Date Received: 2022-12-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My dispute is with Chase bank regarding a business card account in the name of a small business I owned for 31 years named XXXX XXXX and XXXX XXXX based in XXXX XXXX, XXXX The current card number ends in XXXX. I do not have the old or current full number of the card as I do not recall ever seeing this card. Chase alleges that I applied for this card in XXXXXXXX XXXX XXXXXXXX and gave my sister authorized use. I retired in XXXXXXXX XXXX XXXXXXXX and sold the business XXXX. I do not recall applying for this card but I may have as that was XXXX years ago. My sister may have applied for this card or she may have added herself as an authorized user. When I sold the business I asked if all the credit card accounts were paid in full and closed. She said yes. During most of the years that my business operated my sister worked as my business manager. I counseled my customers and she did the administrative work. In her capacity as manager, she had access to all of my personal information. After my retirement, I began to spend most of my time in a XXXX. My sister began handling all of my U.S. responsibilities including receiving and paying my credit card bills. I used a house we shared as my legal U.S. address. My sister XXXX suddenly in XXXXXXXX XXXX XXXX and I was executor of her estate. In this role, I discovered that she had been personally using the disputed card. At her death, the balance of the card was about {$17000.00}. The card was not overdue as she had been making regular payments. I called Chase and they asked me to file an identity theft report which led to investigation. During the past 15 months have made many calls to Chase with no resolution and was sent numerous letters saying there investigation determined that I was responsible for the paying the account. I have asked to see the application and they have not sent it. I recently was told why they think I am responsible for the account. In XXXX I called Chase to cancel my deceased husband 's credit cards as I was executor of his estate. In his office, I found a stack of cards from numerous banks and in my grieving state canceled at least 10-15 cards with Chase and numerous other banks. One appears to have been with the account in dispute. My husband was a partner in my business. They allege that I must have known about the existence of this card because I canceled it. The fact that I canceled one of many cards in my husband 's name and knew about one of them being used fraudulently is absurd in my opinion and I have no intention to pay for charges I did not make over an extended period of time. The balance as of XXXX XXXX is {$22000.00} with a minimum payment of {$2500.00}. I would like Chase to write off these charges made by my sister during her lifetime. They must have records showing she made these purchases and personally made payments up to her death and that no payments or charges have been made since her death. She apparently paid them thousands of dollars in interest payments over the years and it appears she was struggling to be responsible as her account and others were current at the time of her death. I am a XXXX XXXX XXXX widow, ( XXXX next month ) going through serious XXXX treatment who has found this situation extremely troubling as I am shocked by my sister 's behavior and at the same time heartbroken by her death. Chase has also recently cancelled two of my personal cards in good standing with them and did not notify me until several days later because of my nonpayment of this debt. One closed account made my supplemental health insurance payment past due which could have been a disaster for me personally if my XXXX cancelled my policy while going through costly XXXX treatment. It is my opinion that Chase has been both incompetent and unreasonable in their dealings with me. I have called and tried to resolve this matter at 8 least times and generally spoke to people who were incompetent or in several instances could not even find my case. Recently I was told to start my case over again. That's when I decided to write you.
Company Response:
State: CA
Zip: 92120
Submitted Via: Web
Date Sent: 2022-12-11
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: 15 USC 1681 Section 602 States : I have the right to privacy. 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. 15 USC 1681 Section 604a Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Company Response:
State: MI
Zip: 48227
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2021, I was defrauded for two {$95.00} payments ( total of {$190.00} ) on XXXX and Chase bank never helped me get that back from XXXX XXXX ( phone number XXXX ). Neither Chase or XXXX has taken the responsibility for this fraudulent withdrawal and helped retrieve this month even though this was a scam. They should really take a few steps to help their customers.
Company Response:
State: CO
Zip: 80227
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
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: XX/XX/XXXX, I sent XXXX package via XXXX XXXX {$130.00} Please send me copy of receipt the adressee signed for package
Company Response:
State: NY
Zip: 10583
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
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 a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end customer credit plan as late for purpose.
Company Response:
State: UT
Zip: 84128
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: A check cashed at Chase Bank was reversed after the check cleared. On XX/XX/2022, I cashed a check from XXXX XXXX in the amount of {$3200.00}. The funds were on hold for two business days then made available on Monday, XX/XX/2022. On Wednesday, XX/XX/2022, I noticed funds were overdrawn on my account. After calling Chase Bank, they mentioned a stop check was done on Tuesday, XX/XX/XXXX by XXXX XXXX and the funds deposited into my account were reversed. I asked how the funds were reversed after it cleared and the Chase representative said she did not know. I then spoke to a lead representative with Chase and he said the same thing, he didn't know. From my understanding, once a check clears, you can not reverse payment. Chase acted unlawfully by reversing payment after the check cleared on Monday, XX/XX/2022. I would like the {$3200.00} deposited back into my business account as soon as possible.The NSF fee of {$34.00} should also be credited back into my account.
Company Response:
State: GA
Zip: 30350
Submitted Via: Web
Date Sent: 2022-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Chase is devoting the entire amount of the minimum payment to my lower APR balance while letting the interest on the higher APR balance accrue thus increasing that balance each month. The minimum payment is calculated by adding all interest charges plus 1 % of the total balance but none of the higher APR interest charge portion of the minimum payment goes to paying that interest charge.
Company Response:
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I opened a Chase XXXX XXXX XXXX card around XX/XX/2022. This card offered XXXX XXXX XXXX points after spending {$3000.00} within the first 3 months. I completed this spending requirement within my first statement which cut in XX/XX/2022. My statement even shows my correct XXXX account and the XXXX points that were supposedly transferred to XXXX. The issue is that I still have not had any of these points ( not just from the sign up bonus, but points from later statements cuts also ) deposit into my XXXX account. I was told to wait XXXX weeks and did that. I have also submitted XXXX cases now regarding my points as I am unable to view the rewards dashboard whenever I log into my online banking ( no matter what platform I use ). No action has been taken besides being charged the annual fee for the card when I first opened it.
Company Response:
State: KS
Zip: 66441
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: Scammed to send money through XXXX app for {$200.00} with fraudulent images of transactions for XXXX XXXX sale. I received no benefit from the transaction and no product was exchanged. Have filed an FBI report, XXXX report and contacted my financial institution.
Company Response:
State: IL
Zip: 60142
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Chase Card Services XXXX No Chase Credit Card has been authorized in my name by me. No monetary amount is due Chase by me. Certified mail delivered XX/XX/XXXX @ XXXX XXXX to cease telephone calls. Phone calls as follows : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX
Company Response:
State: KY
Zip: 40601
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A