Date Received: 2022-11-10
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Amazon refuses to return money on Amazon Credit card as agreed. Because of misleading promises, of rewards, reimbursement of Money of not satisfied I a purchased Bed The product is known as the XXXXXXXX XXXX XXXX XXXX XXXX XXXX for {$470.00}. delivered on XXXX. I called Amazon on XXXX, I needed to return the item as all the parts for the bed did not come and only half the bed, was delivered. At Amazon Rep direction was their policy was for me to return to bed, I would receive a full refund because it was purchased on Amazon credit card. I then could reorder the bed and get the product I wanted. The reimbursement policy was it would take 2-7 upon Amazon acknowledgement of receipt of return bed to receive the full reimbursement. After 7 days on XX/XX/XXXX I did not receive any refund, I called Amazon again and the Rep. then said it might take another 7 days or 14 days because the issue went to a special department. After 14 days on XX/XX/XXXX I called Amazon after not receiving a refund again and they told me it would now take up to additional 30 days and I might not get the money back as promised. This was misleading. I did not get the product or my money reimbursed. I just want the Product or the return it the money under my Amazon credit card as promised.
Company Response:
State: CA
Zip: 92501
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: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: We have been working with a Chase Bank mortgage lender for several months starting on XX/XX/XXXX, via email correspondence. After going back and forth on numbers for investment properties, we finally found and got our offer accepted for a property on XX/XX/XXXX. Before this, we have gotten a few conditional approvals for potential properties we were interested in that were given to us by our mortgage lender. Before we put in an offer on this offer accepted property, we asked our mortgage lender for a conditional approval to send over with our offer to show we are serious buyers. Our offer got accepted, and we began to move forward in the process. We were asked to pay a {$500.00} application fee that will be used to pay for the appraisal and our application was submitted to underwriting. Once in underwriting, the underwriter asked our mortgage lender to get a contract of employment for my husband 's job. We sent over the contract but were not told why we needed to submit it. Everything needed in terms of documentation, proof of income, XXXX XXXX, etc. was sufficient enough to get a loan and we were qualified to get a mortgage based on all of the qualifications on the conditional approval. Last minute in underwriting, I got a call from the mortgage lender that underwriting denied our application because my husband did not have XXXX future years of continuous employment and they were not comfortable loaning to us. We moved on to find another lender, and no other lender had issues with this. We were granted a loan from another lender a few days later. We were not given back our {$500.00} because they said the appraisal was already completed. Our mortgage lender never let me know the date when he requested this appraisal or that the appraisal was already completed. He even asked us if the appraisal was completed when we asked for a refund, and did not know himself it was completed until he sent us an email later with the appraisal. I gave confirmation that he could use my Chase credit card on file for the appraisal, but still did not let me know when ordered or finished. When looking back at this situation, we believe were discriminated against because of race and age. Being private clients of Chase, and having all the qualifications to receive a loan, we were surprised that we still got denied and that they would not want to work with us at all to complete the loan. The mortgage lender himself was also surprised and never brought up throughout the process that our loan would be denied. He also asked for an exception that the underwriter denied. At the beginning of our application process, the mortgage lender sent me an email on XX/XX/XXXX, asking " What is yours and -s ethnicity. It is needed for the application for fair lending purposes. '' We sent this information to him, not knowing this information was optional to disclose. To put this into context, we are a young XXXX couple. My husband is also a professional XXXX with a contract ending in XXXX. We have met all of the qualifications to receive a loan, but felt that underwriting was trying to find a way to deny us. We were able to get the money back if the application was denied, however, we were
Company Response:
State: CA
Zip: 92807
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: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Chase XXXX XXXX XXXX De XXXX reference # on the letter is XXXX I received a letter about a delinquency or other derogatory relationship with chase bank . I do not think I have ever had a bad relationship with this bank. I do not think I have ever had an account with this bank. My husband recently passed away. He had an account with this bank which I paid back. Over several conversation I had with this bank I had difficulty paying back the amount owed. The amount of money was not large. The problem must be about something else with the transaction. I would like to know why this complaint has been held against me. I do not want this to affect my credit score. As a recent widow I feel that I should have a better explanation. Thank You XXXX XXXX XXXX
Company Response:
State: MD
Zip: 208XX
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: Managing an account
Subissue: Cashing a check
Consumer Complaint: Deposited XXXX checks this week, they put them both on a 10 day hold. I have a perfect record with the bank and have excellent credit, why does the bank have the right to hold the checks for 10 days? Shouldn't there be a limit?
Company Response:
State: CA
Zip: 93446
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Currently have an account with JPMorgan Chase Bank , N.A . and someone has been able to withdraw or change account balance and I've had to call bank to try get bal. adjusted because it wasn't correct and it's always been forigen person answer phone. I've never added anyone to my account but the bank current is now stating throw automative system " I have limited access to my checking account '' ; which nobody else should have access and I do not have graudian or conservator ( not married ). But identified money missing out checking account. Chase also stop my online banking and said I didn't respond to email. But, I do not necessarily trust cellphone to conduct business from because of previous issues with calling and getting forigen person answering or someone answer call and hangup quickly, like someone using my cellphone other than myself. I could hear neighbor conversation across street when checking balance from cellphone and saying we rich and I can take a XXXX. Do not know neighbors, not sure I could hear that conversation via my phone or them know my checking balance ( not sure if phone has illegally be colon, but someone illegal used my checking account and observe neighbors taking XXXX ). Also, mail carrier has been delivering mail, depending on carrier to wrong address and I haven't received statements such as checking, utility statement and address deliberately change in websites to next door neighbors..which is fraud. See attachment and where mail has gone and to other neighbors home, my home is the XXXX XXXX XXXX XXXX XXXX.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit reporting act this 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 it 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 under an open end consumer credit plan as late for any purpose.
Company Response:
State: IN
Zip: 46835
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: On XX/XX/2022 I set up an international transfer to my account in the XXXX. The amount in USD was XXXX. According to Chase the amount to be transferred was XXXX GBP. They have held up this transfer for XXXX hours for review and now, according to XXXX currency exchange XX/XX/2022 this amount should be XXXX GBP. Although I realize that Chase is a business, they need to be a lot more transparent with their transfer fees, exchange rates and hidden costs. They are also holding up my transfer for 'review. ' Again, with absolutely no explanation as to why and I will not receive the adjusted amount for today 's exchange rate.
Company Response:
State: IL
Zip: 60061
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a credit card with JP Morgan Chase ( Southwest Rewards Card ). The card is connected to my XXXX account that I use to make payments, for example, to my XXXX XXXX XXXXXXXX XXXX for pizza parties, teacher gifts and similar. On XX/XX/2021 I made a {$10.00} contribution to the XXXX XXXX via XXXX to contribute to the cost of treats for the XXXX party. When I checked my chase credit card statement, in addition to the {$10.00} payment and the normal 3 % fee for using a credit card, I had been charged an additional {$10.00} " XXXX XXXX '' and {$0.00} " cash advance interest '' by Chase. I called Chase and they informed me that XXXX payments were now treated as " cash advances '' on my credit card. They confirmed this was true, although no cash was actually ever advanced. This is not the type of transaction that I would expect to be subject to a steep cash advance fee and cash advance interest. I expressed my concern and surprise that this had not been disclosed in advance so that I could have made an informed decision as to how to transfer the funds. Chase advised that it was XXXX that caused the transaction to be treated as a cash advance, and that Chase did not have any obligation to disclose that a {$10.00} XXXX payment would be subject to Chase 's ( not XXXX 's ) additional {$10.00} cash advance fee plus interest at 28 %. I feel like I agreed to the 3 % fee for using a credit card to make a XXXX payment. That fee was disclosed and I understood it. I did not, however, at any point have a reasonable warning, disclosure or opportunity to consider the additional {$10.00} cash advance fee with interest. This seems like an incredibly deceptive and abusive practice employed by Chase to charge XXXX separate fees ( 3 % for using a credit card, {$10.00} cash advance fee and {$0.00} interest at an APR of 28 % ) in connection with a single transaction where I intended to send {$10.00} to a XXXX XXXX
Company Response:
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I went on Chase.com to open a Business checking account for my mortgage broker business and I was denied the account opening when I entered the XXXX XXXX XXXX and I was asked to visit a branch location for opening the account. Today morning at XXXX I went to a Chase Bank branch on XXXX XXXX XXXX XXXX XXXX and met with their banker XXXX XXXX to open the business checking account and provided him the XXXX and the certificate of formation from the State of Texas. When XXXX entered all the information and then entered the XXXX XXXX XXXXXXXX he got the same message on his screen that Chase will not open by business checking account due to that XXXX XXXX. As per the anti trust laws this is stifling competition and for that purpose CFPB needs to investigate Chase bank to stop the practice of refusing opening accounts for Mortgage brokers to reduce competition in the mortgage industry. This is illegal.
Company Response:
State: TX
Zip: 77429
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Received email promotion from Chase on XX/XX/2022 Get {$600.00} for both ( an extra {$100.00} bonus ) Chase Total Checking + Chase SavingsSM Open a new Chase Total Checking and a new Chase SavingsSM account and get {$600.00} when you open both at the same time and complete qualifying activities. Opened up both checking and saving account online and completed the requirement. but only received {$300.00} for the checking account. Contacted the bank multiple times this week, every time they just asked me to contact another department and not able to provide any resolutions.
Company Response:
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A