Date Received: 2022-12-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2022, Chase sent me a phone text message regarding a an attempted credit card transaction that they've declined at a jewelry store. The text message asked me if this was an authorized purchase attempt by me and I replied back " No '' and Chase sent me another message stating that the credit card account will be closed and a new card will be sent to me. Few days later while checking my credit balance I noticed an unauthorized purchase in the amount of {$7300.00} show up on my credit card account with a purchase date of XX/XX/XXXX, the same date when I received the message from Chase regarding the fraudulent transaction attempt that got declined. I contacted Chase regarding the newly discovered fraudulent transaction and told them that I did not make the purchase and the purchase was not authorized by me. They asked me if my card was lost of stolen and because the creditcard in question was still in my possession I said I still had the particular card in my possession, not knowing what stress this answer was about to put me through. So initially, Chase deleted the {$7300.00} from my account, but couple of weeks later, the same transaction was put back on to my account. I called Chase again to dispute the transaction but their reply was because the transaction in question was made using a physical creditcard and since I still had the creditcard in my possession, they dont believe the transaction to be fraudulent and that I am liable for the whole amount! I spoke to the Chase Fraud prevention department several times afterwards trying to tell them I lhave never visited the store where the purchase occurred and have never authorized anyone to make a purchase using my card, but in the end Chase always gave me the same reply saying because the transaction occurred using a physical card and because I still have possession of my creditcard, I have to prove myself innocent. I have personally visited the store where the purchase was made and talked to the owners to get some help from them and the owners do remember the couple who made that purchase ( not me ofcourse ), but because they are afraid that they may have to pay the money back, are not willing to show me any receipt information or provide me with a written affidavit to help me out. So as of now, I am stuck with the bill from Chase. It is my understanding that an unauthorized purchase is a purchase made by someone without the permission of the owner of that account, whether the the card was lost or not. I don't know if someone took the card from me, used it and put it back or whether the card was cloned somehow, but either way I shouldn't have to liable for a purchase I did not make in person nor authorized anyone to make a purchase. Any help will be much appreciated.
Company Response:
State: CA
Zip: 90621
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I received an introductory bonus offer in the mail for a Chase Freedom credit card. I attempted to apply online twice, but I received a system error code both times. I called customer support to inquire, and they recommended making an in-branch appointment. I made my appointment at the XXXX XXXX branch in XXXX, CA. I brought my introductory bonus flyer with me at the time of enrollment and clearly instructed the agent I was only applying for the gas introductory offer of 5 % back on up to {$6000.00} in purchases during the first 12mo. from account opening. I was assured by the agent my bonus would be applied both during and after enrollment. After approximately 1-2 months of purchases and payments toward my account, I noticed I was not receiving the proper rewards back. I was only earning the minimum 1 % back on my gas purchases, which made up nearly all of the expenses on the card. Again, I only applied for this card to earn the introductory gas offer because those are the primary charges I would be making on this account. I attempted to call customer and card member services to resolve the issue, and nothing was done to assist. I spoke to numerous agents all claiming to have created a " case number '' to resolve the matter, but ultimately there was no changes made. I was instructed my next best option was to visit my local branch again to see if the original enrollment could better assist. I made an appointment with my local branch to speak with my agent and updated her on the situation. She was greatly surprised to hear that I was not receiving the rewards and even informed me she had signed up numerous clients for the same credit card/intro offer; worried they might not be receiving the proper rewards as well. She called customer service both on my behalf and together in a joint conference-call to resolve the issue. We were informed a new case would be made and I would receive notice in the mail of the outcome within two weeks. After receiving the letter response, again I was informed nothing could be done to resolve the issue. I called the service number to inquire more information as to why, and I was informed that the Marketing department could not confirm the intro offer I was expecting to receive ; therefore, they would not honor it. If I still had the offer, I was instructed to send it in via secure message on my Chase app and " [ They ] will be happy to review [ my ] account and take the appropriate action ''. Unfortunately, my enrollment agent kept the original offer letter I had received after assuring me I would not need it anymore. I then had to search online for the original offer letter and promptly sent in all information I found via the Chase app messaging service. After 24 hours, I received a response which again stated the offer would not be available for my account. I have attached the same intro bonus I provided to Chase. To be clear : it is not the physical offer I received in my mailbox because my enrollment agent kept that, but this is the same intro offer I was applying for, and Chase marketing agents claimed did not exist.
Company Response:
State: CA
Zip: 92612
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Chase has been forcing me to make double payments on my mortgage. If I dont make the double payments they ding my credit report. I have spent months working with their executive team members and through XXXX without resolution. Mortgage initiated XXXX 2022 Monthly payment due {$2400.00} Total owed from XXXX - XXXX is {$14000.00} Payments that have been made : XX/XX/XXXX {$5200.00} XX/XX/XXXX {$5200.00} XX/XX/XXXX {$5200.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} TOTAL PAID : {$34000.00} On XX/XX/XXXX the issue was supposed to be resolved and they credited me {$10000.00}. However, this issue was not resolved. Chase is stating they refunded me three of the XX/XX/XXXX payments. Those refunds have never been received. I have been fined twice for late payments for XXXX and XXXX and have a 60 day late payment ding on my credit report for XXXX. Lastly, my mortgage principal is not going down even with the extra payments. What needs to happen to resolve the situation is : 1. They need to discover what is going on in their system to prevent this from reoccurring. XXXX. I need the negative ding on my credit report for XXXX removed. XXXX. I need to be refunded the two {$81.00} late fees 4. I need a refund of {$9200.00} {$34000.00} ( total paid ) - {$10000.00} ( XX/XX/XXXX credit received ) - XXXX ( XXXX payments due ) = {$9200.00} XXXX. My mortgage principal needs to be adjusted accordingly
Company Response:
State: MO
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: 2022-12-28
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I used XXXX to send my rent money to my landlord, but he never received it. I went to both banks involved in person and brought my landlord with me. I was advised to file a police report which I did. Chase Bank acknowledged their errors and stated the money went into a wrong account, but could not retrieve the money without a lawsuit. I was unable to get a lawyer. Attached are my statements from my account at XXXX XXXX XXXX and the Police Report.
Company Response:
State: IL
Zip: 60148
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
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: The amount on my card is from XX/XX/2022 I never received the item Chase refuse to resolve {$16.00} I had to waist time and stressed caused by chase Their customer service are wishes from XXXX XXXX dont speak well English and just rude and unwilling to help
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In XX/XX/2022 I went inside the chase bank to withdraw {$1000.00} from the ATM it was the first ATM in XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX United States, so I put the number of dollars I want to withdraw {$1000.00} the ATM was working good but, did not gave me the money {$1000.00} and no receipt so I was already inside the bank and I went to the personal of chase bank and I tell them what happened and they said you need to do a claim so they take me to one of the office and they call to do the claim and I did the claim, they said in one week they were going to give me the money but they still in investigation I tell them check the cameras, so later they credit the {$1000.00} but now they take the money from my account again the {$1000.00} in XX/XX/2022 they said they need more details i I already tell them all the details and I want my money back please is my money and they taking so long please help me.
Company Response:
State: CA
Zip: 90255
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I mailed the check, in the amount of {$2100.00}, and addressed to the payee XXXX XXXX, at a USPS mailbox on XX/XX/2022 ( check number XXXX ). It was cashed on XX/XX/2022. This check was for rent, and I assumed my landlord cashed it. My landlord called me on XX/XX/2022, to tell me the check never arrived at her house. I went to see the check transaction on my Chase account and saw that someone I don't know, whose name is different from the payee, signed the back of it. The check was stolen and cashed by this person. I called Chase and was directed to complete a Declaration of Unauthorized Endorsement or Altered Item form. Even though my landlord mailed the form in on XX/XX/2022, Chase never received it. My partner and I, therefore, went to a Chase branch on XX/XX/2022, to submit the form in person. They accepted the claim but said that the other bank ( I believe, XXXX XXXX ), where the stolen check was cashed, is responsible for payment. Chase followed up on XX/XX/2022, with the other bank. The other bank has not responded as of XX/XX/2022. I have included all the documentation of this claim : the Declaration of Unauthorized Endorsement or Altered Item form with the image of the stolen check with the thief 's signature. As can be seen on the check image, the routing number of the receiving bank of my stolen funds is XXXX. The account number where the stolen funds were deposited seems to be XXXX.
Company Response:
State: NY
Zip: 11373
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am so confuse about this situation. XXXX is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing XXXX that I was a victim of identity theft. XXXX is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. XXXX has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts BLOCKED or REMOVED ASAP!!! JPMCB CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, JPMCB CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 90019
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 on a mortgage
Subissue:
Consumer Complaint: Attn : Research Dept Account : XXXX Borrower : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, OH XXXX Chase has failed at the branch level and the leadership level, to answer the simple question of how and why XXXX was added to a loan modification on XX/XX/2022. A supporting timeline of the unaddressed is enclosed. In one more attempt before counsel gets involved, I request again. Section XXXX of the loan modification agreement, there is an amount of XXXX with no supporting detail calculating how that number was derived. Please supply detailed documentation on how this number was created and calculated to support the agreement. Please assist us with full disclosure or refund the undocumented amount.
Company Response:
State: OH
Zip: 43221
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 presented to XXXX XXXX XXXX XXXXl where Chase advertised that Chase card members who use their Chase card tonpay would receive 20 percent off of concessions. There was no asterisk directing me to fine print or disclosures on the menu board. I found out after the purchase when an employee told me. I am visuly impaired. I rwmoved my eyeglasses and found in the smallest font using a very thin font not bolded language that said " exclusions apply '' but did not say what the excluaions were. The next sentence said alcohol excluded. I didnt puchase alcohol. There are no refunds. Under New York State law, I am entitled to triple my damages of {$58.00} or {$170.00}. Under New York City Ordinance, I am entitled to {$500.00}. This is in addition to any Federal penalties. Respondent should take under advisement that complainant is an employee of the pharmaceutical industry and very familliar with regulations governing use of fine print and making said fine print accessible to visually impaired external stakeholders.
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A