Date Received: 2023-04-12
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/2022 I made 2 purchases through my chase sapphire reserve cards chase dining service at XXXX and XXXX XXXX in XXXX. I correctly made the reservations through the chase ultimate rewards portal and purchased as I have done before successfully. After not receiving the stated 10x points for the purchases I called chase sapphire customer service and was told i correctly did the process and they would investigate and then not notify me and to check my next statement. XXXX the ~ {$40.00} in points ( value at redemption ) still did not post so I called back and they again said I did the process correctly and that an explanation letter had been sent out and that they can not view the reason why it was denied so they restarted the investigation. I now received a letter from chase stating that both transactions were not done in the portal at all and that no points can be given and there is no appeal process. I did use the system properly and had my process confirmed with 2 different chase reps via the phone customer service line. I now have to file a complaint as a last ditch effort to have chase bank adhere to their own policy.
Company Response:
State: FL
Zip: 32547
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
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: To Whom It May Concern : I am writing to vehemently dispute the charged-off account and inaccurate reporting associated with the above-referenced account number XXXX, as reported by JPMCB CARD. Upon reviewing my credit report, I discovered that the account was reported as charged off, which needs to be corrected. It should be noted that the account in question was included in a XXXX XXXX bankruptcy filing ; however, the focus of this dispute is not related to the bankruptcy itself. I vehemently dispute the accuracy of the charged-off account and assert that the reporting is fundamentally flawed. By taking a write-off for the previous debt, JPMCB CAR Defectively exploits public tax dollars to assist with the write-off. This action constitutes a form of public assistance. Moreover, my requirement to file the discharged debt as income on my tax return falls under the income statute, which should exempt this debt from being reported on my credit report. In addition, I have yet to receive Form 1099-C ( Cancellation of Debt ) from JPMCB CARD, which contravenes the Internal Revenue Service ( IRS ) regulations under section 6050P of the Internal Revenue Code. Regardless, I have dutifully filed the discharged debt as income on my tax return, as mandated by the IRS. JPMCB CARD 's failure to provide the 1099-C constitutes a breach of the IRS tax code, and it has come to my attention that you have taken a write-off for the debt in question. It is crucial to emphasize that income is not required to be reported on a consumer report under the Fair Credit Reporting Act ( FCRA ). Section 605 ( a ) ( 4 ) of the FCRA explicitly states that consumer reporting agencies may not include any information in a consumer report that pertains to " receipt of public assistance benefits. '' I assert that the income reported on my tax return, which encompasses the discharged debt, qualifies as public assistance benefits and is therefore exempt from reporting on my consumer report. I demand that you provide documentation supporting the validity and accuracy of the reported information, including any signed agreements that establish the debt and any other pertinent information. I insist that you investigate this matter and verify the following : 1. The accurate reporting of the charged-off account on my credit report, considering that I have filed the discharged debt as income on my tax return despite not receiving a 1099-C from JPMCB CARD 2. The validity of the reporting of the charged-off account. Should the investigation reveal inaccuracies in reporting the charged-off account, I expect you to remove the account promptly. I request that you provide me with the 1099-C you neglected to issue, as required by the IRS regulations XXXX I demand that you respond to this dispute within 30 days, as mandated by the Fair Credit Reporting Act ( FCRA ). Failure to comply may result in further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel. I await your prompt attention to this matter.
Company Response:
State: IL
Zip: 60148
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: JPMCBANK/ XXXX XXXX XXXX XXXX XXXX XXXX ARE ACCOUNTS ON MY REPORT WITH FRAUDELANT INFO/ PLEASE REMOVE AND REMITT ALL FUNDS DUE TO ME. PER 12 USC 1813
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: My Chase Freedom Flex card comes with a quarterly benefit of a {$10.00} credit when making a purchase on XXXX. On XX/XX/23, after enrolling the card with XXXX per the terms, I made a {$15.00} purchase on XXXX. Ever since then I have been trying to get Chase to send me my {$10.00} credit. I was told multiple times, on the phone and in writing, that the credit would be coming, but it has now been more than 2 months and I am still getting the run-around. Thank you for any help you can provide.
Company Response:
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Dear Sir/Madam, I am writing to formally lodge a complaint against J.P. Morgan Chase Bank for fraudulent activity that occurred in my savings account. It has recently come to my attention that someone fraudulently withdrew a substantial amount of money, approximately {$10000.00}, from my account on three separate occasions within two days this week. While the bank has accepted responsibility and initiated an investigation, they have yet to deposit the stolen funds back into my account. This situation is highly concerning as it highlights the bank 's inability to safeguard its customers ' funds and maintain adequate security measures. My experience with J.P. Morgan Chase has been highly distressing, and I feel that appropriate measures must be taken to rectify this matter. I have been a customer of the bank for over 20 years and have never experienced such a breach of security. While I understand that mistakes can occur, the lack of transparency and support I have received during this process is unacceptable. As a result, I have decided to take appropriate action to obtain justice, including penalties and restitution for the stress and inconvenience caused to my family. This incident has eroded my trust in the bank 's ability to protect my funds and has left me feeling vulnerable and exposed. I urge the government to take a closer look at this issue and intervene to safeguard hard-working citizens like myself who entrust their funds to financial institutions. The safety and protection of customer funds should be of utmost importance and should never be compromised. I trust that the concerned authorities will take swift action to address this matter and ensure that justice is served. I look forward to receiving your prompt response and resolution to this matter.
Company Response:
State: NJ
Zip: 07650
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I have been calling since Friday XX/XX/XXXX trying to release funds from a check that was cashed. starting Monday XX/XX/XXXX we were given a lot of instructions to get it cleared and hold taken off, by chase bank. Chase can not get in contact with XXXX XXXX XXXX XXXX XXXX, the bank from where the funds are coming from, to verify payment. The payment is in the amount of XXXX . We tried discussing this with XXXX XXXX bank and they refused to help confirm funds. This is an urgent matter as I need the funds to close on home.
Company Response:
State: OR
Zip: 97230
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2017, I was scammed by an XXXX XXXX XXXX imposter on my XXXX using an XXXX XXXX per the scammers request! He got me into my Chase Bank account to see that I had savings and checking balances! I thought I was talking to an XXXX associate all this time who said my account had been compromised and I needed to transfer funds! He directed me to move fund through my XXXX account to my XXXX! The total amount in several transfers was $ XXXX. I could see my money in my XXXX thinking it was still safe and still trusting this scammer! Then he had me change my bank on my XXXX when my money suddenly disappeared and I became hysterical, screaming and begging him to return my money! I new then this was a scam! Chase declined to refund because of XXXX and XXXX declined because it appeared I authorized the transfers! I am so torn and upset with myself for trusting this man and not catching on to his scam until it was too late! Im an XXXX XXXX XXXX recently retired woman who now have lost my retirement funds! Ive reported to the FTC, FBI fraud division, XXXX, XXXX XXXX, Chase XXXX XXXX, and no one seems to care! I understand there is an Electronic Fund Transfer Act that should protect bank consumers! Why is that act not protecting me? Why isnt more being done to protect the consumer? I just cant give up fighting for my money that I worked so hard for! Please tell me what I should do!
Company Response:
State: IL
Zip: 60827
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2023 my account was used to send a XXXX payment to an unknown account. The Recipient email was unknown to me nor did I ever authorize this transaction. The amount in question was a sum of XXXX XXXX I contacted CHASE Bank and created a claim. Said claim was denied by chase even though In my initial claim I stated I never authorized this transaction. I was unaware of this transaction. In said initial claim I was told I would receive a call within 10 business days and credit into my account but never received a XXXX nor any form of contact from CHASE. I then contacted XXXX as it was through XXXX and was told to contact my bank. I spoke to manager XXXX of the claim department and she told me Negative. Under regulation 8 I am entitled a refund for any unauthorized payment. I believe my rights are being infringed upon.
Company Response:
State: CA
Zip: 93309
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In XXXX last year, I suddenly found that my Chase debit card was not working, so I called Chase Bank to ask about the situation. Chase customer service told me that my card had been closed and the remaining amount would be sent to me in the form of a check. However, I have not received a check in the past six months, during which time I have called Chase more than a dozen times, but each time I have been told that they are still investigating and can not give an approximate date for when the check will be released or the reason for the account closure. I think this is very irresponsible and disrespectful to the customer. I have XXXX dollars in my card, which is all my savings. Chase Bank impound my funds without any reason, which has a great impact on my life.
Company Response:
State: CA
Zip: 92123
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023 I was scammed I wired transferred XXXX from Chase to XXXX XXXX. I thought is was on the up and up since this was an bank to bank. But ii was not. I contacted Chase and fell like the town XXXX. I know I was scammed. I have kept the scammer on the line by stringing him along. He claims to be connected to a XXXX organization but likes talking with me. I am screaming from roof top for help but no one wants to help just make an example of me. Chase 's system XXXX 's very complicated and no communication, they claim I am not replying by I am logging in 10 times a day to see what they need, I called and customer services said they need more info. I logged in and they do not have things anything, They claim there its a virtual person but there is not. I know once the funds are taken out are this people realize I am attempting something the you know what is going to hit the fan and then I don't know where my safety is but I just don't want this to happen to others, but no one cares.
Company Response:
State: TX
Zip: 76244
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A