Date Received: 2023-12-14
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 applied for an Amazon advertised " Cash Back '' Chase Credit Card with an incentive of a gift {$100.00} dollar Amazon debit card. I put that Chase Credit Card in a wallet and placed it in my bureau. ( I was using my XXXXXXXX XXXX " cash back '' credit card at the time. ) That was back in XXXX, 2023. Today, XX/XX/2023, I opened what turned out to be a Chase Credit Card Statement indicating a balance of {$320.00} for this subject credit card : XXXX XXXX XXXX XXXX ( A credit card I never volitionally used ... Attached below will be the Chase Statements I can upload. ) This credit card is supposedly cancelled. What occurred is that this credit card dropped to my Amazon.com account and was automatically assigned as my " Default Payment ''. My next XXXX sequential Amazon Transactions ( Uploaded Below ) were as follows : XX/XX/XXXX : {$10.00} XX/XX/XXXX : {$9.00} XX/XX/XXXX : {$29.00} and XX/XX/XXXX : {$25.00} ( This item was an Amazon gift card " reload ''. It is not something I would charge to a credit card. ) The aggregate authorized purchases were for {$74.00}, however I never authorized any of those purchases to be applied to the Chase Credit Card. What occurred is that in the " Joint Venture '' between Chase Credit and Amazon ( chase.com/amazon ) is that Amazon modified my Payment Defaults and placed this Chase Card as my Payment Method. ( It is my personal account information with billing and shipping addresses, telephone numbers and payment preferences. Yet Amazon entered my private account and took control of my account payment options without knowledge to me. I had no idea those four minor purchases had gone unpaid and were accruing Penalties and Interest with Chase Credit. ) I called Chase Credit and offered to pay the principal but Chase insisted I play the full amount of penalty charges. I called Amazon asked them to intervene and they told me they were powerless to influence the Credit Card issue with Chase. ( Attached below is Amazon 's email to me. ) It is incredulous that these two entities can form an alliance like this, modify my purchase selections and then purport to be powerless to do anything except collect the Penalties and Interest that I had no knowledge I was incurring. It is fraudulent on both of their parts. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX
Company Response:
State: IL
Zip: 60431
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: In XXXX XXXX, I was under XXXX XXXX by my roommate and I wanted to remove her name from the lease. The leasing office of XXXX XXXX under XXXX XXXX in XXXX, MA, XXXX requested me to resubmit financial proof. The office requested crazy amount of money under my name, and I needed XXXX dollars to meet the requirement. As an international student, wiring money from XXXX would take long and there's a government control that each person can not have more than certain amount of XXXX XXXX transferred into dollars per year. So I have to asked whoever I know that is an American citizen to XXXX me money because that was the fastest way because i was scared of the violence and I was not able to live in my house. During the process of me receiving money, from XXXX, chase closed my account forever. In the beginning of XXXX, It said it would mailed my money using check within 7-10 business day, but I never receive it. I called multiple times and they could not offered me any answer, also they said someone took my money from my account, but that was not me, and Chase thought that was me, because whoever works in Chase customer service did not know my account was closed? Today, XX/XX/XXXX I opened my mailbox again and saw chase think I owe them debt because I have not paid the credit card. I called again and said but my account is closed, and Chase collected all my money. Customer service from chase said the account is not closed? It hurts my credit and I need my money because it's my living expense and it is the worst thing to do with someone who was trying to escape from a violent roommate.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Subject : Urgent Assistance Needed : Unauthorized ACH Transfer Intended for Personal Use Dear Consumer Financial Protection Bureau ( CFPB ), I trust this message finds you well. I am urgently reaching out to request your assistance in addressing a critical matter concerning my business banking account, XXXX XXXX, held with JPMorgan Chase. Account Closure and ACH Transfer Rejection : On XX/XX/XXXX, my business account was officially closed and charged off. Regrettably, on XX/XX/XXXX, an unauthorized ACH transfer was initiated, inadvertently directed to the closed account. Upon discovering this, I promptly visited a local JPMorgan Chase branch on XX/XX/XXXX, where it was confirmed that the ACH transfer had been rejected on XX/XX/XXXX. Unlawful Application of Funds to Business Account : To my dismay, on XX/XX/XXXX, I learned from Supervisor XXXX ( ID number XXXX ) that JPMorgan Chase applied a partial sum of {$5200.00} to the closed account on XX/XX/XXXX. The attached documents dated XX/XX/XXXX highlight my visit to the Chase branch. This raises significant concerns, as the ACH transfer was intended exclusively for personal use and not for business affairs. Contravention of Business Banking Account Agreement : It is crucial to underscore that the application of the ACH transfer to my business account without explicit authorization goes against the terms outlined in our business banking account agreement with JPMorgan Chase. This unauthorized action necessitates immediate attention and corrective measures. Supporting Documentation : Attached are documents providing evidence of the unauthorized ACH transfer and subsequent application to the closed business account. These proofs underscore the urgency and severity of the situation. In light of these circumstances, I earnestly seek your prompt intervention to investigate this matter. Your support in facilitating communication with JPMorgan Chase is crucial to swiftly rectify this unauthorized application of funds and to ensure adherence to the terms stipulated in our business banking account agreement. Thank you for your prompt attention to this matter. I trust that, with your assistance, a swift and fair resolution can be achieved. Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : XXXX Business Name : XXXX XXXX Account Number : XXXX
Company Response:
State: MI
Zip: 48044
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have a CHASE checking account and a CHASE credit card. I was due to receive an annual anniversary points bonus of over XXXX points in XX/XX/2023. I made an enquiry and was told it would take up to 90 days. I waited 90 days and now I am told that my account was not in goodstanding- which it was. CHASE has not offered to send me the anniversary points I earned.
Company Response:
State: CA
Zip: 92127
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: My wife and I have an account with Chase United Explorer. We use this account to buy tickets when traveling on XXXX XXXX. XX/XX/2023 I purchased XXXX fully refundable round trip tickets from XXXX XXXX to go XXXX to XXXX and back for {$1400.00} each. During XXXX, when making arrangements for hotels in XXXX, I made XXXX changes to those tickets on the same credit card. I have a spreadsheet showing the net for all this activity became XXXX fully refundable round trip tickets from XXXX XXXX to go XXXX to XXXX and back for {$1400.00} each. The tickets were for flights outbound XX/XX/XXXX returning XX/XX/XXXX. On XX/XX/XXXX my wife was being treated for a XXXX XXXX and we decided that we had to cancel our trip. I called XXXX XXXX and asked for a refund. They said that my tickets were not both purchased on the same credit card and that they would only refund XXXX ticket. I argued the point. Finally, with not resolution in sight, I put XXXX of the original tickets for {$1400.00} on the Chase credit card into dispute. I considered this a placeholder until XXXX refunded both tickets on my credit card. After some more back and forth with XXXX and faxing them a spreadsheet showing all the credit card transactions and what they added up to, XXXX agreed to credit my XXXX account for the full XXXX ticket amount of {$2800.00}. They did this on or about XX/XX/XXXX. The money showed up as XXXX - {$1400.00} transactions on my credit card a day or XXXX later. I then called Chase Customer Service and asked them to put this money back into the checking account that I use for paying this card. They did this on XX/XX/XXXX. However, for reasons that I can not comprehend, they removed all trace of the XXXX credits from my account. Also, the XXXX Chase statement started showing a - {$1400.00} XX/XX/XXXX XXXX credit that was not carried over in the totals for that bill. In the middle of XXXX Chase Disputes called me and asked if they could remove the suspended payment. I asked them why it wasn't removed when XXXX XXXX and I settled the dispute a month earlier. They had no excuse but said that they would remove the dispute now. A few days layer I saw that the {$1400.00} was now showing as something that I owed Chase Credit Card company. I called Chase Credit Card XXXX and Disputes to get this corrected. Credit Card Services said that they understood but that Disputes had to fix this. Disputed refused to fix it. I could not get both on the same phone call. Finally I faxed and then mailed all this information ( account statements, spreadsheet, cover letter ) to Chase. They responded with a standard letter saying that they could not find any evidence of a billing error and that the charge would remain on my account.
Company Response:
State: NJ
Zip: 08540
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: There were XXXX fraudulent transactions, where someone got a hold of my charity 's routing and account number, and stole {$68000.00} through ACH debits to the checking account. They apparently were routed to XXXX XXXX, but nobody seems to be able to track down where the funds are, and I'm still waiting to be refunded for all of these fraud charges.
Company Response:
State: FL
Zip: 33067
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: this is part XXXX to previous XXXX XXXX fradulant charges. Account was made whole with a positive balance with written notification of desire to have account closed. in internal messages and previous cfpb and ic3 complant. over a month has passed and they are still allowing charges to be made to an account that was positive with no active debt card.
Company Response:
State: MN
Zip: 557XX
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I reserved hotel accommodations from XXXX for XX/XX/2023 through XX/XX/2023. And also purchased insurance to protect my reservation in case I needed to cancel, because my wife was/is currently ill and under physicians care. Once I received confirmation of the reservation I noticed the dates were incorrect and contacted XXXX immediately to correct the dates ; I spoke to several managers, and one manager stated that there should not have been an issue getting it changed or cancelled. We tried to call the property owner to ask them to fix the reservation ; as we could see that there was availability at a lower rate. We were more concerned with the dates than the lower rate. The property owner explained he would change the dates if we paid him {$110.00}. We reached back out to XXXX and they could not understand why, we explained we wanted to cancel the reservation and just stay at another property. After being told that we could without penalty ; then that was an issue. We then went to the bank with all the email transactions and managers names we spoke to and disputed the transaction. We received our funds and went on our trip. Days later chase took the funds back out of my account. I went into the branch to talk to an officer and again show them all the information I had, the officer sent it to someone in their back office and stated that the case would have to be reopened and viewed. I again reiterated that we did not stay at the property; received notification that the funds had been taken back from XXXX and the reservation was going to be canceled. The bank seemed unconcerned and denied my claim again. I paid for a service that I did not receive and the bank refused to look into it and return my funds
Company Response:
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: On XX/XX/2023, I logged into my bank account. I saw Chase had taken {$1300.00} out of my checking account I had not authorized. I called chase and spoke to someone who barely spoke English. I was told Chase could take an extra mortgage payment if they wanted to. I told woman, no I didn't authorize a {$1300.00} mortgage payment. I paid {$1100.00} on XX/XX/XXXX or XX/XX/XXXX. She stated, Yes, I see that. I told her the money needed to be put back in my checking account. She stated it would take 5 days for Chase to decide if they were going to give me my money back. I told her unacceptable and asked if Chase was going to pay all fees I was going to incur? She asked what fees. Told her I have other bills Coming out this month and Chase took my money. I was told I could transfer money to cover bills. It's not Chase 's fault or responsibility if I don't have money in my account. I told woman it is Chase 's fault. I did not authorize any money other than {$1100.00} for Chase to take out of my account. She then told me she'd escalate case and I'd know in 2 days if I was getting money back. Also, woman stated multiple people had called today with the same issue and she believed it was an online payment issue. I did ask for proof I authorized Chase to take {$1300.00} out. Woman refused to answer and told me I'd have to wait for Chase to decide if they were giving me my money back.
Company Response:
State: WA
Zip: 98532
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I received a text message from what I thought was Chase Security asking if I recognized a transaction attempt on my account : respond Yes or No. I replied No and a text message came back, expect a call from Chase Security. I immediately received a call from someone identifying himself as being from Chase Security and asking if I was XXXX XXXX. He then said he would send me a code via text to verify that I was the account holder. I immediately received a text message from Chase with a numeric code which I read to him to identify myself. He did this XXXX times, over a period of XXXX minutes each time saying that he was working on resolving a problem with someone trying to use a new XXXX to access my account and asking me to hold. After a few minutes, I became suspicious and hung up and called the Chase XXXX number to see what was going on, at which time I was told that someone had initiated a wire transfer in the amount of {$11000.00} to a Chase Account in New York. I filed a report within the hour, called the local sheriff and filed a fraud report, then filed a report with the FBI and went to the bank branch the next morning and filed a second report. Each time I talked to Chase Bank, I went through the same process of being sent a security code by text to verify that I was the account holder. I have been told by Chase Bank that they are not responsible for my {$11000.00} lose because I provided the scammer with a security code to transfer funds. But I thought I was providing the code to Chase Security as is their process, not giving a code to have funds transferred. I have had that checking account for 45 years and never had on issue with the bank. I've never wire transferred funds to an unknown individual before and always been in good standing with Chase Bank. I believe that the bank is liable for the loss of my funds under Regulation E of the Unauthorized EFT Law. Regulation E Section 1005.6 ( B ) and EFT.12 CFR 1005.2 ( M ).
Company Response:
State: FL
Zip: 32162
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A