Date Received: 2023-10-05
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I hope this email finds you well. I am writing to file a formal complaint regarding a promotion offered by JPMorgan Chase Bank , N.A . I have exhausted all avenues of resolution with the bank, and I believe that my complaint warrants your intervention. On XX/XX/XXXX, I received an email from Chase with the subject line " Chase {$900.00} Offer, '' which advertised a promotion for the Chase Total Checking and Chase Savings accounts. The offer clearly stated that to be eligible, I need to : 1. Open a new Chase Total Checking account and set up direct deposit. 2. Open a new Chase Savings account, deposit a total of {$15000.00} or more in new money within 30 days of coupon enrollment, and maintain a {$15000.00} balance for 90 days from coupon enrollment. I meticulously followed all the requirements outlined in the offer. I initiated a direct deposit of {$500.00} twice a month, deposited {$15000.00} on the same day I opened both the Chase Total Checking and Chase Savings accounts, and have maintained the specified balance since then. However, despite meeting all the eligibility criteria, I have not received the promised {$900.00} reward. I reached out to Chase customer service. During the call, the agent informed me that I was not eligible for the offer because I was not a new customer. Contrary to this, the offer email explicitly stated, " Both offers are not available to those whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years. '' My last Chase account closure was in XXXX, which is more than 8 years ago, well outside the stipulated 3-year timeframe. The agent assured me that he would escalate this issue to the relevant team and that I would receive a response within 5 days. However, it has been more than 2 weeks, and I have not received any communication from Chase regarding this matter. It appears that Chase is not willing to honor their advertised promotion, which is both misleading and unfair. I kindly request your assistance in addressing this matter with JPMorgan Chase Bank , N.A . I believe that their refusal to honor the promotion as advertised is a violation of consumer rights and is causing undue financial hardship. I trust that the CFPB can help resolve this issue and ensure that consumers are treated fairly and transparently by financial institutions. I have attached a copy of the original offer email, as well as an email of both accounts open to support my complaint. Please let me know if there is any additional information required from my end to assist in the investigation of this matter. Thank you for your prompt attention to this issue, and I look forward to a resolution that upholds consumer rights and holds Chase accountable for their actions.
Company Response:
State: NY
Zip: 121XX
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Loan was paid off and title was received with no lien recorded. Loan was for {$40000.00} on XX/XX/23. A cease and desist letter was emailed to Chase Auto due to the harassment.
Company Response:
State: NY
Zip: 106XX
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I completed a balance transfer application for XXXX Chase Visa through XXXX XXXX XXXX. The fine print advised there was no guarantee of approval for the transfer or amount requested. Within a couple of days, the card showed up on my chase app. There was no email or account notification of the balance transfer in process. The XXXX account did not have an alert. I checked on several days. Believing i was only approved for the credit card which showed {$0.00} due, I reviewed what balance transfer offers were available. My XXXX Chase Visa offered a balance transfer at a 1.99 %. Still a good rate I applied. The XXXX Chase account processed a {$12000.00} balance transfer on XXXX. Today I see the XXXX Chase card processed a balance transfer with no communication or alerts. Now I have 2 balance transfer fees. I called Chase Visa. They advised there was nothing they could do. I requested to speak to a manager and was told it was my fault and should have assumed the XXXX Chase card would transfer the balance. It did not matter if communication was not provided. The man refused to listen to me and hung up on me. I called XXXX for the XXXX Chase card. They assisted with the XXXX card as well. They are somehow tied together.
Company Response:
State: WI
Zip: 54729
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I received the attached letter which again makes no sense whatsoever. I see this account is still not handled. I have gone round and round with you for years on this account and this is very wrong. I still have the original letter you sent advising you researched this account and found it does not belong to me and now you are changing your mind again? This has gone back and forth so many times. We never authorized the payments from an account ending in XXXX and the account was made and accessed by the person who opened and accessed this account. The hospital and doctor records we sent you confirmed we had no way to open an account in XX/XX/XXXX as we were XXXX and XXXX for the entire period of XXXX XXXX-XXXX XXXX You are harassing and violating many laws and regulations against a XXXX military family. This is very wrong and the effort you put into helping me is awful. I have tried time and time again to get help from your offices. XXXX and XXXX XXXX From : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX To : Chase CreditCardExecutiveOffice XXXX ; XXXX XXXX Subject : Re : Message from Chase Executive Office there should be a huge refund coming back to me for all the overpayments and charges not belonging to me. we were already told this was handled more than once and then sent multiple letters advising you removed it from our credit record and we are not responsible and then you continue this and it's not handled. This case needs to be closed in full and handled. From : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX To : Chase CreditCardExecutiveOffice XXXX ; XXXX XXXX Subject : Fw : Message from Chase Executive Office Still receiving and getting phone calls this is not right This should be fixed and handled by now. From : XXXX XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX To : Chase CreditCardExecutiveOffice XXXX Subject : Re : Message from Chase Executive Office XXXX Thank yo for getting back to me Im hoping you will be the final one to close this out and resolve this in full. Im still getting calls an emails stating payments due and passed due. This is incorrect. From : Chase CreditCardExecutiveOffice XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Subject : Message from Chase Executive Office Dear XXXX XXXX : Im writing to let you know I am still researching your concern. I will contact you once it is complete. If you have questions in the meantime, I can be reached at XXXX, extension XXXX. Operator relay calls are accepted. I am available Monday through Friday from XXXX XXXX to XXXX XXXX. Eastern Time. Thank you for your patience. Sincerely, XXXX Chase Credit Card Executive Office XXXX XXXX Fax ; its free from any Chase branch Chase.com Reference Number : XXXX This message is confidential and subject to terms at : https : //www.jpmorgan.com/emaildisclaimer including on confidential, privileged or legal entity information, malicious content and monitoring of electronic messages. If you are not the intended recipient, please delete this message and notify the sender immediately. Any unauthorized use is strictly prohibited.
Company Response:
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: I have been using an investment platform to wire money for trading. Up to this point, I have had no issues. But, on XX/XX/2023, I wired money to this recipient, XXXX XXXX, to deposit into my investment account. A week later, the platform told me that the transaction did not complete and that I needed to go back to my bank ( JP Morgan Chase ) and request for a wire recall. I have filed a case with Chase and told them I was scammed. This is a fraudulent activity because the recipient stole my money. When Chase contacted their bank, XXXX XXXX XXXXXXXX XXXX their bank said they were unable to return the funds. They said that if this is fraud, that Chase needed to send over a Hold Harmless Letter. I spoke with my bank and asked them to send that letter but their Claims department rejected my claim and said that because I authorized the original wire transfer, that this does not fall into their definition of " fraud '' and therefore they would not be able to send the hold harmless letter on my behalf. Meanwhile, the Chase wire research team is continue to reach out to that other bank to ask for a recall. At this point, I don't know what else to do. My bank is not cooperating and helping me and I've lost a significant amount of money that I don't think can be recovered. Please help me.
Company Response:
State: CA
Zip: 94611
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
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 Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy '', 15 U.S.C. 1681 section 604 A section 2 " It also states a consumer reporting agency can not refurnish an account without my written instructions ". Under 15 U.S.C. 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Company Response:
State: CA
Zip: 93906
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I Purchased a clothing from a online app on XX/XX/XXXX & didnt receive my package so I tried to reach out to the the merchant, told the merchant I didnt receive my package then I contact the bank & requested a claim for a refund on XX/XX/XXXX I also reached out the next day on XX/XX/XXXX & told the merchant I havent received anything. Somehow, Today on XX/XX/XXXX at XXXX I have an overdraft from the same merchant for {$220.00} in a reversal claim when I still havent received anything from what I purchased. I will like to receive some help on how I can fix this
Company Response:
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My card was stolen on XX/XX/XXXX when my car was broken into while i slept. When i noticed unauthorized transactions i called chase immediately. There was one big purchase at a XXXX and also an atm transaction. I made the claim and continued to follow up a few days following. I got a provisional credit for one of the transactions but it was soon reversed. I asked for the documents of the things they used in order to deny my claim and NEVER RECEIVED THEM. Im sure they could have gotten access to cameras to show that it wasnt me. My account was in the negative and has now been closed due to the time frame. I recently discovered about the CFPB and am submitting this in hopes of getting this resolved.
Company Response:
State: TX
Zip: 76133
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
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: I never order 2 credit card. Someone use my theft id Phone XXXX XXXX XXXX JPMCB card -XXXX XXXX XXXX Phone XXXX XXXX XXXX Amazon card I dont have credit card number with me. Dont any one advantage of me They stole my ssn card, address That fraudulent transaction Thank you
Company Response:
State: MD
Zip: 21133
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: A guy bought an item from me and paid me through check. I deposited the check online and Chase accepted it. so, I proceeded with selling the item. After 4 days, Chase has withdrawn the money from my account because that guy closed his account!! I trusted Chase and sold my item after successfully depositing the money. It's not my problem if the guy turned out to be a scammer and closed his account. Chase shouldn't take the money back from its customers. after depositing the money! I called them, but they said its not their problem! Can you help?
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A