Date Received: 2023-03-13
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: The options did not allow me to properly check off things. Also you sent me an acknowledgement last week but I was not able to verify things. Fortunately, I received a letter from Chase Bank about my original complaint XXXX that was forwarded to Chase. I replied back to them about the falseness of the letter to both me and you, and want you to know about it, being they probably send false statements to others. As you can see in the letter to both of us, highlighted in the forth paragraph is a false statement where they said that only the charge care was closed and then reopened. That is a lie. As I told them, and as the branch manager of the bank knows, that the savings accounts and checking accounts were closed.!!! and that I was told that a check for all the funds were to be mailed out to me with 14 days causing me to go to a different bank and open checking and savings accounts there so to make sure I would be able to receive my direct deposits of XXXX. and XXXX.
Company Response:
State: AZ
Zip: 86409
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: A transaction error occurred on XX/XX/2022 while I was trying to transfer funds from a checking account with Chase bank to a XXXX XXXX checking account using XXXX pay. The transaction was for the amount of {$1000.00} and was sent to an incorrect account due to an error in the phone number. Within 5 minutes of realizing the error, I reached out to the unintended recipient of the funds and reached out to Chase bank to notify them of the error. Chase bank responded that they would reach out to the recipient bank and would open an investigation. Within 3 days, I received an electronic letter notifying me that the dispute was closed and that Chase bank would not be doing a reversal. All attempts to reach out to the recipient failed.
Company Response:
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This is a complaint against Chase Bank for violating my federally protected consumer rights. I contacted the XXXX XXXX XXXX, directly but have not received any response. *NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT* I recently received a copy of my XXXX, XXXX, and XXXX XXXX XXXX. I noticed that it is reporting my experience with CHASE BANK. The line of credit I have with your CHASE BANK. The line of credit I have with CHASE BANK, which is characterized as utilization on my consumer reports, CHASE BANK IS ILLEGALLY REPORTING THIS EXPERIENCE, ( utilizations ) on my consumer reports. Amazon Chase Credit Card Account Number : XXXX XXXX XXXX XXXX CHASE BANK is in clear violation of the law. Pursuant to 15 U.S. Code 1681a2 ( A ) ( i ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer, ( ME ) and the person, ( YOU ) CHASE BANK, Making the report is not included on my Consumer Report! Utilization is an experience with the line of credit that was extended between the consumer, ( ME ) and the person, ( YOU ) CHASE BANK, the person making the report is NOT INCLUDED on my Consumer Report! CONGRESS clearly states that the report of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the Consumer Reports! YOU HAVE VIOLATED THE FCRA 15 U.S. Code 1681a2 ( A ) ( i ), by reporting this transaction, or experience ( Utilization ) on my Consumer Reports, which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. You have 10 calendar days to update my utilization to 5 % or below or delete all utilization from the below account : Amazon Chase Credit Card Account Number : XXXX XXXX XXXX XXXX Failure to respond satisfactorily with deletion of the above utilization will result in legal action being taken against CHASE BANK, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent, Non-Compliance. 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act, 15 USC 1681 for violations under willful and non-compliance. 616. 15 U.S. Code 1681n.
Company Response:
State: CA
Zip: 920XX
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
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 was fraudulently charged {$3700.00} by XXXX XXXX for merchandise, taxes, and a delivery fee with a promise that it would deliver the item ( a turquoise damask rug ) by XXXX XXXX Tuesday, XX/XX/, that it failed to deliver. Since XXXX XXXX refused to provide a specific appointment time for the delivery, I told it that it would need to call me at least 60 to 30 minutes before it wanted to deliver the rug to ensure that I could take delivery when it wanted to bring it ; at no time did I agree to wait for 3 or more hours for a supposed delivery that, in fact, did not occur. On the contrary, I repeatedly told numerous agents for XXXX XXXX that it would need to call at least 60-30 minutes before it wanted to deliver the rug sometime between XXXX XXXX and XXXX XXXX. XXXX XXXX failed to notify me in a reasonable manner, calling 10 minutes before it wanted to bring the rug, then their deliveryman refused to answer calls or texts at the number hed called me on ( XXXX ), while other reps provided false and misleading information, asking me to text its delivery person when I could receive the rug. Yet when I complied with XXXX XXXX request ( made by XXXX XXXX of the XXXX, VA store ), and texted that I could take delivery on the rug, XXXX XXXX responded by saying that it would not deliver the rug, contrary to its prior advertised commitment as part of the sale, despite the fact that I told it that I could not receive the rug after XXXX XXXX, the time it was supposed to deliver it by. Among other things, XXXX XXXX said that the delivery people needed to do their job and asked me to text the deliveryman when I could receive the rug. However, XXXX XXXX deliveryman ignored both telephone calls and texts, displaying and confirming the companys pattern of evasion and one-way communications that are consistent with its intentional, habitual, financial bullying and abuse. There was not even a machine-based answering device or voice mail at the telephone number used by the delivery man ; he just allowed it to ring and ring minutes after hed called me 10 minutes before he wanted to deliver it to announce his demand and intention to do so. Since XX/XX/, XXXX XXXX cajoled, badgered and bullied payment in full for the item, with a delivery fee and taxes added on, over a month before it promised to deliver it. The FTC, the CFPB, state, and other regulators should prevent and effectively sanction the pay-in-full-on-demand-get-later-maybe abuse that is XXXX XXXX modus operandi and commonplace among an increasing number of retailers, an abuse that worsened greatly during the covid pandemic. XXXX XXXX is among the worst offenders of this kind of scam. Chases enabling complicity in these predatory abuses from which it profits and its aggressively defending them for the sake of its tawdry gain, make it jointly responsible for them. When I called my Chase Freedom Unlimited VISA on XXXX XXXX after XXXX XXXX refused to deliver the rug it had promised, to receive full and timely credit for the scam, Chase refused to issue it. It continues, undeterred, its deeply engrained pattern of posting debits in lightning speed on this card, while obstructing, delaying and avoiding issuing credits due in anything comparable to the alacrity with which it gouges its customers with illicit charges. In typical fashion, its representative also lied, asked the same questions over and over again without noting the clear and simple answers repeatedly provided, wasted time ad nauseum, then lied by saying she would transfer me to someone else to whom I would not have to repeat the same information, yet again. When the second person came on the line after the transfer made by the first rep, she said the call came through as though from the outside, that she did not receive any facts or needed information from the previous representative as I was told by the first that she would, and that the second would have to have everything repeated. Then the second person said she could see that a partial credit had been issued by the first representative, but the second rep said she had no way of knowing who the first rep was and that she certainly did not have any way to receive the actual facts needed, again, for the credit. The CFPB should listen to the recordings of these representatives calls to see just how ridiculous they are. Finally, the second rep declared that a credit might be issued, maybe, depending on what XXXX XXXX said, and that, in any case, it would take weeks to months for the entire credit to come through, if at all, and/or be finalized. Chases enabling and defending its partners abuses for its own illicit gain, to include but not limited to enabling its retail partners to command significant amounts of cash or credits in mutually extorted interest-free loans for their ill-gotten cash flow and operating expenses on the backs of consumers and small business owners who are extorted to pay for them, is intolerable. So why does the CFPB, the FTC, and other regulators tolerate such predation by habitual, repeat offenders such as Chase and XXXX XXXX? Why is Chase allowed, once again, such huge discrepancies in how quickly it posts debits versus how quickly it issues overdue credits? What are XXXX of dollars in payments from me to XXXX XXXX supposed to be for at this point, except mutual, self-evident condemnation by such well known, co-perpetrators of this kind of pay-in-full-on-demand-get-later-maybe scam? XXXX XXXX would not even allow me to obtain its merchandise at any of its stores or warehouses. There is no normative alternative in which a customer buys something at a retail location and possesses, immediately and directly, the purchased goods that are bought. The extortionary delivery fees are simply a way that XXXX XXXX and Chase collude to push obvious and reasonable operating expenses of the retailer, of getting its merchandise to public stores for purchase, onto the backs of Chases credit card users. Chases position is absurd but clearly demonstrates its profiteering from commonplace frauds and scams. Why are regulators not preventing this kind of routine fleecing by merchants and their bankers? Please force Chase to issue a full and immediate credit to my credit card for this habitual scam immediately. Please sanction it and VISA so that neither may profit but only earn penalties in the well worn, pay-in-full-on-demand-get-later-maybe market predation that has increased and strengthened so many toxic, inflated and dysfunctional markets for consumers and small business owners alike. Please investigate other similar kinds of abuses by Chase and its corporate partners, monitor it indefinitely for its illicit activity with XXXX XXXX and do something effective to put an end to it once and for all.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Other transaction problem
Subissue:
Consumer Complaint: Money transferred was a scam and would like it returned based on reasons uploaded in document. This references the complaints made in early 2022 with the CFPB. These complaints centered around fraud.
Company Response:
State: MD
Zip: 20854
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
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 visited XXXX XXXX XX/XX/XXXX - XX/XX/XXXX. On my way to the airport to come home, I left my backpack in the back of the hotel-offered shuttle. The shuttle had already left when I realized my backpack was gone. I was standing at the front of the airport when a man dressed in a security airport uniform approached me and told me I needed to go back to the hotel to track the hotel shuttle that had my backpack. I got into the unmaked shuttle with him and a driver to head back. The hotel was approx 15 miles from the airport. We didn't even make it to the airport and the man told me he found the shuttle and we returned to the airport where it would meet us. We drove for less than half an hour altogether, there and back to the airport. I got my backpack back and was told that ride to find the shuttle would cost {$140.00}. I thought that was an outrageous price but agreed. He took out his XXXX and showed me the {$140.00} total and manually typed my card in. I signed for the {$140.00} and he did not offer me a receipt. The whole thing felt organized and sketchy and I felt very unsafe riding in an unknown shuttle with two strange men. I came home and realized this guy had charged me {$1400.00}. Not the agreed-upon {$140.00}. I disputed this with chase bank. At first, they agreed with my dispute and then went back on that decision. I then sent them a notarized letter I will include here after they disputed my dispute. They are not helping me resolve this and taking the side of the scammers. Why would I pay XXXX for a 15-minute shuttle ride? They are not telling me why they are not approving my dispute. They are ignoring me when I ask for an explanation. I was honest about the {$140.00} and was willing to pay that. This is a known scam in XXXX and Chase bank is not supporting one of their customers who has been loyal for years and always paid their account on time. Instead, they are assisting well-known scams occurring in XXXX. I would never agree to a {$1400.00} shuttle ride and for whatever reason Chase doesn't understand that. I am an older honest woman who is being taken advantage of.
Company Response:
State: WA
Zip: 98686
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Credit monitoring or identity theft protection services
Subissue: Problem with product or service terms changing
Consumer Complaint: In XXXX of 2022 I purchased a truck from XXXX 's XXXX, as a first time buyer I had a credit score of XXXX quoted by XXXX. During the transaction the dealer was rushing me out the door due to being past their business hours, not too mention he actually brought the wrong truck for me to take home. After speaking with our XXXX finance advisor we come to find out that the APR that they charged me was at 9.14 %, leaving me with 75 payments of {$1000.00}. XXXX couldn't understand why that was so high with such a good credit score! I tried to get XXXX 's to receive the truck back before the first payment was due, but they refused. We called Chase and XXXX 's several times to try and get the paperwork on the actual interest rate that we were charged but Chase said they didn't have the info and XXXX 's refused to disclose how much Chase had the APR set at initially.
Company Response:
State: OH
Zip: 43725
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I am writing to file a complaint against JP Morgan Chase & Co. On XX/XX/XXXX I purchased two round trip plane tickets from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX on XXXX XXXX through the Chase Ultimate Rewards Travel Center XXXX On XX/XX/XXXX I called the Chase Travel Help Desk to confirm that there were no issues with our flight reservation. A customer service representative ( CSR ) reviewed my reservation while I was on the phone and assured me that there were no issues with my flight, and that my reservation was confirmed. That evening ( XX/XX/XXXX ) we arrived at the airport to find that the flight ( operated by XXXX ) did not exist. There were no XXXX flights scheduled to fly out of XXXX that night. On XX/XX/XXXX I spent over XXXX hours on the phone with the Chase Travel Help Desk and XXXX customer service trying to figure out what had happened and how to proceed. The XXXX CSR let me know that XXXX no longer offered the XXXX XXXX XXXX had booked, and that they had alerted Chase of this schedule change in XXXX of XXXX. I was never notified about any changes to my flight reservation, nor was I issued a refund. The Chase CSR ( XXXX XXXX ) assured me that the only way to resolve this issue was for me to give authorization to cancel the XXXX trip reservation, then purchase XXXX new tickets through the Chase Ultimate Rewards travel portal. The new tickets were XXXX XXXXXXXX and cost {$1800.00}, more than twice what I originally paid for the flight since I had to purchase them only XXXX day in advance. He assured me that I would be refunded my original ticket price ( {$590.00} ), plus the difference between what I paid for the original flight and the new flight ( {$640.00} ) within 8 weeks. I have a personal recording of this phone call. On XX/XX/XXXX I was refunded $ XXXX the price of the original tickets. I have called multiple times over the last few months for updates, but most recently on XX/XX/XXXX I called XXXXhase Travel. They let me know that my ticket was pending review by the accounting department, and that he could not give me a time estimate for when I would hear from them. It has now been more than six months, and I have still not received the refund of {$640.00} which I was promised. Additionally, I suspect that throughout this process I have been given fake email addresses and names, intentionally hung up on, not called back, and forced to hold for long periods. These tactics make it time consuming, confusing and hard to follow up with customer service issues. Chases customer service is unethical, predatory and represents bad business practices that should be investigated further.
Company Response:
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2022, I saw 3 fraudulent transactions on my banking app totaling an amount of {$360.00}. I reported them right away to my bank and they locked my card and sent out a new one. When these purchases were made, I was in possession of my physical card, but the transactions made were via XXXX XXXX and were in-person transactions. I filed a claim with the bank to get that money back since those purchases were not made by me. They denied my claim, stating that the purchases were made in my direct vicinity, using my card, and can not be disputed. I then took screen-shots of the transaction history on my XXXX XXXX showing that although the fraudulent purchases showed up on my banking app, they were not on my XXXX XXXX transaction history because the purchases were never made using my device. Someone else added my card to their XXXX XXXX and made in-person transactions from their phone. I re-submitted the claim after denial with supporting evidence of the screenshots of my XXXX XXXX just to have them deny it again and tell me to get into contact with the merchants. I contacted the merchants, and was given information about the transactions such as transaction IDs and register numbers, and was advised to file a police report. Once I filed the police report, the detective in charge found XXXX footage of the exact register number and at the same time, the transactions showed up on my banking app. The suspect was a male and I am female. There is no way these purchases were made by me. As of now, the investigation is still underway to track down the suspect. I informed the bank of all of this information and was told " once we deny a claim, it is unlikely for us to look at further comments on that claim '', basically telling me to forget about the {$360.00} that I didn't spend. All of this happened over the course of 3 months, and I have made multiple phone calls to the bank, detectives, and merchants. The bank has given me the run-around since day 1 and refuses to listen. I now have to file a complaint with this bank, because this is the 3rd card that has been compromised from the same bank. I have had 2 additional credit cards, between my husband and I, from the same bank with fraudulent charges that have had to be locked and replaced and it was very inconvenient.
Company Response:
State: IL
Zip: 60181
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I disputed a {$960.00} charge from XXXX XXXXXXXX XXXX XXXX to Chase Bank because the repair was not completed, and the furnace was not heating. They provided no evidence that it was necessary and did not give a complete assessment of the problem ( s ) from the beginning so I could make a reasonable decision. Another company XXXX completed the job for which I paid {$290.00}. Chase Bank states they will take back the money because the charge was authorized. The furnace was not heating when the XXXX XXXX " completed '' the repair. The tech notes from XXXX states the gas shut off ( inside the furnace ) was in the off position, a startup and combustion test were not done. See enclosed XXXX XXXX notes. The XXXX XXXX falsely claims in their response to my XXXX complaint that he " demonstrated '' to me that the gas valve was turned on and the ( one ) air filter was dirty. He did not " demonstrate '' anything to me. My furnace has two filters not one like he stated. He can not not keep his facts straight when giving false statements. Had the filters been dirty, they could have been changed right then as I had more. The two 90 day filters had only been used for 19 days when the furnace stopped working. The XXXX XXXX said the filters were ok. The XXXX XXXX said I may want to consider having the coil cleaned in the future, implying that it was not absolutely needed at the time, and the cost would be {$800.00}. He also said I should keep all doors open and buy cheap filters to increase air flow. That was an absurd suggestion. The high limit could not have tripped because of overheating at that time as he falsely stated, as he did not turn on the gas valve and he could not have done any checks. According to the XXXX XXXX, the coil needed cleaned right away. It took only about 15 minutes to do, and the entire cost of the call was {$290.00}. XXXX mentioned the cost of removing and reinstalling the water heater was provided. That was not an issue because it was not removed. They failed to say that their tech did not tell me they would not be responsible for the water heater until he was on his way for the appointment. I would have lost my {$100.00} deposit for ordering the part had I canceled the appointment. I called XXXX shortly after their tech left as the furnace never heated after he completed the " repair ''. I had asked for the heat exchanger to be returned ( so I could see the crack ). The dispatch person only wanted to schedule an appointment for the additional {$800.00} repair. They never brought back the heat exchanger to show me the crack. Later I found this on their website which is included. [ If a technician has condemned your furnace due to a cracked heat exchanger, I would suggest explaining to the technician that you will want to see the crack with your own eyes when they remove the furnace. An honest company should have no problem standing behind their diagnosis. With the heat exchanger removed, the crack should be obvious to the untrained eye as in the picture. If the problem is not evident, make the company reinstall your old furnace and report them to the XXXX XXXX XXXX. ] XXXX did not bring back the heat exchanger as I had requested, so they did not stand behind their diagnosis as stated on their website.
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A