Date Received: 2022-11-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XXXX XXXXthst XXXX to XX/XX/2022 my Chase checking Account started being charged by the merchant XXXX XXXX XXXX My Checking Account was charged a total of {$13000.00}. I immediately contacted the merchant company as soon as I noticed on the chase app l the transactions that went out to them. I noticed this on XXXX XXXX after checking my chase app. The company was unable to help because they was asking me to verify my identity using a code sent to my email in order to access any records/personal information in their system but it was impossible since I did NOT have an account with this merchant and never used them before in the past. They told be if I believed someone else made a account using my identity that I should immediately contact my bank and let them know. I then contacted my Chase Bank right after on XX/XX/2022 and explained to them what had happened. They assured me that they will look in to it and not to worry because since the transactions were unauthorized they will be able to help me get my money refunded back to my account. After opening a claim with Chase regarding each of the transactions that went out to the merchant I waited and called for an update every day from them. The last time I spoke to someone they told me I will have my funds returned to my account on XXXX XXXX. It is now XX/XX/2022 and Chase has closed to dispute without an explanation and havent received ANY of my funds back. I called Chase and was told the reason was that it was authorized by someone through a text message which was confusing to me because I havent received any text message from anyone to verify anything. I asked them for proof of this and they basically said they dont have it. Chase has not provided me anything or any further details regarding this. I contacted Chase again the following day and they stated they have sent out a letter but its been XXXX weeks since I filled the claim and I still havent gotten any letters from Chase regarding this unauthorized transactions I reported. I also asked to speak to a manager or someone who could be of more help and after being placed on hold for over an hour the call got disconnected. I spoke to my lawyer and my lawyer have advised me to firstly CFPB and tell them everything.I will also be filling some king of police report if necessary. I dont know what else to do. My account is now in the negative and I really need help with this situation. I trusted Chase with keeping my account safe as promised in their terms and conditions and they have failed me.
Company Response:
State: NY
Zip: 10027
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: On XX/XX/2022 I applied for a Chase credit card. Chase pulled a hard inquiry from my consumer report at that time with all three credit reporting agencies. Today I went into a Chase branch to verify my identity for this application at Chase Banks request. After providing the documents they asked for I noticed that an additional hard inquiry was pulled from my consumer report. This second inquiry was illegal because I was not notified that it would occur before hand. Also it is not fair to pull my credit more than once for the same credit product. Chase is supposed to be an equal opportunity lender. I have not been given an equal opportunity to receive credit.
Company Response:
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: There are unauthorized businesses on my credit report.
Company Response:
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Facts : Chase Sapphire Reserve Credit Card XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$13000.00} XX/XX/XXXX - Annual Membership Fee {$550.00} ( paid ) XX/XX/XXXX - XXXX XXXX XXXX XXXX from {$13000.00} to {$1400.00} - taking the amount of annual fees charged to 39.2857 %, which exceeds the 25 % limit. XX/XX/XXXX - Membership Credit was issued ( auto generated ) to my account of {$550.00}. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX - Annual Membership Fee {$550.00} ( paid )- the percent of annual fees charged to the Total Line of Credit was 39.2857 %, which exceeds the 25 % limit. per section 1026.52 Limitations on fees under the eCFR ( The Electronic Code of Federal Regulations ) it states : The total amount of fees a consumer is required to pay must not exceed 25 percent of the credit limit. My fees are 39.2857 % - thus in violation of the Federal Regulations I have contacted Chase multiple times regarding this issue and each time they have stated that they are unaware of this rule and have no way to manually credit me the Annual Membership Fee. I am writing this in hopes you will be able to help me hold Chase accountable for not following the Federal guidelines.
Company Response:
State: IL
Zip: 60515
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
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 purchased a flight through this credit cards travel program for a flight on XX/XX/22, the airline never issued my boarding pass. I called chase to try to resolve at the airport but they couldnt get in touch with the airline. Post then, I have called Chase ( the credit card issuer ) to dispute this transaction since I never received the service. I have called Chase between 8-12 times over the course of almost 3 months and never receive an answer or resolution. I was never issued any credits or refund around this ; and have been told numerous times that someone will follow up on the case but no one has.
Company Response:
State: IL
Zip: 60654
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Chase bank offset my account on XX/XX/2022 and justified such action by citing their 'The Deposit Account Agreement ' which outlines the definition of a joint account. This agreement also states that " We do not have to give you any prior notice to apply the funds except as required by law ''. As stated in 'The Consolidated Laws of XXXX XXXX ', Chapter 2- Banking, Article 1 : Short Title ; Definitions ; Miscellaneous Provisions, Section 9G 'Right of set off ', subsection 3 - " No banking institution shall assert, claim or exercise any right of set off against any other deposit account held by such banking institution unless, prior to or on the same business day of such action, notice of the set off together with the reasons for the set off are mailed to the depositor ''. I nor any other of the joint account holders were ever notified of an intent to offset by Chase bank, making their actions on my account unlawful.
Company Response:
State: NY
Zip: 11580
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I got a call from chase bank XX/XX/XXXX stating that someone tried to use my account to make a purchase in XXXX Georgia and wanted to know if it was me trying to make the purchase. I told them no it was not me and went through the proper channels of closing my account. This person who called had my first and last name account numbers address literally all of my information as well as the Chase bank information. Later in the day I checked my account and saw that close to {$1500.00} was removed from my secondary checking account from an ATM. I immediately called chase back the same day and reported it. I have NEVER taken money out of this account via ATM and this account has been active for over 7 years at this point. This account originally started as a savings account so it isn't linked to my bank card I can only access money from this account by transferring it from this account ( my secondary ) to my primary account. They claimed they never called me about the previous fraud charges. I spoke to a representative and he confirmed that I had been frauded and went through the necessary channels to put in my claim. I called them back several times after this on the XX/XX/XXXX, XX/XX/XXXX, and then again on XX/XX/XXXX to check the status of my claim to which they expedited a credit for my account. I asked them on every single call how it were possible for someone to remove funds from an ATM from my secondary account when if I went to the bank myself with my card I could not pull funds from an ATM from this account because this account is not able to be accessed in this way. They could not provide me with an answer and stated " Thats what they're investigating. '' I thought this was the end of it until I received a notification from my chase app today XX/XX/XXXX saying that the funds credited to my account had been removed again leaving my account balance in a place of concern for me. I immediately called chase again and literally spent the hours of XXXX trying to rectify this situation as I have OBVIOUSLY been frauded. Again I have had this account for over 7 years. I have never made an ATM transaction from it and this is literally my first time ever making any kinds of fraud claim on it. They could not provide me with any real information as to why they denied that this was fraud even though they told me my account had been added to someones XXXX XXXX that was not my own. I asked them again how it was possible multiple times for someone to use XXXX Pay to remove funds from an ATM from my secondary account when if I went to the bank myself with my card I could not pull funds from an ATM from this account because this account is not able to be accessed in this way. Nobody could provide me with any answers on this still. I am aware that I am protected from liability through Regulation E which makes the denial of the reimbursement of my funds even more strange. below I have attached bank statements dating back since I opened the account showing that I have never made an ATM withdrawal from this account as well as confirming that this was a savings account.
Company Response:
State: IL
Zip: 60641
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I am being sued by JPMorgan Chase for XXXX XXXX XXXX ( one I've had for 30 years ). My husband XXXX XXXX XXXX XXXX XXXX and I'm on XXXX and we didn't have income for a year during the pandemic. I got behind on my credit cards. I called to see if I could pay {$50.00} a month, and they only wanted the minimum payment. I simply couldn't keep up. They are now suing me for the cards. They have locked me out of my online portal so I'm unable to show the judge the true amount of the debt, which they are exaggerating. Their documentation to the court shows only a one page of a statement ( showing balance of {$26000.00} with a minimum payment due of {$4300.00} and the second card showing {$27000.00} with a minimum payment of {$5100.00} ). They submitted little knowledge of the actual debt details and using their corrupt " robo-signing '' to sign off on the account, which is contributing the the inaccurate claims of debt owed. JPMorgan is back to XXXX practices of filing tens of thousands of lawsuits, while only showing an affidavit swearing the truth of Chase 's claims that is signed by a XXXX employee with little knowledge of the actual details the accounts. This practice of signing off on paperwork without reviewing any evidence is what they did before - when they promised the CFPB to provide better supporting documentation. The provision against Chase expired in XXXX and here we go again and I'm a victim of their practice this time. I would like more evidence. I am looking at filing XXXX XXXX bankruptcy because of this situation. I would like to resolve this but there is no one to talk to. I've even reached out to their " attorney '', who was very unhelpful, however stated he would send me documentation to verify/prove ( not the one page document they submitted to court ) I went to initial hearing on XX/XX/XXXX and no one showed up on their end, I denied the accuracy of the amounts and it is now set for pretrial on XXXX XXXX, XXXX. I have talked to attorney general as well, and am seeking help from an attorney. Chase is back to it's dirty games.
Company Response:
State: KS
Zip: 665XX
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Someone opened a checking account and linked it to my savings account without me knowing and began transferring thousands of dollars ( usually in increments of {$1000.00} to {$3000.00} ) at a time to the checking and withdrawing all my money within the span of a couple of weeks in XX/XX/2021, my account was completely emptied ( {$75000.00} ). I had this account for several years and I only used this account to save my money ( for my retirement ) so there were not many transactions until this happened and most transactions were deposits.
Company Response:
State: CA
Zip: 94806
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Chase has furnished a hard inquiry on my credit report without my written consent. Also credit is my RIGHT. I can not be denied my own credit. A letter was sent in and was received on XX/XX/2022 at XXXX.
Company Response:
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A