Date Received: 2023-01-21
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: I applied on-line for an XXXX XXXX XXXX XXXX XXXX XX/XX/2022, I received a email letter from XXXXXXXX XXXX requesting for additional information to process my application. Before responding to said request, I call the bank spoke to a XXXX bank agent about the letter, in addition said agent confirmed that my application would be approved timely after additional submitted additional has been processed. Was not approved. Not only XXXX XXXXk employed agent was not truthful in his statement, he failed to mention that JPMCB Chase bank would also take part in processing the application which has resulted of my receiving Two WRONGFUL Hard Hit inquires - both from XXXX and Chase Bank. Due to what appears to be an unscrupulous practices, I will never request and/or apply for any products or services from both said banks
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/2022 contacted XXXX services in regards to unauthorized inquiries showing on my XXXX credit report. XX/XX/2022 XXXX XXXX ( not authorized ) XX/XX/2022 XXXX XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card service
Company Response:
State: FL
Zip: 33430
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I rented a car in XXXX and the car rental agency made a fraudulent charge to my card for a fake damage claim. I provided the credit card company with a mountain of evidence about the fraudulent activities at this rental car company but they simply ignored my dispute and quietly snuck the charge back on my statement about 60 days later on XX/XX/XXXX. This is absolutely criminal fraud, there is no way I am legally responsible for it. I have provided a huge amount of evidence and even before and after pictures of the car. Online reviews show that this company is completely fraudulent, basically they charge all renters huge sums for fake damage on their old broken cars. It's also relevant that the company charged my card XXXX DAYS AFTER RETURNING THE CAR. This alone should not be allowed. I have extensive photos of the car upon return but this form doesn't allow XXXX XXXX.
Company Response:
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XX/XX/2023, I logged into my Chase account ( I have been a Chase Freedom credit card holder for nearly 20 years ). I saw a banner that said I had been " pre-approved '' for the Chase Sapphire Preferred card. I decided to click on that, and Chase, already having all the info it needs about me, only asked for me to update my annual income ( I listed around 300K ). My credit score is well above 700. Despite the unambiguous statement that I was already preapproved for the card, I was not. My credit card application needs up to several weeks of further review. Had I known that, I would not have applied, I would not have consented to a hard pull. I contacted Chase to complain about the misleading advertising and I was told, essentially, too bad. They also would not let me cancel my application.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: My check has been garnished and debt almost completely paid. XXXX XXXX Was told debt was from an account with Washington mutual bank. That bank closed in 2008. I have no idea what debt is for. I filed bankruptcy in XXXX. Tried to do paperwork to have someone explain to me why I owe this and filed wrong paperwork. Tried to hire an attorney and paid for legal work that has not been done and no refund issued. XXXX $ there. Almost XXXX in XXXX months over XXXX ... .still no answers.
Company Response:
State: MN
Zip: 551XX
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hello, I have a checking account at Chase. The account is also my direct deposit account for my salary and default account for all my credit cards payments. As of today, there are around XXXX dollars in the account. I didn't know my account got locked/freeze until today ( XX/XX/XXXXone of my credit card company told me my balance is past due. I went to Chase and other credit cards account and then found out all credit cards payments got returned since first week of XXXX. So I called Chase. Two representatives and a manager talked to me, which took me 2 hours. In conclusion, Chase told me my checking account is locked, due to an investigation. The investigation started on XX/XX/2023, and no one from Chase told me that. After over two weeks, the investigation is still ongoing and Chase can not share any details regarding the investigation and Chase doesn't know how long it still need to investigate. The only thing they are keep telling me is I need to keep wait and I can not withdraw any of my salary. That's XXXX dollars, and I need the money to pay my family expense and pay credit cards. I have XXXX kids at home and now I can not use my salary money. The only thing I got back from Chase is KEEP WAITING. Please help me, I don't understand if there is an investigation why can not they share details and let me provide feedback so they can solve this faster. And plus why I can not use my own salary money. I need the money to pay my family expenses. Please help me, I really don't know what I need to do. Please let me know if you need any more information. Thank you!!
Company Response:
State: IL
Zip: 60605
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Between XX/XX/XXXX till XX/XX/XXXX I was " scammed '' by a gentleman identifying himself at an officer of the Federal Trade Commission of the USA, XXXX XXXX. During this time frame I was directed to make multiple cash withdrawals from the Chase checking and savings account. I was told my identity had been stolen and it was used to create at least 10 bank accounts that were now being used. To demonstrate my innocence to this man/process, I was directed to " secure my account or secure my funds '' by withdrawing cash from both by checking and then savings account. Over the period of days I withdrew XXXX. I feel frustrated in that while I have reported this to the local police department in XXXX WA, the Federal Trade commission website and multiple departments with Chase Bank there is no help for this type of crime. There is NO restriction from banks on withdrawing large sums of money on a daily basis. There is no check by the bank locations to screen for possible fraud/scam when unusual amounts of money are requested on a daily/bidaily basis. I do have copies of bank withdrawal slips and also receipts from the Bitcoin ATM machines in XXXX WA that I placed the thousands of dollars in. I also have 2 phone numbers that were used by the Scammers to call me/text me to about this crime that was committed. The FTC Officer was XXXX XXXX His phone numbers use were XXXX XXXX and XXXX
Company Response:
State: WA
Zip: 99223
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XXXX I responded to an Offer Up listing for a second-hand XXXX XXXX called XXXX XXXX XXXX It came with a XXXX XXXX and it was listed at {$1700.00}. That is a pretty good price for that combination. Me thinking that I could purchase it and resell it on XXXX, I responded to the advert. The gentleman from the listing was named XXXX and he was located in XXXX XXXX, Utah. He responded about 45 min after I enquired about the product. He told me that he could send me photos on my phone if I was interested. I promptly agreed, and he sent me photos from his phone number ( XXXX ) XXXX. The pictures came in and the XXXX looked to be in good shape. I was eager to purchase the unit. He said that if I was interested in doing the transaction via XXXX. I told him that, to avoid anything weird, I would much rather wait till he got to XXXX and either gave me a call or texted me when he is shipping it and I'd get the tracking number off of him then and then I would make the transfer via XXXX. He agreed and we left it at that till XXXX. He then proceeded to let me know that he already had shipped the unit out earlier during the day due to him having a bit of a break at work and that he had the tracking label. He then proceeded to notify me that he would feel safer if the tracking number was blurred out until I sent the XXXX payment. He sent me a photo of a Tracking label and a XXXX receipt that both had tracking labels blurred. Both the receipt and the Tracking label had XXXX on them and my name and address and all the information detailed, as I had already given my information to him so that he could give me an estimate for shipping from Utah. Not thinking that this was a weird maneuver, I promptly agreed and asked him for his XXXX information. He gave me an email address. XXXX. He had notified me that I was to send the XXXX to that email address because it was a business name. Before sending it to that address, I noticed that it said XXXX XXXX. I didn't pay any attention to it as I was eager to get the purchase. I sent him a total of {$1700.00} ( XXXX TRANSACTION NUMBER : XXXX ). The price of the XXXX plus shipping plus gas to get to the XXXX and drop off the unit. He then responded 30 min later saying that he was driving and that nothing came through yet and that it seems that we need to give it some minutes to process. And then he asked me what it says on my end. On my end, it said that the money had been delivered and I sent him a cropped screenshot of my bank ( JP Morgan Chase ) confirming that the money had been delivered. He then proceeded to send me a screenshot of his bank app. It said that the {$1700.00} payment had failed and that it was being refunded in 3 business days. That it was being sent back to me. I then thought that was weird, as I have done {$2000.00} dollar transfer before via XXXX and it worked out great. I proceeded to Tell him that I would try it again. But that I had a daily limit of {$2000.00} dollars on my XXXX. He said, if I could try to send it to his wife. Her name is XXXX XXXX ( XXXX ). I agreed that I would try to send it over to her. When sending money to her XXXX account, I noticed that I was only able to send a Max daily limit to that account of {$500.00} dollars. I notified him of this issue and told him that I would send the {$500.00} dollars today and tomorrow I would send the remaining balance. He agreed, as the XXXX of XXXX was a Holiday. The {$500.00} dollars ( XXXX Transaction Number : XXXX ) went through from my bank and I still owed the remaining balance of XXXX. ( {$500.00} + {$1200.00} = {$1700.00} the total of the XXXX and XXXX ). The following day, I sent him two payments of {$620.00} ( 1 ) ( XXXX transaction number : XXXX ) ( 2 ) ( XXXX transaction number : XXXX ). I had thought that maybe his bank were rejecting my XXXX due to a large transaction all at once. So I had told him that I would split up {$1200.00} into two transactions and he agreed. My bank did flag this transaction and called me. But not thinking that there was a scam commencing, I spoke to the gentleman, and I told the bank that it was a legitimate transaction. Both of my transactions went through on my end, but he again sent me screenshots from his mobile app that showed rejected and sending back to my bank in 3 business days. He then proceeded to notify me that he had to put the package on hold on the XXXX app until the matter got resolved. He proceeded to share with me a screenshot. I told him that I understood and that the only other option was for me to send him a XXXX transfer of the remaining {$1200.00}. He was initially reluctant to the idea. According to him, he wasnt able to get access back to his account because it had been a while since he used it. An hour later, I received a text from him stating that, his work colleague had an account and that if I was comfortable, I could send her the {$1200.00}. I was annoyed and just wanted to get this transaction over with, so I promptly agreed. I sent {$1200.00} ( {$1200.00} plus XXXX fees ) ( transaction ID : XXXX ) to his colleague ( XXXX XXXX ) via XXXX friend. I used XXXX XXXX to make the transaction. 30 minutes later, He notified me that the payment had gone through and he had removed the hold on the package from XXXX and it should be delivered on XXXX The package never came and it never has. I was ghosted by XXXX. I promptly contacted Chase on XXXX and they told me that they were going to try to retrieve that money and to wait for 3-5 Business days. I never got word back from Chase until XXXX when they said that their pursuits of retrieval were unsuccessful and that I needed to file a report via XXXX. So I promptly filed multiple reports for all of the transactions with XXXX on XXXX On XXXX I recieved a response from XXXX saying they can not help me and to contact my financial institute. I am aware that EFTA Regulation E protects me in these matters, but anything to help me would be great. Thank you!
Company Response:
State: CA
Zip: 90731
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: My phone was stolen. My Chase Sapphire card supposedly has insurance for this sort of event. They subcontract XXXX XXXX XXXXXXXX to provide the insurance. XXXX line is a horrible company that denies every claim for frivolous reasons or no sometimes reason at all. In the case of this particular claim it appears they have engineered the system to defraud all XXXX XXXX users of their benefits. They keep demanding a credit card statement that matches the card number on my receipt for the stolen. This is impossible. I used XXXX XXXX to purchase the stolen phone. The XXXX XXXX card number does not appear on the statement, only the main card number appears on the statement. Furthermore, XXXX XXXX card numbers are unique for each device. I no longer have the device I used to purchase the stolen phone. It is impossible for me to find that card number or to get any statement that matches it without the assistance of Chase but Chase refuses to provide assistance. This results in unwarranted automatic denial for any claim for XXXX XXXX purchases. There is no disclaimer that says XXXX XXXX purchases have no benefits. Even if I had the device that I used to purchase, the device does not display the full card number and the Chase statement doesn't include XXXX XXXX card numbers. I am attaching example screen shots from the device I currently have which has yet a new number I can only see the last four digits of. This is how it works and consumers have no control over this whatsoever.
Company Response:
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have been having multiple issues with chase recently the biggest one is FRAUD. How chase bank handles fraud is ridiculous they dont really look into the case and quote on quote solves the issues within 5 days which to me is very little time for a fraud case. I have had a total of XXXX fraud cases for XXXX from XX/XX/2022 in the amount of XXXX, XX/XX/2022 in the amount of XXXX XXXX XX/XX/2022 in the amount of XXXX XXXX and XXXX on XX/XX/2022 in the amount of XXXX XXXX All of these were solved in 5 days which is one not enough time, XXXX they ask for more information to be sent through the mail which takes 2 days to receive so that alone is not at all fair. All of these were ruled as not fraudulent which chase has allowed XXXX to be taken from me at which I have done everything I have sent them information through the mail as they request but they say they never receive the information, I have filed multiple police reports regarding this issue and still chase will not reverse the transactions and take money which results in my account being negative. I have seen I am not the only person who banks with chase to have these issues with chase not taking fraud seriously. If needed, court will be an option as this is ridiculous. I want those transactions which is fraud to be given back to me which the total amount is XXXX for those 5 months that is all I am asking as I have cooperated and sent information it is not my fault the bank did not receive that information and doesnt allow enough time before they make a decision on a serious issue. I also want all the insufficient funds fee reversed on XX/XX/2022 as I got paid but those fees put me in the negative again XXXX $ insufficient funds fee is a ridiculous amount. You all said the limit was refused but that is not okay as you all took The total is XXXX $ even though the negative balance was paid off not I am negative again. When you all send mail XXXX dont get that mail piece until about XXXX days at which you all in that time frame close the case which is not at all fair. Please give me my money back. Thank you.
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A