Date Received: 2023-05-20
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Purchased a XXXX XXXX with Chase Sapphire Reserve Card because of the advertised 10x the points per dollar promotion and only received 1x the points per dollar. XXXXXXXX XXXX XXXX XXXX I decided to purchase a XXXX XXXX and began researching payment options and promotions. On XX/XX/2023 I obtained pre-approval for a no-interest loan through XXXX via the XXXX website for {$7000.00}. On XX/XX/2023, I went to the XXXX website and they were advertising a promotion between XXXX and Chase that between " now and XX/XX/2023 '' Chase would provide 10x the points per dollar on the purchase of the XXXX XXXX if purchased directly through the XXXX website. I opted to forgo using the no interest loan and placed an order for the XXXX on through the XXXX website using my Chase Sapphire Reserve. On XX/XX/2023 the purchase posted to my Chase Sapphire Reserve account for {$3800.00}, meaning I should have received XXXX points for the purchase. I received XXXX points. I contacted Chase on XX/XX/2023, and was advised that my purchase qualified for the promotion but it would take 6-8 weeks to post. After the points failed to post, I contacted Chase again on XX/XX/2023, and was again advised that the purchase qualified but the rep did not know why I had not received the credit and they would escalate the issue and respond within a week. After receiving no response, I contacted Chase on XX/XX/2023, and was told that the system showed that the issue had been escalated but the rep did not know why I had not received a response and that he would escalate it again for follow up. On XX/XX/2023, I received a letter from Chase advising that my purchase did not qualify for the promotion because my purchase posted on XX/XX/2023 and the promotion ( at this time ) was listed as starting on XX/XX/2023. I contacted Chase on XX/XX/2023 by phone and advised that the promotion was advertised as being in effect on the date I made my order and I would not have used my Chase Sapphire Reserve and forgone a no-interest loan but for the advertised 10x points promotion. I was told that even though XXXX had advertised the promotion prematurely and represented it as being in effect at the time of my order, Chase would not honor the promotion.
Company Response:
State: CO
Zip: 80233
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I received a copy of my consumer report and noticed some major violations according to law 15usc 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; J.P Morgan Chase Bank has not followed its duty set by congress.
Company Response:
State: LA
Zip: 70403
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My wallet was stolen and therefore my ATM card was in it was also stolen I reported it to the bank. They wanted to file a dispute on the charges that were made from the date that I told him that my card was stolen to present so I agreed then they said they were going to give me a temporary credit for the amounts that were in the dispute but I never received any temporary credit because the bank account was closed they said that they were going to issue me the temporary credits in the form of a check I believe because the account wasn't closed wait they said I should wait XXXX hours till that check would be in my mailbox which I did and it was nothing in there I contacted them back after the XXXX hours and let them know that there was no check in my mailbox as I contacted them back the bank said that the action was reversed and that they were going to take back the temporary credit I never received any temporary credit so and they charge my savings account that I had with them for that temporary credit and it shows on my bank statement that debit due to claim this left my bank account in the negative now and I contacted them and asked them why that was why that happened. For about a month and a half now I've been contacting Chase Bank everyday and been on the phone on hold for over hours at a time I asked him if they could contact me back when they got the information they said they wouldn't so I must stay on the phone for hours and hours and wait for them to respond back when I finally got a associate that understood my problem and wanted to investigate into it they said that they would leave notes into the account so that the next person would be able to pick up where they left off and no notes were ever left or any information about my problem I tried to explain to them as clearly and as open as possible and they will just switch me over to another department and then that department was so true to another department and I'd end up going around the whole company within an hour. I've asked him to check the transaction records to show where I use this temporary credit and why I'm being charged for it and they sold nothing on my part of me even using it they say that a check was mailed off to me on XX/XX/XXXX but this was in the year of XXXX and has nothing to do with this and they keep relying on a check is being mailed to me but they're referring to something that is old the last associate that I spoke with from Chase Bank about this discrepancy said she didn't have no information on it and she could not help me and that I needed to step into the branch in order to get help any further because she did not know or what to do so I stepped into the branch and asked for helping there they did not know where to send me or what to do so now I'm stuck with my credit report showing that my bank account is in the negative and that my other account was charged off and they don't know how to fix their own problem when they wrongfully debited my savings account for the temporary credit that I never used.they would end up hanging up the phone on me and I would have to start all over and recall again. My credit report has been affected due to this and is reflecting that I have a negative account balance in my bank account my savings account and therefore that has deflected me from trying to purchase or even rent a home since I've been living in my car trying to fix this problem every day for the past month and a half. Everybody 's time is worth something and I feel that I've been robbed of all this time sitting on the phone on hold while they are not carrying to fix this problem and hoping that I would just hang up.they would leave me on hold for over a hour scrambling to find information and than disconnecting the call.i had to stop my life on days because I needed to fix this problem and had to be on the phone.i could not get them to call me back or ever escalate this problem they would transfer me to a supervisor who rarely would sympathise but would transfer the call to another department The bank is CHASE amounts are {$240.00} and {$100.00} the date this was filed began on XX/XX/XXXX i have received any money or help to this problem.please help
Company Response:
State: CA
Zip: 92503
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I have several accounts at JP Chase Morgan. When I opened accounts with an employee who is no longer employed he assured me I would have no fees. We have business accounts that XXXX XXXX XXXX dollars in them and he said they would be linked and no fees at all. Without telling me he signed a number of my other business accounts up as platinum accounts with {$95.00} a month fees. Multiple times I have gone in to get these fees fixes and yet I continue to be charged fees. He refunded some of them but now the branch says they are limited by how many fees they can refund. Multiple times I have had to go into the branch to try to get these fees refunded and the accounts fixed or linked so I would not have fees all without success. The XXXX, FL branch promised multiple times to call me back and no one does.
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I am still having an issue opening up a Chase Bank checking and savings account online at account.chase.com and at local Chase Bank branch due to the fraudulent checking and savings account that was opened in my name due to identity theft. Chase approved my Identity Theft Claim on XX/XX/XXXX, but I am still not able to open up a Chase checking or savings account online at account.chase.com or at a local Chase branch. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Company Response:
State: MN
Zip: 55343
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: Item purchased on Amazon on XX/XX/2023, electronic part for a total of {$380.00}. Amazon claims items was delivered on XX/XX/XXXX and left in my mailbox. Upon inspection, item was not delivered. Local XXXX does not have it either. Contacting Amazon provided me a representative which told me the item says delivered so nothing can be done. Amazon has not investigated or provided a resolution.
Company Response:
State: NY
Zip: 10040
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Hi, I signed up for XXXX XXXX membership on XX/XX/ for {$490.00} using my Chase freedom unlimited credit card. I watched and followed XXXX XXXX XXXX account for a while and decided to join their discord sever, but imediately regreted as there were some false/misleading advertisement. I contacted XXXX XXXX right the way, but there were no response, so I had to dispute with Chase. I called Chase once the transaction posted in my credit card account, but the customer service rep told me they can not dispute this charge as it is classified as investing service. I figure if I'm not satified with the service, I should be entilled for a refund.
Company Response:
State: NY
Zip: 11373
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was given the wrong Name and Account Number to deposit a Cashiers Check in the amount of {$13000.00} to a wrong Bank Account in error on XX/XX/XXXX. When notified same day I went immediately back to Chase Bank and notified a Bank Manager as soon as possible who told me there nothing they could do was to have my Bank XXXX retract the payment where I purchased the Cashiers Check. I did that immediately told I had to wait 90 days and was refused assistance on that day also by Chase Bank because oddly the XXXX was closing my Bank Account during the time this occurred which I thought was odd. I have purchased Cashiers Checks before and I have never experienced what I have concerning both Chase Bank and XXXX. I was told to get the owner of the wrong Bank Account with me on line to Chase Bank so they can verify with that person his Name was XXXX XXXX. I received information from Chase Bank who told me the {$13000.00} was placed on a Bank Hold and XXXX XXXX account was being reported as a Scam account. I know nothing about anything of that sort. I left with the only information I was given by Chase Bank desperately trying to get this matter resolved. XXXX XXXX contacted me on or about XX/XX/XXXX and explained he had went into his account about XX/XX/XXXX and saw a {$13000.00} payment in his Bank Account and notified the Bank immediately that he had no clue who I was or why Id be sending him {$13000.00} is probably why it was then being reported as fraudulent activity asking him to call the Fraud Department. Was not such action at all and it caused myself and XXXX harm that should not even escalated to be the extent things are at this time. XXXX XXXX contacted me I then asked XXXX if hed get on a call with me with Chase Bank I believe was the same day he stated yes so I calked Chase Bank on a three way conference call so XXXX XXXX could do the verification allowing Chase Bank to speak to both of us. He did that with me on the call. We got a male on the first call Customer Service Representative who verified who he was speaking to the Chase Bank Account holder was verified as XXXX XXXX gave all his information to the Customer Service Rep then giving that Chase Bank the permission to speak with me XXXX XXXX and verify any information needed on that call by XXXX XXXX told the agent the money is not his he understands it was an mistake he did not know me I did not know XXXX XXXX and he was not taking the money and to give it back to XXXX XXXX and I have had nothing but problems every since trying to get my money back. I filed a complaint with the XXXX Department who again told me to go back to my Bank XXXX where I purchased and do a retract payment because the Cashiers Check {$13000.00} verified by the Chase Bank Customer Representative the {$13000.00} is still sitting in Chase Bank. XXXX said to me come back in 90 days I did and they sent me to the Metro Police Department on XX/XX/XXXX spoke to a Sargent in the Financial Crimes number given to call was XXXX the Officer said this is not a crime and she had no idea why the XXXX after I explained this issue to her stated this is not a crime on either parties is to give back to the person who rightfully should be returned the {$13000.00} belongs to was the same day I was told by her to file a Escalation to Chase and XXXX spoke to XXXX at Chase Bank in the XXXX Department took my Complaint about XXXX XXXX on XX/XX/XXXX Filed Complaint to both Banks and that ref number for Chase Bank XXXX previously I filed a Complaint at Chase Bank with a Supervisor her Name was XXXX gave me a reference number : XXXX Stated XXXX XXXX Account was Frozen and the Money was still at Chase Bank . I called back gave the reference number XXXX gave I was told that was not a Chase Bank reference number and they could not talk to me in regards to this matter. I have done everything to get this resolved and my understanding from XXXX XXXX he is very upset over all of this. Was no way to cause all these problems for XXXX XXXX or myself XXXX XXXX. XXXX XXXX XXXX sent me all his information spoke to Chase Bank on 3 calls while I was on the line with him is for Chase Bank give me back my {$13000.00} yet Chase Bank continues to tell me to do what I have repetitiously done and Chase refuses to return my money back to me without a cause of action they have wrongfully reported about XXXX XXXX and myself XXXX XXXX I purchased the Cashiers Check placed in a wrong account given by mistake and deposited it into the wrong Chase Bank Account # XXXX. You may contact me XXXX. Respectfully, XXXX XXXX XXXX
Company Response:
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately
Company Response:
State: PA
Zip: 17011
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: My Chase Sapphire credit card statement showed 8 charges on XX/XX/XXXX for different vendors. I reported to fraud department on XX/XX/XXXX, my account suppose to be cancel and new card submitted .I never received new card, but XXXX statement appeared 2 new fraudulent charges, adding previous fraudulent charges, I contacted fraud department several times, each conversation reassured me, that fraud department removed charges. Under my personal investigation I found out charges were done at same XXXX VA area, same day except for one to airline agency in NJ At last I received a new, card on XXXX, which I had not use, until I thought my account was clean, but Not, Again all fraud charges reappear complains again. Fraud dept. request prove it was not me, I submitted day by day, Medicare statements, I was on XX/XX/XXXX still recovering from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, unable to drive. Now, Chase Bank, submit statement as unpaid fraud charge, plus interest and penalty, I never had any late payment or unpaid account in my life.
Company Response:
State: VA
Zip: 23238
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A