Date Received: 2024-01-19
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I received via e-mail a pre-approved credit card offer from Chase Bank NA. The offer included 9 different card choises all pre-approved. I called Chase Bank on XX/XX/XXXX to inquire if the pre-approaval process required obtaining a credit report. The supervisor i spoke with said " the offers are NOT pre-approved and would require obtaining a hard pull credit reoprt. I am a retired XXXX XXXXXXXX and well versed in the credit decision making process. A creditor has the right access the credit risk of a consumer before issuing a credit card. In this case however the promotion does not state pre-approval is subject to hard pull credit file which could negatively affect a consumer 's credit score. Therefore the term PRE-APPROVED is misleading and either say offer subject to credit approval or they should use the term PRE-SELECTED which has a different translation. Banks offering credit card promotions such as the offers presented to me incdicate they already use previous history and prior to the offer obtained a soft pull creditl report. The attachments all Pre-Approved. XXXX XXXX XXXX
Company Response:
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hello I deposited my son 's XXXX check into my account at Chase Bank in XXXX and have yet to receive the funds. They first told me that my son needed to come into the branch to verify that he gave me permission to access the funds which we did In XXXX. After we went into the bank we were told that we would receive a Chase cashiers check within XXXX day 's but we did not, They then told us that they needed to do a phone verification with my son But we've tried XXXX different times with multiple different phone numbers and they claim that none of these numbers are coming back registered to him which is not the case. We've asked numerous times for A alternative method and we haven't been given XXXX as of yet.
Company Response:
State: SC
Zip: 29405
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX my mobile phone was stolen and an assailant was able to fraudulently gain access to my JP Morgan digital checking accounts and digital wallet and committed multiple sequences of checking, wire, XXXX XXXX, and merchant fraud via unauthorized over the course of XXXX business days that JP Morgan Chase did not flag as fraud over XXXX below charges totally over XXXX XXXXXXXX from my checking accounts. I reported these charges and file reports that my phone was stolen the next day, and JP Morgan Chase reissued another Debit checking card that was again fraudulently used digitally by an assailant for a full business day without my knowledge because my phone was stolen and did not have access to my account. I have also filled a XXXX XXXX XXXXXXXX Police Report ( Report No. XXXX ) that has been formally submitted to Chase via fax by a Chase member and mailed physically to Chase, but my fraud claim has been denied and will not be receiving a credit back on XXXX XXXXXXXX charges and still waiting to hear a decision on a fraudulent {$20000.00} wire transition. The below are the unauthorized charges that JP Morgan Chase has not credited back and have noted were authorized XX/XX/XXXX - Below unauthorized transitions began XX/XX/XXXX - Unauthorized transitions were reported XX/XX/XXXX - 1 of 4 Chase fraud claims was denied XX/XX/XXXX - 2 of 4 Chase fraud claims was denied {$20000.00} Wire Fraud Claim Still Pending Details Posting Date Description Amount Type Transition Date Transaction Time DEBIT XX/XX/XXXXXXXX XXXX XXXX SENT XXXX XXXX XXXX XX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXXXXXX XXXX XXXX BALANCE XXXX XXXX XXXX XX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXXXXXX XXXX XXXX BALANCE XXXX XXXX XXXX XX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXX XXXX XXXX BALANCE XXXX XXXX XXXX XX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXXXXXX XXXX XXXX BALANCE XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXXXXXX XXXX XXXX BALANCE XXXX XXXX XXXX XX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXXXXXX XXXX XXXX BALANCE XXXX XXXX XXXX XX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXXXXXX XXXX XXXX BALANCE XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXX XXXX XXXX BALANCE XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXXXXXX XXXX XXXX BALANCE XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXXXXXX XXXX XXXX BALANCE XXXX XXXX XXXX XX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXX XXXX XXXX BALANCE XXXX XXXXXXXX XXXX XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXXXXXX XXXX XXXX BALANCE XXXX XXXX XXXX XXXX XXXXXXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXX XXXX XXXX BALANCE XXXX XXXXXXXXXXXX XXXX XXXXXX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXXXXXX XXXX XXXX BALANCXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXXXXXX XXXX XXXX BALANCE XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXXXXXX XXXX XXXX BALANCE XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXX XXXX XXXX BALANCE XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXX XXXX XXXX BALANCE XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXXXXXX XXXX XXXX BALANCE XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXXXXXX XXXX XXXX BALANCE XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXXXXXX XXXX XXXX BALANCE XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX DEBIT_CARD - XXXX DEBIT XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX DEBIT_CARD - XXXX XX/XX/XXXX XXXX PM EST DEBIT XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ID : XXXX XXXXXXXX XXXXDEBIT XX/XX/XXXX XXXX AM EST CREDIT XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX AM EST CREDIT XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX CREDIT - XXXX XX/XX/XXXX XXXX AM EST CREDIT XX/XX/XXXX XXXX XXXX XXXX CREDIT - XXXX XX/XX/XXXX XXXX AM EST DEBIT XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX DEBIT_CARD - XXXX XX/XX/XXXX XXXX AM EST DEBIT XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEBIT_CARD - XXXX XX/XX/XXXX XXXX AM EST DEBIT XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX DEBIT_CARD - XXXX XX/XX/XXXX XXXX AM EST DEBIT XX/XX/XXXX XXXX 'S XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX DEBIT_CARD - XXXX XX/XX/XXXX XXXX AM EST DEBIT XX/XX/XXXX ONLINE DOMESTIC WIRE FEE XXXX FEE_TRANSACTION DEBIT XX/XX/XXXX ONLINE DOMESTIC WIRE TRANSFER VIA : XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX WIRE_OUTGOING XX/XX/XXXX XXXX EST DEBIT XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX DEBIT_CARD - XXXX XX/XX/XXXX XXXX XXXX DEBIT XX/XX/XXXX XXXX payment to XXXX XXXX XXXX XXXXDEBIT XX/XX/XXXX XXXX EST DEBIT XX/XX/XXXX XXXX payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX EST
Company Response:
State: NY
Zip: 10016
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: This is my second complaint to the CFPB on the same issue. I have been trying to close a checking account with Chase and retrieve my money since XX/XX/XXXX. Today is XX/XX/XXXX and I still have not received the check, which is in the amount of nearly {$2000.00}. The location of the money seems to be a mystery, even to Chase. Ive talked to endless customer service reps, visited 3 Chase branches, and even worked with XXXX XXXX XXXX for over XXXX minutes. She could not navigate Chases back office to resolve the issue, nor can I. The bank contends that they sent the money around thanksgiving, but I did not receive it. I dont believe they sent it. Chase required that I find a notary and fax them an administrative form stating that I didnt receive the money, even though they contend that the check was never cashed. That was XXXX weeks ago and I still dont have the money. Can you please help?
Company Response:
State: DC
Zip: 20001
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/year> my debit card was stolen around XXXXXXXX XXXX. in XXXX and a few hours later at around XXXXXXXX XXXX. someone withdrew {$600.00} from my bank account at a Chase ATM located at XXXX XXXX XXXX ( I also bank with Chase ) with 2 separate transactions one for {$500.00} and {$100.00}. I received a text alert immediately asking if these transactions were valid and I immediately declined them, however they were still able to withdraw the funds. I contacted Chase immediately and the opened a case where I submitted my location at the time, and proof that i declined the charges and other support. However they still found me liable for the unauthorized charges. I am unsure how the person ( s ) withdrew funds without by PIN, or how it was stolen from me, but I did not authorize any withdrawals. I asked them to show footage from the ATM to clearly see it was not me, however they declined to do so, even though it was their own companies ATM at a Chase branch with surveillance.
Company Response:
State: IL
Zip: 60625
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against JP Morgan Chase & Co regarding the closure of my checking account, which had a remaining balance of {$4200.00} on XXXXXXXXXXXX XXXX XXXX A letter from Chase dated XXXXXXXX XXXX XXXX that I received a couple of weeks later stated they restricted my account and may close it and that the remaining balance in my checking account would be sent to me by mail. However, despite this assurance, I have not received the remaining balance. Subsequent calls to Chase to inquire about the status of my funds have been met with conflicting information and an overall lack of transparency. Upon contacting Chase multiple times, I was informed that an investigation was underway to determine the whereabouts of my money. However, during a call on XXXXXXXXXXXX XXXX XXXXXXXX two out of three representatives denied the existence of any investigation and falsely claimed that I had withdrawn {$4200.00} on XX/XX/XXXXXXXX XXXX XXXX I was not able to access my online checking account app since XX/XX/XXXXXXXX XXXX Yet, the last statement I received from Chase dated XX/XX/XXXX, showed a withdrawal of my remaining balance {$4200.00}, which could not have been made by me because I already lost access to the account on XX/XX/XXXX. The third person, identified as the manager, asserted that there was indeed an investigation and that Chase decided to return the funds to the XXXX senders. When I requested information about the specific XXXX senders, so I could attempt to recover my money, Chase refused to provide a list and insisted that I involve a lawyer to obtain such details. I find this refusal to share crucial information concerning and believe that I have a right to know the recipients of my funds. I also strongly dispute Chase 's claim that my money was returned to XXXX senders, especially given the number of XXXX transactions involved. And if the money was actually sent back to some XXXX senders, which XXXX sender, and it should show up as a separate transaction for each XXXX sender instead of a one-transaction withdrawal of {$4200.00}. I am seeking the assistance of the Consumer Financial Protection Bureau to investigate this matter and ensure the prompt return of my {$4200.00}. Attached with this complaint are copies of the last statement I received, the letters from Chase, and a detailed record of the phone calls made to Chase and the visits I made to Chase branches to inquire about this since XX/XX/XXXX. I also moved from XXXX XXXX XXXX state during this time and updated my address with Chase to ensure they'd mail the check to the right place. The manager in the last phone call claimed that Chase will not send a check for my remaining balance. I appreciate your attention to this matter and look forward to a swift resolution. Sincerely,
Company Response:
State: WA
Zip: 98074
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
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: Dispute claim # XXXX I made a purchase at XXXX XXXX of {$240.00}. When the purchase arrived, the item did not match the description on the website ( website indicated the shoes to be white, the shoes received were white with grey stripes, there was no mention of white stripes in the description nor were they shown on the image provided in the website ). I contacted Chase and was told to work with the merchant prior to filling a dispute, which I did. After several months of back and forth, the merchant refused to accept a return of the merchandise. They stated they no longer accept returns on XXXX items, even if they send the incorrect item. Because of this, I went forward with filing a dispute with Chase. Between falling ill, being out of state and the holidays, the dispute was not filed until XX/XX/. Chase now states I did not file a dispute in time ( they indicated I would have needed to file 4 days sooner ) for them to be able to recover funds. When i initially called, I was not advised of a timeframe, nor was a timeframe provided at the time the dispute was filed, had I been made aware of this, i would have skipped working with the merchant and filed the dispute right away. In the denial letter I received, it indicated the claim was not approved because I authorized the charge. I acknowledged authorizing the charge at the time of the billing dispute, the reason for the dispute was due to the goods received not matching the goods ordered. I have emails and photos that prove XXXX did not send the correct product, but was not allowed to provide any of this information. I feel this is a deceptive practice that allows the merchant and bank to work together to ensure the customer is unable to receive compensation.
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
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 hope this message finds you well. I am writing to dispute a charge related to XXXX 's XXXX XXXX service. Between XX/XX/XXXX and XXXX : I contacted XXXX customer service through a phone call to clarify the billing cycle for the XXXX XXXX, specifically asking if it starts on the payment date or the date I commence my stay. The XXXX agent assured me that the billing cycle commences on the date I start to stay. Based on this information, I made a reservation on XXXX for a unit starting on XX/XX/XXXX. XXXX : Based on the information above, I made a reservation on XXXX for a unit starting on XX/XX/XXXX. XX/XX/XXXX : During the stay, I received an email indicating that the next billing cycle would be on XXXX. When I requested a change to the upcoming billing date to XX/XX/XXXX, XXXX refused, citing potential complications in their billing process. As a result of this misinformation, I made a reservation for a unit on XXXX, planning to stay from XX/XX/XXXX to XX/XX/XXXX. However, XXXX charged me the second month membership fee ( XXXX ) of {$850.00} instead of covering the stay under the first month membership, as I was initially led to believe. I have attached a screenshot of my conversation with XXXX, outlining the issue. Although I don't possess a recording of the call where the misinformation was provided, I have requested XXXX to review their records. XX/XX/XXXX : Despite XXXX weeks passing, there had been no update on my request to review the call. Given the lack of resolution and the considerable delay, I have disputed these charges through my credit card company. XX/XX/XXXX : I discovered that my account had been XXXX by XXXX in response to my dispute of a charge. Due to the disabling of our account, I have lost the membership benefits we paid for. This action was taken without any prior notice. XXXX : I discovered that my credit card company, Chase, considered the disputed charge valid. Despite explaining the misinformation from XXXX and requesting their records for review, Chase closed the dispute without further investigation. I find this decision unfair and believe it contradicts standard dispute resolution practices.
Company Response:
State: GA
Zip: 30518
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
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 went on a trip to XXXX in XX/XX/XXXX for my honeymoon and after arriving home, I noticed there was a charge for {$570.00} that posted on XX/XX/XXXX labeled XXXX. I never bought anything from this vendor and its a fraudulent transaction. I disputed the transaction with Chase Bank and they removed it from my account. However, on XX/XX/XXXX they rebilled me for this charge yet again claiming that it was a legitimate charge. I called the bank on XX/XX/XXXX and explained this is fraud and they still maintained that I will be charged for it, as it was a charge that occurred physically. This doesn't seem fair. I suspect an employee from a business that I went to took my card and charged it using a hidden card reader while I was transacting in their shop. Please help make this right- this is a HUGE financial burden for me and I didn't authorize this transaction or receive any benefit from it.
Company Response:
State: WA
Zip: 98144
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I opened a checking account at Chase Bank. At that time I was going online to try and get a loan. I received a response from a loan company saying I was approved but I needed to verify my checking account. I was told that in order to do this the company would deposit a certain amount into my account and then I was instructed to withdraw that same amount and send back to them. As this was the first time I have ever tried to apply for any loan online this didn't register to me that it was a scam. Needless to say that fraudulent company ended up depositing 3 checks, which they had forged my name on. I immediately went to my bank and filed a report, closed the account and supplied them with every piece of communication I had with the company. I also filed a report with the FTC, FBI, and the state of California. Yet the bank is still coming after me for those charges. I have talked to numerous people at the bank and was told there was nothing they could do and I was still responsible for that debt, even despite it being fraudulent. I need help please
Company Response:
State: CO
Zip: 805XX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A