Date Received: 2023-09-14
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Initiated a {$4400.00} balance transfer on XX/XX/XXXX. Stated 0 % until XX/XX/XXXX. Paid a fee of {$220.00}. I received the account statement today showing the entire balance transfer amount and fee are due now. I called to ask why the promotion rate was removed. I was told that in the disclosure it states you can not use the card for purchases after the transfer. I advised the representative that was not shown in the disclosure I read. I asked to remove the balance transfer fee as it was no longer being honored. He tried and the request was declined. I asked him to submit feedback to his supervisor that the disclosure did not clearly state that the card could not be used for purchases. I expressed my discontent with the fact he couldn't help at all. I was misled and not informed of the full disclosure when I initiated the transfer. I don't want this to happen to anyone else.
Company Response:
State: KS
Zip: 66801
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: The wrongfully froze the credit without my knowledge or consent and are refusing to unfreeze and as of XXXX pst on hold without an answer
Company Response:
State: NV
Zip: 890XX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I received my Chase Sapphire CC in late XXXX with a {$5000.00} credit limit and made my first purchase on it on XX/XX/2023. I then used it while on vacation in XXXX. While on vacation, I made a partial payments of {$500.00} each that were reflected on my chase mobile app on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX or XXXX when I noticed my credit limit was not reflecting the payments made and received on my Chase transaction statements, even though my bank account showed the transactions as complete, I called Chase. I was told that the multiple smaller payments I made were suspicious and that is why they were not updating my credit limit. When I asked them why paying off my credit card in any amount was " suspicious, '' since this is what I have done on all my other cards before with no problem, they said they needed to make sure my financial institution had the funds. When I told them that made sense for the XX/XX/XXXX payment that I had just made, it did not make sense for the other 3 as the funds by that point had already been taken out of my bank account days before. They gave me the runaround and so did a supervisor who said it would take SIX DAYS for my account to reflect the payments. Now this was a Thursday before a weekend and they were telling me my payments made all the way back to XX/XX/XXXX would not be reflected until the following Tuesday or Wednesday on XX/XX/XXXX or XXXX. And they were right. My available credit and spending amount were updated almost a full week after calling them and over a week since my payments were taken out of my checking account. They essentially had taken my money from my bank account and held it for themselves for over 1-2 weeks. I have never heard of such a thing and their explanations did not make sense. When I first got the XXXX XXXX, XXXX XXXX was notorious for posting payments late, but it was never this bad ( they also have improved greatly since ). When I asked for further clarification and how this made any sense to them, they just said that was all they could for me. Now, this month I decided to pay off the entire credit card balance in one fell swoop/payment. I made over a {$4000.00} payment on XX/XX/XXXX. My personal checking account shows the transaction as complete and I no longer have those funds in my bank account as of XX/XX/XXXX. My Chase account shows the payment as complete on XX/XX/XXXX in my payment activity tab ; however, as of today XX/XX/XXXX, my available credit is still the same as it was before. I get it may take another day, but if the funds left my financial institution yesterday and were deposited with Chase, why in the world would it take them so many days to reflect that? Even on my last statement from Chase for XXXX, which I have attached, it states in tiny writing that if payment requests made electronically through their website of customer phone lines are received by XXXX XXXX, " we will credit your payment as of that day. '' Otherwise, they credit it as of the next calendar day. THAT IS NOT THE CASE HERE either for the first 4 payments made in XXXX, nor for this most recent one made on XXXX XXXX and completed on XXXX XXXX.
Company Response:
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XXXX XXXX Allowed my parents to XXXX over {$500000.00} from my custodian account ( s ) ( my parents called it my trust fund ) the accounts have been closed for years. XXXX XXXX stole {$2000.00} From my savings that account closed by the bank or branch without my consent or authorization JP Morgan Chase generates random charges to appear to appear as XXXX Transactions and monet dissappears without a transaction history and the numbers don't reconcile. JP Morgan Chase allowed my mother to XXXX {$40000.00} of my money to XXXX XXXX XXXX and then bought XXXX XXXX on my birthday XX/XX/XXXX XXXX assuming to cover up the XXXX XXXX XXXX XXXX
Company Response:
State: NV
Zip: 89135
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: A credit card was opened in my name at Chase bank. I never applied for a credit card and have never used Chase.
Company Response:
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: XX/XX/XXXX my account was compromised. I filed a claim disputing transactions which were marked unauthorized. This included rent payment, utility bills, car insurance and credit cards. I didn't do this. My claim was denied. However, in XXXX I received notification from Center for Medicare and Medicad that a 3rd party vendor had a data breach. The dates were end of XXXX and beginning of XXXX. I asked for my claim to be reopened. This request denied
Company Response:
State: TX
Zip: 78653
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: JPMCB AUTO XXXX was reflected as a late payment on my credit report in violation of Federal Law. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or JPMCB AUTO customer service representative. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Ive had an account with Chase bank in the form of a Chase Freedom Flex credit card. On XX/XX/2023, I got a notification that an application for a new account was approved, even though I never submitted an application or signed up for any new account. I was sent a new Chase Freedom Unlimited card in the mail shortly after and realized this account was negatively impacting my credit score. I called the bank on XX/XX/2023 to close the account and ask how this account was opened without my knowledge. The women on the phone was rude and said I most likely accidentally pressed a button or the like. This is impossible as I would have had to input more information in order to submit a credit card application. She said there was nothing she could do to remove the account from my credit report since they dont open accounts without a customer signing up. I never requested or signed up for this new card and now Im having to go through the process of closing and disputing it from my credit report.
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My credit report is still showing late payments on JPMCB - HOME LENDING XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Company Response:
State: CA
Zip: 90501
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/2023 I made a deposit of {$4000.00} which was from a local lender made out to me as a loan check that needed repaid. I opened up an account with Chase bank in good faith because I have friends who bank with them. The teller told me originally my funds would be held until the XXXX which came time for my check to clear and they placed an additional hold until the XXXX. My check still has not been made available to me and has collectively been in limbo for half a month now.
Company Response:
State: IN
Zip: 469XX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A