Date Received: 2023-02-27
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: ordered a XXXX return pallet it never came made a complaint thru the bank and they said they spoke with the company and they gave them a tracking number but I ordered a large pallet their discription of the package was light it was supposed to be a whole pallet of XXXX electronic returns. I feel like if I make a complaint with my bank about fraudulent practices the company should not be able to make up false documents I was looking for pallet that never came I am home all the time
Company Response:
State: MI
Zip: 48205
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I received a pre-approval offer on my Chase mobile banking app for the Sapphire Preferred Card in early XXXX of 2022. The offer included XXXX bonus points if I spent {$4000.00} within the first 3 months. I signed up for the card through the website and was approved. After exploring the rewards page, the offer I had received was now only XXXX bonus points instead of the XXXX bonus points as reflected on the offer I received on my account. I then contacted Chase Sapphire Preferred Customer Service and, after explaining the circumstances, I was told that if I spent {$4000.00} within the first 3 months and qualified for the offer of XXXX bonus points, I can call the customer service number again to file for an escalation for the XXXX other points that was encompassed, in full, through my original offer of XXXX bonus points. However, when I called back, I successfully processed the escalation and was sent an electronic letter about 10 days later and received notification that my escalation was denied - Your account isnt eligible for the offer you requested. I was misled by Chase Customer Service, to make a purchase of {$4000.00} and had not received the offer I was provided with. One of the reasons I signed up for the card was because of the XXXX bonus points I received when making a purchase of {$4000.00} within the first three months of accepting the offer and being approved. However, even after following the instructions from the customer service representatives I spoke to, I was advised I would receive the XXXX points that were missing from my account as I was only given XXXX bonus points. The customer service representatives also told me that there was no way to contact Card Member Services, who provided the letter I received, and that the Customer Representatives themselves dont even have any contact with them. Not even by mail, phone, email, or other methods of communication which were not possible. Because of this, I was informed that there was no way for them to provide further information or to get further assistance with my issue on my account. I was misled while also following the instructions provided to me by the Customer Service Representatives at the Chase Sapphire Preferred Card contact number
Company Response:
State: NY
Zip: 11791
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I've been a Chase customer for years with a credit line > $ XXXX. My wife got a referral offer for the XXXX credit card. She is a cardholder and I've been marketed to numerous times. I finally decided to apply and they decline me, despite the fact my account is in perfect standing ( and I haven't even paid interest because I pay in full every month ) and my Chase-proprietary credit score is XXXX out of XXXX. Nearly perfect. I called Chase and all they could or would do is read back the letter to me, which was emailed to me. They didn't even bother to mail the rejection. In the end, I got a hard inquiry and a no real explanation, nor anyone that can actually help me. I pay off my credit card in-full every cycle on all my credit and charge cards, including Chase, XXXX my very high XXXX XXXX, and I wonder if this decline is more of the fact I am unlikely to generate the revenue they want versus I am a bad credit risk.
Company Response:
State: IL
Zip: 60607
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I noticed there was an unauthorized charge to my personal checking account using my debit card, which was still in my possession. I only noticed because my balance was lower than I expected. I went through the charges and noticed a charge for the amount of {$310.00} from a company by the name of XXXX airline. I have never done business with any airline in my entire life, I don't have a passport, and I have never even been on a plane. I saw the charge was made on XX/XX/2023. I tried calling the airline to find out what happened but was unable to speak to anyone at that time without having any ticket or reservation number. I called my bank directly. I was transferred to the claims department. They advised me the money would be put back into my account and I would have to cancel my bank debit card and they'd send me a new card. All of this was done and the account was credited on XX/XX/2023. I noticed my bank account was again lower on funds than expected and saw that on XX/XX/2023, the charges from the airline were reversed and Chase had taken the funds out again. I called as soon as I noticed and was once again directed to their claims department. The representative I spoke with said they had conducted an investigation and it was noted that the charge was used with my physical card at a chip reader using my PIN and they determined at that point my claim was reversed. I advised them that at no point did anyone but myself has access to this card and that I have never made any purchase in person or otherwise with this company. I asked to have the call escalated and Spoke with a Claims Supervisor, who told me the charges would not be put back into my account because I obviously used the card as it showed them it was a chip read PIN purchase and I must have forgotten or gave my card to someone to use. I vehemently disagreed and was very frustrated because the supervisor told me, " You have to prove it because it says you entered your PIN, you must have let someone use the card and forgot '' I again denied that allegation and got very upset. I asked her if it was possible that my card was skimmed and used this way and she said, " Anything is possible but YOU have the burden of proof, we can't put the money back. '' I asked if there was any info she could provide me with to use such as a purchase number or ticket number so I could try and contact the company who charged my card to try and resolve it. She stated no and was mad with my for raising my voice and said she couldn't do anything for me and asked me if she could do anything else. I hung up. I tried calling and speaking with a customer service supervisor to see if there was any way to find out more information regarding the transaction but was told unfortunately I would have to call the claims department to speak with them even though I explained the issue. I have no way of resolving the issue with the company who charged my card because in order to speak with a representative I would need a ticket or reservation number, both of which I do not have because I never made this purchase. Please contact me to help? Thank you in advance.
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A credit card was opened at chase bank. It has been opened fraudulently .There are over {$3000.00} in charges that I never applied for. I have contacted Chase and they have not responded to correcting my credit report
Company Response:
State: CA
Zip: 91307
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
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 XX/XX/2022, a fraudulent charge appeared on my bill. The description on the statement was listed as " XXXXXXXX XXXX for the amount of {$120.00}. When I received the statement, Chase bank was notified of the fraudulent charge and it was removed from the bill. However, the following statement period, the charge was added again to the bill. After many communications with Chase bank, they have not removed this fraudulent charge from the account. The last communication was in XXXX and the representative said they will review the charges again and send a letter with their decision. They have failed to follow up on this and did not send a letter. To detail the fraudulent charge, I was on vacation in XXXX and made several purchases in purchase amounts all less than {$43.00}. So I am sure I did not make this purchase of almost {$130.00}. I do not recognize the merchant indicated as " XXXX '' either, and did not visit a bar while shopping in XXXX. This charge is fraudulent and I would like it removed from the bill.
Company Response:
State: TX
Zip: 78660
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: on XX/XX/XXXX a check that I wrote to a vendor was cashed by someone other than the intended payee. I found out that the vendor had not received payment and they told me they did not cash the check. I initiated a claim with my bank on XX/XX/XXXX and both the intended recipient and me filled out affidavits regarding the situation. My bank is telling me they will close the case without me getting reimbursed if they don't have a resolution from the bank that cashed the check within 90 days ( I received this letter today, XX/XX/XXXX. At this point 138 days have passed from when I filed the claim. My bank is Chase and I have not been told who the other bank is. The check was for {$2400.00}. I don't see how this can be my problem when the bank is supposed to verify ID. I have followed up with my bank at least 10 times and have gotten no satidfaction.
Company Response:
State: CA
Zip: 95060
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
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 booked a round trip flight for XXXX passengers traveling from XXXX to XXXX, XXXX XXXX XXXX XXXX through XXXX on XX/XX/ XXXX at {$1300.00} /each ticket ; Their representative, XXXX, from XXXX mistakenly created 2 different trip numbers for the same trip as the following : 1 ). XXXX trip # XXXX ( with XXXX XXXX : XXXX ) and 2 ). XXXX trip # : XXXX ( with record locator : XXXX ), this caused double charge/duplicate charge ; On XXXX XXXX, XXXX my credit card was charged at price of {$1300.00} x XXXX = XXXX and simultaneously XXXX charged me 3 times of $ XXXX ticket on the same day. We have tried many times to contact XXXX and request refund for duplicate charges without success ; then we started dispute process with Chase since XXXX multiple times with only being able to get refund for one ticket ( {$1300.00} ), the other unauthorized charge of 2 tickets price ( $ XXXX ) were never refunded, we completely disagree with Chase 's final decisions form their investigation/correpondences with XXXX as XXXX provided many false information, it is very unfortunate that my credit company, Chase did not stand with their customers ' right as they claimed in their official documents/terms. Therefore now I am desperately seeking help from CFPB. Your help would be greatly appreciated, this dispute process has been an ongoing disaster since last XXXX.
Company Response:
State: IL
Zip: 60564
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023, my debit card as well as several other items were stolen from my vehicle. Two unauthorized transactions were made on the same day, one for {$32.00} at XXXX in XXXX XXXX, CA and a second charge for {$15.00} at XXXX. Chase bank was called on the same day to dispute these charges and report that my card was stolen from my vehicle. In addition, I have filed a police report with XXXX XXXX Police Department report ( # XXXX ). Chase bank had issued me a new debit card and temporarily recredited my account for these transactions while this claim was being investigated. Today, XX/XX/XXXX, I noticed that chase bank reversed this claim and took the funds out of my account for those transactions that I DID NOT MAKE. I called the chase and asked why this had happened when I am not the one who made these transactions and they stated that my statements were inconsistent with the claim I had made and that there were no pin attempts made. I let them know it is possible that they can still run the debit card without using a pin number and they are aware that the suspects attempted to take out money from my account at a chase branch but were unsuccessful. When I asked Chase bank for documentation that they relied on and the proof they found showing that my statement was inconsistent they were unable to provide me with anything. I am being charged for a transaction that I did not make and this violates the Electronic Funds Transfer Act and is violating consumer protection laws and rights. I have been a loyal customer to chase for several years and this is extremely upsetting. What is the point of reporting a card stolen and disputing charges if they are going to falsely accuse you of making these transactions?! XXXX with Chase advised me there was nothing that can be done and that this decision was final. Why should I have to pay for these transactions that I did not make!!
Company Response:
State: CA
Zip: 93635
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX/XXXXXXXX my debit card was stolen after a visit to XXXX XXXX XXXX for a birthday party. The next day, I left town for a birthday trip for my daughter. Upon coming home, I couldnt find my card and logged in to see it was being used all around the area. I promptly locked it and called Chase to report the card stolen and the unauthorized charges. We went charge by charge and I did not dispute the charges that were automatic like my apple account charges. Those are legitimately mine. After some time, my account was debited for the unauthorized charges and my claim denied. I called promptly and was told they couldnt reopen it and they had information that apparently led them to decide these were my charges. After some hassle, an account executive took the call and discovered the charges that we didnt not dispute were incorrectly marked as card present. She resubmitted but it was denied again. I find this ludicrous and I have proof that I wasnt in the area at the time nor was my card ever back in my possession.
Company Response:
State: MI
Zip: 48237
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A