Date Received: 2023-01-27
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I booked travel through chase rewards using points earned from past purchases in XX/XX/2020. Soon, all flights were cancelled because of XXXX. Chase offered to act on my behalf with my permission to cancel flights promosing to refund my balance. Instead they offered air credit through the airline i was supposed to travel with. Airline refused to refund even though the pandemic was ongoing. Chase refused to help or even file a claim.
Company Response:
State: CA
Zip: 95608
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was a victim involved with fraud on the night of XX/XX/2023. I received a phone call of someone saying they are chase and that my card/account was flagged for fraudulent activity and they needed to deactivate my debit card and instate a new one. I did not give any of my own information to them. They knew all my personal info and my account number for my checking account so therefore I thought it was Chase Bank. The only information they asked for was that in order to add my new card to my digital wallet since they claimed they deactivated my original one because of fraud, they would add it to my digital wallet and they would send me a code. A code was sent from chase bank and then when the call ended, I checked my email that night and saw transactions used at XXXX XXXX and a Chase Bank ATM in XXXX, IL. I immediately locked my card and tried calling Chase Bank but it was Sunday night at XXXX. The next day I filed fraud claims for those two transactions and got a new card. They did not tell me any other Information to get my money back except they will investigate. The next day I saw my money back in my account and thought that they completed it and knew it was fraud and everything was back to normal. A few days later I checked my account again and saw the money was taken out. I was shocked and confused and called Chase Fraud hotline and they said the investigation ( within 3 days ) lead to their decision it was not fraud. I asked why and was hurt by how the employee said it was my fault. After talking to XXXX XXXX management ( a gentleman named XXXX XXXX he said he did not find my transactions in their system under my name or the card info I gave because it was used under a digital wallet and when you use a digital wallet the XXXX numbers change with every transaction. Therefore he could do nothing for me to refund and its best to solve it with Chase. I called chase again and they did nothing but put me down and say it was not fraud. I asked what info lead to that and they said it was my device that was used to make these transactions. I have then decided to go to a branch manager in my local town of XXXX XXXX, IL and XXXX called the fraud hotline with me and we talked to them. They said I have to fax any support to prove my claim. Since they said they had no proof of a new device added my card to their digital wallet, I had an email directly from chase saying otherwise. It was a notification that my card was added to a digital wallet. The branch manager and I decided that was proof to go against what they were saying and faxed it in. I also faxed in my own proof to support my claim and then called Chase Bank fraud online hotline for an update and they told me again my claims were denied. They said what I sent in was not enough to support my claim. The guy told me rudely multiple times I dont know how things work because it was my digital wallet. I asked him how he knows it was mine because I for sure didnt make those transactions and he could not give me an answer. After being super upset with how he was talking to me, I asked to speak to a supervisor, a woman answered the phone and she did the same thing. She ignored my complaints with how they said they didnt receive my proof and I asked then how do I help myself since you guys arent helping me. She said they dont call merchants for their investigation and that they do their own looking. I asked how they knew it was my device and she said they dont. I said then this is not right if you dont even have your own proof to blame me. I have been harassed and not helped by Chase, its been ongoing to fight for my money back {$400.00} and I dont know what else to do if they keep saying they dont receive my faxes of proof I keep sending. I was told to try to do a complaint and I guess we will see if this helps at all. I want to close my account with them but I want my money back since this was fraud and they are denying me with barely any proof and wont accept mine.
Company Response:
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I had a Chase Freedom Unlimited credit card for years and have used this card just occasionally ( i.e. at most a few XXXX dollars per year in the fast few years ). However in XX/XX/XXXX, my friend mentioned to me that the Chase freedom Unlimited Credit Card will have 5 % Cash Back if using XXXX as the payment. I never paid attention to this promotion and was concerned that the credit card I have will not qualify the promotion for cash back. For safety purpose, I would like to call the phone number at my credit card to confirm that I am eligible for this promotion. I called right away and was confirmed that the Chase Freedom Unlimited Credit Card was having the 5 % promotion using paypal at checkout and this promotion would expired on XXXX XXXX, XXXX. I am very excited to get the confirmation and started to use this credit card for the remaining rest of the year, XXXX XXXX XXXX XXXX. I spent $ XXXX $ XXXX {$3700.00} in total. I was expecting 5 % cash back of {$180.00} however I found the cash back shown in my card is only 1.5 % at {$56.00}. I felt confused and called Chase again for the clarification. The 1st lady who talked to me said it's 5 % Cash Back. But she was confused also after I asked her to check out my account for cashback. Then she asked XXXX, her supervisor, to contact me on XXXX XXXX, XXXX and XXXX told me that my credit card does not qualify for the 5 % promotion cashback. I asked her why chase representatives confirmed with me that my card is eligible for the promotion? XXXX told me it's my responsibility to know that my credit card did not have the quarter promotion and I should not account on the Chase representative 's word. I am confused and it looks like that XXXX believed that the representatives told customers useless information, not professional at all.
Company Response:
State: CA
Zip: 92127
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Was released from the hospital on XX/XX/XXXX contacted Chase JP Morgan via phone to pay bill spoke to a rep she took my information and stated she was gon na take care of my payment notice a few days later the payment wasn't taken out of my account to learn she didn't process the payment that cause my account to be one time 30 day late on all 3 credit bureaus.
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On Wednesday, XX/XX/XXXX, I logged into my Chase card app and elected to pay the minimum due on both of my cards, which was {$40.00}. That payment was processed the same day and posted by Friday, the XXXX. Payment was due on the XXXX. On Monday the XXXX a random payment of {$170.00} was taken out of my checking account and applied towards my Southwest CC with Chase. This payment was never authorized and made after the minimum due was already processed. The company is trying to say that because I was enrolled in autopsy, I have no say in this transaction but I still have proof I paid before the due date and that it was posted. I will note that the {$170.00} amount is completely random, was not even related to my remaining balance on the card, and that NO additional payments were made on my second card with Chase, even though both cards have the same due date, indicating to me that a human must have pushed that payment through. There was also a payment in XXXX of ~ {$560.00}, which I didn't authorize but was willing to accept as a typo on my part since I had gone in to raise my minimum due to {$50.00} in light of the Fed interest rate hike... But now that payment seems suspicious under the current circumstances.
Company Response:
State: CA
Zip: 95128
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Money was not available when promised
Subissue:
Consumer Complaint: On XX/XX/2023, I sent a money transfer in the amount of {$50000.00} to my sister 's account in XXXX. The transfer was cancelled by the correspondent bank for some unknown reason and sent back to my account at XXXX XXXX. The money has not yet been returned and I am very worried because they do not provide me with any information. As a result of my investigation, I found out that the money is in the American bank J.P.Morgan. I ask you very much to understand this situation and help me.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have been a Chase customer since XXXX. They are my major depositing bank for my personal account and business accounts. I have XXXX personal credit cards and a business card with them. As many, I got laid off just before the pandemic and decided to open up a business in XXXX however the next year the world shut.. So we used are credit cards to survive. Business is getting up to speed and growing. Throughout the whole pandemic, I have struggled with some of my creditors HOWEVER has ALWAYS paid Chase due to my longstanding relationship with them ( sometimes at the detriment of paying others )! Today, XX/XX/XXXX I was reviewing my personal Chase accounts and notice that my XXXX XXXX XXXX ending in XXXX has {$0.00} available credit ( which I deemed odd since I recently saw it has credit available and I had just also made a payment on XX/XX/XXXX and was Current! ) Then I notice the same with my XXXX card ending in XXXX? I called Chase credit card customer service and was transferred to a XXXX at XXXX XXXX @ XXXX XXXX on XX/XX/XXXX. XXXX reviewed my account and said that due to the high balances on my cards and some negative items on my recent credit, Chase is shutting down my XXXX cards. I explained that despite the financial struggles, despite the pandemic, I have " Continued to make my payments on time and was late of recent but made my payment to catch up within less than 30 days.. This was due to my XXXX XXXX relationship with Chase ''. He said it didn't matter and provided me with an non-sensical example of " if I lent you {$500.00}, I should expect to get paid the {$500.00} in a reasonable amount of time '' to which I responded " no, because that's a loan which implies a fix timeframe, we're talking about Revolving Credit which doesn't have to be paid off and the bank make MORE MONEY if I don't ever pay it off ''! The bottom line is that I feel that by Chase taking this arbitrary act against me because " I owe and been behind with OTHER banks '' that has not only limited me on credit but WILL CAUSE A NEGATIVE CREDIT IMPACT THAT DIDN'T HAVE TO BE THERE SINCE I CONTINUOUSLY PAID THEM!!! I am requesting your assistance in requesting that Chase Reconsider this act and prevent them from putting a negative " Account Closed by Creditor '' on my credit report. If I were negligent in my responsibility to Chase then they can take action to shut my down and affect my credit.. but this act will put an unwarranted Blemish on my credit with a creditor that I am maintaining a good standing and have done nothing wrong but KEEP PAYING THEM HIGH INTEREST CHARGES! Regards
Company Response:
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am filing a complaint about incompetence that Chase Travel demonstrated through the cancellation of a flight. I have not received my refund despite over 10 calls with Chase Travel agents. XX/XX/XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Itinerary # XXXX Ticket number with chase travel : XXXX Here is a timeline of what happened : XX/XX/XXXX I contacted Chase travel about cancelling an upcoming flight. It was for a trip to visit my family in XXXX but unfortunately they all contracted XXXX XXXX. They told me to send an email with my family members proof of positive tests to XXXX, which I did the same day. They claimed to have sent the test results to XXXX XXXX XXXX to see if I qualify for a free cancellation. XXXX I called at least 5-6 time to follow up on my email. However, there was no update from Chase XXXX, despite the urgency from me to get a response, because XXXX XXXX offered free rebooking of my flight until XX/XX/XXXX and I essentially missed that deadline because Chase travel told me to keep waiting for XXXX to get back with a response to waive the cancellation fee. XX/XX/XXXX I called Chase Travel again because I have officially missed the free rebooking deadline and at this point, I was out of patience so I requested to cancel the flight and pay the cancellation fee. The agent cancelled my flight and charged {$200.00} cancellation fee to my account, and told me that I would receive the refund to both my account and points within 5-7 business days. XXXX XX/XX/XXXX I called 2 more times and was told that they are still working on the case and I should just wait. Every time I called, the agent said that they will follow the case and give me a call to update me in 2-3 days, but I have never received any calls from them. And every time I call them, I am assigned to a new agent and the cycle begins again. To date : I still havent received the refund after 25 days since cancellation, despite already having paid the cancellation fee. And there has been no word from Chase Travel.
Company Response:
State: NY
Zip: 10009
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: On XX/XX/XXXX, I went to Chase Bank ( XXXX CA ) and requested that {$25000.00} be deducted from my Traditional IRA Account and that {$10000.00} be deposited in my saving account, {$10000.00} be forwarded to the IRS ( to prepay XXXX tax ) and {$5000.00} be forwarded to the Franchise Tax Board ( CA ) to prepay XXXX state Tax ). The IRS received the {$10000.00} and credited by account and my savings account was also credited with a {$10000.00} deposit. I assumed the XXXX had also received the {$5000.00} and would credit my account. In XXXX, XXXX, I filed my California Form # XXXX ( personal Income ) and submitted the IRS Form 1099-R which I received from Chase Bank indicating that {$5000.00} of State Tax was withheld. In midXXXX, XXXX, I received an Income Tax Due Notice from XXXX that I owed {$5000.00}. My total tax for XXXX was {$8000.00} and I paid {$3000.00} at the time of filing, believing that the {$5000.00} which was deducted from my IRA account made-up the total of {$8000.00} FTI acknowledge receipt of the Form 1099-R but said that the cash was never received and that the Form 1099-R was just a piece of paper and that I still owed the {$5000.00}. When the Final Notice Before Levy and Lien was received ( XXXX ) I pay the XXXX {$5600.00} ( which included a penalty of {$580.00} and Interest of {$100.00}. Chase says it sent the money ; IRS says it didn't receive it. My XXXX account # is XXXX My SS # is XXXX How do I get my {$5000.00} back?
Company Response:
State: CA
Zip: 91103
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Deposited {$700.00} into my savings account from my checking account on XX/XX/2023 with chase bank. The next day I look on my mobile Chase app and my Savings account is gone and my {$700.00} that was transferred the day before is nowhere to be found. I called chase customer support and they said the account was closed due to me having no money in it for 60 days. I was never sent an email or a notice about this account being closed. They said the transfer to my savings account failed. But the money was never sent back to my checking account. They said it would take 1-2 business days for the money to be return to my checking account. Im very concerned and stressed out about this money because it was my rent money and i need it back to pay my rent. I went to the branch expecting them to reimburse me with a check and they said they cant do anything, and i just have to wait. its extremely unfair i was never informed about this account being closed and my money was not put back into my checking account.
Company Response:
State: AZ
Zip: 85120
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A