Date Received: 2024-01-20
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: My XXXX got a call on XX/XX/XXXX from a lady named XXXX at XXXX XXXX XXXX from XXXX asking for myself to return a call to XXXX at XXXX XXXX XXXX referring to case # XXXX so I did and was told by XXXX, who portrayed himself as a mediator for a debt collector stating the debt was XXXX plus XXXX court cost if I was served papers and he said I would be served that day and they were on the way. He had all my personal information ( full social security number, name and address and old credit card account number ) I was aware that I had that old account many years ago and his scare tactics made me think maybe I did owe something so not wanting to be served I offered an amount of XXXX, was put on a short hold, he returned and said XXXX would resolve it and stop the process server that was supposedly in route, which was not true at all, just a rushed scare tactic to get my attention. Finished call and started researching that old account and realized pretty quick that the old account was actually owned by another debt collector and the amount was only XXXX and the debt was so old and not on my credit report that I didn't know it was even out there anymore. Tried to call XXXX back to cancel payment and never got an answer or return call after leaving messages. Kept researching and found out that XXXX XXXX XXXX did not exist at physical address on the receipt, made a police report, they investigated company and had the same findings, that the company did not exist. Opened dispute with Chase credit card company for the charge on my card that day, never heard back from them about needing more information just said they would investigate, they sent me a letter on XX/XX/XXXX that said they found the charge valid. I called to ask why and sent them proof on the old account that was never paid and police report, reopened dispute and once again I don't believe it was investigated thoroughly. So after numerous calls to Chase explaining the situation many times they sent another letter on XX/XX/XXXX stating the charge was valid. I don't know what to do at this time, I don't want to pay for services not received because the money I paid NEVER went to the old debt, complete fraud and I do not support that, especially after I provided evidence that shows this was fraudulent. Please help protect my consumer rights and contact Chase over this matter as they will not help me.
Company Response:
State: OK
Zip: 740XX
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Other transaction problem
Subissue:
Consumer Complaint: I initiated a XXXX transfer, within the Chase banking app of {$300.00} to XXXX XXXX, at XXXX. XXXX never received this transfer. Claim number of dispute with Chase Bank XXXX Chase Bank has confirmed the token is correct and that the funds were sent. I have spoken to them on at least XXXX occasions and did a XXXX in person dispute along with XXXX XXXX XXXX XXXX brought all of her banking info to prove to Chase that the funds were NOT received. I also spoke on a conference call with her bank ( XXXX XXXX XXXX XXXX ), who confirmed that no funds were received. XXXX is the in-bank app that Chase uses XXXX I spoke with XXXX on several occasions. They CAN NOT open a dispute because I did not use their stand-alone app. If a person uses the in-bank app, through Chase, ONLY Chase Bank can resolve any dispute. ( XXXX XXXX XXXX Chase wont provide any documentation showing that the funds were RECEIVED.only that they sent the funds. Chase Bank hired XXXX to do their money transfers, but wont investigate on my behalf. There is a missing XXXX XXXX that no one seems willing to investigate. Is someone skimming funds between banks? Is there a hiccup in transfers resulting in lost funds? If Chase says the funds were received, let them prove it, because I have proof that they were NOT received. If I am wrong, I would like to learn something from this experience.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I ordered a new debit card because my previous debit card had the sticker coming off making it hard to use in machines. I couldn't add the new debit card to my XXXX XXXX wallet and I called my bank. They gave me the run around then later my debit card was shut off and I had to call and find out why. No one could give me a reason and I later learned that Chase closed my account and would not give me a reason why. I did not send any new checks or made any changes to my account. I only asked for a new debit card because the sticker had been damaged. I was disappointed that they could not give me a reason why it was closed or a solution to fix this issue. No representatives were helpful.
Company Response:
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I XXXX XXXX am I writing in regards to inquiries on my report that I did not authorize.
Company Response:
State: ND
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX, at XXXX XXXX, I received a call from someone claiming to be from Chase bank. They explained that a wire transfer was pending and wanted to know if I had authorized this transfer. I immediately hung up and called my bank, Chase. They said there were no pending transfers. They asked if I had the number that had contacted me, and I told them yes and provided the number. The representative told me that this is in fact their fraud department number. I told them I was not authorizing any transfers from my account. They stated they saw no pending transaction. I disconnected with them and about XXXX minutes later the number called me back. At this time, I believed it was truly Chase bank calling be back because the customer service representative from Chase said it was their fraud department, and I took the call. However, this was not Chase Bank calling, as I would find out later. The person on the other line explained that he was from Chase, and he needed me to access my mobile bank app and give him the last two transaction on my account. I did and when I did this, he was somehow able to link into my account through my mobile app. He transferred all my money from 2 accounts into my checking account assuring me this was needed to protect my money, then he put me on hold and never came back to the line. Within a few minutes all of my money was wire transferred out of my account. As soon as I realized all my money had been transferred and was gone, I called Chase they tried to stop the transfer, but they said it was too late. I was in shock and could not believe this had happened. This was my whole life 's savings and every dollar I had. They asked me if I wanted to submit a claim and I said yes. The first question they asked was did I authorize the transfer and I stated I thought the caller was from Chase and was only transferring my money into one account, but I did not authorize a wire transfer. They asked if I had given my password or account information out to anyone, I stated no. He told me my claim was denied. I hung up and went to the bank. The bank teller helped me to change my account numbers. She also spoke to someone from Chase on the phone about this and explained that I did not authorize this transaction. She said they were looking into it and would get back to me. I received notice on XX/XX/XXXX, that my claim was denied because the bank determined I authorized and or benefited from the transaction. They have audio recording of me calling each time asking about the transaction, stating I am not authorizing a transfer, and the representative confirming this was Chase 's fraud department number.
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: The scammer posted a listing on XXXX advertising an apartment for sublease for 6 months for the address XXXX XXXX XXXX XXXX, XXXX XXXX, CA. I replied to the ad of the " person '' subleasing and she ( who goes by the name of " XXXX XXXX '' ) told me to apply directly with the management company at the website : XXXX. Both the initial XXXX ad and the website contain pictures of the property totally stolen from another property nearby. I went on the website and I applied and was approved for the sublease and I signed an " Sublease Agreement ''. I was told by the fake management company to XXXX pay " XXXX XXXX XXXX '' ( the fake owner ) using his/her number XXXX a total of XXXX which I sent in three installments to reserve the apartment for the 6 months. It turned out the pictures that were used on the XXXX ad ( no longer exists ) and the website XXXX were pictures stolen from a different apartment complex down the street located at XXXX XXXX XXXX that is managed by XXXX XXXX. Unforutnately, I was scammed into sending the three payments ( XXXX each ) via Chase XXXX to find out a few days later that the the imposter/scammer stole the pictures from a different apartment, created a fake management company, and scammed a total of XXXX from me via XXXX. Currently, the scam site XXXX is still an active website and perhaps others are also told to go to this site to " apply '' for an apartment as part of the scam. There is an ad that came out a few days ago warning people that the XXXX ad is a scam. I have email conversations, screenshots, payment details, etc. if needed for additional evidence. I filed the complaint with both XXXX and my financial institution Chase Bank and both said that there is nothing they can do about the three transactions already made and authorized by me. I authorized the transactions since I was given false information about the apartment and I was dealing with a scammer so the authorization is not based on truthful information. I want a charge back under Regulation E, but Chase Bank 's answer was that they have no right to recover the funds for me.
Company Response:
State: OH
Zip: 45241
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I, consumer, XXXX XXXX, agent on behalf of the principal, XXXX XXXX is here to claim all rights titles interest and equity owed to the principal. I have received letter that is stressing me out and causing me and my family harm as I am being threatened that I will not have access to my own security account that I am the owner of and this is discrimination and CHASE and CHASE CREDIT CARD SERVICES is in violation of the ECOA and CCPA and are breaking the law as they are trying to collect a debt and this account is already paid and I am to Indorse the Bill, not pay the bill. I have already been attempting to set off the account as I am the one whom is to benefit as I am the payee, the bearer, and the holder in due course. I am demanding that the CHASE CREDIT CARD COMPANY do as I say as I have claimed the bill and I have already sent off the security and instructions to apply and transfer the positive balance to the account for set off each and every billing cycle. The banks are the borrowers and I am the one that is to benefit. They are the account managers and I am the account owner. I received XX/XX/XXXX and chase is saying that the account is past due meaning there is a late payment nd NO CREDITOR IS TO TREAT A PAYMENT AS LATE FOR ANY PURPOSE : 15 USC 1666b. So, I demand that Chase send me all the Statements for all my accounts from the date I executed the application ( promissory Note ) in good faith. I have interest and equity inside this account that has my name and I am to receive all the benefits and I need CHASE Credit Card Services to abide by the law and what congress says and NO WHERE does the law say that I need to PAY A BILL. I am to accept and return and perform the bill. Bill of Exchange act and Federal Reserve Act. Section 16 part one and two. I demand that they read it and connect with the CFO as he or she knows the law and if they do not comply and do as I say, they are committing securities fraud and I will be notifying the IRS. I also instruct that they send me all the proof that I have given the right and permission to report and furnish any of my private and personal information to any XXXX XXXX. I NEVER consented to this action and they are doing fraudulent business and I am being damaged and harmed. This is not okay. I was never late and this account is insured so I must receive all the benefits due to me. I can not be declined, I can not be denied access to my own right to credit. This has NOTHING to do with a Credit Score. I have been paying double payments for decades and I demand that the master account for the Principal be accessed and I need all the positive balances that is sitting inside the vault, which is waiting for the owner, me, to claim. CFPB, demand that Chase credit cards services refund me all the balances in excess of XXXX. They owe me XXXX XXXX XXXX and they are to refund my unearned interest within XXXX days of receiving this notice. send refund check to XXXX XXXX XXXX XXXX XXXX XXXX ca [ XXXX ] there's many accounts over the decades attached to my Estate. I am claiming it ALL.
Company Response:
State: CA
Zip: 91765
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Other transaction problem
Subissue:
Consumer Complaint: I had a customer who made two payments through my chase banking app WePay and both were made using the same card for the exact same amount. One on the XXXX of XXXX and the other on the XXXX. The first transaction on the XXXX was processed and available the following day. The second transaction on the XXXX was processed and chase received their fees out of the completed transaction but the payout to my business checking account was flagged and my account was deactivated. The funds are being held by chase for 120 days. I've contacted every department that would listen as has the customer and neither of us can seem to recover the customers money and now this failed transaction has cost me way more than just this one job it's been several missed days of work and several days of dealing with them to no avail. I also lost several clients and potentially hundreds of thousands in work. They couldn't give me a reason this even occurred and even if they did an exact identical transaction occurred on the XXXX without a hitch. Even if they believe there was reason to flag this transaction why wouldn't they return the funds to the purchaser whom the money belonged. This can't be legal and definitely not ethical. It seems to be a case of a large financial institution bullying the smaller businesses and wrongfully holding money for their benefit because nothing explains their procedures of holding funds from both parties. Who are these procedures in place for when both parties are penalized for no apparent reason meanwhile Chase bank holds the customers money against their will and makes you jump through so many hoops that by the time they do release the money it already served it's purpose and they get rich while bullying small business into closures and nobody thinks they can do anything to stop them. I researched the matter and there's thousands of small businesses that Chase bank has done this exact unethical treatment to and illegally hold funds for 120 days without giving any details as to why. It appears this is common practice at this establishment and is avery disturbing to the people who even hear that this is being done
Company Response:
State: FL
Zip: 32570
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have made 2 purchased using my chase freedom unlimited card ( XXXX {$540.00} on XX/XX/year>, XXXX {$370.00} on XX/XX/year> ) through 'Shop through Chase ' Portal. Based on Chase 's online information, I was supposed to receive about XXXX points/dollar bonus points from these purchases, however, I've never received them. I called chase 's customer services for several times : 1, 1st time I called, they said they saw it went through and I just needed to wait. 2, 2nd time I called them ( still didnt get the bonus point after 1 month ). They said there was no bonus points unless purchase for travel and they kept asking me to read the agreement again. 3, 3rd time I called they said they would take a look. 4, 4th time I called they said they would take a look. 5, 5th time I called they said they want to contact supervisor but the call ended and please wait for next for next available customer services forever. Ive used purchase through chase for many years, and I dont need to re-read the agreement to confirm it. I also have browser record to show that I visited XXXX and XXXX from Chase portal.
Company Response:
State: CA
Zip: 94116
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: Since 2017 my id and social security card were stolen and multiple banks and credit cards opened and checks were cashed under my name that was not me. Now I am in XXXX XXXX and cant open a bank account or credit card.
Company Response:
State: CA
Zip: 92021
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A