Date Received: 2023-04-15
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: On XX/XX/XXXX, I purchased via XXXX with a Chase Debit card airline tickets with XXXX XXXX for a flight from XXXX XXXX to XXXX XXXX with a departure date of XX/XX/XXXX and return date of XX/XX/XXXX ( Confirmation # XXXX ). I had purchased these tickets for {$830.00}. I had canceled these tickets at around late XXXX and asked for a refund. My refund request was granted and I began waiting for a refund. On XX/XX/XXXX, XXXX XXXX contacted me asking for my banking information for a wire transfer as the card I used was canceled ( which was true ). I sent over my wire transfer information and was told it should arrive within 10 business days. Those days passed and I did not receive that refund in my bank account ( I had asked for the money to be wired to my savings account with XXXX XXXX and they use Chase as an intermediary ). I called XXXX & Chase to ask if they had received the refund and if it was on its way and both said no money was incoming or did not have enough information to know. I called XXXX about the situation and they told me it would be 'high priority ' I called back 1 week later and was told that the 'high priority ' status meant nothing and that their refunds department made an error and that they would rectify it. It did not get rectified and I called back 3 more times over the month of XXXX, with the last time I called telling me to go take it up with XXXX. On XX/XX/XXXX, I opened a claim with Chase and asked them to get the refund on my behalf as XXXX XXXX XXXX seemed unable to do that with my calling. I sent documentation about the steps I took to get my money back with XXXX XXXX, including a refund invoice they sent me as proof that they sent the refund. The refund invoice has the wrong bank account listed on it and is not the one I had sent them. I also sent copies of the emails I had with XXXX XXXX regarding my refund and a copy of my bank statements from XXXX XXXX to prove I had not received the money. On XX/XX/XXXX, Chase Bank denied my claim, saying that as the initial purchase of the tickets was authorized there was no fixing they needed to do.
Company Response:
State: OH
Zip: 43123
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I was attempting to get a pre-approval quote from Chase because on the website it stated I can run a pre-approval without doing a hard inquiry credit pull. After doing the process they sent me a loan approval for {$28000.00} at a 7.09 % APR for 72 months. This occurred on XX/XX/23 I checked my credit score and they did in fact run a hard inquiry on me. I gave no authorization for a hard inquiry pull and I never even used the loan for a vehicle. I called Chase Customer service several times and talked to several people and no one was able to give me a solid answer. One said since i did it online there is nothing they can do. Even though i advised it was only a pre-approval process not for an actual loan.
Company Response:
State: FL
Zip: 33596
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/2023 I spoke with JP Morgan Chase about possibly opening a business account to get a loan they advised to first attempt to get a loan when I was speaking to the business loan advisor she explained I would most likely not get the loan I wanted so i told her to not worry about the loan I do not want to attempt it and I also do not want to open a business account. Later that day I checked my credit report and it was in fact hit with a hard inquiry and i received no information about this loan or business account. I called JP Morgan Chase and spoke to their business account department and they said that their is no application or account showing in my name. They then said I should report it to the credit bureau agencies to have it removed.
Company Response:
State: FL
Zip: 33596
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Chase Mortgage was in the process of reporting my Mortgage paid in full and never accomplished the task. I called the organization and they have never responded or never showed paid in full. The mortgage I am fully satisfied with why are they not showing paid?
Company Response:
State: GA
Zip: 30030
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: I have had a savings account in our Trust name with Chase Bank for approximately 20 years. On XX/XX/XXXX I bought a Certificate of Deposit for a large sum of money for a 3 month term at 4 %. On XX/XX/XXXX we received a letter from Chase that they needed us to come in and sign a Certificate of Trust Existence before XX/XX/XXXX to keep our accounts open. We did so on XX/XX/XXXX at XXXX. We received another letter from XXXX dated XX/XX/XXXX reminding us that they needed help to update information for the Trust when it is most convenient. I called on XX/XX/XXXX our customer rep ( no answer ). I then called the branch manager ( no answer ). So I called Customer Service. They told me that my savings account had been closed for inactivity. My last transaction was on XX/XX/XXXX. then the bank removed money to pay for my safety deposit box. I then drove to my branch of Chase Bank to talk to the bank manager to find that not only the savings account was closed, but also the CD as well. They were both closed on XX/XX/XXXX and checks were sent in the mail on the same day. Since then, they say the checks are in the mail and will not write me a balance for the closed accounts. I never received any notification that they were closing any account.
Company Response:
State: MI
Zip: 48154
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: We paid off the entire balance ( around {$4200.00} ) on our UNITED/Chase credit card on XX/XX/XXXX because we are traveling abroad and wanted to have the full card limit available ( {$5000.00} ). The funds were withdrawn from our bank account on XX/XX/XXXX. The new balance on the credit card account reflects that new balance ( around {$200.00} ). On XX/XX/XXXX we called Chase Card Services because the card did not work at the hotel reception. We were told that there is a 6 day hold until the funds become available on XX/XX/2023. We requested a partial release of the funds to be able to pay the hotel but the person we talked to ( XXXX-did not provide last name ) kept repeating the same and claimed he was the manager. It is not acceptable that a bank or credit card provider sits on our money for 6 days before releasing it. It does not take 6 days to make a bank transfer from a checking account to a credit card provider, when it takes 1 day for an average person to do so. We have had this card for over 20 years now and will most likely close the credit card account after this exchange.
Company Response:
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: My business was closed due to a ceiling collapse and I was unemployed for over half a year. During this time I struggled really bad in order to make my payments and didnt miss a single payment. Due to relying on my credit cards to help make ends meet, my balances became very high. I asked Chase bank if they could help me recover from this financial hardship and they continually say that account APRs are reviewed periodically. During this hardship, they increased my credit line; and have been reaping the benefits of exploiting my situation. I am paying over {$200.00} a month in INTEREST and am never going to make progress on lowering my balance if they are unwilling to assist me. When speaking with customer service, they refuse to connect me with anyone pertaining to my hardship or even to set up a payment plan with a temporary rate. Ive expressed that their actions are predatory and that I feel exploited. I would hate to assume that this pertains to race or anything of that nature, but I was taken aback by the complete and utter disregard for a loyal customer who CONTINUALLY makes timely payments for years. I have a perfect payment history on my credit profile and have also had a bank account with Chase for over 10 years.
Company Response:
State: IL
Zip: 613XX
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-16
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: My business was closed due to a ceiling collapse and I was unemployed for over half a year. During this time I struggled really bad in order to make my payments and didnt miss a single payment. Due to relying on my credit cards to help make ends meet, my balances became very high. I asked Chase bank if they could help me recover from this financial hardship and they continually say that account APRs are reviewed periodically. During this hardship, they increased my credit line; and have been reaping the benefits of exploiting my situation. I am paying over {$200.00} a month in INTEREST and am never going to make progress on lowering my balance if they are unwilling to assist me. When speaking with customer service, they refuse to connect me with anyone pertaining to my hardship or even to set up a payment plan with a temporary rate. Ive expressed that their actions are predatory and that I feel exploited. I would hate to assume that this pertains to race or anything of that nature, but I was taken aback by the complete and utter disregard for a loyal customer who CONTINUALLY makes timely payments for years. I have a perfect payment history on my credit profile and have also had a bank account with Chase for over 10 years. Seeing as I bank with Chase, they knew EXACTLY what they were doing by increasing my credit line during my hardship and their unwillingness to assist makes me feel like I am just another victim of a big time bank and that Chase will not be held accountable for predatory actions/intent. Chase is experiencing record setting success at this time and it is clear why.
Company Response:
State: IL
Zip: 613XX
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-16
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I am someone with perfect credit history & uses my checking account on a weekly basis but this did not stop chase bank from holding my money for over 3 yes 3 WEEKS stating my account at first was pending until the Wednesday of the following week only to close my account with no explanation it has been already 2 week since that date & they still have yet to send me the check from the couple thousand I had in there it is now Saturday night & the rep I spoke to on the 24hr hotline was the one who informed me the check has still not been sent?! Then once the check sends they say it takes 7-10 buisness says so they put my account on hold for 2 weeks only to close it unbenouned to me & then they are taking a week or more to send the check making this 3+ weeks of waiting for MY HARD EARNED MONEY I have been a customer for over 8 years with no issues they have also made it impossible to access previous bank statements which are needed stating I need to waste more of my time they have already stolen from me to go into a branch to speak to them
Company Response:
State: IL
Zip: 60120
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-16
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: Despite my never once being 30-days late, my exorbitant interest rate has made paying this credit card in full completely impossible. I previously disputed the charge below as the first set of eyeglasses that I received were damaged. While the company did replace the damaged eyeglasses, they replaced them with a pair in which the bifocal prescription is defective. While I can not see out of these brand-new glasses and they are of no use to me because I can not see to read out of them, Chase has rebilled my initial credit from my dispute of the original damaged eyeglasses and Chase representatives have repeatedly refused to place a new dispute on the defective replacement pair. {$180.00} Transaction date XX/XX/XXXX Posted date XX/XX/XXXX Merchant info XXXX XXXX XXXX XXXX Description XXXX XXXX XXXX XXXX. Also known as XXXX XXXX Merchant type XXXX Method Online, mail or phone Card number ( ... XXXX ) Category Health & wellness Worst of all, representatives of this bank have repeatedly promised authorized XXXX XXXX relief and to date, no such relief has been provided.
Company Response:
State: FL
Zip: 34787
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A