Date Received: 2023-07-19
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I am a XXXX XXXX XXXX female and rely heavily on XXXX to stay connected to my family. On XX/XX/2023, I went into my XXXX account and discovered that the account was locked. I thought the right thing to do was to XXXX and ask for assistance on how to fix the problem. An XXXX number appeared and said " Call XXXX to fix problems. I do so. After giving the Technical Support person my XXXX name, he said my account was " hacked '' and that I must " install '' a new security system which will prevent the account from ever being hacked again. However, in order to create a new passcode that I would have to give him access to my Checking account and XXXX XXXX so that he could guarantee the new passcode. By XXXX XXXX, I was so confused and nervous that I gave him my ATM card information. The next day the attached charges were debited to my account, and I call my family members who directed me to contact Chase Fraud and report.the SCAM. On XX/XX/XXXX ( see attached ) I received the attached Update stating that the transactions which added up to {$1300.00} ( see attached ) were not charged to my account. I breathed a sigh of relief. On XX/XX/XXXX ( see attached ) a letter was sent ( which I only received on XX/XX/XXXX stating that Chase was removing the {$1300.00} from my account, because the transaction was authorized by me. Today, they removed this amount. I feel Chase has a legal and ethical responsibility to refund scammed money to their customers. I hope you can help me.
Company Response:
State: FL
Zip: 33434
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have the Chase Sapphire Reserve card with my husband. He is the primary and I am an authorized user. We pay $ XXXX annual fee for the card plus $ XXXX annual fee for me to be an auth user on the card. XXXX of the benefits that I have and pay for this card is to transfer miles from my ultimate rewards account to travel partners. I am not able to transfer points to partners. I submit the request through the website and it doesn't go through. I started calling on XX/XX/XXXXXXXX and a ticket was submitted to get the issue fixed. I was told it would take 7-10 business days. I called back a few times between XXXXXXXX to see if anything was fixed, but every time I was told that no one had opened/looked at the ticket yet. XX/XX/XXXX was the XXXX business day, it is still not fixed. I talked to a supervisor that said he would submit another ticket ( this will be the 3rd ticket ). I asked for a refund of some of the annual fee since I am not getting the benefits I am paying for, but was told that was not possible. That nothing can be done and the ticket will be worked eventually. In the meantime, I have international tickets that I am trying to book with points, that the point amount is increasing as time goes by. It's possible that by the time this issue is fixed ( if it is ), the flights will not be available to book with points, which will cost over {$2000.00} per ticket. I have asked every time I call for this to be escalated. Please help to get this escalated. The reason I am an authorized user is to have this ability, but now I do not have it.
Company Response:
State: PA
Zip: 19382
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hard Inquiries was placed on my credit file by several different companies for credit cards that I did not apply for which makes this fraud. JPMCB CARD SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: PA
Zip: 19119
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: My bank account with Chase was closed over 3 years ago through XXXX by which I did not do. I believe that I am a victim of fraud and have my consumer report that I wanted to show you to overturn the decision to close my bank account.
Company Response:
State: NY
Zip: 11421
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a new checking and savings account with Chase Bank. After opening the accounts I transferred/deposited a total of XXXX to the checking account and deposited two checks, one for {$400.00} and one for {$500.00} into the savings account. The checks are payment for my employment. They ( Chase Bank ) stated that depositing checks into the new checking account was suspicious activity and they proceeded to restrict both the savings and checking account, stating they are unable to identify the legitimacy of the the checks. On a different phone call, I was told that the checks bounced and that was the cause for the suspicious activity but on another phone call later on, I was told that was untrue. I have no idea what is actually true at this point, I have no way to access the money in either accounts and they are now saying that they are going to close my accounts and mail me a check. From what I've seen online, this is a common occurrence and people rarely, if ever, receive the checks after the accounts are closed. The total amount that is currently restricted by Chase Bank is {$5900.00}
Company Response:
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On my XXXX credit report i have 2 hard inquiries on XX/XX/2023 and XX/XX/2023 from XXXX XXXX XXXX I also have 5 soft inquiries from XXXX XXXX for the same days. On XX/XX/2023 i have a hard inquiry from JPMCB Card along with 1 soft inquiry on the same day. I also have 1 hard inquire from XXXX XXXX XXXX and 2 soft inquiries for the same day of XX/XX/2023. All these are duplicates and are not accurate. These companies ran my credit multiple times without my permission resulting in multiple inquiries on my account. These applications were for pre approvals which they assured me would be a soft inquire and not a hard one. However, weeks later, the inquires say they're hard. This is not accurate representation of my account and i want the hard inquiries removed because these were suppose to be soft inquiries, hence why we have so many soft inquiries from the same companies on the same dates. I believe this was a mistake on their part and id appreciate it if they removed the duplicates.
Company Response:
State: TX
Zip: 77006
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: First of All, Im not sure if I have put the correct category. That being said, I wanted to file a complaint against CHASE BANK. They LED me to believe I could buy a car through their network of car dealers and then I would apply for an auto loan and get my APR. I have included many screenshots of what I am about to state... On XXXX I applied online through CHASE BANK for a soft/pre approval XXXX loan. I was pre approved for XXXX. Then today, XXXX, through the CHASE email that stated I was pre approved, I clicked through by clicking on CHASES " shop for your car '' BLUE BUTTON believing that I was using the network of dealers who work hand in hand with CHASE. At that point Im wondering whats the APR? Well, I have to find my car and price online and then CHASE would ask me some financial info like, down payment, terms and of course the cost of this car. So, I then hit the CHASE " shop for your car '' BLUE BUTTON where I proceeded to put in my car choice, XXXX XXXX XXXX. Then up popped a few selections and I found a car I liked at a price ( MSRP {$25000.00} ) I was willing to pay and finance AT CHASE. Everything was good at this point, I just needed to know what the APR was at CHASE. They needed more info from me, so I was great, im ok with a HARD CREDIT PULL, since I like what I saw. I clicked through the CHASE " get prequalified '' BLUE BUTTON and gave them my info. At this point I cant show any more SCREEN SHOTS since that required another HARD CREDIT PULL -- but I did fill out all the info CHASE needed -- like how much was i willing to put as down payment, ( i said {$10000.00} ) and asked for a loan up to {$20000.00} which should be enough to cover the MSRP {$25000.00} + TAX and some XXXX fees and I put my terms as 60 months. Now with this HARD CREDIT CHECK i should get my APR % AND MONTHLY PAYMENT AMOUNT. So I got approved for the {$20000.00} at the terms at 6.64 % on APPLICATION ID XXXX and they state I was to contact their dealer- XXXX XXXX. I did just that right after the I got the email. BUT THEIR was a problem at XXXX XXXX. They state that the price on the internet wasn't {$25000.00} ( see screen shot ), but they have a Market Adjustment Fee of {$2500.00}. that was NEVER MENTIONED anywhere on the internet and had I known this {$2500.00} Market Adjustment Fee was being charged I would have done a HARD CREDIT CHECK with CHASE. So I proceeded to call CHASE on the phone to let them know they led me on with all these links only to be duped, BUT when I asked the auto loan gal to remove the HARD CREDIT CHECK, they said THEY CANT REMOVE IT?? So here I am filing this complaint on CFPB website.
Company Response:
State: NV
Zip: 89044
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: In XXXX I noticed several ATM transactions that were unauthorized from a checking account with chase. The money was taken from my savings account without my permission, even though the XXXX accounts were not connected in any way, to cover the ATM transactions. I filed a claim, but Chase refuses to protect my money and acknowledge their mistake. When I call to speak with the claims department, I am told that because the card with the chip was used with the pin that I must have authorized it they never acknowledge their error in transferring funds from my savings account without ever giving permission to do so in the first place, as well as the transactions, not being authorized transactions. They refuse to look into to it any further and say they apologize but there is nothing they can do and that I am out {$5000.00}. I have tried for XXXX months to reimbursed for their bank error and no one will help. I seems as though my bank has left me vulnerable and is now blaming me for their mistake refusing to replace the money they allowed to be stolen.
Company Response:
State: AZ
Zip: 85053
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I opened an account, XXXX days later, my account was closed for no reason, and I can no longer bank with Chase in the future. I had to force them to give me my funds. I asked several times why the account was closed, no one could tell me anything. I escalated the situation to the XXXX and the Chase executive office assured me they were going to investigate, but the executive office, literally said nothing. A lady by the name of XXXX, in the executive office ( ext XXXX ) told me she would contact me and gather all information from me and investigate. That was only XXXX business days ago ( XX/XX/2023 ), yet she has already responded to my XXXX complaint ( XX/XX/2023 ). Her response to the complaint was the exact same information that had already been told to me XXXX weeks prior. I would like to know what investigation occurred, and what information was gathered in a span of XXXX days. I would also like to know what why my account was closed, even after I was forced to contact you all XXXX times ( I have proof ) between XX/XX/XXXX XX/XX/XXXX, to verify my identity, just to have the account closed XXXX hours later and left me stranded with no funds. I would like for my account to be reopened.
Company Response:
State: TX
Zip: 75204
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: XX/XX/23 Opened mail and discovered I received a XXXX XXXX XXXX from Chase that I never applied for I checked credit report and see I had a JPMCB Card credit check on XX/XX/23 that I never authorized. On XX/XX/23 I immediately contacted Chase who claimed they closed the account.
Company Response:
State: MA
Zip: 02151
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A