Date Received: 2023-02-04
Issue: Fraud or scam
Subissue:
Consumer Complaint: First off my name is XXXX XXXX and I am a Chase client and have been for over 20 years. I would appreciate any help I can get in this matter. I'll explain why I haven't received the proper attention in this matter shortly but first I would like to give the information on a fraudulent wire transfer that was sent to XXXX XXXX from my checking account. I will also upload copies of some of these number codes. This is how it reads in the transactions on the Chase website. ONLINE DOMESTIC WIRE TRANSFER VIA : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX In the amount of {$7800.00} on XX/XX/23. US DOLLAR WIRE TRANSFER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/23 I received a text asking me if I had made a purchase at XXXX in the amount of {$360.00}. The text looked official just like others me and my wife have received from Chase recently where someone was trying to fraudulently use our debit card. Chase would then send us a new card. So I responded no. I then immediately received a call from Chase Bank the number was XXXX XXXX XXXX XXXX which I have saved in my contacts. At least I thought it was Chase. I didn't know that scammers could make it look like they are calling from a legitimate number. The scammers told me that someone had hacked into my account and I needed to change my password and username. They also said the so called perpetrators were trying to do a wire transfer and they would walk me through how to counteract this by having me do a wire transfer. I had them on speaker phone and I was on the website about to wire the money when I told him im not comfortable with this. I asked to speak to his manager and without missing a beat another smooth talker was on the phone assuring me they were from Chase. I thought if I hang up and call Chase wouldn't I just be calling the same number? So I sent the wire transfer in the amount of {$7800.00} because they were now in my account and new how much they could get away with. They said the phony perpetrators were trying to wire themselves {$7800.00} and this would stop it. I know it sounds stupid but they sounded professional just like other bankers I've talked with. Within an hour I started to realize that I might have been scammed and I called Chase. They said it was not them and that I had likely been scammed. I changed my username and password right away. This is where my complaint comes in. At the time that I called the wire transfer had just been sent. I pleaded with the numerous people I was being transferred to to stop the wire transfer. All they said was I need to send a secure message to do a recall. I said time is of the essence and I needed to speak to someone who could help immediately. They said because of XXXX no one is here to help over the phone. That is ridiculous and doesn't even make sense. So I typed in my message to recall the wire transfer of {$7800.00}. All I got was a message saying that they received my recall request. The next day they asked me via secure message if I still wanted to go through with the recall? Of course I did! I couldn't believe they hadn't even sent it to the receiving bank yet. I responded yes and I don't even know if they sent it that day or the following. Still no one at Chase would talk with me when I called still directing me to the infuriating secure message center where judging from some of their responses over the next few weeks sounded like they did know what they we doing or care. About 8 days later Chase responded again through secure message that the receiving bank which was XXXX XXXX had not responded and they were closing the case? Unbelievable. What if they do respond will anyone inquire further? They gave a number to call which has been disconnected and a website that doesn't exist. Please help in any way in this matter.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited my check into my account from my work almost XXXX weeks ago and they still have not released the funds and they said that they would be available on XX/XX/XXXX and they are still not available and whenever I call they just tell me that theres delays and thats all I get! I keep asking them for help to get my money and all they say is its not available or its been delayed. Its been XXXX weeks!!!
Company Response:
State: AZ
Zip: 86004
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have fraudulent inquiries on my credit report. Below I have provided the unauthorized inquires that appeared on my report. -Consumers co XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXJPMCB card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 144XX
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-04
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: In XXXX, 2023, I received a bill from Chase for my Marriott XXXX credit card. That bill had a statement balance of {$22000.00} with a due date of XX/XX/2023. I paid the balance, in full, on XX/XX/2023. I just received my XXXX statement and am being charged interest of {$310.00}, even though I paid my prior month balance IN FULL by the due date. I called and spoke with a customer service representative and a supervisor and they will not remove this charge. It has always been my understanding with any credit card that if you pay the balance in full, by the due date, that you should not be charged interest on your next monthly statement. I do not understand why Chase is not only charging me interest, but charging me a LOT of interest, when I paid my prior month balance in full, by the due date!
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-04
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: This is regarding a dispute resolution regarding the {$1200.00} charge from XXXX XXXXXXXX on my Chase credit card. We paid a {$1200.00} business upgrade fee to be seated in business class. When we go tot he airport we were held at the counter for 1 hour only to be told at the end of it that we could not be seated in business. Our family was also separated and we could not seat together despite having an infant with us. We requested a refund there but they refused to do anything and instead told us to contact the airline after the flight. I contacted the airline and never heard back since filing the inquiry in XX/XX/2022. It has been 4 months and this company has never gotten back to us. That is why I filed a dispute with Chase since I never received the service I paid for. Chase has done nothing about it over and over. I filed the dispute after following their procedures and being shamelessly ignored. I received an email from your department with many pages of useless paper which is apparently the airlines response. Evidently no one at Chase bothered to review the papers because it shows where we were seated on our flight which were ECONOMY SEATS. Yet CHASE sided with XXXX XXXXXXXX despite their own documents showing that we were seated in economy even though we paid a business upgrade of {$1200.00}. I have been defrauded and ignored by XXXX XXXXXXXX and Chase is refusing to do anything about it. You need to give me my {$1200.00} back because I never receive the service I paid for.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-04
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 wanted to take a beginner options class from XXXX XXXX XXXX. On XX/XX/XXXX, I signed up for the beginner class which was {$790.00} About XXXX hours after I signed up, I received a phone call from XXXX from someone who stated they were the XXXX here He told me that he had gotten my name from my previous purchase and he told me the class that I signed up for was a waste of money and that I would not get a refund and he was pressuring me that I only had XXXX day for him to credit the {$790.00} to another subscription. I asked him to call my husband about the subscription because I wasnt sure about this. He said he didnt have time because he was finishing for the day. I then asked him what the total for this would be. He told me and I said no, thats too high. He said that he already put this through. I did not give him authorization to put this on my card. He then became very rude and sarcastic. I hung up and he called me back and he said, are you going to dispute this and I said yes and he then sarcastically chuckled and said our dispute department is excellent. On XX/XX/XXXX, I e-mailed XXXX, about this transaction and that I wanted to cancel my subscription due to this dishonest transaction I never heard back. I never confirmed these subscriptions on their company website so I have never used their services. After this dishonest experience I did not want anything to do with this company. I dont trust this company. I called Chase as soon as I hung up after this transaction on XX/XX/XXXX. I said I wanted to dispute this charge. Also, on the next day XX/XX/XXXX, I called Chase at the Fraud department and said I wanted a fraud charge placed on this charge and that I wanted my card cancelled. I did not want this person to have access to my card. I received some correspondence shortly after this from Chase that this was being researched. I did not hear back from the XXXX department until the middle of XXXX. They sent me a letter stating that there were no fraud charges due to me benefiting from this transaction. I did not benefit from this, I never used their services. I never opened their links to their e-mails. I never confirmed these purchases on their website. I then called XXXX at Chase and they told me to put this in for dispute again. I spoke to a XXXX at Chase on XX/XX/XXXX and explained everything again. He put the charges in for dispute again. He said someone would contact me by mail or phone. I asked him if they call will they leave a voice mail to say they are from Chase and he said yes. I told him I dont answer numbers that I dont know so I wanted to make sure someone would leave a voice mail. I did not hear back from Chase until near the end of XXXX. They sent me a form to fill out but only gave me XXXX days to send it back. I called Chase Disputes and the rep I spoke with asked me if I could fax it. I also mentioned to her that there was only XXXX amount being disputed on this correspondence which was XXXX, I told her there was another amount for XXXX, XXXX. She said yes and told me to write in the other amount. The next day which was XX/XX/XXXX I went to the local Chase and had the XXXX there fax it. I double checked with him and asked are you sure that went through and he said yes. About a week or so later I received correspondence from Chase that they had not received anything from me and were charging me for this purchase.. Again, I asked the XXXX at the local Chase if the fax had gone through and he said yes so this made no sense to me. I called Chase and spoke to a XXXX, I told her that I had sent the fax, she said she didnt know why they didnt receive it, she asked me if I could re-fax it again. That same day I went back to the local Chase and the rep there faxed it again and also e-mailed it to Chase. I called back Chase and the rep I spoke to said she didnt receive anything, I asked to speak to a XXXX again, I told her I had re-faxed the documents again. She checked and said yes they did receive it. I asked why the rep had just told me that they hadnt received the documents and she said she didnt know why the rep told me that. About XXXX weeks later I received correspondence from Chase that I had waited too long to dispute this charge. ( This makes no sense I called Chase on XX/XX/XXXX a minute after I got off the phone after this transaction ). So I then asked to speak to a XXXX, She told me Chase had made several attempts to call me. I asked if they left voice mails and she said yes. I said I had no record of voice mails. I also told her there was still only the {$790.00} on this dispute and that there should also be the {$2200.00}. She said since that is a separate charge that went in separately and would be processed separately. I didnt understand that. I told her I check my voicemails all the time and I did not receive a voice mail from Chase I then asked to speak with the XXXX office. I spoke to the XXXX Department and told her I was very upset about this. I explained the situation again. She put another dispute through. I then received an e-mail from Chase at the XXXX office saying she was researching this. On XX/XX/XXXX, she left me a voice mail basically stating the same thing that they had left me messages and I hadnt answered. I didnt receive any voice mails. She then stated the same thing that I had waited too long which made no sense. She said the charges were valid. She also said that I needed to get in touch with the merchant. I tried to get in touch with the merchant. They didn't respond to me, that and that was all described in my documentation. There is nothing valid here, this is a payment for XXXX for nothing that I used or benefited from. This company is receiving a payment for giving me nothing that I used especially since I disputed the dishonest charge the minute after it was put through and also I sent an e-mail to XXXX regarding this very shortly after this dishonest transaction was made and XXXX was the one that never responded back. I have XXXX XXXX XXXX service for my phone, it can be checked what voice mails I received. I sent a letter to the Chase XXXX XXXX regarding this. I didn't hear back and also on Thursday, XX/XX/XXXX, I gave permission for my husband to talk to Chase about this because we are both very upset about this. My husband was told someone would definitely call him back. No one from Chase called. This whole experience seems like i have been going around in circles with Chase and no one is helping me solve this. I have been a long standing customer with Chase and always pay my balance. I have good credit and this is very upsetting to be treated like this.
Company Response:
State: DE
Zip: 19810
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-04
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have been a Chase customer for a long time, with a checking and savings and also the credit card in question. I believe my apr was somewhere in between 8-10 %, which I will never be able to get such a low interest rate like that again, so it's especially upsetting that this card was closed by Chase. A bit of backstory is necessary here in order to understand why this occurred : I have been on SSI for approximately 24 years and a financial review was done on my case and they falsely attributed more money than I actually had and they stopped my payments. Long story short, although it's been 9 months and I've furnished all the information they've requested, they still have not returned me to pay status, nor have they paid me while waiting on appeal which they were supposed to, so I have had no money and my automatic payment to my XXXX card bounced in my Chase checking account, even though I called XXXX ahead of time and asked them to take me off of auto pay and which they agreed to do, somehow it went through anyway. So this set off a chain reaction whereby I had a negative {$150.00} balance in that checking. Also the unpaid XXXX card combined with that must have lowered my credit score enough to trigger an automatic closing of my Chase card when it was time for a review. I had just paid a total of {$600.00} on that card ( borrowed from my Mom ) so that i could use the card to pay my rent. They didn't care! They were absolutely cold-blooded when I called them in tears and inquired why this was happening. I had never even been late with a payment ... .yes i carried a high balance, but just a couple of years ago I paid off {$3000.00} of my balance, so I have made progress at times. I had no idea that they could just close one 's card when the account was in good standing! Needless to say it caused me extreme hardship since I was unable to pay my rent, and I was already extremely stressed over losing my SSI benefits, which was what caused me to be in this dilemma in the first place. Now XXXX card has closed my account as well, and my APR on that was 10 % so I am really dismayed and depressed over losing it as well. Now I have no credit cards whatsoever, and there's no way I will ever sign up for the offers i get in the mail these days ... ... .APR of 29 % and the like. If anyone can help me with what I feel was an unfair and unwarranted closure of my Chase credit card, I would so appreciate it. Also, Chase also closed my checking and savings accounts as well.
Company Response:
State: WA
Zip: 98208
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX opened on my account that I did not approve.
Company Response:
State: WI
Zip: 53172
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-04
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I am American and had a fraudulent charge of {$5800.00} with foreign transaction fee of {$170.00} on XX/XX/XXXX on my Chase Credit Card. I reported fraud on XX/XX/XXXX as I did not notice the charge until I reviewed my monthly statement later. At that time I checked my other accounts and noticed XXXX XXXX fraudulently charged my XXXX Credit Card and my XXXX XXXX XXXX for similar amounts. ( XXXX and XXXX determined it was fraud and have since refunded and closed claim ). I was immediately given credit for the fraud by Chase after notifying them and later called in XXXX confirming it fraud and was told the dispute is finished. Today XXXX I received a letter from Chase stating I am responsible to pay because I BENEFITED FROM PURCHASE. I have no idea what XXXX XXXXXXXX XXXX XXXXXXXX is. It has no website, its XXXX registrations show it dissolved in XXXX, it was registered at an apartment with XXXX other companies. This is obviously fraud and I need CFPB to help me get this reversed. Chases Fraud Protection likely needs to be reevaluated.
Company Response:
State: PA
Zip: 188XX
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am writing to express my frustration and request your assistance in resolving an issue I have been facing. On XX/XX/XXXX, I attempted to deposit {$1800.00} at XXXX of your ATMs. Unfortunately, the machine was malfunctioning and did not properly process my deposit, but it took the cash and never became available in the account. It has now been almost XXXX weeks since the incident occurred, and I still have not received my funds. I have been in contact with Chase representatives several times, but have not yet received a satisfactory resolution to the issue. I am extremely concerned about the status of my funds and the lack of progress in resolving this matter. I have already taken time off work and invested a significant amount of effort into trying to resolve this issue, and I am eager to receive a resolution as soon as possible. I would appreciate your prompt attention to this matter, and look forward to receiving an update on the status of my deposit. I would be happy to provide any additional information or clarification that may be necessary. Thank you for your time and assistance in this matter. Sincerely, XXXX XXXX
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A