Date Received: 2023-12-19
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: I have a charge on my Chase Visa account from XXXX for services that I did not purchase. I have sent letters and called both companies, and am having absolutely no luck getting this issue resolved. From Chase, I simply want them to change the status of this charge to a dispute status until this issue with XXXX is resolved. I see no reason why I should be charged interest on a purchase that I did not authorize. I have called Chase several times and I have sent a letter to their CEO office in an attempt to get their help. To date, there has been no progress.
Company Response:
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2023, I received a credit card application denial notification from Chase. I contacted Chase to inquire about the attempt, and they informed me that they flagged the attempt for fraud and did not open the account. I requested that Chase assist in reporting the new account inquiry as fraudulent to the credit bureaus. They initially told me they have a process to send letter to each of the bureaus, and issued me a case reference ID of XXXX. I checked my credit bureau reports after the 60 day window they suggested ( XXXX, XXXX and XXXX ) and noticed the hard inquiry was still present at XXXX and XXXX. I don't believe it was removed from XXXX, but rather never reported there. Upon follow-up with Chase, they told me that the previous information was inaccurate and that I would have to follow-up with each of the bureaus. I have been able to file a dispute with XXXX over the phone. XXXX has two processes to file a dispute for a hard inquiry, which I confirmed with them via phone. The first is to have the creditor send them a letter, which Chase has refused to do. For the second, I was directed to FTC.gov. After following the prompts to a credit report dispute, I was redirected to the CFPB and this complaint process.
Company Response:
State: OH
Zip: 43221
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX I was notified by email that my Chase checking account had a XXXX XXXX account linked to my debit card. I dont use XXXX XXXX so I immediately contacted Chase and reported the fraudulent activity. Chase immediately issued a new debit card and started a claim for the charges that were not authorized which totaled approximately {$750.00}. Before I received the physical replacement card, more fraudulent charges were made against my account totaling another approximately {$1500.00}. Chase was notified again of charges and they started more claims. On approximately XX/XX/XXXX, I tried using my new debit card and it was denied. I visited a local branch where we found out that Chase had closed my account with no notice. As of the date of the closure I had over {$26000.00} in the bank account. I asked Chase to keep {$2500.00} in the account and release the remaining funds which are rightfully mine until the claims could be settled. It is now over XXXX weeks later and they have not settled or released any funds to me. A bank should not be allowed to hold funds that are legally and rightfully mine. This is theft by keeping it from me. I need to know next steps to take action against Chase for stealing my money.
Company Response:
State: IN
Zip: 471XX
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
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: I purchased architectural plans through XXXX., using my XXXX and Chase Visa cards. The owner of the site, XXXX XXXX, wrote in an email that the plans for the home would be complete and would provide me with everything necessary to build my home. The first problem is that we purchased what we believed were " architectural plans '', given this website said that they had home plans provided by several " architects ''. When the plans arrived, it showed the name " XXXX XXXX '' on them. We therefore assumed that our plans were what we paid for, which is plans provided by an actual architect, which is someone that is required to be licensed in the field of architectural services. But the owner of the company, XXXX XXXX, turned out to not be licensed at all. XXXX XXXX therefore committed a crime by portraying himself as an XXXX, and his company as an XXXX XXXX, while neither are licensed in the field of architecture. The owner of the website, XXXX XXXX, thereby facilitated that act of a crime by allowing XXXX XXXX to defraud the me by allowing those plans to be sold under the guise of " XXXX '', while XXXX XXXX was not licensed as an XXXX. Additionally, the plans I received which were not provided by a licensed XXXX, also did not provide me with most of what is required to build a house, such as foundation details, footer details, cross sections of the walls, XXXX XXXX ( materials to be used, like XXXX or XXXX 's ), insulation details, and MANY other required details. Basically, what I got from XXXX was nothing more than a XXXX and XXXX floor, floorplan. This is FAR from being detailed enough to build an entire house. I was told by XXXX XXXX I would receive " complete plans with everything necessary to build a house. ". Well, based on talking with my builder, our building supply companies, XXXX XXXX I need our building permit approved by, and other engineers and architects... the plans I got are missing " MOST OF WHAT YOU NEED TO BUILD '' our house! Therefore, not only was I defrauded and had a crime committed against me, I was also lied to and did NOT receive the service I paid for. Lastly, 2 weeks ago a manager from Chase, on a recorded call, told me that they denied my dispute because XXXX weighed in and denied it. I spoke with XXXX on the phone today and they said they never determine dispute outcomes, that it is up to the back ( Chase ).
Company Response:
State: DE
Zip: 19808
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I first noticed charges on my Southwest charge card ending in XXXX while doing my taxes this year. The amounts were small but they hit once or twice a month label XXXX ( XXXX ). I immediately called the company and shared my discovery that was in XX/XX/XXXX, Chase XXXX XXXX. The claim was accepted and to stop future fraud charges the card number was changed to # XXXX. They removed all the charges and sent a new card. Then the next thing they did was deny the claim and place all the charges on a new card with a lower credit limit. When I called, them they could not explain why the charges were reversed and placed against the new card with the lower credit limit. Before this complaint, I was told by the representative that they needed proof of my XXXX log, I sent copies that dated back to XXXX, with an explanation that the only charges that were me were the ones in XX/XX/XXXX, specifically XX/XX/XXXX, XXXX, XXXX. The fraud changes started after my visit to XXXX XXXXXXXX XXXX XXXX XXXX I was told today that I pay the bill regularly, I yes because I do not want this to affect my credit history while they work it out. I spoke with Representative XXXX XXXX acting supervisor ) - no last name. XXXX XXXX XXXX XXXX XXXX number- I was told I can call back to XXXX - XXXXXXXX XXXX XXXX is XXXX no further information was given to me. The employee XXXX told me I was too late by federal law but the website states : With Chase 's Zero Liability Protection, you wont be held responsible for unauthorized charges made with your card or account information.
Company Response:
State: CA
Zip: 94605
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In late XXXX, we reached the limit on our credit card. We made a direct payment from our XXXX XXXX XXXXXXXX account into the Chase credit card account. The debit was reflected on our XXXX XXXX XXXX account. Chase refused to provide us credit for over 8 days and were non-responsive. XXXXubsequently told me that they had the right to hold payment for 5 business days. Would not point me to the provisions of contract that provide that authority. I requested escalation on three occasions and have received no response. I spoke to XXXX on XXXX ; XXXX on XX/XX/XXXX. XXXX a few times after XX/XX/XXXX. She is the one who told me they had the right to hold my money and not credit our account. I requested escalation and have left messages. I have requested documentation and have not received anything in writing.
Company Response:
State: DC
Zip: 20016
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I am a XXXX, XXXX and XXXX XXXX of XXXX XXXX XXXX XXXX. On XX/XX/2023, I opened a business account with Chase Bank at the XXXX branch in XXXX and deposited a check from a business client for approximately {$70000.00}. The check was accepted by Chase. But the following day I received an electronic email from Chase stating my account was restricted due to a check deposit. I immediately went to the bank branch where I opened and saw the branch manager in order to resolve this matter. I was told to provide a phone number for the business that issued the check, which I did but I was told that the number provided could not be verified by Chase in their system. First Chase keeps telling me that they need to verify if the check is valid but they check was paid by the issuing bank and they business that paid me the check has never disputed that the check was fraudulent or filed a claim dispute saying that the check was not valid. And more over the funds where made available but the funds were held. I have been to the branch several times to and provided Chase with what the requested to have my fund released and sent to me. This matter has been going on for over seven months and it's has put my business and income at risk due to Chase putting undue burden on me in order to release my funds. Please I need help in resolving this issue because has been holding my funds hostage.
Company Response:
State: MD
Zip: 20705
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/2023, I received a payment in the amount of {$9900.00} from XXXX, which is a federal agency, for miscellaneous business consulting work. XXXX paid for my services via XXXXWePay with their purchase card. The following day WePay notified me that the payment was flagged for as " high risk '' for chargebacks. I did not understand how my account nor payment was flagged because it was my first deposit/payment. In addition, I have had a personal bank account with Chase for more than 10 years. I subsequently responded to the email and provided the requested information : IRS document with EIN number ; New York State Articles of Organization documents ; invoice to XXXX ; and a link to my personal XXXX page. The latter was denied as a valid form of identity. I communicated to the WePay representative that I recently formed my business and had not taken the time to finalized my business website because I have a full-time job. I did not want to send clients to an incomplete website, thus I provided my personal XXXX website as proof of my identity and experience in the field associated with my XXXX XXXX. Nonetheless, the WePay representative rejected my documentation and deemed my account as high risk. This is EXTREMELY surprising given that my client is a federal agency which I stressed my than once to the WePay representative. As a result of my funds being withheld, I have had to delay my work with XXXX which compromises my ability to secure more work with them. In addition, I have been unable to secure requisite materials to adequately run my business like a post office box or hiring a web designer. In short, I would like my rightful earned money as soon as possible.
Company Response:
State: NY
Zip: 11216
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I found out both my business and personal accounts were closed on or around XX/XX/XXXX. They didnt inform me before and locked my online account, I called them and they said my accounts would be closed. My business account has balance more than {$12000.00}, and added my personal accounts have the moneybalance more than {$8000.00}. I called to chase 2 times a week until so far, they said they were reviewing my funds and their legal team were doing some review. And the rep said there was no time frame for the review, sometimes may take couple weeks or couple months. I didnt receive any letter for closing accounts and they give me no reasons. I have no money to run my business and my life! Could you please help me ask CHASE return my funds back? If you need any cooperation for my case, please let me know. Thank you!
Company Response:
State: NY
Zip: 10314
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check on XX/XX/23 for {$1700.00} into my checking account. It was my last paycheck from the last company XXXX XXXX XXXX XXXX XXXX XXXX that I worked for before leaving. On XX/XX/23, I received a notice that my account has been restricted and the account will close in 10 days. Immediately, at XXXX I called the number given to me ( XXXX ), after being redirected 5 times, and left on the call for one hour, a man named XXXX picked up. After telling him my details, he let me know that the restriction was placed because of the check and they needed to call the number from the company to verify the check. No one picked up and recommended I call again in another hour or so. I called again at XXXX, and a woman named XXXX picked up. I told her the details and she tried calling the number again. And told me that this process of calling the company was the only way they have to verify the check and my account is due to close on XX/XX/23. However, she told me that on XX/XX/23, the hold on the check will be lifted as well as the restriction and that I'll be able to access the funds on that day. On the same day I called Chase fraud department, I emailed my former company 's fiscal department finance person and was able to receive a response that my check was cleared on XX/XX/23. On XX/XX/23, the funds were deposited into my account and the hold was cleared, however, I could not access the funds, use my card, or make payments. I called today, XX/XX/23, to see why I can not use the funds, and a woman picked up and let me know the account is still restricted and the funds were unable to be verified even though the check has been cleared. Ultimately, I was not able to get the check verified and was told there's nothing I can do but wait for my account to close. With my account being restricted, it has caused me financial hardship. I've become unable to pay rent, make payments to credit cards, resulting in maxing out credit cards while waiting for the restriction to be lifted. Via my last contact with the company, because the company is so huge, it can be hard to navigate to the fiscal financial department. I have attached their numbers here for reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please help me resolve this issue.
Company Response:
State: CA
Zip: 92844
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A