Date Received: 2023-05-11
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have an auto loan for a XXXX XXXX purchased new in XXXX of XXXX requiring XXXX payments of {$570.00} starting on XX/XX/XXXX. A XXXX final payment of {$570.00} was due on XX/XX/XXXX. I setup automatic Bill Payments through XXXX XXXX Account to be paid on the first of the month starting on XX/XX/XXXX. I have records for all automatic transfer payments made from the XXXX Account directly to Chase Auto Loan account # XXXX and all payments were made on time. This was verified many times since XXXX of XXXX to current by XXXX and documentation as proof of payment was faxed directly to Chase Auto. The loan has been paid in full as of XX/XX/XXXX with the final payment paid in person to Chase Bank in XXXX, Vermont. Record of all payments having been received has been acknowledged by XXXX XXXX XXXX as of a letter received dated XX/XX/XXXX. Chase Auto Loan refuses to remove late charges incorrectly assessed, accumulating to {$1700.00}. After getting no help, support, replies, or resolution through Chase Auto Customer Support starting in XXXX of XXXX and continuing to present, and having involved E-Trade as well to provide Chase Auto with proof of payments made by XXXX directly, and early every month to Chase Auto, the issue has not been resolved. According to Chase Auto, they never processed a payment received by them on XX/XX/XXXX. Throughout over a year of contact with Chase Auto in XXXX and XXXX, their representative admitted that there were issues with their internal Receiving Department getting payments to their own Processing Department and likely that was the issue of why they claim they never received a XX/XX/XXXX payment. XXXX had the check presented for 60 days before it was finally stopped in XXXX of XXXX. At no time have I ever been unwilling to resolve this issue ; but, I am not willing to pay late fees that have should have never been assessed, nor is there any evidence on my end that shows that there were payments not received. My letter from XXXX XXXX XXXX and the documented XXXX payments from XXXX demonstrates this. Chase Auto Loan Customer Support is clearly not customer support. I need these erroneous charges removed.
Company Response:
State: VT
Zip: 054XX
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I have reached out to the involved companies through the credit bureaus, and it has been XXXX days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. I demand that this unverifiable information be removed from my credit report immediately. The XXXXday delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. Please let me know if you would like any further revisions or if you have additional concerns.
Company Response:
State: FL
Zip: 32811
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XXXX XX/XX/XXXX my SAPPHIRE PREFERRED credit card ending in 6804 showed a transaction CREDIT BALANCE REFUND {$61.00}. Which means originally I had a credit of {$61.00}, and it was taken by the Chase bank for no reason as a charge in my account. I contacted Chase customer service phone line on XX/XX/XXXX, agent Cel female told me a check of the same amount was issued to me XXXX after an email was sent by Chase to me on XX/XX/XXXX about the transaction. Email address verified correct by this agent. However I never received any email nor check by chase. Even if an email was sent by chase on XXXX, it is after the money was taken by Chase. She provided check ID XXXX, and told me this could not be reversed and couldn't explain further why this happened. This is a misconduct by Chase, taken money away from clients for no reason with no communication is not legal. I would like to receive a full credit {$61.00} ASAP of my lost, and {$50.00} inconvenience credit. I would also like to receive a refund of my {$95.00} credit card annual membership fee paid XX/XX/XXXX.
Company Response:
State: MI
Zip: 48103
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for and received two credit cards ( one for personal, one for business ) from United Airlines ( United Explorer card and United Business card ). I decided on these cards largely because each card offered two United Club one time passes. Recently, when flying United, I have tried try to use these one time passes only to be denied access. The Club in XXXX and in Washington ( two recent examples ) have a sign saying, " No One Time Passes at this time. '' Terms and conditions say that access is based on availability -- it does not say other members or that first class passengers will be given priority. I've been unable to use at least two of my passes and now they are expiring. The cards each cost {$95.00} per year. I feel deceived. United 's claim that card holder receive " Two United Club Passes '' is misleading and false. I called Chase and they referred me to United. I called United and they referred me to Chase. Chase then referred me back to United. No solution offered. I'd like my money back or other proper compensation.
Company Response:
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: I met this friend on XXXX on XX/XX/2023. We move over to XXXX to talk which we have been in contact. I was interested in what I saw from this friend. I got invested in my assets under this friend 's instructions through a wire transfer to XXXX XXXX XXXX in XXXX XXXX XXXX to convert that money into the cryptocurrency of XXXX and XXXX through crypto.com then the fraud website XXXX that copied XXXX. The first wire transfer was {$1000.00} on XX/XX/2023, and the second and last wire transfer was {$5000.00} on XX/XX/2023. I have invested $ XXXX worth of US Dollars into worth {$150000.00} cryptocurrency in a 1:1 ratio of USDT to USD. This website imitated XXXX with the same logo but a different URL. The website immediately approved this {$21000.00} loan without any questions and put in a contract over me. But this fraud website has me locked in through a loan worth {$21000.00} and also holding my cryptocurrency. I asked the website for an alternative way to pay it back but they replied no, the payback is {$21000.00}. I have been frankly trying to find a way to pay this loan while losing my mind and sleep. I have told my sister and brother whom I trusted saying that it was a scam. I would like to do an online cyber investigation. I believe this is a fraud and a scam that I got myself into, noted as a cybercrime. I found out the scammer lead me outside of the FCA jurisdiction sights. They are contacting me under the name of XXXX XXXX. This is probably not their real name. Their contact numbers are below. XXXX ( XXXX ) XXXX and XXXX ( XXXX ) XXXX I had to research a bit these numbers a bit if were connected to this person however, they came out to be scammer numbers online. XXXX Official Website XXXX Fraud Website that imitated XXXX https : //XXXX
Company Response:
State: TX
Zip: 77407
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Hello, my name is XXXX XXXX. My bank close my credit card back earlier this month. The reason is because of it getting compromised multiple times, as in Im not sure how it was getting used since there were multiple accounts of fraudulent transactions. Nevertheless, and as I said, they closed my account. However, not all the money was accounted for. There are 5 transactions in total for {$160.00}, no more, no less, in which I am still owed by the bank because I didnt make these transactions. I had opened a case with the Chase executive office in which I was instructed to give a shout to. An unsatisfactory resolution was given where the outcome was NOT in my favor. Case details are below. 2 of the transactions occurred on the XXXX of XXXX in XXXX. The merchant 's name is XXXX for {$100.00} and {$42.00}. I called immediately when I saw these charges placed on my credit card, saying that they were fraudulent and I never made these charges. I was given a temporary credit, but then, I was billed again for it because it did not go in my favor for some reason. I do not have a XXXX account, nor did these transactions show up on my XXXX XXXX. I submitted that as proof, and I was getting transferred over and over again by representatives from Chase. I even had a three-way call between Chase and XXXX, and the latter confirmed that I didn't have an account with the Chase representative XXXX The next three charges were from the merchant XXXX, all for {$5.00}. One was dated XX/XX/XXXX, the next XX/XX/XXXX, and the final XX/XX/XXXX. As with the previous set of transactions, I confirmed that I did not make these charges by providing an screenshot of my XXXX XXXX history indicating I didn't make these charges. I have a series on my credit card where this merchant has fraudulent transactions, and they have all been included in my fraud report and in my favor. I am not sure why these three in particular weren't included. At this point, I am in agreement with the closing of this credit card account. However, I would like to get my money back from these 5 transactions, and open a new card, if necessary. I am available to speak further via phone ; just let me know via email so I can give you a call So, these are the case details that I sent to Chase back in mid XXXX. I just spoke with someone from the executive office who gave me a call, and he told me that the fraud team would be willing to reevaluate the case, but that I need proof. I did not get any reasoning from him how the disputes team who is in charge of reviewing my case arrived at the decision. He told me to give more proof, when I feel I have done everything in my power to submit proof. Submitting evidence from the merchant that charges on my account did not occur, that I did not have an account with the merchant, three-waying the call with myself, the merchant, and a Chase supervisor. I dont understand what more you want from me. I have done everything in my power as I said, and am not sure what else you want me to do. I would like to get reasoning how you or the team arrives at the decision. I said this before, but no one is listening to me. XXXX told me that they are not budging even though I have submitted to them all the proof in the world, and they are telling me theyre not going to change the outcome without any reason. How is this right? You are taking my money and not giving it back and have closed my card because of this. I have provided to you proof - multiple variants of it and times - that show I did not make these charges. I want evidence from you showing why the decision is not in my favor. Something XXXX told me that its called a VISA or something like that. I dont know what proof they want from me. I have NOT been treated right by this bank, and honestly, I just want my money back that I didnt make these purchases for.
Company Response:
State: NJ
Zip: 07470
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: The Chase atm charged me {$500.00}, saying I withdrew {$500.00} and I did not get any {$500.00} from any withdraw. On XX/XX/2023 my husband and I drove up to a Chase atm at XXXX XXXX XXXX XXXX. XXXX, AZ XXXX, at XXXXXXXX XXXX. We entered our debit card to withdraw {$500.00}, the bank atm gave us an error saying insufficient funds, my husband took the card out, canceled the transaction. I went into my app and transferred {$500.00} to my account and he put the card back in and tried to take out the {$500.00}, we got the same error. We canceled the transaction, took our card out and pulled off. I immediately went back to my Chase app to figure out what happened and I see a {$500.00} ATM transaction. My husband turned around and we went back to the bank, I called the bank and told me I needed to dispute it. I went back to the atm and the atm allowed me to take out {$28.00} only, I have a daily withdraw limit of {$500.00}, so at this point my Chase app shows I withdrew {$780.00} in one day which Chase atm would NEVER allow you to take out more than your daily atm limit. When the bank opened I went into the bank and explained to them what happened, they advised me since it was the weekend I would have to call Monday. I called Monday and filed the claim. A couple of days later the claim was denied. I tried to appeal the claim over and over again and was not allowed to because they told me it was already denied, I explained this has happened to me with a chase atm claim before and in the past I had to go through months with the bank and Chase finally checked the tapes on the atm to see I did not take the cash. I spoke with a supervisor and I address the fact that I need to dispute the claim, Chase claims supervisor said if I filed a police report and get a subpoena for them to look at the tapes. I tried going to the branch and calling the branch manager where I used the atm and I never could get a returned call and when I went down there the bank branch is now shut down so noone can help. I address the fact that the atm would not allow me to take more than my daily withdraw limit and the supervisor advised me from when I took out the {$500.00} and 2o minutes later withdrawing {$280.00} there was " a delay in the atm '' that would have allowed the atm to give me more than my daily limit. I told her I have NEVER EVER EVER been able to take out more than my daily withdraw limit. I just need help getting my money back.I tried contacting corporate but everyone just transfers me back to the claims escalation and everyne there is overseas and do not know engish. I was told by one of the supervisorsI should have gone into the bank at XXXX and reported it and I explained it was Saturday morning the banks are not open. I was also told that the Chase atm you have to wait 10-15 minutes before pulling away from the atm for the atm to register your transaction. This is the most bizarre thing I have ever gone through in my life. Chase has allowed so many people to hack into my account and take my money now they are doing it to me and I need someone to help me.
Company Response:
State: AZ
Zip: 85730
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with monetary relief
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, I ordered flooring from XXXX XXXX XXXX XXXX ( vendor ) online and paid {$1600.00} with Chase credit card. I confirmed with the vendor that the flooring was in stock and would ship to me in two weeks before I made the purchase. Two weeks later, I did not receive any flooring shipment, so I reached the vendor again. On XX/XX/XXXX, the vendor wrote me an email telling me my order was still in their warehouse in XXXX and he would ship on the following day and sent me the shipment tracking information. On XX/XX/XXXX, I saw the email and replied to the vendor requesting him to please cancel my order because it was too late for my contractor. The vendor didnt reply to my email and no shipment tracking information was sent to me. Hence, I believed my order was canceled. At the same time, I called Chase credit service, telling them what happened related to the transaction and requested them to not pay for the transaction if the charge was still posted by accident. After calling Chase, I saw my transaction of {$1600.00} was refunded. By then, I thought the frustrated purchase problem was solved. Two months later, on XX/XX/XXXX, I found out I was re-billed again for the purchase. I called Chase credit service and questioned the re-bill. Chase told me they did an investigation and the vendor had provided evidence to prove that they had provided the services so they re-billed. I questioned when this investigation happened, and why the investigation made the conclusion based on a one-sided story. Chase told me the investigator couldn't reach me out. And the investigation and dispute response was sent to my Chase online account. First, I questioned how it was possible that Chase couldn't inform me/my husband regarding the investigation, considering Chase had cell phone numbers, emails, and our mailing address of my husband and myself. Second, it turned out Chase didnt send any writing information to our Chase online account after we opened the dispute on XX/XX/XXXX. Except for monthly statements, we did not receive any information or inquiry about the investigation until I called Chase. And then Chase asked me to reopen the dispute again and provided all evidence to support what I claimed. In XXXX, I tried to reach out to the vendor, but they didn't reply to me by phone or by email. In XXXX, I reopened the dispute and provided all phone call histories and emails between me and the vendor, to prove 1 ) The merchant did not provide any services, nor delivered any commodity to me. 2 ) The cancellation of the order is due to the merchants fault, and I canceled timely and in a responsible way. 3 ) The merchant failed to communicate with me and distorted the truth regarding this transaction. In XXXX, Chase sent me a letter, informing me the transaction was valid, so I wont receive any refund. I called Chase, questioning how Chase reached the conclusion that the transaction was valid? Did Chase require the vendor to provide evidence to prove that 1 ) the vendor provided services timely at the beginning before my cancellation of the order 2 ) the vendor emailed me the shipping tracking information as they claimed in the email 3 ) the vendor shipped any commodity to me? Chase asked me to reopen the dispute again. Hence, I reopened the dispute for the third time. Then in early XX/XX/XXXX, Chase sent me a letter again. The same as previous, just a conclusion that the transaction was valid so I wont receive any refund. No explanation about their investigation at all, if they really did! In XX/XX/XXXX, I called Chase again, and they just told me my dispute exceeded 6-months period. They can not do anything for me. I ams so confused by Chases service and question business ethics in the whole dispute investigation process because : 1 ) My case is very clear and simple. The vendor forgot my order at the beginning, so I canceled it due to the shipment being too late to me. I canceled the order right away in writing, and believed I canceled successfully because the vendor didnt email me any shipping information as they claimed in the email. And the vendor didnt reply to my email at all afterwards. How Chase dispute team did their investigation? 2 ) We have been using Chase 's paid credit card since XXXX. Chase has all our contact information ( phone numbers, emails, address ). Chase did not check with me or my husband regarding the investigation and used that they couldn't reach out to me or my husband as an excuse for their being irresponsible to reach the conclusion based on the vendors one-sided story without asking the vendor to provide any evidence. 3 ) Chase did not inform me of the conclusion of the dispute until I found the re-bill myself. No email, mail, or any letter in my Chase online account. 4 ) Chase required me to provide all evidence to prove what I said is the truth. While I think it is so unfair and offensive that Chase asked me to provide evidence but not the vendor, I still provide all email records and phone call histories between me and the vendor. 5 ) After six months, the Chase dispute team didn't give me any explanation about the dispute, but told me they can not do anything more because the case had been six months. As a customer, I trust Chase, and I pay {$99.00} the annual credit card fee to protect me. I have no idea about the six-month period. I feel Chases dispute team is so insincere. It seems that they just asked me to keep reopening the dispute until I wont be able to bother them after six months. Fortunately, I realized that there is the CFPB to file my case!
Company Response:
State: CA
Zip: 940XX
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I bank with Chase and deposited over one-thousand dollars into one of their ATMs, but the machine malfunctioned and kept my cash but did not credit my account. I remained at the ATM as I called customer service. They opened a claim and said they'd be in touch when the investigationwas completed. I received an email this morning stating that they closed the investigationand determined that there were no issues with the ATM reported ; I was owed no money. When I called them about the response, they refused to investigate further. When I requested records on who, how, and when the research was conducted and completed, they said I would have to subpoenathat information. I was patient and understanding, considering that I'm not a wealthy man, and that was all the funds I had at the time. I went a few days without food, so I would have money for gas and wouldn't have to miss work. Now a multi-trillion dollar company, the fifth largest bank in the world, has taken XXXX dollars from me and refused to correct their mistake. I'm upset by this situation and the hardship and theircallous disregard for the unnecessary burden they've placed on my livelihood. They refuse to take additional action unless I have something that proves I was at the ATM, despite the fact that, their system shows me there. I asked them to Check the ATM camera to provide that I was there. They would see me inserting my card, selecting deposit, inserting the cash, and waiting. I stayed at the atm for about thirty minutes as I called to fill out the claim. I have tried to find an attorney that could help with subpoenas but so far consumer law practitioners are hard to find. If I expected there to be a problem, naturally I would have kept proof, but I never thought that this would happen. I can prove I received my paycheck that day, and cashed it at XXXX, I can prove I when straight from XXXX to the atm and reminded at that ATM until the claim was filed. I don't know what else to do. I need that money but Chase has made it clear they will not be investigating further. Please help me.
Company Response:
State: TX
Zip: 75002
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/2023 I issued a check in On-Line XXXX to pay off an Auto Loan with Chase Auto for the amount of {$45000.00}, this check was cashed on XX/XX/2023 satisfying the loan. XXXX, without approval, re-issued a redundant check to Chase XXXX on XX/XX/2023 for the same amount of {$45000.00}, Chase Auto cashed and applied this check on XX/XX/2023, to an account under my son 's name paying off his loan which was well less than the {$45000.00}. This was done without any communication, nor authorization or any form of consent. I have spent in excess of 8 hours on the phone with both XXXX & Chase, been to both bank branch locations numerous times without resolve. I have been promised a refund 3 times without it being sent. This has been going on for so long that I feel that Chase Auto has criminally stolen my funds and should be held in some type of legal justice and offer me some type of compensation for the time spent and the financial jeopardy that I have suffered from. I want my funds back now!
Company Response:
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A