Date Received: 2023-08-31
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Chase offered a {$2000.00} bonus payment for maintaining a {$250000.00} balance in a new account for 40 days. We followed the directions and met with a chase representative, who led us through the process and said that we met the terms and conditions. We have maintained this balance since XXXX yet Chase is refusing to honor the bonus payment. The Chase representative, XXXX, is now saying that she made a mistake and the account we opened should have been in a different category. She is the one who advised us on the account we should open, gave us the code to use, and maintained that our account met the terms. If Chase is not honoring this payment now this is fraud.
Company Response:
State: WA
Zip: 98199
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I informed All three credit agencies that they were report inaccurate information on my report ( JPMCB CARD ) way back in XXXX and again app a month go They were reporting 3 Different Date of Last Activity which is a F.C.R.A. violation because all dates should match for the account to be accurate! nEven the years were different but they refuse to address the issue or correct it.NOR DID THEY MARK THE ACCOUNT IN DISPUTE WHICH IS ANOTHER VIOLATION.
Company Response:
State: FL
Zip: 33189
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Im trying too close my account because I cant even use my money at the bank chase is lousy my money in mine and Im entitled too it, please can you close my checking. Account and make sure I receive my funds please
Company Response:
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: The amount of the down payment I gave was {$2000.00} I asked for my money back the car do not drive for my young daughter endanger her cut off in the middle of the streets. No XXXX was giving on this car I had to buy it from XXXX and I was told from XXXX XXXX XXXX it's a good reliable driving car all tire light pop on gotten that fixed at XXXX XXXX car windows don't roll down wind shield wiper fluid Don't come out the hose to wash the windows. Check engines light comes on odeth claim he brought car parts they fixed it wasn't nothing fixed the light came back on the car he say was under warranty that's a lie I had to get my insurance company to tow the car back to the company. The car is a total loss. On my XXXX report I ordered it was in accidents not a drivable car. You did farud you are a scammer
Company Response:
State: IL
Zip: 60655
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, an unauthorized wire for {$5400.00} was sent on my Chase checking account to a user whom I did not know, among many other unauthorized transactions from XX/XX/XXXX to around XX/XX/XXXX. I filed a police report, contacted my banks, contacted the FTC, filed a report on IC3.gov, and contacted XXXX. Chase bank has resolved almost everything except the {$5400.00} wire, which they denied on the grounds that I gave the perpetrator my username and password. I did not give the perpetrator my username or password for my Chase online portal. I met with a Chase banker, and we filled a complaint against Chase as well as had the Chase fraud and claims department reopen the case. I also plan on contacting the FDIC.
Company Response:
State: DC
Zip: 20016
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Creditors for the chase slate card have made me a victim to their viscous pay cycle that never works right because of there ways are wrong. The creditors blame me and causes interest so high my credit card is impossible for me to pay off! Even when I have owed such a small amount and have kindly asked multiple times for them to help me in any way and I also add funds to pay it they never accept my payments on time or even get the payments set in. They tell me I'm to blame for it but I have been paying on time each time for over six months and they continue to harass me with calls and way higher fees I can't seem to avoid the harassment in there unfair prices for there problems and also the harassing phone calls.
Company Response:
State: CA
Zip: 954XX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I am the primary on this card, I added my boyfriend as an auth user. We travel together. Sometimes he books and plans the trips, sometimes, I book and plan the trips. But we use the same card/account to earn the rewards. We both downloaded the app to better serve our booking needs. I noticed in XXXX that not only were we missing rewards points and credit for nights stayed in a hotel, but also, my total points and his were different. So I called on XX/XX/XXXX and spoke with someone about this. I provided confirmation numbers and dates for hotels that were missing. One hotel named, XXXX, is still in the transitioning phase, so she assured me that the rewards would be added once the hotel has completely switched over. After that call, I waited. On XX/XX/XXXX I opened a chat box with the card reward center to ask about the difference of reward points on his app versus mine and also about the XXXX stays. He again asked for all the confirmations etc, so I sent them again. He then explained that even though we have one account, and one bill, that we have separate rewards. So anything that he books or slides his card for, goes to a reward account under him, and the same for me. I explained to the gentleman that is not good practice, and its only one account, so the points earned and nights stayed should be merged. He said its impossible. So i ended the chat, and decided to call and speak to a live person. I then called in and spoke with a woman, went over everything again, she said the same, and said i should only use one of our cards moving forward, and that i can transfer his rewards to my account for a fee, but any credit for " nights stayed '' would be lost. After 20 nights stayed, you get a status upgrade. This is not acceptable, as its ONE account, anything we earn should accumulate together.
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Trouble during payment process
Subissue: Paying off the loan
Consumer Complaint: I have a check from Chase mortgage that was due to me from a closed loan. It was misplaced and I found it and asked for replacement due to date on the check. They said they are not required to reissue since it was not cashed XXXX
Company Response:
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I reported a fraudulent purchase to Chase bank back on XX/XX/XXXX for the amount of {$1400.00}. They returned the funds to my account and told me that the money would remain in my account until the investigation was over and a determination had been made. On XX/XX/2023 I got an email saying that my claim had been overturned and that the amount of {$1400.00} would be taken out of my account because the merchant had evidence the transaction was valid. The email also went on to say to contact Chase Bank Claims Department if I would like to request the information they used for the research of my claim. I have contacted the Chase Bank claims department at least 6 times since XX/XX/2023 to request the information used to research my claim and still have not been sent the information. Every time I call the claims department they apologize and tell me that they will resend the information to my address and that it will be at least 10 business days before I get the information. I have confirmed my home address with Chase Bank at least 5 or 6 times and for some reason they can not get me the information that I am requesting. I have even spoke to a supervisor and still have not received the information I have requested several times. At this point I dont even believe that my claim was researched because I can not get the information to prove it. Im starting to believe that the Chase Claims Department just took the merchants word for it instead of researching my claim.
Company Response:
State: KY
Zip: 40324
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I made an uninformed decision on XX/XX/XXXX, when I entered this consumer transaction with JP Morgan Chase. 15 U.S Code 1601 ( a ), I was uninformed of the basic facts with two consenting parties and with a clear understanding of what was in the agreement. There is no evidence of indebtedness, the only evidence of indebtedness was the agreement that is null avoid due to the information not being clear and conspicuous. In order to have adequate notice, there must be pertinent facts clearly and conspicuously so that I could have reasonably noticed it and understood its meaning 15 U.S. Code 1602 ( k ). A computer generating pages of terms of agreements can not be adequate notices that everyone can understand. This is for account XXXX. This CFPB complaint was submitted on XX/XX/XXXX and JP Morgan Chase still has not responded with evidence of indebtedness outside of the null avoid agreement. The only way this could be shown is through 15 USC 1681b ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 15 USC 1681 ( b ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. There was no letter of written instruction produced from JP Morgan showing I gave them permission to furnish this fraud on my credit report. IT NEEDS TO BE REMOVED IMMEDIATELY. Violations {$1000.00} per violation 1. Uninformed decision with no clear understanding 2. No evidence of indebtedness 3. No clear and conspicuous adequate notice 4. Inaccurate account close date on credit report 5. Inaccurate first date of delinquency on credit report 6. Failed 15 U.S.C. 44 {$6000.00} in violations
Company Response:
State: NY
Zip: 146XX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A