Date Received: 2023-06-10
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: On XX/XX/2023, the ability to determine what gets paid out of my account was taken away. I called Chase Bank on XX/XX/2023, and told them if there's no money in my account don't pay for the item. I was told that their computer makes that decision. I asked to speak to a supervisor and was put on hold when they returned, I was told that the computer makes that decision and it can't be changed, and nothing could be done about it. At the end of XXXX, my account was {$320.00} overdrawn. At the end of XXXX, XXXX I called again and no matter who I was transferred to I kept getting the same answer, the computer made that decision. At the end of XXXX, the cost was {$610.00} overdrawn, again, I was told that the computer made that decision. I have opened an account at another bank so I could start paying all my bills again. Every month my account was short of money at the start because of overdraft fees. It has cost me accounts ; it has affected my credit rating. It has put me behind on several bill payments, and accounts. I had to close accounts because I couldn't pay them because, at the beginning of the month, a large part of my check went to pay overdraft fees.
Company Response:
State: MI
Zip: 48203
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I sent two transactions of {$400.00} to a vendor on XXXX and did not receive my products. The person I sent the money to blocked me on all communication and took my money with no return of the items being purchased. I would like a refund of the {$800.00} and to be protected by my bank.
Company Response:
State: IL
Zip: 60532
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: RE : XXXX, XXXX XXXX XXXX IN TRUST FOR REGISTEREDHOLDERSOF WAMU ASSET-BACKED CERTIFICATES WAMU SERIES XXXX XXXX, ( Also Known As- JP MORGAN CHASE BANK ) Fact XXXX CHASE BANK ACKNOWLEDGE ASSIGNMENT OF MORTGAGE WAS ADDED IN ERROR. To whom it may concern, On XXXX we called Chase Bank ( Bankruptcy Dept. who handles all Washington Mutual Bank accounts ) XXXX and spoke to Chase Bank Representative XXXX, we asked her how can Chase Bank add an Assignment of Mortgage if Chase was not the Noteholder and we advised her of the copy of the Loan Modification making XXXX our Noteholder and Washington Mutual was Servicer, as of XX/XX/XXXX and that Chase Bank sent this information to us on XX/XX/XXXX, XXXX then verified information and then said Chase made an error, so XXXX then called the Chase Mortgage Dept., where they verified that Chase started collecting as Servicer as of XX/XX/XXXX, while on the phone talking with XXXX a Representative from XXXX XXXX XXXX ( XXXX ) called me so we were able to bridge her in, who basically verified they sent us our Satisfaction letter, so XXXX then called XXXX XXXX XXXX and advised them that Chase Bank made an error, XXXX XXXX XXXX Representative XXXX said basically nothing she can do, to contact the Lawyer XXXX XXXX, we advised her we did, so XXXX then advised us to Fax in the Loan Modification and Title Search, Deed info everything to ( XXXX ) XXXX Chase investigation Dept., we first went to Chase Bank located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XX/XX/XXXX and had the Teller fax over approximately 24 sheets, we waited called Chase they never received the Fax, so we then went to Chase Bank located at XXXX XXXX XXXX XXXX IL XXXX, XX/XX/XXXX, and spoke to XXXX XXXX, ( Telephone Number ( XXXX ) XXXX ) who then faxed all the sheets to ( XXXX ) XXXX. Once the fax was confirmed XXXX called to let us know the Investigation Dept. has received all the sheets. Investigation Dept. created to research claims 1st one was XXXX ( HLEO ) Home Loan Executive office, to see why it Was transferred and the 2nd one was XXXX to Explain Assignment of Mortgage, they officially received XXXX and have a turn around time Of 5 business to research. Spoke to XXXX XXXX who advise us that the research Should be done by XXXX. We received call from XXXX in Escalation Dept, who has been the overseer of this Mess since not sure when, on XXXX, we received another call from XXXX, saying they are looking into what we sent, then on XXXX, XXXX called and said XXXX XXXX. XXXX Chase was Mortgage holder we then explained there is no Mortgage and our Noteholder was XXXX, she refuses to acknowledge Loan Modification dated XXXX, which would then mean Chase Bank has been collecting on a Loan that has been written off since XXXX, but every complaint goes thru XXXX and XXXX denies everything even after we sent the Research Team a Copy of Loan Modification showing XXXX is Noteholder not Chase, XXXX refuses to acknowledge phone call with other dept on recorded line saying it was Chase error and that XXXX called XXXXXXXX XXXX XXXX telling them it was a Chase error. So because XXXX refuses to remove Assignment of Mortgage on our Records of Deeds, leads us to believe she is part of the problem and need to be investigated. Black and White shows XXXX is Noteholder Not ( JPMC ) XXXX XXXX XXXX Trustee for WaMu Asset-Backed Certificates, WAMU XXXX XXXX. and Noteholder XXXX has been saying since XXXX there is no XXXX and they were willing to work with servicer to remove any Liens, sent information to Select Portfolio Servicing- ( Servicing for Investor JPMC ) and to Chase - ( JPMC-servicing for Washington Mutual Bank XXXX XXXX There is No Mortgage, No Assignment of Mortgage, No Lien.
Company Response:
State: IL
Zip: 60621
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
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: Date of Transaction : XX/XX/2023 Total charge : {$280.00} Refund requested : {$280.00} Refund received : {$100.00} credit at XXXX Outstanding refund amount : {$180.00} Hotel that I booked with through XXXX : XXXX XXXX XXXXXXXX XXXX days before my check in, I saw multiple 1 star reviews posted stating that no one was at the check in desk when guests arrived and people waited XXXX min-over an hour for someone to show up and check them in. There were also multiple reviews stating that the family suite ( which I had reserved ) was not two separate bedrooms with a shared bath as advertised, but instead a tiny room with two double beds and bathroom with no door on it. The hotel had no option to send them a message, and only a phone number was provided on my reservation confirmation and booking as the only way to contact them. I called the number repeatedly over XXXX days and when someone finally answered, it was not XXXX XXXX XXXX, and the person said they repeatedly got calls looking for XXXX XXXX XXXX, but the hotel was providing an incorrect number. At that point, I called XXXX and asked them to cancel the reservation and provide a refund- they tried to contact the hotel, and also had the same experience of having the wrong number phone and no way to contact the hotel. The night before I was supposed to check in, this was still not resolved, and did not feel safe taking my family there, so I booked another hotel and stayed there. 2 hours before my original check in time, I finally received communication via email from XXXX XXXX XXXX with a different phone number than had been on all previous communications and on my booking confirmation page. At that point, I was already staying at the other hotel. I have contacted XXXX XXXX times since then, waited on hold/spoken to customer service reps for a total of XXXX hours, and they refuse to refund me the full amount because the hotel wont refund them. They have given me a {$100.00} coupon only at XXXX. This in unacceptable. They need to remove this hotel from their site and refund me the full amount. I then tried to dispute the transaction with my credit card company ( Chase ) and they told me that they were unable to even file a dispute because I didn't try to cancel within the cancellation policy. I wasn't made aware of these issues until a week before my stay ( I didn't try to call the hotel until then ), and the cancellation policy was 30 days in advance, so this should be irrelevant to the dispute. I'm attaching my email confirmation and a print out of my XXXX booking confirmation, both which show the fake phone number they provide.
Company Response:
State: CO
Zip: 803XX
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Hello, I was a victim of a scam on XX/XX/XXXX by a fraudulent contractor company. I sent a deposit of {$240.00} via XXXX and have not received services. I have contacted Chase bank and request that they conduct and investigation and provide a chargeback for this fraud. However, they have refused to do this.
Company Response:
State: TX
Zip: 77019
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: The transactions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX On XX/XX/XXXX, around XXXX I went to a chase bank to deposit my earnings for the day ( I am XXXX XXXX ). For one reason or another I accidentally left my card in the drive through atm. I did not immediately notice, so I preceded to go home and go to bed. The following morning ( XX/XX/2023 ) I received a fraud alert via text. I immediately checked my account and saw that a XXXX XXXX transaction had been reversed and the transactions from above were authorizations. I called the chase fraud department to notify them of my issue. The rep I spoke with was pleasant and assisted me with locking my old card, sending me a new one, and disputing my transactions. I was notified if the transactions in question were to post, I would be refunded temporarily while chase conducts their investigation. On XX/XX/2023, chase claims department came to the conclusion that they would not approve my claim. I called and spoke with a rep the following morning to be notified I was denied because my pin was used on these transactions. I requested a supervisor because I know this was not true. This supervisor notified me that the previous rep was wrong for saying this and he/she would get a coaching on telling consumers the wrong information. This supervisor also appealed my decision for me and I was told it would take 3-5 days for my claim to be opened again or not. On XX/XX/2023 my claim was not opened again. Of course being frustrated I called spoke to a rep and then requested a supervisor. This supervisor was the most helpful, he listed to my issues, he even let my know that the card that was closed was still being used after I closed it, and received a new one. This rep also let me know that my initial claim was set up wrong and the representative stated I still had my original card in my possession. Whatever the reason were for me being denied, he assured me he would open the claim again and there would be no reason I will be denied again. On XX/XX/2023 I received a temporary credit again and was told once again no need to worry you will get your claim approved with the information that was provided. XX/XX/2023, my claim was denied once again. I called again to follow up and see why. The first customer service rep I spoke with, I immediately asked for a supervisor. This supervisor did not care about the two month long battle I had with her company or anything else she told me my pin was used thats why I was denied and talked over me. This of course made me irate and I began to yell. I disconnected the call and called again. Same process, I requested a supervisor the moment I talked to a rep. This supervisor was more patient and understanding. I let her know a brief summary of what I was going through and how the place I lost my card was a Chase bank and I wont understand why no one will look at the ATM cameras. She told me there was nothing more that she could do. On XX/XX/XXXX I went into the Chase bank where my card was stolen and notified them of wanting something to be done. The branch manager explained all they could do is either file a complaint on my behalf, or let me sit with a banker while they talk to a claims rep and try to open my claim for a third time. I was advised a complaint was the best option. It is now XX/XX/XXXX and I spoke with a supervisor with the complaint department for Chase. This individual let me know there was nothing they could do except see if the claim could be opened again or find the exact reasons as to why I was denied. This all has been a nightmare because : 1. My card was stolen from a chase bank drive through ATM with cameras. 2. All transactions that were unauthorized were restaurants, gas, and bars. All of which do not require my pin. 3. I spoke to multiple supervisors that all said there would be no reason why both of my claims would be denied ( and they both were denied ). 4. Once I was denied I was given conflicting information from multiple reps/supervisors. 5. Chase as a company did not do their due diligence on investigating these claims and left it to me the consumer to figure out. Granite this is only XXXX dollars but I work hard for my money and to be told by whoever that I authorized these transactions are wrong. They did not do their job and denied me on no good basis at all. They did not do their job correctly.
Company Response:
State: NV
Zip: 89081
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: We ( XXXX and XXXX XXXX ) went to Chase Bank to open a CD account -- 4 % for 3 months -- on XX/XX/2023. We do not drive. Our daughter drove us. She helps us with our daily tasks and needs. Chase is our bank ; they had a good interest rate ; so we decided to stay with Chase, even though many banks have similar terms. We went to the XXXX XXXX, CA Branch on XXXX and XXXX XXXX to open the new CD. We THOUGHT we opened the account on XX/XX/2023. We were told at that meeting that the branch employee 's printer was not working, so she could not provide us with the paperwork. We did not consider that there was or would be a potential problem with opening the account, so we asked if we would see the account online. The branch employee said yes, so we left without the paperwork confirming the new account. When the CD rolled over -- on XX/XX/2023 -- to a lower interest rate and a 74-day term ( as opposed to 3 months ), we started to investigate. It turns out that -- for a reason unknown to us -- the account wasn't opened until XX/XX/2023, depriving us of significant interest on the cash in the account. It appears that either a mistake or fraud occurred when we thought the account was opened on XX/XX/2023. So we made a new appointment. On XX/XX/2023, we talked to the branch manager and employees to investigate why the account was opened 15 days after our in-person appointment to open the CD. The branch employees claimed it was a mistake and that it would be corrected. On XX/XX/2023, we also talked by phone with the branch manager at another Chase branch in XXXX XXXX XXXX, CA because we no longer trust the employees at the XXXX XXXX XXXX. He investigated and also said it was a mistake by the branch employee. To date, even though both branch managers said the mistake would be corrected, nothing has changed in our account. It has been over two weeks. The interest that should have been added to the account starting with the date that we scheduled an appointment with the bank and opened the account ( XX/XX/2023 ) is not yet in the account, which amounts to approximately {$2000.00}.
Company Response:
State: CA
Zip: 90731
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This information was added to my credit report falsely. I want to have it removed immediately.
Company Response:
State: GA
Zip: 30014
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have not consented this company to access my credit. However, there is an inquiry reporting from them.
Company Response:
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
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: In XXXX, my wife and I booked flights and hotels for a holiday in XXXX XXXX and XXXX XXXX to celebrate our anniversary. I booked everything using my Chase Sapphire Reserve credit card ( ending in XXXX ), and used a combination of Chase Ultimate Rewards points and cash to pay for the reservations. I work for the XXXX XXXX and am hyperaware of visas and other travel restrictions. My wife is a XXXX citizen and a XXXX XXXXXXXX XXXX XXXX who I sponsored to XXXX here on the XXXX XXXX. We have been to ten countries together and like our other trips and anything related to immigration, we thoroughly researched the entry requirements for XXXX XXXX XXXX into XXXX. Not once did it come up that my wife 's XXXX XXXX XXXX, XXXX XXXXXXXX, is not recognized by the XXXX government for entry into the country. We only found out this restriction at the airport, while trying to check her in. She has used this extension to apply for three XXXX visas and to re-enter into the the States four times since she XXXX. For more information about what happened, please refer to this video I made : https : XXXX As soon as we found out my wife would be denied entry into XXXX, we canceled our United XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fortunately, United issued a credit, which was fine for us. I then called Chase Travel to have them assist me in getting refunds for our hotels and a flight within XXXX. Despite Chase purporting to offer broad travel assistance and coverage, they did not secure a single cash refund. They only credited me XXXX Chase points as a " goodwill gesture '' out of the XXXX points I used. Furthermore, Chase Travel customer service agents have been blatantly rude, disrespectful and unhelpful, not only for this trip, but for another trip my wife took to XXXX. Specifically, Chase Travel customer service agents : - rarely return phone calls. I had to follow up six times in three days, only to hear they did not get any refunds. - delay communication with vendors. They seem to use the same contact form and general hotel concierge number to call about reservations. In two cases, this allowed the hotel to delay communication for three days, after which they said it was too late to issue a refund. - do not write anything down. I had to explain what happened on our XXXX trip five times to five agents, which slows down communication and resolutions. - continually and maybe purposely misgender me. I am a XXXX woman with a deep voice married to another XXXX woman. I correct the agents every time they refer to me as " sir, '' but they keep making the same mistake, which creates a stressful situation for me. Calling Chase is the only listed option to resolve travel issues. - use inconsistent verification methods. One benefits agent forced me to say my entire credit card number out loud in the crowded airport instead of allowing me to use another verification method, even though I was transferred to her from another Chase agent. - do not completely follow through. I asked three Chase travel agents to cancel an XXXX flight so I could file an insurance claim. I booked the flight through Chase and could not cancel it on my own. Chase did not cancel the flight and I continued to receive flight notifications. - Inconsistently award points for travel disruptions. I was credited XXXX points on a hotel reservation my wife made in XXXX because the air conditioning didn't work well and Chase did not secure a partial refund. They issued me XXXX points for the many mistakes they made on our XXXX trip and for misgendering me constantly. Additionally, the Chase travel portal is not well maintained, lists prices that are significantly higher than other websites, and often crashes mid-booking. Once I have a resolution to my refund requests, I am closing my Chase Sapphire account that I have had for 15 years and on which I have spent many hundreds of thousands of dollars.
Company Response:
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A