Date Received: 2023-03-12
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XX/XX/2023 A fund from XXXX XXXX / XXXX still haven't posted to account after notice from J P Morgan notice stated needed more time. I submitted refund letter several times communication with XXXX XXXX has failed but an apology letter gad been issued also offered refund. JP Morgan has failed to return my funds. XXXX, Chase bank executives failed to return calls. Legal action are a must at this point its been over 6 months.
Company Response:
State: CA
Zip: 90732
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: Its about " Trip Cancellation / Interruption '' benefit that comes with Chase bank XXXX XXXX XXXX '' credit card. I filed a " Trip Cancellation / Interruption '' claim of {$1400.00} properly with the credit card benefit provider online at https : //www.eclaimsline.com ( As per Bank instruction ) on XX/XX/2022 and provided/uploaded all required documentations. Its been close to one year, my claim has not been processed yet ( Its been in " Pending '' status since XX/XX/2022 ). Starting from XX/XX/2022, I have been harassed by the benefit provider. I was asked to upload the same documents multiple times that I have already uploaded/emailed many times. Roughly every XXXX or XXXX months, someone from customer service sends me email asking for the documents which I have already shared. I tried contacting them over phone many times but they are never reachable. I tried emailing them many time but no response. Between XX/XX/2022 XXXX/XXXX/203, I received 8 emails from them every time they ask me a document that I have already sent many times in the past. .It seems like none from customer service check the documents that I uploaded online or emailed. Most recently they asked me about a different credit card number information which I have provided to them at least 3 times. I am feel harassed and trapped in their never ending process. I strongly feel, the card benefit provider is delaying my claim on purpose and they don't want to pay me the reimbursement.
Company Response:
State: FL
Zip: 32259
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
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 ordered I toilet which was not the one I received. I filled a dispute with Chase and was denied. I filed the same dispute with the merchant, XXXX 's, and they gave me a refund. I wrote Chase to inform them of this ( not asking for a refund since I already got it ). They sent a letter back on XX/XX/XXXX telling me that they were right and I was wrong.
Company Response:
State: CA
Zip: 94127
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I purchased two tickets back to back with XXXX XXXX using my Chase credit card rewards points and was not refunded my full funds upon cancellation. The first purchase was made on XX/XX/XXXX around XXXX XXXX for XXXX points ( the equivalent of {$210.00} ). I wasn't sure if I would be able to make the flight, so the next day I purchased a second flight on XX/XX/XXXX around XXXX XXXX for XXXX points ( the equivalent of {$150.00} ) with then intent to cancel the first flight before the 24 hour grace period had ended. When I attempted to cancel the first flight, the Chase purchase site said to call XXXX XXXX at XXXX. I logged onto XXXX XXXX ' site and also called the number. When I called the number, XXXX XXXX stated that I had to get on their website to use their chat feature. I logged onto their chat feature and began asking about the cancellation. I was told I could cancel via the website. I had already found my flight, but the site said there was a {$99.00} cancellation fee ( see pictures ). I asked the " person '' I was chatting with why my 24 hour cancellation period was not applying. They said the flight was subject to a cancellation fee even within the 24 hour cancellation period if the flight was within the next seven ( 7 ) days. I asked for alternatives. I then asked for the remainder of my refund to come to me in cash ( meaning a refund to my original payment method ). I was told that I could ONLY RECEIVE A FLIGHT CREDIT as my " refund ''. Upon cancelling both flights, I was charged a {$150.00} cancellation fee ( NOT THE {$99.00} cancellation fee listed on their site ) and the " refund '' was a flight credit that I have no need for considering the fraudulent actions of the service provider. Prior to wrapping up, I asked for the representative 's name and a reference number for our chat. The representative said their name was " XXXX '' ( around XXXX XXXX XX/XX/XXXX ) and that there was NO REFERENCE NUMBER FOR THE CHAT. I asked if I could get a copy of the chat emailed to me and was told I could not. I asked why my refund was not able to be a cash refund, but the representative ( after waiting approximately 4 mins to respond to me ) said that a cash refund was not available " in this case '' then ended the chat approximately 60 seconds after that statement was made EVEN THOUGH I HAD ALREADY ASKED A FOLLOW UP QUESTION stating that " It looks like you're not there anymore. '' After this took place, I called the Chase credit card helpline and spoke with someone at Chase Rewards ( I can provide the name of the representative ) on XX/XX/XXXX around XXXX XXXX. That representative referred me to a specialist ( I can provide the name of the specialist ) who I asked for help cancelling my second flight ( purchased before I knew I was being scammed ). The specialist also tried to call the number listed on the Chase site to get assistance with the cancellation and the specialist said he marked that the call line was not sufficient for cancellation in my file ( I can provide the call reference no. I received upon request ). Major problems : 1 ) The fraudulent disparity in the cancellation fee charge advertised and that charged ( this is an airline often used by those with fewer means, making this even more problematic ) ; 2 ) The out of market refund policy a ) charging a cancellation fee based on how close you are to flying out rather than giving the 24 hour cancellation period that is market and b ) REFUSING TO GIVE A REFUND AT ALL WITH THE REMAINDER OF THE FUNDS ; 3 ) The highly problematic practice of keeping no record of the " customer service '' logs. This was even more of an issue because the record was extremely difficult to keep for myself. I had to take screen shots and the screen was not easy to navigate ( it moved around on my phone as I was trying to take the screen shots in succession ). I would imagine that navigating this system would be nearly impossible for someone with less time, money, AND/OR knowledge of generally accepted record keeping practices.
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Chase Cardmember Services, XXXX XXXX XXXX, XXXX, DE has modified its card member agreement on it's Amazon Rewards Signature credit card effective XXXX to include a " Penalty APR '' of up to 29.99 %. As if the company wasn't already making outrageous interest on purchases, but to have the immorality to create a so-called " Penalty APR '' in the event a minimum payment isn't made by the date and time that it is due, or if a payment is returned unpaid, rather than institute a late fee ONLY that doesn't impact the card 's APR that " could potentially remain in effect indefinitely '' is just plain wrong and should be investigated.
Company Response:
State: PA
Zip: 18901
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This company is violating the FDCPA, JPMorgan Chase Bank. I asked this company to show proof of this alleged debt. They sent me copies of an installment contract showing that they was assigned a contract by a creditor, when in fact they are debt collectors trying to collect on a debt that I do not owe them. This company has stolen my personal property ( vehicle ) Pursuant to 15 USC 1692e. -False or misleading representation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 4 ) The false representation or implication that nonpayment of any debt will result in arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is unlawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. According to 15 USC 1692f -Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. I Dispute any debt allegedly owed to this company. This company must stop all collection activities, I am revoking now. Do not attempt to sell my personal property ( The Vehicle ) This company has also violated the FCRA by reporting inaccurate information on my Consumer report to the Consumer Reporting Agencies. According to 15 USC 1692k The Law is very clear as to the Civil Liability and remedy available to me.
Company Response:
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act the creditor has violated my rights under 15 USC 1681 section 602 states I have right to privacy 15 USC 1681 section 604A section 2 its also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC1666b a creditor my not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Company Response:
State: NY
Zip: 11550
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: 2 separate hard inquiries on my XXXX report. One from JPMC bank, and one from XXXX
Company Response:
State: CA
Zip: 92675
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.
Company Response:
State: TX
Zip: 76001
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On the XXXX of XXXX I noticed XXXX dollars missing from my bank account with chase I saw lots of different transactions that where not made by me I submitted a claim that I detected fraud on my account I waited 3 weeks for chase to do a investigation once it was completed they told me there was nothing they could do they closed my account with my pay check that was deposited by my job of XXXX I have pictures to show everything there was also 3 checks deposited into my account they where all fraudulent checks taking money from people I have XXXX before chase will not do anything to help and will not refund the money that was taken.
Company Response:
State: AZ
Zip: 85014
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A