Date Received: 2022-11-14
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: Purchased a power trunk kit for a XXXX XXXX XXXX from XXXX XXXX. The product was defective and did not function as claimed. Specifically, the trunk release button in my car no longer functions after the XXXX Offer product was installed. Trunk release button worked perfectly before the installation of the XXXX Offer product. I contacted the merchant. The merchant requested additional information as well as a video showing the issue. I provided the merchant with all requested information including video evidence that the product did not work. Merchant refused to replace the product blaming XXXX for the problem. I advised the trunk was working fine until their product was installed. The merchant then tried to blame their certified installer and refused to provide a full exchange. The merchant only offered an exchange of a single component that did not resolve the issue. Accordingly, I filed a chargeback with Chase to dispute the charge as the product was defective and the merchant refused to address the issue. Chase states that because the merchant is claiming the product was received, the charge stands. The issue is not whether the product was received, but rather whether the product works as claimed. The product is clearly defective, as agreed to by the merchant 's certified installer, but the merchant is refusing to refund my money. I have now paid over {$1000.00} for an item that does not work.
Company Response:
State: CA
Zip: 95148
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: GOOD DAY SIR / MA, I HAVE IN THE PAST MADE CREDIT CARD ENQUIRES WITH THIS CREDIT CARDS COMPANY BUT I NOTICED THAT EACH YEAR THEY WENT AHEAD AND CHECK AND MONITOR MY CREDIT, WITHOUT MY AUTHORIZATION. THIS ADDS UP ON MY CREDIT REPORT AS IT MAKES IT LOOK LIKE I MADE THE NEW REQUEST FOR THE CREDIT CARDS. ALSO I HAVE BEEN A VICTIM OF IDENTITY THEFT IN THE PAST, I THINK THE PERSON WITH MY INFORMATION STILL TRY TO GET CREDIT CARDS ON MY INFORMATION AS I RECIEVE SOME DECLINE MAIL WHILE I NEVER APPLIED FOR ANY CREDIT CARD THIS ALSO SHOWS UP ON MY HARD ENQUIRY CREDIT REPORT. I WANT THE BANKS THAT HAVE MY SSN THAT MONITOR AND CHECK MY CREDIT WITHOUT MY CONSENT TO STOP DOING SO, ALSO SOME CAR DEALERSHIP, AND CLEAR UP MY HARD ENQUIRY, AS ITS AFFECTING ME NEGATIVELY. I NEVER GAVE THEM ACCESS TO MONITOR AND CHECK MY CREDIT YEARLY, BUT I SEE THEY DO SO YEARLY, AND SOME NEW ENQUIRIES I NEVER ACTUALLY AUTHORIZED. ATTACHED ARE THE PICTURE OF COMPANIES REQUESTING AND MONITORING MY CREDIT SCORES YEARLY.
Company Response:
State: FL
Zip: 33020
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
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 an account without my written instructions. 15 USC 1666B : A Creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Company Response:
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: On XX/XX/XXXX, I received a phone call from a group called XXXX XXXX XXXX, the main person being XXXX XXXX, who states that he could help me have total debt elimination to Chase Bank whose interest rates were outrageous. He stated that there is a law : Fair Debt Collection Practices Act, which was found to have a " loop hole '' ( XXXX ) which allows his company to assist senior citizens as myself. He stated that his Agency was recognized by the 3 major Credit Bureaus. My amount owing was about {$5700.00} ; they would charge that card an additional {$6000.00} for legal fees for debt elimination by their attorneys ( was labeled : XXXX XXXX XXXX ).. He stated that the 3 Rules were as follow : 1. Do not pay XXXX anymore 2. Do not speak with Credit card or Bank employees 3. Call XXXX XXXX anytime XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Their Agency is listed as being in XXXXXXXX XXXX. This last item was good for a few months, but have been unable to reach anyone for about 3-4 months ; the " leave a message voice '' says that the " mailbox is unable to receive further messages at this time. " ... .then a " goodbye. '' I have a very " bad taste in my mouth '' about this scenario ; it stings terribly like a fraudulent action has occurred in my life. I would be forever grateful for a strong intervention to assist with my dilemma. Gratefully,
Company Response:
State: TX
Zip: 788XX
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hi, Today I received a transaction from XXXX for the amount of {$650.00} to a Fraud company call XXXX. XXXX claims that is the bank responsibility and Chase that is XXXX. At this point I hasnt been help to recover my funds from any of them.
Company Response:
State: FL
Zip: 34771
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: XX/XX/XXXX Consumer Financial Protection Bureau XXXX Re : Chase Bank Corporation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom It May Concern ; We gave Chase Bank adequate time to resolve the issue. However, Chase ignored us and did not keep their commitment. Chase committed that if we bring XXXX XXXXXXXX and maintain that balance, they will waive past monthly service charges, etc. Per their instruction on XX/XX/XXXX, we deposited XXXX XXXXXXXX as I attached. However, they gave us a partial credit and still there is an outstanding balance of {$290.00} which should be credited to our account as soon as possible. This is a business account and we maintained large balance. However, due to legal matters, we had to withdraw a large amount from our account in XX/XX/XXXX. We were expecting the legal matters to be resolved soon and then we would redeposit the funds. However, due to Cov-19, legal matters have dragged on for a long time. Chase told me that as long as we maintain a balance of XXXX XXXX, they would fully reimburse all past monthly fees, etc. but they did not keep their word. There are two pages of transaction summary which I attached. Chase reversed the three months of monthly fees. The bottom of the second page showed that XXXX XXXX XXXX which are covered XXXX XXXX, XX/XX/XXXX which totals {$90.00}. XX/XX/XXXX {$12.00} credit XX/XX/XXXX credit to monthly fees of XXXX, XXXX and XX/XX/XXXX. {$90.00} XX/XX/XXXX credit to monthly fees of {$210.00}. When I computed their total {$30.00} monthly service fees 19 times which is {$570.00}, plus XXXX of {$64.00} twice which came up {$120.00}. Therefore, their total charges were {$690.00} However, Chase gave us only credit of {$400.00}, so there is a {$290.00} shortage of credits. At the beginning of XX/XX/XXXX, I spent many hours speaking to their customer service at XXXX. Lady disclosed her name is XXXX who is a supervisor of customer service. XXXX said she was not able to calculate all the amounts on her site. Per her instructions, on XX/XX/XXXX I went to their branch at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX spoke with branch XXXX, XXXX XXXX who made me wait for over half an hour. XXXX XXXX was able to see that their calculation was not correct. I was very surprised that he said he had No authority, so the XXXXXXXX XXXX region Manager, Lady, would contact me shortly. However, as of today, none of them have ever contacted me. We usually maintain a few XXXX XXXX dollars balance and give them a lot of business with credit cards, etc. Such a reputable company in the financial business should not have deceived the client and not kept their word. Without your organization taking proper action, Chase will not change their behavior. I could get a better interest rate from money market account, but Chase made us bring XXXX XXXXXXXX and did not gave me total refund of service charges. Chase opened the business in our area about 6 or 7 years ago. At the beginning, they were very friendly, but since they had to build their business, they changed their attitude. Please look into this situation and help us. Thank you for your time.
Company Response:
State: CA
Zip: 95050
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
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: My chase credit card was charged for {$720.00} for an online purchase at XXXX XXXX that neither myself or my husband made. I reported this fraud to Chase and they issued a new credit card. After waiting for over a month, they sent a letter saying my claim was denied. I called them and they said that my husband bought an XXXX controller ( he did not and does not even own an XXXX ). They said they would reopen the claim but to also call XXXX XXXX, which I did and they claim that the purchase was made for curb side pick up at a location over an hour from where I live. They also say they will " investigate. '' This is absolutely ridiculous we have been Chase customers for years and have always paid on time/ never filled any other fraud claims. I will be leaving Chase if they do not resolve this issue and refund us.
Company Response:
State: VA
Zip: 22901
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I realized my identity was stolen when I received a notification on my phone from Chase bank regarding a withdrawal from my checking account. After a closer look at the account, I found a lot more fraudulent activities span from XX/XX/XXXX to XX/XX/XXXX. There were five fraudulent withdrawals from various Chase bank locations in the total amount of {$15000.00}. I was shocked at how easy it was for the fraudsters to walk into a national bank and just take money out of my bank account. Almost immediately after the discovery, an identity theft report with Chase and a grand larceny police report were filed. After a couple weeks of painstaking communications with Chase bank, I was partially reimbursed {$11000.00} on XX/XX/XXXX. I went to my branch to request a withdrawal all of my funds and close the account. A supervisor on site told me that my account as frozen at the moment and refused my request. " There's no need to close it, you can continue to make deposits and make withdrawals after account unfreezes '' as the supervisor explained. I trusted his words, but that was a mistake. On XX/XX/XXXX {$20000.00} was fraudulently withdrew from the same checking account that I was denied access a couple weeks back. And a {$3300.00} fraudulent purchase was made at XXXX XXXX with my debit card information. How is this possible? I was speechless at what was unfolding in front of my eyes. After I notified the authorities and Chase Bank of identity theft, Chase still let criminals walk into their branch and just take money out? After everything that has been reported and verified by their fraud department? I had to dispute again and close my account for good. However, this time Chase refused to admit their incompetence and flaw of the banking system that caused this mess. They denied a full reimbursement of the money stolen and sent me a {$3300.00} check before cut off all communication regarding this case. Chase still owes me {$21000.00} and I think they are keeping that money.
Company Response:
State: NY
Zip: 113XX
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
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 XXXXXXXX, JPMCB Card, and XXXX XXXX XXXX creditor has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment on a credit card account open end consumer credit plan as late for any purpose.
Company Response:
State: CA
Zip: 94804
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Below you will find details regarding Friday XXXX XXXX fraudulent call. 1. The scammer replicated the Chase phone number on the back of the card. 2. XXXX ( scammer ) alerted me to actual fraudulent charges in my account. a. Two from XXXX in XXXX, NV and one from a printer in XXXX 3. The wire transfer amount can not be arbitrary as it was the amount in both accounts. 4. XXXX XXXX scammer ) was aware of both business and personal accounts 5. Per XXXX a CS from Chase fraud Scammers are getting good with the IDs as it closely resembles ours. 6. XXXX tricked me into thinking what I was doing was reversing a fraudulent transfer going out. 7. If XXXX knew so much was there a breach of data at Chase? 8. XXXX XXXX XXXXXXXX Is the scammer running all his stolen money through their bank? 9. The money stayed in the account all weekend and was taken Monday night. 10. I asked for the recordings of the 3rd customer service people who spoke to who said, the wire was stopped in time. Also, the recording of the manager who hung up on me, as well as the manager who stated, If we told you we stopped the wire, I feel like we are partially responsible. 11. When was the wire actually stopped? 12. XXXX from Chase Corporate left me a message stating, They are taking my claim seriously and need more information. I called back 2x to talk to them and left a message. A few days later without having additional information, Chase decided I was scammed, sorry but they will not help with anything. ( Claim XXXX ) Events as they happened. XX/XX/XXXX Sitting at the light of XXXX XXXX XXXX and XXXX XXXX XXXX Incoming call XXXX XXXX from Chase We noticed there may be fraudulent activity on your card o Did you make twos purchases from XXXX in XXXX, NV and one from a printing company in XXXX I responded absolutely NO XXXX, can you pull over and login to your account and see if there is anything else suspicious? I pulled into the XXXX XXXX parking lot and checked my account. Logging in on my phone. o Confirmed those charges were indeed showing in my business checking account. XXXX Are you sending out a wire? Me Absolutely not! XXXX We need to reverse the wire its {$11000.00} I am in a state of panic knowing there were fraudulent charges and the possibility of a wire. XXXX You need to move the money out of the business account and into your personal account where they have not touched anything. I put him on mute and called my husband XXXX from my friends phone and asked him to call Chase. My friend had been sitting next to me the entire time. XXXX then walked me through steps to reverse the wire which looked like creating a wire, so I had concerns, but the phone number matched, and he did call me about fraudulent charges. I went to hang up and XXXX interjected that if I dont reverse the transfer quickly the scammers will get it. XXXX check the phone number on the back of your bank card ( which I did, and it matched the number he was calling on. I even had my friend eyeball it to confirm ) o He said his ID is XXXX I told XXXX to do it himself and he said the only way was if I do it. XXXX ( who was at home ) called Chase and told them, NO ONE AUTHORIZED A WIRE! The Chase CS restricted the account at that moment. The specific instructions XXXX gave me was that the scammers name is XXXX XXXX. In order to reverse I need to enter my address with Reversal Invoice XXXX XXXX said to change my password which I did but then got locked out. He kept saying it was the system and not me to hang on. The call dropped. At this point I was locked out of my account. I called Chase again at XXXX and XXXX picked up I explained everything to him, and he felt strongly that we stopped the wire in time. He also asked me what the ID that XXXX gave me. When I read it to him, he said scammers are getting better because that is close to the actual numbers they use with a letter and five numbers. He then sent me on to someone who could get me back into my account. At this point I had to drive and said I would call later knowing that the wire had been stopped. Called again with XXXX between XXXX and XXXX This time the person verified us by sending me texts. Explained the entire situation again and after a long while this person told us what XXXX did. I tried calling 2x on Saturday and was frustrated by the lack of consistency for which the Chase CS representatives confirmed my identity and at this point I didnt trust who was on the other side of the phone. I just hung up and waited until Monday to go to the local XXXX XXXX branch. XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX the XXXX XXXX assisted e. I explained the entire thing again. Said I did not want to call XXXX again because there was no consistency in how they verified a person, and I didnt trust who I was talking to. He called fraud and they said that the wire was not stopped in time. I filled out a statement which he scanned over to fraud. XXXX also suggested I fill out a police report, which I did as well as a report with the FBI. I told XXXX that the amount of money could not be arbitrary, that it was all the money I had in my account. XXXX suggested we run scans on our computers and phones. We told him we ran scans on the computers and phone on Saturday XX/XX/XXXX and found nothing, so he suggested also changing the password on our home wifi. XXXX helped me set up new accounts and a password a Chase employee should ask me when I call. He also gave me the proper fraud number to call. I asked XXXX what would happen, He said Chase may be nice and give us our money back and they may not. XX/XX/XXXX Called the number XXXX gave me and got XXXX again. He said he remembered me and said there were no changes yet. That he was sorry Chase didnt have a better process to keep me informed and he wishes it was easier for me to find out what was going on. I was NOT asked the password that was set the day before. XX/XX/XXXX - I decided to call XXXX XXXX XXXX XXXX where the wire went. ThXXXX XXXX XXXX XXXXXXXX website does not offer a number to call. So, I looked up branches in XXXX and called XXXX and XXXX. No answer at either both said I must make an appointment. With no number to call I went to the XXXX XXXX XXXX XXXX page to find a number and the only option was to message them. See below XXXX! Filename not specified. XXXX XXXX XXXX Typically replies instantly XXXX people like this including XXXX XXXX and XXXX friends XXXX XXXX XXXX XXXX XXXX You sent Get started Enter XXXX XXXX XXXX Error ! Filename not specified. Thanks for reaching out to our Help team with your account-related questions. Well monitor and keep a record of what you send us. XXXX also has access to, and can use, any information in this conversation. Enter You sent I am very frustrated that I can't call a number and get a human! I am not a customer but need to speak to someone regarding XXXX of your clients that scammed money out of my account and it went to a XXXX XXXX XXXX XXXX account. If he did this to me, he is doing it to others. It was an elaborate scheme. His account should have been frozen. I need to speak with a human. XXXX XXXX XXXX XXXX XXXX! Filename not specified. Hi XXXX, your message is being routed to a XXXX XXXX XXXX We'll connect with you as quickly as we can. Enter You sent Thank you Enter Tue XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Error! Filename not specified. Hi XXXX. We apologize for the extended wait time. Do you have an account with XXXX XXXX XXXX? ^XXXX XXXX You sent I do not have an account number with you as I said previously. I need to speak to someone about a person who does have account with you and stole money from my account. Enter You sent It was wired into XXXX XXXX XXXX XXXX Enter You sent I want to speak with someone and not XXXX XXXX Enter Tue XXXX XXXX XXXX XXXX XXXX Error! Filename not specified. We apologize, but we are not able to discuss account related concerns with third parties. If you were a victim of fraud, please work with your financial institution to file a claimXXXX XXXX XXXX XXXX XXXX XXXX You sent I saw another complaint on line about this. I want to know how you handle this. I am sure he has done this before and it's assisting him in stealing by running it through your bank. I want to give someone his name on your side and have them look into this. Enter You sent I will continue to find someone to speak with. Enter Tue XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX! Filename not specified. Please send us our client 's full name, zip, and phone number if you have it. Please note, we would not be able to provide details to you. ^XXXX XXXX You sent I don't want you to tell me about him. It's not right he stole money from me fraudulently. Enter You sent XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is more. He impersonated a Chase employee, replicated their CS number and alerted me to fraud, which he most likely created then wired all my money out. Enter You sent The wore was stopped asap but he already took it out of your bank. I am sure I am not the only one. Enter Wed XXXX XXXX XXXX XXXX XXXXXXXX XXXX! Filename not specified. Thanks for the additional information. Please continue working with your bank regarding your claim. ^XXXXXXXX XXXX XXXX XXXX XXXX You sent it was Friday XX/XX/XXXX {$11000.00} Enter You sent please look into this theft Enter Wed XXXX XXXX XXXX XXXX XXXX Error! Filename not specified. We have escalated the concern. Thanks for making us aware. ^XXXX XXXX You sent Thank you. Called XX/XX/XXXX XXXX XXXX XXXX pull up the claim number to verify me did not have the password discussed I asked him for the recordings of the calls he sent me to CS who also couldnt help me XXXX sent me to XXXX in compliance who also couldnt help me. XXXX sent me to a supervisor named XXXX. I asked her for a copy of the calls made on XX/XX/XXXX and she said no, then I asked for a written statement of the calls and she said Chase wont do that and hung up! XX/XX/XXXX XXXX no password told him of my frustrations he said the claim was denied, said unless someone speaks to me, I will call a lawyer and file a complaint. I asked why I wasnt informed, no one called me. He gave me to XXXX another supervisor who listened and pulled me on an extended hold. I explained we were told by 3 Chase employees that the wire was stopped, she is seeing if the calls can be pulled and was there notes to cancel this wire. At this point no one has reached out to me. All accounts, fraudulent wire information and reports are attached to this email as well. XX/XX/XXXX Called Chase corporate and left a message. XX/XX/XXXX XXXX from Chase Corporate called stating Chase is taking my claim seriously and she needs more information. XX/XX/XXXX Called XXXX back and left a message XX/XX/XXXX Called XXXX again XXXX and left a message XX/XX/XXXX XXXX called to state, I was a victim of fraud, and they were doing nothing about it. Even though they did not have any of the extra information they first requested. XX/XX/XXXX Called XXXX back, left a message I was hiring an attorney.
Company Response:
State: CO
Zip: 80439
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A