Date Received: 2023-01-26
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: This is regarding a Chase in-app promotion via the offers they solicited as an upsell and the mailer I received. During an application for a business card in XX/XX/2023, a hard inquiry was made to my personal report rather than my business report. Chase advised me that they designed it to work that way even though the application states : # XXXX. I understand that when I accept this offer, Chase will post an inquiry to my credit profile. As a new and underrepresented business owner, it needed to be clarified what chase meant by my credit profile. They told the personal side, not the business credit profile. I called chase to ask that the inquiry be removed/deleted since it wasn't clear it was on the personal side, and I was informed under no circumstances would they do that even if the application was deceptive. I would like for them to please fix/update their promotional/marketing/application materials so that it is clear without any confusion that when applying for a business credit card, Chase will put a hard inquiry on the " personal '' credit profile. This would help new business owners better understand what is happening, incredibly since immigrants from different national origins ( many times without having a USA-based personal credit profile ) open new businesses at a higher rate than USA natural-born citizens, which can lead to discrimination that disproportionately impacts them if they were unaware that when applying for a business card, would affect their personal credit report and may also lead to higher declines due to their thin personal credit profile.
Company Response:
State: TX
Zip: 78727
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Received a call from someone claiming to be a process server representing a lawyer with XXXX XXXX XXXX. When i returned the call, they said they were the " litigation department ''. They said I owed money from an old card, would not tell me when the card was opened or closed, and told me that I had waived my statute of limitations when I signed up for the card by a " tolling agreement ''. They then said I would be served with a summary judgement and my wages would be garnished. They refused to send any verification, and they said that they were not required to disclose any information to me until " the discovery phase ''. They had personal information about me including my name, address, and the last 4 digits of my social, which they read to me but never required me to actually verify my identity, and never stated it was an attempt to collect a debt.
Company Response:
State: FL
Zip: 33409
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I worked hard to pay off debts and remove inaccurate information from my credit report. My credit report is showing I dont have any collections and I still can not get a credit card due to a card I have disputed due to inaccurate information and XXXX relief law. Its not my fault of XXXX caused me to get laid off and couldnt make bills. I have a job at XXXX XXXX insurance and have a great credit profile with 0 collections.
Company Response:
State: TN
Zip: 38111
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check for over {$57000.00} into my Chase checking account ( via their ATM ) on Monday afternoon XX/XX/23. It initially showed as the correct amount, {$500.00} was cleared while the rest was scheduled to clear in coming days. The next morning ( XX/XX/23 ) my online checking said that there had been a deposit error and the money was removed from my account. I went into the branch where they supplied me with a photo of the check and said that they could see it was a proper check and that I had endorsed it correctly, but that they had no idea why it hadn't been accepted. I asked for the check back and they said they couldn't give it to me or tell me why it had been rejected. I went home and called the issuer ( An insurance company called XXXX ) and they said that it was negotiable and that they would be happy to verify that with Chase. I told someone at my branch, who DID verify its negotiability with Principal, but said it was " too late now ''. I was told at first that I would get the check back, but yesterday I was told I would not get the check back. I reached out to Principal who said that they can't cancel the check and send a new one until after XX/XX/XXXX, and I just got off the phone with the escalation department at Chase who still has no answer for me why the check was considered non-negotiable. I find it outrageous that through no fault of my own I won't have my money for WEEKS and that Chase doesn't have to explain why they chose not to accept it. For what it's worth. my sister also received a check in almost the same amount from Principal and a different Chase bank accepted the check and the money, etc. without a hiccup
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: The below company placed a hard inquiry on my credit report for a credit card that I did not apply for. I have no accounts/ have never had any accounts with this company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: 76132
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I deposited a transferred check signed over after giving {$1900.00} to the person. I verified check and the issuing banks system confirmed the account was valid with funds to cover the amount. Chase took the deposit, placed a hold, lift the hold today released the funds than placed a block of XXXX my account and now opt to close it. First they asked me for contact info to verify the person signed the check over, I told them I didn't have that info available, after placing me on hold I get told the account is a fraud and all checks written are being returned unpaid, yet the system reflected the funds cleared on both sides. So chase now barred me out of account and took the {$1900.00}. Yet I can still verify the Physical check by the numbers, a fraudulent bank account would not come up as valid and funds available. Chase made a decision that is beyond their power, and have stolen funds due to me, I would like them back immediately, and they can take on the issuing party and the party who signed it over to me. I should not be out {$1900.00} that was paid to them after check was cleared. They held full amount for XXXX says with a lift hold date of XX/XX/23 which they lifted and released the credits today than took them with conflicting reasons. They are the party acting shady, what good would the other party confirmation of signing over check do if the account issuing said check was a full fraud, and why am I the one that suffered they have procedures and means to recover insured funds, I am out {$1900.00} and they just shrug it off.
Company Response:
State: MN
Zip: 55406
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Chase credit card opened in my name without my consent, or knowledge.
Company Response:
State: CA
Zip: 90712
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: XXXX XXXX Chase froze account. prevented me from purchasing XXXX presents. Same date Chase charged me a fee of {$100.00} I do not know why the account was frozen. I am not aware of ant debt as confirmed by XXXX XXXX XXXX of XXXX XXXX, Colorado. I want my account closed and the return of all fees to XXXX XXXX Thank you for your assistance.
Company Response:
State: CO
Zip: 80917
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: 2023-01-27
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: Chase is mishandling two disputes of {$100.00} from XX/XX/2022 for a Provider [ Dentist XXXX XXXX ] that has a history of documented consumer complaints. These charges need to be removed from my Chase Freedom XXXX XXXX XXXX XXXX. There could be possibly be a conflict of interest. I submitted documents to support my dispute but Chase simply held the dispute for some time and disregarded the evidence. The disputes were made because I paid in advance for XXXX but eventually cancelled because after doing more investigation it was determined that he damaged other client 's teeth including my mother 's. The first deposit was placed on the Chase card but the rest was paid with a different card. XXXX has a policy which allows for refunds for services not rendered. In addition I am submitting evidence from XXXX showing that XXXX offered the Provider a refund as long as he issued me a refund. The Provider took advantage of XXXX 's lack of authority as they stated to enforce a refund. I also provided to Chase on prior occasions emails where I asked the Provider for a refund and I informed him of the horrible work he did on my mother 's case but he ignored me.
Company Response:
State: NJ
Zip: 073XX
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX I noticed 3 unauthorized XXXX charges on my Chase checking account.The 1st transaction occurred XX/XX/XXXX in the amount of {$350.00} ; This charge declined. On XX/XX/XXXX there were two additional charges. Ive listed the info below for your review : Date XX/XX/XXXX {$490.00} XXXX XXXX, {$700.00} XXXX XXXX. I was told by the Chase representative that the charges were sent via XXXX, a feature/app offered to chase customers deemed a fast and safe way to send & receive payment. XXXX, requires the Chase customer to enroll in the service. To date Chase has not provided the date ( s ) in a mm/dd/yyyy format I allegedly enrolled in the program. Chase issued a provisional credit and retracted the credit. I continued to dispute these unauthorized charges but unfortunately To date, Chase has not returned my funds. Although my card number changed, I was recently told there was an additional transaction on XX/XX/XXXX in the amount of {$490.00} for someone named XXXX XXXX in New Jersey ). I am a senior citizen on a fixed income. I thought this issue was something Chase couldve assisted me with but to date they have not. Please help me locate the culprit that has caused additional stress, undue burden, and get my money back expedtiously.
Company Response:
State: TX
Zip: 76110
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A