Date Received: 2023-04-10
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: This is regarding a charge for a purchase that the shipping carrier returned to the sender, the merchant, and the merchant ( XXXX ) has signed for the delivery indicating it has received the returned package that correlates to my original order tracking number, charged to my Chase credit card ending in XXXX. I purchased 2 items from XXXX on XX/XX/2023 and was charged {$5800.00}. XXXX shipped me this order ( Order Number XXXX ) using XXXX ( XXXX tracking XXXX ). I disputed the charge because the XXXX tracking clearly shows that the items were returned to sender using the XXXX carrier the merchant chose to ship the item with, and was delivered back to XXXX warehouse signed by XXXX on XX/XX/XXXX. Chase decided in favor of the merchant XXXX because they supposedly provided an XXXX proof of delivery on stating the items were delivered on XX/XX/XXXX. But I provided XXXX proof of delivery for the same tracking number showing it was returned to sender and delivered ( signed and received by XXXX ) at their warehouse of shipment origin on XX/XX/XXXX. The XXXX proof of delivery showing the items are returned to the sender showing delivery back at the merchants warehouse AFTER the proof of delivery XXXX provided should trump what XXXX provided becusee XX/XX/XXXX is AFTER XX/XX/XXXX, and the tracking shows the items were being returned to sender on XX/XX/XXXX, so obviously I as the consumer should not be responsible for any error on the part of the merchant or their shipment carrier where they returned the items back to the merchant and received them. I as the consumer should not be held responsible to pay any order where the items were returned to sender and XXXX clearly received them back after XX/XX/XXXX, because the XXXX tracking clearly shows XXXX received the items returned to sender on XX/XX/XXXX. XXXX tracking XXXX. I am owed my money back and XXXX promised to send me replacements but then canceled that and refused to refund me for the items that were returned to sender. Chase somehow is neglecting basic carrier tracking information showing it was delivered returned to sender signed by XXXX on XX/XX/XXXX. I no longer have the items and the merchant has them. The consumer should not be held responsible for any items that were returned to sender, the merchant XXXX.
Company Response:
State: WA
Zip: 98116
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I purchased a new vehicle in XXXX of 2022 financed through Chase auto finance and had automatic payments set up when I initiated the loan on the car through my bank at XXXX. In XXXX of 2022 my mother made a payment on my account for me and at that time a customer rep from Chase without my knowledge or permission canceled my automatic payments coming out of XXXX and changed the banking information for payments from my bank to my mother 's bank. Unbeknownst to me after that my payments were not being made because my mom 's account was used for other bills. I will concede it was irresponsible of me not to check my statements but since I had automatic payments in place really didn't even think it was necessary so I own that fault. However ; the stopping of my payments and the changing of the account information was all on the finance company. Then on the XXXX of XXXX, my vehicle was repossessed so I logged into my online account and saw that I was in arrears I contacted Chase to bring my account current which they refused to let me do, and as I was speaking with the rep from the department responsible for the account they deleted my account information as I was speaking to her so I had no access to any of the account information any longer. After that, she told me that I would have to pay the full balance on the loan of XXXX to get my vehicle back. All I wanted was to bring my account current and get my vehicle back and continue with my original arrangement before they went and changed everything on me without my knowledge or permission. I don't think they are allowed to delete account information either since that was the only way I had any of the details necessary to contact an attorney to assist me with this. I don't know what I am supposed to do at this point so I wanted to file a formal complaint against them for unfairly treating me with respect to this matter. Very Respectfully, XXXX XXXX
Company Response:
State: PA
Zip: 186XX
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: To whom it XXXX concern : Good afternoon, I am sending this over to dispute the XXXX denials of my dispute with Chase bank in regards to {$14000.00} being deducted out of my Chase Checking by a fraudster using my Chase debit card via XXXX XXXX in total of {$14000.00}. I have email correspondence between myself and XXXX XXXX XXXX XXXXXXXX ) as well as the e-mail correspondence between myself and XXXX ( XXXX ) in which I sent to chase as part of the investigation reporting the fraudulent charges that were completed on my Chase debit card that Chase has somehow deemed authorized. I never authorized any of the transactions listed below that have already been taken out of my Chase Checking account. The total amount of the fraudulent charges is {$14000.00} that were withdrawn from my chase checking account ending in XXXX with debit card ending in XXXX attached to that named checking at that time. I Initially Called and reported the fraudulent transactions when I first noticed my account had been compromised on Wednesday XX/XX/XXXX at approx XXXX when I had initially noticed the fraudulent transactions. I locked my Chase debit card from the app prior to calling. Chase Fraud department was closed at that time I reported the fraudulent activity, in which as advised by your representative I followed up the following day Thursday XX/XX/XXXX to report all 15 transactions. I then followed up with fraud team again Sunday XX/XX/XXXX at approximately XXXX as well as Monday XX/XX/XXXX at XXXX. Email correspondence was sent to XXXX XXXX and XXXX XXXX regarding the Fraudulent transactions and was told by both there was nothing they could do that I had to reach out to bank/card carrier in which I immediately did as well as changing passwords, usernames and adding 2 factor authentication to accounts. As soon as I noticed the Fraudulent transactions I immediately locked my debit card and requested a new one. I Kindly ask that some hold Chase accountable and reopen this matter and look into it further due to the fraudulent activity in the amount of {$14000.00}. I do not feel that there was a proper investigation done considering the magnitude of the amount and from what I was told the transactions were completed through XXXXXXXX XXXX which I never authorized, nor did I authorize any other individuals to do so. My phone and other personal items were on me at all times and never misplaced or lost. I was told by Chase Fraud team that their findings included there to be a 2 factor code that was verified during these transactions. When these transactions were made I never received a Fraud alert from chase nor did I ever receive any type of code that would cause any alarm that there was fraudulent activity being completed with my card. I would greatly appreciate it if this could be looked into further and if more time is needed by their team a provisional credit of {$14000.00} be issued to my account while a investigation is being completed. The amount that was taken from me without knowing is causing a financial hardship due to the magnitude of the amount and I feel needs to be looked into further. Like mentioned I have attached email correspondence between the two merchants regarding the fraudulent claims and I feel that Chase and XXXX need to look into this further and stand behind there Zero Liability Protection. If there is any further information needed from me please do not hesitate to reach out as I will do whatever is necessary to help rectify this issue to obtain the {$14000.00} which is rightfully mine. I have followed all of your steps that I was advised to do by Chase Fraud team during this process and feel that their findings are incorrect and am still out {$14000.00} and Chase claims that theirs nothing they can do since their was already transactions completed prior to the fraudulent ones that is the reason they are not accountable. They claim if you have ever made a transaction with a specific merchant in the past using that card any fraudulent transaction done with that card is not covered. Along with the email correspondence I had sent and attaching a article that I came across while researching how my XXXX XXXX could possibly be compromised and it states in the article One fraudster said that XXXX XXXX is the easiest way to make money with a recently developed hacking tool available in the digital underground that focuses on stealing victims multi-factor authentication tokens. I feel that chase and XXXX need to look into their security further and on how this could be stopped as well as standing behind their Zero Liability Protection. I would like to thank you in advance for your time and consideration in this matter when reopening and looking into this further. Respectfully, XXXX XXXX XXXX XXXX XXXX {$11000.00} from XXXX XXXX {$2500.00} XXXX XXXX {$180.00} XXXX cleared XX/XX/XXXX {$2500.00} XXXX cleared XX/XX/XXXX {$100.00} XXXX Cleared XX/XX/XXXX {$1200.00} XXXX Cleared XX/XX/XXXX {$2100.00} XXXX Cleared XX/XX/XXXX {$1000.00} XXXX Cleared XX/XX/XXXX {$650.00} XXXX Cleared XX/XX/XXXX {$250.00} XXXX Cleared XX/XX/XXXX {$100.00} XXXX Cleared XX/XX/XXXX {$100.00} XXXX Cleared XX/XX/XXXX {$100.00} XXXX Cleared XX/XX/XXXX {$100.00} XXXX cleared XX/XX/XXXX {$900.00} XXXX cleared XX/XX/XXXX {$2500.00} XXXX XXXX cleared XX/XX/XXXX {$2500.00} XXXX cleared XX/XX/XXXX Total of 15 transactions
Company Response:
State: NJ
Zip: 07869
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On or about XX/XX/2023, Chase Bank submitted for payment to my bank, XXXX XXXX, an {$8900.00} check which was clearly altered with respect to the payee and the payment amount. As per XXXX, this check was not presented for payment as a substitute check but instead in paper format. Even though I promptly reported this issue to XXXX and XXXX apparently promptly forwarded my claim onto Chase, Chase has not to date acknowledged that the check was improperly and illegally altered prior to its deposit by its depositor and/or accepted financial responsibility for breaching the appropriate UCC warranties with repect to this check. This is even though they have had more than adequate opportunity to investigate this matter. Chase contacted me by phone on XX/XX/XXXX to confirm that this check was originally written by me payable to the XXXX XXXX XXXX XXXX XXXX in the amount of {$160.00} and that I had not authorized its alteration. I advised Chase that I did not know a XXXX XXXX and that clearly their depositor was a thief. Any rational person looking at the check could easily see that this check was altered, and it should never have been accepted for deposit in the first place. For XXXX to further delay in accepting responsibility for this altered item is unconscionable. Also, it's KYC procedures appear to be inadequate
Company Response:
State: NY
Zip: 11758
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, we made a {$280.00} deposit to a relatively new account at Chase Bank. The deposit was from a long time client of my wife 's, she XXXX a child and family therapist. There as nothing unusual about the check,, it was from a local XXXX XXXX and Bank XXXX XXXX had never had an issue with them. Chase Bank suspected that the check was a forgery, we have no idea why they think this. They have frozen our entire account of {>= $1,000,000} including my paycheck from the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ), a check for {$150.00} for my birthday from my mother and our original {$2000.00} deposit. They won't explain why they froze our funds, they won't say when they will unfreeze them. We have XXXX scores of over XXXX, a flawless XXXX report ( with a high score ) and an impeccable background.
Company Response:
State: WA
Zip: 98028
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Good morning. I got scamed over the phone and they used my XXXX application in chase bank to transfer to their account in XXXX XXXX XXXX using my phone number. They got in to my account and just transferred the money. I gave them code confirmation over the phone due to " block unauthorized '' transactions. Turned out it was some approval code. He manipulate me that someone got in to my account and tried to transfer the money. I file the claim to my chase bank but 3rd day and no results. They not sure if they will get my money back because it was XXXX transfer so its like cash transfer. It happened on XX/XX/XXXX. Once i finish the call with scam, i called my bank to double check if its true and it was not. so i told them its fraud and not authorized transaction. And another issue is that i can not contact XXXX XXXX XXXX over the phone, because im not the customer. And i can not contact them and remove my phone number from someone account.. because now my phone number for XXXX is XXXX to XXXX XXXX XXXXXXXX and i dont know how to remove it.
Company Response:
State: IL
Zip: 60110
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX I drove to the XXXX XXXX, CA parking lot located near XXXX XXXX XXXX XXXX around XXXX. I left my wallet and phone in my vehicle, then locked my car key in a storage box secured to the top of my vehicle. When I returned to my vehicle approximately 2.5-3 hours later, I found my storage box open where the car keys had been secured. I could not access my vehicle which was locked. I borrowed a phone from a stranger ( XXXX XXXX ) and my first call was to Chase Bank to report that I believed my wallet had been stolen. The Chase representative asked me if I had purchased something from XXXX and XXXX XXXX and I immediately told him no, that my wallet had been stolen, I did not authorize those purchases and that all my 3 Chase cards were stolen as well and possibly being used to make fraudulent purchases. I directed him to immediately cancel all my 3 cards, my Sapphire card, XXXX XXXX, and visa/debit card. I soon learned that my cellular phone had also been taken and that 3 of my Chase cards were taken and used in fraudulent purchases. When I was able to get my spare car key, I filed a police report. In the next few I spent several hours on the phone with Chase representatives and explained what had happened and opened claims for the fraud that had occurred on my accounts and I also requested new cards. Immediately all of the charges on my 3 cards were reversed pending the investigation. The two Chase credit card departments found in my favor, however on XX/XX/XXXX Chase reversed the reversals of two charges for my ATM/credit card and denied my claim of fraud ( claim # XXXX ), resulting in two fraudulent charges and they deducted the money straight from my checking account. These two charges were {$4700.00} from XXXX and {$3100.00} from XXXX ( total of {$7900.00} ). What I believe happened based on my subsequent conversations with Chase was that the thieves had stolen my phone and received a call from Chase on XX/XX/XXXX while at XXXX and they pretended to be me and authorized the charge. Chase must not have used any kind of verification to make sure it was me. They never followed up to get security footage which would have showed that it was not me. They did no investigation whatsoever. I have contacted chase several times in subsequent months including in XX/XX/XXXX and they told me to fax them additional information and indicated that they would fix the problem ( attached ), however they have strung me along and done nothing.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My name is XXXX XXXX. A former chase member. In the month of XX/XX/2023. I deposit {$1900.00} ... .chase held the funds for two weeks. It cleared. Unannounced to me chase closed my account for no valid reason, they advised me I'd be receiving my check which I never have. It's been months I would like my funds release and issue in a expedited manner. If possible, Ive been calling almost daily and iam still getting the usual. He said she said run around. I need these funds to pay my rent or else I will be evicted. In about a week... .I am extremely disappointed in the way I've been treated by chase. Especially over an {$1900.00} check/ money order this is ridiculous and I can't understand why it's so difficult to get what is rightfully mine people work hard for their money and not being able to access it is definitely an inconvenience. Also called chase they lied and said the money orders they can't confirmed like what how does that make sense. I called XXXX XXXX they said the money orders are valid and has been cashed I told them chase won't release my funds they said if I don't have nothing in writing from chase saying the money orders are not valid is nothing they can do And they lie just too get you off the phone Everytime I call chase I get a new excuse or answer why I can't get my funds. Chase bank think iam stupid or something I know my funds are held in an account where they gain interest or trading using my money idc the amount I know they've probably made a nice chunk of money off me. I'll be surprised if chase bank doesn't get bailed out by the feds AGAIN because they are greedy, sneaky, and conniving I've verified my identity over 100 times, the branch manager even called them to confirm that I was in branch to verify my identity. They're saying they can't send my check because my address changed in the beginning. Mind you chase sent my new debit card and account closure check to my address on file nothing has changed. The chase reps do not care some out sourced XXXX customer service reps are very rude and blatantly nasty they don't care to help steadily repeating the same thing over and over again like a robot with no real solution. At this point I will no be calling chase anymore. I've emailed the CEO of chase as well ( XXXX ). iam not playing with my funds idc how much it is. The bank will send you in overdraft fees for their money. I think I deserve overdraft fees from them for almost 5 month inconvenience. At this point If I don't receive my funds I will be suing chase believe that! I've called chase over 100 times and still no one has rectified the situation. Even the chase branch manager call in to fix the problem still nothing no check was ever sent to me. If you can assist me in this manner I'd greatly and appreciate it. Thankyou for your time and help. Card number : XXXX XXXX XXXX XXXX ( closed )
Company Response:
State: NC
Zip: 27405
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
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: On XX/XX/XXXXXXXX XXXX I sent over funds to " XXXX XXXX '' in the amount of XXXX dollars on my Chase Freedom card for the acquisition of a rental property in XXXX, XXXX for subletting on XXXX. The rental property was never secured with a signed lease from either myself or the landlord violating the " General Service Agreement '' I signed electronically on XX/XX/XXXX. Additionally, services that were promised to be rendered in regards to management of the rental property were also violated several times. I was coordinating correspondence with XXXX XXXX almost solely through a client manager named XXXX XXXX, who quit working with XXXX XXXX on XX/XX/XXXX due to unethical and unprofessional business practices. I " lost '' the property I never actually had, without a signed lease agreement, on XX/XX/XXXX XXXX XXXXXXXX was in contact with the other investors who also conveniently lost their properties after a short acquisition period or never had a property to begin with and also experienced similar management issues. I was able to speak with the other investors and came to the conclusion we had all fallen for the same scam. We all now want to pursue legal action against XXXX XXXX. On XX/XX/XXXX I filed a dispute with Chase Bank for services not provided, because there was no lease agreement in place, thereby rendering the whole transaction as faulty. XXXX XXXX responded with documentation of the " General Service Agreement '' I did sign electronically and another document I never signed titled " Delivery and Completion of Services '' with the same electronic signature as the one on the " General Service Agreement '' and a " Lease Agreement '' with the same, but visibly blurred and darkened electronic signature as on the " General Service Agreement ''. XXXX XXXX was only able to provide one Certificate of Completion from Docusign for the " General Service Agreement '', because I never signed the other two documents. Chase denied my dispute because of the falsified documentation submitted by XXXX XXXX on XX/XX/XXXX XXXX with the statement that services had been provided. I therefore, reopened the dispute under the premise that services were not as promised and submitted my own documentation with multiple forms of correspondence stating I'd never signed a lease and documentation of the other investors ' experience 's mirroring my own. I was again denied under the pretense of needing to file within 90 days of the original charge, which I previously had adhered to. The forgery committed by XXXX XXXX on a significantly legal document interfered with normal legal proceedings and investigations conducted by the Chase Bank Dispute Department, originally filed on XXXX XXXXXXXX This week, I noticed the specific forgery mishap XXXX XXXX created when he copied my electronic signature. Each electronic signature should have a unique number and certificate of completion, but the " Lease Agreement '' and the " Delivery and Completion of Services '' forms did not have unique numbers or Certificates of Completion. Furthermore, the Certificate of Completion, lists how many pages are contained in the document. " The General Service Agreement '' was comprised of six pages as shown on the Certificate of Completion and therefore couldn't have the " Lease Agreement '' or the " Delivery of Completion of Services '' contained within the same document. The " Lease Agreement '' was composed of six pages and the " Delivery of Completion of Services '' was comprised of one page, respectively. With this concrete evidence in hand, I have submitted a police report on XX/XX/XXXX XXXX against XXXX XXXX for criminal charges of forgery on a legally significant and potentially binding document interfering with a credit card dispute with case number XXXX.
Company Response:
State: UT
Zip: 84405
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a checking and savings acccount with Chase after I received an offer for {$600.00} when I ( 1 ) fund the savings account with XXXX Dollars and keep it there for 90 days ; ( 2 ) Make direct deposit from employer within 90 days and. I made the savings deposit and I directed my employer to make direct deposit after 40 days ( I only received my checking account number and card after 2 weeks - so there was a natural delay in getting this established ). Given my payment intervals this would mean that the payment would go through 61 days or so after the account was opened. However, Chase closed the checking account after 60 days ( due to XXXX balance ). My direct deposit therefore didn't succeed. This was nowhere mentioned in the rules nor at the branch when I talked to an employee who restated the rules to me. He assured me that if I start the direct deposit then everything is fine. Without the account open I will not qualify for the promotion plus I spent many hours having my employer pay me after the direct deposit went nowhere.
Company Response:
State: MA
Zip: 02138
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A