Date Received: 2023-04-12
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: I was told two days ago by Chase that there was no way the repo man from the previous dispute could get into my wifes car which was locked when he repossessed it. He did and thats what triggered the theft alert on the car. While the vehicle was at the repo yard, my wife received the same alert. When I got there to see if someone was tampering with the vehicle, the alarm was indeed going off. I silenced it with the key and not five minutes later the alarm went off again. He had forced his way into the vehicle and he was under the hood of the car this time and opening multiple doors. The manager from Chase stated that there is no way he could have opened the door but he was able to when I seen him with my own two eyes. Also, I was told today that on the bottom of the notice of sale that Chase sent me only means they can charge the full balance of the loan once its defaulted. The phrase at the bottom does not mean they have the option to reinstate or work with a consumer to get the loan reactivated. Which is false advertising. Also, there were no documents filed regarding the repo according to LA state laws in the Administrative process. Chase is breaking multiple consumer laws. This has been a nightmare. This can not be legal.
Company Response:
State: LA
Zip: 71118
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently pulled up my XXXX, XXXX and XXXX credit file to be surprised. There were inquiries from this company that I did not authorize. This company viewed my file in XX/XX/2022 and twice on XX/XX/2022. I never gave them permission to look at it once, much less three times and twice on the same day
Company Response:
State: TX
Zip: 77007
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
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 at XXXX XXXX XXXX, money was taken from an ATM from my Chase account. I called Chase and had my debit card ended within the hour. I filed this claim and told Chase it was not me as I was at my office at that time at XXXX XXXX XXXX in XXXX XXXX the claim took a long time to process and in the last few days the temporary credit Chase issued was rescinded and the claim denied. They said the device was a known device that made the withdrawal and I was not there. I spoke to Chase and they said they did not pull ATM camera footage. They did not do an adequate investigation. There was no way I could have made these withdrawals. Chase is refusing to give the stolen money from my account.
Company Response:
State: TX
Zip: 75219
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
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: Need to file dispute for two sperate charges from XXXX XXXX XXXX XXXX. {$850.00} posted XX/XX/XXXX and {$1300.00} Posted XX/XX/XXXX. Series of events : XX/XX/XXXXXXXX XXXX XXXX, we attended a dune tour in XXXX XXXX CA with my family at XXXX XXXX XXXX tours. We signed rental agreements with merchant that did not have the numbered information that it has now and a huge premise for the given dispute. I have just ( XXXX, XXXX, XXXX ) received correspondence of provided information sent to Chase by this merchant in the mail postmarked XX/XX/XXXX. The data provided is not in full context and the damage information is vague, unexplained, confusing and the figures were NOT written in when rental agreements were signed. These figures were never discussed with me as a customer. Upon the completion of the tour, we were asked to provide a positive XXXX review for a t shirt. no damages or issues occurred within the rentals and the merchant provided no feedback at the conclusion of the tour to anything that needed repair. NO ISSUES. There was a {$1500.00} deposit made for all equipment to be covered in case any damages were discovered on and/or directly after the tour. Statements are clear in account history that the deposit was made and then an amount of {$1200.00} was Returned on XX/XX/XXXX by the merchant. The amount of {$290.00} retained by the merchant was explained over the phone on that same date for a " roll over policy '' and I agreed that it was a fair charge for my XXXX XXXX XXXX tipping the ATV while riding. EVEN though NO damage was seen. I specifically asked the merchant if everything else was square and he said that we were all good to go and hope to see us again. XX/XX/XXXX. I received a strange text from XXXX XXXX XXXX tours ( attached screenshot ) that stated XXXX XXXX, XXXX XXXX XXXX tours here. Thanks for taking care of that XXXX XXXX symbol much appreciated. It was at this point that I called and couldnt get a hold of the merchant over the phone. It was confusing to say the least as I had no clue to what the text was referring to. I immediately logged onto chase mobile and noticed the 2 charges in dispute, one that had already posted in the amount of {$850.00} and another charge that was pending of {$1300.00}. Not one time were these charges discussed with me by email, text, or phone conversation. I reached out numerous times over the phone that day and texted that I wanted to receive the correspondence that related to these charges to my XXXX account. Needless to say, this email never occurred. I reached out a few more times before receiving a voice message on my phone that was very unclear and slightly threatening. The merchant had said something about collections and getting ugly and sick really fast. XX/XX/XXXX, continued. I notified chase customer service about the two charges that had happened. I was referred to dispute team and I explained that I was not physically there for the two charges and did not authorize them. NOT VALID. They then referred me to another department that cancelled the charges and the card and sent us a replacement. I was informed that these charges would not be my responsibility as a customer and were unauthorized charges made against our credit card. XX/XX/XXXX. My wife was going to make a payment on our credit card and noticed both charges had been reinstated onto are account. Chase did not contact us by phone, email, text, or mail as to why these charges were once again upon our account. I called customer service to investigate the issue and was informed that the merchant had sent a memo of rental agreement and a damage report. I advised the agent that I had still never received any of this from the merchant and wanted to know why I was not contacted about this correspondence being available. The agent told me that the charges were valid, and I had to take my case to the merchant. I informed the agent that I had tried to get in touch with this merchant multiple times and never had any luck in doing so. We are now over 2 months removed from our tour and business transaction and we were back to square one. I asked to speak to a supervisor and once again she told me that I needed to talk to the merchant. At this point I ended the phone call. I called back and talked directly to the fraud department after that. When I spoke to the fraud agent, they informed me that the correspondence that the merchant sent was justified and that they would send me a copy in the mail. XX/XX/XXXX. Still awaiting correspondence. Credit score dropped by the end of statement due to the charges brought back into account. I contacted customer service once again over the phone to get an update. They were unaware of what to do and wanted to transfer me to fraud department again. I refused and asked to speak to a supervisor. A service supervisor came onto the phone and listened to the long story of where we are now in this journey. She then informed me that I needed to talk to the dispute department about the transactions. I informed her prior to the transfer of the call that this is the department that started it all and gave me the run around to the other departments from the very beginning. My call was transferred, and I began conversation with a dispute representative. I immediately asked for the assistance of a supervisor due to the phone run around, lack of communication, overall confusion, customer dissatisfaction, and unresolved account issues. This was the end of the line for these dealings. The supervisor came onto the phone and explained the chase system of dispute. She explained that I needed to write a message on the chase website and submit for dispute to handle the transactions. XX/XX/XXXX. I finally received the correspondence that Chase had received from the XXXX XXXX XXXX tour merchant. After review I can confirm that this information of charges was not present on these forms and were signed prior to the tour. There are notes of the {$850.00} and that the charges were texted ( FALSE ). There is another note about this invoice being emailed. ( FALSE ). These numbers and figures jotted down are unclear, and disorganized and do not clearly state any clear damage to any of the rentals and were never discussed with myself or any of my other family or friends on site on XX/XX/XXXX. I have two other witnesses that can confirm the same claim. Additionally, the time says we ended at XXXX XXXX. We were still on the tour until XXXX XXXX. I distinctly remember this due to calling my wife as soon as we got to the facility to let her know it was done. No figures of damage or repair were reported to us at the facility, after the tour and especially not by XX/XX/XXXX, when the first charge happened. When there is a {$1500.00} deposit sent back in the form of {$1200.00}, business was concluded XX/XX/XXXX. The transactions that occurred after XX/XX/XXXX were done so without verification, notification and without damage. Damage was not present on any of our rentals upon conclusion of the tour and there was never any discussion of damage to any of the vehicles. no pictures, no proof, no nothing. Once again, even when asked for correspondence to be sent to my XXXX account on XX/XX/XXXX, I got absolutely nothing from this business. I have even attached multiple XXXX reviews on this business in reference to the same issues that I am experiencing. There is even a review that mentions how this company has changed their name in recent history due to negative reviews. Additionally, I have sent snap shots of the only text conversations that were had with myself and still have the threatening audio voice message from the merchant saved to my phone. Between the bad experience with the merchant and now going through nearly 3 months of conflict internally with Chase, this has taken a toll, not only on the credit score but on our livelihood. Things from the beginning have been handled irresponsibly, with little to no care, insufficient feedback and overall poor service. I have been dissatisfied multiple times with the way these transactions have been handled and hope that the dispute team takes these issues serious and handle them professionally for myself, the customer. It has been a long road to say the least and look forward to working with the dispute team to put the shady transactions against our card to rest. I attempted to do as instructed with this message and send it as a dispute through the messaging system as instructed by a dispute supervisor. After going through the system to do so, all it did was lead me to a page that told me to call customer service. Just another roadblock in our process. I am a good paying customer... GREAT credit history. I deal with other banks that are TOP NOTCH. Chase has been HORRIBLE. They do not care.
Company Response:
State: CA
Zip: 92118
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I received a call from XXXX today regarding my complaint. Chase can not be serious to have the same person who did not complete a thorough investigation initially and advised I file another complaint now complete the investigation into my complaint. Im taking this action as clear indication Chase does not take these complaints seriously or the purpose of the CFPB seriously. I do not want XXXX working on my complaint. Shes proven to be grossly incompetent and wasteful of Chases resources, the CFPBs resources and a waste of my time. If my complaint is not taken seriously, I will move forward with filing a lawsuit into the investigation as to why Chase accessed my credit monthly for nearly a year without a justified reason, notification, pulled my credit three times in XX/XX/2022 and XXXX has confirmed I am not a cardmember. Find another equipped employee to handle my complaint and complete a thorough investigation.
Company Response:
State: NJ
Zip: 07083
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: For about 3 months I have contacted Chase in reference to receiving mail for an unknown person to me or the address. This mail from chase is for a checking account. Chase today specifically a supervisor by the name of XXXX advised me Chase can not verify addresses when customers open an account so there is nothing they can do in reference to a fraudulent account being opened using my address.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My Chase credit card was closed by Chase with no explanation. When I called to ask, they would not let me know why they closed my account. I would like the following : 1 ) An explanation of why my account was closed, and 2 ) Credit of the {$95.00} annual fee that I paid and now do not have use of this card. Thank you.
Company Response:
State: FL
Zip: 33179
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I sold annuity payments to XXXX this is my 5th time doing so using my former bank. I am now banking with Chase bank I went to chase bank in person to cash my check in the amount of {$2600.00} and make a deposit the teller gave me a number to the frauds department. They said there is no public record phone number for XXXX so chase bank is considering the check to be fraud it's been a week since I went to cash my check the steps I have taken to resolve the issues are I've called and talked to them until I'm blue in the face I've spoken to XXXX and explained what is happening what they have said is they don't understand why because the check has been cleared chase bank customer service says even if the check is cleared I will not get the money I set up a meeting with a banker at chase bank with a banker to provide a certified contract for this loan and past contracts and court approval documents that prove this is not fraud and they still won't release my money I feel that chase bank is discriminating against me because I'm XXXX they must think I don't know what I am doing
Company Response:
State: AZ
Zip: 851XX
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I received a letter from Chase bank informing me that they are closing my check and two credit card accounts. The reason they give for closing them is because a previous credit account was closed. That is all. I called the bank and they told me that they can not help me. My relationship with Chase Bank began on 2010. It has been always a good one. I do not have fraudulent behavior nor transactions that, in my opinion, are not suspicious.
Company Response:
State: CA
Zip: 958XX
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I received a check from my accountant on XX/XX/2023. The check is my tax refund amount and was issued via a bank called XXXX XXXX. The check is for {$3000.00}. I deposited the check via mobile deposit on the Chase app on my phone and I received a notification that the check would not be available until the next day. After the next day, I received another notification that the check would be on hold for a week. I was able to use my account until the second day after cashing the check and Chase put my whole account on hold. I called Chase and asked why my account was on hold, they said that they were unable to verify the check, although the verification number is clearly on the check. I also provided them with another verification number, that is clearly presented on the bank 's website. Basically, Chase is refusing to release the funds and they are even holding my personal funds that are different from the check. 2 weeks later after depositing the check, I walked into the branch to see how I could verify in person rather than verifying on the phone. They said the maker of the check has to come in with two forms of ID, which is impossible because the maker of the check is a small bank. I asked if my tax lady could come in and verify but they refused. I had three accounts with Chase and they only let me take out funds out of one account. The rest of the funds are still on hold. It has been 2 months and I still cant get ahold of my funds. On XX/XX/XXXX, they told me they would send the funds from the check plus my personal funds through a cashier check and I would receive it through mail within XXXX business days. I only received a check from them for {$46.00}. I called again on XX/XX/2023 and they are basically stating that they will hold on to my funds for two years and eventually send the funds to the government. This is ridiculous. I have been unable to pay bills. I am a single mother that depends on my funds. The next solution would be contacting a lawyer to see what can be done. My tax lady has even called and requested that they send the check back to her so she can issue another check to me or find another solution. They refuse.
Company Response:
State: OH
Zip: 43206
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A