Date Received: 2023-02-14
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: From : XXXX XXXX Acct : To : Chase Card Services Dispute Division Dispute Resolution Vendor XXXX XXXX : {$1600.00} Dear Sirs : : I am writing in regards to the above referenced account and disputed charge, of which you have resolved in favor of the vendor based on a single document as opposed to the several pictures, documents and copies of email correspondence that I have provided to you. Below is a timeline of this order / dispute. XX/XX/XXXX - Order placed with XXXX for a 4 piece entertainment center consisting of 1-console, 1-left pier, 1 right pier and a bridge. Per their webpage shipment would be in 4 to 5 days. ( I provided you with a picture of what I was supposed to receive. ) XX/XX/XXXX - On or about this date I contacted XXXX because under order status it showed my order was in processing. They stated it had not shipped because they were waiting for shipping information from the manufacturer. ( I provided copies of emails to you ) XX/XX/XXXX - I contacted XXXX again about my order as it still showed in processing. They said it should ship soon. I then told them to cancel the order as it was not shipped as promised and which I am legally allowed to do under the BUSINESS PRACTICES AND CONSUMER PROTECTION ACT as I never accepted the late delivery date and the shipment was 30 days late. ( Agaan, copies of email correspondence was provided to you ) XX/XX/XXXX - XXXX says they can not cancel because amazingly now the order has shipped, but can not and does not provide any shipping details. I tell them repeatedly not to ship the items that I canceled the order. They ignore this request. 11/9 - Four crates arrive at my house when my wife and I are at work. My daughter=in-law signs for them, unaware that I was not accepting the shipment I open the crates to inspect them for damage and to photograph to insure that I would not be liable for damaged goods. Upon opening the crates I discovered that what was delivered was incomplete and wrong. I received 1 console, 2 right handed piers, NO bridge and a console I did NOT order. ( I provided pictures of what I received to you to compare with what I was supposed to receive. ) I then informed XXXX that the order was wrong and pursuant to their webpage that items may be returned within 30 days I wanted the items returned for a full refund. ( Again I provided copies of emails to you ) From that point on all I got was the run around and delays from XXXX even though I consistently stated the order was wrong and that I wanted a refund. At this point I then contacted Chase to dispute the charge. Here is how that has proceeded In the dispute I presented the information below and as detailed above Over the period of 3 months I have given you the following information. Pictures of what I received from XXXX A screenshot of what I was supposed to receive. A screenshot showing the promised delivery date for the item on their website. Which still states ships in 4 to 5 days. IEmails between myself and XXXX where they acknowledge that the order is late and the items shipped are incorrect. Yet despite all of this you deny my dispute because of a signed shipping document for 4 crates. The contents of which were not visible until they were unboxed. I guess I could order a bar of gold and if I sign for the package and its a bar of lead it would make no difference to you because I signed for it. Bottom line yes it was signed for. Was It what I ordered? NO. I am lost as to what part of that you do not understand.. Maybe it is the fact that everytime I email you you say you will respond in a few days and then I get the second lame email that says because of exceptional high volume it will take longer to respond. Or it might be that everytime I called and talked to a real person, they had not a clue as to what was going on. The last person I talked with told me to call the dispute number which I did. The person I talked with had not a clue and was no help at all. You should look into your customer service issues. Resubmitted complaint TWICE after advised to by Chase Customer service. Denied both times based on signed shipping document.. Also XXXX sent a {$7000.00} ( what they call refund ) ... That was not a refund but as they stated in their email to make up for the issues with the late delivery, I told them I would not accept this because I did not agree to it. When this {$70.00} charge appeared on my statement I called and told Chase I had not accepted it as it was NOT a refund and that they were to send it back. As of today you have NOT done that. So I will repeat myself like I have been doing forever. I DO NOT ACCEPT THE {$70.00} charge FROM XXXX AND YOU ARE TO SEND IT BACK. Hopefully you understand that. Bottom line is that I am or was a loyal customer with Chase for over 20 years. I paid my bills on time and was never late. Yet based on a single shipping document sent by the vendor and not on the pictures, e-mails and documents I have provided you have chosen to believe the vendor over me. I mean they actually ADMIT in their emails the order is WRONG. Attached is e-mail were vendor admits that order is late and wrong.
Company Response:
State: TX
Zip: 77657
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: XXXX has been a customer of Chase Paymentech since XX/XX/XXXX. We are a small restaurant that typically processes about $ XXXX a month in credit cards. Up until XX/XX/XXXX everything was fine. Credit Card payments were coming through on a timely basis. On XX/XX/XXXX I stopped receiving my batches. I called and was told that Chase had made a mistake and my account was on hold for seven business days until they could fix the problem. Seven days later, no deposits were coming through. I called again and they said they didnt know what the problem was but that it was on their end and it would take another seven days for the account to be reactivated. At that time {$32000.00} in deposits was missing from my account. Below are the amounts. XX/XX/XXXX {$1700.00} XX/XX/XXXX {$6700.00} XX/XX/XXXX {$6700.00} XX/XX/XXXX {$2100.00} XX/XX/XXXX {$2800.00} XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1700.00} XX/XX/XXXX {$3600.00} XX/XX/XXXX {$700.00} XX/XX/XXXX {$1800.00} XX/XX/XXXX {$1100.00} XX/XX/XXXX {$420.00} XX/XX/XXXX {$1000.00} Finally, on XX/XX/XXXX I received a {$12000.00} deposit. {$19000.00} was missing. When I called again I was told that they Chase had not taken out their fee from three months previous. To this date Chase refuses to XXXX admit wrong doing. XXXX. Give evidence that I actually owe that amount. XXXX. Refuses to workout an amicable solution. During this time I suffered financially. This is a small mom & pop restaurant that only keeps $ XXXX of operation capital on hand. {$32.00} XXXX dollars being withheld for Chase 's mistake caused me to get behind on rent, XXXX XXXX XXXX bills, food purveyors etc. This was unprofessional and unacceptable business practice on Chase 's part.
Company Response:
State: CA
Zip: 955XX
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: My checking accounts were closed without giving me justifiable cause and they don't want to open personal checking accounts for me and they also don't want to open business accounts for me and I have an employer identification number ( EIN ) that the IRS assigned to me, preventing me from starting to operate with my business which contributes or is a cause of recession, if I can not have a checking account they are preventing me from meeting my financial obligations and paying my debts.
Company Response:
State: FL
Zip: 33135
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I received two postcard notifications in mid XXXX from the " XXXX XXXX XXXX XXXX XXXX XXXX Settlement Administrators office informing me that a check representing a settlement award was mailed to me on XX/XX/XXXX and remains uncashed. In no way did I receive any such check/settlement awards. The notification also went on to say that if said checks was not deposited by XX/XX/XXXX, that the check ( s ) will become void and the checking account will be closed. I immediately called, emailed and wrote the Settlement Administrator numerous times before the mentioned deadline dates, with no success nor responses.
Company Response:
State: CA
Zip: 91739
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: Fraudulent wire transfer initiated by unauthorized access at my Chase Checking Account for the amount of {$7600.00} USD in multiple wire transfers on XX/XX/2023. Sending wire transfers from my account at JP Morgan Chase NA to a XXXX XXXX in XXXX, XXXX. Unauthorized access by obtaining access to the bank checking account and initiating the illegal international wire transfers.
Company Response:
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
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 had disputed transaction with XXXX for amount of {$1800.00} back in XX/XX/2022 due to never received service what I had agreed upon receiving it with " Chase '' credit card dispute department, and got a credit back on XX/XX/XXXX whilst they were investigating regitmicy of claim, it had been 3 month passed I had not heard from them regarding the result and found out transaction has been rebilled on XX/XX/2022 and received a letter saying the merchant provided documentation which that had nothing to do with the service I have not gotten received and I have to submit another written statement in order to reconsider to re open dispute. So I sent those written statement with more details communication between XXXX technicion which I had kept getting canceled on delivering services back on XXXX to Chase dispute department, had been waiting several month for a response back between paper mail and online communication center which l had not seen any response, I called them today ( XX/XX/2022 ) around XXXX and spoke to the customer service representive on dispute department and told they had send a notice to me which l had never received, they already closed the case which from the document provided from merchant demonstrating the goods I had ordered and they believed I already have received the service from the look of the service contract from the merchant. I asked to representative, as nature of the service contract it's normal they had itemized list of the goods I would have gotten serviced which it was garage door and opener but I have not gotten service nor seen a product, I told the agent I could even send the picture of my garage which never gotten the service, Agent did not want to help me out with any other option and advised me even if l re submitted claim which not it already has been passed windows for on going investigation and would not be able to guarantee for the other outcome. How this could be my fault or responsibility to pay for the service I had not received, or injustice has been done during the dispute process? I had been reaching out, tried to use proper channel to resolve an issue, I also have reached out to merchant, their coorperate phone line and personnel put me on a hold with the promise to transfer then hung up on me. I am very frustrated with Chase credit card service regarding how they handled the whole dispute transaction, and communication between them and customers. Thank you for your time. Hope to hear from you soon.
Company Response:
State: TX
Zip: 78724
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I deposited a check into my JPMorgan Chase account and they put a hold for a long time, and then they freezed the account and then closed it, and now they drag around with the funds, and I can't pay my mortgage, and mortgage company says that my house is going to be foreclosure.
Company Response:
State: NY
Zip: 10977
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: so I have the quest united card. They have cutoff time on the XXXX of XXXX XXXX est apparently I have made my payments literally all within 8 to min after and it is still the XXXX here in Utah. the company hold my payment and posts it on the XXXX and keeps making my payment late and charging a late fee. If you can to my last maybe like 5 to 6 of them all of them are maybe 7 to to min after on there side posts like XXXX to XXXX. This is ridiculous and I dont agree with these late fees at al and the again this last one they are dining for which they refuse too remove apparently posted at XXXX which is still XXXX Utah time so it is still the XXXX this cut off is ridiculous and you should be to still pay on the same day up to eastern time your own time this cut off is unfair and I dont feel this late is warranted at all all these payment going to even the last year half have all been on the XXXX but considered on the XXXX because of there systems not being able to post a payment on the same day and I am still making them on the same day I talked to 2 managers and none of them would help me get my last XXXX back I really feel they are being unfair with this and I want my last XXXX fee back
Company Response:
State: UT
Zip: 84041
Submitted Via: Web
Date Sent: 2023-02-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023, I deposited my XXXX Pension check into my Chase bank account. The teller informed me that the check needed to be sent for collection. I asked her why since I deposited at least 36 of these checks, and they did not need to be sent for collection. Her response was the computer told her. ( By the way, I deposited at least three more checks after this date. ) I was puzzled, and the teller said it would be deposited the next day or week. The check was not deposited the following week. I called the 1800 number on the forms, but I was waiting for someone to pick up the phone. I went to the branch, and they tried to reach the same number, and no one responded to the line. I sought help from Chase bank management, but they were no help. On XX/XX/XXXX, my check was deposited, but a collection fee of {$110.00} was charged. I asked my banker for help since I was never charged for the deposit of my pension check. He said he " notified the banker and branch manager at the branch at XXXX XXXX XXXX about your situation, and they assured me that they will look into it and notify you once they have received some answers or a solution. '' I received a voicemail from XXXX XXXX XXXX from the local branch asking to call back. I left three voicemails and have yet to receive a response.
Company Response:
State: FL
Zip: 33062
Submitted Via: Web
Date Sent: 2023-02-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Chase Bank has frozen my checking account. They detected fraud and have not allowed me to access my funds. I have been locked out online and after a visit to the branch, I have been told it will take 2 weeks to 2 months to retrieve my funds. The branch says these is all being handled by a special fraud department and the local people have no information. No indication of how the fraud happened ie. ATM, electronic or whatever. I am treated the fraud not the victim or the customer. My account was closed around XX/XX/2023. I have several automate deposits that have gone into the account since that date. I had roughly {$4000.00} in the account. Iam a XXXX-year-old XXXX suffering from several medical conditions including XXXX and XXXX and XXXX XXXX XXXXXXXX XXXX. I have had to scramble to pay my bills using other credit cards and borrowing money from friends. I have visited the bank and called them but as in the aricle below and the fraud department talks to no one. I thought the job of the bank was to protect its customers. I this case I am being held hostage. I certainly did not take my own money but I am being treated like I am a fraudster. However I am the victim. I just read the attached article and say ditto. https : //XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 32082
Submitted Via: Web
Date Sent: 2023-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A