Date Received: 2022-11-30
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I referred XXXX XXXX on XX/XX/2022, for the Chase XXXX XXXX XXXX cash card. Her phone number is XXXX. Her zip code is XXXX She was approved on XX/XX/2022. I sent her a link and I have provided a screenshot showing a text message communication between me and her showing that she got the link. For reference, this is the link that I sent XXXX XXXX XXXX XXXX I have NOT received my referral bonus still. I however referred someone else ( XXXX XXXX ) using a different chase XXXX XXXX cash card that I own ( account ending in XXXX ), and I already received that referral bonus. I already made a CFPB case with Chase that was closed inadvertently as they said they could not see that I referred her. I'm reopening this case and attaching additional proof of the referral.
Company Response:
State: CA
Zip: 90621
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Problem with customer service
Subissue:
Consumer Complaint: I am banking with Chase Bank and have a very large check for around the amount of XXXX XXXXXXXX that was cashed on XX/XX/22, but I am unable to obtain it. All parties involved are very frustrated and I have spoken to XXXX different people and an advisor. They even closed my account yesterday XX/XX/22. Have been on the phone all day XX/XX/22. They need the person who is on the check to be verified, but the system that they use is by checking a phone number that is tied to the person who wrote the check. The person who wrote the check has a number on the check that is over XXXX old, but their system says it isnt tied to the individual. Called them and gave XXXX more numbers that the person who wrote the check is tied to for over XXXX yrs and Chase still says they dont see it tied to the person who wrote the check. I ask to have them send the money back to the person who wrote the check or give me back the check. They say that they are unable to do so. So Chase apparently can not give either party back their money. This is absolutely outrageous.
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/XXXX I reported unauthorized charges on my bank account ending in XXXX. I reported XXXX charges that were not authorized. On XX/XX/XXXX XXXX separate charges were made in the amounts of {$56.00}, {$110.00}, and {$24.00}. During this time my husband was rushed to the emergency room via ambulance. We lost possession of our devices and his wallet for hours until after his emergency XXXX. As of today, we have received XXXX separate notices indicated that no action will be taken on the disputed unauthorized charges. This was not verbally discussed with us and is a violation of our rights under the Fair Credit Billing Act ( FCBA ) - a 1974 federal law enacted to protect consumers from unfair credit billing practices. Proper research will prove that those purchases were not authorized. We are requesting full details such as a detailed receipt of how the payments were made, identifying merchant information and services provided. The transactions disputed, claim numbers are XXXX and XXXX.
Company Response:
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I hired a title company call XXXX XXXX last year. The owner name is XXXX XXXX. The buyers title company was XXXX XXXX XXXXXXXX XXXX. they wired the money to the mortgage company which is Chase Bank. However, the routing number was right but the account number was wrong. The wired transfer was intercepted and the bank never received their money. This has affected my credit report and the back is trying to foreclosed on a house that does not belong to me anymore. My lawyer and I made several attempt to rectify the matter but they have not done anything. I am looking to see if anyone can help me with this matter
Company Response:
State: FL
Zip: 33028
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
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 : Ordered an item from Amazon using Chase Amazon XXXX credit card, order # XXXX. Amount charged to card {$110.00}. XX/XX/XXXX : Amazon reported " delivered to a safe place ''. We could not find it ; none of our neighbors could find it. A day or XXXX later a refund was requested from Chase. The credit card was credited {$110.00} XX/XX/XXXX or XX/XX/XXXX : A neighbor brought the unopened package to our doorstep. XX/XX/XXXX or XX/XX/XXXX : I emailed Amazon and advised them that I had the package. I authorized them to charge my credit card {$110.00}. XX/XX/XXXX : For various reasons I decided to have the item returned. Amazon accepted my request. XX/XX/XXXX : I took the unopened package to XXXX XXXX Department XXXX. Please see attached confirmation from XXXX XXXX Department XXXX. I am attaching credit card transaction records, return approval etc... ( a total of XXXX pages which seem self explanatory ). Bottom Line as I see things : There were XXXX charges for {$110.00} and XXXX credit for {$110.00}. Amazon acknowledged return of the package. Chase has received all of the above information as has Amazon. I am owed {$110.00}.
Company Response:
State: CO
Zip: 80909
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Error on closing. VA cost benefit credit of {$2000.00} not given to veteran directly, Due to Agengy limits of cash back overpayment was applied to mortgage. Veteran was not given the option to receive the overpayment. Attorney /Title company representative did not reveal dual agency and made the decision to apply the {$2000.00} to my account on XX/XX/2022. I received the revised Closing Diclosure on XX/XX/2022. I closed on XX/XX/2022.
Company Response:
State: IL
Zip: 611XX
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: A scammer accessed my account and stole XXXX. The transfer tool was on my account
Company Response:
State: AZ
Zip: 85641
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
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 have received a reply from CHASE credit card services from the Credit Service Specialist, XXXX regarding my " cfpb '' complaint ID XXXX. As of today, XX/XX/2022 my dispute of {$430.00} is not resolved. Here is the full description of my dispute that I have written back to CHASE. The problem is on CHASE, they did not correctly credited the disputed amount of {$430.00} into my credit balance. XXXX Cardmember Service Specialist XXXX XXXX XXXX XXXX, DE XXXX Dear Customer Service Specialist XXXX, This is to inform you that I have received your reply dated XX/XX/2022 regarding my dispute. As you said in your reply I should be able to see the credit of {$430.00} online in my account. As of today, on XX/XX/2022 I Did not see any refund of {$430.00} in my account. I have just downloaded the XX/XX/2022 Statement it does not show any correction of - {$430.00} in my CHASE Credit Card Balance. Here I have to summarize one more time to point out that the error is made by CHASE. Attached you will find copies of XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022 with my hand written notes. XXXX ) The XX/XX/2022 Statement : This statement shows the total purchase from XXXX XXXX XXXX XXXX as verified in your XX/XX/2022 letter. In addition, this statement also shows the amount of - {$430.00} was returned to XXXX XXXX XXXX XXXX. However, {$430.00} refund shown by XXXX XXXX XXXX XXXX was not credited, was not deducted in my XX/XX/2022 statements total balance. The total balance that I owe to CHASE still bills me the full {$920.00} total purchase that I made from XXXX XXXX XXXX XXXX. The balance of XX/XX/2022 statement should have been {$560.00} after crediting the {$430.00}. I have paid {$560.00} for my true /valid purchases that applies towards purchases made from XXXX XXXX XXXX XXXX before the XX/XX/2022 statements due date and leaving {$430.00} unpaid with an expectation that CHASE to correct the error and apply the amount of - {$430.00} on my credit balance. 2 ) The XX/XX/2022 Statement : This Statement shows the payment of XXXX that I have made but never and never shows the amount of - {$430.00} which should have been credited towards my CHASE credit card balance. 3 ) The XX/XX/2022 Statement : This statement still shows my unpaid {$430.00} which should have been credited by CHASE for the items returned back to XXXX XXXX XXXX XXXX. As of this statement CHASE still did not credited the - {$430.00} to my balance. Instead it shows a credit of - {$50.00} leaving {$380.00} balance in account As a summary I do not owe any further balance to CHASE, instead CHASE owes me {$430.00}. Thanks for your attention in this matter. XXXX XXXX CC : Consumer Finance Protection Bureau
Company Response:
State: CA
Zip: 95037
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX I opened a credit card with chase bank XXXX The next day I enrolled into paperless billing. the confirmation I got specifically says " we will send you an email to let you know when you have items to view online ''. Since day one, I have not received any of those statements that were promised in email. On XXXX I received approx XXXX emails ( all the same ) telling me I have a bill due XXXX. The email says nothing about being late, past due or anything of that nature. I logged in today to pay that bill and it tells me that I am 40 days past due with no warning. I have tried time and time again today to try to understand how I can have no warning that I have a late payment before it is reported to the credit agencies. They tell me " They did their job by attempting to send out the email. If i didn't get it, they can't help me. '' I want the erro removed from my report. I did not receive any statements to pay. I have another credit card with them that gets paid every month with no issues. I never received any type of phone call, email or anything to ask why the bill wasn't paid or to notify me that it was going to be placed on my credit. There was no phone calls, no emails and no statements received. I have checked the entire server including spam. How can a business mark my credit with no notification that there is any balance past due and no attempt to collect if there is a balance past due? There wasn't even a statement sent in my email or my spam with a due date. We have another account with another card company who had called once in the past to notify that we had a balance, and it was handled over the phone before it came past due. Is there not a rule or policy outlining rules of credit reporting and when It can be done and making sure the company reporting did their due diligence to collect before reporting?
Company Response:
State: AZ
Zip: 85086
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2022, I was scammed to send {$500.00} for a " work from home '' job offer. JPMorgan Chase refused to reverse the fraudulent transfer with XXXX. Regulation E is supposed to also protect those type of transactions, but JPMorgan Chase is refusing to dispute the transaction.
Company Response:
State: IL
Zip: 60089
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A