Date Received: 2023-04-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: on XX/XX/XXXX somebody call chase to submit a claim and request to close my card so today i call because i try to use my debit card ending XXXX and were declined so when i call they told me about the situation so i request to cancel that claim and see if they can reopen my card but they didnt after that they say that they cant verify me and i need to step on a branch right now im in XXXX i had a emergensy my son had a XXXX XXXX and i need them to reopen my card to pay the hospital i dont get why they say they can verify me if in my accounts i had a verval password security questions my phone and email updated
Company Response:
State:
Zip: XXXXX
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: 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: Hi, Please review below evidence for my dispute for the transaction I booked this reservation from XX/XX/2023 to XX/XX/2023 through XXXX and the place is called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I cancelled the reservation 48 hours before I go there due to medical emergency for a near-death event for my pet, and did not use any of the service. They provided contradicting information to us, mislead us to cancel the reservation under the impression that I can get refund back later, but then refused to refund any amount back to us. I disputed this charge through my Chase credit card, the merchant did not respond within 60 days and Chase credited my account with the amount I paid. However, I checked on XX/XX/2023 and it shows that Chase rebilled me the same amount without any response from the merchant and any notification to me. And doesnt allow me to reopen the dispute. This is highly unreasonable given the supporting evidence I provided and lack of communication. Full detail below : On XX/XX/2023, theres a medical emergency for my cat and I sent her to the ER for rescue. Shes at high risk and could die anytime. I need to transfer her to different hospitals and would not be able to go to the reservation I booked which starts from XXXX. I immediately notified the host through XXXX At the very beginning ( XX/XX/2023 ) I was told by an agent that as long as I provide documents for the emergency medical records then I will be able to get a full refund and she will go ahead to cancel the booking for me. ( This conversation happens over the phone call, and she also sends a message later to confirm on this ) Then at ( XX/XX/2023 ) they changed their mind and said there will be no refund until someone else booked those cancelled days, then I can get the refund for those days. ( This conversation happens over the phone ) But the next day ( XX/XX/2023 ), we showed them all the cancelled days are already rebooked ( screenshots provided in the documents ), they changed their words again and told us that even those days are booked by someone else I will still not be able to get any refund. ( This happens through email ) Besides that, the platform first told us that they contacted the host and the host wont be reachable until XX/XX/2023 and ask us to call the host after that, but on XX/XX/2023, they emailed us saying that the host declined to refund us any money. We asked them to provide any evidence of the communication which they failed to do. They also gave us a number to call the host directly, which we called several times and no one ever answered the phone and we found later that we are blacklisted and blocked by that number. Additionally, the price we paid initially includes not only the room fee, but also cleaning and other fees which would not be spent if we have not even spent a single minute there. Their information is highly inconsistent and mislead me to cancel the booking with the impression that Ill get refund back. Attached are the evidence showing that the days we cancelled already been fully rebooked on XX/XX/2023 and conversations with them at our best efforts. I highly suspect that the host/the platform lied to me initially by saying if cancelled I can get the full refund. So that on the website this place will be shown as available and new people can book this place. By doing this, they can receive double payments from the cancelled period. On the one hand they received payments from new bookings, on the other hand they still hold the payments I paid to them. I have been to many trips, but I have never seen this behavior before which I think is highly fraudulent and not trustworthy. Please kindly assist on this case and feel free to let me know if any questions.
Company Response:
State: NJ
Zip: 07093
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: XX/XX/2023 at XXXX from me - submitted the following question to CHASE : " I recently drew down my account. Is there a monthly fee now that I have a balance of less than {$15000.00}? If so, I would like to close this account. '' XX/XX/2023 at XXXX XXXX from CHASE- Thank you for contacting us. We're sorry you decided to close your account and hope you consider us for your future banking needs. At your request, we'll close your account and return the remaining funds to you by check if any. Here 's what you need to know : - The account will close when there are no pending transactions and there is a XXXX balance. - Please cancel any recurring transactions as soon as you can and set them up on another account. - Make sure your account has enough money to cover any electronic ( ACH ) debit transactions that may appear on your account for the current business day ( 1 ), as well as any previously approved debit card transactions. This could delay when your account closes. - If your account has a positive balance, we'll mail you a check for the remaining funds seven business days after the account is closed. If you recently updated your address, we'll mail it 30 days from the account closure. To receive your money sooner, please visit any of our branches. - If you transfer the funds to another Chase account, they will be available immediately. Here 's what will change starting today : - You won't be able to make purchases with your debit card. - You won't be able to deposit money to your account at the ATM, online, by phone, or at any of our branches. - You won't be able to withdraw or transfer money from your account at ATMs, online or by phone ; you must visit a Chase branch. - We won't make Overdraft Protection transfers, to or from this account, if you are enrolled. - We won't charge monthly service fees or Overdraft Fees to this account. - We won't pay checks written from your account. When the account is closed, you won't be able to : - Access your account activity or statements through chase.com, the Chase Mobile ( R ) app ( 2 ), or Chase by Phone. - Make recurring electronic deposits ( such as Direct Deposit ) and electronic withdrawals ( ACH debits ). - Receive interest on interest-bearing accounts. Thank you for being a Chase customer. We hope you consider us for any future banking needs. We appreciate you being a Chase customer. Thank you, XXXX Chase Email Servicing ( 1 ) '' Business day '' is a weekday that isn't a holiday. If a request to close an account is received on a non-business day, it will be considered received the following business day. ( 2 ) Chase Mobile app is available for select mobile devices. Message and data rates may apply. XX/XX/2023 at XXXX from me - " My question was Is there a monthly maintenance fee now that there is less than {$15000.00} in the account? THEN, If so, please close the account. You didn't answer the first question. So I'm assuming that there's a fee when the balance is less than {$15000.00}. Is that assumption correct? If there is no monthly maintenance fee, I'll keep the savings account open and build it back up. '' XX/XX/2023 at XXXX from CHASE We thank you for writing to us about the XXXX XXXX XXXX on the savings account. I'll be glad to review your inquiry. We regret for any inconvenience caused based on the previous email response. Please know that we do not offer any no-fee account. Every account that we offer has a Monthly Service Fee. Depending on the account you have, we offer different requirements to help waive the fee. You have our Chase Premier Savings account. The {$15000.00} balance requirement is a daily beginning day balance requirement. If for any one day your beginning day balance falls below the daily minimum balance, the Monthly Service Fee will be charged on the last day of your statement cycle. However, if it is linked to your XXXX XXXX Checking account, a fee won't be assessed on the savings account. The Chase Premier Savings ( SM ) account has a {$25.00} Monthly Service Fee. We'll waive this fee for any statement period when : - This account is linked to a Chase Premier Plus Checking ( SM ) or Chase Sapphire ( SM ) Checking account, or - There is a balance at the beginning of each day of {$15000.00} or more in your account. We are unable to re-open the account via this email. To discuss re-opening your savings account, please visit us at any branch. You may need to make a same-day cash deposit. You can save time at a branch by calling ahead to schedule an appointment with a banker. Find the phone number by searching under ATM & branch at chase.com. We appreciate you being a Chase customer. Thank you, XXXX Chase Email Servicing Important Information : The terms of the accounts, including any fees or features, may change. See the Deposit Account Agreement and Additional Banking Services and Fees for the terms and conditions associated with these products. Accounts are subject to approval. XX/XX/2023 at XXXX from me : Thank you for responding. You all have access to ALL of my accounts, yet, I still don't have a definitive answer so now, I need to check to see if the checking account you're referencing is the type of checking account I have when you could have easily said " you have an x checking account and it is ( or isn't ) eligible for a savings account with waived fees ''. If you all have closed my account based on your misreading of my initial email ( and despite the fact that it didn't have a XXXX balance ), I'm not inconveniencing myself to physically visit a branch to reopen it and I'll never open another savings account with Chase. This makes 3 contacts with an attempt to have a question answered and/or resolve an issue. This can't be considered customer care. I'm with you until my mortgage is paid off. XX/XX/2023 at XXXX from CHASE XXXX Thank you for contacting us. We're so sorry to hear about your unpleasant customer service experience. We strive to provide outstanding customer support, and it's disappointing when we fall short. This is never the type of experience we want you to have. Your feedback is important to us. We will share it with the appropriate team. We reviewed your now closed savings account. This account was linked to your Chase Premier Plus Checking ( SM ) which is another way to waive the Monthly Service Fee. We're so sorry you decided to close your savings account. As for your checking account, the Monthly Service Fee is being waived because it is linked to your Chase Mortgage with automatic payment. We appreciate you being a Chase customer. Thank you, XX/XX/2023 at XXXXXXXX XXXX from me : " I DID NOT DECIDE TO CLOSE MY ACCOUNT!!!! ''
Company Response:
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/XXXX I made a large deposit at chase bank. 2 checks payable to me. One for {$10000.00} and another for {$15000.00}. XX/XX/XXXX i was told the funds would be available. In the app, it showed an available balance of XXXX. But i still had no access to the funds. I called chase customer service. Chase put my account in restriction. They told me the checks could not be verified through their system, and that one of the checks had been altered. I complained to them about arresting my earned income from direct deposit and that I was expecting a child support payment. Some one made a note on my account about an ach payment that I should be allowed to withdraw at the bankers discretion. I eventually did withdraw the ach payment. Also the check for XXXX, was verified. XX/XX/XXXX chase attempted to verify the phone numbers. Again! For the check of XXXX I go to a local branch and speak to 2 bankers who seem confused about why chase is having issues with verification. They call customer service and CS tells them they will hold the money indefinitely. XX/XX/XXXX After 10 days of my account being in restriction chase closes the account. XX/XX/XXXX local branch manager tells me chase closed my account, I will be receiving 2 checks. One for the direct deposits of my an my mis ands income, and onefor the XXXX. I received them. XXXX receive a cashiers check in the mail for XXXX XX/XX/XXXX I receive a cashiers check from chase for the XXXX XX/XX/XXXX. The XXXX still arrested with no hope of verification. The checks for XXXX XXXX was presented for payment on the XXXX of XXXX by chase to XXXX bank. And XXXX released the funds to Chase.
Company Response:
State: OH
Zip: 45044
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 at XXXX I made a cash deposit of {$4300.00} into a Chase ATM. The machine then later displays a message on their screen saying To be sure your deposit went through please call us at XXXX. Well print this number on your receipt. I called that number and was told that their claims department was closed to call back in the morning which I did. Chase filed the claim and then a few days later comes back and says they couldnt locate the funds. A week later I contacted their XXXX office and spoke with a Person named XXXX XXXXXXXX XXXX XXXX and she later said they only found {$2700.00} and they credit my account for it. In addition chase will be closing my account. As of today, XX/XX/2023 chase is saying to me that they never found the funds so therefore they can not issue a credit. They have been going back and forth changing their stories and I just need my money back. They decided to close down my account after I filed the claim with all proof. They have videos and cameras at the atm and sensors they know I deposited my money.
Company Response:
State: PA
Zip: 19124
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I have put about XXXX checks in this account. Every check I deposit has been placed on and extended amount of hold time. Every-time I place a check in this bank it flagged. I feel like I'm been targeted because of my name and discrimination. My father passed way myself and siblings where giving money as a beneficiary. My siblings checks cleared with no issues or additional holds. For some reason chase keeps flagging my account. I give them no reason to flag my account. I have never wrote a bad check or have a check bounced that I deposited. I an being targeted. Now I am unable to pay my fathers funeral because they out additional 5 day hold on my account. They don't help when you call all they say they can not disclose why my account is flagged. I am being targeted! I will like to sue for discrimination.
Company Response:
State: PA
Zip: 19438
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I established a HELOC with Chase over 10 years ago. I agreed to a XXXX fixed rate. I noticed in the last five years that the payments were different every month. I finally got someone on the phone who agreed with me and set my payments at XXXX per month. I put that amount in bill pay and life moved on. Before my XXXX XXXX XXXX XXXX XXXX I again noticed that my payments were all over the place and I called them again to find out what the problem was. I couldnt get anyone on the phone and continued paying the above amount. In XXXX of this year I received a message from XXXX which indicated that chase had posted a negative hit on my credit report. I called Chase again and was told I would have to pay a balloon payment to get my account back on track. This balloon payment from XXXX to over XXXX in one month. I have been declared XXXX by the state of Maryland. Unfortunately this has been extremely stressful for me. I dont know what to do. Any advice would be helpful. Thank you.
Company Response:
State: MD
Zip: 21043
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: We refinanced with Chase in XX/XX/2022. The loan is mortgage only. We pay for insurance and taxes directly. In XX/XX/2022, In XXXX, I noticed that my mortgage payment would be put into Unapplied Funds and taken out and that a late fee was attached and removed. Thinking this is odd, I called Chase and learned they imposed this escrow representing homeowners insurance because they thought I didn't have it. I sent them a copy right away for XXXX ( you can tell the save doc on the attachedpdf ). the next time I check my paperless statement, the escrow is still there. So I call again to learn they needed the policy year prior, XXXX. Again I provide it to them right away. While I provided the documentation, they do not remove the escrow account which is causing my payments to be treated as late because they are not receiving the full amount due in their eyes. How they handled the payment I sent was to deposit it into an " unapplied funds '' account. I called them a lot and got a different person every time. Each one would say " Well you owe the escrow '' and I would explain the situation, be put on hold for a long time, and get the same answer that it would be fixed. Finally, one person around midXXXX got the escrow removed. For some reason, the company then sent me the amount of {$110.00} representing one month 's escrow for the homeowners ' policy they instituted that was never needed. Again in calling, I learned I had to pay them back for this in order for the XXXX payment to process on time. While I thought I had this wrapped up once and for all, they reported XXXX as late and imposed a late fee. I have tried vigorously to get someone to change the status on my credit report but to no avail. I believe that calling them is a waste of time and an invitation to further stress and aggravation. I NEED HELP. My credit has been negatively impacted and the timing is horrible because I need to buy a new car but can not because my credit is in " Fair '' status when normally it is XXXX and above.
Company Response:
State: PA
Zip: 19067
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a voice mail this morning that requested I contact the following number ( XXXX ) XXXX ( File # XXXX ) regarding a summons that I failed to respond to. However, I never received a summons. I called the number and spoke to an individual ( XXXX XXXX ) who indicated they represented a firm by the name of XXXX XXXX. They transferred me to a guy who indicated that I failed to pay $ XXXX Chase Credit Card balance. Ive never had any Chase account of any type. I told this guy that, and he responded caustically, and abruptly indicated that he would see me in court. I thoroughly believe these individuals were Phishing. I never gave or provided them any information. Also..Ive never received any correspondence from Chase indicating that this debt was owed. Your assistance is greatly appreciated.
Company Response:
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I had a merchant double charging my debit card consistently. As each double charge occurred I opened a claim with my banking institution. This institution decided my account was " risky '' due to the claims opened ( too many claims ) and closed my account immediately ; even though the claims were all resolved and noted that I'm not responsible for any of the double charges.
Company Response:
State: CO
Zip: 80112
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A