Date Received: 2023-01-17
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: This is an update to complaint XXXX, chase states XXXX I was unable to complete the verification process when it was not my information they were inquiring, it was the endorser who did not provide acceptable verification, an individual who did not have a bank account with chase. And on the next few visits we were assigned a XXXX representative, which switched languages between us, we both speak and understand XXXX, however I do not speak or understand XXXX I assume that was a resolution to the discrimination accusation. The way the issue had resulted was the person who did not pass your verification process, and also had a account set up by one of your branch members with a invalid document had an an account closed then reopened so that the check could be recovered and deposited into their account, the branch member placed a call with the buisness that originally wrote the check, who by the way is a law firm, and ask them if they could retract the check so they could retrieve it from a closed account. The next visit the endorser provided additional verification, the same passport and a debit card, after bringing a birth certificate, phone bill, a prepaid debit card released the check to me and even though I had all the necessary verification I had a valid id two credit cards and a history of XXXX years with chase my account was closed, but the person who didnt provide verification acceptable in time, your branch set up an account with invalid information closed and then reopened and then your branch even tried retrieving the check by retracting it? It took two weeks to receive a cashiers check and when we went to the issuing branch they refused to cash it, they didnt say we couldnt cash it today and setup an appointment or offer another solution it was flat out denied they told me to endorse it to back to the person who originally endorsed it to me so they could deposit it.I was told once the issue was resolved they would reopen an account for me, which I had opened another with another bank already, but I had been told several times I could no longer bank with chase and when I asked for my statements I was provide one month, I need at the the last 6 I had disputes and proof of payments that because my account was closed due to?? I was under the impression that if a check is endorsed to you you are taking responsibility for it meaning I taking ownership would need to be the one you focus on the check wasnt an issue identification for me wasnt an issue but you felt it was necessary to close my account and open one for the person who the actual verification issue was with what sense does that make I think that deserves some better reason than for what ever reason you can close accounts it would have saved a lot of hardship and issues if you would have just refused the check to begin with you refused to cash your own cashiers check without hesitation i expected a little more customer appreciation for the amount of years I kept a good standing account and on time paid credit cards I even started my kids accounts
Company Response:
State: CA
Zip: 94585
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My mortgage payment went up more than what I can afford because XXXX XXXX XXXX who initially processed my home did not prorate my taxes correctly even though they had the appraisal and even after I questioned the amount, they had vs the appraisal. My payment went from XXXX to over {$2500.00} a month. I have attached a letter and documents for your review. Thank you in advance. PS, issue started with XXXX XXXXXXXX XXXX and ends with Chase.
Company Response:
State: MI
Zip: 48235
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I closed my account in XX/XX/XXXX. After trying for a week and being told no after speaking with 12 representatives from chase credit card customer service. I was told once I closed the account I wouldn't be able to make any purchases on the account. My APR would remain the same and all I needed to do was make payments on the account. One month later the APR increased from XXXX to XXXX this is XXXX. XXXX I noticed another increase XXXX, XXXX another increase XXXX. I call the bank after the first two increases. I am told there haven't been any changes on your apr. I ask if the can reduce the rate. They tell me No. I ask why is the rate skyrocketing and I can't make purchases on this account and I make payments on time each month. They tell me I can speak to another person and put me on hold and the call is disconnected. I got through this about 5 times. In XXXX my APR increases again. No notification from the bank. This time my APR is XXXX .Next statement XX/XX/XXXX XXXX XXXX XXXX. No notification I beg to speak to someone in the department who can tell me about what is happening. The fluctuations in my rates are very concerning. I speak to three different people. No one can help me, numerous excuses and no explanation. Finally a man gets on the phone and tells me the federal government raised the APR. Sorry thats not my department. I will be happy to switch you over to someone. I wait to speak to whomever is assigned to me and I get hung up on.
Company Response:
State: IL
Zip: 60076
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XX/XX/XXXX I performed a {$2000.00} balance transfer under a 0 % interest for 14 month balance transfer promotional offer sent to my email. The balance was transferred, and I was charged a balance transfer fee ( as expected ), thinking I had 14 month to pay off those {$2000.00} dollars, as suggested by the promotional offer email. However, come XX/XX/XXXX, the close of my statement balance, the entire {$2000.00} was displayed in my " interest saving balance '' and when I called I was told yes I have to pay all XXXX by the due date or else I will be charged interest. This is different than the advertised promotional offer. They said this is because I also utilize the " chase plan '' benefit on the card for other purchases ( that are not the balance transfer ). I was utilizing the chase plan at the time when, in my Chase portal, it still showed that I was eligible for the 0 % interest balance transfer. In the end, they just charged me {$80.00} to switch {$2000.00} from a different card to one of their cards to be due the same billing cycle.
Company Response:
State: NC
Zip: 27502
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I submitted a Mortgage application with Chase on XX/XX/XXXX and got pre-approval. I purchased the house with another lender in XX/XX/XXXX and didn't use Chase. Now it's XX/XX/XXXX and my Chase pre-approval expired. The agent from Chase contacted me today ( XX/XX/XXXX ) and asked if I authorize them to pull my credit report in order to keep the pre-approval letter ( see attached ). However, before I got a chance to contact Chase and cancel this cancel the pre-approval, Chase pulled my credit report again in the afternoon of XXXX/XXXX/XXXX without my written approval. This action doesn't make sense as they don't have my consent to pull my credit again in XX/XX/XXXX.
Company Response:
State: CA
Zip: 91755
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2022 I received a notification that was definitely in error. It was for XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) and for over XXXX XXXX dollars. I can not remember whether I approved the purchase accidentally but received no other notifications regarding the transaction ( s. ) I discovered in the month of XXXX that there were several charges made through XXXX for a range of transactions and became overwhelmed. I contacted my bank ( Chase ) in XXXX and was not given any information or instruction on what to do. The charges continued. In XXXX I finally contacted the fraud department and was on a three hour phone call where I made a fraud complaint. It seemed like it was being taken very seriously but received no further action being taken on the part of the bank and the mysterious charges continued even when I discontinued use of the XXXX application completely removing it from all members of my households devices. I contacted the fraud department on XX/XX/2022 when they told me the fraud complaint was approved and they were going to be reimbursing me by XX/XX/2022. I waited until XX/XX/2022 to contact them and they said the fraud complaint had been denied due to " chip to chip '' transactions with no explanation of what that meant. I attempted to contact them again and spoke to the escalations department where another fraud complaint was made and seemingly taken seriously only foe me to contact them again and have a phone representative tell me that there was no such second fraud complaint made. I became so frustrated i closed both my checking and savings accounts and have been forced to keep an account open to be ablento receive a monthly income from a renter.
Company Response:
State: CA
Zip: 95901
Submitted Via: Web
Date Sent: 2023-01-17
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: Problem with rewards from credit card
Consumer Complaint: I have been trying to take advantage of the 5 % back on travel booked through Chase XXXX ultimate rewards with their Chase Freedom credit card. The charge for travel was made by me on XXXX XXXX XXXX through their Chase XXXX website, and only earned XXXX XXXX points. After calling the appropriate customer service number and speaking to representatives several times over the course of XXXX months, they finally issued me a paper statement that indicated I would be given the missing XXXX XXXX points on either the XXXX or XXXX statement. After checking my account in XXXX, nothing has happened yet, and when I called again the representative told me that nothing indicated that the issues was addressed or resolved.
Company Response:
State: CA
Zip: 90035
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: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2022, I was contacted by phone with XXXX people impersonating people from the Office of the Inspector General/DOJ , the Social Security Adm , and my local Police Dept. They informed me that my SS XXXX was being used to open other accounts around the country and that all accounts would be closed for further investigation. I was told that I could put some money into a special account that I could access until I was given a new SS XXXX. I went to my local XXXX XXXX to send a domestic wire transfer to a Chase Bank in California for {$46000.00}. After completing the transfer, I became very worried about what i had done. I went back to the XXXX to stop it, too late. I filed reports with my local police, XXXX, FTC, XXXX, XXXX of California, and my XXXX. I tried to talk to Chase Bank and its Claim XXXX with little success. They didn't seem to be concerned that an account was being used to scam elderly people for fraudulent purposes and possible money laundering. I fear that these people will continue to prey on and take advantage of others.
Company Response:
State: MI
Zip: 48327
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received today a letter, dated XX/XX/2023, from J.P. Morgan/Chase , demanding that I pay a past due amount of {$10000.00}, account number ending in XXXX, stating that a payment had been made to me through an account set up by XXXX. They are asking that I wire a payment to JPMorgan Chase Bank , N.A . They do not say when I allegedly received these funds or give any specifics on any alleged application. I have never had an account through JP Morgan or Chase. I have never heard of XXXX. I have not applied for this credit or received the funds. I have not attempted to contact JP Morgan because I just opened my mail that I received today and it is past the XXXX XXXX time of their office hours.
Company Response:
State: WA
Zip: 98226
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 was charged {$150.00} for items I never received. I contacted the merchant numerous times since the date of the charge for updates on the shipping. Items were never shipped and the merchant has ceased responding to emails. I disputed the charge with Chase and sent Chase all of my email correspondence with the merchant to to show that I had been diligent in communicating with the merchant before resorting to a charge dispute. Chase refused to refund the charge because too much time had passed since the charge. I believe this was an intentional scam on the merchant 's part and have filed a complaint against the merchant as well. Chase is failing to offer decent consumer protection by refusing to refund my account. I believe their policy is ineffective at helping consumers recover money from scams and they are only helping perpetuate similar scams. Chase 's policy of allowing only a small window of time to pass before refusing a refund is built into the scammer 's model. The scammer continues to confirm that items will be shipped in order to make it past the dispute/refund window, effectively making Chase 's XXXX part of the scam.
Company Response:
State: CT
Zip: 06492
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A