Date Received: 2022-11-22
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: XXXX XXXX XXXX XXXX XXXXXXXX has decided to start closing and is refusing refunds to all paying customers. I disputed XXXX charges with my bank but they over 180 days old. They do not care that services were not rendered and WILL not provided. I also disputed with my Chase card 's travel insurance. They state refunds are not possible as this is not a covered insurance claim. I am currently out {$2100.00} dollars and my credit card company will not assist with getting my money back even though XXXX XXXX XXXX has committed fraud. Charges include : XX/XX/2021 XXXX {$1100.00} XX/XX/2021 XXXX {$990.00}
Company Response:
State: MO
Zip: 63304
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Problem with a company's investigation into an existing issue
Subissue: Problem with personal statement of dispute
Consumer Complaint: I was applying for a Southwest Airlines credit card through Chase and when applying all my information was inputted and I submitted the application I got notified that they needed proof of my date of birth and proof of current address I submitted my temporary driver license due to me renewing my license and in the state of Oklahoma they hand you a paper copy of your license and mail the actual drivers license in the mail to address. I applied for this credit card on Thursday XX/XX/XXXX. I was denied because they would not accept what is a legal document in the state of Oklahoma that showed proof of both my date of birth and current physical address. I called company numerous of times and explained to them that is a legal document that was submitted.
Company Response:
State: OK
Zip: 740XX
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Calls come from XXXX JP Morgan Chase on caller ID. When answered they tell me that my husband has an unpaid balance on his XXXX credit card. They are very pushy and refuse to believe me when I tell them that he doesnt have that card.I have threatened to report them to my states attorney general and hang up. I have also told me to send proof in the mail but it never comes. Then about a week later the calls start again almost daily.
Company Response:
State: CT
Zip: 06489
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I've had the credit card since XX/XX/XXXX. Recently, I started adding some friends and family members to the card in an attempt to help boost up their credit cards. Chase charges me {$75.00} for each person that I add on for a new card and there was no stated limit to the number or frequency of how many people or who could or couldn't be added. ( Never got a warning, phone call or anything about it. ) On XX/XX/XXXX I got a phone call from Chase, ( which I missed because I was at work ) saying they were reaching out for potential fraud. I called back on the XXXX when I realized my account was closed. I called the fraud department back and explained that It was actually me that added the authorized users. The woman I spoke with said ok, and told me she was going to reactivate my account and overnight new cards to me. When I got the new card, I called Chase as directed to activate the card. After speaking to XXXX different people in " the right department '' I was told that my account was permanently closed and would not be reopened. I asked why, and I was told because of the authorized users I added to my account. To me this is unacceptable. I have been a loyal customer with this card for over 5 years, never missed a payment or had any other issues. If there was a limit on the authorized users, I could add or certain criteria, that should have been posted or stated. Instead, I received no warning, correspondence or solution besides being treated as a criminal and closing my account.
Company Response:
State: MI
Zip: 48335
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I have documents of my security freeze placed XX/XX/2021, with extended fraud protection. but still see inquiries on my account, as a Victim of fraud, Chase, XXXX and other institutions, used and complied incorrect information about mw with out letting me make corrections to these accounts that did not seem recognizable. these companies did not investigate this mater as I have a written letter to the data furnishers that the information I had got verified with notary did not match their records, there fore they are resorting to report the wrong information. this led to Injury to my credit report and credit score. FCRA Section 604 ( A ) ( 3 ) was violated I can show all corresponding documentation for letters and how they have not changed the correct information for this I have been denied finical services in the pass and housing options. This creditor/Collection agency, failed to report a disputed debt to the credit bureaus. Protection under the FDCPA FDCPA Section 807 ( 8 ) I demand XXXX complies or i will be using all documentation as evidence to show in court I have documents of my security freeze placed XX/XX/2021, with extended fraud protection. but still see inquiries on my account, as a Vitim of fraud, chase did not investigate this mater as I have a written letter from the data furnishers that the information I had got verified notary did not match their records, there fore they are presorting to report the wrong information. this led to Injury to my credit report and credit score. FCRA Section 604 ( A ) ( 3 ) was violated I can show all corresponding documentation for letters and how they have not changed the correct information for this I have been denied finical services in the pass and housing options. This creditor/Collection agency, failed to report a disputed debt to the credit bureaus. Protection under the FDCPA FDCPA Section 807 ( 8 ) I
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Fraud or scam
Subissue:
Consumer Complaint: I had a listing up on XXXX XXXX for a fish tank and a lady messaged me on XX/XX/2022 at around XXXX saying she wanted to buy it. It was {$20.00} and she said that she wanted to use XXXX, which I agreed to since I used it before and had no problems with it. I got an email saying that it was put on hold because she sent it with a business account and I had a personal account so it asked her to send {$250.00} to meet the requirement. I haven't used XXXX much so I thought that it was true and went with it. She sent me the money and afterwards, XXXX emailed me again to refund the money to her. I did and sent her {$250.00}. I got a 3rd email saying that I had to pay a {$300.00} fee and that's when I got suspicious and confronted the lady. She blocked me so I have no way to get her to send me the money and Chase said that they can't because I authorized the payment ( which, I didn't. I tried to send another message saying no but it did nothing. )
Company Response:
State: TX
Zip: 75165
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with JPMCB AUTO for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.
Company Response:
State: NY
Zip: 104XX
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
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: This is in response to complaint XXXX. This has been picked up by the FBI a detective from XXXX XXXX XXXX. There are 20 people that the man that had me do this has taken advantage of. They are working with I formation on this. They know that he is from XXXX. Here is the detective on the case. Det. XXXX XXXX XXXX XXXX XXXX Police Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Phone- XXXX Desk- XXXX Also in response to the person that worked on my case. She would not listen to all the calls I made on this. She had me pick a time and only listened to those. I know she heard what I said. She told me in a phone call that since I gave him my log in that she would not consider it fraud. However this man knows how to get around their policy to take large amounts of money from people. They do nothing to protect their customers.
Company Response:
State: IA
Zip: 510XX
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I applied for an XXXX XXXX XXXX card through Chase at the end of XX/XX/2022. The offer I accepted for was for 0 % 12 months on purchases. I have been making my purchases and started carrying a balance as i thought there was 0 %. I do everything paperless and I happened to look at my last bill as I have been doing some remodeling to my house and noticed a finance charge. I called Chase and they said I do not have 12 months at 0 %. I asked to speak to a manager who was XXXX and said they have no reference of that and I would be paying the interest charges. I asked to file a complaint with the executive office, he said he logged the complaint and there was nothing else to do. I have paid XXXX, XXXX and XXXX thus far in interest that I should not be paying for. I have not missed any payments and make more than the minimum payments so there is no way that I voided the XXXX months.
Company Response:
State: GA
Zip: 30189
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: According to my credit card issuer, " With Chase 's Zero Liability Protection you wont be held responsible for unauthorized charges made with your card or account information. '' I noticed unauthorized charges on my credit card while XXXX on a family vacation in XXXX this summer : Post Date Merchant Name XXXX Amount XX/XX/2022 XXXX XXXX XXXX {$4200.00} XX/XX/2022 XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, from whom we had a prepaid rental car. This car was paid in full with a different credit card, a transaction that took place on XX/XX/2022 via XXXX. I did not authorize these additional charges with this vendor. I did not sign the credit card receipts. I was not aware the vendor would be making these charges on my credit card. I notified Chase of these suspicious charges via the online messaging service as soon as I noticed them listed in the recent billing activity of my online statement. I spoke with the merchant at XXXX XXXX XXXX in person and demanded the charges be returned as they were not authorized. He did not. I then formerly disputed the charges with Chase, after the merchant refused to refund them, and spent, in the end, months dealing with them trying to get them refunded. And, yet, I am still being held responsible for these charges when I did not authorize them. In the dispute, the vendor submitted altered documents that I did not sign, nor ever see. He forged my signature on credit card receipts. I've had this Chase Visa credit card for decades and have never had a late payment. I have an excellent credit score. I have never filed a credit card dispute in the past, as I'm lucky to have never been a victim of fraud before, that I'm aware of. In turn, I do not feel supported by my credit card company and don't understand why, nor can I accept that, I am being held responsible for these 2 unauthorized charges. They claim this was not a billing error and these are valid charges made by a merchant who, upon online investigation, has a history of doing this and is a scam XXXX. Chase Cardmember Services wrote in their last letter to me they " will not respond to future correspondence [ from me ] about it. '' I would like these two charges refunded as these fraudulent transactions are not valid. And I would like everyone to know to NEVER do business with XXXX XXXX XXXX.
Company Response:
State: CA
Zip: 926XX
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A