Date Received: 2023-01-19
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Applied for a XXXX XXXX XXXX XXXX card which was running a XXXX pts reward offer during XXXX XXXX. This card is through JPMorgan Chase Bank. I applied for the offer on XX/XX/25 and did not receive an immediate answer. My understanding is that I would receive an answer by mail within XXXX to XXXX days. I did not receive any correspondence with determination from Chase. I decided to reach out to them in order to get some answers. It was determined that my application was denied because they could not verify my addressing information and said it expired. I was very upset and explained that they failed to reach out to me for the opportunity to verify that information. They said I could reapply but the offer was gone and I could only apply for the new lower offer of XXXX rewards pts. I felt slighted but said I have no problem taking the lower offer. However, reapplying would hit my credit report again which already has their hard inquiry listed. I was told that they would not be able to remove the first inquire. I was then sent through a phone call transfer rollercoaster by several agents who could not resolve my issue or present a fair solution. As of today I have still not received any letter of denial from JPMorgan Chase Bank.
Company Response:
State: WA
Zip: 990XX
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2023, I was victim of fraud. I received a call from chase asking me did I authorize a transaction on my account, and I said no to the automated system. I then received an email that my debit card had been added to a XXXX XXXX wallet at XXXX. I don't own a XXXX phone, so I got in my car and drove to the nearest chase bank, and I got there at XXXX. Once inside the bank the chase employee that I was speaking to about the suspicious activity told me to open my chase app on my phone and he noticed that transactions were happening minutes before and while I was in the bank and they had taken {$11000.00} dollars from my checking account, so he helped me shut my account down and change all my accounting information. He called fraud services in front of me and explained to them what was happening and that the person that got a hold of my debit information had a XXXX phone and he informed them that I didn't have a XXXX phone, that I had an XXXX. The fraud person asked me if I had let anyone use my debit card and I stated no. He told me that I was insured and not to worry and that I had fraud protection, and the money would be returned in XXXX business days. I waited 3 days, and I called XXXX XXXX XXXX just to see if they found out anything, they told me not to worry and I would receive the credit for the money. I waited for 10 days, and I called fraud services XXXX at XXXX and they told me that my claim was denied because my information hadn't changed, like email, address or phone number and they can't prove that it wasn't me. I called the bank that I went to on the XXXX of XXXX and the relationship banker called the fraud team and explained to them that the transactions had been overseas transactions because there were foreign exchange rates on my account from the same name that posted the XX/XX/XXXX which clearly wasn't me. The transactions were happening and posting after i received my new banking information. The banking officer told me that this was very strange, and she was asking the fraud team to issue me a credit because she could see that it wasn't me and I was standing in the bank as this was happening to my account. The fraud team told me that the case was closed and that it's not able to reopen. I reported the suspicious activity and was told that I was insured then told that they wouldn't honor their motto of the protection services. As the bank can see all the transactions were foreign exchange transactions
Company Response:
State: WA
Zip: 98092
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Somehow, an Amazon/Chase credit card account was evidently opened in my name. I have been caught in this for about 4 months. I called Amazon, they said I had to call Chase. I have called them 2 times. They told me that the card would be canceled. I don't even know the card number. They say I owe {$32.00}. They told me they would cancel the charge and cancel the card on both calls. Yesterday, I got the same bill as when this started. I don't know what to do. thank you
Company Response:
State: MS
Zip: 39564
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: Trouble during payment process
Subissue:
Consumer Complaint: I pay my mortgages every month online. I am never late. I have good credit. I paid one of my HELOCS on XX/XX/XXXX for a home in New Jersey at XXXX XXXX XXXX, XXXX XXXX. XXXX days later CHASE extracted XXXX rather than the roughly XXXX dollar mortgage. If I did something like this, I would have to pay XXXX times and it would be crazy to do! My bank is XXXX XXXX. I had no funds due to that large withdraw from CHASE. I begged XXXX XXXX to stop payment. They weren't sure it could be done as the payment was being processed. I then called Chase. The woman told me she would try and stop it from there end. XXXX XXXX was able to cancel the payment. CHASE kept all but XXXX to apply that XXXX payment. It created a glitch in their system where it looks like I owe back to XXXX of XXXX. I am being dunned and my credit is going to show poorly. I have been in contact with the XXXX XXXX who said they were working on it. A week from last week, yesterday, they told me to pay XXXX. I told them I would but said with that glitch in the system that they created, it looks like I owe XXXX and the payment won't be successful as it is insufficent an amount to accept. I was right. It didn't go through and the guy tells me I sound frustrated. I wrote to XXXX XXXX on XXXX who looks like their new CFO which is how this XXXX Customer Service division called me. However, I am in XXXX for XXXX months and my payment activity shows current. They are after me. This is wrong, wrong, wrong. I have never missed a payment. I am XXXX XXXX XXXX and this is abuse. Please help. XXXX XXXX XXXX XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX
Company Response:
State: PA
Zip: 19446
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: Banking errors
Consumer Complaint: On XX/XX/XXXX my checking account had an unauthorized withdrawal of {$3000.00} with a fake signature. I discovered the unauthorized activity and reported to Chase on XXXX. It was said the withdrawal happened in Michigan. Today is XX/XX/XXXX, more than 10 business days passed. Despite of three phone calls with Chase ( 1.5 hrs in total ) and two visits to local branch, there is still no refund of the {$3000.00}. The 1st line of defense of Chase needs immediate training on cooperating with the fraud activities. Customers should NOT wait this long for the bank 's mistake to be fixed. I no longer feel safe to keep my money in Chase.
Company Response:
State: TX
Zip: 75013
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: My business wrote a JP Morgan Chase check to one of our vendors for {$2600.00} and we mailed it. Somehow, someone got a hold of this check & used a XXXX XXXXXXXX XXXX mobile app to cash it. We have positive pay, the check and amount we listed so Chase cashed the check. It was clearly not signed for by our vendor, it was an individual. I submitted the claim with Chase on XX/XX/22. They said it would take 90 days to investigate. At 90 days I called & they said it takes 120 days. Today I received a letter from Chase saying that after 90 days, if XXXX XXXX XXXXXXXX doesn't respond, and they haven't, that they ( Chase ) will close the claim and my funds " will not be recovered ''. This doesn't seem possible or just. Can XXXX XXXX XXXXXXXX just sit on this request, not reply, and leave my small business with no recourse?
Company Response:
State: NV
Zip: XXXXX
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: Lost or stolen check
Subissue:
Consumer Complaint: On XX/XX/2022, approximately XXXX XXXX midnight eastern time, a perpetrator broke into our condominium 's mail box with a stolen XXXX master key. He was able to open all the mailboxes and stole all the packages, mail, and monthly common charge checks from the building. This person then washed the check with chemical and changed my check 's name, amount of {$250.00} to {$2500.00}, and memo but kept my signature on the check The check was then deposited into XXXX XXXX Bank. I filed a claim with Chase bank and also filed a police report immediately as soon as I found out. They told me I have to wait 90 days for Chase to investigate and contact XXXX XXXX. I haven't heard anything within 90 days so I called Chase for an update and they told me XXXX XXXX 's didn't respond to Chase 's claim. And they told me that my funds wouldn't be recover if XXXX XXXX doesn't respond. Chase said they aren't responsible for it anymore. I attached all the evidences and documents that the bank told me to fill out. Please help me recover my funds as both banks are denying responsibility to help me on my claim.
Company Response:
State: NY
Zip: 11220
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: 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 signed up with the following moving company in XXXX to move us from XXXX XXXX XXXX XXXX United States XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX XXXX XXXX : XXXX XXXX : XXXX I decided to do it on my own so we cancelled in the XXXX hour window. I submitted the cancellation email like they requested and waited for my refund. I didn't hear anything for a week so I reached out and asked for an update. They said they were processing my request. Then nothing happened so I followed up again and they responded saying it would be handled by Monday. Nothing happened so I filed a dispute with my credit card company who is Chase Bank. They told me they would take care of it and they removed the {$2600.00} charge from my card. I didn't hear anything from them till XX/XX/XXXX saying the dispute was closed and we were responsible for the money. I called right away and gave them the supporting documents that I had ( they never asked for them or reached out to me the entire time ). Since then I have gone back and forth with Chase and every time I call in I get a different answer. Some say it is being resolved, some say they are opening the case, some say it is closed. I never get any calls to update me and the messages they send in my account have been XXXX in 6 months. All those messages had nothing of substance either. They have not followed up at all and in a timely manner. This was not handled in the way it was supposed to be according to the Fair Credit Billing Act. They said they did an internal investigation and said they did everything right but they didn't do anything. This is a charge for services that were never delivered.
Company Response:
State: SC
Zip: 29036
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I went in to a chase branch on XX/XX/2023 to withdraw funds that was made available that day after waiting 14 business days. I went to withdraw XXXX with my ID and a withdrawal slip when the teller refused to give me any money because I didnt have my physical debit card with me. I explained to her that I been a chase client for over 25 years and I have never had this problem or was told that before and I asked for a manager. The manager then explained that I can use two forms of identification if I dont have the debit card which proves that the previous teller lied to me and discriminated against me. Shortly after I provided the two forms of identification the manager ( XXXX XXXX XXXX vice President branch manager ) now tells me my account is restricted but I didnt get any notice from chase about my account being restricted untill the tellers did something wit my information I gave them. After I asked for further explanation I was just turned away and told to go to the other side of the bank without any direct help or courtesy. I was treated like scum or like I was committing a scam. As I asked for their names because I didnt like the service I was receiving and I want to make a complaint they then ran away from me and took their name tags off then threatened to call the police on me because I asked for their names and ID numbers. I then waited for the police because I wanted an official report for what happened to me but it was only security for the mall that showed up. Security helped me get their names after they refused to give it multiple times. My complaint is about being discriminated against and lied to by the teller XXXX XXXX on the policy of the bank, I asked for her to show me the policy that stated her claim and she could not show it and then the manager proved that she wasnt helping me to her fullest, I also was discriminated by not being helped in an appropriate manner, I then was threaded to be kicked out and arrested for going to my own bank to withdraw money. I was not hostile, I did not act out of character. The branch is XXXX XXXX XXXX XXXX, NY XXXX
Company Response:
State: NY
Zip: 11203
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: 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: {$170.00} XX/XX/2022 at XXXX ( country ) I was flying from XXXX ( XXXX ) to XXXX ( XXXX ) I purchased a ticket using XXXX XXXX that included 1 free baggage. While checking in XXXX representatives demanded that I'd pay for the baggage that I already paid for. I had only 1 piece of baggage. They held me hostage. Either you pay or you will not fly. Being in foreign country and felt a XXXX and being blackmailed I had no choice to pay. When I came back I opened a dispute with Chase Bank ( Credit Card services ). I was told that because I signed and paid, they can not do anything. When I asked if they did any investigation as I have a proof of paying for the baggage, they told me that if I signed ( even being blackmailed and felt XXXX ), I must pay. I asked what if they had a XXXX to my head. Chase CC services told me that I still would need to pay. I believe Chase CC Service must conduct investigation to confirm that I already paid for the baggage and credit me back. That's OUTRAGEOUS what they told me.
Company Response:
State: FL
Zip: 33160
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A