Date Received: 2023-12-27
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied online for a Chase Sapphire Visa and received a letter telling me my application was declined for the reasons below, despite having a Chase Proprietary Score of XXXX ( XXXX is the highest possible score ) per the attached letter. I included additional detail on each item. I followed up with a call and an email asking for additional explanations and have not received any follow up from Chase. *Past or present delinquent credit obligations with Chase . ( This may have been the case 10+ years ago, but I had a Chase Marriott card for many years and had a perfect record and Chase also holds two mortgages for me with a perfect payment record. There are no delinquencies on my credit report currently. ) *Insufficient or no balance in Chase deposit and/or investment accounts. ( I do not do any banking or investing with Chase. I do not have any active accounts that appear online so there shouldn't be anything in negative standing and I could not find anything in the application materials making banking or investing with Chase a requirement for this account. ) *Length of time since newest credit card is open is too short ( This is legit, I had opened a XXXX XXXX recently before this but it is in good standing. ) *One or more requests for new credit in the past 12 months ( had the XXXX XXXX and a new car loan, but being declined for more than one request in 12 months seems excessive. )
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
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: Hello, I ordered a set of aligners from XXXX in XXXX of 2022 for {$1900.00}, which I received. As part of the purchase, XXXX offered a lifetime guarantee to give its customers a smile they are happy about. I had started the program with the idea of some small corrections to my upper teeth and minimal changes to my lower teeth. My teeth did not move in the way they were intended to by XXXX, and my XXXX XXXX XXXX XXXX XXXX and my upper teeth have not had the small issues fixed. The treatment worked great for the first month or so and I ordered a set of retainers for when I was done with my treatment. However, after some more time passed and my teeth were no longer moving as expected, I sent in a touch-up request to XXXX to XXXX another set of aligners to move my teeth the way they were intended to. The retainers I received did not fit my new smile, and the company was supposed to correct the {$190.00} charge but did not do so. XXXX sent me another set of aligners for the touch-up request, and I had a similar issue to last time. I sent in another touch-up request and XXXX sent me a set of aligners that did not my teeth at all due to an error from their end. They sent another set that fit my teeth better, but my teeth yet again did not move as expected. After bringing this to the attention of their customer service team, they denied another touch-up request and said I had met my results. This was despite my XXXX XXXX XXXX now vs not crooked when we started. After some back and forth with customer service, they told me to order another set of retainers to guarantee I maintain my lifetime guarantee. I ordered the retainers ( {$170.00} ), and they did not fit my teeth. After this, I sent in another touch-up request explaining the issue, and they approved it. I was supposed to receive the new set of aligners this week or next week, but the company has now ceased operations and cancelled all deliveries. The merchant has cancelled the agreement unilaterally due to financial and operational challenges. I filed this dispute because XXXX did not hold up their end of the agreement of providing the goods and services to improve my smile. They made my smile worse and now have left no way of continuing treatment / restitution. I have included the last contact I received from the company and PDF of their website here with information on the go-forward plan for XXXX. Chase investigated the dispute and the charges remain on my account. Best, XXXX
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Signed up for credit card with sign up bonus for airline points. I have not received the airline points even though I have reached and completed the terms and conditions for the sign up bonus. This is with the Chase Aeroplan Card : XXXX XXXX XXXX
Company Response:
State: OR
Zip: 97006
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I had my ID stolen in XX/XX/XXXX. I had to file a police report, XXXX and I put 7 year fraud alerts on all 3 of my credit reports and signed up for XXXX XXXX. I am supposed to get a phone call before my credit is used for anything. On XX/XX/XXXX I received an alert from XXXX XXXX that I had a hard inquiry on my XXXX XXXX XXXX report from JP Morgan Chase credit card. Someone had opened a card in my name. I called Chase & asked them why they didn't call me first. They gave me some run around lame excuse that it was because it was opened online. They promptly closed it & marked it as fraud. On XX/XX/XXXX the exact same thing happened. I called Chase again & got excuses again. They force sent me a packet on fraud, which I didn't need or want. Chase also said they would send a letter to the credit bureaus to have both hard inquiries removed. At this point, I went ahead & put credit freezes on all 3 of my reports. A few days later someone again tried to open me a Chase credit card but it did not go thru this time & yet no one from Chase ever called me to confirm it was me. Chase is not following the protocol for when people have fraud alerts on their credit reports! Finally at almost 90 days out the hard inquires have not been taken off my XXXX or XXXX credit reports.
Company Response:
State: MI
Zip: 49548
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XXXX chase bank closed my account, without giving fund
Company Response:
State: PA
Zip: 19148
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am requesting the removal of unauthorized credit report inquiries from my credit report. I noticed the unauthorized inquiries listed below after receiving a copy of my credit report on XX/XX/2023 XXXXXXXX XXXX XXXX Services Kindly investigate my claim per the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible. Thank you for your assistance. Sincerely, XXXX XXXX
Company Response:
State: TX
Zip: 776XX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2023, I mailed a notice of inaccurate reporting to JPMCB for furnishing information on my consumer reports that IS FEDERALLY NOT supposed to be visible. Specifically, a charge off and negative remark. As outlined in the Fair Credit Reporting Act, specifically 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report DOES NOT include report solely as to transactions or experiences between me and the person making the report. A charge-off is considered income, transaction history, and an experience between me and JPMCB and may not be furnished pursuant to the above mentioned law. It is now XX/XX/2023, over 30 calendar days from notice and delivery and I have not received any response from JPMCB or change on my consumer report.
Company Response:
State: CA
Zip: 91006
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX, I encountered issues logging into my bank app. Shortly thereafter, I received an email notification stating that my bank account, specifically the check account, was slated for closure by Chase Bank due to suspicious activity. Subsequently, around XX/XX/XXXX, my bank account was indeed closed, with an estimated timeframe of receiving a check within 10 business days, or by XX/XX/XXXX. As of today, XX/XX/XXXX, despite numerous attempts to contact the bank via phone, I have received no resolution or updates regarding my situation. Chase has not indicated any intention to return the funds held in my account. It's crucial to note that my account contains my salary, which I rely on for rent payments and credit card obligations. The impact on my daily life has been substantial. I am reaching out in the hope that you can assist me in resolving this matter promptly. Your intervention in communicating with Chase Bank on my behalf would be greatly appreciated.
Company Response:
State:
Zip: 90035
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I have previously submitted this complaint to the CFPB, complaint no XXXX, dated XX/XX/2023. And office of the comptroller of the currency case no XXXX, in which I mentioned, that chase bank denied a corporate credit card under the startup program, because my income is below $ XXXX per year. I need to add a statement to it, that in the issuance of this corporate credit card, 'if anybody made a false claim of discrimination, they need to prove their claim of discrimination, because, my father is XXXX, my mother is XXXX, I look XXXX, and I am from XXXX originally, which is an XXXX country. '' My company name is XXXX.
Company Response:
State: CA
Zip: 92833
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Fraud or scam
Subissue:
Consumer Complaint: I wired money to a comapny that is fraudulent and the account is with Chase bank. I tried to get help from Chase but have been unable to. I have insurance docs this company forged as well.
Company Response:
State: NV
Zip: 89122
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A