Date Received: 2023-03-25
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: XX/XX/XXXX {$120.00} XXXX annual membership fee was paid by Chase visa card ending XXXX. XX/XX/XXXX {$120.00} XXXX annual membership fee was paid again by XXXX XXXX card ending XXXX due to the payment made on XX/XX/XXXX by the card ending XXXX could not be found. XX/XX/XXXX Filed dispute against Chase XXXX ending XXXX for {$120.00} made on XX/XX/XXXX. XX/XX/XXXX Dispute was denied stating that " Our latest review confirms the transaction is valid '' XX/XX/XXXX Visited XXXX Customer Service to get refund at {$120.00} for double payment but the claim was denied due to the transaction made on XX/XX/XXXX has not been posted in their system. XX/XX/XXXX Phoned Chase visa card customer service to appeal the previous decision of dispute but denied due to allowed time frame has been past.
Company Response:
State: IL
Zip: 60008
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Credit monitoring or identity theft protection services
Subissue: Received unwanted marketing or advertising
Consumer Complaint: JPMCB CARD opened a credit account in my name on XXXX XXXX2016 without my consent or authorization!!! I never signed any contract or document authorizing such agreement.The status of such account is charged off and the account number is # XXXX
Company Response:
State: NY
Zip: 11001
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a Chase Merchant Payment Solution Account under invitation from Chase who offered me bonus of " Earn {$1000.00} when signing up for Chase Merchant Services and processing {$2000.00} in payments in at least 5 transactions ''. I opened the account before required deadline and finished processing required transactions into my Chase personal checking account, but I did not receive the bonus. I contacted my account manager but he said I did not qualify because the offer required a Chase Business Checking account, a reason that never showed up in terms and conditions in the offer letter ( attached ). I thought Chase must issue me the bonus since I finished all requirements as per terms & conditions in the offer invitation letter. It should be Chase Bank 's error not listing any other hidden condition in its advertisement to customers.
Company Response:
State: WA
Zip: 98052
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Additionally, CHASE has repeatedly charged my CHASE XXXX XXXX XXXX 's account {$15.00} per month in fees when I have met with a bank manager in XXXX Connecticut repeatedly. I am a private bank customer and no fees are supposed to be charged to my accounts.
Company Response:
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Debt was paid before collection agency purchased the debt from XXXX. Debt is too old to be showing on credit bureaus.
Company Response:
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was a victim of a scam call on XX/XX/2023 from the number ( XXXX ) XXXX at XXXX, then at XXXX by someone named " XXXX XXXX XXXX XXXX who claimed to be an authority from a precinct. He told me that my name and social security number were involved in an identity theft. It was a very elaborate phone call, and I was even told not to disclose any of this information to any family member or close friends, and to stay in an enclosed room while listening to him. I was later instructed to download the XXXX messaging app, so that the " Social Security Office '' from number ( XXXX ) XXXX, can text me information on the wire transfers that I needed to make. The international wire transfer was completed at XXXX on XXXX ( XXXX XXXX XXXX, XXXX, NY XXXX ) in the amount of {$57000.00} + {$50.00} transfer fee. This happened while I was still on call with the scammer, and this amount was sent to the following recipient that I was instructed to send to : Recipient Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Bank Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX Chase wire tracking number : XXXX It was wired from my personal checking account at Chase. I sent a photo of the receipt and the front of my driver license to the " Attorney General Office '' on XXXX, as they instructed me to ( I later deleted the photos for both their end and mine, but this might have been too late already ; they might have already stored that information somewhere ). I realized it was a scam after almost completing a domestic wire transfer at Chase on XXXX XXXX XXXX, XXXX, NY XXXX. XXXX XXXX, the banker there, tried helping me dispute/recall the international transfer. I have already went to the original Chase branch to continue following up on the recall and case # that I was provided with. I have done everything from sending secure messages through my Chase account online to in-person follow-ups to filing a police report at the precinct. However, the back-end Chase representatives were very inadequate at combating this fraud/scam case, and I can't imagine how much worse it is for the more vulnerable and elderly individuals who get their retirement funds/life savings, and funds from the death of loved ones away. I highly hope this complaint will lead to actions that yield actual results. Thank you, XXXX
Company Response:
State: NJ
Zip: 07302
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Hi chase did a fraud of XXXX on my account and they dont want to refund me the XXXX and its already been over 2 months and i really need this money that they stole from me
Company Response:
State: IL
Zip: 60623
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XX/XX/XXXX I paid a merchant {$18000.00} with my credit card, XX/XX/XXXX I sent in a payment to Chase to pay off that charge. I was notified XX/XX/XXXX that the charge on my credit card had been reversed when the vendor 's bank declined to accept my payment leaving me with a credit balance of {$18000.00} on my credit card. I called Chase and requested a refund of that {$18000.00} overpayment. I was told it would be sent in 7-10 days. On XX/XX/XXXX i called them to find out what happened to my refund and after 30 min on hold was reassured that it had not been processed but it would be processed and to wait 7-10 days for my refund. On XX/XX/XXXX i called again to find out why i still did not have my refund and was told I had not responded to some email they were to have sent to me, but admitted it was never sent and so they would now process that refund. It was not sent to me and so I called again and was told by a supervisor that the refund had been 'cancelled at customer 's request '' which was inaccurate - I had asked for an electronic transfer back to my bank, but that was never done and instead it was cancelled. I was then reassured it would be processed and i would receive a refund check mailed to my home in 7-10 days. on XX/XX/XXXX i still had not received my refund and filed a complaint on line with chase rather than calling them again and today - XX/XX/XXXX received my first email from chase saying they would refund my money ( suggesting to me that the 4 prior phone calls did not lead to any resolution or effort on chase 's part to refund my money despite me talking to 'XXXX XXXX the supervisor. I was told by her they could not send me a refund to my bank and that it would have to be a check mailed to my home and it would take 7-10 days. Today the email from chase asked if i wanted it electronically returned to my bank and i set that up with the email portal. It is now XX/XX/XXXX, over a month since asking for my refunded overpayment and I think they have been fraudulently keeping my money without paying me any interest on that money which was mine not theirs. I have asked on 3 occasions for a call from a supervisor to escalate this issue but to date no one has contacted me. They are clearly trying to hold on to all the money they can and delaying refunds allowing them to make money on my money. this must be illegal. Please do something - all documents are in their possession, i have none
Company Response:
State: PA
Zip: 19147
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I just got a letter of cancellation of debt from chase and I never had a chase account and its stating that Im in debt of XXXX. Im confused and I know its fraud
Company Response:
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I had two 0 % APR balance transfers on my chase credit card ending in XXXX. I made a couple of purchases on that card accidentally and setup a chase pay on it. When I set up the chase pay, it gave me the option to select interest saving balance for automatic payment to pay the minimum due + the chase pay due. It was not clear that even 0 % APR balances would be included in that as they would not accrue interest and seemed like would not be included in the interest saving balance. In any case, as soon the automatic payment was sent to my bank on XX/XX/XXXX, I realized the issue and stopped the payment. At that time, I spoke to chase and was told that was the only way to correct the payment and that once the payment was returned I should manually submit another payment. The payment was returned and I assumed that everything was fine and made a manual payment. I was not charged any interest on my XXXX statement and hence assumed everything was resolved. However, on the XXXX statement I noticed I was charged interest and reached out to the customer service and thats when I realized that when the payment returned somehow my balance transfers were made into purchase. I escalated this issue so the balance could be properly bucketed back as balance transfer and not a purchase. I received a letter stating that the balance transfer promotions could bot be restored to my account as too much time has passed since the balance transfer was submitted. I am not sure they understood the issue correctly. The balance transfer were initiated in XX/XX/XXXX and XX/XX/XXXX. But they were incorrectly bucketed as purchase after the payment return in the XX/XX/XXXX statement. I believe that a balance could not be just made as purchase when I did not actually make a purchase. I have following issues 1. I did not make a payment to pay off my balance transfer. It was done by chase auto pay tool which was not clear that it would pay off the entire balance including 0 % balance transfers 2. Then, when the payment was returned it was incorrectly labeled as purchase instead of balance transfer. I would have gladly accepted returned payment fees as that was my mistake, but charging the interest and also ending the balance transfer was not fair. So, I would request you for the following resolution 1. Either bucket the balance into the original balance transfers and refund the interest 2. Or, I can pay off the entire balance, but it is only fair that the interest be refunded and balance transfer fee adjusted for the period left. I appreciate your time in understanding the issue and hope we could reach a fair resolution. Thank you and let me know if you have any questions.
Company Response:
State: CA
Zip: 94587
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A