Date Received: 2023-01-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I logged into my credit card app in XXXX, and it showed that my statement was XXXX so I did not make a payment. I was charged {$120.00} is interest in XX/XX/2023. I have always paid my statement balance to avoid interest when using my chase sapphire reserve credit card
Company Response:
State: TX
Zip: 75098
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Credit monitoring or identity theft protection services
Subissue: Problem with product or service terms changing
Consumer Complaint: XX/XX/2023 Chase bank told me that they had decided to close my account and that they would no longer except my direct deposits. Instead they continued to except my direct deposits and decline all of my auto bill payments. This has cause my credit score to drop, this has also cause my loan balance due in full. Still today chase is holding my refund from my closed account every time during the about the XXXX I was told that my payment was already mailed. Today XX/XX/2023 I still haven't received my payment. I expect they will say that it's loss in the mail, so that they can start this process over.
Company Response:
State: NE
Zip: 685XX
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Friday XX/XX/XXXX I received a letter stating that I was declined for a credit card because I have an overdrawn checking account with Chase Bank. I am a signer on a COLLEGE Checking account with my daughter. I immediately called to find out how much overdrawn she was. I was informed that the checking account is {$48000.00} overdrawn. After further investigation I was told that there were several withdrawals ( in person ) and large wire transers. I immediately filed a claim. These transactions were made in XXXX and would have shown on a XXXX statement if I had received XXXX. I am still within the 60 day time frame to dispute activity on the account. I was told that my daughter needed to sign and return a letter that Chase was mailing to her immediately to move the claim forward. On Thursday XX/XX/XXXX I called to find out where the letter was. After XXXX hours on the phone, back and forth with various Chase reps I was informed that the claim was denied on the same day I filed it and that it was past the time frame. I was also told that a device registered to the bank account was accessing the account and making large deposits and withdrawals to the tune of {$310000.00} in a college account, without notifying me, the parent on the account. We have notified the police department, and the fbi about the fraudulent activity but Chase bank has not allowed us to properly file the claim within the allotted time frame. Someone needs to determine why Chase refuses to allow, by law, us to file the claim and perform an investigation. How were two in person withdrawals for large amounts ( {$10000.00} and XXXX ) handed over to someone without i.d .? How were hundreds of thousands of dollars wired without anyone being notified? The device accessing the account was a stolen phone that is blacklisted and not being used by my daughter. Chase bank refuses to help us.
Company Response:
State: VA
Zip: 24018
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The following notifications on my credit are fraudulent of incorrect. I have not changed address or applied for any new credit. My email was found in a security breach and the following is reported : I am seeing a new inquiry from XXXX XXXX XXXX on XX/XX/2023. I am seeing a new inquiry from Jpmcb Card on XX/XX/2023 I am seeing a new Inquiry from XXXX XXXX XXXX on XX/XX/2023 I am seeing a false address on my credit XXXX XXXX XXXX on XX/XX/2023 I am seeing a new inquiry from Jpmcb Card on XX/XX/2XXXX XXXX
Company Response:
State: TX
Zip: 78201
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX received a text message from Chase Bank requesting an approval for a transaction. After XXXX XXXX XXXX XXXX replied, No, a Chase Bank representative called XXXX and alerted her that someone was trying to attempt a wire transfer to attempt a wire transfer of {$15000.00} USC as well. The Chase representative identified himself as XXXX XXXX # XXXX. After a series of prompts through text message XXXX explained to XXXX that, my supervisor XXXX XXXX # XXXX would also be in contact when everything is complete. On XXXX XX/XX/XXXX, XXXX re-contacted XXXX at XXXX hours central standard time and related that there was another attempt of a {$10000.00} USC wire transfer. XXXX proceeded to explain to XXXX that she would have to obtain a new account number and account balances and would be transferred to the new account. On Monday, XXXX XX/XX/XXXX, XXXX was contact by XXXX and then transferred to XXXX XXXX. XXXX received a text message requesting the username and password of her Chase Mobile application in order to transfer her bank account numbers to the new account that was set up. XXXX gave the information. XXXX then asked, When will I have access to my new account numbers and other information? XXXX responded, XXXX. Meaning XX/XX/2022. All calls that XXXX received from XXXX XXXX and XXXX XXXX were from XXXX. On Tuesday, XX/XX/2022, XXXX called Chase and the representative stated that she did see an alert for the wire transfer of {$15000.00} USC. On Wednesday, XX/XX/2022, XXXX called Chase customer service. The Chase representative informed XXXX that there was not any indication of that her account was frozen or flagged for fraud activity. XXXX was immediately directed to visit a Chase Bank because there was a large amount of money withdrawn from her account. On Friday, XX/XX/2022, XXXX walked into Chase bank and continued the process to block and close all access to her bank accounts. XXXX and a Chase Relationship Banker reviewed her accounts and noticed that from her Savings account there was a total of {$100000.00} USC withdrawn from her account. At which point, the Chase Banker contacted the Fraud Department at Chase and initiated an investigation. This is investigation is pending at this time
Company Response:
State: IL
Zip: 60634
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On or about XX/XX/XXXX, I submitted a notarized power of attorney to Chase bank in XXXX. I wanted to remove my mother from the account she died on XX/XX/XXXX and list as POA for my father. I was informed by their employee XXXX XXXX that Chases attorney could not accept the document because the year was missing where my XXXX father signed. I asked '' All I need to do is fill in the year and resubmit the document. He responded, yes, you don't have to come down to the office again you and email it to me. I did exactly as I was instructed. Now Chase attorneys says the document has been altered and no is longer acceptable. My father is now XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I want Chase to take responsibility for their actions and stop holding an elderly XXXX man 's money as ransom, remove my mother and list myself on the account as POA.
Company Response:
State: WI
Zip: 53208
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I used the option offered by XXXX XXXX XXXX XXXX and chase bank and others where the service offered is to split the original payment say XXXX in to up to XXXX payments and the new first payment and payment 's after that will be added to my minimum balance each month and as described to me by the customer service rep they have a day or XXXX to approve or deny and the new first payment will be posted on the new statement and the new first split payment will replace the original purchase price as to relieve credit usage and overall reduce my actual credit on the card making my limit go from say XXXX to minus XXXX and replacing it with XXXX i think or whatever making my credit usage at around XXXX instead of XXXX as would most reasonable people would believe, cause a. the financial institution still gets paid just overtime, the credit user lessens their credit usage raising their scores and lowering their usage rates and overall credit they have to use to purchase other thing 's for the financial institution to gain. XXXX employees didn't even know the service existed tried to tell me that the program which most credit card companies wasn't used by them until I proved otherwise by actually walking in and showing them. For me it's a deceptive practice and all I have to prove is that me a reasonable person could reasonably assume a service provided should be served a certain especially if the companies policy explaining their service or action is nowhere in plain sight, their employees aren't fully trained and knowledgeable about the service. The service is available for any credit card purchase over {$100.00} and you can split up to XXXX purchases at a time into XXXX payments and the financial institution has XXXX to approve or deny. The person at XXXX tried to tell me folks just do it cause they like adding extra money to their minimum payments every month instead of just paying the minimum balance as required which I've never heard that from anyone
Company Response:
State: CA
Zip: 934XX
Submitted Via: Web
Date Sent: 2023-01-30
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: I have a couple personal accounts as well as a hand full of business accounts with Chase Bank. Because of the amount of funds in the combined accounts, I am not to have any bank fees. Chase was to link the accounts together to prevent this from happening. I have been having fees on some of my accounts and every time I go in there to address the situation, they refund the fees and say the accounts are now all linked together. This has been going on for a handful of years and I have went to Chase multiple times to address this situation. They stated that they have record of this. This last time I contacted Chase and made a big deal about the fees. The branch manager made a complaint with chase. I received a call from the complaint department. After going back and forth for a couple of weeks, they stated that the bank accounts are now linked so I will not be receiving he fees but they can not return the {$2800.00} in fees because the fees were noted on my bank statements and it was my responsibility to notify them in a timely manor. They have not shown to me what the time frame is to notify them for fees illegally taken from my account. Furthermore, I have notified them multiple time which they state they have record of. Because of Chases mistakes in linking the accounts togethers, they have been taking funds from my accounts without my permission ( about {$2800.00} ). Once they realized it was a mistake on their part, they addressed the linking issue then stated its my fault that they took my money. In a normal world, this would be considered theft as its a mistake on their part.
Company Response:
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
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 have a Chase Amazon credit card. On XX/XX/XXXX a merchant placed a charge on my account for an off-road vehicle rental reservation for {$420.00}. A few days later, I requested a cancellation and the merchant refunded the same amount to the credit card on XX/XX/XXXX. On XX/XX/XXXX a charge was placed for the rental of a XXXX in the amount of {$500.00}. On XX/XX/XXXX the merchant refunded {$150.00} which was a contingency deposit that had been included in the {$500.00} charge. Chase seems to have applied the refunds to equal pay promotions in my account that were not due until several moths lates. The payments on the equal pay promotions were up-to-date. The refunds should have been applied to the statement balance, since my balance now shows the full amount of the transactions as due for payment. In addition, Chase created an equal pay promotion for an item that is being included in the statement for full payment. It includes a item that was returned. I first contacted Chase on XX/XX/XXXX and opened a case with a supervisor. Since then, I contacted Amazon and Chase on several occasions. A letter arrived in the mail on XX/XX/XXXX stating that Case did not make an error and cites guidelines they follow when additional payments are made to the account. Since these were refunds and not additional payments, they were incorrectly applied to promotional offers, in violation of a finance agreement I had with Amazon and Chase. The equal pay promotion that was incorrectly created has not been addressed. Amazon was contacted yesterday. They claim it was Chase who is responsible for both issues. A complaint ( negative feedback ) was created with Amazon. I have all documentation in my possession and available if necessary.
Company Response:
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I filed a complaint because chase bank was withholding my funds from me for no release other than what I believe to be Retaliation for file complaints about a different " government office or court office. I still have not recieved my funds. I attempted to pick up my funds in person on more than a dozen time and was given the run around despite being told that I could pick up the funds. They are holding my funds because they apparently don't have anyone to answer to.I want chase to give me the money which is my direct deposits from my employer, which they said they would not be excepting. They continued to except these deposits and rejected all of my auto payments that comes out of the account which has damaged my credit in a manger way, I was just denied an apartment rental due to my new credit score. They have also cause my loan to become due in full. I need someone to investigate these charges if you can't can you please tell me who can.
Company Response:
State: NE
Zip: 685XX
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A