Date Received: 2023-02-18
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I contacted case bank in regards to my credit card, I was tied up in union dispute over my employment at the united states postal service. I was a federal employee which means I was entitled to no unemployment benefits. My income went for XXXX to XXXX While attending to this matter. I was supposed to have been covered for this type of event but when I asked them about how much of my debt would be covered/how long ( this could take months has been know to take up to 1 year ) no one could give me an answer as to how to even file the claim! I continued to be harassed multiple times per day even on the weekends while at a very low point in my life until they sent me to collections. My credit is ruined and I paid money to protect myself against things of this nature. I am starting to feel as if they are ruining a big scam. Charging people a fee every month for insurance they don't actually have. I got the exact same I don't know response from XXXX XXXXXXXX. I chose these cards because I knew I had a high risk job. We are unionized and have superior officers that will sometimes ask their supervisors to break contract for the best interest of the service and though necessary, that can sometimes result in grievances that can lead to supervisor " reduction in force '' then when we have no where within a 50 miles radius to go, we lose our job. I just thought at least responsible financial planning could have kept me afloat but I got scammed. .
Company Response:
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX my account was charged {$9800.00} in payment of a check that was orignally written by me for {$12.00} but stolen from a Postal Service collection box. It was altered to change the amount and the payee. I originally notified Chase Bank of the fraudulent check on XX/XX/XXXX and filed a claim on XX/XX/XXXX at my local branch bank. In the following months during repeated calls to the Chase check fraud department I was told my claim was in process. Then on XX/XX/XXXX ( four months after my original filing ) I was told that nothing had been done on my claim because the wrong form had been used! I subsequently completed and faxed a new form on XX/XX/XXXX ( fax confirmation attached ), and again on XX/XX/XXXX ( confirmation attached ) and finally a XXXX time on XX/XX/XXXX ( confirmation attached ). After all these filings and numerous phone calls to the bank 's claim department and being repeatedly told my claim was in process I kept getting letters telling me that they needed more information and askimg me to complete and submit the same clairm form ( " Declaration of Unauthorized Endorsement or Altered Item '' ) that I had submitted months before. Still no progress has apparently been made on my claim. I am more than frustrated and fed up with Chase Bank 's complete failure to process my claim in a timely manner and repeatedly giving me false information and asking me to resubmit my claim. At thtis point I am tired of playing their games and just want my money back!
Company Response:
State: TX
Zip: 77450
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I sent a letter to Chase Credit Card XXXX XXXX XXXX ) on XX/XX/2023 to report and provide the necessary information to have my account correctly updated ; which was ONLY a name change. I provided a copy of my Court Decree Name Change, my Marriage License, my new name change Social Security card, my new Driver 's License and also a Social Security Verification form that was sent by Chase and returned with the listed information above. This form letter also was sent to several other credit card companies, the 3 major Credit Bureaus - XXXX and to the Consumer Financial Protection Bureau XXXX ( CFPB should have a copy of that letter in my file verifying this information. ) The ONLY companies to complete this change CORRECTLY was XXXX XXXX and XXXX... everyone else either, ignored this information sent or ONLY changed my last name to XXXX and left my old first name to XXXX. When paying my bills on line XXXX XX/XX/2023, I discovered that my Chase credit card had been closed. I have never received an explanation in the mail or by phone ... and when I contacted Chase on XX/XX/XXXX and XXXX, after talking to 2 customer service representatives and to 2 " so-called '' supervisors ; NO ONE could explain the closing of my account other than " Bank Policy ''?!?! I have been a customer of Chase for 20 years and have had this credit card for 12 years ... NEVER a day late and balance was ALWAYS paid in full each month. There has definitely been an erroneous mistake regarding my account, and this is why I am requesting an appeal. This credit card is extremely important to me because it is linked to several other accounts : XXXX, XXXX, XXXX, and auto pays. This closure resulted in a negative impact on my credit score ; in which, I take great pride in establishing and maintaining a credit score of 800+. ( Credit utilization rate and length of credit history are both important factors to me. ) On XX/XX/2023, I received in the mail another Social Security Verification form that I completed and mailed back to Chase ; in addition, I called and gave the information over the phone to a customer service representative. ( He informed that I did not have to mail this 2nd form back, since he recorded the information on my file. I sent it back in the return envelope that was provided anyway. )
Company Response:
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: On 9 different occasions starting from XXXX to XXXX, I sent money to my son via XXXX and our Chase bank accounts ranging from {$45.00} to {$580.00} totaling {$1400.00}. All these transactions were sent using my son 's email address with no errors in the spelling. After a conversation with my son on XX/XX/XXXX, we both realized that he had not received any of these payments. I immediately went with my son to our financial institution ( Chase ) and reported the issue. They were able to see that the email address was correct but that none of the transactions went to my son 's account. A query was made to the complaint department to see if we could get our money back as it was seen by them that it went to another Chase account in error. After a few days, I received a phone call and a letter stating that I could not receive the money back. I went back to Chase on XX/XX/XXXX who pushed this issue up to a " corporate '' level complaint as it was clearly evident that it was not my fault. Once again, after a few days, I received a phone call stating that there was nothing they can do to help me. We were told by Chase the name of the person that it incorrectly went to along with the last 4 digits of the account number as it was also a Chase account customer and they still wouldn't credit my money.
Company Response:
State: NY
Zip: 106XX
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XXXX unauthorized transactions have been made on my Chase debit card totaling more than {$1500.00} resulting in my account being overdrawn and my cards having to be cancelled. First unauthorized transaction on XXXX XXXX for {$1300.00} at a XXXX grocery store in XXXX Georgia and then on XX/XX/2023 for {$200.00} at another XXXX grocery store in XXXX Georgia.This is really hurtful and traumatizing. I have bills I have pay and a family all I can do is breakdown and cry because my family is suffering because of this. I talked to a representative of Chase Bank and was told this would be quickly resolved.
Company Response:
State: GA
Zip: 30345
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I purchased multiple items on a site called XXXX for the first time back in XXXX for a total of {$500.00}. Its a company in XXXX XXXX and I ordered XXXX shipping and it was suppose to arrive in a few days. It took up to two weeks for the package to finally be in my city. I waited and waited and then the day it was suppose to arrive I never received what I was suppose to get. ALL MY ITEMS IN THAT BOX WAS GONE. I contacted the merchant to see what's up and one of you guys clearly stated " to wait because the status can be marked as delivered when it wasn't '' | was told to wait and it's been days after and I still didn't get my package. I CONTACTED MULTIPLE TIMES EVER SINCE THIS INCIDENT AND NO ONE HELPED ME. Their automated system clearly told me if I didnt receive my item please contact your bank or carrier which is what I did as shown in one of the pictures I provided. I eventually filed a dispute with my Chase and a police report to get backup. I've been in contact with XXXX and law enforcement for the past 2 months. XXXX told me the package was either lost or stolen. I don't know who to believe but law enforcement are still investigating it because there was so much valuable items in that one box and it's all gone. I emailed them constantly and none of my emails went through for the past 2 months and it's frustrating that I have to keep contacting to keep a resolution. Then all of a sudden Chase resulted the claim in their favor because the purchase was authorized I CLEARLY TOLD CHASE IT WAS AUTHORIZED AND NOT FRAUDULENT. I JUST DIDNT RECEIVE THE SERVICE I ORDERED FROM THIS SCAM COMPANY CALLED XXXX. A representative named XXXX at the Chase Claims Department put my claim in the wrong category. She put my claim as a unauthorized transaction when it was authorized I just never received the service I paid for which was the whole point in the first place. I ordered shoes from this same company around the same time too and they never shipped it out and its been two months. it's killing me that i don't have my items and a case was closed in the favor of a website that is sketchy. I dont want to pay back money for a service i never got. I have all evidence of everything. I have the police report and everything. My chase account email is XXXX. Im just hoping anyone and I mean anyone that can please reach out to me as soon as possible and help me appeal the claim or do something because it was closed in their favor. Thank you.
Company Response:
State: NY
Zip: 10467
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
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: During travels in the country of XXXX, a charge in the amount of XXXX was applied to my Chase credit card by a company listed as XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. It is a fraudulent transaction that I never authorized, approved or signed for. In addition, I have never done business with this particular merchant. Upon return to the country, I immediately disputed this charge on my statement to Chase on XX/XX/XXXX. I did not receive a response from Chase regarding this dispute until XX/XX/XXXX when they notified me, in written notice, that they were denying my claim. Upon subsequent phone calls to the fraud dept. of Chase, I provided proof of my location ( as requested ) on that date of XX/XX/XXXX and that I could not have made this purchase. All to no avail, as Chase has rejected this evidence that I have provided to the contrary and any attempt at a resolution in my favor. I have other documents and statements pertaining to this time period and dispute, available upon request.
Company Response:
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-19
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I initiated a balance transfer to receive 0 % interest on a large balance that XXXX of my authorized users racked up. I pay all of my bills in full monthly, but once I saw that he no longer could, I moved the balance to this card. I understood this balance transfer to be separate from my other charges, which I pay in full every month prior to the transfer and did so once the balance was transferred. Unbeknownst to me, because I had transferred a balance to this card, and was still having other charges, the promotional apr of 0 % was nullified and then I got interest charges. I called asking why and they reversed the charge. I called again asking how much I need to pay to avoid any future interest charge, thinking it came because of the transfer fee and they said I have to pay in full now since I had purchases. Huh??? I never heard of this in my life. If the transferred balance is 0 % until XXXX, why is it now due in full because I made a purchase? I assumed that my transferred balance was separate from any new charges as those were eligible for interest if not paid in full, however since I always pay them in full, why did it nullify the balance transfer terms. The call was so frustrating. The XXXX rep continued to say I missed a payment when I had a XXXX balance in XX/XX/XXXX. After finally getting her to understand I had no balance, she then transferred me to someone who told me I will get charged for interest as long as the card is being used. I would have never accepted this offer if I knew that. I think it's crazy that the promotional balance is mixed in with the standard purchases. They basically sucked me in to bring over a high balance to then nickel and dime me on my regular purchases.
Company Response:
State: LA
Zip: 70461
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Since I got this mortgage with chase, they report it to the credit agencies as revolving debt, like a credit card. They also tell me that I am not paying the principal amount fast enough since the first month of the loan, even though I pay exactly what my mortgage bill says to pay. I have a letter from Chase stating debt is reported as a mortgage but on my chase app it says just the opposite. Because of this I have lost XXXX points in my credit score even though my record now is better than it was before I got this mortgage. My car loan is reported the same way, with revolving debt and not as a collateralized loan. Nobody at chase I've talked to can answer any of these questions.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: I have already filled out the report on a previous report to this XXXX and it clicked me out that I did not want to be identified as filing the report. It was a mistake and I am XXXX XXXX and want this report to be tied to the previous report to this one. It happened in XXXX XXXX Texas with the XXXX XXXX XXXX XXXX transfer of money thru the Chase account and thought Chase was notified they would not stop the money within only hours of the original transfer of money. This report should be connected to the previous report I have already sent by hitting the incorrect key.
Company Response:
State: TX
Zip: 76904
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A