Date Received: 2023-01-31
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I made a payment on the credit card in order to make computer purchases for an employer. The credit card company made me go over the limit by $ XXXX. Then would not give me an explanation on why the payment was reversed.
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: They withhold fund from my wages on XX/XX/2023. {$140.00} was taking.
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
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: On XX/XX/2022 I attempted to purchase a coffee machine from XXXX for {$1700.00}. I immediately received a text message alert from Chase Credit Card Fraud Services asking if I was indeed trying to purchase an item from XXXX, that my transaction was blocked as a precaution, and if I was indeed trying to purchase the item I should reprocess the transaction. As I was indeed trying to purchase the item, I resubmitted the order. That day, however, I was feeling nervous about the legitimacy of XXXX Not only had I received the Chase Fraud alert, but the website misspelled, the " contact us '' feature on the website was not functioning, the voicemail of the website 's phone number was unprofessional, and I learned the address of the website 's headquarters was in fact not a real address after searching for it on XXXX. This learning, combined with the initial Chase Fraud alert, caused me to question if I had in fact ordered this coffee machine from a legitimate merchant. As a result, I emailed the merchant and informed them I had placed two orders, only wanted one of them, and hoped I would receive an order confirmation soon. The person at this email address actually replied indicating they would only send one item and it would ship the next business day. However, the email was written in heavily broken XXXX and I had still not received an order confirmation email. As a result, I contacted Chase Fraud, informed them of the situation, and was advised to block these charges and that an investigation would follow. After some time had passed I was informed by Chase that they had contacted the merchant and that the merchant had provided a XXXX tracking number " justifying '' they had in fact shipped me the coffee maker and that the dispute had therefore been closed. Chase provided me with the merchant 's response on XX/XX/2022. This response included the XXXX tracking number in question which showed that a package had indeed been delivered to " a house '' ( not mine ). Interestingly, this particular tracking number had an image of the house where it was delivered and it was clearly not my house or any of my neighbors. Furthermore, the package in the tracking information had small dimensions ( 14 '' x10 '' x7 '' ) and was very light ( 4lbs ). The manufacturer of the coffee maker, however, clearly showed on their website that the coffee maker itself ( without shipping packaging ) was XXXX XXXX XXXX XXXX. It was clear to me that whatever package the merchant was trying to justify had been sent to me was not only not sent to my address, but couldn't possibly have been the product I ordered. Upon re-emailing the merchant to follow up on the status of the shipment, no response could be raised. The phone number was no longer active on their website and the address of the merchant was changed to a foreign address in XXXX. Several weeks later, the website XXXX was shutdown and listed as inactive by the hosting provider. All of this information was provided to Chase and repeatedly discussed over the course of the last 3 months and it's clear to me the merchant was involved in some sort of fraudulent scheme. I re-contacted Chase to escalate the dispute to a supervisor and the case was reopened in XXXX. However, as of today, Chase Credit Card Fraud services tells me they have re-run their dispute process with the merchant 's bank and have not been able to get the transaction credited, and therefore I'm liable for the charges even though I've never received the product, the merchant 's website and channels of communication no longer seem to exist, and I've provided ample information that clearly shows the merchant never acted in good faith to provide me the product I ordered or provide honest and accurate justification to Chase.
Company Response:
State: IL
Zip: 60137
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Fraud or scam
Subissue:
Consumer Complaint: We received a text message and phone call from the number : XXXX stating they were " Chase Bank : Fraud Department '' and there was fraudulent activity on our Chase joint account. My husband was skeptical but they were able to identify themselves as Chase bank in numerous ways. They used an editing system of some kind on the back end, pretending to close our joint account and open a " new '' account under my husbands name, but it was really XXXX XXXX 's account from XXXX scamming us to transfer {$7500.00} from our Chase account to his XXXX XXXX account. Chase bank was completely useless in helping us get our money back and very bad a communication. We feel violated and someone now has {$7500.00} of our hard earned money. We worked with our local Chase bank branch and called the Fraud department daily. We sent secure messages to the wire transfer team because that is the only way we can communicate with them and they never responded to our original messages about retracting the wire transfer immediately. They NEVER responded. We finally got them to respond 3 weeks later by myself ( wife on joint account ) sending a secure message and they said they can not send an LOI to XXXX XXXX to retract the funds since we initiated the wire transfer. IT WAS A FRAUD SITUATION and they still will not cooperate and barely communicate with us. We have nine accounts with Chase bank, including our mortgage and we do not feel safe with having our money with them any longer. We hope you can help us or catch him!
Company Response:
State: CT
Zip: 06611
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have officially complained to these companies that I am a victim of identity theft. I did not open these accounts : XXXX XXXX, JPMCB CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX And I don't believe any charges made to them are my fault. On XX/XX/2022, I had already submitted the FTC report ; on XX/XX/2022, I contested them with the three bureaus and the relevant corporations. Nevertheless, despite my attempts to fix the situation, they have yet to respond to me and continue to reject removing these false entries from my credit record.
Company Response:
State: FL
Zip: 34743
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Chase bank is advertising to their existing customers, balance transfers up to $ x amount, @ 0 % APR for 24 months. In exchange, the customer pays a 5 % balance transfer fee. However, in small print, they say " Prior to taking advantage of this offer, if you did not have a balance or you paid your balance in full each month, you did not pay interest on your new purchases. This is referred to as an interest-free period. If you take this offer and do not pay off your entire balance each month ( including the promotional balances that you add by using this offer ), you will lose that interest free period. This means that you will begin paying interest on all new purchases, even if you pay your purchase balance in full each month. '' HOWEVER, they also say, and have on their FAQs regarding this particular offer, " Here 's how we credit your payment to your account- The minimum payment will be applied in the following order, interest charges, fees, and principal from the most recent statement from the lowest to the highest APR balances. Any amount over the minimum due will then be applied from the highest to lowest APR balances. These 2 statements are completely contradictory. The first statement they say you have to pay the entire balance, including the amount of balance transfer, in full, in order to avoid getting charged interest on your current charges. The second statement they say, they will apply minimum pay to interest, fees, principal from most recent statement from lowest to highest APR balances. This means the minimum payment would go to interest/fees first, then to the balance transfer, then anything OVER the balance transfer SHOULD go to the balance with the highest APR ( current charges ) since the balance transfer is at 0 % APR. I called and spoke to several people, and they all said the same thing, there was nothing they could do, the entire payment will go to balance transfer, and you will get charged interest on any current charges. I can't say that they are blatantly lying, because they had that " small print ''. But what I can say is that they have 2 completely contradictory statements regarding their methodology of payment allocation, and even if somehow their methodology that violates section 1026.53 of the credit CARD act of 2009 isn't illegal, it is at bare minimum confusing to the customer. The smaller print statement, I believe is illegal, as it violates section 1026.53 of the credit CARD act of 2009 allocation of payments. The part that contradicts the small print is how payments should be allocated based on section 1026.53. So to summarize : I believe Chase at best misleading their customers, into believing they will have 24 months @ 0 % APR of their balance transfer, as they are not making it clear that unless they pay off the entirety of their balance transfer + any current charges, they will be subject to interest on all of the current charges. Again, at best, Chase is intentionally confusing their customers by stating 2 different methodologies of payment allocations depending on where you look. Lastly, I believe because they are enforcing their allocation methodology of what was in the small print, that they are in violation of the allocation of payments set forth in the Credit Card act of 2009. In addition to these thoughts, I can't help but feel that this product is predatory, as it appears to be offering relief to consumers who may have credit card debt, thinking they will have the opportunity to pay down debt without accruing interest, but in reality it is just shifting the bucket in which their interest will be charged.
Company Response:
State: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On the XXXX of XXXX I went to chase bank XXXX XXXX XXXX, in XXXX XXXX California. I opened a checking accounting to deposit a refund check issued by my insitutuion where i'm enrolled for school, The personal banker XXXX advised me to electronically deposit the federal issued check even through my suggestion to deposit XXXX in person. I was made aware I would have a regular wait time of XXXX days to receive access and XXXX dollars was made available in the meantime. After the bank received my funds they automatically flagged my account and restricted access, after numerous calls back and forth between customer service and my school there is no clear answer on why my money has not been made available to me, but yet is available and circulating through the bank itself. The common request is for a verified phone number of the check issuer, and my school has no idea what a verified number refers to. I've met with the head banker and still can not access any of my funds even though as a college student on the verge of homelessness they will not help. So much misinformation, and no clear cut answer, I really want my funds and it feels extremely unethical the way I've been advised and how they are handling my money, the money is present within chase and they're actively accruing interest for there own profits, at my own expense and livelihood. I do not know what to do at this point, and the response time has been lackluster.
Company Response:
State: CA
Zip: 951XX
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Chase bank has screwed me and my business over in several different ways. They have employees who work there in the XXXX XXXX and XXXX XXXX XXXX that violated my privacy and illegally accessed my accounts and account information to conspire and come up with a scheme to illegally seize property of mine. In XXXX Chase signed a home over to me and the home was signed over by one of their attorneys, XXXX XXXX contact info XXXX and XXXX. I was XXXX by XXXX XXXX XXXX and in one of their reports it stated that a Chase Employee said that they will never sign a home over for that amount of money. I opened a lawsuit against Chase in XXXX, for lying and providing a government official with false information. My case was in front of XXXX XXXX, but she removed my case after her son was XXXX. I was contacted by their attorney XXXX XXXX XXXX and on a recorded line she stated that she was going to reach out to XXXXXXXX XXXX XXXX and inform them that they indeed did sign the property over to me and that they were offering me a XXXX XXXX dollars. Chase bank caused me and my family extreme hardship, because of their lies, discrimination, and lack of accountability. For years, Chase Bank has unfairly charged surprise overdraft fees - fees charged even though I had enough money in their account to cover the transaction at the time the bank authorized it - on debit card transactions and ATM withdrawals. As early as XXXX, the CFPB, as well as other federal regulators, including the Federal Reserve, began cautioning financial institutions against this practice, known as authorized positive fees. In XXXX they unlawfully froze and closed my accounts and mispresented fees, based on their faulty automated filters determination that there may have been a fraudulent deposit, even when it could have taken other actions that would have not harmed customers. I was unable to access any of the money in accounts at the bank for an average of at least two weeks. This happened while I was on vacation in XXXX with my family and it was so embarrassing, but XXXX XXXX came to the rescue. The bank also made deceptive claims as to the availability of waivers for a monthly service fee. Chase Bank is a repeat offender that has been the subject of multiple enforcement actions by the CFPB and other regulators for violations across its lines of business, including faulty student loan servicing, mortgage kickbacks, fake accounts, and harmful auto loan practices. In XXXX I revied a XXXX Loan from Chase Bank and they again used XXXX XXXX and faulty banking system to determine that my loan was not eligible for forgiveness. I was featured in XXXX last year for my business and have been in business well over 12 yearsXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When it was time to request forgiveness for the loans, their system was so screwed up that you couldn't even access the account to request forgiveness. You had to request forgiveness through XXXX which was a painful and tedious process. They later gave businesses a chance to request forgiveness, but my business was not eligible, because based on their determination that my loan shouldn't be forgiven the XXXX partially forgave XXXX dollars of my loan. Chase Bank has hurt so many people due to their greed, discrimination, and fraudulent and illegal practices. I am a XXXX XXXX XXXXXXXX XXXX XXXX XXXX who has served my country well. I dont deserve this treatment from the people 's whose rights I went to XXXX and was XXXX XXXX XXXX. Chase Bank has no respect for XXXX, minorities or anyone outside of upperclass XXXX.
Company Response:
State: TX
Zip: 75002
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: It came to my attention on Friday, XX/XX/2023, that for a year on my personal checking account with Chase, I was experiencing fraud using a false XXXX Account. Someone had somehow got my Debit Card information for this checking account and was charging small amounts at first {$10.00} here {$7.00} there and then they started charging, in the last few months, hundreds of dollars. This account is used for just deposits and paying my monthly electric bill and XXXX fees. I have not used this debit card in over a year. The amounts were not that much and went unnoticed. I have provided a letter from XXXX confirming this is not my account as well as a transaction history from them showing these charges are not mine. Even after putting Chase on notice on XX/XX/XXXX they still let additional charges go through for another {$190.00} in XXXX day. Chase has refused to reinstate this loss to my account stating " We found that the transaction ( s ) was processed according to the information you provided or was authorized. '' I have also gone to my local branch office to get further assistance however this has not helped.
Company Response:
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Multiple unauthorize reverse transaction had taken place on my account for {$1800.00}, {$1500.00} on XX/XX/XXXX, XXXX XXXX XXXX. The {$2300.00} and {$2400.00} on XX/XX/XXXX. This was fraudulent tranaction that had take place on. my account.
Company Response:
State: CA
Zip: 94591
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A