Date Received: 2023-01-10
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have called CHASE Bank twice to inquire about my current bank accounts and each time that I call the call is routed to the credit card department. They said that a credit card was opened in my name on XX/XX/XXXX, with a credit limit of {$750.00}, and was closed as a charge-off account on XX/XX/XXXX. On XX/XX/XXXX, I was stationed in XXXX as an XXXX XXXX and had no idea that someone opened up a credit card in my name until now the year XXXX. This account has never reflected on my credit report so I had no idea, I have never received any letters for this credit card. The address of this credit card was in NY. Apparently, someone reported it as a fraud in XXXX. The account number is attached to the document provided. Chase Bank has been failing to do its job in informing me that this has occurred in my name for years. Even though I had existing bank accounts with them in the past they still did not inform me that there was a credit card opened up in my name and that it was a charge-off account. I am finding out 8 years after the fact. The first time I found out from the representative they told me not to worry about it because it was reported as fraud. Two weeks after that I called back to check on my bank accounts and the call route me back to the credit card department that card is still reflected under my social security number which tells me that the investigation never was closed out. This is an internal problem in the bank and it has caused me to not be able to apply for any credit cards from chase because they had this hidden charge off a credit card that was opened fraudulently in my name. I have been trying to apply for credit cards and have been able to get credit from this bank because of this in their system. They have a responsibility to protect consumers ' information and they fail to do so for years. Right now I have a business account with them and I like to apply for business credit but I am not able to be granted any type of credit with them because of this credit card issue that I am not aware of. This is causing a setback in my business because I have not been able to obtain credit from them which is unfair because of their own negligence. They told me on the XXXX XX/XX/XXXX that they are going to have to start the investigation all over again and send over a message to that department. They need to do their job.
Company Response:
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
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 fell victim to a deceptive and extortionate merchant, who charged my credit card for dubious sweepstakes, while also claiming to be engaged in raising funds in a charitable endeavor. The merchant refused to refund my money, so I disputed the charges with my credit card company ( Chase ) under the claims and defenses procedures of the Fair Credit Billing Act. However, after 6 days of filing the dispute, Chase summarily denied the dispute, claiming that I can not dispute the charges and that they are valid charges. The details of the matter are chronicled below. XXXXXXXX XXXX XXXX XXXX and XXXX are affiliates and the owners of a competition ( Organizers ) called XXXX XXXX XXXXXXXX, which supposedly brings women of XXXX XXXX XXXX and over to compete for the title of XXXX XXXX XXXX. Purportedly, the prize is a 2-page feature in XXXX XXXX XXXX and XXXX Winners are decided via public voting by supporters of the contestants, and the contestants advance through various stages of the competition until a winner emerges. Apparently, XXXX is the non-profit arm of the affiliation, while XXXX XXXX XXXX XXXX is a for-profit entity. My wife was a contestant in the XXXX XXXX XXXX competition see attached Screenshot of her Competitor Page XXXX XXXX XXXX ). She was randomly recruited for the competition on social media by an agent of the Organizers after she posted pictures of her XXXX birthday celebration in XX/XX/XXXXXXXX There were various rounds in the competition, including Top XXXX, Top XXXX, Top XXXX, Top XXXX, XXXX, Quarterfinals, Semifinals and Finals. My wife advanced to the Finals. However, as she advanced in the competition and we got to know more about the business practices and reputation of the Organizers, it left us with a disquieting feeling that we were pawns in an immensely questionable campaign resembling a Ponzi scheme. She regrets having been lured into this contest, just as I feel having been misled into contributing to this opaque and questionable contest. The total amount that I personally paid into this contest between XX/XX/XXXX XXXX, and XX/XX/XXXXXXXX for the purpose of voting for my wife is XXXX See the receipts attached as XXXX XXXX I was under the impression that this was a contest conducted on a level playing field, where there would be transparency in the process and the Organizers would run a conscientious and honorable contest, but my experience and that of my wife says otherwise. For example, first, the full population of contestants in the competition was always kept hidden. You could not tell what the totality of contestants was at any time. The contestants were siloed into different groups, and you could not determine how many groups they were in total. Second, the contestant ( or anyone else ) could neither see the full list/number of votes cast for them nor who the voters were. The contestants XXXX only displayed limited information/data like top voters or XXXX most recent voters, but never the full population. See attached screenshot of the Dashboard XXXX XXXX XXXX ). Third, how the Organizers tabulate the votes and its system and process for crediting votes remains a mystery. There are two categories of votes, XXXX XXXX and XXXX XXXX. For the former category voters literally pay money to vote ( usually {$1.00} for XXXX vote ), while for the XXXX XXXX category voters are limited to XXXX vote daily. Additionally, for Free Votes, there are different numbers of votes credited for each vote based on the method used to verify the voter. Verification is either by XXXX or by credit card, and two votes are credited for the latter versus one for the former. Abstrusely, randomly and from time to time, every vote cast ( either XXXX XXXX or XXXX XXXX ) was given double credit ( 2 for 1 votes ). It is unclear if the Organizers gave precedence in their tabulation system to votes purchased via XXXX XXXX versus votes cast via XXXX XXXX. Some contestants have vociferously complained that votes from their supporters via XXXX XXXX were routinely not credited or accounted for, in subordination to Hope Votes. See the catalogue of complaints lodged by contestants and voters alike ( reporting the XXXX XXXX XXXX competition as a scam ) on : XXXX, an excerpt of the online reviews is attached herewith as XXXX XXXX. Additionally, my wife used the services of a media outlet ( XXXX XXXX and XXXX ), which has viewers/listeners in XXXX countries and has millions in its subscriber/mailing list orbit, to promote her candidacy in the competition. XXXX XXXX and XXXX confirmed that tens of thousands in its audience voted for her using XXXX XXXX. However, there is no record of this activity on the Organizers portal or that the votes were credited or accounted for in their tabulation. This observation mirrors complaints on online forums like XXXX Fourth, there are unresolved questions about the competition money : where the money goes exactly, what specifically are the fees/costs/salaries/expenses that the Organizers or its partners claim from the total stake, and so on. The Organizers provide pro forma and nebulous answers in this regard. Lastly, I believe that the competition was a ruse to fleece supporters of the contestants and the public in general. I was constantly bombarded with messages from the Organizers to donate to support my wife. I feel like I have been extorted. Consequently, my wife quit the competition before the results were announced, and I requested a refund of all the money I paid to the Organizers on XX/XX/XXXX, but they refused to return my money. Consequently, I filed complaints against the Organizers with the following : New York Attorney Generals Office ( XX/XX/XXXX ) ; Pennsylvania Attorney Generals Office ( XX/XX/XXXX ) ; the Federal Trade Commission ( XX/XX/XXXX ) ; and the Internet Crime Complaint Center ( XX/XX/XXXX ). I filed a credit card dispute with Chase on XX/XX/XXXX and spoke to XXXX in the Disputes Department. Chase subsequently left a message for me to contact them, so I called them on XX/XX/XXXX and spoke to XXXX around XXXX XXXX XXXX XXXX and then I spoke to a supervisor called XXXX. XXXX was terse and final in his declaration that I can not dispute the transactions. I was shocked at this seemingly bizarre stance, so I called back the same day and I spoke with XXXX, an Accounts Customer Service Supervisor around XXXX XXXX, who forwarded me back to Disputes Department where they maintained their position of the denial of my dispute. Chase subsequently sent me a letter confirming their position.
Company Response:
State: NY
Zip: 137XX
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/XXXX debit cardXXXX was reported lost/ stolen. My account has low funds and 2 transactions go through after the card was closed. I called the bank and they stated that the card automatically updated from my XXXX XXXX which is absolutely false I have to go into my account and add the new card manually. As of today the old card number is still on file on both accounts. Also if the new card information updated manually the last 4 digits of the card number would show up on the attached receipts. This is a way for them to cause more over draft fees on my account I am not understanding why these transactions we not declined.
Company Response:
State: OH
Zip: 450XX
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX, I received a replacement Credit Card from Chase card services ... I called the company approximately one ( 1 ) year prior to have the card go dormant ... My balance at that time was around XXXX dollars however I made automatic payments of XXXXXXXX dollars per month except for the months of XXXX and XXXX of XXXX at which time I paid XXXX dollars... The total amount paid for the period XX/XX/XXXX thru XX/XX/XXXX was XXXX dollars ... When I received the new card I called to have it activated again and was prompted electronically that I had late fees totaling XXXX plus dollars which must be paid ... I contacted a representative of the company to discuss this issue because I never was late and normally paid more than the minimum amount due since inception... I was informed that one payment was XXXX dollars short unknown to me and late charges and additional fees kept added each month unknown to me.. The balance owed when I had the account go dormant was around XXXX dollars... The balance owed hasn't changed since I had the account go dormant..If I would have known that on payment was XXXX dollars and not XXXX dollars I would have paid it as reflected in my payment history...
Company Response:
State: LA
Zip: 706XX
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, a person claiming to be my bank, Chase Bank, contacted me regarding my debit card being used in a fraudulent transaction in New Mexico. This person knew my home address, my debit card number, and, throughout the call, knew Chase Bank procedures well enough to know when text verifications would be sent to my phone, when authorization requests would come through, etc. to the point I had little reason to doubt they weren't Chase. It wasn't until they asked about my PIN number right before hanging up that I suspected things weren't right. Immediately after hanging up, I checked my bank account and saw {$1400.00} of withdrawals had been conducted through an ATM located on XXXX XXXX in XXXX, TX, near where I live. I locked my card through my app, went to my local bank branch, informed them, and contacted Chase through the number on my debit card to inform them of the transactions. They cancelled the card and went through the process of issuing a new one which I received on XX/XX/XXXX. My problem is that according to a letter I received on XX/XX/XXXX, they will not be reversing the charges and all efforts I have made to contact Chase and get the case re-opened have not produced results. I went directly to the bank branch where the fraudulent charges took place and, other than photocopying the claim letter, did not receive support. I've contacted Chase on the phone several times, but they claim that since the transactions were made using my PIN, they consider the transactions to be valid in their system. I've made a police report to the city of XXXX, TX as part of this process as well. While I admit that I gave information I shouldn't have in the form of my PIN, as soon as I realized the mistake, I reported it and tried to take actions to prevent further loss. It seems that a reasonable assessment of the situation along with a simple check of security camera footage from the ATM coupled with the fact that I've reported the incident to multiple authorities should be enough to show that I don't approve of these charges on my account, despite the fact that my PIN was used.
Company Response:
State: TX
Zip: 75081
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I bought something from XXXX XXXX return part of the money. XXXX told me to call my bank to release the money. I called my bank and they ( chase ) are saying the money never came out my account.
Company Response:
State: MD
Zip: 21136
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
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: We purchased six pairs of individual-event XXXX XXXX tickets from XXXX for a total of {$2600.00} using a XXXX card issued by Chase Bank XXXX Copies of these tickets have been uploaded along with this statement. USA fans were, unfortunately, banned by the XXXX government from attending the XXXX XXXXXXXX XXXX in XX/XX/XXXX. Accordingly, we quickly requested refunds from XXXX of our six individual-event tickets in XXXX XXXX. It must be noted that XXXX unilaterally instituted a new refund process specifically for these refunds, which forced purchasers to accept revised terms and conditions drafted solely to XXXX benefit ; those new forms were timely returned for these six individual tickets. This new refund process included adding exorbitant and unearned fees for services that XXXX did not provide ( if no XXXX tickets were provided, how can there be a ticket handling fee? ). And, XXXX now steadfastly and unjustly refuses to provide refunds for these six individual tickets even after compelling all XXXX XXXX fans to agree to its newly concocted and onerous refund policy, under duress. XXXX ticket purchasers had no viable alternative other than to accept XXXX new and unreasonable refund terms within two weeks since, as they threatened, Failure to meet this deadline will jeopardize your refund. At the end of the day, we agreed and completely complied with their draconian refund process for these six individual ticket purchases, but XXXX still wont refund the money that it has unconscionably held on to. Now, turning to ChaseXXXX role in this most unfortunate situation, XXXX continuously trumpets its credit card protection, fraud security, and XXXX liability for its consumers. XXXX was the XXXX official payment technology partner for the XXXX XXXXXXXX XXXX. And, XXXX was the only ticket reseller in the US. So, we had no choice but to use a XXXX card in order to buy XXXX tickets from XXXX ; there were absolutely no alternatives. As such, we then reached out to Chase in the hope that some affirmative action would be taken to recover our stolen money. Once it was clear that XXXX had fraudulently taken our funds, we disputed the charges on the XXXX card in early XX/XX/XXXX. The XXXX XXXXXXXX XXXX were slated to occur from XX/XX/XXXX XX/XX/XXXX. So, even though our dispute was made in XX/XX/XXXX, well within 118 days of the expected date of service, this dispute was curiously denied. We then escalated the dispute within Chase later in XXXX, and still well within 118 days of the expected date of service, but it was still to no avail ( copy of escalation letter has been uploaded ). In each instance, Chase shifted the blame to XXXX and its policies ( and XXXX, of course, shifted the blame to Chase ). Through their denials to hold XXXX responsible, both parties continue to enable this fraudulent behavior. To be crystal clear, we have received no XXXX XXXX tickets, and we have received no refund for these six, cancelled individual tickets. Not one cent. And, its now XXXX. All we want is to recover our fraudulently taken money. Hopefully, CFPBs assistance can spur Chase and/or XXXX to refund our stolen money, and they can then successfully recover it from XXXX.
Company Response:
State: CA
Zip: 94121
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Chase stole my security/bond that I mailed in registered mail and did not credit my account. I have attached the USPS return receipt that shows the representative that signed for the security as well. Chase lists in their disclosure, payment instructions for " conditional payments '', other forms of payments or special endorsements. I followed the instructions as instructed and my account was still not credited. After calling in on XX/XX/XXXX at XXXX EST, I was informed by two very abrasive representatives that my security was accepted, kept, scanned into the system and noted for banking but they will not credit my account. The supervisor even threatened me that they will report my account late. I have attached a more Indepth summary of the issues. I understand that the STATEMENT that is mailed to me every month which gives an ACCOUNT SUMMARY as indicated on the bond portion of the coupon ( book-entry note ), is actually a dividend payment from securitizing my account and the transferring/trading of my securities in public markets and private transactions through CHASE XXXX XXXX, CHASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, owner trustee, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX trustee and JP MORGAN SECURITIES XXXX , just one of the underwriters. It is not a BILL for me. The obligation is the issuers, CHASE XXXX XXXX per their indenture agreement, Securities Exchange act of 1934, the Trust Indenture Act of 1939. On the call, which was automatically recorded, I requested a supervisor above XXXX. However, she refused and told me that there is no one above her. If I want a resolution, the only way would be for me to send in a written request to the correspondence department.
Company Response:
State: OH
Zip: 44124
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I XXXX XXXX XXXX has tried to address this situation with chase bank I withdrew my initial complaint because I did get a call from chase business bank and I thought they would rectify the problem but they havent I have called them back and have left voicemails to the lady that was handling my case Im really upset because Im not just a business owner account but I have XXXX other accounts thats open with chase bank so its no excuse to not know my business address the forms I will be uploading will prove this this is so upsetting and goes against my rights as a business owner I would like this issue address with chase and XXXX who also illegally let you run my credit twice this is not right for consumer to treat as such rules are rules the dates are XX/XX/22 when I applied for both same day you will see in your records XXXX so please address this problem thats holding me and my business back from moving forward chase can you address this im a customer of yours who does primarily business with your company on a daily I would like them same opportunities as any other business owner thanks
Company Response:
State: IL
Zip: 60637
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: Hard inquiries on my account criminal tried to get a credit or prepaid card. Criminal stole my information and received XXXX dollars already from a loan
Company Response:
State: OK
Zip: 73135
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A