Date Received: 2023-03-27
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023 received a letter dated XX/XX/2023 from Chase Bank with the following : We have decided to close your accounts. I have called Chase three separate times at the following number XXXX and spoke with Chase representatives about the letter seeking an explanation. None was given. The first call 's representative referred me to language in the agreement when opening the accounts which states that Chase reserves the right to close accounts without reason. I believe this is discriminatory actions based on race, religion and/or political views. My wife is the primary owner of the accounts being closed and she hasn't received a notification of the closures.
Company Response:
State: AZ
Zip: 863XX
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
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 noticed a fraudulent charge for {$2000.00} at a caterer ( XXXX XXXX XXXX XXXX XXXX ) on my Chase Sapphire Reserve card while traveling in XXXX and immediately notified the Chase fraud department . The fraudulent charge occurred on XX/XX/XXXX The charge was removed and the chase fraud investigation team followed up with me in XXXX asking for my day timeline, and reassured me that the charge would likely be found fraudulent. Months later while looking through past bills, my wife noticed the charge had been reinstated on my account without any additional contact from Chase. I have followed up multiple times with the Chase fraud investigation team without success. The investigation team can not give the contact information for the alleged vendor ( some representatives have searched XXXX and suggested a vendor, which is not located near where I was on the day in question -- can confirm detailed day location with other charges and work badge history ). The fraud department has said to consider the charge fraudulent, requires me to contact the vendor, however they can not provide contact information. After multiple interactions with the fraud department. I attempted to contact the Chase executive office on XX/XX/XXXX by fax and via traditional mail ( they do not allow e-mail or phone contact ). I have not heard back. I have included a copy of the letter I sent the executive office, which contains detailed schedule for the day and additional context. Thank you!
Company Response:
State: CA
Zip: 94110
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I did a balance transfer on 2 of my credit cards via Chase Bank which would allow 0 % interest for 1 year. Turns out they have been charging me interest every month on my balance transfer and any new purchases. Interest should have been charged on new purchases only.
Company Response:
State: CA
Zip: 91350
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I deposit my paycheck on XXXX XX/XX/2023 to my Chase account, mobile banking showed it would be on hold until XXXX XXXX 2023. On XXXX XXXX 2023 I checked my mobile banking again it shows the fund became available. On XXXX XXXX 2023 I found my account was closed by Chase without any notice. I visited their branch in XXXX XXXX, CA XXXX and also called their service hotline, they just keep telling me the bank closed my account because the check issuer bank ( XXXXXXXX XXXX ) needed to verify the check I deposited on XXXX XXXX, so that Chase will need to close my account as some sort of procedure. And all my deposit in that account ( around USD {$12000.00} ) was being cut into checks and sent to me via mail, which I should receive them in XXXX week of XXXX. I can not understand the rationale of my account being closed due to a need of verication on a single check. If the check needs to veried or there is any problem with it then just reject the check deposit. Now all the fund in my account became unavailable for at least 2 weeks. What if I needed that money during this period? This is totally unacceptable.
Company Response:
State: CA
Zip: 91780
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I'm writing to explain a situation in which I believe the bank that handles my mortgage misled me regarding credit reporting. I have had a long history of paying my mortgage via automated payments. I was late for a payment in which I realized that my automated payment had ended by error. I called Chase to figure out where the problem was, and in hindsight we realized together, over an extended phone call, that my automated payments were, in fact, coming in late when I thought they were getting there early. Due to the autopay being shut off I made a manual payment on their website to get the account current. The payment was sent back to my bank twice, I don't know why as I had the money in my bank account. Chase never contacted me regarding this issue, but once I realized there was a problem with their manual payment system I checked my accounts daily to make sure that the mortgage was being paid, as I was concerned about this affecting my credit. Another thing to note is that when my autopay scheduling was off Chase never contacted me to let me know there was a consistent problem occurring. This resulted in Chase charging me about {$650.00} in late fees that they never communicated. During my phone call with Chase I let them know that I was very concerned that this would affect my credit, at which time they assured me it would not. I was very disappointed and upset to then see a mark on my report that I had a late payment recorded for my mortgage. I believe that Chase did not do their due diligence to contact me regarding late or missed payments, and that they reported a late payment on my credit when they specifically told me that I would be safe, and without communicating to issue to me first so that I could have taken steps to mitigate the problem.
Company Response:
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: My family and I were supposed to be on a flight the night of XX/XX/XXXX. The flight was cancelled and the airline moved us to a different flight, leaving the morning after, so my family and I stayed in a hotel near the airport. I have a Chase Sapphire Reserve card for which I pay a hefty fee every year, and the only reason I have it is to be covered during occurrences such as this one while traveling. I submitted all required documentation to get reimbursement for the hotel expenses I incurred because of this trip delay ( for the amount of {$230.00} ), and I was contacted on XX/XX/XXXX by Card Benefits Services ( XXXX ), the service that Chase uses to pay its customers claims, and was asked to provide extra documentation, some of which is usually not required, but I went ahead and submitted all the requested documents. After that, Card Benefits Services had everything they needed to process the payment, however they emailed me on XX/XX/XXXX and asked me to provide a copy of the updated itinerary, which I had already submitted, so I had to call and spend more time showing them that actually I had already uploaded the document they were asking for. After this, they emailed me again on XX/XX/XXXX, almost a month after the prior call ( they state they get back to their customer within 5 days after documentation is submitted, but in this case its taken them almost 2 months ), stating that the airline carrier statement is incomplete. So, I looked at the Carrier statement I submitted to the XXXX portal on XX/XX/XXXX, and it provides all details Card Benefits Services would need to pay the claim. I contacted Card Benefits Services on the same day, and after almost 50 minutes on hold, I was told that the airline carrier statement is incomplete because it states that the flight was cancelled for technical issues, but does not specify the type of technical issue, and that I would have to get additional details about the type of technical issue from the airline. After I explained to the person on the line that such request is unwarranted, and realized she was not able to assist me further, I asked to speak directly to the claim examiner and I was told that it would not be possible and they would have to call me back. I then asked to speak to a supervisor and I was told that they can not do that, when I asked why they said that they are not allowed to transfer calls to a supervisor. That was the end of the call. Now, in regards to the document in question, I uploaded the statement that the airline emailed me, and that is all I got. I am not sure the airline would be willing to disclose additional details at this regard ( why would the passengers be entitled to know more about the airlines technical issues?? ), but if the Card Benefits Services claim examiners want to waste their time nit-picking and chasing unimportant details from the airline, they are welcome to do so. I, however, absolutely refuse to comply with their absurd and unwarranted requests. Moreover, I submitted the carrier statement on XX/XX/XXXX and only now they are telling me they consider it incomplete?? It sounds to me that they are kicking the can down the road, so that the customer would get tired of dealing with them and throw in the towel. But for me this is now a question of principle, the Chase Sapphire Reserve agreement states that in the event of flight cancellation by the airline, the card holder 's hotel expenses are covered, and, while a carrier statement, which I promptly submitted, is necessary to to verify the reason the flight was delayed, nowhere is it mentioned that such carrier statement would need to specify the type of technical issue experienced by an airline. I even looked at the sample of the common carrier statement provided on the XXXX website, and the contents looks very similar to what I submitted. I provided exactly what is required ( and more! ), and now I expect to be reimbursed. And, taking this long to process a claim for such a small amount and coming back several times asking for documents they already have, and stating they need immediate response, when in reality they already have everything needed to verify the veracity of a claim, is unacceptable, unprofessional and utterly inefficient. I am appalled at the service I am getting as a Chase Sapphire Reserve card-holder, and I am even more appalled at the time Ive had to spend dealing with their inefficient Card Benefits Services for a such small amount of money. After speaking with Card Benefits Services on XX/XX/XXXX, I called Chase customer service directly to get a resolution and to complain about Card Benefits Services ' frustrating response, and spent another 30 minutes on hold before talking to a manager, just to be told that he will submit an internal complaint, which I will never be notified of, but that is the extent of what he can do, as claims are outsourced to Card Benefits Services and Chase does not deal with them. I told Chase that I hold them accountable for this, and that I would submit a complaint, and he said it is my right to do so. It surely seems that Card Benefits Services is playing a game, and Chase is approving of it by doing nothing to rectify the situation. However, I am no longer willing to play their game, hence I am submitting this complaint to CFPB, hoping for a resolution but, more importantly, hoping to bring this matter to Chases upper management attention. They would obtain more respect and retain more customers by contracting out to a different, more efficient and professional company.
Company Response:
State: MD
Zip: 20854
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: I was forced to expend the XXXX dollar credit given by AOL chase card in XXXX because of a US CBP criminal XXXX XXXX harassing me at XXXX XXXX and forcing me to sign I-407. This has happened because of fraudulent sun.com accountants did not want to pay me my capital or retirement or employ me when i complained in XXXX
Company Response:
State: CA
Zip: 940XX
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I called Chase credit card company to let them know to update my account status and take off all late payments because late payments are illegal but they said they can not do that but according to the fair credit reporting act
Company Response:
State: NY
Zip: 10467
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In XX/XX/XXXX, I opened an account with Chase online using my XXXX XXXX account to fund the account with {$25.00}. I made a deposit on XX/XX/XXXX of {$2300.00} at the branch which consisted of 2 checks. One of the checks was my pay check XXXX {$1200.00} and the other check was my mother 's tax refund which she had given to me XXXX {$1100.00}. My mother was with me at the drive up window, provided her ID and we double endorsed the check. Within about a week of that deposit I tried to use my debit card at XXXX and the payment was rejected. When I contacted Chase they told me that my account was restricted because they needed to verify the checks that were deposited. They contacted my mother twice to verify but stated they could not contact my employer to verify because he was not listed in some database. I was told that we needed to go to a branch with his ID. Because he is in TX and I am in FL, he went to his local branch at the same time that I went to one locally. They told him they could not speak to him and he would need to call in and told me to come back another time because they were busy. When we called, the rep again stated that they could not verify him because he was not in the database. The check had already cleared in his account and was showing in my account, except my account was restricted. I was in the hospital for over a week and could not follow up on it. When I got home on XX/XX/XXXX, there was a check in the mail for the balance in my account and the account had been closed. The check did not include the funds used to open the account of {$25.00} ( each for my checking and savings ) nor did it include the funds from my pay check of {$1200.00}. I asked my employer if the funds had been returned to his account and they had not. I went to the branch on XX/XX/XXXX and was told that the money would remain in suspense with Chase and my employer would need to file a claim with XXXX to have his funds returned. When he contacted XXXX, they told him that they had never heard of this happening before and said they don't have a mechanism for getting the money back from Chase. He was told that he needs to fight with Chase. Not only will Chase not release the funds to me, they will not return them to him.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Fraud or scam
Subissue:
Consumer Complaint: I got hired the insurance company ( eventually I found that the job opportunity is not by that company, someone was pretending that the company 's HR ). They gave me the bad paycheck bounced and asked me to make a deposit cash to the vendor 's account for delivering the work equipment to me. They said that is their company policy. On XX/XX/XXXX, after I checked that the paycheck amount is available on my XXXX XXXXXXXX XXXX online page, I withdrew that amount ( {$3300.00} ) and transferred the money to them. But after that I found the paycheck got chargeback and I found it is fraud. Because their bank account is Chase bank, I withdrew that {$3300.00} from my XXXX XXXX XXXXXXXX account and went to Chase bank to make a cash deposit. Chase bank teller told me they can't make a cash deposit directly from me to someone's account, so they did put my money in my Chase bank account first and wire the money to their account. After I know everything. I called to Chase bank and explained what happened, but they told me they can't cancel the transaction because I authorized that transaction. I have the scammer 's chase bank account information.
Company Response:
State: TX
Zip: 75070
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A