Date Received: 2023-12-27
Issue: Other transaction problem
Subissue:
Consumer Complaint: I executed an ACH transaction from my saving account at Chase Bank to my checking account at XXXX XXXX XXXX XXXX in the amount of {$1800.00}. The wrong XXXX Checking account number was entered. Funds were not transferred or reversed. Both banks claim the funds are not with them. See attachments for timeline and more details
Company Response:
State: NY
Zip: 11520
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: On XXXX XXXX XXXX I have purchased a plane ticket with a Chase Ink credit card. The total amount was {$1000.00}. On XXXX XXXX that ticket was changed to one with a lower price and the amount of {$340.00} was supposed to be refunded or issued as a credit by the airline XXXX XXXX XXXX XXXX or the travel agency ( XXXX ). That refund was never issued and I only discovered that at the end of XXXX XXXX. Since then I have been in contact with both the airline and the travel agency and they keep bouncing me between them. On XX/XX/, with my patience running out I contacted Chase Bank, the issuer of the credit card, to dispute the transaction as an overcharge of {$340.00}, but I was told that I had only some 120 days to make this dispute. This information is not displayed anywhere in their card benefits section though XXXX XXXX XXXX XXXX XXXX The only thing mentioned about Zero Liability Protection is " You wont be held responsible for unauthorized charges made with your card or account information. If you see an unauthorized charge, simply call the number on the back of your card ''. There is no mentioning of the 120 days limit. The only mentioning of a 120 days limit is under Purchase Protection, a benefit which covers " personal property that has been damaged, stolen, or involuntary and accidental parting with property '', which is not applicable to an overcharge dispute.
Company Response:
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: I have {$2200.00} that is stuck in Chase for my checking account and they refuse to release it because they want a verified phone maker which doesnt make sense I work hard for my money to pay for my XXXX XXXX and without this money I am unable to do so. I already contacted Chase and made a report her before but it wasnt resolved so I am hoping for a better solution please. They say it has to do with the check for {$340.00} and I have proof and record that I did earn it on the payroll Im sure the federal also have record of it like when I file my taxes. There is no way that this is a fraud please contact XXXX if you can on your side if you can please I would like my money back and Ive been trying for over a month now going to different branches and making many calls with both Chase and XXXX.
Company Response:
State: CA
Zip: 95121
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
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: In late XXXX early XXXX I had noticed that there had been a large amount of spending on XXXX on my chase card.. So i confronted my girlfriend who is an authorized user and she denied the spending. We looked at her XXXX account together and found that all her charges were on our joint XXXX XXXXXXXX account, everything was legit. However none of the charges on our chase card lined up with anything on her XXXX card. So I contacted chase bank. I disputed all of the charges on my chase credit card that were from XXXX and they credited the account and opened an investigation. a few weeks later they had charged back all of the credits and sent a letter stating that i was responsible. I got back on the phone with them and asked how they came to this conclusion. they stated that they had got a document from XXXX showing that my card had been used and that shows i was responsible. i asked where these items were being shipped to and they stated an address on XXXX XXXX in XXXX XXXX florida. we have never had any association with anyone there nor would have sent anything to an address in that area for any reason. i asked to speak to a supervisor and i asked him how could they do a actual investigation and come up with my being liable when no one has even bothered to reach out to me asking if this address had anything to do with me. he said that because there are so many charges over a long period of time it looks suspicious on my end and that proving otherwise would be a challenge. he agreed to open up the investigation again and look into this, a week later i got the same answer. i am liable for all these charges. he said i would need to get with XXXX for any further help. I will agree that i made the mistake of paying my chase credit card bill every month without verifying that the charges were all legit. my issue is that the charges are all relatively small however they added up to around XXXX XXXX dollars in a 9 month span. i pay my credit card every month and thought it was my girlfriends regular spending. after confronting her about it is when i found out these were all unauthorized charges. Chase bank has told me that there isnt anything they can do about it after the investigation. I have an XXXX account and so does my girlfriend. the card in question is not associated on either of our accounts. I can prove that. The charges on the card all have items shipped to an address in XXXX XXXX florida, i have nothing to do with that address. these are clearly fraudulent charges on my card. but chase is telling me i am stuck footing the bill for these because they can't prove that these are not fraud.
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I Have Chase Saving & Checking account. I also have a Chase Credit Card. I manage all XXXX accounts at the same site. I Pay my MONTHLY Credit card balance on this site where the Money is deducted from my Chase Checking account immediately. I have just noticed that Chase now representing this Credit card Payment as a LOAN PAYMENT on their website. I have taken no Loan from Chase and the Credit Card payment SHOULD NOT be listed as Loan payment. Date Description Type Amount Action XX/XX/XXXX Payment to Chase card ending in XXXX XX/XX/XXXX Loan payment - {$1100.00}
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I received a opening account bonus of {$200.00} on XX/XX/, opened the account on XX/XX/, received a direct deposit on XX/XX/, and met all the requirements of the bonus. The bank app showed I met the requirements and would get the bonus within 14 days at that time. But chase never gave me the offer bonus, even on multiple attempts of being contacted.
Company Response:
State: CA
Zip: 90064
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: My father transferred {$2500.00} money from XXXX to my account on XX/XX/. Unfortunately, he mistakenly entered one incorrect digit in my account number, resulting in the money being credited to the wrong account. Upon realizing the error the next day, my father promptly contacted his bank, which initiated the recall process. However, Chase Bank, where the money was mistakenly credited, has not taken swift action, and their wire department has not communicated with my father 's bank. Chase Bank credited the funds to an unverified account without confirming the correct account number and name. Despite my father 's efforts, almost a month has passed, and I have not received the funds. I mentioned some Ref no below Transaction No : XXXX Attention Investigation Ref No : XXXX XXXX XXXX No : XXXX
Company Response:
State: TX
Zip: 75098
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
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: Postscript After I have notified the seller ( XXXX XXXX XXXX ) of XXXX the termination of conversation on the message function of the XXXX, the seller still contacted with the message portal of XXXX, therefore, I answered as shown on the print-out with this postscript. I tried to contact with XXXX customer service, XXXX, with a slight hope to be able to contact ; however, the email was not received at all. Since I have the previous experience that there was no strong online customer service with this company, XXXX, I have decided to add this part with print-out to show what I have tried to do for the peace of my mind. I strongly wish this seller will not contact with me, since there is no point that he/she just continue to say same thing to prove his/her products is right. And I believe it is natural as a seller, but he/she just continue to say same thing without any proceeding. Therefore, I preferred to stop the transaction, but he/she continues. XXXX said the seller cancelled the transaction at XXXX XXXX, but I am not sure what that means clearly. The message did not clearly say the refund or anything. Anything all, I just wanted to say I want to make my products, not sellers. I believe he/she just say, sorry to happen and try to solve the issue without causing anger and frustration of the buyer. Anyway, I have bought once from this seller in summer, and that data was disappeared by the XXXX, as far as my friends said. Maybe, I am over-reacted ; however, most likely, many XXXX and other XXXX university students, faculty, and staffs are fighting with similar reactions. These seller and customer services should realize and learn how to contact with the customers, who might have the cyber-attacks. When I tried to move this seller to spam file of XXXX conversation, since I did not want to spend my energy and sanity by continuing this seller, I found out there were XXXX boxes of same seller. One was asking help, and another continued to send the mail. I am not sure what this help means since I have tried to find out the help function of XXXX to ask the advice to finish this matter. However, I could not find out at all. I believe this might be one of the reasons this irritable conversation continued. Since I am not sure why there were XXXX conversation boxes from the same seller, I instantly had the feeling he/she was a XXXX which caused me the feeling of disgust. I feel so because I had weird mails for several semesters. Since the seller said the pins are safe to use. I will use them by using the plastic origami papers, which are shiny and charming. And I will sell most likely {$1.00}, with the explanation to my customers, who are used to see the beautiful XXXX rice paper products, regarding this experience. I do not use the plastic origami for my products usually, even though I have a question how to deal with the edge of pin base, where the liquid part of glue contact. Anyway, I will try. The XXXX shop says safe, so please get it by {$1.00}. Sincerely,
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/, I purchased tickets through XXXX XXXX website for {$1000.00} charged to my Chase XXXX credit card. Chase declined the charge and sent me an text message to confirm if the charge was legitimate or not. It took me only seconds to confirm it was me by responding to the text that I had made the charge. However, on the back end, even before allowing me an opportunity to respond, Chase had already denied the charge. I called XXXX XXXX immediately. My reservation, even though, I had already chosen my seats did not exist. XXXX refused to honor my previous price, stating their prices are subject to change : blah, blah, blah and let me know I would need to use a different credit card. I immediately purchased the same ( exact ) tickets, using the same credit card. Now, they were {$58.00} dollars higher. The charge to XXXX XXXX XXXXXXXX XXXX XXXX for {$1100.00} is shown on my credit card statement. This is the same vendor that was denied for the {$1000.00} charge. Oddly enough, the original charge that was declined does not show on my credit card at all. I reached out to Chase, and they refused to refund the {$58.00} difference. Although I appreciate Chase trying to reduce credit card fraud, this is a huge disservice to their customers. I should not be penalized for what they " thought '' was fraud. Chase thought it was fraud and was wrong. It wasn't. They should be responsible for the {$58.00} difference. Chase ( and any other companies ) should have to come up with a different policy. Why not give me a moment or two to respond to the text? Why not allow the vendor ( XXXX ) to re-run the credit card in a few minutes? Why not follow-up by an automated phone call, if the customer does not respond to the text/email messages? This could have been much worse. In addition to the {$58.00}, when I rebooked, XXXX had not released my seats yet, so I lost the better seats that cost the same price as it was. However, I could have lost the seats altogether if the plane had almost been completely booked, or it could have cost me hundreds for the same tickets. Also, on XXXX 's side, it looked like the reservation went through. If I had not saw a follow-up text from Chase and not realized I didn't get the confirmation email from XXXX, I could have thought I had tickets when I didn't. We need to do better. I think there is some easier ways to reduce fraud without at the same time risking to penalize the customer. When I reached out to Chase for a refund, their response was basically this was an abnormal charge for me. Actually, it is not. I just opened this line of credit in XX/XX/, so how would they know whether it is an abnormal charge or not?
Company Response:
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: In XXXX, XXXX, a " non-traditional '' payment was made to the credit card company involved, sufficient to almost pay the balance in full, and keep the account open. However, when these companies " received '' either a " payment '', or " confirmation of payment '', their response was to close the credit card accounts, and the report the accounts as " delinquent ''. These companies have stated that they do not/ can not /will not " accept this payment, but have cited no relevant federal or state law to support their contentions and actions. I am not in traverse, nor dispute as to the amount of any money or lawful " debt '' I may owe, but I am also aware that the companies involved, as " dead '', corporate entities, do not, and can not generate energy, and can not produce " substance '', and therefore, they did not loan me any " money '', to create a " debt '', and also can not loan " credit ''. I am seeking an equitable resolution to this matter, as well as preserve my rights. Thank you for your prompt attention to this matter.
Company Response:
State: PA
Zip: 19121
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A