Date Received: 2023-01-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Chase payment via XXXX for a purchase on XX/XX/ in the amount of {$140.00}, when attempting to dispute the charge Chase has indicated that they are unwilling to help ( despite being a " Chase Private Client '' ) and unable to do so.
Company Response:
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I signed up for the Marriott XXXX branded credit card with Chase Bank. that promised XXXX Bonus Points when I speed {$3000.00} in the first 3 months ( I have the website image offer ). The points expire in 6 years in the XXXX program. I received the card and spent {$15000.00} in the first month, and {$4900.00} in the second month. I received in my XXXX account three offers of three 3-night stays of {$50000.00} each. While these total more than the XXXX points promised, the use limitation and expiration are a serious downgrade in value. They expire in less than 1 year and can not be supplemented in points or dollars to be used for XXXX nights in the hotel brand we frequent - the XXXX, XXXX, The XXXX XXXX, XXXX XXXX, etc. I have called and written and the XXXX reward department of Chase refuses to change the offer despite the proof of the offer image on the site from which I applied.
Company Response:
State: CO
Zip: 80504
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
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 am a documented victim of identity theft. My mortgage company had a breach of information and all of my personal account information ( SSN, drivers license, personal information ) was stolen. During this time, an individual stole my mail, diverting all of my physical mail to an address in XXXX ( I live in XXXX ). They then opened a fraudulent JP Chase Credit card account in my name. The individual then charged almost {$10000.00} to this fraudulent credit JP Chase Credit card -- - for " Intensive Therapy. '' [ A fraudulent business which listed my name and and my home address as the place of business, billed me on invoice # XXXX, for a credit card opened the day before, for XXXX session of therapy totaling close to $ XXXX at my home address. In an of itself, this should have been thrown out ] The invoice is fraud, the account is fraud, and the charges are fraud. However, JP Chase Credit company will not resolve the dispute of transaction, claiming I requested the card and set up the card using my phone. I have provided Chase with documentation from the XXXX XXXX XXXX that my mail was being stolen. I have provided Chase with phone records that I did not make a call to activate the card as they state. They are still denying and saying I made the charges. I have tried to resolve the issue with Chase -- but they have XXXX customer service. I get a canned response, a XXXX line letter saying that they did a review and the charges are valid. I have provided packets of documentation showing the contrary. I am a documented victim of identity theft. I have had this reviewed multiple times and can not get anyone from Chase to resolve this issue. I am now being held liable for these fraudulent charges because of Chase 's incompetence, it's failure to protect its customers, and its violation of XXXX XXXX of Rights. I have provided them with information that my identity had been stolen ( through my mortgage lender breach - letter attached ), a copy of a police report ( attached that showed my home address was changed, and I was a victim of identity theft ), and provided all relevant information, as well a fake business receipt which looks like a XXXX XXXX XXXX developed it. Still, I am on the hook for this money and have received XXXX help or support from Chase.
Company Response:
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/2022, I sold my property to where my closing attorney wired the payment to the business account I have on file with Chase bank. Before that I called the bank and was informed, I should receive the wire in 1- 2 businesses days.I called Chase on the XXXX and was told that the money is there and pending.That same day I also made an entry to the Chase " secure message center '' & received a response that the wire is under review. On XX/XX/XXXX I went online and my business account was closed.I immediately called the bank and a representative stated that the system automatically closed my account for inactivity. The supervisor later reopened my account, but did not show until the following day .It is now Monday, XXXX XXXX and the bank has not released my money. Please look into this matter for me because Chase bank has failed me. They are holding the money for the sale of my property and this is not settling well with me. They have lost my trust.
Company Response:
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
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: Dear, Chase I am writing to dispute a charge of {$500.00} to my credit card account on XX/XX/XXXX, XXXXThe charge is in error because the merchant cancelled the order for credit card verification purposes and refunded me in the amount of {$8300.00}. Then rebilled my account for the amount of {$500.00} I was able to contact the merchant and find out that I had been charged for a separate order that was processed without my knowledge and has already been returned but the merchant did not advise me of when a credit would be applied to the account. Can you please continue the dispute as I have proof a returned receipt. I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. The merchant now has their merchandise back and along with the funds paid to them Attached are copies of a XXXX tracking information supporting my position that the entire order was returned. Please correct the error on my account promptly.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I opened a Chase Amazon card for large purchase at an 18 month interest free payment. When I opened my account it defaulted to Amazon. I took the card off and put the card I wanted my purchase on-but yet it kept processing payment on this card. Amazon refunded the unauthorized purchases back to the card. Chase used the refunds to go to the interest free balance, which pushed my monthly payments up to XXXX per month from my previous XXXX monthly charge and my interest free balance to XXXX for the interest saving balance. I called several times to have this corrected and was told it would be corrected. My phone call on XX/XX/19 resulted in Chase saying that they would take the credit from the promotional item to the balance. I called in XXXX, XX/XX/19 and XXXX. I called on XXXX to pay my bill only to find that the refund wasnt corrected to refund the purchases, it was left on the interest free balance item. I was mislead and did not authorize this card for the additional purchases. My refund should have gone to the purchases not the interest free balance item. This is a gimmick. I am a single, XXXX XXXX mom and have excellent credit and opened this card to pay for a large item interest free. My phone call on XXXX ended with Chase hanging up on me saying they wrote me a letter that they can not apply the refund as I requested, as theses purchases were not authorized on this card. I was told on XX/XX/19 that this would be corrected and the refund would be correctly applied to my purchases that were unauthorized as I requested, yet this was never completed, and Chase is now refusing to do this request as previously promised.
Company Response:
State: TX
Zip: 77586
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Other transaction problem
Subissue:
Consumer Complaint: My Checking Account was involved in fraudulent activities which included wire transfers to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I reported this to the bank and was unsuccessful in getting a solution.
Company Response:
State: NY
Zip: 11225
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I am a business owner and have been banking with Chase financial Institution for many years, all of my business and personal banking needs as well as credit cards. During the pandemic In XXXX I and my partner were in the process of selling our business to potential buyers. Before the sale was closed and escrow requirements were met, we noticed significant amount of Business Credit inquiries on our business, which were not being inquired by us. When we found out about it, we warned them that law enforcement will be involved if they do not stop and the sale never went through. After that they disappeared. In mid XXXX I found out that I became a victim of identity theft and multiple fraudulent transactions appeared on some of my accounts. Both of my personal and business accounts were compromised. I found out about the fraudulent activities when a lot of my business and personal payments started returning. My accounts started hitting negative balances which further resulted in return payments and closure of my accounts. Up until today I am still receiving emails that unknown parties are attempting to login into some of my various accounts. So once I found out, I called Chase and opened several claims from XXXX XXXX XXXX merchant. It went on for several months and chase had been continuously telling me that the claims were denied. At first the reasoning was completely different than later in the process. At first the claims were denied because of the 60 day rule, which is not what my phone records indicate. After explaining and persisting they reopened the claims and denied it for completely different reason. Throughout this time I received and opened an email from the merchant XXXX XXXX XXXX that was being disputed, which stated that {$17000.00} was charged back by my financial institution. But Chase never disclosed this to me. They kept denying the claims. Furthermore, after researching I found out that Chase collected the money and closed some negative balances that had occurred and every Claims supervisor kept telling me that the claims are being denied. Chase collected the money and did not disclose the fact to me and neglected me. So, for more than 3 months I have been ridiculed, neglected, manipulated by the very financial institution I banked with and was told that claims are denied. If the claims were denied as I was being told on multiple phone calls all this time for months, how can Chase secretly collect money from the merchant for certain transactions and deny the others in the same claim and misinform me. How can it take the executive team weeks to find out why was this fact hidden from me?
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: I am appealing Chase Bank decision on XX/XX/XXXX. Case # XXXX. The decision and argument were heartbroken for me who is devastated by the scam loss. I strongly disagree Chase Banks decision due to the facts these wire transfers were authorized unknowingly under a fraudulent theft scheme. Its a wire fraud.The customer, I believed I was sending my money to invest for a profit and blindly fell into a scam trap manipulated by the scammer I met online whom I blindly trusted and believed She was giving me an investment opportunity. I was skillfully duped to wire my money to different services providers domestically/internationally the scammers customer service provided to me. The reason to send my money to service providers instead of the exchange platform was this Exchange was a crypto currency trading platform and was only accepting crypto currencies not US dollars. I needed to exchange my US dollars to USDT- an equivalent of cash for crypto currency and the services providers for the Exchange would do that for me. In order to avoid the suspicious by the bank, all wire transfers were instructed for the purpose of Goods or Contracts or personal use ( Chase argued there were no signs of fraud and purposes of payment for personal uses ). Chase ignored the fact. Its a scam. the authorized process was under a fraudulent scheme. I was totally swindled and scammed to blindly follow the scammers instructions to send out those funds from my Checking account. This investment theft scam was discovered on XX/XX/XXXX, after my withdrawing was blocked. All the money once left my bank accounts were stolen and gone. The deposited balance on my account on that Exchange Platform were just faked balance number. The case is reported to XXXX and now its under the investigation of XXXX XXXX XXXX XXXX XXXX ( police report # is XXXX ) It also reported to Law Enforcement agencies -FBI , USSS , FTC , OCC . I understand the position Chase is standing for and argued about the customer authorization. But as a victim that suffered a big loss ( $ XXXX ). And all the transactions were obviously fraudulent and had many suspicious activities such as wiring out such a big amount and in such a short period of time repeatedly. On XX/XX/XXXX, there was a wire transfer of {$50000.00} failed to deliver. ( scammers receiving account didnt receive it ), their customer service contacted me to tell Chase to recall this wire fund and resend it after it came back to my account. I wired it out again on the same day the recalled money deposited to my account on XX/XX/XXXX. There was no warning and alerts from Chase fraud protection department before releasing that {$50000.00} that just deposited on same day on XX/XX/XXXX. In short, I was a victim of wire fraud scam. I did not know its a scam. The authorizations were not legitimate. Chase bears the responsibility of negligence. It should contact the Law Enforcement that is investigating my case to verify the scam. Chase also needs to provide me details of their wire recalls, especially on the receiving accounts. If my wire transfers were proven to be scam, Chase should protect and reimburse me from their fraud protection insurance. But Chase just choose ignoring my request and stopped to further investigate the case. There was no phone call from Chase Executives Office to me to discuss the details during their investigation process requested by OCC. Chase on XX/XX/XXXX, mailed me a letter which just pushed away their responsibility and claimed theres no error on their side and transfers were authorized by me. Theres no mention about wire fraud and scam and there was no mention about any inquiry to Law Enforcement about my complaint. I am XXXX XXXX XXXX and lost my life time savings and retirement money from this scam. I can not afford to hire a lawyer to help me. I already filed reports in law enforcement agencies. I hope the CFPB and FDIC will make an investigation on this wire fraud and have an third party reviewing the case and contact Law Enforcement for further investigation information about this scam. Below is contact information from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Company Response:
State: NY
Zip: 11364
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Problem with customer service
Subissue:
Consumer Complaint: I have been a good member before Covid. I lost my phone and majority of my credit card was maxed as it was difficult for me to get a new job due to Covid and I ended up becoming homeless. Date : XX/XX/2023 CHASE BANK XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX. CHASE CUSTOMER SERVICE - DISPUTE PROCESSING Re : To Whom It May Concern, Please accept this letter as my request to remove all/any negative items ( late payments ) from my credit report ( XXXX, XXXX, XXXX, XXXX, etc. ). In support, I want to state the following : First off, I would like to take this opportunity to thank you for the excellent service I have experienced as a consumer. I have been a very loyal consumer with exceptional payment history, paying on time and accepting all your company conditions. Unfortunately, I went through a financially tragic moment where I lost my job due to C O V I D - 19, and as a result, I missed several payments. According to the law I have my right to dispute what I consider unfair, and I consider it unfair that I tried to communicate with your banking institution representatives on several occasions and the answer was that late payments would never be removed from my account, I tried to explain my situation to continue being a client and constantly paying but the answer was always negative in trying to help me. I would have my payments made on time if this had never happened, now reflecting an unfair credit report from me. To make your process of deletion easier, please find the late payment dates below ( which I would like removed ) : XXXX I appreciate your time and consideration. Please, contact me by physical address/mail or email only, which are both verified and linked to the account I hold with you. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX Maryland XXXX
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A