Date Received: 2023-03-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Money taken from Chase Bank thru a wire I did not do. On XXXX for XXXX
Company Response:
State: MI
Zip: 48198
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
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 disputed a charge for an item i bought on XXXX. item came in labeled as a XXXXxl but actual size and measurements were not. The item was also counterfeit. I reported this to XXXX, Seller offered me a partial refund if i would close the dispute. The seller then never issued a refund and stopped responding. When i disputed this with chase they sided with the seller stating the item were as described. I then was told i could only appeal their decision by fax or paper mail which i did, But they are not acknowledging that either. Sad that a company like chase would let their customers be defrauded and scammed and not care. Its becoming a great company for criminals.
Company Response:
State: MN
Zip: 559XX
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Chase authorized a check in the amount of {$9900.00} to a person who I did not write the check to. I wrote the check to a company and the check was cashed by somone else with an account with XXXX XXXX XXXX. Chase acknowledges that the payee is different than who I wrote the check out to. However, they are not refunding the funds stating that they are waiting for XXXX XXXX XXXX to refund the funds to them first. Its been over 6 months.
Company Response:
State: NY
Zip: 11423
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I had a Southwest Visa Credit Card that was issued by Chase. On XX/XX/2023, I paid off my balance of approximately {$5300.00}. At this time, I also paid off several other credit cards and loans through a consolidation loan. On XXXX I got an electronic letter from Chase stating that my credit limit was reduced from {$5400.00} to {$500.00} stating that my limit was reduced due to high balances on my revolving accounts. I check my credit report several times a week and as of XXXX my credit report shows that paid off two loans and three credit cards. I believe that Chase opened the account when I was rebuilding my credit with a 28 % interest rate in an act of predatory lending and when I paid it off they punished me by reducing my credit limit. I have never missed a payment or violated our agreement which would justify this decrease. When I addressed it with them, they stated that I could file a disagreement and resubmit all of my information to see if i could get it increased. As I have done nothing to violate the previous agreement and I believe that this was originally approved as a predatory practice, I closed the account.
Company Response:
State: CO
Zip: 805XX
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I have the Chase Sapphire Reserve card, which has a purchase protection caluse of up to {$10000.00} per purchase ( as seen on page 25 of the Benefits Guide ). On XX/XX/ I registered a claim with them for an item that's worth {$2000.00}. Along with the claim, I submitted the original invoice as well as card statement showing the charge to my account to prove that my card was used to pay for the purchase. I can provide the official claim number if needed. Chase asked for official repair estimate. I had a repairperson come and run the estimate, which came to {$160.00}. Chase told me that they can only pay up to {$500.00} for the purchase protection because that's what the card offers. When I showed them their own, official documentation showing purchase protection on my card of up to {$10000.00} per purchase, they told me they'd look into it and get back to me. It's been three months, and I haven't heard anything back from them, apart from receiving a check for the {$160.00} that the technician charged for the estimate.
Company Response:
State: WA
Zip: 98296
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Chase has many cards ( 9! ) that have Ultimate Reward points. The Freedom Unlimited card, the regular Freedom card, the Sapphire card, the Sapphire Preferred card, the Sapphire Reserve card, the Ink Unlimited card, the Ink cash card, the Ink Preferred card and the Ink Premier card ( which is a new card ). The way it always worked was that all these points can be moved around to each other ( under the same household ). I had XXXX points on my Ink Premier and around the same amount on my Ink Unlimited card. Ultimately I wanted to use them to transfer to an airline of my choice. So to make it easier to track, I decided to combine them into 1 account. So on XXXX XXXX XXXX I moved my XXXX points from my Ink Unlimited to my Ink Premier. Then I realized to my horror that not only can't Ink Premier points be transferred to airlines, I can't even move it back to the card it came from! The Ink Premier card is a trap, it's the ONLY Ultimate rewards card that can receive, though can't send! So now I'm stuck with such a huge amount of points that I wanted to use to fly and instead just stuck with their lousy cash back option. Very very upsetting and very unfair that all other 8 Chase ultimate reward cards, points can be moved in and out, and the Ink Premier can only receive! If Chase wants the Ink Premier card to be a different product than all the other cards, then they shouldn't let points in as well.
Company Response:
State: NY
Zip: 10314
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Other transaction problem
Subissue:
Consumer Complaint: XX/XX/XXXX XXXX initiated a wire transfer in amount of {$13000.00} from XXXX XXXX Account to Chase Bank. Reason - XXXX XXXX. Posted & account debited. XX/XX/XXXX Wire transaction completed & obtained Federal Reserve Tracking number. XX/XX/XXXX thru XX/XX/XXXX no funds received in recipient 's Chase Bank account. XX/XX/XXXX Still no response from Chase Bank. XXXX determined they input an incomplete account number but had the correct bank routing number. They initiated an XXXX. XX/XX/XXXX Still no response from Chase Bank & {$13000.00} not in the recipient 's account. XXXX initiate a Recall. Recipient contacted Chase bank repeatedly over these weeks via phone to no avail. XX/XX/XXXX recipient called the local Chase Branch Vice President requesting his assistance & provided him the Federal Reserve Tracking number. XX/XX/XXXX Recipient met in person with the Chase Bank VP however he had no update. XX/XX/XXXX recipient provided the Chase Bank VP with a copy of the XXXX Wire Transfer XXXX form confirming the wire went to Chase Bank. XX/XX/XXXX Not a single response from Chase Bank to date. The {$13000.00} remains unaccounted for. The funds are not in the sender 's account nor in the recipient 's account. FIVE weeks is too long for a Wire Transfer to post at Chase Bank. I can not attach the Wire Transfer Transaction form below due to the identifying information.
Company Response:
State: TX
Zip: 78759
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/23 at XXXX, Chase emailed me saying that my credit card was added to an XXXX XXXX XXXX. I do not use XXXX XXXX and did not lose my credit card. They sent another email saying my card was used in " XXXX XXXX '' for {$970.00} at XXXX. I have my own house that is fully paid off. I would not be in a luxury apartment building. I got another email saying Chase canceled an unauthorized XXXX payment to someone I do not know at XXXX. Another XXXX payment was canceled to a different person at XXXX. All throughout this time, Chase locked me out of my online banking. The next morning, XX/XX/23, I go to recharge my prepaid SIM card for my phone and I am told that my number has been stolen. On XX/XX/23 at XXXX, another XXXX payment was canceled to the same person from the previous night. I go to my local Chase branch and I find out about the following unauthorized transactions : 1. Savings account transfer to my checking account = {$3000.00} 2. Daughter 's college checking account to my checking account = {$1800.00} 3. Unauthorized XXXX payments = {$1500.00} 4. " Memo POS DEBIT IN *P '' = {$8400.00} I filed a claim with Chase XXXX XX/XX/23 from around XXXX. I have also closed my checking account, savings account, and daughter 's college checking account since then. The bank teller told me they would send a check in 2 weeks or give me a letter following up with my claim. On XX/XX/23 at around XXXX, I went to the XXXX and filed a police report. I got assigned to the local detective. On XX/XX/23, I submitted the police report to Chase. On XX/XX/23, Chase sends me an email crediting {$1500.00} to me because they agreed the transaction was unauthorized. I did not even receive a check for this, how are they crediting this to my account? I have emails from the post office that tracks all my incoming mail to further back this. Even so, I am still missing my {$8400.00}. I went to the bank today XX/XX/23 to follow up because I have not heard anything from them. They said I never filed a police report or it's not in their records. They also said that they rejected my claims and are closing my report because the transactions seemed normal?! They drained my entire bank account for the first time in the XXXX decades I've had Chase and said that this type of activity was normal. They would not let me know where the transactions were made, who they were paid to, etc.
Company Response:
State: NY
Zip: 10305
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Saturday XX/XX/2023 at XXXX I attempted to deposit {$1300.00} in cash at the ATM within the Chase branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. The ATM accepted my money, but then presented an on-screen error message stating the transaction could not be completed, and printed a receipt ( attached below ) stating to call the Chase customer service number. It did not return me my money. I checked my account to see if the deposit had completed, however there was no record of it in my account. I called back on Monday XXXX/XXXX/2023 at XXXX, to open a claim about this. The operator stated the money would be credited back to my account, but 3 days later I heard nothing back, and no money was put into my account. Today, XXXX/XXXX/2023, I called back at XXXX to check up on the claim. Both the operator and supervisor informed me the claim had been denied after an ATM audit showing no record of the money, and that they could bot return me the {$1300.00}. I am planning on contacting the XXXX tomorrow to subpoena the ATM footage showing proof of the money being deposited. I have so far received no money from the deposit.
Company Response:
State: CA
Zip: 94102
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
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/2022 my credit card company posted a charge for {$160.00} from XXXX XXXX XXXXXXXX which is not supposed to be a charge on the card when I found out about that I contacted my credit card company and told them that I didn't authorize this charge so they open a fraud dispute regarding that charge and credited the balance back on my account, but recently the fraud department from the credit card company contacted me and told me that they have to dismiss this dispute and advised me to call them back to open another dispute for an unauthorized charge by the merchant with an agent over the phone. When I did try doing that, the agent from the Chase credit card company told me because the fraud department has closes dispute in the favor of XXXX I have to pay that amount and they can not help me open another dispute or else I have to write a letter and mail it to them and then they will decide whether they can open a dispute or not. I firmly believe that this is unjustly trying to make me pay for some thing that I didn't authorize on my card. As I paid the full balance of my stay with XXXX with my another card, and this card was just used for identification purposes which shouldn't be charged with any kind of fee or payment as I have the proof that I paid the full amount with my another Chase credit card. I informed them regarding what I am saying here, but they are not ready to listen to my side of the story and not opening another dispute and unjustly trying to ask me to pay the amount.
Company Response:
State: NJ
Zip: 08859
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A