Date Received: 2023-10-10
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: At the termination of a lease for a XXXX XXXX XXXX, I agreed to purchase the auto from Chase Bank Financial and submitted the quoted price from them ( which included the Ohio Sales tax from my county ( XXXX ). I received a check ( No XXXX ) from Chase for {$1100.00} made payable to XXXX County Clerk of Court, on XX/XX/XXXX XXXX-which was sent by me by Chase. I did submit this to the clerk of courts. Whatever subsequently happened, That office informed me that they had no record of this check and no financial record of having cashed it-which they affirmed in a follow up letter. Consequently, I had to again pay out-of- pocket to receive title to the auto. I have tried contacting Chase Financial customer service, at least four different times, asking them to stop payment on the check, and to reimburse me for that amount, but Have heard nothing.
Company Response:
State: OH
Zip: 44145
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am signed up with my Chase Freedom card for online statements only. I tried to sign in last night and again this morning to check and pay my bill, and they have a message on my account that I need to agree to both their updated Digital Serving Agreement ( this is 127 pages ) as well as their Online Mobile and E-sign Disclosure and Consent Agreement. ( This is another 10 pages ). I can not access my account until I agree to all of this. First off, I do not have time to read through a total of 137 pages of legal jargon, nor should I have to in order to access my account. ( That I legally need to pay, on time and in full or I will incur late fees and interest charges ) Second, I am not a lawyer and have no legal back grounds and I am not certain exactly what some of this legal jargon means. I am not sure how it can even be legal for my credit card company to withhold access to my account and not allow access to pay my bill without reading all of this and then agreeing. This is extremely sketchy and slimy on the part of Chase and should be illegal if it is not already. I would like the government and lawmakers to please look into this practice that Chase is doing, trying to bully people into agreeing to something that most people probably dont have time to read and probably dont completely understand. ( Which seems like this is exactly what Chase is hoping for ) Very dirty on Chases part to try to pull something like this. Worth mentioning is that my charges on this card are normally rather small. Last month, I made a very large charge, the largest charge I have ever made on this card. It is certainly making me wonder if Chase thought I would not be able to pay this large charge off right away, and now would be the perfect time to try to bully me into agree to this. They would be incorrect if this is their thought process. I have the money and am trying to access my account to pay my balance off in full. I need to be able to access my account soon so I can pay my balance before it is late and then they will try to get more money from me for interest and late fees. While I remember this payment is due sometime in the second half of the month, I do not know the exact due date because I cant log into my account to find out. I NEED Chase to let me into my account by the end of this week ( XXXX XX/XX/2023 ) at the latest so I can pay my bill.
Company Response:
State: WI
Zip: 54313
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
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 XX/XX/2023 my email and password was hacked. The thief used this email/password combination to attempt access to all my accounts ( social media, banks, etc ). I was alerted to this due to the multiple two factor authentication texts and emails I received in the morning. The thief was able to access my XXXX account and make purchases on XXXX. I immediately called Chase Bank to report fraud on the credit cards which were stored on my XXXX account and I was issued new cards. One month later, Chase sent me a letter saying I am responsible for these charges because " my email is associated with this XXXX account, thus I am responsible for these charges ''. They also said XXXX deemed it a valid transaction from my account despite me reporting it as fraudulent to Chase Bank immediately after the transaction occurred. I was able to get in touch with XXXX and they agreed to send me an email acknowledging it is an unauthorized transaction so I can dispute it with the bank but are unable to provide a refund because the system will not allow it. The Bank has pushed back and said they are unable to do anything because XXXX said it is " unauthorized '' not " fraud ''. I also provided two factor authentication emails I received from my social media accounts on the same date showing my accounts were hacked.
Company Response:
State: DC
Zip: 20003
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I have had a Chase Freedom credit card for a long time. Chase recently sent emails notifying Freedom cardholders that they would be upgraded automatically to Chase Freedom Unlimited. They proceeded to run a hard credit check for the automatic upgrade, which I believe might be illegal. My credit is frozen, so they sent me a letter through online account that the application was denied. I've spoken with Chase Card Services already. I don't want to lose my current credit card, but I am not willing to have a hard credit pull for this Product Change.
Company Response:
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Chase Freedom Credit Card application fraudulently submitted XX/XX/2023. I called to cancel the application on XX/XX/2023. Another fraudulent application was submitted for a Chase Freedom Credit Card on XX/XX/2023. I called to cancel that application on XX/XX/2023. Another fraudulent application was submitted immediately after I cancelled that one, so I am calling Chase again as soon as I submit this request.
Company Response:
State: OH
Zip: 43204
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX I discovered XXXX of my Chase bank checks, numbers XXXX and XXXX were fraudulently endorsed and cashed through XXXX XXXX XXXX. I filed a complaint with Chase bank. At first I was told the matter would be handled within XXXX days, with Chase re-imbursing. Some weeks later a letter came from Chase bank stating XXXX XXXX XXXX was responsible for re-imbursement and it would be " 90 days or more ''.
Company Response:
State: NY
Zip: 10014
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: AMAZON OFFERS A ( {$150.00} AMAZON GIFT CARD ) TO THOSE WHO APPLY / GET THE AMAZON PRIME CREDIT CARD.. I applied for the Amazon CREDIT CARD, and was approved BUT Amazon did NOT send me the {$150.00} GIFT CARD. I called Chase and Amazon and both told me to talk to the other. Nothing was resolved, I was tricked into applying for a card based on a LIE.
Company Response:
State: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My identity have been compromised and used to open several fraudulent accounts without my knowledge or consent. these accounts have been placed on all three of my credit reports.
Company Response:
State: IL
Zip: 60473
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I have tried for 3 months to cancel my life insurance policy and my company was sold and may be sold again I could not find a phone number for my policy the company that was drafting me and I then called Chase and they gave me the wrong phone number for the insurance company, I then stopped the draft and reversed/disputed the most current payment from the Insurance company and Chase gave me the funds back than a month later took it out of my account again. I called Chase to ask them why and all they said was to bad that is our decision. They would not give me a reason why. I have a right to cancel my policy and I have been trying for months to do that and could not get ahold of anyone and Chase gives me the wrong number and they don't want to help me. XXXX at Chase on XX/XX/23 at XXXX hung up on me and would not help me. Was very rude. I don't understand why am I paying for a policy I didn't want and couldn't get a hold of the company to cancel. I called Chase twice to ask them what to do. It's not fair and not right.
Company Response:
State: AZ
Zip: 85260
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: XX/XX/23 Received a inquiry on my credit report from JPMCB Card services. I did not request or start an application for any line of credit through Chase. I called Chase to speak to a representative to confirm the inquiry and open/pending application that I in fact did not submit. I could not get a live person on the phone as suggested by XXXX. I also have frozen my credit accounts as suggested by XXXX as well. They started a dispute but it's remaining and this is unacceptable. I did not request a credit card with Chase nor start an application with Chase. I have file with XXXX as I seen this is not the first time someone has had very similar situations. I did call Chase to " check the status of a pending application '' which required to enter my SS # and in which I did and it could not find anything. However this is very important and I'm requesting this to be resolved by removing this HARD inquiry on my credit report that was not caused by myself.
Company Response:
State: NC
Zip: 28056
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A