Date Received: 2023-09-10
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Chase did not honor the reward terms for its " XXXX XXXX Boundless Credit Card From Chase '' and refused to explain the decision or collaborate with the customer to resolve the issue. I enrolled and started using Chase 's XXXX XXXX XXXX Credit Card in XX/XX/XXXX. The credit card marketed " Earn XXXX points for every {$1.00} spent at hotels participating in XXXX XXXX '' ( see Chase XXXX XXXXXXXX XXXX XXXX ). However, in reality, Chase only provided XXXX points per {$1.00} spent for my XXXX XXXX hotel stays from XXXX to XX/XX/XXXX ( see XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). The hotels spent were at XXXX XXXX and XXXX XXXX in XXXX, and were booked through XXXX official mobile app ( see XXXX XXXX XXXX and invoice for each stay in the dated pdf files ). I called Chase customer service on XXXX to report the issue. Chase sent a letter on XXXX saying they " researched the purchases '' and decided that " the charges are not categorized as the XXXX property '', and refused to make corrections on the points rewarded ( see Chase XXXX XXXX ). I then called Chase again to ask for an explanation and offered to provide the documents proving that the purchases were made at XXXX hotels booked through XXXX directly. However, Chase refused to provide an explanation or consider my documents, and informed me that the decision was final, and I was welcome to submit a complaint or resolve through legal action. The total credit card expenditure on these XXXX hotel stays were {$17000.00}.
Company Response:
State: CA
Zip: 941XX
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I applied for a Chase XXXX credit card well within the promotional period to where if I got approved, I would get a companion ticket every time I bought a ticket for myself, and they didnt process that application in a timely manner and when I reapplied it was outside of the promotional application timeframe, and even though the first application was submitted in a timely manner, they wont honor giving me the advertised perk of getting a free airline ticket for a companion. And I have an email confirming that they received my application within the promotional application period.
Company Response:
State: CA
Zip: 91403
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: Chase put XXXX checks on freeze for XXXX XXXX sessions. They were child support payments. She lives at the address on me account with me, we have XXXX kids together, we are married by common law. We verified our identities in person. Multiple times. Changed phone plans to verify her identity through their verification system and risk tool I feel weve tried XXXX XXXX the checks total to {$2100.00}
Company Response:
State: UT
Zip: 843XX
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Today ( XX/XX/XXXX ) I received an email from JP Morgan Chase Bank stating, XXXX, Thanks for applying for a Chase credit card. This was not sent to my personal email but actually my parents email. XXXX XXXX XXXX XXXX Parents Email XXXX XXXX I did not apply for this card and Im worried someone else may be trying to open this card in my name. I can not contact Chase about this as theyre closed, its past their call center hours, and I cant stop in tomorrow ( XX/XX/XXXX ) because it is a Sunday. I will attempt to contact them on Monday or stop in to XXXX of their locations. Additionally, I received an update via email today ( XXXX ) from XXXX stating my credit file has been updated. Upon looking in to the update it says, JPMCB CARD SERVIES got a copy of yourXX/XX/XXXX Credit Report.. I do notice services is misspelled. Not sure what that means or alludes to. It goes on to say, JPMCB CARD SERVIES made a Bank XXXX Credit Card Inquiry by checking your XXXX XXXX XXXX. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months.. The point is, I did not do any of this or authorize any of this to happen. I do not bank with Chase nor have I ever.
Company Response:
State: WI
Zip: 539XX
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a Chase card on XX/XX/2023 online. The application was pended. I never got a letter on why my application was declined. I called around XX/XX/XXXX. They said the application was declined and they would send me a letter on why. I never got a letter. On XX/XX/XXXX, I got a letter saying thay Chase may have declined my application in error. And that if I was still interested, I would have to apply again. They never sent me a reason why it was declined. Then say I can apply again due to their error and they would ding my credit again. There has to be some regulation against this.
Company Response:
State: WA
Zip: 993XX
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a new account and the bank said theres suspicious activity when there is not any fraud whatsoever. Everything is accounted for and now they restricted my account and refuse to let me reach my funds. I ran out of gas while traveling and was stranded I was not given a warning or phone call I missed a funeral and now Im stranded with no funds or money for gas or food they are keeping my money hostage.
Company Response:
State: CA
Zip: 93312
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I have had XXXX XXXX Chase credit card for almost or over 2 years now. Order # XXXX Order # XXXX I noticed the option to have a 12 month payment schedule, instead of regular charge, at check out. Companies like XXXX, XXXX and even XXXX XXXX as you go have similar offers and i have succesfully used these methods to lessen payment burden at times of purchase. I was surprised to learn that I was charged full amount of the transactions I made in XXXX and checked the *12 Month Equal Pay* selection. It even gives a dollar amount of these monthly payments. It would seem straight forward but I was wrong. Please note, I orginally used this option for Whole Food groceries, in the XXXX XXXX but this process did not go through. Food is expensive and the fact that I thought that this option was available because it would have been helpful is sad. To learn that not just the groceries but XXXX others transactions hit my Chase card to be billed, os really discomforting. I support my mom. Why offer anything with such advertising wording if the consumer will be billed all the same. I dont need the credit usage to reflect on my credit report either. I have great credit and payment reputation. I am in process looking to invest in real estate and dont need finacial errors in the present. I made the purchases i chose with idea that i would me charged a monthly increment as it reflects in XXXX XXXX credit card payment option at check out. I have worked in law office since i was a teen, this matter is absolute deception. Also, i did not chose my Chase card with XXXX of the charges on my latest statement yet, it defaulted to Chase. That is also deceptive. I made sure to chose my bank. This is why i am removing Chase from my XXXX account.
Company Response:
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33634
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2023 i made a atm withdrawal from XXXX XXXX in XXXX, Ky for the amount of {$800.00} dollars, i asked for the bills to be {$50.00} bills, instead i received {$20.00} dollar bills totaling just {$320.00} dollars, i immediately held the bills up to the atm camera without pulling the money inside my vehicle so that they could see it was the wrong amount and bills, i did this because this was on a Sunday and the bank was closed. i called XXXX XXXX and they said i have to file a claim with my bank chase bank, which i did that day and told them everything including about checking the camera 's, they recently sent me an email stating that i authorized the transaction and XXXX XXXX said that their atm didn't malfunction, i asked them did they request the footage, they said no and i asked them why when i had told them all the evidence is on camera, they basically told me i had no other recourse than to accept their decision.
Company Response:
State: KY
Zip: 42701
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XXXX I have conducted the payment in the amount of XXXX XXXX USD from my account with XXXX XXXX account of XXXX XXXX XXXX XXXX XXXX. Company opened with XXXXXXXX XXXX ( XXXX ) XXXX. JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXX, XXXX XXXX was designated under the Executive Order XXXX. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to OFAC. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, OFAC may not locate the records of the blocked payment. On XXXX, XXXX, XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXX XXXX asking them to clarify if the payment was blocked and reported to OFAC and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A