Date Received: 2023-12-13
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: Recently, Chase Bank became the services of my home loan. I live in a flood zone and maintain flood insurance as required. However, a monthly escrow payment is included with my mortgage payment in order to satisfy the contracts and regulations requirements for maintaining current and adequate insurance, this includes flood insurance. Chase failed to pay XXXX {$950.00} upon renewal notice for my flood policy. A notice of force placed insurance was sent to me requesting evidence of adequate insurance. However, this is Chases responsibility. On XX/XX/23 I contacted their customer service and was advised that an overnight check would be sent to XXXX to satisfy the payment and renewal my policy. Regrettably, this only resolves the matter of a lack of payment but does not resolve my genuine concern for the root cause of the issue.
Company Response:
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My credit reports are showing late payments from XX/XX/2022 for my XXXX Account. I have always paid this account on time as agreed, and the late payment is inaccurate/incorrect.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On XXXX XX/XX/2023, there was a new credit card application submitted to Chase with my personal information. I immediately contacted Chase, verified that it was not me, & they closed/cancelled the application.
Company Response:
State: FL
Zip: 33709
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I initiated a domestic wire transfer 2 times this morning. They called me and I provided all the information. I am not happy that they repeatedly block my wire transactions. Next one I initiated, went thru " with a supervisor and then again they rejected the same. Have sent money to this recipient in the past many times. This is not the first time either. This time they locked the account and rejected the wire transfer again. Again I had to call and go thru " detailed verification to restore access to my account. Now, I have to wait for an hour to set up the wire transfer again and go thru " the long security check up again. There is not surety that this will go through. This has happened in the past and I lost an opportunity where I could have made significant gains. They act like we are children that don't know what we are doing. This needs to stop. I am calling an attorney to initiate action against bank to recoup my losses. Bank can not be looking at their profits only, lock up my money, excessive security controls and then act big. When calling them to get the transactions through, they treat us like we are criminals and they have right to treat us any way they wish. This disgusting behavior needs to be stopped. Please note this is a repeated complaint to CFPB about the similar issue in the past.
Company Response:
State: TX
Zip: 78728
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
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: Chase Fax Number : XXXX Reference Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX abruptly went out of business on XX/XX/2023. They filed for XXXX XXXX bankruptcy on XX/XX/2023. Customers received an email informing us that they voluntarily filed for protection under XXXX XXXX of the Bankruptcy code but assured the consumers they intend to continue to operate and serve our customers in the normal course, and are committed to continuing to provide safe, convenient, and effective oral care to our customers. ) Additionally stating, Rest assured, our XXXX XXXX XXXX remains in place. I was under treatment for XXXX treatment via their XXXX services. I was awaiting a shipment from XXXX XXXX XXXX that was shipped back to them on Thursday, XX/XX/2023 due to insufficient address. I called XXXX XXXX XXXX on Friday morning inquiring about the shipment and was informed that they would have to wait for the shipment to be returned to them. On Friday, evening they posted on their website " XXXX treatment is no longer available through the XXXX platform. '' Along with stating, " Please consult your local XXXX with any questions around future XXXX treatment. Additionally stating, All orders that have not yet shipped have been cancelled at this time, and you will not receive your XXXX. I went with XXXX XXXX XXXX for the Lifetime Guarantee and they are no longer offering. I made a deposit with my XXXX XXXX card on XX/XX/2023 upon receiving my images. My XXXX arrived in XXXX and I started my treatment on XX/XX/2023. I paid my treatment in full in XX/XX/2023 to prevent from going on their payment plan. I called Chase on XX/XX/2023 to dispute my charge and was told it was outside of XXXX dates. I informed Chase that I am still under treatment and they are incapable of delivering on their services, which is a breach of contract. You can not even contact customer service. My actual contract is in their app online that I can no longer access. As a consumer, I am requesting my money back giving these circumstance by disputing these charges for services XXXX can no longer provide. I have to complete services with another XXXX that will charge me what I have already paid this company. I believe its unfair for me to bear the financial burden of a service that I can no longer utilize. I have attached the following documents : XXXX XXXX XXXX Receipt with Treatment Information, which did not start until XX/XX/2023 XXXX XXXX Dispute Resolution of My Deposit on XX/XX/2023 Chase Credit Card Statement ( XX/XX/2023 ) XXXX XXXX XXXX XXXX Bankruptcy documents from XX/XX/2023 Email from XXXX XXXX XXXX Announcing Bankruptcy ( XX/XX/2023 ) XXXX XXXX XXXX Statement from Website XX/XX/2023 XXXX XXXX XXXXXXXX article regarding the abrupt shut down XX/XX/2023 XXXX XXXX XXXX Lifetime Guarantee Commitment from their website
Company Response:
State: NJ
Zip: 07112
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
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 or around XXXXXXXX XXXX XXXXXXXX, I filed a dispute for transactions noticed on my Chase Business Ink credit card account. There were a series of transactions made starting in XXXXXXXX XXXX XXXXXXXX through to XXXXXXXX XXXX XXXXXXXX. Totaling around {$18000.00}. Chase responded first by giving and temporary credit. Not soon after did chase retaliate by lowering my credit limit from {$16000.00} to only {$500.00}. Once I called to inquire the reason for the retaliation chase reversed ALL of the charges in dispute. I called and requested and spoke to not one but four different supervisors about these reversed charges. EVERY SINGLE representative I spoke with used a different reason as to why the charges were being reversed. The first representative told me that I made some payments of the card there for I should have reported it sooner, I explained that I have an autopay system set up with my credit union that send out payment automatically, something I usually do for all of my credit cards when I first get them, as I am running a business and have more than one business credit card. The second representative I spoke with in XXXX told me that the charges were related to the type of business that I have. I explained that my business deals primarily in real estate but I recently registered it as a trucking business in XXXX. The charges were made prior to me even registering the business as a trucking company so there is no way those charges are mine. I said in fact I only registered it as a trucking company but it still to this day is not operational as that. I provided the Federally mandated website that lists all trucking companies registered in the United States which shows when companies were registered, if they have insurance, what kind of insurance etc.. Not one representative was willing to sit at their desk ( which they are doing already ) and click on a few pages to see the unbiased information listed on the federal website. Another representative I spoke with told me that some of the charges seemed fishy therefore ALL of the charges in dispute would be reversed. No one is willing to give a straight answer, everyone gave completely different reasons for these transactions being reversed, no one is doing a proper investigation at all.
Company Response:
State: PA
Zip: 19145
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2023 an automatic payment of {$500.00} came out of my Chase account and was applied to a paid off car loan to a XXXX XXXX XXXX. The XXXX issued a refund of the {$500.00} due to the car loan being paid off and the money not being applied to any loan. The XXXX sent the {$500.00} back to my Chase bank debit card on or about XX/XX/2023 through means of Pulse ACH ( documented by means of screenshots from XXXX showing reversal ). Due to not seeing the amount of {$500.00} reflect back into my Chase account, I filed a claim with Chase for the original {$500.00} that came out of my account on XX/XX/2023. Chase issued a " temporary credit '' on my account once the claim was filed. Chase opened and closed my claim once, but their representatives kept requesting I submit necessary documents regarding this dispute, so I did. I provided a personal statement about the original amount coming out not being authorized, several screenshots XXXX being of an email notification of the payment being noted as an " automatic payment '' and coming out of my bank account at XXXX ( showing I was not physically paying the amount at a bank with my card ), the statement from XXXX showing the loan was paid off late XX/XX/2023, a screenshot of XXXX showing the reversal, and a written letter/statement from a supervisor at XXXX stating XXXX money was reversed back to my Chase debit card. Today, XX/XX/2023, I still do not have the {$500.00} back. Instead, I called Chase Claims today and spoke with XXXX at around XXXX EST. He stated due to the claim being past the timeframe of investigation ( 30 days ) it can not be reopened. This is not posted anywhere, only the investigative team is aware there is a XXXX open window for a claim to be investigated. XXXX also denied me a supervisor to speak with and stated " the money was returned to the merchant. '' This is only XXXX of the XXXX conversations I have had with Chase.
Company Response:
State: FL
Zip: 34609
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: There is a security breach/ cyber-attack with Chase Bank and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There was a total of three unauthorized transactions that happened with my account. One was for {$200.00}, the other was {$320.00} and the last was {$500.00}. When I first contacted XXXX about the {$1000.00} missing from my account, they said it was up to Chase Bank because there are the responsible party at fault and they are just a third party company. When I tried to address the issue with Chase, they said it was XXXX 's problem and they would issue a temporary credit pending an investigation. They did credit my account. After a few days, Chase reported that the money stolen from my account was authorized and they debited my account for {$1000.00}. Soon afterwards, I filed a police report and I along with my father XXXX XXXX walked into the Chase branch located XXXX XXXX XXXX XXXX, XXXX, IN XXXX. We spoke to XXXX and showed her the police report, and she called the investigation department for another investigation. To make a long story short, I asked Chase to follow the transactions and to press charges on the people who stole the money from my account. They declined. I asked for proof in writing that an investigation was done. They told me to come back in two weeks and they would mail them to the branch. I came back three weeks later and they said give them two more weeks. Which leads up to today. Chase Bank said they would not provide evidence of any investigation and they wouldn't credit the account. Chase were no help. XXXX was no help and I'm sure they have insurance policies in place for such cyber-attacks.
Company Response:
State: IN
Zip: 46410
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: To whom it may concern : My chase bank account number : XXXX has been closed for no reason and the funds in my account are on hold without any reason. The bank stating that they are doing an investigation without giving any explanation I depend on my funds and they holding them I demand release of my funds immediately first they closed my account telling me they have the right to terminate my account at any time per terms and agreement but they don't have right to hold my funds.
Company Response:
State: CA
Zip: 912XX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There is a credit inquiry that I don't recognize from chase banking
Company Response:
State: CA
Zip: 92882
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A