Date Received: 2023-08-29
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: 33055
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I paid the balance due on my credit card, by the due date and I was charged interest. I called the credit card company and spoke to customer service supervisor XXXX. She refused to give me any additional information to identify herself. She explained that they employ a very tricky/confusing method of charging interest that is hidden in some small print in their terms. I typically pay off my balance every month, so I had no idea that they not only will charge interest on the balance carried over from the previous month, but then they also will begin charging daily interest on your purchases that month as well. If I would have known this, I would have immediately paid off my balance, but since the statement gave me an amount and a due date of the XXXX, thats when I paid off the balance. Since there was this confusion and I was not notified of a change in how they were calculating my interest charges, I requested a one time waiver of the interest charges and Chase refused.
Company Response:
State: PR
Zip: 006XX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX of this year I applied for the Chase Marriott Bonvoy Credit Card. There was a couple promotions going on with the card, first one being XXXX Bonus Points After you spend {$3000.00} on purchases in your first six months from account opening. * Plus Earn More with this Limited Time Offer Get a Marriott Bonvoy {$300.00} eGiftCard Delivered to your email upon approval. * Well, seeing how I thought it was a good deal & I plan to stay with Marriot multiple times a year Itd be worth it. Untimetly I applied, I waited the first hour or so to receive the gift card seeing if it would get sent to my email, no luck. Honestly wasnt surprised. Almost a month later nothing. Ive reached out to both XXXX and Chase. Marriott says its a Chase gift card. Spoke with a couple Chase reps and one helped submit a ticket to get it fixed up. Rep said Id hear back in no more than 7 days. 10 days later 0 response. Called back and spoke to a supervisor & they said it can take up to 14 business days, although she noticed the ticket had been closed resolved. She said my account was ineligible but refused to tell me why? She then refereed me to a XXXX XXXX XXXX get this fixed up? Quite a joke seeing how that is their job. Below I will paste requirements to make sense of it. PROMOTION REQUIREMENTS : current cardmembers of the Marriott XXXX XXXX credit card ( also known as Marriott Rewards Premier ) or Marriott XXXX XXXX credit card ( also known as Marriott Rewards Premier Plus ), or previous cardmembers of the Marriott XXXX XXXX credit card ( also known as Marriott Rewards Premier ) or Marriott XXXX XXXX credit card ( also known as Marriott Rewards Premier Plus ), who received a new cardmember bonus within the last 24 months. Eligibility for the new cardmember bonus : The bonus is not available to you if you : [ Never had any of these besides the XXXX XXXX I applied for to get the promo ] are a current cardmember, or were a previous cardmember within the last 30 days, of Marriott XXXX XXXX XXXX XXXX ( also known as The XXXX XXXX XXXX Credit Card from XXXX XXXX ) ; [ Never had any ] are a current or previous cardmember of either Marriott XXXX XXXX XXXX XXXX XXXX ( also known as The XXXX XXXX XXXX XXXX Credit Card from XXXX XXXX ) or Marriott XXXX XXXX XXXX XXXX XXXX ( also known as the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and received a new cardmember bonus or upgrade bonus in the last 24 months ; or applied and were approved for Marriott XXXX XXXX XXXX XXXX XXXX ( also known as The XXXX XXXX XXXX XXXX Credit Card from XXXX XXXX ) or Marriott XXXX XXXX XXXX XXXX XXXX ( also known as the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) within the last 90 days. [ Never had any ] Chase XX/XX/24 rule applies to this card [ XXXX Inquiries XXXX to date ] Overall I pass all requirements & applied directly through the Marriott app where I saw the E-Gift card offer. I am hoping you guys might have an idea of what steps to take next with chase seeing how going through a XXXX XXXX will take forever anyways. I have worked through multiple phone calls with Chase & had absolutely XXXX luck. Photos that are attached to the compliant are time stamped screenshots from when I was applying for the card. Because I thought something like this could happen I took my own precautions. Date applied : XX/XX/XXXX ( within promotional period ) Amount : {$300.00} Marriot E-Gift Card Actions : 2 tickets with supervisors with no resolution besides sorry ineligible. Bank in question : CHASE BANK
Company Response:
State: OK
Zip: 74055
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Vacation in XXXX at my parents home in XXXX, on XX/XX/2023 around XXXX XXXX XXXX ( XXXX EST ), I was checking my XXXX emails and saw 3 emails from chase. XXXX email says I have added a payee by name " XXXX XXXX - XXXX XXXX BANK '' XXXX email about bill payment of {$4000.00} to the " XXXX XXXX ''. XXXX email about the balance below {$50.00}. All XXXX emails got into my inbox around same time at XXXX XXXX time ( XXXX EST ). Received emails around XXXX mins before I checked the emails. Immediately, I signed into my chase account to check and surprisingly I found a payee added by name " XXXX XXXX '' with a XXXX digit number and a transaction for transfer of {$4000.00} paid as a bill to this payee. I have not signed into my account on that day before this and never added this payee ( dont know who is this ) and never transferred any money. I saw that the transaction was still in pending status. I called in Chase and reported about this activity and filed a claim # XXXX XXXX XXXX XXXX, they mentioned it will be taken care of. I called Chase again on XX/XX/2023, assuming that they sorted the problem out, it is to my surprise that they said, in their investigation it is found that the activity happened thru the same device that I have used in the past, and they believe that the transaction done by me. And they said the case has been denied not willing to re-open it. Please help.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I deposited a check in my Chase account for {$4200.00}. Yesterday. Chase Bank flaged it. It is from Illinois Housing. They wanted to call the issuer of the check. I gave them the phone XXXX. They said it was not an authorized phone number and they refused to call it. They locked my bank account and refused to give me any funds. I told them it was important that I pay my rent and they did not care. I paid my XXXX XXXX bill and it bounced because they did not accept the check. Now XXXX XXXX is also locked. I can not purchase anything right now because both of my financial institutions locked my accounts.
Company Response:
State: NV
Zip: 89117
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened my chase business account with {$200.00} dollars and now its shows Im negative its not fair I didnt even get to use my card since I lost it and they have been charging me monthly service fees without me knowing I asked if as a courtesy they can reimburse me these fees they said no
Company Response:
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I attempted to make a purchase on XXXX. On the XXXX of XXXXThe payment was denied. As a result, I called " CHASE United mileage plus select '' VISA. I was told my account was locked. I asked them why and they said they would send a code to my phone. I gave them the number and they said they could not send a code to a number in XXXX. ( I have lived here for 12 years and they were aware of it. ) They said I should call the security center, and they could send me an email with the code. I called the " security '' department and explained what happened. They said they were unable to send a code to my email. After some time, they said they could ask me some personal questions and if I was able to answer correctly they would proceed with unlocking my account. After they asked me the questions, of which I only recognized one, I was told I had failed the questions. They told me they would forward my issue to a higher department and I would recieve a " CALL '' within the next 48 hours and to keep my line open! Remember, they told me they could " not call my number in XXXX! '' I would just get another credit card in the U.S, but I currently do not have a U.S. address. I got the VISA when I lived in the U.S. I have other issues with this card, but I will address them on future emails to you. At present I just need to have my card unlocked. Thanks, XXXX
Company Response:
State:
Zip: XXXXX
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: 2023-08-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I was sent ah check for XXXX from my company XXXX XXXX but I dont have any contact with them anymore and Im trying to get my money released from the bank or just find another salutation cause I been waiting for to long to receive my money and they want talk to people from the business I brought in documents that proved of me being apart of the business I been waiting patiently the check was clear when it first landed into chase and nothing was wrong it froze wants I went to retrieve it from the inside
Company Response:
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I called to upgrade my card from Chase Freedom to Chase Sapphire on XX/XX/2021 and the representative did not transfer my points over from Freedom to Sapphire. I was under the impression that the points will automatically transfer since that is what happened the first time when I called to change from Chase Sapphire to Freedom. The representative on the phone never offered to transfer the points to my new account and as a result I lost a total of XXXX. I have not checked on the points balance since we have no need for it during covid. When I checked last week I realized that my points were never transferred over. I reached out to customer service but they did not do anything. We have all our retirement accounts with Chase and in the process of moving another $ XXXX over to Chase. We have been happy with Chase until this incident and losing XXXX is not a small amount. We would like to get our points back and would really appreciate your help on escalating this issue.
Company Response:
State: CA
Zip: 90277
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Repossession
Subissue: Account reinstatement or redemption after repossession
Consumer Complaint: This is more to add to complaint ID : XXXX Chase Auto called on XX/XX/2023 and told us they found the error and that the funds we paid were applied to the wrong account and the repossession was invalid. The gentleman I spoke with told me that the car would be towed back to my home on Thursday, XX/XX/XXXX, or Friday XXXX. I heard nothing by late afternoon from Chase on Thursday so I called them and they said that they are working on getting the car released back to me and will call the next day. I called again today ( Friday ) because once again by the end of the day, I heard nothing I was transferred to 4 different departments in Chase and no one knew what was going on. The car is supposed to go to auction On Tuesday, XX/XX/XXXX. I am trying to prevent that from happening because that will be another huge mess to deal with with a company that doesn't care.
Company Response:
State: TN
Zip: 37148
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A