Date Received: 2023-03-03
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I pay my bills via Chase " bill pay ''. On XXXX XXXX XXXX I paid a vendor, XXXX XXXX the same way that I have paid him monthly for the last ten years. Of all my bill payees, this is the only one that is an individual private company as opposed to a large corporation ( utility company , insurance co, credit card co, phone co, etc ). The payment for this vendor has always been sent as a hard copy Chase check to his home address. I went into my account, selected " bill pay '', entered the amount, checked that it was withdrawing from the proper checking account and clicked " pay ''. A month later, the vendor came to me to tell me that he didn't receive my May payment of {$1400.00}. I looked at my online banking and after careful scrutiny, saw that it went to an email address XXXX via XXXX. The vendor told me he does not have an email address associated with his business and doesn't know whose email that is. CHASE or XXXX assigned that email address, not me! I went to my bank branch where I have had a long standing relationship and they told me unfortunately there is no way for Chase or XXXX to trace a transaction once it is sent and that I probably have no recourse! They told me to file a complaint with the Escalation Dept. of Chase. I filed the complaint and after several months, they let me know that there is nothing they can do and that by me clicking on " pay now '' when entereing the transaction, I authorized the transaction and absolved them of any wrongdoing. I was not satisfied with the outcome, so they told me to call the Chase Executive Office and file a complaint, which I did. After more that a month, without anyone contacting me for any further details or discussion, they left me a phone message that my inquiry and case is closed. If you look closely on the attached document, there is a very small " z '' is next to the P icon for that vendor ( attachment 2 ), meaning it can go via XXXX. It wasn't there several months prior ( last 3rd attachment ). Chase added the unknown email address to make it eligible for XXXX. Chase 's menu choice for " pill pay '' and " XXXX ' ARE THE SAME MENU. I DID NOT choose " XXXX '', it chose for me!
Company Response:
State: NY
Zip: 11803
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 credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I recently applied for a chase freedom flex card. After several weeks of waiting for the results, I never heard back from the company. After realizing they did a hard pull on my credit report, I called the company back and they found my application. After reaping there mistake and accepting my account, the did a second credit inquiry on my account for the same application.
Company Response:
State: WI
Zip: 53081
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with non-monetary relief
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: XX/XX/XXXX I was scammed/Fraud by receiving a text message from Chase bank stating : Chase bank alert XXXX Did you use your card at a XXXX supercenter on XX/XX/XXXX for {$270.00}? Reply : yes, no or Txt stop to opt-out. I texted : which card? I then received a message stating : Chase Bank : Thank you we will be placing a call shortly.. I received the call and we addressed the XXXX issue and then the problem started. {$190.00} in several increments were being withdrawn from my account and I can see it! The so-called chase fraudulent department was on the phone with me as my money was being transferred to my XXXX contacts. The so-called chase agent asked me if I knew the people that it was being transferred to. I said yes. He then asked me to contact them and see if they would transfer the money back. We did that and I received text messages. XXXX XXXX XXXX WON'T CALL for this XXXX code, Enter : XXXX. Don't share! Reply HELP for help, STOP to end msgs. Msg & Data rates apply. Send Money with XXXX message from XXXX XXXX @ XXXX. XXXX XXXX sent you {$1.00}. We'll deposit this Send Money with XXXX payment to your XXXX XXXX account. Reply HELP for help. Reply STOP to cancel. Msg & Data rates may apply. Send Money with XXXX message from XXXX XXXX @ XXXX. XXXX XXXX sent you {$1900.00}. We'll deposit this Send Money with XXXX payment to your XXXX XXXX account. Reply HELP for help. Reply STOP to cancel. Msg & Data rates may apply. Send Money with XXXX message from XXXX XXXX @ XXXX. XXXX XXXX sent you {$2000.00}. " Refund to XXXX ... '' We'll deposit this Send Money with XXXX payment to your XXXX XXXX account. Reply HELP for help. Reply STOP to cancel. Msg & Data rates may apply. Here is a copy of the first text messages. CHASE BANK ALERT : DID YOU USE YOUR CARD AT AN XXXX XXXX* on XX/XX/XXXX for {$270.00}? Reply : Yes, No or Txt STOP to opt-out. CHASE BANK : THANK YOU WE WILL BE PLACING A CALL SHORTLY.. The problem is that the money never came to my account. So I contacted chase fraudulent department and stated that. The fraudulent agent said that no one had filed a claim so she created one. I then saw the money come back to my account but it was pending. This occurred on XX/XX/XXXX. Then it started reversing out of my account. I contacted the fraudulent department again and they told me that they did not see any fraudulent transactions and that they could not assist me with it because it came from my device ( cell phone ) with me opening it up with my face recognition. I asked why they didnt stop those unauthorized transactions? I informed them that I have been dealing with Chase for a very long time and there is no indication that I would have authorize a series of {$190.00} increments in the same day anywhere that should have been a red flag. I then went to XXXX different branches for assistance and yesterday the agent in the branch found out that I was scammed/fraud and tried to get the fraudulent department to open my case and add her findings and they declined her request!
Company Response:
State: LA
Zip: 707XX
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: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: My partner and I placed an application for a home loan on XX/XX/2023 because we saw that chase said that they accepted homebuyers for FHA 3 % and 10 % home loans. Upon doing an initial application and speaking with XXXX, we were discouraged from sending our application to underwriting and were told that chase did not accept down payment assistance programs because people that used them tended to be unreliable with making mortgage payments, and that they did not do any FHA loans under XXXX for the same reasons. I attempted to file a complaint with Chase but they did not think discrimination was a big deal.
Company Response:
State: GA
Zip: 30067
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: Getting a loan or lease
Subissue: Problem with additional add-on products or services purchased with the loan
Consumer Complaint: Please see previous complaint number cited below XXXX I am providing new contact information for the company. The company name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Principal Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Company Response:
State: TX
Zip: 75234
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: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: XX/XX/2023 placed a call to chase bank regarding my chase sapphire credit cards current APR. chase is currently offering APR of 20.49-27.49 % to new customers i called to request a lower APR with them since i am a current customer. the website for chase states the following which clearly states request for LOWER APR via customer service ( please see below for link and verbage ). when you call they informed me they do not offer what the website claims and although other credit card companies allow you to lower the rate Chase on the other hand does not lower their rate regardless of the request. i filed 2 internal complaints with Chase credit card. this is deceptive and a clear violation of the fair lending act as this misleads consumer into thinking we can get a lower rate when in reality they do not allow for lowering the rate even though they offer lower apr on their website to new customers but not current customers. the advertising on their website is confusing and very misleading about how chase handles lower APR requests by consumers. The card issuer may and in some circumstances must compare the rate youre being charged with the rate the card issuer would charge you today if you applied for a new card. If your rate is higher than what you would be charged as a new customer, the card issuer must reduce your rate. However, this rate will not necessarily be as low as your original rate. " Chase reviews qualified accounts every 6 months and automatically lowers the APR if eligible. Chase will send a letter to notify you of any changes. Requests for a lower APR are not supported outside of this review process. Depending on your credit card issuer, if you ask for a lower interest rate, a customer service specialist might be able to submit a request on your behalf. Keep in mind that not every credit card issuer or bank accepts these requests and there is no guarantee that this request will be accepted. There are regulations that your bank or credit card company has to follow before they can increase/reduce your APR '' https : //www.chase.com/personal/credit-cards/education/interest-apr/how-to-score-lower-interest-rate-on-credit-card
Company Response:
State: AZ
Zip: 85042
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Other transaction problem
Subissue:
Consumer Complaint: XX/XX/2022 XXXX ( XXXX XXXX, passport XXXX XXXX XXXX ) made a transfer of my own funds to my wife XXXX XXXX XXXX, passport XXXX XXXX XXXX ) from a bank XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) ) to the XXXX XXXX XXXX ( XXXX ). The money transfer went through XXXX XXXX XXXX ( XXXX ) and was blocked on the correspondent account of XXXX XXXX XXXX ( XXXX ). Presumably due to sanctions against XXXX ( XXXX ). Ammount : XXXX USD ( XXXX EUR ) XXXX XXXX XXXX : XXXX Until now, I can not get my money, because XXXX XXXX did not transfer it and does not comment on the situation. I doubt the legitimacy of actions of XXXX XXXX, because : 1. Remitter and benificiary are not in XXXX list. Funds won't be available for any XXXX-party 2. Funds were received by XXXX XXXX XXXX on XX/XX/2022, but sanctions against XXXX were introduced on XX/XX/2022. Those the transfer could and should have been processed, but XXXX XXXX didn't. Attached are the transfer details and documents.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: On or about the night hours of XXXX, my private automobile was repossessed by an unknown entity via order of XXXX ( XXXX XXXX ). I did not know where said automobile was for 8 days even with multiple unsuccessful attempts to contact XXXX XXXX for location. I am a single woman with only one automobile for private use in my domicile in Texas. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX stating that I needed to contact their 800 number for information regarding my private property. I did so and found out that a company by the name of XXXX XXXX XXXX XXXX XXXX had repossessed this automobile. All above are violations of the consumer protection laws/constitutional laws, and Private property laws in Texas. This account has been disputed since XX/XX/XXXX with XXXX XXXX refusing all documents sent in the mail including : full settlement of account ( as appropriate via 31USC3123, 18 USC 8, Public Laws 73.10 ), Affidavit of Power of Attorney, Fee Schedule for violations of refusal to accept full discharge of account, Fiduciary Appointment. Each packet sent to XXXX XXXX was unaccounted for in the corporation computer, as all agents of said corporation could find no record of these documents. I have copies of everything sent including tracking records and all returned XXXX envelopes/refusals to discharge account. At present, XXXX XXXX XXXX XXXX is in possession of this private automobile. Please explain how this corporation can violate the following and where this corporation had consent by this XXXX XXXX and Creditor to unlawfully obtain this automobile without judicial orders : Pursuant 42 U.S. Code 1983 - Civil action for deprivation of rights- Every person who, under color of any statute, ordinance, regulation, custom, or usage, of any State or Territory or the District of Columbia XXXX subjects, or causes to be subjected, any citizen of the United States or other person within the jurisdiction thereof to the deprivation of any rights, privileges, or immunities secured by the Constitution and laws, shall be liable to the party injured in an action at law, suit in equity, or other proper proceeding for redress, except that in any action brought against a judicial officer for an act or omission taken in such officers judicial capacity, injunctive relief shall not be granted unless a declaratory decree was violated or declaratory relief was unavailable. For the purposes of this section, any Act of Congress applicable exclusively to the District of Columbia shall be considered to be a statute of the District of Columbia. Pursuant 15 U.S. Code 1692d - Harassment or abuse- A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 1692eA 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 : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. ( 13 ) The false representation or implication that documents are legal process. 15 U.S. Code 1692f - Unfair practices- ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. 15 U.S. Code 1692g - Validation of debts- ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 15 U.S. Code 1692i - Legal actions by debt collectors- ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall ( 1 ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. 18 U.S. Code 8 - Obligation or other security of the United States defined U.S. Code The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 31 U.S. Code 3123 - Payment of obligations and interest on the public debt ( a ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. ( b ) The Secretary of the Treasury shall pay interest due or accrued on the public debt. As the Secretary considers expedient, the Secretary may pay in advance interest on the public debt by a period of not more than one year, with or without a rebate of interest on the coupons. ( c ) ( 1 ) The Secretary may issue a bond, note, or certificate of indebtedness authorized under this chapter whose principal and interest are payable in a foreign currency stated in the bond, note, or certificate. The Secretary may dispose of the bonds, notes, and certificates at a price that is at least par value without complying with section 3102 ( b ) ( d ) of this title. ( 2 ) In determining the dollar amount of bonds, notes, and certificates of indebtedness that may be issued under this chapter, the dollar equivalent of the amount of bonds, notes, and certificates payable in a foreign currency is determined by the par of the exchange value on the date of issue of the bonds, notes, or certificates as published by the Secretary under section 5151 of this title. ( 3 ) The Secretary may designate depositaries in foreign countries in which any part of the proceeds of bonds, notes, or certificates of indebtedness payable in the foreign currency may be deposited. Article 1 section 10 of US Constitution-No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder , ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. Texas Bill of Rights Sec.A1.AAFREEDOM AND SOVEREIGNTY OF STATE. Texas is a free and independent State, subject only to the Constitution of the United States, and the maintenance of our free institutions and the perpetuity of the Union depend upon the preservation of the right of local self-government, unimpaired to all the States. Sec.A3.AAEQUAL RIGHTS. All freemen {, when they form a social compact, have equal rights, and no man, or set of men, is entitled to exclusive separate public emoluments, or privileges, but in consideration of public services. Sec.A3a.AAEQUALITY UNDER THE LAW. Equality under the law shall not be denied or abridged because of sex, race, color, creed, or national origin. This amendment is self-operative. Sec.A9.AASEARCHES AND SEIZURES. The people shall be secure in their persons, houses, papers and possessions, from all unreasonable seizures or searches, and no warrant to search any place, or to seize any person or thing, shall issue without describing them as near as may be, nor without probable cause, supported by oath or affirmation. Sec.A16.AA BILLS OF ATTAINDER ; EX POST FACTO OR RETROACTIVE 7LAWS ; IMPAIRING OBLIGATION OF CONTRACTS. No bill of attainder, ex post facto law, retroactive law, or any law impairing the obligation of contracts, shall be made. Sec.A17.AA TAKING PROPERTY FOR PUBLIC USE ; SPECIAL PRIVILEGES AND IMMUNITIES ; CONTROL OF PRIVILEGES AND FRANCHISES. ( a ) No person s property shall be taken, damaged, or destroyed for or applied to public use without adequate compensation being made, unless by the consent of such person, and only if the taking, damage, or destruction is for : ( 1 ) AA the ownership, use, and enjoyment of the property, notwithstanding an incidental use, TITLE 5. EXEMPT PROPERTY AND LIENS SUBTITLE A. PROPERTY EXEMPT FROM CREDITORS ' CLAIMS CHAPTER 42. PERSONAL PROPERTY Sec. 42.001. PERSONAL PROPERTY EXEMPTION. ( a ) Personal property, as described in Section 42.002, is exempt from garnishment, attachment, execution, or other seizure if : ( 1 ) the property is provided for a family and has an aggregate fair market value of not more than {$100000.00}, exclusive of the amount of any liens, security interests, or other charges encumbering the property; or ( 2 ) the property is owned by a single adult, who is not a member of a family, and has an aggregate fair market value of not more than {$50000.00}, exclusive of the amount of any liens, security interests, or other charges encumbering the property. Sec. 42.002. PERSONAL PROPERTY. ( a ) The following personal property is exempt under Section 42.001 ( a ) : ( 1 ) home furnishings, including family heirlooms; ( 2 ) provisions for consumption ; ( 3 ) farming or ranching vehicles and implements ; ( 4 ) tools, equipment, books, and apparatus, including boats and motor vehicles used in a trade or profession; ( 5 ) wearing apparel ; ( 6 ) jewelry not to exceed 25 percent of the aggregate limitations prescribed by Section 42.001 ( a ) ; ( 7 ) two firearms ; ( 8 ) athletic and sporting equipment, including bicycles ; ( 9 ) a two-wheeled, three-wheeled, or four-wheeled motor vehicle for each member of a family or single adult who holds a driver 's license or who does not hold a driver 's license but who relies on another person to operate the vehicle for the benefit of the nonlicensed person ; 10 U.S. Code 921 - Art. 121. Larceny and wrongful appropriation ( a ) Any person subject to this chapter who wrongfully takes, obtains, or withholds, by any means, from the possession of the owner or of any other person any money, personal property, or article of value of any kind ( 1 ) with intent permanently to deprive or defraud another person of the use and benefit of property or to appropriate it to his own use or the use of any person other than the owner, steals that property and is guilty of larceny ; or ( 2 ) with intent temporarily to deprive or defraud another person of the use and benefit of property or to appropriate it to his own use or the use of any person other than the owner, is guilty of wrongful appropriation. ( b ) Any person found guilty of larceny or wrongful appropriation shall be punished as a court-martial may direct. And Texas Supreme Court Docket Number 21-9152. https : //www.txcourts.gov/media/1453292/219152.pdf
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
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: 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Also account paid and was suppose to be removed from my credit report.
Company Response:
State: IL
Zip: 60473
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
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 charge {$1900.00} i went to XXXX with XXXX XXXX we were going to rent an office together. The guy said only can rent. I begged for an exception and tried signing on an office lease. Then i paid {$1900.00} which was deposit and part of XXXX because XXXX wanted to work a few days in XXXX. The lady gave us keys. Then she read rules and somehow she said XXXX was the only lease holder. I said i thought i was on lease. She said no. I was tricked so the salesman at met could make a commission. I emailed the guy a lot even asked for a calif 3 day cooling off law to get a fund or get a smaller office by myself with the money. He only catered to XXXX XXXX. I filed fraud at chase. The investigator from chase told me to do a dispute. I called dispute and told them what happened twice and they said theyd take my case but i had to call back because of work. I called chase and a mean lady answered and said shed never let me file a dispute there. She said she will make sure of it. So i was unable to dispute and recover my funds.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A