Date Received: 2022-12-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Hello, so on the XXXX of XXXX I noticed I had two transactions one on my Chase online for XXXX dollars and another for XXXX dollars on my XXXX XXXX, this was all through XXXX. I called XXXX XXXX and they deemed it fraudulent and I was returned my money. Chase said I approved the transaction, I called asked for evidence and why it was denied the lady said she cant talk about the case past XX/XX/XXXX. I was notified that my claim was rejected on XX/XX/XXXX. My phone number was taken and XXXX XXXX saw three unknown areas were logged into and Chase either never looked into it or thought I was out of the country at the time. The man who scammed me was using my own number to call and harass me when chase first reversed the transaction. I never got notified of my transaction with the scammer until a day later. The photo shows him added himself then showed I didnt wan na receive messages at this number. Yet I responded with nothing.
Company Response:
State: CA
Zip: 95926
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Chase bank and XXXX XXXX offer a co-branded card, " XXXX XXXX XXXX ''. My family recently upgraded to this card which costs > $ XXXX for the benefit represented as " XXXX XXXX XXXX XXXX - access to XXXX XXXX at airports. XXXX members of my family are authorized cardholders, each with their names on their individual credit cards. My daughter was traveling today XX/XX/2022 and was denied access to the XXXX XXXX at XXXX XXXX ( XXXX ). After calling in, and MUCH trouble, which included a malfunctioning customer help line at XXXX, being hung up on by XXXX supervisor and numerous required repeated attempts to validate on their automated system to get back in touch, I was told, yeah, that's only for the " primary '' cardholder, my wife. I am sick and tired of this bait and switch game - we have NEVER once tried to use a card benefit advertised by these bozos and NOT had a problem! This is a pattern. They are engaging in predatory false representations to steal money from people. In this particular case, you have got to do something and force them to disclose clearly the limitations of any benefit they are touting BEFORE the customers agrees to pay money for the " service ''. This is a systematic abuse, in my opinion, after long experience with these companies. You should investigate this practice. I am not a fan of government regulation. But this is the poster child for it. Please do something.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: XXXX is available on XXXX website. I tried to opt-in through the form. The submission returned and error saying I am not eligible. The terms shown below the form indicate I am eligible because I have an open account, its not delinquent and my card is XXXX of the XXXX eligible cards. Chase responds a few days later saying I am not eligible. The website is freely accessible by searching on XXXX for XXXX chase promo. The webpage is accessible to the public at XXXX XXXX XXXX
Company Response:
State: CA
Zip: 94010
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Chase is cold calling me trying to get me to refinance or to open a mortgage with them. I do not have a mortgage with them but I do have several credit cards. I had told them I never agreed to marketing calls. They tried to flip it and tell me they were calling me to " provide assistance ''. I told them how is " providing me with assistance '' if I don't own the product and this was a blatant sales call they were attempting to reframe as " customer assistance ''. There was nothing to assist me with. My preferences on their site state specifically I do not want this kind of engagement. I reminded the lady there is a {$500.00} fine for each of these kinds of calls and she quickly got off the line.
Company Response:
State: CO
Zip: 80302
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Someone call me from chase and said my account was being frauded and that I had to XXXX XXXX to my own number so it can create an error code and with that they can be able to stop the people who were trying to access my account and that the money will not leave my account since Im sending it to my self and when I did the money left to someone else account at a XXXX bank so when I seen the money leave they said I will get it the next day which I never did so when I called chase they informed me it wasnt them and I was fraud victim but that they will investigate and see if they can recover my XXXX this was in XXXX and still not resolved
Company Response:
State: CA
Zip: 92336
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX charges yo my account where done without my authorization. These charges started increasing until I noticed them. These charges where performed overseas. My initial claim. Was denied. I then sent proof of my expired passport and work time sheets to prove these transactions was not done by me. Since chase claims they are indeed mine.
Company Response:
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX, Chase Bank posted a check for {$1000.00} to be withdrawn from my account. The check was forged. It had been stolen from the HOA company po box it had been sent to. Washed, except for my signature, and refilled out for a different amount and recipient. The check had been done as a mobile deposit through XXXX XXXX XXXXXXXX. I notified Chase Bank on XX/XX/XXXX of this issue and went to the local branch to file a Declaration of Unauthorized Endorsement or Altered Item form. I have duplicate checks, so I was able to show them who the check was originally written for and the amount. They said since it was within 24 hours, they would be able to reverse the charge. This didn't happen. I also filed a police report with the XXXX Police Department in North Carolina. When I called the Fraud department on XXXX, I was told by XXXX they hadn't received the form even though the branch had faxed it to them on XXXX. I went back to the branch, and they refaxed it to the fraud department and called to confirm they received it to ensure there was no other issue, but now it could take up to 30 days due to the delay of them getting the form. I also gave them the police report # XXXX that had been filed on XX/XX/XXXX, because that's when I was told they needed it. On XX/XX/XXXX, I called the XXXX Department again and spoke with XXXX and was told they were investigating the matter and it could take up to 60 days since involved another bank. The time had now been increased again. On XX/XX/XXXX, the same check ( though they changed the last two numbers on it ) was put through again for {$500.00}, had been made out to the same recipient, and mobile deposited through the same XXXX XXXX XXXXXXXX. I immediately called the Fraud Department and was told my account should have been closed and a new one set up when the first incident happened, but no one told me this when I notified them of the issue. I went back to the branch they helped me with the situation and apologized but said the account had to be open in order to give me the money back, but they would now set up a new account for free, till that money could be recovered. I told them they had a digital footprint on both of these transactions, and it was not fair that I was out this money due to them mishandling the situation. They were kind enough to give me back the {$500.00} taken from the account, but nothing was done about the initial {$1000.00}. I've called the Fraud Department back 6 additional times since then and been told each time that they are waiting on XXXX XXXX XXXX to refund the money so they can return it to me. On XX/XX/XXXX, I even spoke with a supervisor who told me that it could take up to 120 days from that day to resolve it, which makes it XX/XX/XXXX. This is grossly unfair, and I stressed that to them, but was told that all financial banks did it this way. I wasn't negligent with my checks. It was originally sent to our HOA XXXX XXXX XXXX XXXX, NC. I notified them within 24 hours of the forged check, and they refuse to give me back my money because they are waiting on XXXX XXXX XXXXXXXX. Both banks have digital footprints on these transactions so it's completely unacceptable that they aren't fixing the issue. They are federally insured of any money transgression against them, but they don't protect their customers from problems with their policies. As of XX/XX/XXXX I still have not gotten my money back and they still say it could take up to 120 days, so we are now past the XX/XX/XXXX date. When do they have to make right on this situation?
Company Response:
State: NC
Zip: 27520
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
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 was charged XXXX for a hotel night stay in XXXX for XXXX XXXX XXXX. Unfortunately this was charged to my chase freedom unlimited card at that time. When my daughter and I stayed at the hotel there was a problem with the ac that was above the bed. That ac became broken in the middle of the night and dropped buckets of water on our bed. I tried to change rooms but the hotel was booked. My daughter is XXXX XXXXXXXX and this was not acceptable for us to sleep in a bed drenched with water and the floor full of water. I tried to dispute this charge with chase multiple times with no luck and no recourse. I recently closed out my chase account and paid XXXX for the account. The remaining balance was for the XXXX which I did not agree to pay. Over time with interest the balance has increased to XXXX. Now this is being reported on my credit report as negative given the disservice I was provided with is not acceptable.
Company Response:
State: NY
Zip: 10801
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: At XXXX XXXX. on XX/XX/2022, I received a text saying from the number XXXX saying, " JPMorgan Chase Bank : Did you attempt {$360.00} at XXXX # XXXX? Reply YES or No. Case XXXX to opt out reply STOP ''. I then replied with " NO ''. Immediately after I replied with no, this number called me from XXXX, California, and told me someone was actually trying to take {$10000.00} out of my account, and to go about preventing this I would need to provide my username and password to my chase bank account so I could reset my account in 24 hours. As I am on the phone with this scammer the text comes through saying " JPMorgan Chase Bank XXXX : To cancel online username and password send Username/Password/Cancel. '' I then sent them my username and password believing it was Chase Bank. After I did this, the scammer told me to go into my chase app, click pay and transfer, then wire and global transfers and wire transfer {$10000.00} through my Chase app saying I would end up getting the money back in 24 hours. I then go back into my account seeing I am missing {$10000.00} and immediately call Chase at XXXX. They looked into it and said that it was not them that called me originally. As I was on the phone with Chase, they told me that it was not them who sent the text or called me. I was then transferred to the fraud department and they told me to fill out a claim report and also walked me through setting up security passwords for when I would call Chase so I would know that it was actually them who was calling. After that, the fraud department helped me set up a new password for my account. They told me they were going to investigate it. After that, I had to go into a branch in XXXX, IL to help me get into my account. The man at the bank filed a claim too. On XX/XX/2022 at XXXX XXXX. I went to the XXXX police station to file a police report on the fraud. Since then my mom has been in contact with the XXXX Claims Department via phone and the XXXX XXXX XXXX via email through the CHASE app numerous times. Each time she calls she gets the run around they say they can't do anything more. They tried a couple of times to try to recall the money from XXXX XXXX XXXX On XX/XX/2022, I received a letter from Chase saying they completed their research and are denying the claim. On XX/XX/2022, I called the XXXX XXXX police with the information of the person listed on my statement to see if they can help by investigating the person who took the money. Since then we are waiting for the XXXX Police Department to talk with the XXXX XXXX Police Department. My mom also went into a Chase XXXX in XXXX, IL. The manager there even tried to help but wasn't successful. The XXXX XXXX XXXX continued to tell my mom that she needed a hold harmless letter '' that needed to be provided to XXXX XXXX XXXX. But, when she would call the claims department to ask for it, the claims department said they no longer provided those letters even though that is what CHASE XXXX XXXX said to do. I do have the name and address of the person who took my money.
Company Response:
State: IL
Zip: 60010
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Struggling to pay your bill
Subissue: Filed for bankruptcy
Consumer Complaint: I had these two Credit Card While I was Married to the mother of my children she had used them and I filled for XXXX and these two accounts were there.
Company Response:
State: PR
Zip: 007XX
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A