Date Received: 2023-05-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I applied for a Chase Sapphire Preferred Visa account on or around XXXX with a reference number of Reference Number : XXXX. The denial letter I received electronically from JP Morgan Chase Bank advised my XXXX credit file was used to make the denial decision. On XXXX I noticed JP Morgan Chase had also inquired on my XXXX credit file. The disclosure that XXXX was utilized in the denial decision was not disclosed in the denial letter I received. JP Morgan Chase also stated that per XXXX I had opened too many credit accounts recently. XXXX stated that the last account opened was XXXX of XXXX JP Morgan Chase advised that they can not discuss my application in detail due to an incorrect phone number on a security alert per XXXX.
Company Response:
State: KS
Zip: 672XX
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I had booked a flight ticket using JP Morgan and Chase credit card. The booking was done using their ticket booking service ( Chase Ultimate Rewards program ) and was done in the month of XXXX, XXXX for a flight in the first week of XXXX ( XX/XX/XXXX ). During the booking I requested multiple time that the ticket be refundable. I was promised that it was so. The ticket was booked for 2 adults and a lap infant. On XXXX ( XXXX ), XXXX I called the bookings line at Chase to cancel the ticket for 1 adult and the infant. During the cancellation there there was confusion regarding if the ticket was refundable or not. The booking agent for Chase then checked the voice recording from XXXX and confirmed that while the ticket said one thing that I had paid for refundable tickets and had requested a refundable ticket multiple times in the conversation. A request for email confirmation of this was denied on the basis that their system does not allow them to send an email containing this data to the customer. The agent then promised that I will be refunded my money in 1-2 billing cycles. I called booking agency of chase in XXXX ( XX/XX/XXXX ) to check up on this issue after 1 billing cycle and their agent gave me a specific date ( XXXX ) by which I should be receiving my refund. All this while there was no question on the refundable nature of the ticket as they could see in their notes clearly the previous checks done. When I did not receive my money by the said date, I called the booking agency of chase again on XXXX XXXX, only to be surprised with a different story, where they claimed that the previous agent had made a mistake in refunding a non-refundable ticket and that they have to go check again ie : Repeat the process done in XXXX. When I countered with how they can claim error when they were going to repeat the same process and the fact it will take another 1-2 billing cycles to get my money back they simply kept repeating that they will not honor the checks from their previous agents as they consider her wrong while suggesting that they will repeat the same process again. My questions on why the rejection of the claim was also not passed on to me was also met with attempts at distractions. I was then told that an internal ticket has been raised but I was not provided any closure date. I was simply told that it was a high priority. I am writing this complaint since I do not trust their process and since they do not share any of the voice recording or their notes from previous conversations to their agents hoping they will share details once this complaint is made. Amount in question to be refunded : {$690.00} and some change
Company Response:
State: TX
Zip: 77005
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I am a victim of identity theft, my social security number, passwords, and bank account information was compromised. I was locked out of my XXXX XXXX XXXX, a fraudulent credit card was open from chase, fraudulent checks were deposited without my authorization. I have police reports to prove this matter. I have never had this problem with any of my bank accounts until I became a victim of identity theft. I had multiple pre-approvals and a 5 year strong account with chase.
Company Response:
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: HI, I opened a new chase small business ink credit card from the bank, i was offered a promotion if i spend XXXX XXXX in 90 days i will get {$750.00} cash back from the bank. I completed the terms of the offer and never received the cash back and when contacted the bank they say the terms have changed and i needed to spend XXXX, there as no communication from the bank of this and even today i get offers from the bank for a new card for a spend of XXXX XXXX Reached the bank for the same but they refuse to help or address the problem. I feel cheated by the bank and now they have told me to not reach out to them. Thanks XXXX
Company Response:
State: VA
Zip: 20151
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Other features, terms, or problems
Subissue: Problem with cash advances
Consumer Complaint: This complaint has to do with the credit card that I have through Chase Bank, or Chase.com. I signed up for a XXXX XXXX and used my Chase credit card to pay the {$9.00} fee to get it on XX/XX/XXXX. The following day XX/XX/XXXX, I checked my credit card account online and noticed a {$5.00} " Transaction fee ''. I was not sure what it was, but made an assumption that it was maybe an additional fee from XXXX for the card. I meant to follow up on it, but put it off. On XX/XX/XXXX I noticed a {$0.00} " Cash advance fee ''. I immediately panicked thinking that there may be bank fraud because I never use the Cash Advance feature on my credit card. I had never used this on any credit card. While looking at my online account, I noticed that I had made an XXXX purchase on the same day, so I thought the Cash advance interest charge may have something to do with that. I contacted Chase Bank through their online messaging service on XX/XX/XXXX, and the following conversation ensued : XXXX XXXX, XXXX XXXX XXXX ToChase Card Services SubjectAccount inquiry ACCOUNT NUMBER : XXXX CATEGORY TYPE : Account inquiry ATTACHMENTSIZE:0 On XX/XX/XXXX I was charge a {$0.00} Cash advance fee for an XXXX purchase. I have been a buyer and seller on XXXX for over 25 years and this has never happened. I used my credit card to pay for the purchase, I did not do a cash advance. Please refund this fee right away, and please tell me how to turn off the cash advance feature of my credit card. XXXX XXXX, XXXX XXXX XXXX FromChase Card Services SubjectRe : Account inquiry Delete Reply Hello XXXX, Thank you for contacting us to concerning the {$0.00} cash advance interest charge. We'll be glad to review and address your email XXXX, upon review, I see that the {$0.00} cash advance interest is not associated with XXXX purchase. Rest assured, the XXXX purchase of {$36.00} is not a cash advance transaction. Instead, the transaction of {$9.00} made for XXXX on XX/XX/XXXX is the actual cash advance charge which caused the cash advance interest charge of {$0.00}. Your account also incurred a cash advance fee of {$5.00} which was billed on XX/XX/XXXX. I have refunded the cash advance fee of {$5.00} and the cash advance interest charge of {$0.00} with an associated interest of {$0.00}. You'll see these credit adjustments online in one to two business days. There's no option to deactivate or turn off the cash advance feature. However, we can reduce the cash line to the minimum of {$100.00}. Here are things to know about when you use your card to take a cash advance : - The Annual Percentage Rate ( APR ) for a cash advance is 29.74 % variable. - The cash advance fee is either 4 % of the amount or {$5.00}, whichever is greater. - Cash advances do not have an interest-free period and interest charges accrue daily. - You may pay ATM fees if you use a non-Chase ATM. Your cash advance APRs will vary with the market based on the Prime Rate. To find your APRs, check your monthly billing statement. Your Cardmember Agreement explains the full terms and provides information about cash advances and cash-like transactions. Have a good day! EQUAL CREDIT OPPORTUNITY ACT NOTICE The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX, XXXX, DC XXXX. We appreciate you being a Chase customer. Thank you, XXXX Chase Email Servicing XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX ToChase Card Services SubjectRe : Account inquiry CATEGORY TYPE : Re : Account inquiry ATTACHMENTSIZE:0 Thank you for the credits and explanation. My concern is that I do not use cash advances and I do not want to be charged for them and not know it. Or incur interest and not know it, which is exactly what happened. I check my account almost daily and did not know or see a cash advance nor did I know or see that I was being charged interest until this transaction came up. The XXXX transaction says Money Transfer, not Cash Advance. It does not show anywhere online that I have a Cash Advance balance and that I'm paying interest on it. In addition, the {$5.00} fee from XX/XX/XXXX only says XXXX XXXX and no other description. How was I to know that it was a Cash Advance Fee? The information that should be readily available to me is hidden and feels like a way to scam money out of people. I would not know what these transaction actually were until and if I looked at the actual Bank XXXX itself. So far that is the only place I have been able to see this information, and that is well after the fact. I am also not ok with not being able to turn off the Cash Advance feature because that means this could easily happen again. Please advise. XXXX XXXX, XXXX XXXX XXXX FromChase Card Services SubjectRe : Account inquiry Delete Reply Hello XXXX, Thank you for contacting us about your XXXX XXXX XXXX XXXX XXXX XXXX. We're sorry for any confusion or inconvenience this has caused. XXXX, let me share that the category and the name by which merchant is registered is chosen by the merchant based upon its primary business and it is not chosen by Chase. Also, we are unable to make any changes to their business category as Chase doesn't have control over the category they are assigned based on the type of business they have registered. For your reference, here are the transactions that may be treated as cash advances : - Purchasing lottery tickets, casino gaming chips, racetrack wagers or similar offline and online betting transactions. - Purchasing traveler 's checks, foreign currency, money orders, wire transfers and other similar transactions. - Person-to-person money transfers and account-funding transactions that transfer currency such as XXXX and XXXX. - Making payment using third-party service including bill payment transactions not made directly with merchant or their service provider. For immediate assistance, please call the number on the back of your card. We accept operator relay calls. We appreciate you being a Chase customer. Thank you, XXXX Chase Email Servicing XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX ToChase Card Services SubjectRe : Account inquiry CATEGORY TYPE : Re : Account inquiry ATTACHMENTSIZE:0 Thank you but that does not address my concerns or questions. I have read Chase 's information about cash advances. My problems are as follows : 1. I check my account almost daily and did not know or see a cash advance nor did I know or see that I was being charged interest until this transaction came up. WHERE DO CASH ADVANCES SHOW ON MY ACCOUNT? 2. The XXXX transaction says Money Transfer, not Cash Advance. It does not show anywhere online that I have a Cash Advance balance and that I'm paying interest on it. In addition, the {$5.00} fee from XX/XX/XXXX only says XXXX XXXX and no other description. HOW WOULD I KNOW THAT IT WAS A CASH ADVANCE? 3. There should be a way for a customer to turn off the cash advance feature so that these types of transactions do not get processed. Is there a way to do this? I know other credit cards do. SentXXXX XXXX, XXXX XXXX XXXX FromChase Card Services SubjectRe : Account inquiry Delete Reply Hello XXXX, Thank you for contacting us about your XXXX XXXX card. We understand your concern about the cash advance and will be more than happy to answer your questions. 1. Cash advances will show in the transaction activity along with the other transactions such as purchases, fees, etc. 2. The " Transaction fee '' is for cash advances. You will not see any other fees labeled with this wording. Also, your statement will detail the charges on your account and will show the cash advance. The statements will have more information than what is displayed online. 3. We can not remove the cash advance feature, however, we can limit the amount that can be used for cash advances. We can reduce the cash line to a minimum of {$100.00}. Please reply to this message if you would like to reduce the cash line to {$100.00}. XXXX, we appreciate you being a Chase customer. Thank you, XXXX Chase Email Servicing XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX PM ToChase Card Services SubjectRe : Account inquiry CATEGORY TYPE : Re : Account inquiry ATTACHMENTSIZE:0 Thank you for your reply. Let me make sure that I understand the answers to my questions. Please address my additional questions as well as the action requested in # 3. 1. Cash advances will show in the transaction activity along with the other transactions such as purchases, fees, etc. BUT NO WHERE AS PART OF THE TRANSACTION DOES IT STATE THAT IT IS A " CASH ADVANCE ''. AND NO WHER ONLINE IN MY ACCOUNT DOES IT SAY THAT THERE IS A " CASH ADVANCE '' BALANCE THAT IS INCURRING INTEREST CHARGES? 2. The " Transaction fee '' is for cash advances. You will not see any other fees labeled with this wording. YOU ARE SAYING THAT " TRANSACTION FEE = " CASH ADVANCE FEE '', AND DOES NOT APPLY TO ANYTHING ELSE? WHY NOT CALL IT CASH ADVANCE FEE SO THAT CUSTOMERS ACTUALLY KNOW WHAT IT IS? TRANSACTION FEE IS SO GENERAL IT COULD LITERALLY MEAN A FEE FOR ANY TYPE OF TRANSACTION. THE PROBLEM WITH FINALLY GETTING TO SEE WHAT THESE TRANSACTIONS ACTUALLY ARE ON THE MONTHLY STATEMENT, IS THAT IT IS AFTER THE FACT AND INTEREST ON THE CASH ADVANCES HAVE ALREADY BEEN ACCRUING. THIS IS NOT BEING TRANSPARENT WITH THE CUSTOMER. THERE IS NO REASON WHY THIS INFORMATION SHOULD NOT BE COMPLETELY TRANSPARENT ON THE ONLINE ACCOUNT. 3. YES PLEASE REDUCE THE CASH ADVANCE TO THE {$100.00} MINIMUM ASAP. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FromChase Card Services SubjectRe : Account inquiry Delete Reply Hello XXXX XXXX, Your feedback is always welcome as it helps us to identify opportunities for improvement. XXXX, below are the answers to your questions : 1. and 2. I have forwarded your message to our concerned department for review. Your satisfaction is extremely important and your comments are critical to our efforts for continued improvement. Please continue to contact us with any feedback or questions. We are committed to delivering the high level of service that you expect and deserve. Also, your Cardmember Agreement explains the full terms and provides information about cash advances and cash-like transactions. 3. Your new cash line is {$100.00}, and you can use it immediately. We appreciate you being a Chase customer. Thank you, XXXX Chase Email Servicing XXXX XXXX : XXXX
Company Response:
State: AZ
Zip: 856XX
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: I had both checking and savings accts. at Washington Mutual. These accts. were " free for life '' with no minimum or other requirements. When XXXX XXXX failed, Chase took over pledging to honor the terms of the accounts. After several years my savings acct. balance dipped below {$300.00} recently. Chase began charging me {$5.00} per month service fee. This is in direct violation of the pledge they made when taking over the accounts. Chase can not unilaterally change the terms of a guaranteed for life account because they feel like it. Ihave tried to resolve this issue via Chase 's XXXX customer service # and at the local branch multiple times without any success.
Company Response:
State: OH
Zip: 445XX
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Chase issued a new card and I always insist all cards on autopay. Alerts were not forwarded to my phone as with other cards. My XXXX XXXX XXXX debit card was wrongfully closed by an associate and I was not informed during phone calls to JP and other regular charges through XXXX of issues with my card, I shopped unaware of the problems XXXX XXXX services did not ever send alerts. A bank associate closed my debit account causing me to physically be unable to bank. I was sick a lot of the time and did not open the mail. An alert from XXXX, not JP, not XXXX caused me to look closer and discover the JP account hadn't been auto-paid and I couldn't physically bank for a small period of time. A few accounts were affected and all my perfect rating was affected unintentionally. JP promised to help if I submitted proof and then backed away from it. I asked to have the phone calls listened to for proof of the lack of information and failure to have one payment processed as I requested. I asked for one payment to process which was not done. This inadvertent mistake caused ripples across the bureaus and other creditors shunned and deemed me delinquent as one of XXXX or more payments came in late. I never saw such an unfair form to penalize a consumer. XXXX XXXX XXXX gave me screenshots of all the documentation they provided as I complained of the problems caused on several accounts, some just billed me a processing fee, others never filed against me and JP is the only unforgiving company and on this unfortunate error compounded by Covid sickness and bank associate error. Please look at the fine print of the documents attached as JP Morgan Chase asked me to submit them in order to possibly forgive the undetected, unalerted, unwilling error.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I was expecting an ACH payment from a customer which didn't come through. Upon inquiring with the bank, I learned all my checking and savings accounts ( personal and business ) were being closed by the bank. The bank refused to provide a reason for the closure ( after consistency asking ). I had an appointment at a branch ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) and I was told the representative was at another branch that day. I tried calling him but he never answered. I even left him a voice mail. I was able to open other accounts are XXXX XXXX because my accounts had not been closed by then. If there were, they would be tagged to " involuntary closure '' in the " XXXX '' database which would prohibit me from opening a bank account at another company. I went to another branch and the representative tried her best to get my money released by the specialist she was talking to refused to give her the approval ( she even asked to ask to his supervisor but she was indefinitely put on hold ). I was told my money would be released in 12 days. It was the first of the month and I had to pay rent. It was my first month at a new place and the bank didn't understand the magnitude of defaulting on your first month of rent ( when you never did and didn't have to ). What I found out from applying to a business account is that the address provided can never be virtual location with a real street address but rented only for mailing purposes. I have a virtual address to shield my residence from the public so I rent an actual address through XXXX XXXX XXXX which helps me avoid a ton of junk mail. I provided my virtual address to the Chase agent but he did not guide me through the open opening process. The banker at XXXX XXXX was very thorough and I appreciate her guiding me through the process. That helped me avoid using my virtual location address. I hope to ( i ) get a response on the reason for my account closure and ( ii ) avoid restricting my future ability to bank in the US ( e.g., through XXXX ) given I'm a law-abiding citizen who has done nothing but religiously abide by the law and upload the most ethical of values. I've included my accounts details in the attachment. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Chase {$4500.00}XXXX XXXX {$2000.00} and XXXX XXXX {$4000.00}
Company Response:
State: GA
Zip: 30240
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: It has been brought to my attention that Chase has CONTINUED to engage in violating all my consumer rights to the point where it has gotten out of hand. I have undergone NUMEROUS encounters with Chase at this point. I AM REQUESTING THAT CHASE SEND ME MY public and private accounting records in accordance with GAAP, and all other account records. BILLING STATEMENTS AND LETTERS ARE NOT DOCUMENTARY EVIDENCE AND ARE CONSIDERED FRAUDULENT DOCUMENTATION! AS A CONSUMER PER THE LAW WHAT YOU ALL DOING IS DEAD RIGHT FRAUD! I am giving you TEN DAYS TO send me all DOCUMENTARY EVIDENCE WHICH INCLUDES MY PUBLIC AND PRIVATE ACCOUNTING RECORDS OR I WILL SUBMIT IN THE FOLLOWING WHISTLEBLOWER FORMS TO THE IRS due to TAX FRAUD! Furthermore, YOU ALL CONSTANTLY HAVE HARASSED AND ABUSED ME BY CONTINUOUS CALLING MY PHONE. PER THE LAW, THIS IS A VIOLATION! Per the FDCPA, it is a {$1000.00} fine per violation! PLEASE REVIEW THE ATTACHED WHISTLEBLOWER FORMS! I AM KEEPING ALL DOCUMENTATION AND RECORDING ALL EVIDENCE TO BUILD UP MY CASE FOR LITIGATION! THIS IS EASILY CONSIDERED A RACKETEERING CASE WHICH RESULTS UP TO IMPRISONMENT FOR 20 YEARS! DO NOT SEND ANY MORE STATEMENTS OR LETTERS, SEND ME MY PRIVATE AND PUBLIC ACCOUNTING RECORDS OR BLOCK, REMOVE, AND DELETE THIS ACCOUNT! ACCOUNT NUMBER : XXXX XXXX
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A