Date Received: 2024-01-10
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Trying to get reimbursed for lost payments from a XXXX trip to XXXX that we could not make due to contracting XXXX right before the trip.. we have a Chase saphire card that comes with trip insurance. we submitted a fully documented claim with eclaims online card benefits in XXXX, and have received numerous emails and phone calls requesting the same documents over and over, which we continue to upload to them.. each phone call and email keeps requesting these items. now, after all this time, they say we have't proved XXXX, although we sent a doctors letter and proof of XXXX for XXXX. They are demanding I furnish the actual positive XXXX test. That is impossible because I took home tests that no longer exist. I consulted with the physician and I submitted the physician 's report. This requirement is impossible to comply with and it is not specified in the policy. We are trying to be reimbursed for missed flights, and a hotel deposit that was not refundable.
Company Response:
State: CA
Zip: 950XX
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Repossession
Subissue: Company communicating payment assistance or payment extension options
Consumer Complaint: Subject Chase Bank Right to Cure Letter I recently contacted customer service on XX/XX/XXXX regarding my auto loan account. I was informed that a right-to-cure letter has been sent, indicating a requirement to pay both the XX/XX/XXXX and XXXX XXXX payments, totaling {$1500.00}, by XX/XX/XXXX. As of my call date, XX/XX/XXXX, I was informed that my account was 24 days late. I am seeking clarification on the discrepancy in the time frame provided for payment after the XXXX of XX/XX/XXXX. Why I was given four days to settle the outstanding amount, and I would appreciate more insight into this matter on if this is legal. To provide context, I made a payment of {$710.00} on XXXX and arranged to make the remaining XXXX payment of {$710.00} on XXXX During the conversation, I was also asked about the reasons for the late payments. I openly admitted that we pay late and are aware of the associated higher interest rates. I seek clarification on the calculation of the days past due and an explanation for the seemingly disproportionate impact on my account. Additionally, I am interested in understanding the basis for the right to cure an account 35 days late. I appreciate your prompt attention to this matter and look forward to receiving clarification and resolution regarding my concerns. Thank you for your understanding and cooperation.
Company Response:
State: CO
Zip: 80134
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On XX/XX/XXXX I just wanted to see if I was pre approved for a credit card through my bank chase and without my permission they signed me up for the credit card which I did not approve, I just wanted to see if I qualified not sign up.
Company Response:
State: CA
Zip: 951XX
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have a checking account through JP Morgan Chase that I have had for over 10 years. I had overdraft protection on and am still repeatedly being over drafted and charged very excessive over draft fees. I've complained and asked for this issue to be resolved and the customer service with chase refuses to refund any over draft fees. In a 2 day period I was charged six ( 6 ) separate overdraft fee 's totaling {XXXX}. Three ( 3 ) overdrafts with each being XXXX} was withdrawn from my account on XX/XX/XXXX and than another three ( 3 ) transactions each totaling XXXX each was withdrawn on XX/XX/XXXX. I was also charged on XX/XX/XXXX for 3 separate charges of XXXX} totaling {XXXX}. So in three weeks I've been charged {XXXX. This is extremely ridiculous, I should not be getting charges hundreds of dollars when I had overdraft protection or if I have no money in my account. Why are you taking advantage of your customers. I am sharing this information with all my friends, family, and co-workers and for them to not bank with chase. Excessive overdraft fees, stop taking advantage of people, which is what this institution is doing to people. Will be reposting all of this and want a refund for XXXX} that you are taking from me that I dont even have in my account. Stop already.
Company Response:
State: IL
Zip: 60586
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2023. I went to Chase Bank and deposited XXXX into my business account, of which I used {$5000.00} to pay my bills. On XX/XX/2023. I logged into my online account through my mobile phone to check my balance and it turns out that they made a Domestic Wire Transfer in the name of XXXX XXXX XXXX, who is a person I do not know and did not authorize this transfer. The other XXXX dollars said " Pending '' to be withdrawn as well. But I immediately called Chase Bank to tell me what was happening and why I had not received a notification before authorizing my money and only the XXXX dollars that they said were pending could be canceled because they had not yet left the account but the XXXX dollars had already The transfer had been made without my permission or authorization. Since then I made the complaint but did not receive any response. I kept calling and they told me that the case was closed and that to reopen it I needed evidence and I went to the police and made the report which has been sent three times from the same Chase bank and still they did not give me a positive response. They don't tell me anything, they just say that I authorize that money and that's not the case. In my account I only had two cell phone numbers, mine and my daughter 's, and the person who hacked my account deleted my daughter 's number and put in a strange number that I don't know and from there they did everything until my account was online. It's blocked. I've been trying for months and now it's been a year already to get Chase Bank to respond to me and return my money and nothing. I have called many times and gone to the same branch for help and nothing. The solution I ask for is that the bank take responsibility and please give me my money back because this is not the first time that the bank has taken money from my accounts without my authorization.
Company Response:
State: NY
Zip: 10472
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Every month starting in XXXX I have received a credit card application from Chase JP Morgan I called and said that this was not a correct address it was an old address for me and that I was not applying for credit in their company 's name I then called XXXX and placed a fraud alert on my account I still received a credit card application the next month so then I therefore went and put a credit freeze on all three credit bureaus I received another credit card application and XXXX I called and said that wasn't me again and I've asked them to ask for identification they refuse I keep telling them this is not me I just received another credit card application data XX/XX/XXXX I wish them to stop making credit card applications in my name
Company Response:
State: IL
Zip: 620XX
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
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: I am writing to dispute a charge of {$1900.00}, {$190.00}, and {$170.00} to my credit card account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The charge is in error because the items were defective, and the services did not work correctly. Despite the initial charge being on XX/XX/XXXX, I was still undergoing treatment with XXXX, and I was supposed to receive more aligners to continue the treatment. The aligners to continue the treatment that I initially paid for on XX/XX/XXXXXXXX did not arrive, and I am no longer receiving the services or receiving the items I paid for. I understand that some of the charges are from XXXX, but I was still undergoing the original treatment that I had paid for up until I stopped receiving the items and communication from XXXX. I am requesting that the charges related to the disputed amount be credited to my account. Enclosed are copies of all the communication I have had with the merchant related to my purchases supporting my position. I have also included a press release from the XXXX XXXX XXXX which goes into more detail of XXXX. I have also included a website page from the practice I will be receiving XXXX from, which costs {$3800.00}. Sincerely, XXXX XXXX
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
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: I paid off my Chase XXXX Auto loan on XX/XX/2024 and the payment cleared on XX/XX/2024 per what the bank representatives I have spoken to said. They refuse to provide me with a letter of loan satisfaction/lien release for the paid and closed loan and are refusing to release my title to my vehicle until XX/XX/2024. I need this title to sell the vehicle and Chase Auto is continually refusing to release until XX/XX/2024, 13 days after the payment has already cleared and the loan satisfied and closed.
Company Response:
State: CO
Zip: 80211
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I signed up for their XXXX XXXX XXXX account bonuses and their system only applied a code that pays a bonus for a XXXX account. When I first reached out to them about not receiving the bonus for fulfilling the XXXX account requirements, they stated that the code was only applied to my XXXX account and that it was too late to add the correct code. I replied with screenshots that confirm that Chase 's site said that it was opening a XXXX and XXXX account for me. See image # 1. The promotional code is automatically applied by Chase 's system when the user clicks the link to open the account. You can only click one of three buttons ( checking, savings, or checking and savings ). See image # 0. So, if the screenshot says that it's opening a XXXX XXXX XXXX account and applying the bonus offer, that is the offer that I should have been signed up for. The other screenshot also has a summarization/confirmation of my newly-created account and lists both the checking and savings account offers. See image # 2. I provided these screenshots to Chase and they said that it would take XXXX business days to get a response. I waited. We're now at XXXX business days and they're asking me to wait up to 7 business days because they have a high volume of complaints. Unfortunately, other people have also had this issue. I've been patient enough. The bonus should have been paid 15 days after I met the requirements and I was patient enough to not contact them immediately after I didn't get my bonus. I believe that I've waited long enough and don't like being told to wait XXXX business days, then to wait another XXXX business days.
Company Response:
State: TX
Zip: 76248
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: In late XX/XX/XXXX, I received a letter from JP MORGAN CHASE BANK stating the bank had made a decision to close all of my accounts, except for my XXXX loan account. I went to my local branch, but no one there could ( or would? ) tell me why this decision was made. I had XXXX checking accounts, XXXX credit card account and an XXXX loan account with Chase. Also, many years ago, my XXXX had made me the XXXX on her Chase checking account so I planned to utilize that money for her care, as she started struggling with XXXX. After Chase informed me they were closing my accounts, I then tried to transfer money out of XXXX of my accounts, using the online service, but that was not an option. I tried to go into the branch and get money from either my checking or from my XXXX checking, but was told by the cashier that I could not get cash from either my accounts nor from my XXXX account. This was in mid XXXX. My XXXX is now XXXX XXXX XXXX and she is in a nursing home ) and needs clothing and other items as she lived in Texas until XXXX and needed warmer clothing for XXXX XXXX. Finally, after 3-4 trips to the branch and finding the mobile app was no longer of any use to me, my accounts were actually closed in late XX/XX/XXXX. However, my XXXX account was closed before my accounts were. Her money just disappeared from the mobile website. She had over {$4000.00} in her account. I called the Chase XXXX # again in XX/XX/XXXX and told them I was going to file a complaint with OCC. XXXX days later, in mid XXXX, I received a check for all of the money from XXXX checking account via an Express XXXX delivery to my home.. Today is XX/XX/XXXX and I still need to know what Chase did with my XXXX money and how I can access this money for her care. Also, why wont anyone there tell me why these decisions were made?
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A