Date Received: 2022-12-13
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 charge was for a LOT of money from XXXX XXXX XXXX XXXX which turns out to be a fraudulent company. Initially the " company '' promised the ability to cancel for a full refund ; however, the company is actually a scam. No service requests were ever completed, all the phone numbers, email addresses, and website were disconnected after taking payment, and multiple complaints and cease and desist orders have been filed across the country about this fake company. Chase refuses to adequately investigate the fake company and claims the company sent back documentation to show the charges are valid ; however, the documentation itself is fake and does not prove anything whatsoever. No services were actually received by any consumers because there are no services to receive. Consumers should not have to pay for fraudulent services advertised by fraudulent companies and credit card companies need to do a better job of investigating such credit card scams. Additional documentation and request to reopen the dispute were sent via US Mail and have been ignored.
Company Response:
State: NC
Zip: 28806
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Chase closed my checking account and refused to refund the funds in it to me. They asked me to validate a few checks, but the way it was done was logically impossible. chase required the person who wrote the checks to bring their id with me to a chase branch to validate them. But these checks were from the sale of my XXXX XXXX We only have a transactional relationship, they are not my friends or family, so why would they agree to go to the branch with me? And I can confirm that none of these checks were disputed by the person who wrote them, so what is wrong with these checks?
Company Response:
State: NY
Zip: 11220
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Chase let XXXX washed checks get cashed. All of the checks were clearly shown as chemically altered and now they are telling me it will take XXXX to a year to receive my money back. the total for the checks was XXXX}. No one at chase will help with any resolution. Not in the branch, online or phone. All they can say is I don't know what to tell you. Well, I did not let the checks get cashed and I do not see how this is my responsibility. If I owed chase a penny they would find a way to take it from me. This is classic big business doing the little guy wrong.
Company Response:
State: FL
Zip: 33470
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I hereby would like to state the following facts related to the fraudulent withdrawal of the sum of {$4500.00} XXXX XXXX XXXX XXXX XXXX, from the account XXXX of my property, and held solely under my name, held at Chase Bank located at XXXX XXXX XXXX in XXXX XXXX XXXX of XXXX. XXXX XX/XX/2022 at XXXX XXXX a withdrawal for the amount of {$4500.00} was made at the abovementioned branch of Chase, supposedly as the Chase bank claims using my debit card and my pin number to make said withdrawal. The transaction was executed by the teller number XXXX as designated that day by the Chase bank. XX/XX/2022 at XXXX ; XXXX XXXX I myself XXXX was working at my XXXX at XXXX XXXX XXXX XXXX Texas XXXX with my Chase debit card in my wallet, and I have video footage with the time mark to prove this. On XX/XX/XXXX sunday while checking my bank account transaction for the week, I realized that the sum of {$4500.00} had been taken from my account on XX/XX/2022, immediately i called customer service and was informed that i had to go to the branch the next day monday XXXX XXXX. On XX/XX/XXXX I went to chase bank to make my weekly deposits and also to inquire about this withdrawal of {$4500.00} and was informed by the branch manager XXXX XXXX XXXX that such withdrawal was made at the branch, with my debit card and pin number, and i explained to her and a teller, i believe the name is XXXX, that i had not withdrawn that amount and i rerquested respectfully that a fraud investigation be opened and my debit card would be suspended due to the fraudulent transaction. Therefore I was assured that the bank would open a claim and cancel my card. none of this last actions took place, On XX/XX/2022 I returned to the bank to ask about the status of my claim, and was made aware by bank manager that the claim was not made and the card was not suspended. Therefore XXXX bank manager proceeded to file the fraud claim in my presence. On XX/XX/2022 I was informed by the bank fraud department that the claim was deemed as not valid because my debit card was used to withdraw the money and also the amount was consistent with my spending patterns. Conclusion chase bank dismissed the fraud claim, saying that my debit card and pin were used at the branch but refused to review the video footage. At the exact time of the withdrawal I was at my XXXX with my debit card in my pocket, and I have video footage to prove it. Thank you very much for your help on this matter XXXX
Company Response:
State: TX
Zip: 75219
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited XXXX checks in the amount of {$28000.00} in an ATM at Chase XXXX XXXX XXXX ATM on XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/2022 at XXXX. The ATM malfunctioned. The ATM Rebooted in the middle of the deposit process. It showed that its performing a Software Update. Once the Update was completed it returned with a RED Message saying the ATM was not in service. The ATM did not Deposit my funds nor did it RETURN MY XXXX CHECKS I had inserted. I immediately went inside the bank and asked for help. I wasnt helped with any urgency or concern. The teller names XXXX ( she didnt have a name badge nor would she tell me her name ). XXXX told me I needed to call the claims department and they she cant do anything because they dont deal with that. I was very upset and concerned about my {$28000.00} in checks in limbo in their ATM outside. XXXX couldnt have cared less, she didnt try to help me or find him. She ignored me and took another customer behind me and ignored any requests for help. I spoke to the next bank teller ( XXXX ) he calmly helped me get to a supervisor to help me figure out what we need to do. The contacted banker named XXXX. XXXX had an attitude as if I was bothering him for requesting help with the problem of their Malfunctioned ATM taking {$28000.00} of my MONEY! XXXX did file the claim with Chase Claims department. They told me I might get a temp deposit but it could take up to XXXX days to resolve. Now I am out of {$28000.00} that I direly need to PAY MY BILLS! Chase couldnt have cared less, no urgency or care. I was upset and needed emergency help with my checks in their ATM. I was concerned the machine would come back into service and spit my check out on the ground or into the hands of someone else. I want to file a FORMAL COMPLAINT on CHASE BANK and XXXX for how the handled this issue. Chase Bank needs a better process to retrieve customers checks and money from malfunctioned ATMS vs telling them too bad you will now wait XXXX days for a investigation to be completed.
Company Response:
State: TX
Zip: 75089
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I have been asking for a copy of the deed and luie paperwork I signed in XXXX Chase is constantly giving me the run around and just sending me a copy of my mortgage note as well they have marked up my credit. I am asking for the notary information who was there when I signed it as well a copy of the paperwork I signed off on. They refuse to send it.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XX/XX/2022, I applied for a Chase Freedom Credit Card with 0 % Into APR for 15 months on all purchases and balance transfers. I enclosed a letter saying if I can't get a {$4500.00} credit line to transfer the full amount from XXXX over, then I don't want to open a credit card with Chase. On XX/XX/2022 I received a Fraud Alert from XXXX Flex Account. I replied I didn't have a card and yes it was fraud if the card was used. Then i got a letter from Chase on XX/XX/2022 saying they will transfer {$1900.00} from XXXX and I could cancel it by XX/XX/2022. It was past this date when I received it. I called them telling them what was going on and I didn't have a card yet and didn't want a account with them. I was hung up on. Now i got a bill for {$2000.00}. It has a fee charge of {$59.00} added on. This if Fraud on Chase XXXX XXXX.
Company Response:
State: TX
Zip: 764XX
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I called to inquire about *the possibility of* a product change ( downgrade ) in XX/XX/XXXX. During that call, I decided against downgrading, told the representative that I was not going to downgrade, and hung up. However, when I checked my account a few days later, I had been downgraded, so I called customer service to re-establish my prior product. They told me that nothing would change as a result of this. However, I have not received my {$300.00} travel credit that is part of my product ( Chase Sapphire Reserve ). I usually receive that in XXXX of each year. I received it in XX/XX/XXXX, but have not received it in XX/XX/XXXX. Chase has charged me the {$550.00} for the yearly fee, but has not provided me with the {$300.00} travel credit that is sold with the product. I have had to call and talk to a representative XXXX separate times over the months since I found this error, and every time they " escalate '' the problem to the correct team. Every response I then receive does not answer my underlying issue, nor applies to my account the {$300.00} travel credit.
Company Response:
State: VA
Zip: 240XX
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In reference to XXXX Contacting XXXX was not correct to submit complaint to ... see their response beloe " Customer Support XXXX XXXXXXXX XXXX ( 38 minutes ago ) to me Good Morning XXXX, To protect investors and ensure the markets integrity, XXXXthe XXXX XXXXXXXX XXXX XXXXis a government-authorized not-for-profit organization that oversees U.S. broker-dealers. We work every day to ensure that everyone can participate in the market with confidence. XXXX is authorized by Congress to protect Americas investors by making sure the broker-dealer industry operates fairly and honestly. We oversee more than XXXX brokers across the countryand analyze billions of daily market events. XXXX regulates broker dealer firms and representatives within the U.S. securities industry. A broker dealer is in the business of buying and selling securities stocks, bonds, mutual funds, and certain other investment products on behalf of its customer ( as broker ), for its own bank ( dealer ), or both. If your issue is not conducting this type of activity, then XXXX would not be the appropriate regulator. Thanks, XXXX Customer Support ''
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A