Date Received: 2023-02-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX and JPMCB has violated my rights. 15 USC 1681 Section 602 States that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also stated that a consumer reporting agency can not furnish an account without my written instructions. 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.
Company Response:
State: NY
Zip: 10027
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I have a checking and a saving account with Chase Bank.I have those account for a very long time over 30 years. Suddenly chase is charging my saving account a fee of 5.00 every month. I don't understand why. I use my account to pay all my bills and I try to maintain some fund in my account but chase keep charging me the XXXX fee. I can not afford to be charged unnecessary charges. On XX/XX/XXXX, XXXX was debited from my saving. On XX/XX/XXXX, XXXX was debited from my savings. I would like chasse to credit my account back for all the necessary charges.
Company Response:
State: NY
Zip: 11369
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I was charged insufficient funds fees after I tried to follow the companys policy and made deposits to cover my charges by or before the deadline provided. According to their overdraft policy you have until the next following business day to avoid an overdraft fee as long as your negative balance is under {$50.00}. On XX/XX/23 there was a charge for {$75.00} that posted to my account. I asked for a loan in order to deposit enough funds to cover the {$75.00} the following business day. Got charged {$34.00} overdraft fee on the XXXX anyways, because that day I had other 2 transactions thats posted to my account even though I was under the impression I had until the next business day to make a deposit and cover those 2 transactions. However, since I had been charged the overdraft fee on the XXXX for the one transaction on the XXXX, I gave up. I did not attempt to get another loan to cover the other 2 transactions that posted on the XXXX and got charged another 2 overdraft fees for those as well. Im extremely overextended literally robing XXXX to pay XXXX and these overdraft fees and confusing policy definitely do not help.
Company Response:
State: AZ
Zip: 85042
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I have a Chase Sapphire Reserve credit card ( Chase Card Account Number : XXXX XXXX XXXX XXXX ) and it comes with travel insurance on purchase made through the card XXXX including trough Chase points redeemed through the card. I had a trip that was canceled due to COVID, which was an insured scenario. The Chase travel insurance approved the claim but did not pay the full claim. The claim was for two items : 1. XXXX XXXXXXXX XXXX on XXXX for {$100.00} 2. XXXX XXXX on XXXX for {$100.00} So the total should be {$100.00} + {$100.00} = {$210.00}. The Chase Sapphire Reserve insurance sent me check number XXXX dated XX/XX/XXXX for {$100.00}, but they continue to not pay the other {$100.00} that had the exact same cancelation and that has the same Chase Travel supplier. The Travel Insurance Claim Number is XXXX through their XXXX system. I filed that claim on XX/XX/XXXX. I provided the requested " No Refund Policies and Cancellations '' document on XX/XX/XXXX. The Chase Travel Insurance then asked again for the refund policy and I provided it again on XX/XX/XXXX. The Chase Travel Insurance claims called me on XX/XX/XXXX saying they are still trying to confirm that I won't be getting a refund from the travel provider. I explained to the nice customer service representative that I have provided the refund policy twice now, and that the purchase was through Chase and I talked with Chase to get the refund policy, which I most recently submitted again on XX/XX/XXXX, and that there is no more refund policy that I can get. They said they would see if they can check with a manager. Six days later ( as of XX/XX/XXXX ) I have heard nothing. It is now 2 months since I have initially filed this claim, the claim was clearly approved because I got a check for partial payment, but I don't know why Chase refuses to pay out the remaining {$100.00} for this claim. It appears to me that Chase Travel Insurance wants to create so much friction for consumers that the consumer will just give up and not complain about the Chase Sapphire Reserve card not really paying the travel insurance benefit. It's pretty disappointing considering the Chase Sapphire Reserve card has a {$550.00} annual fee. It feels fraudulent that they would charge so much for benefits and yet make it almost impossible to use the benefits. I am a life-long Chase customer and I've never seen this kind of hassle using their products, so it has been a surprise. I feel like there's no other recourse than to open a CFPB complaint so that regulators can see that there are multiple people having trouble with this.
Company Response:
State: TX
Zip: 78717
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: Commencing on or about XX/XX/XXXX XXXX my bank account was hacked by an unknown scammer, after that I got disturbing messages saying that I have a new bank account balance with more money on it. When I went to withdraw the money I found out that I withdraw my own money there was no additional money. Scammers told me that I have to act quickly and withdraw the money. A number was then displayed on the screen of someone who could help me. I then contacted the number, and the person on the other end disguised themselves as a representative for XXXX and told me that I was hacked. I spoke with an individual, named XXXX XXXX, who manipulated and brainwashed me into believing that this was real. They used advanced technical language to confuse me and convince me that they were professionals so that when they told me that I needed to make payments to them on XXXX ATMs to stop the scammers from stealing more of my money, I believed them. I made multiple withdrawals, thinking I am withdrawing money someone added to my bank account, totaling around XXXX USD that I paid to the Scammers at the end from my JPMC account.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/2023 I went to deposit my company deposit and the atm ate my money XXXX dollars they said keep the repo slip to let Chase know so thats what I did I googled what to do cause chase was closed due to XXXX XXXX thats the companies partial payroll and its due tomorrow to my boss I dont like carrying that much money around do I put it in my account and I wound up getting robbed by the atm I need help I dont know what to do chase is closed and my payroll is due tomorrow I had to handle all affairs while my boss is on a business trip my boss is going to fire me please help me asap
Company Response:
State: NY
Zip: 10473
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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 d purpose.
Company Response:
State: SC
Zip: 29212
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
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: For XX/XX/2022, we had a hotel booked in FL for the family using the credit card with the bank. When we landed up at the hotel at around XXXXXXXX XXXX the room that was given to us was full of bed bugs and roaches and spider webs. We immediately complained to the front desk and informed them of the situation and they said pest control will fix it the next morning and the hole family was too tired as we were visiting FL from CA after a very long journey and we had small kids too. Next day morning, we went for vacationing leaving the stuff behind in the room and when we came back, the pest control was still not done and we requested for a new room which was given to us but again, the same issue was there at which point the next morning we decided to immediately check-out and leave for another hotel. We did filed a complaint against the hotel and the state health inspector confirmed our findings the next day. we sent lot of emails to the hotel manager but no response was given. Finally, we contacted Chase Bank to raise a dispute on XX/XX/2022. Chase bank had an option to open the dispute which was " I am dis-satisifed with the services given to me '' and I selected that option and was told to contact customer care which I did on the same day and I had an argument with the customer rep as she was adamant that I used the service and hence no disputes and no credit. i kept on telling her how will I prove my dis-satisfaction if i will not use the services but she kept on saying that I used the service and hence no disputes. The bank 's option to open a dispute using the option " I am dis-satisifed with the services '' is mis-leading as customer care rep do not allow us to raise a dispute using this option at all and keep on insisting that since we used the services, bank will not help. After a lot of argument, the bank opened u pa dispute against the hotel and asked me to submit the pics which I sent and explained them thrice over the call what happened and how my family suffered but to no effect. The bank still considered it as a billing error and closed the complaint in merchant 's favor citing no billing issues. Question : - a ) How should I explain the bank that I never said it was a billing error and I always kept on saying that the services that were given to me were not upto the mark and not expected. b ) How am I expected to know before hand that the hotel was ok to stay without actually visiting and staying there and later on, when I suffered, neither the hotel, nor the bank helped. c ) Why the bank is displaying the option of dispute as " I am not satisfied with the services '' when they dont even take into account the word " satisfaction '' and just considers whether the services were offered or not?
Company Response:
State: CA
Zip: 95330
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XXXX XXXXXXXX XXXX, 2023 my Chase account showed suspicious activity of someone using my XXXX account. At this time a {$390.00} transaction was pending to someone I never heard of. I immediately contacted my bank and filed a complaint. They stated at that time it would be taken care of. On XXXX XXXXXXXX XXXX, 2023 my account showed it was no longer pending but had gone through and the money was taken out of my account. I once again contacted Chase and they stated it takes 2-5 business days for them to clear it up. I do have a reference # for this claim if needed. On XXXX XXXX XXXX, 2023 I received an alert from Chase stating they would not refund my money that there was no suspicious activity seen in my account. I once again contacted them stating I would be changing banks if they didn't get this cleared up. They stated the only other thing to do was to contact XXXX. Which I did, to no avail. They sent me right back to Chase stating they needed to deal with it. I feel the fair resolution is for Chase to reimburse my account the {$390.00}. Especially since I caught it while pending. Respectfully, XXXX XXXX.
Company Response:
State: IN
Zip: 46151
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened my account with them on XX/XX/XXXX and on XX/XX/XXXX they decided they were going to close my account. They would not give me a reason why they were closing it but left it open for almost a month before they decided to close it and it just happened to be around the time I started using the account to pay my bills. I have had two direct deposits into this account in the amount of {$600.00} a piece so two of them would equal {$1200.00}. I also deposited {$5.00} additional to open the account so they have {$1200.00} of my money -1 bill I paid {$110.00} for my license plate renewal and {$250.00} for the second bill for my car insurance. So that leaves XXXX of my money they still have ( if they paid for those two transactions ) and they will not release it. My credit score for XXXX is XXXX and each one of the three credit reporting bureaus have me listed at XXXX, plus I have two credit cards through XXXX XXXX. So I don't believe my credit is the issue. All I know is that I no longer have access to the account online or in a bank they have got it blocked so I can't see anything that is going on with it. So if I do have fraud on it for some reason I wouldn't know it. They sent me an automated email yesterday stating we posted a new notice or letter in your Chase mobile app and at the chase.com/statements here 's what it's about to protect against potential fraud we restricted your account and may close it soon. So I called them after I was unable to access anything in the Chase Mobile account so I don't know how I was supposed to read the letter they sent me and they informed me that they are closing my account. If they are going to close my account without giving me a reason ( which is fine ) I want my money back now!! That's a lot of money for them to be hanging on to when they plan on closing my account!! The point is they are holding my money and I don't have access to it and need to pay my bills
Company Response:
State: OH
Zip: 43055
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A