Date Received: 2023-04-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXX, a payment was made into my checking account from XXXX. I do not know who sent the payment, I did not receive any notification about receiving the payment. The person that made the payment then made a fraud dispute. Chase bank froze my account while they conducted an investigation into the fraud claim. I have complaints about Chases actions : First, all funds in this account were frozen during the entire duration of the investigation. The payment was for less than {$200.00} but the account with $ XXXX was made complete unavailable. Second, Chase did not inform me of the fact that the account was frozen. I only discovered there was a problem when a different company that I sent a payment to contacted me to say the payment failed. Chase did not call, email, or send a letter informing me that my funds were unavailable. Chases online banking app continued to show the full balance of my account as available funds even while the funds were not available to me. The banking app includes notifications, and a message center, but Chase did not use these tools to provide info or a status on the issue. Chase personnel on the phone were not helpful, and did not have share any info about how I could help resolve this issue. Finally, I only learned that the investigation was complete after I made a phone call and was informed by the agent. Even with the conclusion of the investigation, Chase did not unfreeze the account and make my funds available until I called, and the agent asked permission from a supervisor to release the freeze. I made approximately 10 payments in the time between my account was frozen and the first time a third party informed me there was a problem, which was on XXXX XXXX. I was charged late fees and failed check charges, and one utility informed me they will never accept a payment from that account again. I visited a retail bank branch on XXXX XXXX to try and find some who could help. The staff at the branch was extremely helpful but unable to successfully fix the issue. One banker was put on hold and then hung up on the the corporate department he contacted. A different banker got someone on the phone to agree to contact me, but Chase never did reach out.
Company Response:
State: CA
Zip: 90501
Submitted Via: Web
Date Sent: 2023-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-30
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/2023 Amazon.com incorrectly charged {$150.00} me for a XXXX membership renewal after I had filled out a form on amazon.com to contact me before renewing the membership. Also on XX/XX/2023, I called Amazon, and they understood and immediately credited my Chase Amazon Credit Card for {$150.00}. These two transactions occurred on the same day, as evidenced by my XXXX and XXXX credit card statements. Instead of entering the credit as a credit to the account during the month, Chase entered it as a payment for the credit card, instead of a charge reversal. Since I had a 12 month 0 % interest purchase on my account of {$55.00} per month, the way Chase 's creative accounting is done, my statement requested a minimum payment to avoid interest of {$200.00} or a minimum payment due of {$90.00} that would result in me being charged interest, as opposed to the usual {$55.00} payment it should have been. Either way, Chase found a way for me to incur interest by posting that charge reversal as a payment instead of charge reversal or credit during the statement period that should offset the erroneous charge by Amazon. Two hours elapsed between the time Amazon charged me and the time I had it corrected, yet I am on the hook for interest for a {$150.00} that didn't really occur. It is a deliberate, unethical attempt by Chase to maximize the possible interest charges, and an underhanded way to do so. This is unethical, and I have closed both credit cards accounts I had with Chase, damaging my credit scores due to the loss of extended credit. Since it is obviously unethical, I am assuming it is illegal as well, and I am filing a complaint about Chase 's accounting practices regarding credit cards purchases and credits.
Company Response:
State: TX
Zip: 76244
Submitted Via: Web
Date Sent: 2023-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-30
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: Hello. I bought two pairs of shoes from XXXX on XX/XX/XXXX for {$280.00}. I returned both shoes back around XX/XX/XXXX or so. I was able to receive the refund of {$140.00} on XX/XX/XXXX but was missing the other half of it. I waited and waited but did not see anything so I decided to dispute the remaining {$140.00} with Chase. Chase gave me a credit but long story short, they rebilled me the charge after some time saying that it was valid. Ive open multiple disputes and spoke with the dispute agents and did what they told me to. The last agent told me to be SPECIFIC about my request because the dispute center kept denying it. I returned a size XXXX shoe and was successful with the refund on XX/XX/XXXX. However, I am still waiting on my XXXX shoe to be refunded and XXXX has stated they issued a refund on XX/XX/XXXX but Chase reversed the claim. So now I have no shoes and a charge of {$140.00} on my card that I had to pay because chase thinks its valid even though I provided them evidence. This is ongoing and I was about to give up but I wanted to try this first.
Company Response:
State: IL
Zip: 60607
Submitted Via: Web
Date Sent: 2023-04-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Chase Bank obtained a finance charge in this purchase money loan whereas a purchase money loan is defined in 16 CFR 433.1 ( d ) as a cash advance which is received by a consumer in return for a Finance Charge. Chase Bank utilized the consumers credit card as defined in 15 USC 1602 ( l ) defines the term credit card as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. To obtain a finance charge. The consumer was denied the cash advance and/or credit extension, based on the color of a credit reporting agencies illegal information reporting on consumer transactions defined in 15 U.S. Code 1681a Exclusions, which states that a consumer report should not include any information solely pertaining to transactions or experiences between the Claimant/Consumer and the person making the report. On XX/XX/2023, the consumer contacted Chase Bank to request the legal basis for their decision to deny the consumer the right to extend credit in accordance with 15 U.S. Code 1602 - ( f ), which defines credit as " the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. '' The consumer was not provided with any legal basis for the decision and was denied access to speak to the underwriter who had securitized the consumer 's application. Chase Bank in violation of 15 USC 1611 Wherein as Misleading and false information in conjunction with a credit transaction was relayed to consumer justifying a denial of an extension of credit wherein as out of the same transaction Chase Bank received a benefit. Chase Bank is in violation of 15 U.S.C. 1691 ( a ) ( 3 ) which explicitly prohibits discrimination against any consumer for exercising his or her right to obtain credit. Chase Bank has been found to be in violation of the Securities Exchange Act, as they have securitized the consumer 's application and selling it on the open market for profit, for their unjust enrichment, at the detriment to the consumer. This constitutes securities fraud. Chase Bank failed to disclose pertinent information to the consumer which would have enabled the consumer to make an intelligent decision. The consumer was misled by Chase Banks deceptive practices, and believes that these practices amount to identity theft, securities fraud, tax evasion, and various other federal violations. Furthermore, Chase Bank unlawfully utilized the US mail to deliver deceptive forms to consumers with the intention to deny them an extension of their own credit, an act that is illegal for Chase Bank as it does not have the legal authority to lend its own money or credit. This has caused consumers to have a lack of trust in the banking system. Chase Bank is aware that the consumer is crediting the transaction, whereas Chase bank, through deceptive means, is obtaining the consumer 's social security numbers ( credit card ) and other identifying information, in order to fraudulently access the consumer 's open-ended credit plan, misappropriate the funds, and unjustly enrich themselves through securities fraud.
Company Response:
State: PA
Zip: 165XX
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
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 booked a hotel reservation at Southwest.com ; Arrival date XXXX. On XXXX ( well within the cancellation policy of before XXXX local time XX/XX/XXXX ), my travel plans changed. I searched for an email confirmation but, despite the vendors claim in its response to Chase, I did not receive a confirmation from the vendor. Without a confirmation, I took alternative steps to cancel the reservation. On XXXX - 3 days prior to the cancellation deadline, I logged on to Southwest.com to get additional info to cancel the reservation. At Southwest.com ( In partnership with XXXX ), I clicked on Hotel, Manage Reservations ; at Manage my booking, I clicked Resend confirmation email and entered my email address and waited for a confirmation I still did not receive a confirmation email. On XXXX ( still three days before the cancellation deadline ), I sent an online inquiry to XXXX Customer Service ( because Southwest.com says hotels are booked in partnership with XXXX ) asking for assistance to cancel the reservation. XXXX responded on XXXX 2022 We'd be happy to help you with your booking. First we'll need some additional info from you. Reply to this message providing as many details as possible, including : o Confirmation number and PIN o Email address used to make the reservation o Accommodation name and location o Check-in and check-out dates See Exhibit 1 On XXXX ( still three days before the cancellation deadline ), I responded- I didnt not receive a confirmation. Thats the problem. If I had a confirmation, I wouldnt have contacted XXXX XXXX XXXX XXXX XXXX by the XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Guest - XXXX XXXX ( XXXX ) Arrival - XX/XX/2022 Check-out - XX/XX/2022 e-mail - XXXX ( See attachments ) On XXXX ( still three days before the cancellation deadline ), I contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX by telephone and spoke to the General Manager ( XXXX ) XXXX XXXX could not cancel the reservation because it was booked through XXXX. I requested and XXXX provided the two confirmation numbers. After that call, I sent another e-mail to XXXX I did not hear back from you. I called the XXXX XXXX XXXX XXXX by The XXXX today ( Wednesday ) and they have a record of the reservation but could not cancel because it was booked through XXXX. The confirmation code is - XXXX The XXXX confirmation is - XXXX Please cancel this reservation. XXXX XXXX XXXX XXXX attachments On XXXX ( still three days before the cancellation deadline ), I logged onto my chase.com account and disputed the charge. On XXXX, I filed claim # XXXX with with Chase ( see attachments ) On XXXX, Chase rejected the claim ( see attachments ) On or about XXXX, I contacted Chase and the agent suggested I submit a " re-dispute '' claim and include a summary and less detail because " 35 pages is a lot to review ''. On XXXX, I filed " re-dispute '' claim # XXXX with with Chase ( see attachments ) On XXXX, Chase rejected the claim ( see attachment ) and in a telephone conversation on XXXX, the Chase agent said the claim was not eligible for further disputes and the only option was small claims court
Company Response:
State: TX
Zip: 75225
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Chase Bank had a promotional offer that when you upgrade your account to a Chase Private Checking ( CPC ) account and maintain a balance of at least {$250000.00} for 90 days, you will receive a cash bonus of {$2000.00}. On XX/XX/2022, I walked into a local Chase Bank ( address : XXXX XXXX XXXX, XXXX, CA XXXX ) ( XXXX XXXXXXXX ) to claim this promotional offer. I was assisted by a representative named XXXX XXXX XXXX. He upgraded my regular checking account to a CPC account and instructed me that as long as I have maintained a balance of {$250000.00} in this CPC account for 90 days, I would receive the {$2000.00} cash bonus. I had {$240000.00} at the time of the upgrade so, I was instructed by XXXX to deposit another {$10000.00} to reach that balance. I initiated that deposit the same day with XXXX with a check for {$10000.00}. After this transaction, I left the bank and for the next 90 days, I have maintained the balance of {$250000.00} in my CPC account as instructed. A couple weeks after the 90 day period, I looked at my bank activity and noticed that I still had not received the {$2000.00} cash bonus. Since XXXX XXXX XXXX was not available, I walked into a different local Chase Bank on XXXX XXXX and XXXX ( Branch XXXX ) on XX/XX/XXXX to inquire why I have not receive the cash bonus into my account. A rep took a look at my account and notified me the reason why I did not receive the cash bonus was that I had to actually deposit {$250000.00} in new money to the account to satisfy the requirement of the cash bonus. I told the representative that I was not informed at the time that it had to be new money and was misled about the promotional offer. The rep. at XXXX XXXX recommended that I should call XXXX back to see if I can still be entitled to the $ XXXX bonus. On XX/XX/XXXX, I called XXXX about the cash bonus and was informed the same thing about having to to be new money deposited into the account to be eligible for the cash bonus. I explained to him that he did not inform me of this at the time and that I feel entitled to the cash bonus since he had misled me on the promotion. XXXX said he will contact his manager to see if his manager can make an exception for me. His manager, XXXX XXXX, called me back and informed me again that I had misinterpret the promotional offer. I expressed and that I was misguided and that I am still entitled to the {$2000.00} bonus. He informed me that he does not have the power to make an exception and, per my request, he had submitted a ticket to escalate my situation to higher management to see if can get the credit. On XX/XX/XXXX, XXXX called and left me a voicemail stating that higher management has determined they are still not granting me the {$2000.00} as it does not follow the terms of the offer.
Company Response:
State: CA
Zip: 949XX
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX I posted a check of {$5800.00} to a XXXXXXXX XXXX in XXXX. I advised then it was en route. XX/XX/XXXX Check # XXXX was posted XX/XX/XXXX Check # XXXX showed on our account XX/XX/XXXX I contacted XXXX XXXX, who advised that the check had not been received. I told them that the said check had indeed been cashed. XXXXXXXX XXXX checked but came back to say nothing had been received. On checking our account we see that the check was not endorsed on the reverse side and immediately contacted Chase Fraud Dept. We made a Declaration of Unauthorized Endorsement as requested by Chase. Since then we have made many phone calls and a visit to our local Chase but to no avail. I learned from Chase the the bank where the check was deposited was XXXX XXXX XXXXXXXX On XX/XX/XXXX we received a letter from Chase saying that the depositing bank is responsible for repayment but had not responded to the Chase claim. Chase now say if they do not hear within 90 days of our clam submission they will close the our claim and the funds will not be recovered. This can not be correct - Chase know the bank where check was deposited and XXXX XXXX XXXXXXXX must know who cashed the check. It all seems very straightforward.
Company Response:
State: NY
Zip: 11374
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Chase Bank continues to do automatic deductions from my checking account without authorization or probable cause. On XX/XX/2023, I made a payment to Chase credit card for {$280.00}. On XX/XX/XXXX Chase Bank did an unauthorized auto deduct for {$150.00} stating that I had not made a payment that month which clearly I had. When I contacted Chase Bank, they acknowledge their error and said that they would refund me the {$150.00} plus the late fee of which to this date, neither has not been received or credited back to me. Then on XX/XX/2023. I made a payment to Chase Credit Card for {$270.00} for Chase credit card. Then another unauthorized automatic deduct to my checking account occurred on XXXX XX/XX/2023 by Chase Bank for {$140.00}. After calling Chase Bank they again acknowledge their error and refunded {$140.00} which I did receive, however the late fee attached was not received. At that point I also inquired as to the {$150.00} from the month previous, XX/XX/2023, that Chase Bank was supposed to have reimbursed to me weeks prior, and was told a supervisor would be in touch. Again, no one called or contacted me regarding the {$150.00} from XX/XX/2023 to this date. Now again for the third month in a row, today, XX/XX/2023, Chase Bank again hit my checking account for {$180.00} again stating payment not made and is also shown as an automatic deduction from my credit card which again I do not have any auto pay is set up and it was unauthorized. And Im assuming as the past two months that a late fee will also be attached to that as well I wan na know what gives them the right to continuously now dip into my checking account without authorization Or any auto payment set up to allow them to do so. And if not for me being diligent and doing my due diligence, they would be getting away with hundreds of dollars so far and I would like to know what recourse do I have been that now this is the second time that theyve caused me financial distress because now I can not make my car payment because the {$180.00} was taken out, and a claim has been made but yet no monies returned. So now Im going to be late on my car payment with a fee on top of that which will also hurt my credit because so far in the last two months that they have done this and have caused me financial distress. Theyve done nothing to contact the credit reporting agencies or to restore me to my previous status before they initiated their unauthorized illegal act. What recourse do I have and I want them find if its found in which it should be that they did these things intentionally in for three months in a row what is going to be done to restore my credit and Creditors that are not able to be paid on time?
Company Response:
State: WA
Zip: 98445
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On Friday, XX/XX/XXXX, I realized I could not access my online banking account. I could not open my C-Corp account containing nearly {$250000.00} nor my personal checking account with around {$12000.00} in it. These accounts were linked years ago when I first opened a business account in early XXXX. On Sunday, I sat down to call Chase because I still could not log-in to my accounts. It said I needed to sign some paper work. I spent about an hour on the phone with various departments. They said I was a business customer so they couldn't help me through the retail department. Then the business department said they couldn't help me because I was a commercial account. Then the commercial department couldn't help me because I didn't have a commercial account. I kept being passed around on the phone so I gave up. On Monday, XX/XX/XXXX, I visited the closest branch in XXXX, Maryland. I walked in to explain the issue with my personal and business account. They gave me an assistant banker who did not have access to business accounts. She proceeded to just call various Chase departments while we sat at a booth in the lobby area. She found out that my accounts had been restricted because of an incorrect address listed on the business account. The business account had recently been closed without my knowledge. I have never even seen the address listed on the business account in my life. I was then solely worried about receiving the $ XXXX left in this closed business account. I worked with her for an hour before a business banker, named XXXX, came over to assist, and directed me to a private office. I was told that I could not receive the $ XXXX check on the spot, but it had to be mailed to the address on file ( which I did not recognize ). I opened this Chase business account online a month ago in light of the XXXX collapse. It took 5 minutes and I immediately was able to wire the funds over. Now a month later, I can not access these funds and the account has been closed without my permission or notification. I ask if I can wire the funds back to XXXX, they say I can only open a new Chase account or receive a physical check. I do not want to open a new chase account, so I choose to receive the check via mail. The bank closes before we can complete this process. The next day, I am given a different banker, XXXX. I spend 3 hours with her changing the Business address on file to receive the $ XXXX check at my home address. I am not given any tracking information. I still have not received the check. I still can not access my online personal bank account. XXXX from the Chase Branch was supposed to check in on me. He has not. I called Chase on Thursday to make sure the $ XXXX check went out. They assured me it had, but could not provide tracking information. They still could not give me access to my online banking. It is now Friday. I can not access my online banking at all, my business account has been closed, and I am waiting for a $ XXXX check to magically arrive in the mail.
Company Response:
State: NY
Zip: 11201
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I mailed my {$2800.00} rent check to my landlord on XXXX On XX/XX/XXXX someone cashed a check that had been washed with a new recipient ( unknown to me ) for {$4800.00}. On the XXXX XXXX XXXX XXXX XXXX fraudsters have added tacky stuff to postal boxes so they can intercept mail. My landlord notified me at the end of the month that I was late on rent ( I was returning from maternity leave ) and I saw the fraudulent check and promptly alerted Chase. They opened an investigation, but sent me to the branch to close my account. The fraudster continued in XXXX to attempt to cash additional checks to my closed account, but I alerted Chase quickly whenever I saw the transactions. Despite my account being closed 1 or 2 checks still posted and I had to speak with Chase reps to get the funds reimbursed. Chase is working with the other bank and I've submitted documentation at their request on multiple occasions. Reps have confirmed that I should just wait and it can take over a year to be resolved, but I'm afraid the statute of limitations will run up soon and Chase will claim they aren't liable if the other bank does not respond. The last letter regarding this investigation was in XXXX ( fairly recent ), but just says it's in the other banks hands and Chase is not liable for the funds.
Company Response:
State: NY
Zip: 10065
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A