Date Received: 2022-11-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I paid ( deposit + final ) a Food Truck for catering an event using XXXX ( attached to a Chase Visa Credit Card ). Visa/Chase recently changed these payments to be classified as " Cash Advances '', which accrue a hefty fees/interest. There was no communication from the bank before this change was made, and I'm sure Visa & Chase are profiting heavily from it. XX/XX/2022 XXXX Miscellaneous Cash Advance {$140.00} XX/XX/2022 TRANSACTION FEE Fee {$15.00} XX/XX/2022 CASH ADVANCE INTEREST CHA Fee {$1.00} XX/XX/202XXXX XXXX* Miscellaneous Cash Advance {$510.00} XX/XX/2022 TRANSACTION FEE Fee {$25.00} XX/XX/2022 CASH ADVANCE INTEREST CHA Fee {$11.00}
Company Response:
State: UT
Zip: 84092
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Please see attachment letter for errors on my credit report. XX/XX/XXXX JP MORGAN CHASE BANK Executive Office XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX : XX/XX/XXXX Re : JP MORGAN CHASE ACCOUNT XXXX XXXX in the Amount of {$3900.00} To Whom It May Concern This is about consumer credit transaction entered with JP Morgan Chase Bank dated about XX/XX/XXXX and I extended your organization the credit for the account number XXXX. I hereby give your company JP Morgan Chase Bank notice pursuant to 15 USC 1602 ( k ) that your company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your company didnt even inform me about the cost of credit and the only evidence of the indebtedness was just a computer generated agreement. According to 15 USC 1602 ( k ), adequate notice means a printed notice to a card holder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. Since adequate notice was not given as per the above mention section, I could not understand its meaning which is a violation under 15 USC 1602 ( k ). Further, pursuant to 15 USC 1601 ( a ) A consumer must be aware of the cost of transaction. Since I was not aware of the transaction, therefore made an uninformed decision and it is resulted in multiple billing errors, and unfair credit card practices. From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ). According to 15 USC 1602 ( p ), the term unauthorized use means a use of a credit card by person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the card holder receives no benefit. 1. Accounts deleted from All consumer credit reporting agencies 2. Monetary relief for recent denial of mortgage loan due to this billing error from JP Morgan Chase Bank. ( See attachments ) 3. Return all monies ever paid on this account. If you accept my request, I will not escalate this matter to federal court. In case, you dont accept the above request, a legal action shall be taken against your company for Compensatory damages. Thank you, XXXX XXXX XXXX
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I have travel protection insurance for damaged luggage through my Chase Sapphire XXXX credit card. My claim that I submitted on XX/XX/XXXX for my damaged luggage is still pending over a month later, and I was supposed to be contacted by a customer service person via phone but never was. The XXXX XXXX XXXX that they use is still requesting documents that I've submitted multiple times ( their website is broken about won't even let you upload documents, so they had to be emailed ), not calling me back at the promised time after they agreed to on multiple occasions, keeping me on hold over XXXX hour each time I call ( over XXXX hours on the phone ), and refusing to address the claim that I was supposed to be contacted about within 5 days. They appear to be trying their best to avoid addressing the claim and increasing the pending time to the point that the claim is invalid. Please see this website for similar reviews on this company which is undoubtedly a scam : https : XXXX
Company Response:
State: NC
Zip: 27604
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: A NJ Chase account check was written out to XXXX & XXXX for {$53.00}. XX/XX/2021, it was stolen from mailbox and altered, changing the payee and the amount to {$12000.00}. It was cashed at a NY XXXX bank. t was reported to the police and Chase Fraud dept. Chase has refused to refund the money, stating that XXXX book was responsible for the refund. This has been going on for close to a year. I have been calling Chase every month. They keep sying they are waiting on XXXX.
Company Response:
State: NJ
Zip: 07205
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: After reviewing my credit profile on XX/XX/22 I identified a discrepancy with account listed under XXXX XXXX and validation was requested as this was an account I did not recognize. I review my credit report again XX/XX/22 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as a correctly belonging to me. Has my credit report been updated to reflect that the account is disputed and therefore 2nd Validation letter sent out this day. After reviewing credit report again in XX/XX/22 there have been no updates and account is still reflecting on my report. I dont believe this account belongs to me nor do I believe that the creator has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received providing that the account belongs to me and all information is correct.
Company Response:
State: FL
Zip: 33134
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: In XX/XX/2022 I mail a rent check from my XXXX checking account, the check was stolen, altered and subsequently cashed at XXXX XXXX XXXX. I received notice that my landlord did not receive my check and when I checked my account it was very clear the check had been altered. I immediately contacted my bank and the post office and created a claim with both. Chase was very difficult to deal with as after numerous attempts by myself, my branch including the branch XXXX and assistant XXXX they informed me they finally had received all the documentation they needed, this process took over 6 months. After that Chase now submitted their request for the funds to be returned and then had to submit them 3 times before Chase would confirm to me that XXXX XXXX XXXX had the documents but also said they could come back for more information. This process is so complicated for something as a consumer I have had to take on by myself, Chase basically said all they could do was ask Bank XXXX XXXX for the funds to be returned but no guarantee that could happen, so if they say no I loose my money. Chase and XXXX XXXX XXXX are FDIC insured bank and with that and the obvious altered check I should not have to go they this crazy process because the reality is the check should never have been cashed to begin with and then once Chase received the check they should have kicked it back to XXXX XXXX XXXX immediately and returned the funds to my account. I have several accounts with Chase and I feel Chase basically told newtoo bad!
Company Response:
State: NY
Zip: 10023
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
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: Dear CFPB, I initiate the dispute CLAIM ID : XXXX on XX/XX/XXXX because I was misleading when I purchase the XXXX XXXX. I was promised a price match ( refund ) by the seller ( XXXX ). I got the email to confirm the refund on XX/XX/2022 at XXXX XXXX from XXXX XXXX headquarter ( see email in attached file ). However, it has been XXXX week and they not refunded me. I contacted the bank to file the dispute to get the money back because the price was higher than what I was promised and expected. XXXX told me there will be a hold on the account for {$3300.00} and it will dropped and they will only charge me {$750.00}. It was a lie. They billed that full amount and everything was posted on my Chase credit card. Chase initiate the dispute for me and gave me the temporary credit right away. In the meanwhile, I also go and return the back to the store and have the return receipt ( see in attached file ). I then called Chase on XX/XX/XXXX tried to explain that I want to change the reason to Returned and Not Refund. However, I don't know if there was any misunderstanding between me and the agent at Chase ( XXXX ), it was never updated. On XX/XX/XXXX, Chase sent me a letter online saying that the dispute was not in my favor because the store provided the purchase receipt, Chase immediately took the temporary credit back without giving me a chance to explain or submit more document to prove my case. I then on XX/XX/XXXX ( 1 day after the deny from Chase ) submit the receipt that I returned the item and the email from XXXX XXXX promised the price match, at this point the price match is longer matter since I returned the product. I asked them to re-opened the case and fight it for me. I sent the document and everything through their secured online portal and they confirmed me the same day of receipt ( Attached files for proof ). Until now, they have not answer me anything, I called them back today ( XX/XX/2022 ) to check on the status, and they told me it was not resolve in my favor without giving me a reason. They told me the merchant denied it. However, from my understanding, The bank should have the power to fight for me, because I already sent all the evident proof. They just laid back and never get back to me. I have no idea what is going on. It has been a while and they never get back to me.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Unable to change telephone number for accessing bank info and statements on line. Submitted documentation to bank on XX/XX/22 they submitted a Document Review Request Form with a notarised document allowing for the telephone number change that was signed. Was informed by the bank that the legal department informed them of the refusal of said documents, only if I came personally to the bank, which is impossible as I am in XXXX at the present time. I sent my cousin XXXX XXXX to represent me at the bank.,
Company Response:
State: NY
Zip: 11204
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: XXXX XXXX : learned that my checking account was overdrawn due to inadvertently making XXXX credit card payments to the same card in XXXX month. After speaking with a representative from Chase, they advised to not do anything. When the demand for payment shows insufficient funds in the checking account, it will go back to Chase and you will be able to pay the amount the following month when the funds are available. And DO NOT TRANSFER FUNDS FROM ANOTHER INSTITUTION TO ACCOUNT FOR THE SHORT FALL. XXXX. Learned that checking account was overdrawn again due to Chase again requesting payment. On XX/XX/XXXX the Chase Rep said nothing regarding Chase sending a second payment request. This week, there were several checks sent out to various merchants, my assumption being that Chase was not going to make a second attempt for payment. The result, several overdrafts, due to insufficient funds. I again contacted Chase, regarding this matter and was once again informed to let the checks bounce, because transferring funds into our checking account would confuse their system. I am seeking reimbursement for overdraft fees, resulting from following the Chase Representatives advice. Also Im concerned regarding how the merchants will view my ability to pay their statements in the future due to the overdrafts, additionally how this may impact my credit score going forward.
Company Response:
State: CT
Zip: 067XX
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I have reached out to Chase bank in hopes to have the bank look into a XXXX payment that was sent to a parking company that did not provide me the service we agreed on. The bank took no action and no investigation with the merchants bank and deemed that no refund would be returned. I urge the bank to investigate further and see all the complaints against the parking company. The {$130.00} XXXX that I transferred to the XXXX XXXX XXXX XXXX should be returned as they did not hold up their side of our agreement and refuse to communicate with me. I have filed reports against them through the XXXX XXXX XXXX and through the parking association time and time again.
Company Response:
State: PA
Zip: 19149
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A