Date Received: 2022-12-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I checked my credit report on XXXX and found that a hard inquiry was made by Chase bank on XXXX XXXX XXXX I did not apply for a credit card. XXXX removed the inquiry and asked me to file a fraud/police report. I also froze my credit. Its under JPMCB
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Chase bank closed my account without warning yesterday and did not disclose the reason. It's the second time I experience my account being locked by them without reason but the first time they locked and also closed the account. When I called to ask what the reason was for the decision, the two employees I spoke with both said the bank did not leave a reason in their " review '' of my account, and that the decision would mean I would no longer be able to open an account with them in the future. I opened a credit card account with them a little over a year ago which I was experiencing difficulty paying due to unemployment/housing instability. When I became employed earlier this month, I decided to open a checking account with them because I understood this to be the easiest way to start repaying my debt and a show of good faith in my ability to do so with a direct deposit from my employer, a reputable cultural institution in XXXX -- also a client of Chase. They closed my account without warning within a week of my opening the checking account with them -- before I even received my debit card in the mail from them, in fact -- and this is not only putting my ability to pay rent on time at risk but my entire living situation as well since I now don't have a reliable way of making electronic payments. I'm incredibly shocked and disappointed by the bank 's behavior. It's dishonest and borderline criminal, fine print notwithstanding.
Company Response:
State: NY
Zip: 11238
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/XXXX I was truing to book a flight through Chase Travel Rewards ( i have a XXXX preferred credit card ). I kept on receiving an error message " Error.Booking.Result.EngineError.183 '' and was not able to book my flight. After calling Chase travel rewards and having them try to book the flight for me over the phone, they said they were experiencing the same error. After being on the phone for more than 2 hours and being passed back and forth between different departments no one at Chase was able to determine what the cause of the issue was and told me to just try again tomorrow. When I looked at the flight the next day ( XX/XX/XXXX ) the price had increased from {$580.00} to {$770.00}. And I was still unable to book the flight without the same error coming up. After calling back and trying to book the flight Chase was still not able to book the flight, even at the increased price. They were not willing to work with me in anyway to potentially allow me to lock in a price for the flight while they " continued to look into the matter ''. So now I am in the situation where I pay a yearly fee of {$95.00} for this credit card and its rewards, but am not actually able to use the rewards for anything. And the reason for that is a failure in the Chase system that no one is willing to address. Please note that this is not the first time I have experienced this issue, as it has been an ongoing issue since over the summer.
Company Response:
State: MA
Zip: 02127
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Chase bank terminated my bank checking and savings account and credit card account without any notice. Online account access was blocked citing " ... locked due to suspicious activity ''. I called the telephone number provided and was told no details would be provided per Chase policy. I spoke with a supervisor who told me the same. I visited a local bank branch who repeated the same information after making a call to Chase headquarters. " Chase is terminating its relationship with you '', was the only statement provided. The branch refused to refund my money and refused to pay any possible non-payment fees for upcoming auto-payments affiliated with the accounts. I was told I would receive a cashiers check in XXXX days for the account balances. In the meantime I have no cash and no credit card for daily expenses.
Company Response:
State: NV
Zip: 89523
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: In short, the bank, in this case Chase Bank, continues to charge my personal checking account a $ XXXX XXXX fee even though XXXX ) I have sufficient funds to avoid this XXXX service fee and XXXX ) I have linked my business account with a balance of {$5000.00}, which also means I do not owe this fee. I am making this complaint because I have had to call Chase XXXX separate times to have them refund these service fee charges, which they have done, BUT they also informed me that their computer system may so this again because it sometimes does not recognize that its customers have sufficient balance in their account and will charge them anyway! XXXX. I respectfully request that you, the CFPB look into inappropriate service fees charged by Chase to its customers, as you all did with XXXX XXXX recently, which resulted in a large fine to the bank. I have attached a snapshot of my account activity as evidence. Thank you.
Company Response:
State: TN
Zip: 37115
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX, I spoke directly to a Chase banking representative who offered an upgrade bonus of XXXX after the first purchase to switch from the Chase XXXX XXXX XXXX to a Chase XXXX XXXX XXXX with an increased annual fee of {$250.00} and after spending {$15000.00}, I would additionally receive a free XXXX XXXX point night. I requested documentation to review the terms of the offer. The representative directed me to the following website to review the provisions of the offer ( see attached pdf file containing terms of the offer ) : https : XXXX I asked whether I needed to follow the link from the offer in order to ensure eligibility. The representative stated, " No, I can see on your file that you are eligible and I can process the upgrade right now over the phone. '' I accepted the offer and was sent the Chase XXXX XXXX XXXX and adhered to the criteria listed in the upgrade offer, including spending {$15000.00} to receive the additional free XXXX XXXX point night. Upon receiving my next statement I contacted Chase to inform them that I had not received the XXXX from the upgrade. I was instructed to wait until the next statement in XXXX with an explanation that the bonus points can take XXXX weeks. Upon receiving my XXXX statement, I followed up again inquiring about the missing XXXX. I was told the issue had been elevated and the points would be directed to my account. On XX/XX/XXXX I called back to let them know the points still had not arrived and was told there was no history of any upgrade offer for existing customers and the offer is only available for new customers taking out a credit card for the first time. I directed the representative to the upgrade offer that I was given information on and is still active through XX/XX/XXXX. The representative acknowledged to offer, but stated there is no information entered from the representative who processed the upgrade indicating any promotion was used. The representative stated the upgrade offer requires a person to use the link provided from the website and since there is no proof in the notes of the representative who assisted me on XX/XX/XXXX that they can not honor the upgrade since I upgraded the card on my own volition with no upgrade offer applied to the transaction. I advised their calls are recorded and requested a review of the conversation held on XX/XX/XXXX that lead me to accept the Chase upgrade offer over the phone. I was told she would elevate the issue and a representative would follow up. I informed that I have been told previously the issue was elevated and no one followed up. Contacted Chase on XX/XX/XXXX, the representative stated the notes indicate the XXXX from the bonus offer were being directed to my account. On XX/XX/XXXX I received an letter from Chase dated XX/XX/XXXX informing me that they reviewed the recording with their Chase representative on XX/XX/XXXX stating, " Please accept our sincere apologies for any misinformation by our customer service phone XXXX regarding the XXXX XXXX upgrade bonus of XXXX points ... the offer was available only for select XXXX XXXX card customers. We are unable to honor your request for XXXX points. '' It is wrong for Chase to acknowledge they extended an upgrade offer, but are refusing after the fact to honor the terms of their upgrade offer, after I've met all the terms of their offer.
Company Response:
State: WA
Zip: 98685
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: XXXX XXXX XXXX XXXX, Mississippi XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Open Letter for Open Records for PROPER RECORDS Card Ending XXXX : or Claim Number __________________________ Dear XXXXXXXX XXXX XXXX XXXX Attached you will see a notification received through XXXX XXXX XXXX regarding the verification of my tax return which will be sent over to my legal counsels of records and my certified public accountant for full review and to question as to why is XXXX in my personal business and in my personal affairs in regarding my tax returns and to question me or to even ask me for verification of such tax returns. I express this in my answer to this form that I consider to be as bogus as they may come. Since XXXX wants to verify such records as my tax return and thinks that they are entitled to my tax returns transcripts. I too would like XXXX to send their records request to the XXXX XXXX XXXX XXXXXXXX, Department of Veteran Affairs, and any other employer of record to get whatever records they may need in nature to their request. Ask them all for their PROPER RECORDS under verification and attached their W-2s C, rules, and regulations, applicable laws, and statutes to support their records under this verification process. I am not consenting to anything anymore in this country until your business or government agencies produce the PROPER RECORDS under sworn affidavits officially signed and sealed under blue and black ink by the authorized representative just like your return records are trying to get me to do. XXXX XXXX XXXX and XXXX XXXX XXXX are not the same company or business or are not sister agencies among each other. Now that you have this OPEN RECORD which I will continue to keep open for the general public to read and review and as well as draw concerns XXXX XXXX XXXX has no right to be trying to probe into my personal life and private affairs trying to use some undercover tactics to get my tax returns or tax returns transcripts. Now that you are in here and we are verifying records please request that all your governments records be officially and legally signed off on in black and blue ink by the authorized representatives and attached the rules, regulations, policies, applicable laws, and statutes to your PROPER RECORD for full review and complete understanding. This is a very simple OPEN RECORD request for ALL your PROPER RECORDS under the name of XXXX XXXX XXXX. If there is any debt owed or due, then such PROPER RECORDS must be attached with a legal receipt of record for full payment and payment processing. I am returning your records attached for evidence for more work and a full explanation of who, what, when, and where such person or body of people gave you my information to run and to try to get me to consent to something that I clearly dont appreciate. If any things are to be reported to XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting any kind of late payments or delinquencies? Now produce my credit profile/credit report with all receipts or amount owed due or that is late with XXXX XXXX XXXX. If you have any issues or problems, you have my consent in this written communication to contact my legal counsels of records and my certified public accountant for they too will be getting this communication to support your email request for any records of mine under a sworn affidavit with your paperwork signed off on in blue or black ink only. You suppose to have everything about me since you have my name, date of birth, and social security number. The records that I have from you that you provided to Chase Financial Services, N.A. will be returned for more work as well. If you have a legal counsel of record on staff or that is representing you, then please share this open letter with him or her to further assist you. If I can sign records, then so can you officially and legally sign off on such records under the exact name of the person listed in the signature block for full accountability. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX CC : XXXX XXXX XXXX XXXX IRS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: XX/XX/2022 I was scammed by a loan company that got into my chase account and put in claims for XXXX. Chase stated they did investigation. They did a reversal on funds then XXXX XXXX they took money back and closed my accounts. I spoke to XXXX and XXXXXXXX XXXX XXXX XXXX and they both stated that chase and recover the money. Fast forward XX/XX/XXXX I get a bill for {$1100.00}. I know I got scammed however Chase didnt due their job
Company Response:
State: IN
Zip: 46060
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: *********************** REVISED COPY ( XXXX ) ******************* XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, IL XXXX ___________________________________________________________________ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Open Letter for Open Records for PROPER RECORDS Card Ending XXXX : or Claim Number __________________________ Dear XXXX of Records : Attached you will see a notification received through XXXX XXXX Service regarding the verification of my tax return which will be sent over to my legal counsels of records and my certified public accountant for full review and to question as to why is XXXX in my personal business and in my personal affairs in regarding my tax returns and to question me or to even ask me for verification of such tax returns. I express this in my answer to this form that I consider to be as bogus as they may come. Since XXXX wants to verify such records as my tax return and thinks that they are entitled to my tax returns transcripts. I too would like XXXX to send their records request to the Department of the XXXX, Department of Veteran Affairs, and any other employer of record to get whatever records they may need in nature to their request. Ask them all for their PROPER RECORDS under verification and attached their XXXX C, rules, and regulations, applicable laws, and statutes to support their records under this verification process. I am not consenting to anything anymore in this country until your business or government agencies produce the PROPER RECORDS under sworn affidavits officially signed and sealed under blue and black ink by the authorized representative just like your return records are trying to get me to do. XXXX XXXX XXXX and XXXX XXXX XXXX are not the same company or business or are not sister agencies among each other. Now that you have this OPEN RECORD which I will continue to keep open for the general public to read and review and as well as draw concerns XXXX XXXX XXXX has no right to be trying to probe into my personal life and private affairs trying to use some undercover tactics to get my tax returns or tax returns transcripts. Now that you are in here and we are verifying records please request that all your governments records be officially and legally signed off on in black and blue ink by the authorized representatives and attached the rules, regulations, policies, applicable laws, and statutes to your PROPER RECORD for full review and complete understanding. This is a very simple OPEN RECORD request for ALL your PROPER RECORDS under the name of XXXX XXXX XXXX. If there is any debt owed or due, then such PROPER RECORDS must be attached with a legal receipt of record for full payment and payment processing. I am returning your records attached for evidence for more work and a full explanation of who, what, when, and where such person or body of people gave you my information to run and to try to get me to consent to something that I clearly dont appreciate. If any things are to be reported to XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting any kind of late payments or delinquencies? Now produce my credit profile/credit report with all receipts or amount owed due or that is late with XXXX XXXX XXXX. If you have any issues or problems, you have my consent in this written communication to contact my legal counsels of records and my certified public accountant for they too will be getting this communication to support your email request for any records of mine under a sworn affidavit with your paperwork signed off on in blue or black ink only. You suppose to have everything about me since you have my name, date of birth, and social security number. The records that I have from you that you provided to Chase XXXX XXXX, XXXX. will be returned for more work as well. If you have a legal counsel of record on staff or that is representing you, then please share this open letter with him or her to further assist you. If I can sign records, then so can you officially and legally sign off on such records under the exact name of the person listed in the signature block for full accountability. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX CC : Records Internal Revenue XXXX IRS ) Certified Public Accountant ( CPA ) Legal Counsel of Records
Company Response:
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: There was fraudulent activity on my son 's account and CHASE bank did nothing to close or freeze his account. Unfortunately my son received a text from XXXX claiming to be from CHASE : Your debit is temporarily locked due to an unauthorized transaction. Review & Confirm XXXX XXXX XXXX step My son click and they were able to hack his phone and obtain all his information. They changed his password and sent XXXX payments to two individuals through their phone on XXXX. I had open 6 complaints to indicate why my son wasn't notified of such transactions. They claimed it came from his phone which my son never authorized it. He has a CHASE app and would not go through XXXX to do such transactions to another state at XXXX. My son called them as he was not aware of what was happening on his account until he made a food purchase and said he was low on funds. The claims agent I spoke to said there was fraudulent activity of someone trying to open an account under my son 's name but was declined. My son was never notify of such issue. If CHASE was aware of such activity they should of froze my son 's account until they reach him. CHASE did not protect my son and should of have more confirmation from son 's through email or phone. This happened in XXXX, now CHASE sends multiple notification before sending XXXX, this measure should of been happening months ago. These scammers found a way to trick us. CHASE refused to look further as I provide phone message and calls when his phone was hacked. I was told that they don't even look into a claim, they refuse on the spot. They only open out of curtesy. The bank was aware and didn't nothing to stop these people from steeling my son 's money. They claim to record our phone conversation, as we ask for proof of my son ' approving such transaction and they refused. This happened XX/XX/2022 total stolen was {$510.00} with CHASE, this was my son 's college fund that he had save for.
Company Response:
State: IL
Zip: 60652
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A