Date Received: 2022-11-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I purchased SEO/digital marketing services on XX/XX/2022 from XXXX ( XXXX XXXX XXXX/ ), following a conversation with the company 's sales representative, XXXX XXXX. I explained to him that I had hired another SEO/digital marketing service in the past, which did not deliver on what it promised, and he assured me that XXXX would be able to successfully rank my website within 90 days. I submitted {$900.00} USD payment via my Chase Bank debit card on XX/XX/2022. Subsequent to the initial XXXX period, the company sent me another invoice to pay another {$900.00} USD for an additional 90 days of SEO/digital marketing services. They then assured me ( see attached ) that SEO sometimes requires a longer period of time but that my website should be ranked within 180 days. Despite numerous messages to the company ( see attached ), expressing my dissatisfaction at the lack of traffic my website had received ( see attached ), the company then sent me a third invoice, requesting another {$900.00} USD and then changing the anticipated timeframe for ranking my website ( see attached ). I subsequently contacted Chase Bank, N.A. to file a formal dispute, explaining that the service paid for was not as described by the merchant. Chase Bank initially advised that it would be able to potentially recover {$900.00} of the {$1800.00} total I paid. I agreed to this at the time I filed the complaint but received notification XX/XX/2022 that neither charge would be refunded due to " being outside of the XXXX window '' established by Visa. I explained to Chase Bank XX/XX/2022 that I did not dispute the charges sooner due to having been lied to by the merchant and, specifically, having been given changing timeframes for when I should expect results from the merchant. I requested a contact person at VisaXXXX with whom I could speak, and the Chase Bank representative refused to provide me with information about with whom I would need to speak to resolve the matter. I initially offered to provide Chase Bank with copies of the attached email communications with the merchant, proving my allegations, but Chase Bank declined these at the time and stated they would request them during their investigation. However, the investigation, I was informed XX/XX/2022, was " completed '' by Chase Bank, and nobody at the organization requested any of the attached documentation.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I closed my chase checking account due to fraud activity the woman say she close it she opened a replacement account which I didn't want and I told her I didn't want any account with this bank. My payroll came in XXXX account I close which it should have been sent back to the sender I opened a whole another account another that money was going there but before I could give employer the info they let the money go through and charge me a overdraft fee of XXXX out my check with I didn't do and the bank got the money out my account with out permission when they wasn't authorized to do that.
Company Response:
State: LA
Zip: 711XX
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Hello. I opened XXXX accounts with J.P. Morgan Chase back on XX/XX/2022, there was advertising, that the bonus for opening and fulfilling the requirements would be prompted. For opening Saving account, putting XXXX $ on that account in the next 20 days, and keeping the balance for 90 days - XXXX $ in the next 15 business days, I posted the amount they wanted on XX/XX/2022, and kept it until XX/XX/2022, with no bonus until XX/XX/2022, For opening checking, it's been advertised I'd get XXXX $ for Direct Deposit that going to come to my account, and XXXX $ for both. called and wrote to customer service, with no luck in getting anything, they stated, the bonus promo code had not been applied, but I used the link, they gave to me.
Company Response:
State: VA
Zip: 221XX
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: We had an odd occurrence where our account was negative due to a few factors and things with my wife having to take some unpaid time off from work and some recent changes in our life, and when I contacted Chase to inquire about reversing the almost {$600.00} in overdraft fees, they stated they were able to only reverse ( 3 ) individual fees and not the almost {$600.00}. I explained that I have placed a lot of money through their bank as well as have ( 3 ) credit cards with them and that this is absurd. They stated they could place a request in, but it was subject to approval. Every morning I wake I am seeing more and more fees add up into my account and I don't get my Veterans Administration monthly XXXX Payment until the XXXX. I am a 100 % XXXX XXXXXXXX veteran, and my wife works from home. We are on a fixed income and are working on figuring some things out while trying to organize our finances and Chase is capitalizing by charging us exorbitant fees. This is extremely unfair treatment ofcustomers.
Company Response:
State: FL
Zip: 34772
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: We have three checks from three different company accounts that were sent via Chase 's bill pay service to our accountant to pay for accounting fees. The checks were stolen from the XXXX mail and deposited into a third party 's bank account. We have subsequently paid the vendor/accountant with additional funds. The bank accounts where the checks were deposited/cashed did not match the payee on any of the check and the endorsements did not match either. Chase took money from our accounts when they mailed the checks. Chase sent the checks via XXXX mail, and Chase let the checks clear from each of the third party banks without verifying that the payee and endorsement matched. The there payments were made in XXXX of 2022. We discovered the fraud and reported it to Chase in XXXX of 2022. Chase has been 'investigating ' since that time. They have put, taken away and put back temporary credits for the amounts, but they are telling us that if the third party bank that cash/accepted the deposit of the checks doesn't respond they will take the funds back out of each of our accounts. We feel Chase should permanently restore funds to our accounts and whether or not they settle up with the third party bank is not relevant to us. Chase errored by accepting the mis-endorsed checks and is holding their customer to account for its mistakes.
Company Response:
State: IL
Zip: 60622
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XX/XX/2022 Amount : {$200.00} Action taken by me : Filing a dispute. XX/XX/2022 Amount : {$240.00} Action taken by me : Filing a dispute. I had two different fraudulent charges on my account that I filed with Chase Bank who ran a investigation and they falsely determined that the charges were indeed made by me supposedly and took the money back out of my account. They are going off merchant proof that I received the item when in fact the only proof that the merchant XXXX provided is a selfie of me holding my license which I did some research on that sites verification process and one rule they require to verify you is to hold a piece of paper in the selfie as well saying XXXX and the date on it as well which I know for a fact I never did and the proof they provided does not show me doing that yet Chase Bank still decided the merchant was in the right so I basically got my money stolen because they did not provide anything else to show I received anything at all no tracking numbers since its an online only business or anything of the sort. I did not make these transactions nor did I ever receive any sort of product from this merchant yet they have still taken my money and refuse to give it back since a picture is enough proof. According to XXXX terms and services you need to have a piece of paper showing the word XXXX and the date of said transaction which the proof they provided does not show that yet thats all the proof they had to provide to steal my money.
Company Response:
State: LA
Zip: 70065
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: CHASE BANK has facilitated the financing of my vehicle, with the account number XXXX and VIN # XXXX I have rescinded the transaction via 15 U.S.C. 1635, to no response from the company. They, along with the help of the consumer reporting agencies are knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non repayment thereof. This is a violation of 18 USC 1028A, 18 USC 894, The Gramm-Leach-Bliley Act, RICO. I have demanded they cease communication with me with regards to this debt, per 15 USC 1692c ( c ), and they continue to make harassing phone calls and threatening statements. I have demanded they validate the alleged debt, pursuant to 15 U.S. Code 1692 ( g ), and UCC 9-210, to which they have failed to do so. I am reaching out to your office to hold this company accountable and to uphold my federally protected consumer rights. Thank you for your time and attention to this matter. Respectfully, XXXX : XXXX, XXXX on behalf of XXXX XXXX XXXX, XXXX XXXX
Company Response:
State: AZ
Zip: 863XX
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have had extensive Fraud and incorrect Credit Card Reporting incorrect information. I requested a Freeze on my Credit Reporting but have not received a confirmation.
Company Response:
State: AZ
Zip: 85258
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: I have a problem with Chase Bank. I have a XXXX checking account that is setup for paperless statements. At some point, a new minimum balance service charge was instituted. It started deducting {$15.00} from my account every month. This was started while I wasn't using the account. At no point did I get an email explicitly stating that a change was made and my account would now incur this service charge. When I looked at my balance in XXXX XXXX, I finally noticed that {$15.00} was being deducted every month since XX/XX/XXXX. I called Chase and they credited back 3 months worth. I walked into the local branch and after spending XXXX minutes with the staff, I finally met with the Branch manager who gave me a " concession '' for {$30.00} which would count as income on my account. They were not willing to fully reimburse all my monthly fees. The real complaint I have is that the manager told me a paper notice must have been sent about this change and agreed that there wasn't an electronic communication. If I am on paperless statements, I should have received an email from Chase explaining this change. The monthly emails are very generic stating that I have a statement issued. Then you have to log in and go into the account to see the transactions. If you know you have not been touching your account, it gives you less reason to go through those steps. Also, I learned from the manager that the alerts that I have setup for the account would not have triggered by the monthly service charge transaction.
Company Response:
State: NJ
Zip: 07090
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On the XXXX of XX/XX/2020, I tried making a transfer from my chase checking account and I was not able to and was told to visit a chase bank branch to complete my transfer. I went to a branch the XXXX of XX/XX/2020 and met with a bank manager, He further went to tell me to notify my family members who sent money to my chase account to walk into a chase branch with XXXX forms of ID and verify the transactions and have the bank branch give him a phone call... I was able to get my family member to do this but when they got it done they were informed that my chase account is no longer active .... My account had been closed on the XXXX of XXXX, I reached out to the bank again and asked why my account was closed and they didn't give me a solid reason, they only just told me they will mail me a check of the funds I have in my account within 90 days ... I had a total of {$10000.00} in my account and was furious because the funds were mean to take care of my medical bills and my child 's college bill, I waited and waited and waited and up till this very day I never got my check or my funds in my account..
Company Response:
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A