Date Received: 2023-10-29
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Complaint Date : XX/XX/2023 Subject : JPMorgan Chase Bank XXXX XXXX ( hereinafter, " Chase '' ) Re : Received Promotional Offer for Pre-Approved Credit Card After First Credit Card Application was Denied. I. XX/XX/2023 : XXXXXXXX XXXX XXXX XXXX I am a Chase checking account holder. On XX/XX/2023, I applied for a Chase Freedom credit card through my online account. I submitted the application with information regarding my income, XXXX ID, and employment status. Chase did not immediately provide a decision. Instead, Chase performed a hard inquiry into my creditworthiness, and on XX/XX/2023, I received an electronic letter in my Chase online account that my application was denied. Although my XXXX XXXX was XXXX and my payment history was exceptional, the reasons given for the denial were : " high debt relative to income, '' " credit card balances are high compared to the age of the accounts, '' " insufficient revolving account information, '' and " total available credit on credit cards is too low. '' XXXX. XX/XX/2023 : Promotional Offer and Second Credit Card Application Just XXXX months after my credit card application was denied, I received a promotional offer from Chase on XX/XX/2023, through a message on my online checking account, that I was pre-approved for a Chase Freedom XXXX credit card. Because this was the first time that I received a pre-approved offer this year, I was lead to believe that I was more likely to qualify for a Chase credit card due to improvements in my financial circumstances. Since my first credit card application in XX/XX/2023, I have a full-time job with a salary that is higher than the median household income in my state of residence. My payment history was also exceptional, but my first student loan repayment was on the horizon. I accepted Chase 's promotional offer, and I applied for the credit card with information regarding my updated gross income and employment status. Again, Chase did not immediately render a decision but immediately conducted a hard inquiry into my creditworthiness. On XX/XX/2023, I received an electronic letter in my Chase online account with the same reasons for denying my credit card application as were provided in the first rejection letter. But Chase included one additional reason : " Number of requests for new credit in the past 12 months. '' XXXX. Conclusion : Request for XXXX Chase 's promotional offer for a pre-approved credit card for which I did not qualify and for which it had reason to believe that I did not qualify after the denial of my first credit card application a mere XXXX months ago, was deceptive. The offer was personalized to my account and mislead me, a Chase customer, to believe that I was creditworthy for the Chase Freedom XXXX credit card. Furthermore, the promotional offer for a pre-approved credit card induced me to submit a second credit card application only XXXX months after the denial of my first credit card application. Although Chase had access to my credit report from its first hard inquiry on XX/XX/XXXX, Chase conducted a second hard inquiry a mere XXXX months later and then provided substantially the same reasons for denying my credit card application. The denial reasons that Chase offered in the second letter strongly suggest that Chase had reason to know that I did not qualify for the credit card for which I received a promotional pre-approval offer. As a result of Chase 's deceptive, personalized marketing of the Chase Freedom XXXX credit card, Chase 's offer induced me to apply for a second credit card and a second hard inquiry on my account within XXXX months of the first inquiry has adversely affected my credit score ( e.g., between the first inquiry and the second inquiry, my credit score dropped by XXXX points ). Because my second application for a credit card was based on Chase 's deceptive promotional offer a mere XXXX months after denying my first credit card application, I am requesting that the second hard inquiry be removed from my credit report.
Company Response:
State: NY
Zip: 11228
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Problem with customer service
Subissue:
Consumer Complaint: I went to my local Chase bank to open a private client account I attempted to open with my international bill of exchange security they told me that they never heard of it and could not accept it.
Company Response:
State: TX
Zip: 75094
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I have been charged for 2 pay over time transactions 7 times instead of just the 6 I should have been. I am only looking at the monthly principal because I got credit for the monthly fees already. XXXX XXXX XXXX from XXXX through XXXX starting on XX/XX/23. XXXX XXXX from XXXX through XXXX starting on XX/XX/23. The last XXXX XXXX charge was only for XXXX. Looking for XXXX credit for interest charged on XXXX bill because I am not paying these charges. Total XXXX. I have understood by a few supervisors I spoke to, but then my claim was deniedXXXX
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Have many unauthorized inquiries. I never consented for my credit to be pulled
Company Response:
State: IL
Zip: 60632
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Dear XXXX I hope this message finds you well. I am writing to formally dispute the denial of my recent claim. Regarding a partial refund for the authorized transaction on my bank account. The denial letter dated XX/XX/2023 stated that my claim was denied due to the claim being authorized. I would like to provide additional information to support my claim and request a review of the decision. The transaction in question, which occurred in early XXXXXX/XX/2023, was authorized by me, and I believe it is a case of miscommunication. I stated that my transaction was authorized but not fully rendered. I requested a partial refund in this situation. I contacted the merchant on XX/XX/2023 and requested a refund and was told it was being investigated. I continued to hold out hope but failed and finally decided to file a dispute with the bank. I kindly request that you review my case thoroughly and reconsider the denial of my claim. The transaction has caused significant financial distress, and I am counting on your support to resolve this matter promptly. Please let me know the expected timeline for this review and any additional information or documents you XXXX require from me. I appreciate your attention to this matter and look forward to a prompt resolution. You can reach me at XXXX or XXXX if you require any further information. Thank you for your prompt assistance. Sincerely, XXXX XXXX
Company Response:
State: TX
Zip: 75208
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: If this is a duplicate inquiry that means you never sent me a hard copy by XXXX Postal Service of your response as requested in XXXX of XXXX you sent a cashier 's check payable to XXXX XXXX for {$2200.00} Did the pay on that check instruct you to place a stop payment on it yes or no Send a copy of the letter notice message you received from XXXX XXXX or any other person telling you to stop payment on his check for {$2200.00} send a copy front and back of the check showing that XXXX XXXX or any other individual negotiated that check
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I originally submitted a trip delay insurance reimbursement request to my Chase United Visa Credit card at the end of XXXX for a trip delay for my family of 4 to XXXX at the end of XXXX ( before 60 days ) when we were stranded in XXXX instead. We had to purchase two hotel rooms in XXXX, couldn't cancel our hotel in XXXX, purchase food in XXXX for the day that we were there, and then had to purchase four train tickets the next morning to XXXX because there were no available flights. This was during the XXXX XXXX XXXX XXXX XXXX. Our credit card, which was used to purchase all four tickets, has trip delay insurance coverage, which I read all the details about, and we are entitled to reimbursement for our four travelers for a total of {$1300.00}. I have provided mountains of documentation, including all receipts for all expenses and proof of purchase via credit card statements. The credit card insurance provider, for 2+ months now, keeps waiting 1-2 weeks each time something is submitted, and then they ask for another document each time stating something that was previously not requested has not been provided. This has happened for at least four iterations In the last one, they asked for a document that I already provided. It has become clear that they are purposely delaying and making it as difficult as possible in the hope that I will give up.
Company Response:
State: NC
Zip: 27519
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: For the last year I have had debit card and ACH fraud on my checking account that I have held with Chase Bank for at least six years or more. I have had little to no assistance in obtaining my stolen funds back or even getting the disputes filed. I constantly get passed from one representative to another sometimes even being a supervisor and them rudely hanging up during my explanation of why I am calling or what I am trying to have them help me with. They don't return calls when the call is " dropped '' and when I call back I have to reexplain all over again to be over talked or without notice transferred, or told to call back because the systems are acting up. Bottom line nothing is being done to help me file claims or get my money and now I am being told even though there is record of cards canceled due to fraud, that basically I will not get my money because its past the 60 days that they can do anything per Chase guidelines. Chase claims department is well aware of an unrecognized phone number being on my account. I noticed this when I wasn't able to receive a verification code to my phone. I called the bank and the agent instead of looking into this further knowing that I have had in the past and recently fraud on my account they just changed the number back to mine and every time I address this when trying to get my stolen funds back they just brush it off like its not possibly an important factor to my account fraud. Even after this change they still did not have my phone number verified and I still did not receive any alerts to any fraudulent activity on my account that continued to take place. So I am still fighting ongoing fraud that seems to never stop. Transactions I have been fighting to get refunded to me as they were not authorized and I gained no benefits from them. Starting current to past transactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is just a small portion of the fraud that has taken place on my account, I still have so many items that I was never helped with filing and I need help because the representatives just keep telling me different things. They start to take my disputes and then the line just drops. This is way to much to do in one sitting and this site doesnt allow me to save my progress. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: AZ
Zip: 85546
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Chase Banks keeps running my credit without my permission. Hard inquiries keep popping up On my credit. The newest one was today.
Company Response:
State: CO
Zip: 80920
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My online account was locked due to suspicious activity, and I was given a number ( XXXX ) to call to unlock it. When I called, I was told the wait time was over an hour. It is unfair to expect customers to spend hours on hold, without knowing if the representative will be able to solve the problem, in order to access their own money. Many other people have reporting having this problem with Chase for years : https : //www.reddit.com/r/Chase/comments/foygeh/account_locked_for_suspicious_activity/
Company Response:
State: NY
Zip: 11206
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A