Date Received: 2023-01-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: the use of misleading terms designed to confuse or create a false belief, according to title 15 of the U.S. Code section 1692j leading to fraud on many counts. Also, abusive debt collection practices as described in title 15 U.S. Code section 1692 ( a ) with the design to extort funds from people for debts that has already been paid.
Company Response:
State: MI
Zip: 48846
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Fraud or scam
Subissue:
Consumer Complaint: I received a message on my phone to confirm Chase credit card transaction, I replied with NO, as requested in the message as I did not perform the action then received another message that someone from chase bank will call. I received a call from chase bank No. ( The same No. at the back of my Debt ), the person introduced himself as a Chase bank officer told me that my credit and account was compromised and that I need to open a new account, he walked me through the app to transfer the money to the new account and give me the name of XXXX XXXX as bank officer and I transferred {$7500.00} to the new account, I was told that I will receive another call and I need to confirm the action, when I asked how I would know that I am speaking with Chase Bank, he told me to look to the number he is calling from and compare it with the number at the debt card back and so I did and it was the same number, later I received a call and I was asked to confirm the transaction and I replayed that I confirm the transaction for opening new account. After few minutes I checked my account over the bank application and found out that the {$7500.00} withdrawn from my account and no change on account number, I called the same number XXXX XXXX XXXX XXXX and I was told that the bank called only one time to confirm the transaction and it was confirmed and completed and this is not considered as a fraud as I performed and confirmed the transaction myself. I sent to chase bank all what happened through the secure message center and they replied that they will get back to me within 1 business day. Chase called this morning and informed that they already contacted the bank the money was transferred to, and the bank replied that they can not do anything. I believe the bank should have helped more and secured my money back for the following : 1- The fraud/scam call that I received was from Chase bank number, same # at the back of Chase Debt card. The bank never informed me as a customer that a call from Chase Number might be a scam. 2- I called the bank 10 minutes after the incident, the transaction was still pending, and the bank refused to call the transaction off, due to the fact that the scam call came from Chase Bank Number , they should have procedure to stop transaction even if transfer was confirmed first time. 3- The Bank should educate the clients with possible scam calls or fraud, but we never received relative information from the bank. Thank you
Company Response:
State: CA
Zip: 91202
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Fraud or scam
Subissue:
Consumer Complaint: XXXX XXXX was offering puppies for sale on XXXX. I inquired. She requested {$100.00} be sent to hold the puppy. After doing so thru XXXX, she requested more money. I told her I'd give her the rest in cash. Once i requested the {$100.00} back, she blocked me. I contacted Chase, & they said they had no recovery.
Company Response:
State: AZ
Zip: 853XX
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: My husband and I went to our scheduled appointment on XX/XX/XXXX at our local Chase bank ( located at XXXX XXXX XXXX, XXXX, MD XXXX ) to create a joint checking and savings account as we had just gotten married earlier this year. Towards the end of the appointment, the relationship banker we were meeting with essentially upsold us on a credit card, citing an exciting brand new offer of 5 % cash back on groceries and wholesale clubs. We were not really interested in getting a new credit card, but since groceries and wholesale clubs do make up a significant part of our monthly expenses, we asked more about it and ended up applying for the Chase Freedom Unlimited card. As we were getting ready to sign the disclosures, the banker said something to the effect of " wow, this offer is so new that it does not even appear on this screen, but don't worry, I see it in my system and it should update soon. '' We took her at her word and she pulled up the XXXX page disclosures document on her monitor across the desk from us. We scrolled quickly past all the pages and electronically signed where we needed to sign. I jokingly asked, " does anyone ever sit here and try to read the whole document across the desk from you while you wait? '' and she laughed and said no almost never. When the card arrived in the mail on XX/XX/XXXX, we noted that the 5 % cash back on groceries and wholesale clubs was not noted anywhere in the paperwork or other materials that accompanied the card. I reached out to the banker via email that same day ( see attached email chain ) and noted the discrepancy, indicating I also called Chase customer service and the corporate line confirmed that promotional offer was not a benefit of our account. The banker never answered the email but called me and assured me she would escalate the case with the credit card team. Chase 's corporate credit card services team concluded their " investigation '' and sent us a response on XX/XX/XXXX, just saying that our account isn't eligible for the offer we requested ( see attached email chain where this response is screenshotted and shared with the banker ). After this point, the banker re-escalated the complaint to try to get us the offer she had promised us and it was again rejected at the corporate level with the customer service team ( case # - XXXX ). We became very upset because the bank ran our credit for a card we didn't want unless it came with the benefit we were promised, and now no one at Chase was taking accountability for their mistake. I was referred to the branch manager ( XXXX XXXX | XXXX XXXX | XXXX | T : XXXX ) who assured me she was taking this case very seriously and was going to try to get us an equivalent offer or some form of compensation because of the hit to our credit scores, especially since we are saving up to buy a home. I don't have a good records ( especially dates ) for the conversations that followed because the branch team refused to put anything in writing ( they would only call me ). They also never answered a request to send us a copy of the disclosures we signed ( see email chain ). XXXX took a long time to get back to me next, but when she did, it was not with good news. Apparently, the offer of the 5 % cash back on groceries was not actually active and available to us until the day after we had gone in to meet with the banker, on XX/XX/XXXX. As a result, we unknowingly applied for the previous promotion which did not include this benefit. Because we signed the disclosures, Chase said there was nothing they could/would do ( even though we acted on the good faith understanding of what the banker had told us, and the disclosures are infeasibly long and awkward to review in those situations ). XXXX had evidently talked to her boss several times to either 1. get the original offer put on our card, 2. get an equivalent offer added, 3. get us some form of compensation, and/or 4. waive the hard credit inquiry requirement so that we could cancel and re-apply for the card, which would now have the active grocery promotion, without taking a hit to our credit. BUT if we did this we were not guaranteed to be approved given we would have previously applied for and cancelled the card. Each and every attempt was rejected at the corporate level. When I asked her what options we had, she said the only thing we could do was keep the card and not use it, or cancel the card and take yet another hit to our credit. Completely unacceptable. She once again put me in touch with the cardmember services team, and the only solution they came up with was for us to apply for ANOTHER card ( Chase freedom Flex ) which has a similar 5 % cash back on groceries ( not wholesale ) benefit. We ended up applying and getting this card, because we still wanted the benefit, only to find out this benefit is only active for the 1st year you have the card ( which the representative did not tell us ). All in all, it was a string of misleading benefits and promotional terms, dishonest practices of upselling and making disclosures impossible to review or get copies of, erroneous actions by the bank, and total lack of accountability or common sense customer service by chase at all levels. It amounts to false advertising with an adverse affect to our credit scores.
Company Response:
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My Chase Freedom XXXX card previously reported my account 30 days delinquent for XXXX of XXXX I filed a complaint, and demonstrated that I was not delinquent for XX/XX/ and they removed the delinquency. a couple weeks later they reported my account 30 days delinquent foXXXX XXXX XXXX. I filed a complaint and demonstrated that I was not delinquent for XX/XX/. They removed the XX/XX/ delinquency from my report, then a week later they reported me 30 days delinquent for XXXX again, even after I demonstrated that my payments were on time. Basically they continue to move this 30 day delinquency to different months despite me proving that all my payments were on time. I am attaching proof of my XXXX XXXX XXXX XXXX XXXX payments
Company Response:
State: CA
Zip: 94587
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have always paid my personal credit card, a Chase XXXX XXXX, on time and have had this account since 2009. The credit card company closed my account without any warning or to my knowledge. Somehow I became liable for a business credit card also through Chase Bank, a Chase XXXX card under XXXX XXXX, XXXX. I am not a member of XXXX XXXX, XXXX. Chase Bank keeps reporting late payments on this business card to my credit but won't provide me the application where I signed up for this. I never signed up for this account. I am a victim of fraud and Chase Bank refuses to help and continues to damage my credit history. This is a business account yet somehow it states on my credit report that it's an individual account.
Company Response:
State: IL
Zip: 620XX
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: seller over charged this buyer. when buyer contacted the seller about the over charged amount the seller turned a deaf hear. moreover the seller sold a car with damages on the vehicle. Buyer haven't heard from the seller related this cause.
Company Response:
State: ME
Zip: 04103
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In a letter dated XX/XX/2022 Chase informed me that they had restricted my checking account due to the possibility of a fraudulent check having been deposited ( case # XXXX ). I spoke to the branch XXXX and she just kept saying her hands were tied. She suggested I call customer service. Customer service just kept repeating that it was under review. The problem was that an elderly lady had forgotten that she had written me this check and had turned it in as fraudulent to her bank. She then remembered she wrote the check and notified her bank who said that they would take care of it. Somehow it was still reported to Chase and my entire checking account has been unavailable to me since that time. The check was written from XXXX Bank who says they have notified Chase that this was a mistake but no action has been taken. I have a letter from XXXX that certifies that the fraud case that was opened has been closed and deemed not fraudulent. I sent a copy of this letter to ChasXXXX on the XXXX of XXXX. I still have not gotten any response nor have my funds been unrestricted. Hopefully, the XXXX XXXX can get them moving on this issue. Thank you for your help.
Company Response:
State: WA
Zip: 983XX
Submitted Via: Web
Date Sent: 2023-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-08
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: The is regurding my chase bank account, Im try to send a XXXX transaction to one of my friend, but the transaction was reject, and my account was block, so i did try contact the bank and let them know that I do authorized this transaction and try to resolve this issues. but they block my account and Im not able to see my online banking and any other transaction and account details are not available to share, since its on the weekends, and the bank is closed they are not letting me to sign in to my online account.
Company Response:
State: NY
Zip: 11355
Submitted Via: Web
Date Sent: 2023-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I had a flight with XXXX XXXX and they allowed me to have a personal item in the departing airport but made me pay for the same item in the connecting airport twice the first amount was XXXX and the second amount was XXXX. I also got stranded in the airport on the returning flight and didnt even get on the the scheduled flight because the original connecting flight didnt wait XXXX more minutes and flew with an empty plane basically. I made a claim with chase after i tried to resolve the issue and at least get a credit from XXXX XXXX and they were very unhelpful. Chase reversed that claim and didnt give me any reason in regards to it. I tried contacting XXXX multiple times at the airport and online and they didnt even have a phone number for me to communicate and the website was horrible. The date of the claim with chase was XX/XX/2022 and i just realized now looking in my account that it was reversed I received no communication from chase.
Company Response:
State: IN
Zip: 46074
Submitted Via: Web
Date Sent: 2023-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A