Date Received: 2023-03-16
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had a Chase/Southwest credit card with a {$0.00} balance balloon to a balance of ( {$320.00} ) without any charge being made. Being paperless statements, I got my first overdraft notice after 4 months. I immediately called Chase Bank Customer Service in XX/XX/2022 and pointed out that I had placed no charges on the card. They agreed then to close the card. In XX/XX/2022, I received another overdraft notice and immediately called Chase Bank Customer Service. They again looked at the record and agreed that I had made no charges on the card and agreed to close the card. In XXXX, I sent 4+ messages to Chase pointing out that I had made no charges on the card and that Customer Service had twice said they would close the card. The card has now been sent to Collections. I feel preyed upon and elder abused in that a card with a {$0.00} balance turns with fees and charges into a stealthy money maker for Chase/Southwest .
Company Response:
State: CA
Zip: 91942
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
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: On XX/XX/XXXX, I purchased a hotel reservation on Chase banks travel website, ( Chase Travel ) for the XXXX hotel in XXXX XXXX for 7 nights. On XX/XX/XXXX, I realized that I did not need 7 nights ( due to the time change when traveling to XXXX ) and contacted Chase to modify the reservation to 6 nights. After 90 minutes on the phone, the representative, contacted the property and assured me that the hotel would refund me upon my arrival. Upon my arrival this past week, the front desk staff at the XXXX seemed perplexed at my request for the difference in cash or back to my card. Today, XX/XX/XXXX, I reached back out to Chase travel. I spoke with XXXX, who claimed she was not required by chase to give an employee number or a city location. XXXX also claimed that Chase policy does not require her to give anymore information then just " XXXX from Chase ''. XXXX informed me that she did show a note on the account regarding the conversation I had with chase on XX/XX/XXXX, and confirmed the information I stated above. XXXX offered no resolution other than " we need to look into it ''. Chase has record of my conversation, record of the promise made by a Chase employee confirming I would receive a credit for the one less night stayed. They have failed to compensate me after spending more than 3 hours on the phone with them.
Company Response:
State: CA
Zip: 94513
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I deposited a check at Chase Bank on XX/XX/2023 from my insurance company XXXX XXXX, in the amount of {$20000.00}. The check was in the name of myself and my lender. The check was returned and a legal copy sent to me. I went into the branch and redeposited the check with the branch manager, the check was placed on hold until XX/XX/XXXX. Once the funds cleared my account was restricted. The bank returned to me {$1400.00} which was the monies I had over and above the deposit of {$20000.00}. I contacted Chase with my lender XXXXXXXX XXXX and XXXX asked Chase to send another legal copy of the check to endorse-yet Chase refused and then closed the account. As of now the monies to repair my home are just sitting with Chase bank in a suspense account-and my home needs to be repaired. Would be grateful for your help.
Company Response:
State: CA
Zip: 90746
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, I deposited a {$3000.00} check to my account. Chase put the account on hold as a result of this deposit, and subsequently Chase closed my account and only returned {$16.00} that was in my account while withholding the entire {$3000.00} check. Chase stated that they will not disburse funds from the {$3000.00} check without verification over the phone from the maker of the check " XXXX ''. I have not been able to get a hold of this company over the phone, and Chase has not been able to get a hold of this company over the phone through their verification system either. The check was deposited via mobile deposit. The check has cleared for over 21 calendar at this point. The merchant that wrote the check has not contacted Chase to request a dishonor or stop payment on the check.
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX shows three hard inquiries that are not mine shown listed below XX/XX/XXXX JPMCB Card Services XX/XX/XXXX JPMCB Card Services XX/XX/XXXX XXXX XXXX XXXX I have contacted all creditors and credit reporting agencies about this matter and have verified that all inquiries are fraudulent but yet the hard inquiries have not been removed from my credit report
Company Response:
State: WV
Zip: 26554
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
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: To Whom it May Concern : Card ending in XXXX Im disputing the charge Chase Travel charge of {$490.00} from a car rental cancellation charge from a XX/XX/XXXX booking. This car rental was CORRECTLY credited on XX/XX/XXXX and then immediately INCORRECTLY recharged on XX/XX/XXXX. I am disputing the XX/XX/XXXX charge to my account. I have called many times and asked for managers to resolve this issue with NO SUCCESS. The charge for {$490.00} on XX/XX/XXXX was for a car rental through Chase XXXX XXXX XXXX XXXX XXXX ) the car was canceled and the credit was just recently processed XX/XX/XXXX and then incorrectly charged again on XX/XX/XXXX. There is a second CHASE TRAVEL charge on my account that I reported as fraud in the amount of {$490.00} this is a different charge and was reported as fraud. I did not approve this charge and was correctly credited from the fraud department. I AM AGAIN DISPUTING THE XX/XX/XXXX CHARGE OF {$490.00} THAT WAS INCORRECTLY CHARGED TO MY ACCOUNT DO NOT KEEP CONFUSING THIS CHARGE FOR THE {$490.00}! On XX/XX/XXXX I spoke to a manager " XXXX '' she said she would give me a {$50.00} credit for my weeks of frustration with the Disputes office and that she would have the back office credit my account in the amount of {$490.00} ( within 15 business days ). The next day I receive a letter from the disputes department saying my dispute is resolved in the amount of {$50.00}. This incorrect and absurd. I have called back to ask for a confirmation of the credit being processed with the back office using the claim # XXXX and each time the reps say its resolved and I have already been credited. They fail to review my account fully and see that I have been charged {$490.00} twice once in XX/XX/XXXX and another charge in XX/XX/XXXX and only credited ONCE. I would like this resolved immediately and I want to submit another complaint regarding the terrible customer service I have received, one representative hung the phone up or never came back to the line when I asked to speak to a manager. There have been weeks of calls and requests for documentation and the issue is still not resolved. XXXX XXXX
Company Response:
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have an account on my credit report that I do not recognize and that does not belong to me, I believe this was the result of identity theft. The account is JPMCB Card opened XX/XX/2016 with a balance of {$510.00}. This account does not belong to me and I would like it completely removed from my credit report.
Company Response:
State: PA
Zip: 19124
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On Sunday, XX/XX/2023, I received a phone call from my authorized user associated with my Chase XXXX XXXX XXXX card. My authorized user asked me if I had made a {$230.00} purachse at a XXXX XXXX store, which I had not. He had called to check the balance of the card and said he was notified of the latest transaction. I checked my statements through the app and discovered a total of 5 unauthorized charges on my card. Neither my authorized user nor I made these purchases. I called Chase to notify them and they gave me credit for the transactions and told me they would investigate. They cancelled my card and mailed me a new one. I disputed the following charges : {$55.00} at XXXX XXXX XXXX, {$37.00} at XXXX XXXX XXXX, {$230.00} at XXXX XXXX XXXX XXXX, an additional {$16.00} at XXXX XXXX XXXX XXXX, and another {$60.00} at XXXX XXXX XXXX. I thought nothing else of it and thought it was settled until they contacted me over a month later on XX/XX/XXXX asking me to verify if my authorized user had their physical credit card to which I told them I believe he did, however, he didn't make the purchases. They asked me to contact him and verify and called me again on Monday, XX/XX/XXXX to ask me the same questions to which I replied the same answers. They told me that the transactions were made " in person '' and therefore were not considered fraud. I told them that someone must have gotten my information somehow and made a card. I don't know what happened, all I know is that these purchases were fraud. They told me the charges would be added back onto my card until it was investigated and that they would send it back to their fraud department to investigate further. No more than 7 hours later, they sent me an email saying there was a letter enclosed in the app. I checked the letter and it claimed that the investigation was complete and that I am responsible for all 5 charges because I " benefited from them ''. They also charged my card again for the {$400.00} amount. I completely disagree with this " finding '' and don't understand how an investigation can be completed in a few hours. I then filed a police report with XXXX PD on Tuesday, XX/XX/XXXX. The officer taking my report told me to just give the report number over to Chase and told me the report wouldn't be ready for about a week. He said I didn't need the report and to just give them the report number. On Wednesday, XX/XX/XXXX, I called the fraud department and was told to email them the report. I told them the officer only gave me the report number and said that was sufficient. Chase told me they prefer the actual report but that I could send over the report number. There is a {$25.00} fee involved with getting a report from what the officer told me. After sending the email, I was contacted again on XX/XX/XXXX ( today ) and told that they can not consider these charges as fraud because it was made in person with my authorized card holder 's card and was paid via tap to pay. At this point, I don't know if for some reason someone else got a hold of his card and used it and returned it, but we know neither of us made the purchases and don't know who did. Chase then told me to send them the report, as a report number would be of no use to them. I asked if they can obtain video footage somehow to prove it wasn't us and they said the cops weren't going to hand that footage over to them and neither was the store and they wanted me to go back to the police station to ask an officer to obtain footage. I feel as if they have a better chance of obtaining it because they are fraud prevention and I feel as if that is their job. They have been wanting me to do all the work and have no proof that these purchases were made by my authorized card user. I have a sick grandma who I'm helping take care of all while working long hour shifts all week and this is an added stress and problem I don't need. I would not be going to this extent if I believed it wasn't fraudulent. Chase just told me that I can get video footage myself and send it over to them to " prove I didn't make these purchases '' even though they should be able to check IP addresses and see that I was nowhere near that location on the day of the transactions and neither was my authorized card user. I told them that I don't know how long stored keep their footage for or if I was able to obtain that a month plus later and asked them what would happen if they don't have the footage anymore. They told me I would be responsible for all of the transactions if I couldn't prove it wasn't me. I don't even know what exactly was purchased or the exact store locations. They expect me to go to the store when the app doesn't even give me a full address and I don't know what I'm looking for. I am stuck in the middle now and don't know what to do. I feel like it is their job to do this investigating and they are stopping at the bare minimum. Everyone I talk to gives me the same response and I don't know where to go from here. There is nothing physucsllly showing I'm at fault, yet they're going based off of a technicality. I'm thinking of completely cancelling the card if this is how they are going to treat their customers. Please help.
Company Response:
State: CA
Zip: 92869
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I attempted to redeem some points with my Chase Sapphire account using the Pay Yourself Back option that should entitle my points to get an additional 25 % redemption value if your purchases were in a qualifying category. During the redemption process, it only listed categories that are eligible for the Pay Yourself back. My redemption was for Grocery Store purchase. The 3 categories at the time of my redemption were Grocery Stores Gas Stations Select Charities. When I completed the transaction, it only gave me a redemption at the regular rate. I followed up with Chase and they incorrectly told me that Select Charities were applicable. I submitted a follow up with a screenshot of the options and have not heard back. Attached please find a screenshot of the categories currently in force until XX/XX/2023 and were also in effect at the time of my redemption.
Company Response:
State: IL
Zip: 60061
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: In general, you must report any taxable amount of a canceled debt as ordinary income from the cancellation of debt on Form 1040, U.S. Individual Income Tax Return, Form 1040-SR, U.S. Tax Return for Seniors or Form 1040-NR, U.S. Nonresident Alien Income Tax Return ( attach Schedule 1 ( Form 1040 ), Additional Income and Adjustments to IncomePDF ) if the debt is a nonbusiness debt, or on an applicable schedule if the debt is a business debt. See Publication 4681, Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ). CHASE did not provide me with a 1099-C therefore making my 2019 Taxes Incomplete and Misrepresented. Information on credit report for JPMCB needs to be DELETED for this inaccuracy. On all Credit Agencies ( XXXX, XXXX, XXXX ) And all secondary Credit agencies.
Company Response:
State: PA
Zip: 18103
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A