Date Received: 2023-02-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/2023 Total amount is {$2700.00} There have four transactions that I didn't authorize. Two were from XXXX and two were from XXXXXXXX XXXX Later, I found someone using my debit card to withdraw money at ATM, which was also unauthorized. The first time, I dispute these transactions. And they give me the credit. But later, they told me they can't do it and then take the credit back. Thus, I called chase bank again, and an agent suggested that she can help me to withdraw my complaint and refiled it again. But the thing is, they didn't investigate and directly reject my complaint. The third time, customer service told me they can't do anything because of my duplicate file. Let me think of other options. But the thing is, I just do what the customer service suggests. In the end, they didn't solve these unauthorized transactions and leave me away. So, I come here to ask for help. Thanks!
Company Response:
State: CA
Zip: 95035
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On the last week of XX/XX/XXXX I opened a XXXX credit card with chase bank because they offered a promotion of XXXX dollars statement credit if I spent XXXX on the first two months. So I did use the credit card to pay for some XXXX tickets on XX/XX/XXXX they charged {$49.00} as credit card fee. I paid XXXX dollars for the tickets plus XXXX on a different transaction to complete the XXXX dollars requirement and as of today XX/XX/XXXX they havent applied the credit they promised on their ad and every time I called they said they will check and have me call back even when their agents confirm that I should get the credit. Last month I paid whatever amount I owed besides those XXXX dollars credit to avoid paying interest on it but they will keep charging interest. I feel like I was deceived by Chase Bank because I didnt need nor want their credit card and the only reason I got it was because I thought I would save some money by doing it but in the end is costing me more on interest and by the time they decide to apply the credit they promised if they do it I probably would not have saved any money anything at all and may be pay more than if I had paid with my other credit card. Not to mention that now Im stuck with a really high interest credit card
Company Response:
State: CA
Zip: 91792
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2023 around XXXX, I walked into XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX and initiated a wire transfer in the amount of {$24000.00}. I am an account holder at XXXXXXXX XXXX The wire transfer was to a Chase Bank Checking account. I was told that because I was initiating the wire early in the day that it would be received the same day by the beneficiary. The wire was never received that day so I called XXXX XXXX XXXX XXXX XXXX and spoke with the teller XXXX that initiated the wire. We went over the account numbers and confirmed that all the information was correct. The teller XXXX promised to call me back after she did more research. About 30 mins later she called me back and confirmed that the wire was sent and that she had a Federal Reference Number relating to the wire transaction. She gave me the Federal Reference Number and I gave it to the the beneficiary. The beneficiary called his bank the same day while I was present, and spoke to a banker by the name of XXXX XXXX from the Chase Bank XXXX XXXX Location. He told her the situation and gave her the Federal Reference Number and she placed him on a brief hold. When she returned to the phone, she told him that no wire has been received and they have no record of a wire being sent to them and that we should follow up with the sending bank. I couldnt understand this at all and this is the basis of my complaint. Somehow the wire I sent is missing and I dont understand how {$24000.00} just comes up missing when I have proof that I sent the wire and all the details were correct. The {$24000.00} has been debited from my account and now I am out of {$24000.00}, and the money has not been received by the beneficiary. On XX/XX/XXXX the beneficiary still had not received the wire so I called XXXX XXXXXXXX XXXX XXXX XXXXXXXX and requested a wire recall which they did not allow me to do because they said the money was received by Chase Bank which Chase Bank is saying it has not been received. I am asking that my {$24000.00} be returned to the beneficiary or to my bank account. The Federal Reference Number is listed below and the wire transfer receipt is attached as well.
Company Response:
State: IL
Zip: 611XX
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I applied for an XXXX XXXX XXXX XXXX XXXX card a few months ago because the offer was 0 % interest for the first 12 months. I noticed today that I have been being charged interest ever since the card was activated and first purchase made. I called CHASE Bank to inquire as to why, they transferred me to XXXX XXXX XXXX, who confirmed that the XXXX XXXX XXXX XXXX XXXX card DOES come with the 0 % interest for the first 12 months and told me to contact the bank. I told her ( XXXX ) I already did and they transferred me to her. She put me on hold and transferred me to CHASE anyway. CHASE then proceded to tell me that is not true. I wanted to speak to a supervisor. A supervisor got on the call, and was immediately defensive and did not acknowledge that I had JUST been transfered from XXXX who told me this card does carry that 0 % interest for the first 12 months offer. He told me it does not and proceded to berate me. I used fowl language because I was tired of the run around and no one bothered to help me. I told CHASE and XXXX this was a deceiptful practice and that I was going to file a complaint.
Company Response:
State: UT
Zip: 84010
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Money was not available when promised
Subissue:
Consumer Complaint: On XX/XX/XXXX I initiated the transfer of {$3000.00} from my Chase Bank checking account to my XXXX checking account, through the " Real-time '' delivery method. I have used this mechanism for transferring in the past ( for at least 2 years ) between the same 2 accounts. Transfer was not completed by XX/XX/XXXX, I called customer service from Chase bank, and they said I need to wait another day before they can start reviewing the possible issue. On XX/XX/XXXX, the transfer was not completed yet. I called Chase Customer Service, and spoke with several people from multiple departments, including Claims Department, Online Claims Department, Electronic Money Movement Dept, etc. One representative ( I believe from Online claims Dept ) finally acknowledged there was an issue with transfers between Chase Bank and XXXX due to an internal technical issue, and they were working to resolved it. Claim # XXXX was filled. I spoke with a supervisor ( I believe his name was XXXX XXXX, and he assured my the transfer was going to be completed by XX/XX/XXXX, after an additional XXXX business days. On XX/XX/XXXX I received a written communication from Chase regarding my claim stating : " We found that the transaction ( s ) was processed according to the information you provided or was authorized. ", however the funds transfer was not completed. I have called XXXX, and they informed me there are no funds being transferred to my account from Chase, and they dont have any information of a transfer. On XX/XX/XXXX the transfer was not completed. I called again Chase Bank, and spoke with Online Claims Dept. The representative ( I believe his name was XXXX XXXX, confirmed there is still a technical issue for transfers from Chase on that date ( XX/XX/XXXX ), and that there are multiple customers impacted. However there is no estimate date to resolved it. I demanded my money to be credited back to my Chase account until they resolve the issue, but the representative said he couldn't approve it. I spoke with his supervisor ( XXXX XXXX and he said they could not credit back my money, and I'll have to wait until they resolve the technical issue, but he doesnt know if it would take days, weeks, months or years. He suggested to call the Chase Executive office. On XX/XX/XXXX I called the Chase Executive Office, explained the case, and filed another case # XXXX. Today is XX/XX/XXXX, I haven't heard back from the Executive office or any of the Departments of Chase bank. My money has been debited from my Chase account ( {$3000.00} ), and not credited to my XXXX account, which is causing me to be late in payments, for which I'll require to pay late fees. This is unacceptable! I demand my money to be credited back to any of my accounts immediately, while they fix their technical issue ( which is not my fault ).
Company Response:
State: CA
Zip: 95123
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
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/XXXX, I paid in full my statement balance of {$36.00} and then called Chase Customer Service Representative ( CSR ) to close my account. This closed account in XX/XX/XXXX was verified by XXXX credit report. XXXX months later, In XX/XX/XXXX, my already CLOSED Chase credit card account was charged with {$110.00} for XXXX XXXX XXXX XXXX XXXX that I did NOT purchase. Chase processed the {$110.00} to my already closed account. My husband who is an XXXX XXXX XXXX asked me to apply for XXXX XXXX XXXX XXXX account as it gives better benefits and services to XXXX XXXX and their dependents. As soon as I closed my Chase credit card account, I placed the Chase credit card in our shredder and got it shredded. Please be advised that the Chase representative confirmed my account has XXXX balance and has been closed. Again, this was documented in XXXX credit history. I believe that I am a victim of fraud in this situation and I am not sure and confused as to why Chase processed this fraudulent charge. Then, In XX/XX/XXXX, after the account closure for over two years, I was shocked to receive a collection letter from the XXXX XXXX. I spoke to many Chase CSRs ( ID # XXXX : XXXX, XXXX, XXXX, XXXX, and XXXX but they all failed to help me. CSR ID # XXXX divulged the charge was made in XX/XX/XXXX and provided me with the merchant name and telephone number. To my due diligence, I called the number XXXX provided by the Chase CSR, which was XXXX XXXX XXXX XXXX XXXX. I spoke to an XXXX XXXX XXXX XXXX XXXX representative named XXXX and her investigation revealed there was no record of the charge in XXXX XXXX XXXX XXXX XXXX. Additionally, I also filed a complaint to Federal Trade Commission XXXX with report # XXXX. There was no way for me to dispute the fraudulent charge then as it happened since I learned this fraudulent charge two ( 2 ) years passed after I received the collection letter. Chase did not provide me any statement/s ( they have my physical address ) so I am not sure how Chase expected me to know about the charge I did not make. I never visited the online site XX/XX/XXXX, the official closure of my account ( reflected in my XXXX report ). I really do appreciate your time and please give me guidance on how to proceed with this fraudulent charge. XXXX XXXX
Company Response:
State: VA
Zip: 23503
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I reached out to Chase Bank about their actions of sharing my non public personal information with others is a inconvenience and has hindered me from obtaining more credit. I sent an letter to Chase Bank about their actions and no change of actions have occurred.
Company Response:
State: GA
Zip: 30311
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: we send out 3 checks to a vendor which was cashed thru somebody different than the vendor it was cashed by XXXX XXXX XXXXXXXX which they admitted it was fraud it is 6 weeks and havent heard anything yet no money was send back to my account in chase
Company Response:
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I paid {$30.00} stop payment at Chase Bank for XXXX XXXX XXXX XXXX because I did not want to pay this debt because it violated the contract that I had with it. XXXX is the collection agency for Chase Bank which is the reason Chase did not follow though on the stop payment. Chase Bank charged me overdraft fees in the amount of {$360.00} I have contacted Chase Bank but the issue has not been resolved. My account is not accessible because I have a negative {$360.00} and Chase Bank want me to pay this amount to bring my account current. XXXX has stated it will continue to present a draft each month for {$230.00} to Chase Bank.
Company Response:
State: KS
Zip: 661XX
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Chase XXXX XXXXXXXX XXXX XXXX took money from my closed account before sending me a check for the remaining balance, resulting in me not getting all my funds back. XX/XX/XXXX - XXXX Remote Online Deposits were made with an amount of {$2800.00}, totaling a balance of {$2800.00} in my account. XX/XX/XXXX - XXXX XXXX - XXXX XXXX, removed- {$2300.00} leaving me with {$450.00} I believe Chase is definitely breaking the law here. Chase was supposed to mail me a check of {$2800.00} not {$450.00}
Company Response:
State: NY
Zip: 10454
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A