Date Received: 2023-04-19
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Dear Sir or Maam : I need your assistance I, XXXX XXXX am a customer of the Chase Bank XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IA XXXX I opened a checking account XXXX of 2023 I was told by personal banker because I posed a risk to the bank I had to have a secured checking account. I explained I was a military veteran and I requested to be converted to monthly free of fees XXXX XXXX Plus account. The personal banker did not indicate what risk I posed? I explained my wife and I have an unsecured Chase Bank XXXX credit card with a credit line of {$25000.00} it didn't make logical sense I would have to pay a monthly maintenance fee of {$4.00} Also, I have direct deposit from employer utilized the checking account responsibly and I meet financial obligations to the bank. The personal banker indicated she would forward my information and have someone call to discuss options. To date I never received a call and this month I received a {$4.00} fee. I am requested to have all fees waived and converted to a XXXX XXXX XXXX account. Thank you, Sincerely, XXXX XXXX
Company Response:
State: IA
Zip: 503XX
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
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: I purchased a testing kit from XXXX XXXX on XX/XX/XXXX for the amount of {$33.00}. Within 15 minutes of placing the order, I emailed the merchant asking to cancel the order. They did not get back to me and ended up shipping the order. I refused the delivery of order with USPS ( XXXX ) and the item was sent back to the merchant unopened and untouched. However, the merchant has not refunded the amount and when I reached out to them, they said that they would not refund. I reached out to my credit card company ( Chase ) on XX/XX/XXXX about the issue to dispute the transaction. I paid for goods and those goods are not in my possession. However, they said that they could not assist with my dispute because the merchant does not offer a refund policy. I would really like assistance with this issue because I am now out of {$33.00} and I do not have any of the goods/services that were purchased in my possession.
Company Response:
State: CA
Zip: 95111
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX XXXX XXXX, prior to the payment being late, Chase was contacted that the payment would not be made due to COVID hardship. I was told to pay when possible and that I would not incur any penalty. The account was paid in full within 30 days as per our agreement.
Company Response:
State: TX
Zip: 75287
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXXXXXX I bid on an online auction with the company XXXX. I won the bid, a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I received an invoice # XXXXXXXX in the amount of {$55000.00} to be wire transferred to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX The transfer was made thru : Chase Bank XXXX XXXX XXXX. XXXX, FL XXXX Account # XXXX Routing # XXXXXXXX XXXX XXXXXXXX XXXX XXXX which is listed as active with FL Dept of State Business Reg # XXXX. I have been unable to contact XXXX ( XXXX ) nor XXXX XXXXXXXX XXXX XXXX, which I have no POC for them. Any assistance you can give me in contacting XXXX XXXX XXXX XXXX would be appreciated I have more documents if needed. This is the letter I got from Chase Bank in XXXX FL.
Company Response:
State: AL
Zip: 35633
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2023, XX/XX/2023 and XX/XX/2023 I mailed a certified notarized affidavits to XXXX XXXX XXXX XXXX Chase Bank and XXXX XXXX stating that I never gave their companies consent to share my personal information nor I was not provided with proper disclosure and for that reason I am a victim of identity theft. I have reached out to the respective companies letting them know that I am aware of their improper use of the sharing of my private information without my consent and in fear that they could be using my information for marketing purposes numerous of times with no proper response.
Company Response:
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Other transaction problem
Subissue:
Consumer Complaint: Chase canceled and put a hold on my wire transfer, which I paid fees for. I need to transfer to pay my real estate agent to pay her fee for my business. On XX/XX/2023, I sent the money to my agent 's account ; Chase canceled my transfer without any information and kept the wire transfer fee. I had to call them to get the payment refunded. I got a different account number from the real estate agent and sent XXXX again. This time Chase took my money and never sent it and put it on hold without any notice. On XX/XX/2023, Chase sent an email stating that my transfer was delayed for 1 to 2 business days. I have not gotten any message since the date. On XX/XX/2023, I sent a message through their App asking what happened to my money. They responded by saying that there was a wire hold and need the personal information of the agent. On XX/XX/2023, I called Chase and spoke to 3 different agents the last one being XXXX from the Legal Hold department. She told me that there was no team to help me and I had to talk through the app or visit the center. This is ridiculous that Chase just took my money and did not provide any details for the delays, so I assumed the money had been sent to my agent. This event created lots of my hours just for XXXX which they should compensate me for.
Company Response:
State: NY
Zip: 11106
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
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: I placed order XXXX with XXXX on XX/XX/2023 for XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I was provided with tracking number XXXX, and a package was delivered on XX/XX/2023. The package, as confirmed by XXXX, weighed XXXX pounds and was the incorrect shape. Looking on XXXX own website, XXXX weighs XXXX pounds. When I opened the package, I found that XXXX sent me a dual monitor mount instead of what I ordered. I contacted XXXX via their chat feature on their website and was told to bring the item into the store. I told the person I was chatting with that I did not want to have to argue with the store when I got there, and that the store would not understand the scenario. I was assured that would not happen. On XX/XX/2023 I drove over an hour away to a XXXX store at XXXX XXXX XXXX XXXX, XXXX, NY XXXX, paying numerous expensive tolls to get there, and was immediately told that the store was not aware of the scenario and they could not help me. They refused to take their item, and refused to give me a refund. At this point I involved Chase and was told to file a dispute. I did so, and Chase on XX/XX/2023 decided that XXXX was just in their actions. They claimed that XXXX proved they delivered an item. I called Chase to follow up, and was told about a whole new process I must go through to have them look at it again that involves sending in a letter with numerous pieces of evidence.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I am using the Chase card benefits re : trip disruption to get refunds on a roundtrip flight as a result of the hospitalisation and passing of my grandmother. It covers both myself and my finance who both used the card to purchase flights and had to cancel last minute due to my grandma 's sudden illness. ( for claim no. XXXX ; XXXX ) I have provided all the required paperwork a month ago ( see the list of paperwork that is required per Chase eclaims website FAQ and the list of paperwork I've provided ). However, I keep getting unreasonable follow-up requests for additional paperwork above and beyond what's required, and with minimal explanation for why they are needed. It feels like hte insurance is trying to drown me in paperwork so they don't have to make the payment. Some of the last ones are imposing significant burden for me to provide- for example, one of the comment was " proof of refund was insufficient '' and asks that I follow the example on FAQ website. However, I can't follow the prescriptive letter head on the FAQ which offers some refund and apologies to the customer- in my case, it was my grandma 's hospitalisation and passing, and not the airline 's fault or delay. Thus there is no written statement for any refund other than the email that was sent to me. This insurance benefit feels like a complete scam- especially in my case, there is no sense of humanity other than just wanting to profit and minimise insurance claims.
Company Response:
State: CA
Zip: 92336
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for a Southwest credit card on the Southwest website because they were having a promotional offer of a {$200.00} statement credit. My application was instantly accepted and I purchased my airline ticket. My airline ticket was {$180.00}. I purchased my ticket using my new Southwest acct and the balance after purchasing the ticket was - {$12.00} When I received my statement there was the full charge of {$180.00} I contacted Chase and spoke to a customer service representative. She said that the promotional offer I received was XXXX air miles after I spend {$4000.00} & a companion fare ticket after I spend {$4000.00}. When I explained to her that was not the promotional offer that was offered when I applied for the card and purchased my ticket, she said all that she could do was submit it to their Marketing Dept. I also told her that I don't have a companion so it makes no sense that I would've applied for the card to get a free companion fare ticket! I received a letter in the mail today ( XX/XX/19 ) saying that unfortunately my account isn't available to receive the {$200.00} statement credit and XXXX bonus point offer. I called the customer service line again and spoke to an agent and asked why my account was not eligible. She said that she did not know and that there was nothing she could do, so I asked to be transferred to a supervisor. After being on hold for 15 minutes a supervisor came on the line. I went through my story with her and asked her why my account was not eligible for the promotion that I signed up for. She said that there was nothing she could do for me and proceeded to tell me that the promotion I received was the companion fare after spending {$4000.00} and the XXXX bonus miles after spending {$4000.00}. I told her the same thing that I had told the previous representative, I don't have a companion so why would I apply for a card that offers a free companion fare and that it makes no sense that I would've applied for the card to get a free companion fare ticket!
Company Response:
State: CA
Zip: 95020
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit reporting Act. The list of accounts below has violated my federally protected rights to privacy, confidentiality, and my rights of being a victim of identity theft under 15 USC 1681. Account : XXXX XXXX # XXXX, Account : XXXX XXXX XXXXXXXX # XXXX, Account : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, Account ; XXXX XXXX XXXX XXXX XXXXXXXX, Account : XXXX XXXX # XXXX, Account : XXXX # XXXX, Account : Jpmcb # XXXX, Account : XXXX XXXX # XXXX, Account : XXXX XXXX # XXXX, XXXX # XXXX. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section 2 : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681 Section 623 ( a ) ( 6 ) If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information, 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX
Company Response:
State: NY
Zip: 11787
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A