Date Received: 2023-11-17
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: At the end of XXXX, ( XX/XX/XXXX ) in good faith, a CHASE FREEDOM card was applied for. On XX/XX/XXXX, a denial letter was furnished electronically, which depicted the reasons for the denial as follows : Serious delinquency, public record, or collection item Balances on revolving accounts are too high compared to credit limits Proportion of loan balances to loan amounts is too high Too few accounts are currently paid as agreed Regardless of denial, I have a RIGHT to credit, and withholding access to my securities is securities fraud and a direct violation of the Equal Credit Opportunity Act and the Consumer Credit Protection Act, as I am the true originator of the credit and the creditor as defined in 15 USC 1602 ( g ). The reconsideration line was contacted ( XX/XX/XXXXXXXX ), a series of questions ( income, taxable income, and questions about my credit report ) were asked and the same denial reason came back. The call was escalated to a mid-level manager ( Manager XXXX ), who argued that the consumers are NOT the creditors. When asked which laws manager XXXX followed to determine that the consumers were not the creditors, she stated she followed Chase 's policies and by-laws. Chase, is bound and must follow laws of commerce, USC, SEC Exchange, etc., or there will be legal implications. Manager XXXX stated that it was okay and that she could do nothing else besides file a complaint. Another manager above her was requested but ( as of the complaint ), no contact was made. CHASE denied my application, and based on discriminatory and inaccurate information furnished on the " credit report '' obtained from XXXX and violated my consumer rights. A request was also made, if the credit is going to be denied to retract ALL information from the application to prevent fraudulent securitization, and that request was also denied. Based on the aforementioned, Chase has violated my consumer rights and is liable for the damages.
Company Response:
State: NY
Zip: 11422
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have two types of promotional finance offers on my credit card : Amazon.com " Equal Pay '' for no interest ( purchases made on Amazon.com for which I forgo the 5 % Amazon XXXX purchase credit to obtain longer payment terms ), and " MyChasePlan '' offers, which are equal pay plus a monthly fee that is, essentially, imputed interest. On XX/XX/XXXX, I had balances on both types of plans. I called to obtain the SPECIFIC amount necessary to pay off ALL of the " MyChasePlan '' outstanding balances, a feature that we are assured in large letters will be permitted at any time without penalty when setting these up. On XX/XX/XXXX, the Chase representative told me that I had to first pay off all of my " 0 % interest Amazon Equal Pay '' balances ; I was unhappy about losing the extended payment period on these, but figured it was my fault for not reading the fine print before setting up the MyChasePlan agreements. So I paid the entire total amount I was told was necessary on that day to pay off all of the outstanding amounts. I just received the next monthly statement for this account. To my surprise, I discovered that they did NOT allocate the payments as I was told they would. My account still shows {$1800.00} in 4 outstanding " MyChase '' plans, with a total of $ XXXX in monthly fees until paid off. However, after that conversation and payment, and in reliance the assurance from Chase that this was the amount necessary to pay off ALL of my plans, I chose to purchase additional items from Amazon, foregoing the 5 % XXXX credit I could have received if I had purchased them outright. Chase says today, XX/XX/XXXX, that its representative gave me the wrong information on XX/XX/XXXX. Today I was told that the only way to pay off the MyChasePlan balances on XXXX XX/XX/XXXX would have been to pay off the ENTIRE outstanding balance on the most recent previous statement. Because I relied on the incorrect information their representative gave me, I am stuck with either losing {$120.00} in Amazon credits I could have received on my late XXXX XXXX purchases if I had not chosen extended payment plans OR paying the monthly MyChase fees on the remaining MyChase plans until they are paid off ( a total of {$220.00} ). I can not find anything, on the Chase site or otherwise, that says I have to pay off the ENTIRE STATEMENT BALANCE to pay off all outstanding MyChasePlan offers, so relying on their representative 's statement was a reasonable action. Please help make this right.
Company Response:
State: CA
Zip: 93291
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2021 I noticed a fraudulent charge on my online Amazon/Chase account. I immediately called Chase and notified them. I have a confirmation letter from them, sent XX/XX/2021, saying they would look into it and send me a new card. I have been fighting this charge since that date. I get billed every month and every month I send in an Identity Theft reply and ask them to remove the charge. This month they sent me a letter ( attached ) saying, and I quote, " You notified us that this transaction is valid. '' I have never notified them of anything except that the charge is invalid. I have a file on FTC and have notified all the credit reporting agencies. What can I do now.
Company Response:
State: MT
Zip: 599XX
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On my Chase Sapphire Reserve card there was a promotion offering to receive a 30 % bonus when transferring my Chase Ultimate Rewards points to XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I transferred XXXX points on XX/XX/XXXX, the start of the promo, but never recieves the XXXX bonus points from that specific transaction in my XXXX XXXX account. Per terms of the promotion : Receive a 30 % bonus when you transfer Ultimate Rewards points to XXXX XXXX XXXX XXXX. The promotion is valid through XX/XX/2023, at XXXX XXXX. Transfers may take up to XXXX days. XXXX XXXX explicitly are stating they are not responsible for the XXXX bonus points from the 30 % promotion and that XXXX points should be from Chase. Chase insisted to contact XXXX XXXX regarding my missing points.
Company Response:
State: NY
Zip: 10710
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I had a Chase XXXX card for a few years. I called to close the account in XXXX. They told me the account was closed, and I destroyed the card. In XXXX they charged me an annual fee, and they just withdrew the fee amount from my checking account today. I called to complain. The customer service rep said she could not explain why the account was not closed in XXXX, though she saw that I requested to close it. She said there was no way to get the annual fee money refunded to me before XXXX. She said it would be refunded to my credit card account ( which is no longer in use ) in 2 billing cycles. I would have to periodically check the website to see if the refund posted, then file special paperwork with Chase to request that the balance in my account be sent by check to my house. Feels like a good system to skim extra fees off customers who aren't willing to put in extraordinary efforts to protect themselves and their money. I'm not sure if it's a pattern, but reporting in case it is.
Company Response:
State: TX
Zip: 78741
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: For the pass three years XXXX other XXXX XXXX including myself open accounts with chase along with XXXX XXXX XXXX apart of the XXXX XXXX to see why XXXX XXXX accounts are quick to be closed for maybe a returned item, low deposit and denied a line of credit or credit cards. Where as the XXXX XXXX XXXX have had over the pass three years numerous of return item 's and accounts are still open and was issued a XXXX line of credit. Whereas, there have been numerous times small business XXXX XXXX tries ti get a line of credit and denied just because the XXXX of their skin. There are different dates that our accounts have been closed and denied and sent letters of rejection
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have an auto loan with Chase/JP Morgan . They are reporting one of my payments as late to credit reporting bureaus which has affected my credit score drastically by almost XXXX points. This is an inaccurate reporting that I have tried to rectify by contacting both XXXX and Chase numerous times. Despite giving them an accounting of the late payment not being due to my actions but to the operations of Chase, they have not done anything hence why I am submitting this complaint. Please find below the details of the incident. I have an auto-payment through Chase. This is under my maiden name still, XXXX. I've had this account with them since XXXX with no issues of payment until around XX/XX/XXXX. My auto-pay was unlinked due to 'insufficient funds '. I attempted to make a one-time payment through Chases online portal, however, there was no place to do so. I called their auto-services support so I could make the account current as quickly as possible. I was routed to their automated system, provided payment details, and received confirmation that payment was received. A few days later, I did not the see payment taken out of my account so I called support again, this time making sure to speak to a person. I provided the exact same account information, the person entered that information and told me everything was good and my account was current. Again, I did not see a payment go through so I called and spoke to another person and provided the exact same information as I had provided the previous two times. This time the payment did go through and my account has been current since that time. I provided the exact same banking information three times. According to chase the first two times it didn't work is because the account was 'not found '. If that was the case, it was due to their personnel 's entry or due to a connection issue with the bank. I asked the person specifically what number they needed to make the payment go through and provided that number which included the account number and its prefix. I confirmed with my bank that's the correct number to share ( see attachment ). Additionally, I tried multiple times to reconnect to auto-pay through their online portal but there was not a way to do so with my particular account. After a few weeks had passed, the option did appear again and I was able to connect my auto-pay which has had no issues since that time. I bank with XXXX XXXX who uses XXXX for payment processing, which has never been an issue anywhere else. I've used this account for every single online payment including mortgages, HOAs, etc. and never encountered an issue. If Chase shows a 'late payment ' that is due to their own personnel, operations, and online portal not because I was truly late with my payment. I have called Chase many times spending hours on the phone to explain the exact information above to give them a chance to rectify the information in their reporting. I was told after an hour on the phone with Chase it was being investigated and I would be contacted but never heard back from them. I also opened two disputes with XXXX who seemed to do very little investigation and told me they are going strictly off of what Chase is reporting.
Company Response:
State: CA
Zip: 92627
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: please see below complain open with the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/2023 unfortunately I just received the news from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX that the federal so because of that I'm opening a new complaint with CFPB Hi All, Good morning I'm reaching out to the CEO of the most recognized bank in the United States copying on this email are the New York State Regulators of banking, on or about XX/XX/XXXX all of my Chase bank accounts and credit cards was restricted without knowing anything without being informed by XXXX not by mail not by email not by phone call on XX/XX/XXXX I realized my accounts are frozen I tried to use one of my accounts for a transaction and I was unable I called the customer service of chase after verifying my information they told me that my accounts are restricted and closed reason that customer is deceased what I am alive and well and the customer service representative told me I have to go into a Chase Bank to identify that I'm alive this is unbelievable how Chase has the power to degrade a person restricting somebody's account without verifying if the person is actually deceased meanwhile when my account was restricted and closed one of my mortgage payments to XXXXXXXX XXXX was not honored because of the results was that I was late on my mortgage payment and XXXX XXXX reported on my credit report as a late payment since that day I am unable to obtain any mortgages or any credit from any creditor in the United States resulting in significant damages on me on my business and everything around after seeing that I am basically not able to obtain any credit from any creditor in the United States I called up XXXX XXXX asking if they can please remove the late fee because it is not my fault why it was late the answer from XXXX XXXX XXXX was you were late and if you have any issue bring it up to Chase Bank who didn't honor the payment so without any other choice I went down to the chase branch in XXXX, NY spoke with the branch manager explained in the situation and he told me that he is going to opened up a case with the XXXX branch of Chase and someone will reach out to me till this day no one of that case reached out to me so I went down on XX/XX/2023 to the same Branch again and ask the same branch XXXX what happened with my case the answer was they closed it without a reason why they closed it he told me he's going to open a new case he called on the phone someone and he opened a new case he finally hand me a yellow sticky note with a case number XXXX add a phone number of an XXXX branch with an extension XXXX XXXX XXXX and told me someone from the executive office with the name XXXX will contact me waiting a few days and no one calls me after my business is on a freeze because my credit is basically ruined I picked up the phone and called up the phone number with the extension and a representative with the name XXXX picked up the phone I explained her the case we discuss the case in detail and she told me that she's going to get back to me latest by Monday XX/XX/2023 unfortunately I did not hear back from her on XX/XX/XXXX so I picked up the phone and I called her and unfortunately she had phone problems for the past 3 days Chase company doesn't have the money to provide them with phones I left her XXXX voicemails and I called back the executive number and I asked to talk to her manager or supervisor they provide me a name XXXX and XXXX representative told me that she will call me back by the end of the business day that was on Monday it is already Wednesday XX/XX/2023 I still did not receive a phone call back from her I am sending this email to the executives of XXXX XXXX Chase Bank and the state of New York XXXX XXXX Chase Bank can ruin someone's Financial life without giving any type of explanation we are in a XXXX XXXX if my voice on this email will go unanswered I will take legal action in order to recove hundreds of thousands of dollars what I had lost in the last couple of months,
Company Response:
State: NY
Zip: 10901
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
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 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 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: IL
Zip: 625XX
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Received marketing email approximately XX/XX/2023 that stated if I share a link with my friends and family, and they get approved through this link, I obtain XXXX bonus points. My mother-in-law used this link, was approved, used the card, and has already received her bonus points. I called on this multiple times and the requirements kept changing ( must use car, must be billed, etc. ). I closed my account on XX/XX/2023 because they kept saying they were going to escalate this issue ( three separate calls ) but the marketing department never followed up on the misleading advertisement and provided the XXXX points earned.
Company Response:
State: WV
Zip: 255XX
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A