Date Received: 2023-05-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have repeatedly contacted Chase Bank regarding an ongoing issue where they automatically deduct {$300.00} from my checking account and transfer it to my investment account, despite my explicit request to stop this auto-debit arrangement. I have spoken to over 18 employees across multiple calls, yet none of them have been able to rectify the issue. The auto-debits occur every two weeks, causing my account to be overdrawn on several occasions. I have not authorized any recurring payments, and there is no reason for Chase to continue withdrawing funds without my consent. Despite my numerous attempts to have this issue resolved, Chase has refused to stop the unauthorized transfers. i do not want the accounts closed, i just want the auto debits ended. account ending in XXXX is the account in question.
Company Response:
State: GA
Zip: 30115
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
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: We purchased airline tickets thru XXXX XXXX From XXXX XXXX XXXX in XX/XX/XXXX for a land and sea cruise leaving XX/XX/XXXX from XXXX XXXX, XXXX. The land portion of the trip to XXXX was cancelled by the cruise company XX/XX/XXXX due to safety reasons. We were given the option to take only the sea portion of the trip and told we would receive credit for the land portion. As part of the trip change, we were advised by XXXX that they would make the necessary changes to our airline tickets for us to return home at no cost. This required the airline tickets home to be changed from XXXX XXXX to XXXX XXXX to XXXX XXXX to XXXX XXXX We received paperwork from XXXX showing this had been done. When we arrived at the XXXX XXXX to return home, we were told by the airline that our tickets had been canceled because XXXX never paid for the tickets. Fortunately, we were able to buy tickets 2 hours before the flight and return home. We filed a complaint with XXXX to be reimbursed for the tickets we had to purchase, since we had already paid for them back in XX/XX/XXXX. It has been over 3 months since we filed the complaint with XXXX and have not received an official response. We have called 3 times, but have not been able to speak with anyone about how to resolve this. We contacted the Chase Credit Card to dispute the original charge since we never received the airline tickets we paid for. We sent extensive documentation to Chase showing the original receipts for payments for the airline tickets as well as documentation explaining the " reimbursements '' that showed up on our credit card account for cancellation of the land portion of the trip. This information was faxed to Chase XX/XX/XXXX for the first time. We received a letter In XXXX stating the dispute was being denied because XXXX had already given us credit for the airfare. This was incorrect. The documentation provided to Chase explained the 3 credits we had received to date. Some of the numbers were similar and Chase apparently agreed with XXXX 's bank that we had already received a credit. We immediately called Chase and tried to explain that if they would review the information we provided, we could explain all the numbers down to the XXXX. We also asked for a copy of the information provided by XXXX that they used to convince Chase that our dispute was not valid. We have been told by Chase on multiple occasions that we would receive copies of everything they received. We refiled a dispute and provided an additional narrative to help Chase better understand that although the numbers were similar, XXXX never gave us the credit for the airfare that they were supposed to purchase for us. We received a letter today from Chase saying our refiling of was being denied because time to file a dispute has expired. When we agreed to take the cruise only portion of our trip when the land portion was cancelled, based on conversations with our travel agent, documentation provided by XXXX, and discussions with staff on board the ship, we were never told verbally or in writing that there was any issue with transferring the airline tickets from originating in XXXX to XXXX. If you go to the XXXX XXXX, one of their key selling points is that they will be there to help you handle these kind of things. Maybe someday XXXX will respond. However, for Chase to ignore all the information we provided, apparently accept an erroneous claim provided by someone ( XXXX or their bank ) with apparently no written justification that they are willing to provide, and then claim your out of time is wrong.
Company Response:
State: KY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Hello, i had Chase credit card. i had couple missed payment and called them to begin making payments. they closed my bank account and reported settlement on my account. i didn't make any settlement plan or anything with them and they did not notify about this settlement. Lender : JPMCB CARD Settlement amount : {$7900.00} Date status reported : XX/XX/2022
Company Response:
State: NY
Zip: 10312
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hello, Id like to file a formal complaint with the CFPB against JPMorgan Chase. Recently I discovered check fraud on my account by which a check in the amount of {$2900.00} written for my monthly rent was stolen from my local mailbox and deposited into someone elses account ( not the intended payee ). Ive filed a claim with Chase Bank to recoup the funds but they refuse expedite my claim and say it will take up to 60 days to investigate. For this, Im unable to pay my rent this month and will incur a late payment fee of {$200.00}. Im also calculating that I will overdraw my account with recurring bill pay due to my missing funds. I feel my requests have not been handled properly or urgently and I would like to see that this does not happen to other customers. They will not provide provisional credit so now Im experiencing financial hardship. I would like to ask that my claim is resolved expeditiously and that Chase review their subpar customer service standards. Clearly unacceptable to make the victim here suffer so needlessly. Clear and obvious check fraud should be handled immediately, and not in 60 calendar days.
Company Response:
State: CA
Zip: 90277
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: I purchased a used 2023 XXXX XXXX from XXXX XXXX XXXX in XXXX, OR on XX/XX/2023. I repeatedly told the salesperson ( XXXX XXXX ) I did not want to purchase an extended warranty with purchase of my vehicle. The dealer included an extended warranty with purchase of my vehicle at a cost to me of {$1200.00} even though I repeatedly expressed I did not want to purchase an extended warranty under any circumstances. The salesperson ( XXXX XXXX ) misrepresented the purchase of the extended warranty as I was signing all the required paperwork. The salesperson ( XXXX XXXX ) led me to believe the extended warranty I was purchasing was actually a factory warranty at no cost to me.
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My name is XXXX XXXX and I am writing to file a complaint against JPMCB CARD for inaccurate reporting on my credit report. On my credit report from all three credit bureaus, there is an account with JPMCB CARD listed as a charge-off. The account number is XXXX, and the balance is listed as {$2700.00}. The charge-off was reported in XX/XX/2022 by all three credit bureaus, and it is negatively impacting my credit score. However, this charge-off is inaccurate because I did not have any unpaid balance on the account. Furthermore, the account was closed due to inactivity, not because of any unpaid balance. The account was also never past due. I have attempted to resolve this matter directly with JPMCB CARD, but they have been unresponsive to my requests for them to correct the inaccurate reporting. I believe that JPMCB CARD has violated the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) by reporting inaccurate information to the credit bureaus. I also believe that they have violated the Metro 2 credit reporting guidelines by reporting an inaccurate charge-off. I request that JPMCB CARD immediately remove the inaccurate charge-off from my credit report and take corrective action to prevent this type of inaccurate reporting from happening in the future. I also request that JPMCB CARD provide me with a written explanation of how this error occurred and what steps they have taken to prevent it from happening again. Thank you for your attention to this matter.
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
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: First opened a case with Chase Travel on XX/XX/, to request a refund for a flight cancellation. I worked with an agent who promised he will look into cancelling the flight and refunding the account for the remaining amount. After many and long holds, he eventually said he will reach out to the airline first for the reimbursement. Then he said he will return the call once its resolved. I waited two days and called back on XX/XX/XXXX since I have yet to hear back from Chase Travel or XXXX XXXX XXXX. The Chase Travel agent had me go through explaining the issue again and said that XXXX XXXX has not responded. When I called XXXX XXXX directly, the agent there said the issue has to be resolved with the credit card company. Chase Travel put me on hold again and said they will call back once the issue is resolved. I again, waited for Chase Travel to call me back with the confirmation with the refund. However they never did so I called to follow up on XX/XX/2023. The agent had me explain the problem again. He mentioned Chase will reach out to confirm when the refund is confirmed. However, I asked him to resolve the issue immediately or send a confirmation email that this is taking place. He refused to send me any confirmation. I insisted he escalate this issue. After a long hold, he responded there will be a refund issued to my account. After few weeks of not having and refund reflected on my account. I called back on XX/XX/. The representative had me explain the problem and it was back to square one. With empty promises of refunds reaching my account " soon '' or in " few business days '', I no longer have any confidence in Chase Travel support they will do right with the customer. The agent there continues to make empty promises without any evidence. I have yet to receive any refund for a cancellation request from weeks ago.
Company Response:
State: VA
Zip: 22102
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/2022, I called Chase Mortage and let them know that my payment was going to be late informed them it would be the end of the month. I made the payment late and received a 30day late on my credit report. My complaint is Chase had a COVID program available to me and I shared that I was having a difficult time with my payment, during our conversation the Chase representative NEVER shared the COVID program with me and never offered the discussion to help me with an opportunity to apply for the COVID program. Because of their lack to share this important program I have received 2 thirty-day late on my credit report. I requested Chase do an investigation and listen to the " recorded '' phone call, they found that the Chase representative DID NOT offer the program, which is what they were supposed to offer any customer that called, this was a directive to all banking institutions by the Federal Government ( I believe ). I did not find out about the COVID program until after Chase ended the program- they failed provide assistance. I asked for documentation from their investigation, and I was told that they " Chase '' could not release this information to me. Based on their findings I have asked that Chase remove the 2 thirty-day late penalties from my current credit report, and they have denied my request. This would have never happened had the Chase representative provided me with the COVID program assistance.
Company Response:
State: CA
Zip: 90008
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Good afternoon, In XXXX, I created my company XXXX XXXX and I needed to open a Business account. So I chose Chase because they had an offer when you did a deposit of XXXX XXXX you did not have to pay monthly fees for new Business account. Beginning of XXXX, I have started receiving monthly fees to pay with no notification from Chase that they changed their rules of having now a minimum of XXXX $ of deposit. So I had an appointment in XX/XX/XXXX to explain the situation with my contact at XXXX XXXX Chase branch ( with XXXX XXXX ). She supposed to reimburse the current fees and I had a check of XXXX $ to have a total of XXXX $ as a start. But the next month I have been continuing having fees of XXXX $ per month. I have let several voicemails and emails to XXXX XXXX to understand why I was having ( and still have ) this situation. XX/XX/XXXX I called the Chase Service Center after talking to 3 different agents, the only answers were : ''Try another branch '', ''Try to have another appointment with the same contact '' or ''we can not help you online ''. My Business account statement from XX/XX/XXXX ( attached ) shows exactly that what I did was supposed to be done but they did not stop de monthly fees. I have no other solution to complete this complain because I do know how to fix this situation which is originally a Chase ' mistake. Regards XXXX XXXX
Company Response:
State: NY
Zip: 106XX
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/XXXX I received a Chase Freedom Unlimited card in the mail. It was forwarded from my old address since I moved in XX/XX/XXXX which caused a delay in my receiving it. I also received a letter from them dated XX/XX/XXXX stating that I needed to call prior to XX/XX/XXXX to cancel the balance transfer of {$13000.00}. Due to the delay this date was already passed. I immediately called and reported this as a fraudulent account as I hadn't requested this card or the balance transfer. Chase stated they would look into it. I heard nothing from them until XX/XX/XXXX when they sent a letter stating they looked into it and they believe it is my account. I called again and told them it was fraudulent and asked them to look into it again. I also filed an identity theft report with the FTC and a police report at the same time. Chase stated that the balance transfer went to my Bank XXXX XXXX card. I have a Bank XXXX XXXX card, but it is not the same as the one the balance transfer went to. I sent a letter to Chase on XX/XX/XXXX requesting this account be closed and removed from my credit report. I filed a dispute with XXXX on XX/XX/XXXX. I received another letter from Chase on XX/XX/XXXX stating they still believed it was a valid account. I called them again to say it was still a fraudulent account. Their fraud division called me on XX/XX/XXXX and asked for my XXXX XXXX XXXX statements to prove I hadn't received the balance transfer on my card. I emailed my XXXX XXXX XXXX statements to them showing that no balance transfer had gone to my card. The amount transferred was higher than the limit on my card and significantly higher than any amount I have ever owed on that card. I also included a copy of my credit report showing that I do not have any other Bank XXXX XXXX accounts. This should be everything they need to show I didn't start this account or receive the balance transfer that the account was used for. On XX/XX/XXXX I was emailed from XXXX showing that they had removed the Chase account from my credit report because they found it to be a fraudulent account. I also received a letter from Chase stating that they still believe I am responsible for this account despite me sending proof that I am not.
Company Response:
State: WY
Zip: 82009
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A