Date Received: 2023-01-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: You will not believe this... This is a follow up to complaint XXXX that was already closed. In this closed complaint, Chase bank ran a hard inquiry on my credit for credit limit increase after saying over the phone twice that there would be no hard inquiry. Chase ran an investigation and confirmed the representative did give me wrong information after reviewing the call ( documented in complaint XXXX ) but said they would not remove the inquiry because of that as credit limit increases are assumed hard pulls. My question is, " Who should be doing the assuming??? '' I have other banks that don't do a hard pull so that is why I made sure to ask before applying for a credit limit increase. Chase launched a second investigation on my case. Chase called me today with results from that second investigation and said after review of the call, Chase determined that it was hard to hear the phone call and that I didn't hear the representative correctly when he said " there is no hard inquiry ''. Chase is now claiming the representative said " there would be a new inquiry ''. The first investigation already confirmed I was given wrong information by the representative. This call from Chase today was so ridiculous I had to file another complaint. The lies are just unacceptable. Just do the right thing. Chase made a mistake and a customer suffered for it. Repair the wrong. I'm not sure why Chase would rather launch multiple investigations and make up lies instead of just doing the right thing.
Company Response:
State: IL
Zip: 61822
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Chase XXXX Account # XXXX Chase sent me promotional email on XX/XX/XXXX that any purchase of over {$100.00} can be split in payments without fees and interested until XX/XX/XXXX. Than when I made two purchases on XX/XX/XXXX that wanted to split using this promotion offer, their reply was they can take away this promotion for any reason. Nothing changed on my account, yes they can take it away from my account for any reason but they need to inform me by phone, e-mail, regular mail that they took it away or that my account no longer eligible for that offer!!!
Company Response:
State: NY
Zip: 10306
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited {$1000.00} cash ( XXXX {$100.00} bills ) at a Chase drive-thru ATM on XXXX XX/XX/2023 at XXXX XXXX and the machine did not reflect the deposit. The ATM was functional until after it took my bills, the screen showed a spinning circle, then it gave me a receipt that directed me to call their XXXX phone number. I parked and went inside the physical branch and informed a teller, who told me to call the XXXX number because the ATM is handled by a third party. I called while in the branch and spoke to a customer service person named XXXX. He said my deposit will be reflected in 2 hrs or up to 1-2 business days. I called again in the afternoon because the deposit hasnt shown up and spoke to both XXXX from XXXX department who transferred me to XXXX in XXXX department. They both told me it could take up to 48 hours for the deposit to show while they investigate. I checked again this morning and still no deposit. This is absolutely unacceptable since the bank has a person who empties that ATM and has seen the discrepancy yesterday, in addition to their security camera that had to have recorded my money going inside the machine. How can the bank get away with keeping my cash- not check - deposit for days? Please help me get my {$1000.00} back as soon as possible. The Chase bank address this occurred is XXXX XXXX XXXX, XXXX, TX XXXX. The receipt shows Term ID : XXXX with Sequence XXXX. Thank you.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: When I opened my account at Chase I specifically asked for an account without overdraft so that I would not have to pay any overdraft fees since I rely on Social Security. However, my XXXX account was automatically renewed about XXXX XXXX, XXXX when the subscription actually ends in XX/XX/2023 ( one month earlier ) and my account was overdrawn by about {$90.00}. This action would have incurred the overdraft fee which I tried to avoid when I opened the account. I contacted the Bank about it because I thought that " no overdraft meant NO Overdraft and the representative told me that since it is a subscription it automatically comes out and that I should contact XXXX. The representative finally told me that is a safety account that has the feature I want, and naturally there is a fee for that. As a result, I had to cancel my XXXX account to avoid the fee.
Company Response:
State: NY
Zip: 10314
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I filed a debit card fraud claim on XX/XX/22 The following are the transactions : See attachment Chase has stated to me that they have determined that these charges are valid. I reported the charges within the required timeframe. They have not provided me in writing they reason and evidence used to determine denial that I requested. Total unauthorized charges are {$5500.00} Chase was recently debited the charges from my account, causing my checking account to be at a negative.
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Other transaction problem
Subissue:
Consumer Complaint: Was contacted by JPMorgan Chase bank fraud department on XX/XX/2022 from XXXX stating I had fictitious charges which were on our account, they also stated that there was a wire transfer that was scheduled for XXXX that day for {$40000.00} and I needed to initiate a wire reversal to stop this transfer, well needless to say that day the money was transferred out of our business account, and on the following weeks a fraud case was opened by chase, the results came back as my fault according to chase I initiated the transfer according to them this being the wire reversal transfer, now we are out our {$40000.00} Im not sure where to go or legal action I need to take, I can get all phone transcripts from XXXX XXXX but XXXX states they would cooperate with me fully but would require a court order to obtain, Chase never did send me their final report, this is for Chase business account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I would like to remind you that I sent you a letter regarding my complaint against JPMorgan Chase on XX/XX/2022, and still have not received anything from your side yet. I understand that my case is complicated, and some time is needed to investigate it properly especially taking into consideration the newest conditions. However, the main reason for writing this letter is not even that I still have not received any comments or updates from you on this matter but is a fact that in the middle of XXXX of last year I received the information from JPMorgan Chase that my bank account was frozen according to a court decision. The main thing is that this claim has been made by my creditor XXXX XXXX XXXX XXXX as I had not paid them the full amount. The reason why I could not proceed with the payments in a normal way is the fact that I had been scammed and lost my funds needed. Needless to say, I was deeply shocked by this news and found JPMorgan Chase 's behavior not only outrageous but also dishonest and unethical as their negligence and tries to avoid responsibility are causing me even more problems now. My financial situation is getting worse as time passes and instead of just getting my lost money back as compensation, I have to fight the bank and try to get justice from you. Nevertheless, I believe that you as a regulator understand that such cases are not limited to my case, especially given the information I provided earlier on this matter and therefore can help me and others affected by the bank 's inaction. I, therefore, ask for your help as a regulator and to review my case. If you need any additional information from my side in this regard, please let me know. I will be glad to help you make this process as fast and efficient as possible.
Company Response:
State: IL
Zip: 61107
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was anticipating a large cash transfer from my distributor in XXXX. I asked my Chase bank representaive to look at the transfer paperwork and asked him to have a Chase Bank transfer specialist to look at it, He said it looked OK but that he could not have a transfer specialist to look at it. I called the Chase bank XXXX number and asked if I could scan the document and have a specialist look at it and was told I could not send them a copy but they took the transaction numbers down and said they would report back to me in 24-48 hours. I have still not heard back in three weeks! then I went to a branch and met with a bank officer, a XXXX XXXX XXXX and asked him to look at the transfer and have a transfer specalist to look at it. He said he could not do that but that it appeared OK to him. I found out that a hacker had hacked my email and changed the wire to instruction to my distributor to send the funds to a Chase account in North Carolina that was set up using a variation of my company name and with my full name on it! I provided that information to XXXX XXXX and the other officer and no one took anty action. Te funds were sent to the made up account at the Chase Bank in North Carolina and they would take no action to prevent the fraudulent account from being accessed! This has severly damaged my business any my ability to do futher business in XXXX and this could have been prevented! I have a poilice report.
Company Response:
State: TX
Zip: 78217
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: As one of the benefits of Chase Sapphire Preferred is travel interruption/cancellation insurance, I purchased an airline ticket with Chase Sapphire Preferred . As my travel was canceled due to a covered reason, I filed the claim for travel interruption/cancellation with Card Benefit Services in early XXXX and provided all the necessary documents almost three months ago. Yet, Card Benefit Services has not processed the claim and upon my repeated inquiries continues to state it would take five business days. Multiple times, they continue to ask me to submit documents that I had already submitted, yet I comply each time and submit those documents again and again. Nevertheless, Card Benefit Services continues to state it would take five business days even though I had submitted all my documents almost 90 days ago. Upon checking with XXXX XXXX XXXX, I learned that this is their Modus Operandi to continue to ask things that are either impossible to obtain or simply delay until people get frustrated and quit pursuing the claim. With Card Benefit Services ' atrocious XXXX XXXX rating, and hundreds, if not thousands, of legitimate complaints filed against them with XXXX XXXX XXXX, they find it most beneficial to ignore customers ' complaints and just continue to sit on their claims ; they do not even bother to deny, so the customers could file an appeal. I wrote to Chase Card Customer Service twice to see that their card benefits are honored and customers ' claims are processed in a timely fashion, yet Chase has not taken any meaningful action. They refer me back to their Card Benefit Services and Card Benefit Services do not respond.
Company Response:
State: NC
Zip: 27614
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Chase bank closed my bank account for no reason. And they said they will send me the money through the check in 10 days at XXXX. But I still didnt get my check right now. And I just call them they still dont have information about my check. They always told me next week and just let me wait! Right now is already XX/XX/XXXX!!!
Company Response:
State: NY
Zip: 13126
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A