Date Received: 2023-03-21
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I have another CFPB complaint that outlines what the main issue is and right now the other issue is Chase bank has not responded to my submission of evidence when they reached out to ask for me for more. I gave them what was required to negate the faulty evidence they were supplied by the seller which is causing me to lose {$6000.00} total due to this. I have reached out in calls and Secure Messages to Chase bank to follow up but have met only unhelpful support tech support calls and I have yet to receive ANY response on my Secure Message which has been going for almost 2 months at this point. I am including the documents showing their request for more evidence which I had submitted and my message I have sent early XXXX that is still without a response.
Company Response:
State: MT
Zip: 59601
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I submitted an online application to Chase ( subsidiary of JP Morgan Chase & Co ) for a Sapphire Preferred Credit Card on XX/XX/2023. I have a security freeze on my XXXX credit report due to identity theft & the discrepancies XXXX has not taken off. I do not wish to lift the security freeze. The Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants exercising their right in good faith under the Consumer Protection Act. I received a letter from Chase XX/XX/2023. I spoke to a Chase Representative on XX/XX/2023 to let them know I would be sending a letter of this similarity so they would not close my application ( or at least extend the time allotted for me to reply via postal mail the same way they replied to my application ) but they did not allot enough time to do so as there letter states I must lift the security freeze within 14 days of their dated letter ( XX/XX/2023 ). It is as if they are trying to coerce me into lifting my freeze or else. Credit means the *RIGHT* granted to an applicant. ( 12 CFR 1002.2 ) I do not wish to be discriminated against due to a credit report that has been compromised.
Company Response:
State: AZ
Zip: 856XX
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023, I sent a {$6500.00} wire to a bank account that I believed to be my landlord 's for rent. We found out on XX/XX/2023 that his email address and bank account were compromised and the wire was sent to a fraudsters account. I bank with JPMorgan Chase and have alerted them of the issue and they have been unwilling to help remedy the situation outside of providing a basic wire recall request. There was a police report filed as well and I am working to receive the funds back.
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On Saturday, XX/XX/XXXX around XXXXXXXX XXXX I received a phone call that came up on my cell phone as " XXXX '' from phone number : XXXX. I answered the call b/c it did not come up as " potential spam. '' I recognized the name of the utility company in XXXX XXXX, where I used to live. I anticipated it was about a bill and that I would be able to tell them, I don't live in XXXX XXXX anymore. As I suspected, it was about a utility bill. The person on the phone told me my electric would be turned off if I didn't make a payment. I told them that I don't live in XXXX XXXX anymore, they told me they owned my current utility company in CA. I was confused but I took it to be true, they said they needed a payment or the electric would be turned off. I told them I would have received notices about this. They said they sent them. I told them I had it on auto pay. They said that the auto pay didn't go through. I recalled my spouse having an issue with auto pay set up so I thought it had something to do with that. I attempted to get my spouse on the phone but was unable to. I was leaving to go on vacation the following day and couldn't have my kids not have power while I was gone. In a fluster, I told the person over the phone that I would pay the money, approx {$210.00}. They took my debit card and then said it didn't go through b/c it's a Saturday and they had a technician in the area disconnecting my power right now, it had to be paid w/ XXXX or XXXX XXXX. They put me on the phone w/ a supervisor named " XXXX XXXX XXXX so called badge number " XXXX ''. He said to type in " XXXX '' code into XXXX, he said it was not a phone number. I told him I didn't think seemed legit. He said he could lose his job if it's not legit, he assured me that was his managers information " XXXX XXXX ''. And in fact when I added the number to XXXX XXXX XXXX the name " XXXX '' came up. Again, very flustered I started to set up a XXXX payment. It went through as " pending '' he said he can not accept a pending payment. While I was doing this, I scrolled through weeks of transactions in my account and saw my electric bill was paid on XXXX! I said this to him, and he apologized saying he made a mistake I never had to pay a bill and he told me to type in " override codes '' into the dollar amount to make the last transaction obsolete. He said to type in " XXXX '' and in to the memo section write " this is not a payment this is an override code ''. I trusted him thinking that if this was a scam of some kind that my bank or anyone could see this was not a payment and not intended as a payment. Of course I saw {$770.00} come out of my account instantly and I flipped out. He hung up on my and I called Chase immediately to complain about this. I was informed by the recovery/ fraud department that there's nothing they can do, that XXXX is for friends and family only, and that b/c it's an instant payment they can not reverse it! I was appalled! They said bc I authorized it, they couldn't do anything. I told them authorization by fraud isn't authorization and especially the second amount of {$770.00} they could see it wasn't intended to be a money transfer. They said they were sorry but can't do anything. Every other product a bank offers has some kind of consumer protection on it, charges could always be disputed, especially if there was fraud. But apparently with XXXX that's not the case, there is no consumer protection that the bank has. I escalated the matter and completed a complaint with Chase that they said would take 10 days to review but not to expect anything b/c they don't cover XXXX problems. I lost {$210.00} plus {$770.00} from my checking account via a scam and Chase won't do anything to help me. I would like Chase to put these funds into my account, especially the {$770.00} because that was an authorized dollar amount by me and they could see that in the memo section. I never thought or intended to send this amount of money to anyone. I spent 4 hours on XX/XX/XXXX talking with Chase about this matter and didn't get any real resolution. I also filed a complaint with the FBI.
Company Response:
State: CA
Zip: 92688
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: On Tuesday, XX/XX/2023, I received an email from XXXX XXXX Transaction Trust Account informing me that my appeal on the previous denial of purchase protection of a lost item, claim # XXXX was denied. The reason they provided was that " facts regarding the exact location of loss at the venue are unknown, '' and don't meet their definition of lost : " Involuntary and accidental parting with property means the unintended separation from an item of personal property in which the item 's location is known but recovery is impractical to complete. '' There reasoning makes no sense as the items location is known, the venue I attended, and recovery is impractical as it required searching through all the venue 's garbage.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I contacted Chase Visa United Explorer credit card customer service on XX/XX/2022 to close my account. I did this ( as confirmed by Chase in the attached letter ), but the request was not processed due to unnamed " technical reasons ''. I accumulated several unauthorized charges because Chase did not close my account as promised. These were mostly subscriptions that I intended to lapse. Chase is responsible for these charges, as even their customer representatives will acknowledge to me. I have spent many hours on multiple occasions trying to resolve this since my initial call, all for a lousy {$220.00}. How many others has this company treated this way? I'm sure they will consider paying up adequate to resolve this. I think their business practices need scrutiny. My time is not cheap either.
Company Response:
State: TN
Zip: 37920
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I made two payments to my chase freedom card, and one payment to my chase business ink card, then a day later chase closed my account. No warning, nothing. I have never missed a payment on either card. I have been a loyal Chase customer for years. I was planning on paying off both cards within the next month. I need my credit cards to be re-opened, as I will not have such high credit utilization on them again.
Company Response:
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: on XX/XX/2023 I booked a flight from XXXX to XXXX ( start date XX/XX/2023 to return date XX/XX/2023 ) using my chase credit card reward points on chase travel web portal. Chase gave me the confirmed ticket and charged me XXXX $ ( including XXXX reward points ). next day I get a call from Chase bank saying that my ticket to XXXX is not confirmed by airline, asked me to call back to Chase travel assistance, I called the Chase travel assistance and they said : chase has not got the confirmation from one of the connected flight from XXXX to XXXX and I have to rebook the ticket by cancelling current ticket. but chase is not responsible to pay any extra cost to rebook the ticket. but the new ticket price has increased now. here chase gave me the confirmation ticket without getting the confirmation from airline, I asked the same to travel assistance, she said she can not help me here. She agreed that its chase 's mistake which provided me confirmed ticket without getting confirmation from airline.
Company Response:
State: WA
Zip: 98109
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/ I found out that my Chase checking bank account has been frozen. I only found that out when I visited their branch in New York. They did not provide any information regarding the freeze and keep saying it is 'under review '. They make me feel like a fool talking to tens of their helpline numbers. They keep saying there is a claim on my account but do not give any information. Even when I visited the branch again, they have no clue why the account is frozen and when the hold will be removed and they keep giving me numbers to call without any resolution. Have not been able to get anything from Chase since past two weeks, they keep adding that 'oh, there is no time frame as to when this might be resolved '. I am completely appalled by this situation, and there seems to be no way out as their team keeps going in circles. I request my funds to be released asap.
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: To whom it may concern, I need your help, as I tried to do this on my own by contacting the companies that have my name and account number, which I have never applied for. I am an identity theft victim and have tried to file an FTC report as well regarding this matter.I even filed a police report. I have no idea whoever applied to any service under my name. I never shared my information with anybody either. Is it possible to grab the contract that they claimed I applied for? Because I never did that. Your help will be highly appreciated. XXXX XXXX
Company Response:
State: LA
Zip: 70461
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A