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: On XXXX I was a victim of fraud A person who said he was from my bank instructed me to buy gift cards to cancel a {$4500.00} charge on my credit card.. I was panicked and confused and followed their instructions. I purchased {$800.00} of gift cards before I found out it was a common scam involving older people. I'm XXXX. Because I actually used my credit card, the bank won't refund the money. I think they should consider my mental state that allowed this to happen. I disputed this twice, once with my daughter who told them I have some signs of XXXX, and when that was denied I reopened the dispute with the help of my case manager. They denied me again.
Company Response:
State: CA
Zip: 94541
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Re : Notice of disputed charge to Account XXXX. XXXX XXXX XXXX XXXX Dear Sir : I am writing to dispute a charge of {$200.00} to my credit account on Chases XX/XX/XXXX statement. The charge is in error because the account was closed in XX/XX/XXXX and paid in full XX/XX/XXXX. Im requesting for the charge plus any interest to be permanently removed. Im also concerned that Chases continuous charges will be reported to the credit bureaus and negatively affect my credit. In XXXXXXXX XXXX XXXXXXXX, I received a statement for {$99.00}. In XXXX, I spoke with Chases customer service that transferred me to dispute representative XXXX that transferred me to XXXX, dispute representative. In XXXX, a {$50.00} credit was attached to my account from an overcharge dispute in XXXX XXXX XXXX, but Chase attached to my account {$49.00}. Since XXXX, interest has been attached to {$49.00} and as of today the charge is {$200.00}. In addition to XXXX telephone conversations, a letter was sent disputing the charge and I requested the removal of {$110.00} on XX/XX/XXXX statement. On XX/XX/XXXX, Chase Credit Card Service, Customer Service, XXXX XXXX XXXX XXXX, XXXX, Delaware XXXX, received the letter, USPS, tracking no. XXXX, I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement.
Company Response:
State: VA
Zip: 22191
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: Opening an account
Subissue: Unable to open an account
Consumer Complaint: This all started about a year or two ago when I first opened an account with chase. I wasnt happy with the excessive NSF fees I was charged by them in a very short span of time almost {$2000.00}. So I decided to change banks but my account was overdrawn by almost {$700.00} in fees. So fast forward to XXXX XXXX I called to see about establishing a new account with chase since they are more stable then my current bank. When I called and spoke with the recovery department they said I could open a new account if I set up an arrangement to pay off the old one all I had to do was go to the branch and have the branch call the department to have them authorize the new application. So I went to the branch today located a XXXX XXXX XXXX. XXXX the banker I first worked with started the interaction off on a bad note when trying to open the account. I had already spoken to the people I need to so I could open the new account. I told her to start the application and call the recovery department. After I explained to her the situation she said Thats not how we do things at chase call the people you spoke with and get their information. I left and called the department back and spoke with XXXX who confirmed I was giving the correct information by her department, they informed me the proper policy for my situation and said to go back the the branch and have them call. So I went back with all the information in hand talk to XXXX the same banker, was told we close in an hour, come back tomorrow, I dont want to open an account for you, if this takes longer then an hour then Im leaving she finally called the recovery department after I repeatedly asked her to and she spoke with XXXX who said that I had to pay first before opening the new account, when I asked why I was informed something different by two different people he said I dont know after all that I asked to speak to the branch manager because I was getting two different stories for different people. The branch manager said he would have to pull up my account to figure out the issue but I need to give him a second since he was working the counter. When I was finally able to speak to the branch manager he didnt even hear my side of the situation, he immediately went to the banker asked what happened and took her side. When he and I did speak he keep refusing to look into this situation and said well Im telling you that we are not going to open the account until you pay. I asked him why the recovery department are telling me something different even gave him the agent ID for XXXX and he still refused to do anything and took a tone of get out of my branch. After calling the proper department again and escalating it to the management team there I spoke with XXXX and he informed me that XXXX and the branch manager and XXXX where actually incorrect and that in fact XXXX and the other agent had given me the correct information. Both XXXX and the branch manager should have reached out again to do more research into the issue not just take it at face value and refuse to even start the application. So all in all because of the lack of training and a failure to do their due diligence I am now left with no bank account to receive my paychecks and having to find time to go to another branch over 20 minutes away. The only reason why I am still pursuing an account with chase is because of bank stability in the current economy crisis.
Company Response:
State: SC
Zip: 29464
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Hi my name is ... ... ... ... my bank account is XXXX XXXX the sole owner of that account. I recently had an issue with chase bank. There was an unauthorized transfer of XXXX from my bank account to ( XXXX XXXX XXXX XXXX account. I called chase while the money was still in that account and asked them to freeze it. Chase put me on hold for a long time and mean while the money left that account to another unknown account that me. Ive called chase numerous times and they refuse to release my money. That account is a XXXXt account with my XXXX, but I had XXXX XXXX calling my entire family letting them know he stole the money because I wouldnt answer the phone. He called my XXXX XXXX told him he took the money because I was spending too much. So why isnt chase doing anything? I recently received a letter from chase stating they will hold the money until a notorized letter by me and the XXXX account party is received. I will not be sending any letter to chase notorized made sure they knew so they wouldnt release the money while I take legal action. How is chase still operating? Why are they discriminating against a XXXX female?
Company Response:
State: NV
Zip: 89142
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: Since XXXX I've repeatedly supplied Proof that JPMORGAN Chase has WILLINGLY supplied the 3 credit bureaus with falsified information about me, I'm no longer able mentally or emotionally to deal with JPMORGAN CHASE BANK OR THEIR STALKING, HACKING AND ALL OTHER METHODS OF ATTACKS AGAINST MY PERSON & PERSONAL FINANCIAL ACCOUNTS, IM STILL LOCKED OUT OF MY AMAZON ACCOUNT, BECAUSE SOMEONE REMOVED MY ACCURATE PHONE NUMBER AND REPLACED IT WITH THE NUMBER THAT JPMORGAN CHASE HAD IN MY ACCESS PORTAL TO SAID XXXX THEM, IM STARTED TO HAVE SEVERE PROBLEMS WITH FOCUS AND NORMAL DAILY ACTIVITIES DUE TO THE SHEER AMOUNT OF STRESS AND THE KNOWLEDGE THAT IM BEING KEPT HOMELESS DUE TO FALSIFIED INFORMATION ON MY CREDIT REPORT BY THEM IS JUST AGAIN TOO MYCH FOR ME TO DEAL WITH ANY LONGER, IVE ASKED YOU FOR A YEAR NOW TO HELP ME, YOU HAVE NOT DONE ANYTHING EXCEPT PASS IT OFF .... YOURE SUPPOSED TO PROTECT! HOW TF IS THIS PROTECTING ME???? IM A XXXX CITIZEN OF THE UNITED STATES OF AMERICA AND NONE OF YOU PROTECTED ME AT ALL ONCE! I NEED A PROTECTIVE ORDER AGAINST THIS BANK AND ANY CALL CENTER AGENTS THAT XXXX EMPLOY TO STAY OUT OF MY ACCOUNTS INDEFINITELY! AND SOMETHING PROHIBITING THEM FROM ANY FORM OF FURTHER ABUSE INCLUDING SENDING OUT MEMOS TO OTHER CREDITORS USING MY NAME AND DELIBERATELY HAVING SAID COMPANIES LOCK ME OUT OF ACCOUNTS I HAVE WITH THEM!!!! Step 4
Company Response:
State: NY
Zip: XXXXX
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: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2021 during the XXXX XXXX sales, there was a website that was offering consumer electronics at a discounted price. I wanted to purchase a XXXX console and filled out my card details through a " secure '' transaction form and was charged {$100.00} on my Chase account. The transaction stated that it was done through XXXX by an anonymous pseudoname. Nevertheless, I recieved a tracking number through USPS and it said I would recieve the package in 5 days. Attached is an image of the transaction, the merchant name, date, and amount. I wait for 5 days and my package has not arrived. The tracking number says that the package was delivered but there was no package. I call Chase to dispute this transaction because I have not recieved the package and there is no contact information from the merchant. No e-mail, no phone number, no address. No information at all to reach out to the merchant. Chase intially credited back the original amount however, a month later, they charge me again for that amount. I call Chase to ask them why I was charged again even though it was disputed and I never recieved the item. They said that because the tracking number says that it was delivered, that means that the burden of proof is on me that I never recieved the package. I called the XXXX about this and provided them the tracking number to invesitgate what happened to this package. The XXXX discovered that the package was never meant to be delivered to my address and that this was a classic case of mail fraud. ( Attached is an email from them. ) You can check the tracking number on USPS website and see that the label was created but never shipped. ( Also attached ). This further proves that this was a case of mail fraud. I provided Chase this information and they investigated this issue again but I did not hear back. I call them to ask why I didn't recieve any update and they said they did not change their decision. They said that the matter should be resolved between the merchant and the consumer. There is absolutely no way for me to contact the merchant. I have explained this several times to Chase and provided all this proof and they still reject and ignore my case. I have never seen an investigation team so blind to the facts that they think that I was not a victim of fraud given all this proof.
Company Response:
State: WA
Zip: 98052
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: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I deposited a check into my business account ( XXXX XXXX XXXX ), chase bank put a hold on it for 7 days, the check cleared and was good. Chase decided to restrict my account due to the fact that they did not have a verified phone number for the company to call and verify the check in their system, even tho the check cleared weeks ago. They claimed that a notice of restriction was sent to me on XX/XX/XXXX, I did not receive no notice until XX/XX/XXXX. I stopped by a local branch and spoke to a branch banker who tried to help me, but the next day on XX/XX/XXXX Chase closed my account claiming that 10 days has past by and I did not resolve the issue. They are holding my money in the amount of {$30000.00} and will not release it to me. They are claiming that they dont have a verified phone number to call and verify the check even tho the check cleared weeks ago. I provided them with a phone number I obtained from calling XXXX for the business, but they keep lying and claiming its not verified in their system. I spoke to multiple supervisors on the following days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX They all keep lying to me and claims that the phone number is not verified in their system, and each one of them would give me a different story, the are holding XXXX XXXX dollars of my hard earned money and I need help getting my money and reporting JPMorgan Chase for their ways of trying to scam business out if their hard earned money.
Company Response:
State: NJ
Zip: 071XX
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Last Friday i made a deposit at the atm which i never received i reach out to chase multiple times they told me a investigation will take place but while the investigation was taking place i will receive a credit for the funds. Its been one week today nothing. I have been without no money and no has reach out. I am late on my bills I have been nothing but patience but seems like they dont care
Company Response:
State: NJ
Zip: 07111
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: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: In the last week of XX/XX/2023, I was unable to log into my Chase Online Banking account, which I subsequently found out was due to it being locked. Upon contacting customer service, I was informed that my account was being terminated and my checking account would be closed. It was also stated that I would receive a check for the balance in my account via mail. I was assured that my other accounts ( credit card and IRA ) would remain open, but this assurance was short-lived. Despite my repeated attempts to understand the reason behind this sudden and abrupt termination, I was not provided with any valid explanation. Worse still, I was met with rude behavior, which I believe is unprofessional and out of place in a customer service environment. My XXXX XXXX, who I hoped would be able to clarify the situation, chose to ignore my concerns. Calls to the XXXX XXXX customer service line were fruitless, as they demanded validation with my closed debit account number and then dismissed me, claiming I no longer held a relationship with them. A visit to the Chase branch in XXXX, XXXX, MA, only confirmed the closure of my checking account and the 14-day process to complete this. While they reassured me that my credit card and IRA would remain open, my IRA was also closed without any prior notice. Adding to my woes, I was informed that my funds would be mailed to me by XX/XX/2023. However, it has now been over a month since this date and I am yet to receive my funds. The delay is causing me financial distress as I am losing money due to credit card interest and the inability to access my own funds. Furthermore, while my checking account was closed, Chase continued to accept my paychecks from my employer. These funds, amounting to over {$19000.00}, have yet to be returned to me. I have contacted customer service weekly, only to be repeatedly told that the check is pending approval with no further updates. This chain of events has left me in a precarious financial position, caused me undue stress, and undermined my trust in Chase. I kindly demand immediate action to rectify this situation, including an explanation for my account closures, and most importantly, the immediate release and delivery of my funds. I hope for a swift resolution to this matter. Thank you in advance for your attention and assistance.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
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/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I purchased bathroom ceiling fans and pendant lights from XXXX online store as they were running 20 % designer sales along with Free gift with qualifying {$500.00} purchase promotion. I completed the three orders ( XXXX, XXXX, and XXXX ) and received email confirmation with the order totals clearly indicating the discounted price and free gifts, but the merchant charged the full amount including the free gift item retail price. I've contacted XXXX for the billing errors, but they were not responsive. On XX/XX/XXXX, I opened the dispute cases on the 5 charges ( XXXX merchant individually charged when they shipped the items ) for the price differences as they should've not charged the full amount for the 20 % discount and free gifts. On XX/XX/XXXX, I received a letter from Chase indicating that merchant 's original charges were valid and closing the case because they thought the charges were valid. Please see the enclosed the letter from Chase. On XX/XX/XXXX, I responded with the original order confirmation emails from the Merchant clearly indicating the 20 % discounted prices along with free gifts and listed detail explanation to show there were clear billing errors. Please see the enclosed letter I submitted to Chase. Today XX/XX/XXXX, I received a notification from Chase that they closed my disputes because the original charges were valid and there were no billing errors. Please see the enclosed letter from Chase dated XX/XX/XXXX.
Company Response:
State: MD
Zip: 20878
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A