Date Received: 2023-01-31
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I have a XXXX XXXX credit card issued by Chase. The card was advertised heavily to offer one free checked bag per person when the card is used to purchase XXXX tickets. Several times XXXX has required me to pay to check the bag, but has then refunded the amount I paid. For a trip in XXXX, however, XXXX refused to refund the amount ( {$150.00} ). I tried to dispute the amount with Chase, but they will not let me file a dispute, since I agreed to pay the charge when I checked the bag. Yes, standing at the airport with a large bag an hour and a half before my flight, I agreed to pay the charge ( because I had no other choice ), and assumed it would be refunded. Chase insists I have no recourse with them, even though it was their advertisement of the incentive of free checked bags that caused me to apply for and use their credit card. The flights were on XXXX XXXX, XXXX ; my husband and I were each charged {$75.00}. I have talked to Chase on the phone and tried to file a dispute through their web site. ( XXXX agrees that I was not supposed to pay for the bags, but they issued a travel credit for {$150.00}. I have told XXXX I don't want a travel credit, I want a refund, but no-one at XXXX seems to have the authority to reverse the travel credit and issue a refund. )
Company Response:
State: IN
Zip: 466XX
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: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I'm lost my wallet, a few days later I see some transactions that I don't recognized, I call C hase fraud department and make a claim about the transactions. The chase department r eplacement my card and refund me with the money in XX/XX/XXXX while they investigate the transactions, 5 days later they removed the funds that they provided before and my account become negative, I don't know why because my card was lost and used by someone. I need help with this please. The transactions are the following : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} I reported this transactions too, but I never received any money back or letter explain why this transactions they never investigated. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33176
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: Getting a credit card
Subissue: Application denied
Consumer Complaint: On Tuesday XX/XX/XXXX, I applied for a Chase XXXX XXXX Card. I was rejected for the card " for having too many applications in the last 24 months ''. For Chase this number is XXXX or more applications and is referred to as the XX/XX/XXXX rule. Application ID is : XXXX When I spoke with the reconsideration line today at approximately XXXX XXXX, I was told of this. I was told that XXXX of the cards they were considering opened, was a XXXX XXXX XXXX XXXX serviced by XXXX XXXX. As is well known, XXXX is in bankruptcy court currently and XXXX XXXX, has paused all cardholders ' attempts to use their card as XXXX can not currently pay accrued benefits to cardholders. So in effect, due to a bankruptcy, which I can not control, I am being treated as this is XXXX of the XXXX or more " opened accounts '', and thus a reason to disqualify me from this credit card. It was not because I was not credit worthy, not because I have poor XXXX XXXX but because a financial institution went bankrupt. I am XXXX of thousands who is effected by this. In such a situation where the card holders is UNABLE to use the card because the issuer went bankrupt, it is unfair to consider this as " an opened account ''. An opened account would assume that provided the cardholder continues to pay their bills on time, they would be able to use the card. I paid my bills on time and am no longer able to use the card, so this card should not be counted against the XXXX limit, and therefore, if that was the only reason my application was rejected, I should deserve redress. This is unfair to the consumer. When I spoke to several agents during a recorded call, they were very curt, insulting, and their tone of voice left much to be desired. I hope that these calls will be monitored and more respect will be paid to potential Chase customers. I already have XXXX credit lines at Chase XXXX XXXX XXXX card, and the Southwest XXXX XXXX card ), but based on this experience, I'm not sure I can recommend them to anyone else. Treating customers poorly and pushing us for bankruptcies that have nothing to do with us, is a poor way to conduct business. Now I have an additional hard inquiry on my credit report for the next years that will negatively affect me.
Company Response:
State: KS
Zip: 66047
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: On XX/XX/2023, I received a notification from Chase bank that a new wallet account was successfully set up ; I did no such thing, so I immediately logged on and saw XXXX pending charges ( in XXXX no less ) that totalled {$4500.00}, so I immediately called the bank to report the fraud. It was the same day, and Chase set up an investigation. I have never withdrawn money from my account so egregiously. They credited my account, but then concluded that I authorized these charges. They then took back the money, including exchange rate fees, and overdraft fees. My account stands at a negative balance and Chase is threatening to report this to XXXX or more reporting agencies. I have spoken to supervisors, filed identify theft report, a police report, and am waiting a second investigation. However, I've had to open new accounts elsewhere, totally disrupt my life, and take XXXX in order to deal with what seemed to me to be a fairly obvious appropriation of my debit card. It's going on XXXX month of this back and forth with Chase. I've been with them for over 10 years and a quick review of my accounts would reveal that I've never spent money so frivolously or put myself in such jeopardy.
Company Response:
State: IL
Zip: 60586
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: 2023-02-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: This is the second complaint I am filing about this matter. Please see the attached sanction on XXXX XXXX XXXX. I have also attached the letter sent by CHASE BANK, which brought me to filing yet another complaint. I do not know why Chase continues to give XXXX XXXX XXXX money from my account, when I told them on several occasions that these people stole {$1800.00} from me. They then had the nerve to refund me only {$330.00}. I have filed every complaint known to man in XXXX on XXXX XXXX XXXX : The FTC, The FBI 's XXXX, XXXX, and even the state 's bar of these alleged attorneys. I am tired of having to deal with reversal of charges because these people are contacting Chase lying. They were not given authorization to debut my account.
Company Response:
State: NJ
Zip: 07052
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX I was alerted there were fraudulent withdrawals from my savings accounts dating back to XX/XX/XXXX. As soon as I discovered the fraudulent charges I reported them to Chase fraud department and went into a physical branch to move the money out of my account. All of the fraudulent withdrawals are from a XXXX account that I did not recognize. The following fraudulent charges are below : XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$2.00} XX/XX/XXXX XXXX XXXX XXXX XXXX VA WEB ID : XXXX ACH debit - {$5.00} XX/XX/XXXX XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$20.00} XX/XX/XXXX XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$41.00} XX/XX/XXXX XXXX TRANSFER ADD TO BALANCE WEB ID : XXXX ACH debit - {$5.00} XX/XX/XXXX XXXX TRANSFER ADD TO BALANCE WEB ID : XXXX ACH debit - {$10.00} XX/XX/XXXX XXXX TRANSFER ADD TO BALANCE WEB ID : XXXX ACH debit - {$10.00} XX/XX/XXXX XXXX TRANSFER ADD TO BALANCE WEB ID : XXXX ACH debit - {$10.00} XX/XX/XXXX XXXX TRANSFER ADD TO BALANCE WEB ID : XXXX ACH debit - {$5.00} XX/XX/XXXX XXXX TRANSFER ADD TO BALANCE WEB ID : XXXX ACH debit - {$72.00} XX/XX/XXXX XXXX TRANSFER ADD TO BALANCE WEB ID : XXXX ACH debit - {$72.00} XX/XX/XXXX XXXX TRANSFER ADD TO BALANCE WEB ID : XXXX ACH debit - {$10.00} XX/XX/XXXX XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$3.00} XX/XX/XXXX XXXX TRANSFER ADD TO BALANCE WEB ID : XXXX ACH debit - {$7.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$11.00} XX/XX/XXXX XXXX TRANSFER PPD ID : XXXX ACH credit {$11.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX WEB ID : XXXXXXXX XXXX debit. $ XXXX After reporting this fraud I was told by XXXX that they have a 60 day policy on fraudulent charges that begins at the first point of fraud instead of the first point of report. Therefore I could only recover the transactions from XXXX in the amount of {$7.00}. This policy was only explained to me after my 4th or 5th interaction with Chase. There was no understanding that savings accounts are checked less frequently than checking accounts. I also noted that Chase reversed the XXXX XX/XX/XXXX credit for {$11.00} even though this was well past the 60 days of initial fraud. I found this to be an unfair practice and policy.
Company Response:
State: CA
Zip: 951XX
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
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: Same issue as prior to date with reissuing and purchases for personal use
Company Response:
State: SC
Zip: 29687
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
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 was told to submit another complaint with dates involved. There was an initial transaction on XX/XX/XXXX for XXXX XXXX with Amazon.There is repetitive charges after that for like XXXX transactions with Amazon. I didn't know or authorize this going into XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft I notified the company of the fraudulent activity previously and nothing has been removed from my credit report I made a police report stating that any and all accounts opens before XX/XX/22 is not mine and I have no knowledge of opening
Company Response:
State: MI
Zip: 48021
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: A check we wrote was stolen from a gift box at a wedding and was cashed. It was endorsed by another party, XXXX XXXX. XXXX other people were affected by the same fraud but all of them had their funds returned to them within XXXX weeks by their banks according to information I have. It was check # XXXX for {$300.00} written on XX/XX/XXXX and cleared my bank, XXXX XXXX. on XX/XX/XXXX. A police report dated XX/XX/XXXX was provided to my bank when a copy was made available to me from the police department on XX/XX/XXXX. XXXX responded with a letter dated XX/XX/XXXX, that they had received my claim and assigned it claim number : XXXX XXXX XXXX XXXX. I have contacted the XXXX Bank fraud department listed on this letter at XXXX at least XXXX times in the ensuing time for an update. The response is always the same ; " We have sent an email to the bank that cashed the check, XXXX XXXX, and are awaiting a reply. '' XXXX XXXX says they are investigating but in XX/XX/XXXX, it has now been XXXX months and XXXX XXXX needs to authorize return of these funds as they cashed a check that was not properly endorsed. XXXX XXXX has provided no timeline or plan for resolution to XXXX Bank. I have also reported this as advised by the fraud department agent to ; XXXX but have only received the same response that they are waiting to hear from XXXX XXXX. My bank says they are unable to disclose the XXXX XXXX internal tracking number but they can reference it by contacting XXXX at the phone or email information as above. If this were a more substantial amount, say for a rent payment, a client could be in serious trouble.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A