Date Received: 2022-12-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I used my credit card for XXXX duty fee refunds. The amounts credited to my card were incorrect. I called Chase customer service XXXX times. The first XXXX associates put me on hold and XXXX hung up and the other did not return to the call for XXXX minutes, The XXXX associate took my complaint to forward to the back office however no one has gotten back to me. Since the credit was in a different currency I inquired what foreign exchange rate Chase used. The associate did not know. I asked what the XXXX credited was. The associate did not know. Using your card to receive a credit is no different than using your card for a charge. The associates should know this information and rectify it in an expedient manner. Credit card companies are dealing with peoples money and they should be transparent and knowledgeable about customers transactions. Chase advertises this card as No foreign transaction fees, I'm not sure if they are padding the exchange rate to disguise a unauthorized fee or whats going on.
Company Response:
State: NJ
Zip: 07869
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I deposited a check in the amount of {$410.00} in my Chase account. However, for some reason they refuse to release it until XX/XX/23, and they've been charging me all sorts of fees despite the account being in the positive. This is unethical and against the law.
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Received letter from Chase Bank including a debit card for a checking account that I did not open.
Company Response:
State: OH
Zip: 43110
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX ( XX/XX/XXXX ), around XXXX XXXX. My grandmother and I went to the Chase branch located at XXXX XXXX XXXX, XXXX XXXX XXXX NY to deposit an intended original amount of {$9300.00}. There were four ATMs available, three were in a row, one was by itself. I used the middle one on the row. I started depositing bills without counting the exact amount and I did a total of four deposits on that middle ATM totaling {$6700.00}. So I still had to deposit {$2600.00}. I decided to move towards the ATM to my left, nearest to the window. I moved because this ATM took XXXX bills at a time rather than XXXX bills at a time like the middle one. I deposited {$2400.00} into this ATM, because I kept {$200.00} with me in cash. Then an error occurred with the ATM, and instead of confirming my deposit, it gave me a receipt telling me " to be sure your deposit went through, please call us at XXXX ''. Which I did at XXXX XXXX. and consequently followed up the next four days. I have filed two claims ( on the XX/XX/XXXX and XX/XX/XXXX ), and both were denied. The reason for denial was that the investigation team did not find the missing amount. They reviewed the footage and confirmed my presence at the bank doing the transactions on XX/XX/XXXX around XXXX XXXX The only solution they have provided me with is to send them more proof, however, the only proof I was able to get from the scene was was the error receipt, the conversation I had with the teller when this happened, and my grandmother as my witness. Attached find the receipt of my first four deposits, and the error receipt I received from my last deposit.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I am writing on behalf of my mother ( written consent attached ). On XX/XX/2022, my parents got an email from Chase notifying them that there was less than {$50.00} in their checking and savings account. After logging onto their account, they noticed several unauthorized transfers from their checking and savings accounts totaling more than {$23000.00} that occurred on that same day. They called Chase immediately and told them that did not initiate any of those transfers, and requested the bank to put a stop to it. Chase was unable to do so, and stated that the person who made those withdrawals must have had my mother 's personal information because they listed my mother as their co-signer. At the bare minimum, Chase should have flagged those withdrawals and asked my mom for confirmation if it was truly her making those transactions, but Chase allowed those withdrawals to occur without any notification other than their account holding less than {$50.00}. They then informed my parents that they can not refund any money until they investigate and that they will mail out the fraud paperwork for my parents to fill out. In the interim, my parents notified the FTC about the fraudulent activity. XXXX week later, my parents ' still haven't received any paper work, but the claims department stated that they mailed it out on XX/XX/XXXX. My parents went to XXXX different local branches asking for assistance and XXXX rep was able to pull up the paper work and fill it out. My parents then filed a police report on that same day ( XX/XX/XXXX ). They then received a letter in the mail from Chase ( which wasn't the fraud paperwork ) stating that the transactions were indeed authorized by my mother since her personal information was used as cosigner, but they neglected to tell us how they came about this conclusion or how they investigated all of this to deem my mother responsible, How this individual obtained her personal information is beyond us, as my parents don't engage in any suspicious calls, emails or texts. Under the Electronics Fund Transfers Act, individuals are not held responsible for any unauthorized electronic transfer as long as they notify the bank within 60 days. My parents notified Chase on the same day the incident took place. Chase not only neglected to notify my parents of the fraudulent withdrawals, but they failed to act on it promptly, and refuse to take responsibility for their negligence. My parents have taken all the required actions on their end, notifying the bank promptly, notifying the FTC, filing a police report, and filling out the required fraud paper work that Chase never even managed to mail to them. It is clear that Chase Bank should be held accountable for the funds that were fraudulently stolen from my parents account.
Company Response:
State: NY
Zip: 11040
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: About 30 years ago I opened a " no fees for life '' checking account with XXXX XXXX XXXX XXXX XXXX. Several years after that, Chase Bank ( now Morgan Chase ) bought checking accounts from XXXX XXXX XXXX XXXX XXXX. Although Chase attempted to institute fees, they reversed their position after learning that they bought the accounts with the conditions attached. Now, they not only notified me that they were changing my account so that they can institute fees, but would not address my complaint. I am now XXXX years old, my balances are less than they had been, and regardless of my complaints, Chase is now charging me XXXX XXXX month. They have told me that unless I meet certain conditions, they will keep on charging me. After several attempts they refuse to address my contention that my " no fees for life '' account means " no fees for life ''.
Company Response:
State: NY
Zip: 10990
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Chase closed my credit card account on XXXX In the letter Chase sent to me, they claimed they closed my account because of 'suspicious activities. ' I contacted Chase by phone and in person to find out what suspicious activities were, but they said it is confidential and they can not tell me the details. I also said additional information can be provided if they suspected any activities on my card, but they refused. I used that card to shop on XXXX and all transactions can be tracked, so I'm not sure what kind of suspicious activities could be.
Company Response:
State: NV
Zip: 89523
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I bought a XXXX XXXX from XXXX for {$1100.00} I didn't need the product so I returned it, XXXX weeks passed and I got no refund so I opened a claim with my bank to get my money back, my bank being incompetent and unable to read a tracking ID sided with XXXX. Its now been XXXX days at the time of me writing this without my refund and I would just like my money back. In my bank account this transaction shows up as XXXX for {$1400.00}
Company Response:
State: PA
Zip: 182XX
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: In XX/XX/2022, we purchased XXXX XXXX flights for my wife and I to compete in an XXXX XXXX on XX/XX/2022 with our XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXXXXXX. On the return flight home, we encountered a delay due to mechanical issues with the plane that were evident as we witnessed a mechanic opening and working on the engine, the pilots discussing with the mechanic the status of the flight, and witnessed the baggage attendants removing luggage off the plane after several hours. After leaving the terminal and retrieving our returned bags, the baggage attendants on the tarmac told us the pilots were calling this an overnight and the plane ( XXXX ) would not be leaving the airport. We received over 11 emails indicating the delay exceeding 6 hours ( the flight was scheduled to take off at XXXX XXXX and our last flight delay email was sent for XXXX XXXX. XXXX would not verify a cancelled flight at the terminal with the desk agent, on a chat nearing XXXX XXXX, and even the next day would not announce a cancellation. Customers sat unknowing how to manage this and were told to make other plans by the XXXX desk agent without suggestion of compensation or help in rescheduling plans. After our conversation with the baggage attendant, we were forced to make other plans, which included taking a taxi to XXXX, WI ( XXXX ), booking an expensive last minute flight with XXXX, staying in a hotel overnight, delaying our ability to get home and work the next day, and providing no resolution for customers. Due to my XXXX and being stuck in the airport for so many hours after my XXXX XXXX, my feet became so swollen from sitting and waiting to travel that I had difficulty walking for the next several days. We filed a claim with XXXX and were only given refunds of our original flight, a {$75.00} apology voucher ( given a few days after our flight ), and a {$100.00} refund for the luggage ; however, we were not refunded for our lodging, transport, or inconvenience. As I had booked this with a XXXX XXXX XXXX XXXX XXXX XXXX we decided to file a claim with eClaims online and proceeded to spend hours submitting claim ( # XXXX ) for a flight cancellation. Several months later, I received a denial of my claim, so I decided to call eClaims and was quite frustrated with the denial. I was told by a customer representative that I should have filed a claim for a delay of flight and not for a cancellation so she elevated the claim to her management team and resubmitted the claim. Several weeks later, I received a denial letter indicating my flight was not delayed more than 6 hours so they could not approve such submission. I sent them an email indicating flight XXXX never got off the ground and the flight was delayed for over 6 hours and I would report them to the CFPB for submitting false realities to their policies they explicitly state in their Terms of Service. They responded with another denial indicating my claim was not allowable as my flight was not delayed more than 12 hours. XXXX did not leave XXXX 's airport within 12 hours of the original delay, nor should customers wait 12 hours in a terminal without proper information that such a delayed flight would eventually take off as we knew it would not. I am asking for help from the CFPB for violation of customer rights explicitly described in their terms of service. XXXX XXXX XXXX Tel : XXXX XXXX XXXX Fax : XXXX XXXX XXXX XXXX XXXX, VA XXXX
Company Response:
State: CO
Zip: 80238
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I was payed for a service via personal check. However, I believed I was scammed and my account was closed but I was not informed why exactly it was closed. Another account was opened for me but I was unable to access it. Due to me being locked out of my account, the Chase team members were not able to give me much details on what exactly went wrong and why my account was closed. I don't understand why I was able to open another account but not be able to use it. I have been a member with Chase since XXXX and have never had any issues prior to this. I am a college student that opened the account for my college checking and savings. I'm in the dark about all that is going on and just want to find a resolution. I have no prior history of any company account closures or anything like that.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A