the Credit Card agreement had that specific clause. I sent an email message to their customer service department stating that I was never aware of such a policy/rule and asked for a refund of {$30.00} + {$7.00} a few days ago. To my surprise, they sent me a very quick and generic message stating the same response saying that the transaction is considered a " cash advance '' and they are unable to credit my account without understanding the fact that I was never aware of this " policy '' when I signed up for the credit card. And since I wasn't aware of this policy and they failed to notify me at the time of the transaction during a mobile transaction, I think I should get the refund from Chase.
Company Response:
State: CA
Zip: 91326
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: A towing company fraudulently charged my debit card on XX/XX/XXXX for {$310.00}. I immediately reported the transaction to Chase Fraud Department the next day and after several hours, Chase agreed to Refund my money. They said they would call me if they had anymore questions for me or if they needed to update my claim status. However, over 3 weeks later on XX/XX/XXXX, Chase took and reverse {$310.00} claim from my savings account. I called them right away. Chase made no attempt to notify me of losing access to these funds, and I even faced linguistic discrimination based on how I speak English : one representative demanded I use a translator. They claim that " because the thief used my card in-person, there was nothing that they would do to refund me my money. '' This violates Chase 's promise of zero fraud liability and it violates federal protections of consumers. The recourse I need is to have the {$310.00} returned to my account promptly.
Company Response:
State: IL
Zip: 61801
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2023, Chase bank called and sent a text alerting me about a {$300.00} fraudulent transaction made to a XXXX XXXX store in XXXX Arizona. I confirmed to them it was not me since I have not travel away from our home here in Texas. Chase caught it and revised the charges before it hit our checking account. The next day on XX/XX/2023, eleven transactions hit our savings account range from {$100.00} to {$500.00} right after each other in a short period of time sometime that morning. There was one {$500.00} amount taken from our checking account as well. We checked our bank account around XXXX and quickly called the bank to report the stolen money. The bank representative saw the transactions but said the withdrawals was still being requested at an ATM on XXXX XXXX in XXXX XXXX, Tx. That is not where we live or do banking business. So, I immediately filed a police report with the XXXX XXXX Police Dept on XX/XX/2023. I indicated on the report that the only business I did business with using my ATM card was to XXXX XXXX XXXX store located at XXXXXXXX XXXX XXXX XXXX Texas on XXXX, a week before the fraudulent transaction occurred. I believe my card and pin was scanned at that location, but in reality, it could have happened anywhere. There was a series of miss-steps done by the bank because on XX/XX/XXXX the representative told me that she was immediately closing my account and changing my pin and will send me a new card. Obviously, that didn't happen because the villain ( s ) withdrew moneys from our checking and savings account the next day. When we spoke with the bank representative on XX/XX/XXXX, they found the debit card had not been closed the day before and they actually closed the account at that time. So all this could have been avoided if the first bank representative did what she said on the XX/XX/XXXX. So, I filed the police report on XXXX and tried to call the bank again to submit a fraud report but wasn't able to get through. So the report was file to Chase on XXXX over the phone. They told us that they would replace the moneys back into our account until they complete a thorough investigation in 10 days. As I was preparing to file reports with the other Fraud/Identity Theft agencies, the bank did replace the moneys back into our account, so I took no further action until we heard from them. Well, today, MayXX/XX/2023, we found the transactions were all reversed with no warning and the moneys taken out of our accounts again. We called to inquire why and was only told that the transactions occurred using a pin thereby making the transactions legitimate. We have banked at Chase Bank for over 30 years and never had an event such as this. Our history doesn't reflect eleven transactions made back-to-back in one day at one ATM. Then on that same day the bank assumed we were in a different city and also in another state almost at the same time. What a preposterous assumption. What I need is to know the actual time these transactions took place and the video recording on the people making them at the ATM machines. I need this information turned over to the XXXX XXXX police dept. The Chase fraud dept employee did not do a thorough investigation if they didn't bother to seek anymore information other than the pin being used. Why didn't they look at our debit/credit history to see if there were any like transactions? Fraud happens to unsuspecting individuals every day and it normally happens with multiple transactions at one time. We need our money back. This is breaking us, we got bills, taxes, mortgages many others thing to pay. Being a loyal customer to Chase Bank for over thirty years and even have our children and friends to bank there, is such a letdown when this institution didn't show up when we needed them the most. Chase has used our moneys to become more prosperous than ever before, just to reject our claims of fraud. We need our money put back in our accounts immediately. These culprits need to be caught ; how many more people has to sufferer our fate behind their need for greed.
Company Response:
State: TX
Zip: 75052
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: This complaint is against JPMorgan & Chase Co. 's Chase Freedom Flex credit card for refusing to fulfill it's promotion of " 5 % cash back on grocery store purchases [ ... ] on up to {$12000.00} spent in the first year '' for opening a new credit card, which I did during the time of the promotion. By not fulfilling their promotion on my credit card, Chase is falsely advertising their credit card product. I applied to open a Chase Freedom Flex credit card during the time that Chase was advertising a promotion of 5 % cash back on grocery store purchases during the first year of opening the card. The advertisement read : " Earn 5 % cash back on grocery store purchases ( excluding XXXX and XXXX ) on up to {$12000.00} spent in the first year ( thats {$600.00} cash back! ) *, ** '' " This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months. '' In the " Offer Details '', the advertisement specifies that the cash back would be earned in the form of Rewards Points. The " Offer Details '' also reiterates the exclusions for the promotion : " This product is not available to either ( i ) current cardmembers of this credit card, or ( ii ) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months. '' These were the only exclusions listed with the advertisement for the promotion. No other exclusions were included on the webpage of the advertisement, nor from any of the clickable links on the webpage for the advertisement. At the time I applied for the card, ( i ) I was not a current cardmember of the Chase Freedom Flex card, ( ii ) nor was I a previous cardmember who had received a cardmember bonus for this card in the last 24 months. Therefore, according to the advertisement, I qualified for the promotion. I applied online for the Chase Freedom Flex credit card on XX/XX/2023, expecting to receive the promotion. I applied for the card while the promotion was still being advertised. I was then approved for the credit card and my account opened on XX/XX/2023, which was also while the promotion was still being advertised. However, I did not receive the advertised cash back ( in the form of Rewards Points ) on my grocery store purchases. On XX/XX/2023, I made a transaction of {$35.00} from the grocery store XXXX XXXX. Chase listed the transaction under " Groceries ''. However, Chase did not reward me 5 % Rewards Points on the transaction. I was rewarded 1 % Rewards Points on the transaction ( which is the standard reward for transactions that do not qualify for bonus rewards ). On XX/XX/2023, I made a transaction of {$77.00} from the grocery store XXXX XXXX XXXX XXXX XXXX. Again, Chase listed the transaction under " Groceries '', but rewarded me 1 % instead of 5 % Rewards Points on the transaction. This trend continues to today XX/XX/2023. I still do not receive 5 % cash back on groceries. As recourse to the situation, I called Chase 's credit card customer service 3 different times. The 2 most recent phone calls were on XX/XX/2023 and XXXX XXXX, 2023. I called to ask Chase to resolve the situation by changing my account so I would receive 5 % rewards on groceries. Each time I called, the representatives told me that my account " does not qualify, '' but could not give a valid reason why my account does not qualify. During the most recent phone call on XX/XX/2023, the representative confirmed that I had opened my account during the period at which the promotion was running. However, they said I still do not qualify because the promotion " is not for [ me ] ''. This arguement is obviously invalid. I do not fall in either of the two ( i ) ( ii ) excluded groups for the promotion, therefore I qualify for the promotion. In other words, the promotion actually is for me. In summary : According to the advertisement, I qualify for the promotion. The Chase representatives also could not find a valid reason for why I would not qualify. Yet, Chase continues to refuse me the promotion that it advertises for the Chase Freedom Flex credit card. By refusing to fulfill the promotion, Chase is falsely advertising its product, which is illegal. My final act of recourse is filing this complaint against JPMorgan & Chase Co. 's Chase Freedom Flex credit card for false advertising of it's promotion and credit card.
Company Response:
State: MA
Zip: 010XX
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: J.P Morgan Chase Bank - Sapphire Reserve Card Holder I disputed charges related to a contract for services made on XX/XX/XXXX related to the manufacturing and delivery of a custom charcoal grey suit and a pair of custom brown leather shoes with a dark brown wooden sole. Receipt indicated that the shipment would be made on XX/XX/XXXX. As of XX/XX/XXXX I indicated to the company in writing that I had not received the goods or services, that the product they sent me pictures of was not what I ordered. I had requested cancellation of this order in writing during that window. I filed a dispute with Chase for goods not received and was told following the 2 month late delivery received on or around XX/XX/XXXX, that the dispute was resolved in favor of the merchant because Chase had received a note purported to be signed by me, that said I received the goods and was satisfied. I indicated to chase that this was a forgery, as the merchant is in XXXX and there is no way I could have signed this. Additionally, it was in direct contradiction to the messages I had with the merchant. Chase Disputes Department told me there was no means to appeal the decision in favor of the merchant, specifically a manager named XXXX. After filing a report with XXXX, I was contacted by XXXX in the Executive Office. XXXX indicated that they would review the dispute. I provided supplemental information via email by my own volition, never being promoted nor told what, if any, information would be necessary. On XX/XX/XXXX, XXXX called me to say that they were still reviewing. On XX/XX/XXXX, XXXX contacted me again to say the dispute was again decided in favor of the merchant, despite my messages indicating dissatisfaction, almost two months delay in shipment, and attempts to cancel, as well as receipts indicating date of shipment to be promised as of XX/XX/XXXX. XXXX again called me on XX/XX/XXXX to say the dispute was final and my case was closed. He said that the window to review the dispute ended on XX/XX/XXXX and that I did not provide the necessary documents ( which he then listed ). However, never was this date or dispute window communicated with me, nor was I ever provided with an indication of what evidence was needed. If I had been, I would have sent along everything I had, though I do believe that the evidence provided was certainly sufficient. I asked XXXX to point me to the terms of service and where this dispute information, including time frame is provided. However, this information is not in the Terms. It is clear that the dispute process is extremely opaque, that Chase has a total lack of communication within and between departments, and that this process was completely unfair and one-sided. I plan to continue to pursue every means I can to receive fair treatment and proper information. I reasonably believe my rights as a consumer have been violated and that there are no publicly available Terms that I have agreed to, nor that were even communicated to me, setting forth the procedures of disputes and the timeline for disputes before finality, including the ability to appeal. Sincerely, XXXX - Chase ref. XXXX
Company Response:
State: CT
Zip: 06708
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I deposited 2 checks on XXXX one from XXXX XXXX for XXXX and one from a lawsuit for XXXX. Well, its the following Friday, they still have not released my funds nor the XXXX that section XXXX states they have to. So I had bills set to come out the passed weds that were returned that I will have to pay a returned check fee in but I also have no money to get by due to them not even releasing the amounts their legally obligated to do. Im buying a house at the end of the month and I pray that this doesnt affect my credit score due to returned/potentially late payments.
Company Response:
State: MI
Zip: 48035
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A united, explorer mileage plus card was opened up through Chase Bank. It was opened up in my name, fraudulently using my mothers, maiden name, and my Social Security number.
Company Response:
State: MT
Zip: 594XX
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A