Date Received: 2023-01-19
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: In XX/XX/2020, my account Chase checking account was closed abruptly. I suspect my identity was stolen as Chase representatives received alerts of suspicious money coming into my account of which I had no knowledge. I filed an identity theft claim with the state as it seems as if someone had used my account to apply for unemployment benefits. I did not notice the external transfer at the time as I was receiving legitimate unemployment benefits from the state of texas. Chase had explained to me that I had to identify the person that trying to externally access my account otherwise they would not release the approximate XXXX dollars I had in my checking account. I do not believe this was my fault as I did not get the chance to investigate the issue before my account was closed without prior notice or explanation. I would like to open a new account with Chase and would like the funds from my previous account if possible.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I filed a complain with CFPB XX/XX/XXXX CFPB XXXX. CHASE reference number XXXX Chase has once again denied my claim on XX/XX/XXXX. stating CFPB XXXX stating " customer advised PIN was written down in your wallet that you stated was lost '' I never said I had the pin written down anywhere, their representative " suggested '' and I said " Well no!, I have a code system that I can only decipher '' There is NO WAY people are able to know those specific codes because the ACTUAL PIN number WAS NOT written anywhere in my wallet. I had no problems with my other credit card companies and XXXX bank, they saw unauthorized transactions did in fact happened. clearly saw I was a victim of credit card fraud. If a reasonable instigation was conducted by Chase. They would have found, the fraudulent transaction doesnt match my purchasing pattern, such as types and amounts of purchases, with the consumers previous purchases. purchases/ withdrawals were not made relative to the my address and typical shopping venues Therefore, Id like to request a proper reasonable instigation, on said dispute said transaction, XXXX terribly dissatisfied with Chase handling my case. Briefly, Id like for Chase to please correct the error on my account promptly.
Company Response:
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: On XX/XX/XXXX, a call came to my wife 's cell phone from Chase Bank Fraud Protection stating that her debit card ending in xxxx ( correct numbers ) had been attached to a XXXX XXXX. The automated voice assistant said to press 1 to authorize and 2 to deny ( or something like that ). She pressed 2 and then the automated assistant stated a code would be sent from Chase via text and to enter those digits. My wife had issues understanding and following the instructions but the phone kept ringing and the texts kept coming. Finally she entered the code which then initiated the fraudulent withdrawals from our Chase account. Chase was contacted by phone immediately to stop the withdrawals. {$4800.00} was taken before it was stopped. The card was cancelled and new usernames and passwords created. Chase initiated the investigation and we were provided a preliminary repayment on XX/XX/XXXX. On XX/XX/XXXX, the refunds were reversed by Chase Bank. I contacted the Claims department and was told that because my wife provided the code to the fraudulent Chase caller, this was not considered an Unauthorized Electronic Fund Transfer. After researching Regulation E and visiting the local branch, I was told the same thing and that claim was closed. I filed a police report and then researched the definitions in Regulation E further ( XXXX ( m ) specifically ) and online legal opinions. I called the Claims department back and Chase returned the refunds to my account. I'm left feeling that if not for my pushback, Chase would not have returned the money that is clearly protected by Regulation E.
Company Response:
State: WA
Zip: 98335
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/XXXX at approximately XXXX XXXX ct I called the Chase travel rewards customer service line ( XXXX ) to inquire about Chase 's credit card points being value at a 1 for 1 valuation. i.e transferring XXXX points at chase, would be worth the same amount of points and money at United Airlines. This was confirmed to me by Chase that this would be the case. This phone call lasted 8 minutes until approximately XXXXXXXX XXXX ct. on the same day at XXXX XXXX I called United 's customer service line ( XXXX ) to inquire that what I was told by Chase during the previous phone call. The also confirmed that the points are valued the same at Chase and United. So that was confirmed twice in a matter of minutes, so I transferred XXXX Points to United for XXXX miles. I transferred the points to United because I am a XXXX XXXX XXXX XXXX XXXX and United Airlines is a Chase partner and also provides discounts to veterans. Once I started to book my flight with United and after the points were transferred, the valuation of the points between United and Chase became apparent. The points valued at Chase and through their travel program are worth roughly {$1700.00}. The value of of the points at United are now showing as only {$1000.00} for a loss of {$700.00} to me. I immediately called Chase to have the transfer cancelled again at XXXX XXXX on XX/XX/XXXX. A transfer request was submitted by Chase under reference # XXXX and was denied by Chase as all transfers were final with a decision being relayed on XX/XX/XXXX after XXXX XXXX ct. I called both united and chase for compensation and to escalate the issue further. A call pull request was submitted on XX/XX/XXXX to verify that I was given misinformation and am now at a loss of {$700.00}. The Call pull request and resubmission of the complaint was submitted by " XXXX '', an employee of chase under reference # XXXX. I was told by her subordinate, " XXXX '' that they would be able to compensate me the difference in points, but when I spoke with XXXX, I was told they would do no such thing.
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I submitted a fraud dispute back in XX/XX/XXXX for a unauthorized charges I did NOT make. However, in XX/XX/XXXX, I received a response from chase stated that I have to be responsible for the charge. THe detail of the transaction is listed as below : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-19
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: Card was charged for something you did not purchase with the card
Consumer Complaint: There was a fraud transaction on my Chase XXXX XXXX card ending in XXXX. Here 're the details provided by Chase fraud department agent : Merchant XXXX XXXX XXXX Amount : {$410.00} Transaction Date and Time : XX/XX/XXXX XXXXXXXX XXXX EST Method : Phone Merchant Category : XXXX XXXX XXXX Merchant Phone : XXXX Merchant State : CA On XX/XX/XXXX XXXX, I immediately called Chase XXXX department to report this fraud transaction and change my card number. By XX/XX/XXXX, I received my new card with new number, but Chase is still investigating into the claim.
Company Response:
State: WA
Zip: 98004
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: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I WAS NEGATIVELY IMPACTED BY THE COVID 19- PANDEMIC AND I AM REQUESTING THAT YOUR COMPANY REMOVE ALL LATE PAYMENTS FROM MY CREDIT REPORT PER THE HERO ACT ( SECTION 110401 ).
Company Response:
State: MI
Zip: 48021
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: on XX/XX/XXXX an illegal wire transaction from my chase bank account was done and the tranfer {$490.00} dollars from my account to another chase bank account, i was subject to a fraud and money was transfer from my accou, i gived all the information to my bank and copy of the police report and the bank still transferred the money and now chase bank is telling me that they cant do nothing about that .and all they can do is a courtesy call to the party that made the fraud because the transactions is already process, even though they have the other party info, my bank account is on chase bank , a police report is being issued and is a federal police case open but Chase bank did not provide any help gettimng my funds, i hold a busisnes account with CHASE for over XXXX years
Company Response:
State: FL
Zip: 33141
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I reported to Chase back on XX/XX/ that I detected fraudulent activities on my Chase Total Checking account. Upon knowing that information, Chase sat on my report and did not safeguard my account which later on I was affected by further unauthorized wired fraud charges. The sole reason for my hacked account to remain open was that I was waiting for Chase to overturn my temporary credit reversal on my checking account. Based on these particular transactions, XXXXXXXX XXXX XXXXXXXX XXXX XXXX clearly indicates a red flag that a hacker could be building a false identity. My XXXX XXXX XXXX XXXX XXXX XXXX was also hacked so the hacker probably have photos of me. Therefore, any hacker that can gain access to make purchases can make any charge appear legitimate. Making it easy for merchants to approve those charges, which makes it all the more dangerous. I was instructed over the phone by a supervisor name XXXX from Chases Claims Online Department to go into any local Chase branch and have any employee fax it for legitimacy. Chase branch faxed and mail the requested affidavit 3 separate times, the branch manager XXXX from the XXXX XXXX XXXX can personally verify that he took the necessary action to expedite the process. Chase still claims they have not received the fax to this day. As it turns out, Chase later admitted they would not have credited me {$280.00} unauthorized charge from XXXX XXXX XXXX charge due to some frivolous technicality ( must report within 60 days but has the courtesy option to file a claim ). If they had communicated that from the beginning instead of having me run in circles, I would have closed the hacked account by early XXXX, avoiding further fraud activity such as wire fraud that took place after XXXX. What makes this easy to prove is that the fraudulent checks did not have my actual endorsed signature on them. But what Chase should have at least done is to prevent any funds from going out such as XXXX payments. There should have been a restriction on all my recent activities from the day I reported this. According to Chases Total Checking policy, a minimum of a {$1500.00} balance in the account is required in order to avoid the XXXX XXXX monthly fee- if it was not for that, the hacker would not have been able to send out a payment of {$900.00} through XXXX because I would have withdrawn all of my funds out on the very day I reported the fraud activities. Any fraudulent activities after the XXXX XXXX could have been easily avoided if Chase did their job.
Company Response:
State: CA
Zip: 90068
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX I purchased XXXX air tickets with XXXX XXXX using my Chase Bank Sapphire Reserve Card that includes insurance for trip cancellation protection. Due to a XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX. On XX/XX/XXXX I submitted a trip cancellation claim with Chase Bank XXXX XXXX services via their e-claims on line. Claim # XXXX and their address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not paid the claim and continues to ask for the same documentation that I have already submitted several times. Specifically, credit card statements showing my loss of a cancellation fee of {$300.00} XXXX XXXX XXXX XXXX XXXX as well as XXXX XXXX cancellation policy. I have complied and submitted these documents more than once. Now, the claims administrator is asking for me to submit them again and a specific charge from XXXX XXXX to my card. The claims XXXX knows very well that the cancellation fees are deducted from the price I already paid for the airfare and the airlines do not send a separate bill for a cancellation fee. The XXXX XXXX has been attempting to make it impossible for me to receive compensation. Researching XXXX XXXX on line shows a terrible rating with hundreds of complaints like mine as they try to wear down the complainant to give up.
Company Response:
State: AZ
Zip: 85381
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A