Date Received: 2023-08-01
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I have a Chase XXXX XXXX credit card for which one of the benefits is that you receive {$25.00} in XXXX " XXXX '' credit every six months. On XX/XX/XXXX, I received {$25.00} in XXXX credit from XXXX. Then, on XX/XX/XXXX, I received another {$25.00} in XXXX credit. At that point, my account had {$50.00} in credit. Ten days later, on XX/XX/XXXX, {$25.00} in XXXX credit expired without warning. I booked a flight on XX/XX/XXXX which made use of my remaining {$25.00}. On XX/XX/XXXX, I received another {$25.00} in XXXX credit from my XXXX XXXX credit card. I booked a flight and used the credit, but then had to re-book the flight, so I cancelled it. When I went to re-book the flight, I was told I could not use my credit because some department at XXXX had to " verify '' the cancellation. I booked the flight on my XXXX credit card ( a separate Chase card from the XXXX card ). About a week later, the {$25.00} XXXX credit re-appeared in my account from the previous flight cancellation. There are two problems here. First, my XXXX balance should be {$50.00}. It is not reasonable for XXXX credit to expire in ten days, or even three months. The XXXX Terms and Conditions do not say anything about expiration at all ; terms 25 and 26 at XXXX XXXX XXXX ( " XXXX XXXX expiration '' ) are erroneously the same as terms 23 and 24 and do not reference expiration. XXXX has designed this page so that the terms can not all be printed at once. Second, I should have been able to use my {$50.00} XXXX credit when I re-booked my flight on XX/XX/XXXX, confirmation number XXXX. I could not. When I today to find out if I could apply it retroactively, I was placed on hold for about an hour and told that the relevant department was closed ( after being told that only XXXX could help me, which turned out to be incorrect, apparently, because they couldn't ).
Company Response:
State: CA
Zip: 94107
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023 my Chase Debit Card got declined. I called the company and they stated I needed to call the fraud department for more information. I contacted Chase Bank and they stated that my account was now restricted and the investigation is closed and my account is getting closed as well. Chase Bank never sent me any email, in-app alert, phone call, or letter in the mail regarding this. This is my business account that I have had for 4+ years. They closed it out of no where and refuse to provide me with any information as to why it happened. They also refuse to tell me when and how I will be receiving my {$50000.00} that was in the account. The company is just holding my money refusing to help.
Company Response:
State: AZ
Zip: 85248
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I noticed unauthorized credit inquiries on my report according fcra these unauthorized and unverified items must removed plus15 usc 1666b its illegal
Company Response:
State: CA
Zip: 92882
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I requested JP Morgan chase to close my account multiple times. I have been told the account was closed, and it has not. I submitted a written request by mail to ask that my account be closed. The written request was not acknowledged. I would like my account to be closed.
Company Response:
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I opened a Chase Sapphire Preferred ( CSP ) card on XX/XX/XXXX ( approximate ), and the sign-up bonus is XXXX UR points for spending XXXX dollars in 3 months. After getting the XXXX bonus, I discovered that my friend had a better sign-up bonus - XXXX points after spending XXXX dollars in 6 months. So on XX/XX/XXXX ( approximate ), I called Chase customer service to ask whether I could get that offer. At that time, the customer service person admitted that there was indeed a better sign-up reward offer and said that after I completed the task of XXXX dollars, I could contact customer service to ask for the additional XXXXXXXX XXXX His tone was pretty sure ; it sounded like I would definitely get the extra reward if I could finish the task. I called Chase again on XX/XX/XXXX ; their reply was the same as the last time. I finally completed the task of XXXX dollars on XX/XX/XXXX, and I called customer service with great anticipation to ask for a reward. However, at this time, the customer service person completely denied the XXXX offer. After discussion, finally, she agreed to submit an application for me, but it would take two weeks for others to approve it. On XX/XX/XXXX, I called Chase to check the status of the application. The reply is that they refused my XXXX offer. I am very disappointed. If Chase people do not want to give me the XXXX offer, they could have refused me earlier on XX/XX/XXXX or XX/XX/XXXX. On the phone, they could notice that I had a chance to get rejected for the offer. However, they made me feel that I would definitely get the XXXX offer. To complete the task of XXXX dollars, from XX/XX/XXXX to XX/XX/XXXX, I almost used the CSP card for every spend. If I had known the danger of the XXXX offer before, I would use other credit cards, which can generate much more reward points than CSP.
Company Response:
State: PA
Zip: 16801
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I got scammed fraud about a rental leasing and sent in total XXXX $ through wire transfers and XXXX payments to the scammer and my bank Chase let me know I would not be able to recover my stolen money
Company Response:
State: CA
Zip: 90250
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2023 I went to chase bank because I have a checking account there and I am allowed to withdraw from my prepaid XXXX card so I went and I tried to withdraw the rest of my full paycheck which was {$1000.00} I was charged a fee of XXXX. I walked inside to the teller and did this. Their system was messed up and they were not able to give me my funds me thinking. My funds were still on my card. I went to go to another bank ATM to try to withdraw and it said I had no funds. I was very confused because I did not receive any funds at Chase so my money should've been still on my card, I looked online at my transactions on XXXX and Chase took out my money that I had tried to withdraw but their system was down. I went back to the bank spoke with the manager and said that if it shows in pending status still on my XXXX website, then that night at XXXX PM the Chase system should release the funds back, but I also had netspend on the phone and they spoke with the manager asking him if he could send some type of authorization that once the funds stop pending that they won't take the funds into their accounts and will release the funds back to XXXX the manager said that no he did not have anything like that and can do nothing. I asked him if there's a higher up, I can speak to you to get this fixed and he said no that there was nothing they could do that I had to file a dispute with my prepaid card but all I was doing with withdrawing my money from my prepaid card and Chase and because their system was messed up I was not allowed to get my Funds. If I did not choose to withdraw my money from the bank that day, I would still have my money on my card.I have contacted Chase on the phone multiple times I have contacted XXXX I have filed a dispute I have children and that was my full paycheck and now I have to wait for an investigation for 10 days until I get my next paycheck so I have to wait XXXX full month to get paid. I have bills due and now they are past due with late fees. I am not sure what to do. Chase is not helping me at all. I still have not received my funds. Please help.
Company Response:
State: CA
Zip: 93436
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have had this card for many years and used it frequently. I have both balance transfers at XXXX % interest and purchases. I understand that if I have balance transfers and other promotional balances that purchases won't have a grace period and will have interest. The issue is that multiple times Chase applied extra payment amounts beyond the minimum due to my promotional balances due months later rather than current purchases. In doing so they deprived me of the promotional XXXX % interest for the amount of time advertised and charged me interest on purchases that should have been paid off. Chase 's monthly statements make it very difficult to figure out what purchase amounts to pay to avoid interest. ( Their statement about " interest saving balance '' includes EVERYTHING even promo offers, so make NO sense ). My XX/XX/XXXX statement showed that my " Purchases, balance subject to interest '' was {$2600.00}. My XX/XX/XXXX statement showed that I had {$2400.00} in new purchases and had paid {$4400.00}, far more than the {$330.00} minimum payment due. I expected {$4000.00} to be applied to my purchases. Instead, Chase applied approximately {$1000.00} to XXXX % and other no interest promos not due for many months. ( It is impossible to figure out exactly how much because their statements are so unclear. ) Although my next minimum due was only {$330.00}, I paid {$1800.00} on XX/XX/XXXX, again in attempts to pay off purchases. When I received my XX/XX/XXXX statement, it again showed my extra payments going towards promos not due for four or more months instead of towards the {$2900.00} " balance subject to interest. '' I paid {$800.00} on XX/XX/XXXX, {$2100.00} on XXXX, and {$700.00} on XX/XX/XXXX which should have paid off ANY purchases. NOPE, on my XX/XX/XXXX statement CHASE showed payments of {$3600.00}, purchases of {$1200.00}, and " balance subject to interest '' of {$1100.00}, again applying at least {$700.00} of my extra payments to promos not due until XXXX. The XX/XX/XXXX statement shows that my payments of {$1300.00} ( well in excess of the {$260.00} minimum ) were applied to XXXX % promos not due until XXXX, instead of to current purchases. My XX/XX/XXXX statement shows {$3500.00} in payments and purchases of {$1800.00}, and again, applies my excess payments to XXXX % promo balances due in XXXX, rather than current purchases. My XX/XX/XXXX statement shows payments of {$1800.00} and purchases of {$1200.00}, with more than {$700.00} going to XXXX % promos due in XXXX, but still having a " purchase, balance subject to interest of XXXX!. After this abuse I stopped using the card, but no matter what I pay, Chase continues to apply my payments in excess of the minimum to XXXX % promos due far in the future and not to interest bearing charges. Realizing that I had paid my " purchases '' MANY TIMES OVER and no matter what I did, Chase would not let me pay them off, In XXXX I paid only slightly more than the minimum due plus interest charged the previous month. My XX/XX/XXXX statement shows {$260.00} paid, one purchase of {$9.00}, " Purchases, balance subject to interest '' of {$1500.00}! I have called Chase several times about this issue and each time get vague excuses and am told an amount to pay that will pay off my purchases. This week I was told that if I paid {$1500.00} my purchases will be paid off. I have done so but know they will not pay them off and will instead apply it to XXXX % balances due way in the future. In this week 's phone call I requested a detailed statement explaining where all my payments for the last 6 months went. I was told they could only provide one for the last 3 months but would send me that letter. Today I received a letter in my Chase inbox, which says only that I can find details of how payments are applied in my Cardmember agreement! My point is that they are NOT applying payments as per the member agreement and are RIPPING ME OFF!
Company Response:
State: IN
Zip: 47906
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/2023 I had a double-closing; selling a house and purchasing another house. On XX/XX/2023 I was informed by the closing attorney that the closing wire payment to Chase Bank was hacked and redirected to another Chase Account. I immediately called Chase Bank and after several transfers was given a case number. On XX/XX/XXXX, I called Chase Bank, spent over XXXX minutes getting bounced from Chase rep to Chase rep. Finally, I reached the Escalations Department and learned that my original claim was never investigated, I was given an escalation case number. I also was promised a response in XXXX business days. ( I did not receive a phone call in that timeframe. ) I called on XX/XX/2023, and learned no progress was made on the investigation and was advised that if I did NOT make a mortgage payment on the house I sold, that I would be reported for " XXXX late payment '' ( negatively impacting my credit ). My primary issue is lack of attention, action and resolution on my closing transaction to Chase Bank, even when the funds were wired to the correct bank, but to the incorrect account as a result of a hack that seems to be more common than one would XXXX.
Company Response:
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: The Chase Credit Card Company is running a scam! They overcharged me {$820.00} this month, and when I went to check my charges ( like I do every couple weeks ), I caught this. Last Monday I submitted a request to get this refunded back into my bank account, and they said I have to accept an email that will arrive in 48-72 hours... I set an alarm on my phone to check everyday, and after almost a week of not seeing anything, I checked one last time today, and sure enough they sent it at XXXX last night, with an expiration to accept the money by midnight TONIGHT or I wouldn't be refunded!!! This is an unacceptable solution to a mistake THEY made. If I didn't check my email between XXXX ( like they were probably hoping I would forget ), I wouldn't get my money back! I also spoke to a customer service representative today before checking my email one last time, and he said to just keep checking this week ( knowing that there's an expiration/time-limit to receiving this email )! This is WRONG. How many other people are they doing this to?
Company Response:
State: NC
Zip: 27597
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A