Date Received: 2023-01-18
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I'm making a complaint against the bank Chase Credit Card for taking advantage of XXXX veterans. In particular, having a program ( Pay over time ) where you pay for different charges Hamstringing the rest of the available credit forces the veteran into debt. I explain this to your associate named XXXX today at XXXX XXXX XXXX XXXX XXXX XX/XX/2023. He said to my face, I was stupid to do it. So, I'm going to see if I can talk to the VA, their bank. First, I'm starting with the XXXX complaint. I also called a second time to put in a complaint over the phone. But instead of taking my complaint, he tried to explain something. That I am asking about so. He frustrated the customer, which is me, to hang up instead of taking my complaint. XXXX XXXX. at XXXX XXXX
Company Response:
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
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 placed an order with XXXX XXXX XXXX XXXX using a coupon. Somehow someway, it made my entire transaction free, I was only asked to enter my debit card number to pay for shipping. I entered my information and authorized them to debit my Chase account in the amount of XXXX. On XX/XX/XXXX I got a notification from my bank ( Chase ), letting me know I made a purchase totalling XXXX which I didn't. I immediately logged in to find out what it was, and it was a charge from XXXX XXXX XXXX XXXX. I went back to look at my confirmation email and that was not the amount I agreed to pay. I contacted Chase Immediately to have the charge reversed, I contacted XXXX XXXX XXXX XXXX ( total bust ). Chased reversed the transaction and told me they would contact me if they needed more information. They contacted me and asked me to call, which I did, I sent the email I received from XXXX XXXX XXXX XXXX showing the amount I was supposed to pay, which was XXXX. They told me I would be updated and contacted if they needed something else from me. XXXX XXXX I noticed the money was reversed to XXXX XXXX XXXX XXXXXXXX XXXX I contacted Chase again and spoke to a XXXX for the Claims department. He told me that the reason the charge was reversed and my claimed closes, is because during the investigation, they found the purchase was made in store, therefore I had authorized the XXXX transaction. I reassured him the transaction was made online, and that i didnt authorized that charge, he didn't believe me. I asked him to review the faxes I sent. He finally said he was requesting to reopen the claim.he told me it would take 3 days to do so. XXXX XXXX Contacted Chase yet again to check on the status of the claim, I was told by another supervisor that they would not be re-opening my claim, because I didn't have proof I used a coupon. I was never told that before, the only thing I was asked to provide was the email conformation showing the amount I was supposed to be charged. I am a single mother on a fixed income, I don't have the extra money for unauthorized transactions. Chase is on the wrong and they are not willing to admit their mistake.
Company Response:
State: NE
Zip: 68154
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Ive been trying to get my Chase bank account since XX/XX/XXXX of XXXX. Ive been homeless in a XXXX XXXX XXXX and I was doing a what a thought a business deal. Where some guy would help me with stocks and investments. But needed access to my bank account but during the time I thought he needed for his supposed company. However on the XXXX of XXXX he deposit XXXX in the bank for the supposedly investment money. However the bank restricted my account for a supposedly fraudulent check but the check came from XXXX XXXX bank on the check and was verified. But the bank did a investigation and stated we can no longer do business with you use a different bank with no reason why that is which was weird? For something I wasnt responsible for in my possession I didnt have access to the check and ever since then I had to switch bank to XXXX what I do?
Company Response:
State: NY
Zip: 10314
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In XX/XX/XXXX, as a good debtor, I made arrangements with Chase Card Services to make a split payment in XXXX on the XXXX and XXXX, an auto debit {$99.00}. On XX/XX/XXXX, paid manually {$190.00}. They auto deducted on XXXX, but something got messed up on their end because it said it went through find on my bank account but they claim my bank sent it back. On XX/XX/XXXX, they did the auto deduct of {$99.00} and say the bank sent it back on XX/XX/XXXX. My branch manager says they never actually tried to pull the money. It showed after XXXX where the {$99.00} had been taken from my account and was clear. Rather than them admit something got messed up on their end, they suspended me from using my ONLY checking account to pay them. They DO NOT give any other payment options, nothing. Their phone people WILL NOT accept anything less than the total payment amount due. Even though every month before XX/XX/XXXX, I had paid them on time no issue. They won't take any amount. They are making it impossible to pay them. They want me to go to the bank to pay them, but my work hours are not conducive with getting to the bank. So, they are making it IMPOSSIBLE TO PAY THEM, giving me the run around. This looks like Predatory Lending at its finest. They have BLOCKED my checking account but then want to keep calling me demanding a payment, when I have no way to send them money. My credit union SENT the fax that they asked for on XX/XX/XXXX, I responded to their paperwork and sent it out ASAP as they asked me for. They STILL have not fixed it and are threatening to permenantly block me from paying them from that account. I pay EVERY other lender out of that account problem free. My check goes STILL to that account. So, if it is closed, why am I able to pay everyone else?
Company Response:
State: IN
Zip: 468XX
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
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: On XX/XX/XXXX, I reported about XXXX fraudulent transactions I discovered on my account all charged by the same vendor. The Chase website told me to call a phone number and report the fraud. I did so immediately. While speaking with the customer service representative, I learned that there were an additional XXXX unauthorized charges on my account dating back to XX/XX/XXXX. I asked him to submit every single charge from this vendor as fraud. He agreed to do so and then asked me to dispose of my credit card as a new one would be sent within XXXX days. I never found out the exact amount of the total charges but assumed Chase would have to also deduct interest paid, etc. I was told that a provisional credit would be issued immediately. Today is XX/XX/XXXX. I have received neither card nor credit. I have called the bank XXXX times this past week and also have sent several emails. I keep receiving the same response which is that the bank is going to escalate my dispute to the next level and I should have a resolution with XXXX hours. In the meantime, I have repeatedly checked the dispute center online and I always receive the response that I have no disputes pending. Today, I called the Fraud Resolution department XXXX more time. I found that the initial fraud I reported was never disputed. The bank did find at least a portion of the older charges to be fraud and I was promised the provisional credit in another email received this morning. The woman I spoke to today finally reported the original fraud charges I reported from XX/XX/XXXX to XX/XX/XXXX. I asked her what the credit would be for just the most recent XXXX fraudulent charges. She gave me an amount that was over {$400.00}. I did not ask about the other XXXX charges but I imagine there must be around {$1000.00} that was stolen from me. Again, I was told I would immediately receive this credit. XXXX hours later, my card balance remains exactly the same, no charges have been removed and Im still paying interest at a very high percentage ( 26 %? ) while Chase prolonges this process. I do have a XXXX and can not work. Thus, I have a fixed income from XXXX monthly. Chase is well aware as I disclosed this on my credit application. My bill is always paid early each month and Im infuriated about the lack of response. I am convinced that my status as a XXXX XXXX is behind Chases slow and illegal processing ( as per my signed agreement with Chase ).
Company Response:
State: AZ
Zip: 85254
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Lost or stolen check
Subissue:
Consumer Complaint: Hello, my name is XXXX XXXX, On, or around XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX tax return of {$1000.00} & {$830.00}, respectively, went to the wrong Chase bank, checking account number as follows : XXXX XXXX XXXX XXXX XXXX XXXX Also, my IRS tax return from XXXX, which was routed from the IRS through XXXX bank in the amount of {$3300.00}, went to the same incorrect chase bank routing and account numbers as above. This XXXX transfer occurred on our around XX/XX/XXXX. Please note, I have called, sent return requests, filed claims and sat down with a few bank managers to get this matter resolved to no avail. All the proof is very evident that these are my funds and need to be returned to my account immediately with interest. This has been an ongoing and unresolved issue since XXXX of XXXX! Please note below the correct bank info., My info is below. My chase bank account number, which is where these monies should have been deposited is as follows : XXXX XXXX XXXX XXXX XXXX XXXX Any other questions, please contact me via email, XXXX. Thank you, XXXX XXXX
Company Response:
State: FL
Zip: 32548
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My card limit was lowered without me knowing and caused a XXXX point drop in my credit score because it was flagged for overuse.
Company Response:
State: FL
Zip: 33444
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/22 I requested that the following account be verified or removed immediately. Name of Account Account Number Verification JPMCB CARD XXXX Validate Account JPMCB CARD XXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXXXXXX XXXX Validate Account XXXX XXXX XXXX Validate Account The credit bureaus response was that they verified the accounts. I have since pulled my credit reports and there are still inaccuracies on the report. 15USC. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: MN
Zip: 553XX
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: I took out My Chase plan via my Chase XXXX card. My terms were {$330.00} a month for 6 months at 0 % APR and {$0.00} fee. Made my first payment in XXXX, continued to pay my credit card as I do before the billing cycle for my standard purchases. I now have only XXXX payments left on my plan as Chase allocates ALL payments to the 0 % interest first. This is not explained or noted clearly or obviously. I called and spoke with an agent who was just as confused as I was. Then a manager joined the line to explain. I feel like this needs to be investigated - I am OK to pay my bill however if Chase is doing this to me they are doing to others. This could/probably is costing people a lot of money when they thought the plan would help with a large purchase.
Company Response:
State: MD
Zip: 20904
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: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: The following accounts were opened fraudulently on my credit report. I was XXXX from XXXX XXXX. I have tried to get this fraudulent information removed from my credit report with no success. JPMCB - CARD SERVICE- JPMCB XXXX CARD SERVICE- XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: LA
Zip: 71201
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A