Date Received: 2023-12-22
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Chase closed my account for no reason and wont tell me why. However I had a balance of just over {$480.00} dollars in there. They advised a check would be sent out. This check was never received so I requested a new check to be sent out 4 times. They keep telling me a new one would be sent however theyre not giving me a date on this. Its now been 2 months since the account was closed and still not received my funds.
Company Response:
State: NJ
Zip: 086XX
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Made trip reimbursement claim with Chase Sapphire Preferred credit card Eclaims Center. Flight was cancelled by XXXX XXXX, not my fault, on XX/XX/2023 from XXXX XXXX , I had paid XXXX XXXX XXXX XXXX {$2100.00}, because XXXX XXXX was a no show, hotel did not reimburse me for that night as per their cancellation penalty If cancel within XXXX XXXX XXXX XXXX XXXX before arrival or customers are no show, XXXX XXXX XXXX XXXX XXXX will be charged as cancellation penalty. I asked Chase Credit Card to reimburse me the XXXX XXXX that I lost due to the flight cancellation and they closed the claim after sending more than XXXX documents explaining the situation. I called their customer service line multiple times and always got same response, claim examiner will call you, I am still waiting for that call.
Company Response:
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Called me on XX/XX/23 leaving me a message to contact them regarding papers they want to have delivered. Called back would not give me any information, expect amount of debt owed. I explained to them hat I dont owe that debt and to contact my attorney. Then called my Mother and sisters and left the same message as I received.
Company Response:
State: IL
Zip: 60046
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Formal Complaint Regarding Disparate Impact and Negative Consequences by JPMorgan Chase Bank, N.A ( CHASE ) Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to file a formal complaint against JPMorgan Chase Bank, N.A ( CHASE ) regarding what I believe to be disparate impact and disparate treatment in their recent decision to significantly reduce my credit limit from {$2000.00} to {$500.00}. When I initially obtained the credit card in XXXX, my approved starting credit limit was $ XXXX have been a responsible and loyal customer of JPMorgan Chase Bank , N.A ( CHASE ) for the past six years, consistently making on-time payments and maintaining a positive relationship. Since that time, my income and credit have improved substantially, reflecting my commitment to responsible financial management. However, I recently experienced a sudden and substantial reduction in my credit limit, which occurred immediately after I paid off my credit card balance on XX/XX/XXXX. On XX/XX/XXXX, I received a We reviewed your account and adjusted the credit line letter. This has raised serious concerns about the fairness and transparency of JPMorgan Chase Bank, N.A ( CHASE ) 's credit evaluation process and policies. The timing of this decision is particularly perplexing, as the credit limit decrease occurred immediately after I cleared my outstanding balance on XX/XX/XXXX. Subsequently, I noticed the reduction in my credit limit on XX/XX/XXXX. This abrupt change has created financial instability and has a direct impact on my credit utilization ratio which keeps me and consumers with my profile type blocked in a specific credit score profile. Despite seeking clarification through multiple calls to JPMorgan Chase Bank, N.A ( CHASE ), I received conflicting information from their representatives. The initial assurance that my credit limit would be restored, on XXXX XXXX at XXXX CST, was later contradicted on XX/XX/XXXX, XXXX CST, and I was directed to request a credit limit increase through the risk assessment department. During this process, JPMorgan Chase Bank, N.A ( CHASE ) requested a hard credit pull for reconsideration of my credit limit. I expressed my concern about the impact of a hard inquiry on my credit score and refused the hard pull, instead requesting a soft pull for reconsideration. The representative then stated that my request needed to be reviewed ; 2 days later I received a letter stating they couldnt access my credit report and Id need to call customer service. On XX/XX/XXXX, at XXXX CST, I contacted JPMorgan Chase Bank , N.A ( CHASE ) customer service and was told to contact CHASE risk management department. The risk management representative asked several questions, but XXXXne question stood out as potentially discriminatory : " Where did I get the money to make a large payment? '' I found this question inappropriate and irrelevant to the request for a credit limit increase. Especially since I provided the representative with my action plan to pay off my credit cards as well as my annual income. Unfortunately, my request for a credit limit increase was denied, on XX/XX/XXXX, leaving me with unanswered questions and financial distress due to the negative impact of this credit limit reduction. I am deeply troubled by the lack of clarity surrounding the reasons for this credit limit reduction. The explanation provided, citing the " balance to credit limit on other credit cards, '' does not seem to justify such a drastic and disproportionate action. This situation raises concerns of disparate impact, as the decision appears to have an adverse effect on my financial standing compared to others. As a responsible and long-standing customer, I believe I deserve fair treatment and a clear understanding of the factors contributing to the recent actions taken against my account. How did my payment initiated an account review that assignment my account to the risk department. How does a loyal JPMorgan Chase Bank, N.A ( CHASE ) customer become a financial risk after paying off their account? The substantial reduction in credit limit negatively affects your credit utilization ratio, potentially leading to a lower credit score. A lower credit score may result in higher interest rates for future credit, impacting your ability to secure favorable terms on loans or credit cards. Additionally, a sudden decrease in available credit could disrupt your financial planning and increase financial stress. I am requesting JPMorgan Chase Bank, N.A ( CHASE ) to provide me with a copy of my internal coding information on my account such as demographic information, race, ethnicity, consumer risk analysis etc. JPMorgan Chase Bank, N.A ( CHASE ) account review procedure adversely affects a specific demographic ( e.g., individuals with a certain credit score or financial profile ), which is considered a disparate impact. Furthermore, the inconsistent information provided by JPMorgan Chase Bank, N.A ( CHASE ) representatives, coupled with the denial of my credit limit increase request, suggests potential disparate treatment. I kindly request the Consumer Financial Protection Bureau to conduct a thorough investigation into my case, examining the potential disparate impact and disparate treatment by JPMorgan Chase Bank, N.A ( CHASE ) towards me and consumers with similar profiles. I am also requesting the Consumer Financial Protection Bureau request and require resolutions to include victim compensation and change in JPMorgan Chase Bank, N.A ( CHASE ) practices that are causing disparate impact and disparate treatment to consumers. I appreciate your attention to this matter and look forward to a prompt resolution. Sincerely, XXXX XXXX, XXXX XXXX XXXX
Company Response:
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Chase Bank is routinely giving us problems accepting cash transfers into our account from such applications as XXXX, wherein we constantly get messages that Chase Bank is either refusing or reversing the monies transferred there, thus forcing us to transfer our money into our bank account that we are trying to walk away from, XXXX XXXX. The most egregious aspect of Chase is that their employees such as XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and others keep telling us to " fund the account '' otherwise we will have problems, such as refusals of merchant services or premature closure of our account. Please investigate and advise.
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I lived in the XXXX for 5 years, and to this day, I bank there. I do business in the XXXX, and my client was supposed to pay money to my XXXX bank account via XXXX but the money never arrived. The transfer was created on XX/XX/2023, and paid out on XX/XX/2023. On XX/XX/2023, I received communication from my bank. They were asking me questions regarding the nature of the payment and why I received it. Then I explained who I was and what the payment was for. I am writing this on XX/XX/2023, and we have not received any communication from the intermittent bank. My client tried to contact XXXX, but they said they could not help. I have contacted my bank, and they said they could not do anything because it was up to JP Morgan Chase to release the funds. It is only a ~ {$3000.00} transaction, but still. No one knows where it is. According to my bank, JP Morgan Chase refuses to release it and is not telling us why. No communication from them. XXXX has also been extremely unhelpful. It is almost XXXX, and I still have not been paid, and no one knows where my money is.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I had a credit freeze on my ssn, I forgot about it and applied for the pre-approved creditcard. Then I got a reply saying that we can not approve your card at this moment, the reason for that will be send through the letter. And there is no indication that the application was on hold as of now. I recollected my memory and found that ssn was on freeze and I submitted my application 2nd time for creditcard after ssn was unfrozen. This time I was denied again saying multiple applications submitted for the same credit card. I reached out to the banker 's credit card services team and tried to explain what has happened and asked to process the first application using the second application credit report that was ran successfully. But Banker said, she can not do that since everything was automated and there is no manual intervention. And she asked me to contact the credit bureau to dispute the second credit report which was ran unnecessarily. The following is the vendor information. Scoring system name : Chase Proprietary Score Source : JPMorgon Chase Bank, N.XXXX. Date Calculated : XX/XX/2023
Company Response:
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Chase bank has had on hold a check deposited on XXXX to my checking account for the amount of {$6300.00} because they say have not been able to verify the check with the law firm involved issuing it. I have called for 2 days Chase to provide them the number for the law firm to be contacted and verify all information needed and Chase continues to say that the numbers I provide are not accepted because are not in the list they have, keep in mind the numbers appear on the law firm website. Chase already has the funds ( processed the check ) because law firm confirmed it with the bank but they still have them on hold saying if they can not verify the funds they will close up my checking account and retain the check. Chase is not helping me with other options to get this issue resolved as soon as possible, they just say that the number they have for the law firm comes up as disconnected therefore they can not verify the check and release the money meaning they will also have to close up my checking account and flag me for fraudulent check deposit.
Company Response:
State: NY
Zip: 11369
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for Chase XXXX XXXX credit card according to the avertisment of getting XXXX points after spending {$3000.00} during the first 6 months / Chase claimed that the offer was for XXXX during 3 months. I did spend a total of over {$4000.00} during the 6 months to meet the requirement of the points offer. They denied my points
Company Response:
State: PA
Zip: 19320
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I made a purchase using my Chase Sapphire Preferred Visa credit card in the amount of {$170.00} on XX/XX/2023 at XXXX XXXX. I received a Credit Card alert from the Chase App alerting me of the transaction on XX/XX/2023. I had previously applied a Chase Offer to the account for 15 % cash back on a purchase at XXXX XXXX with an expiration date of XX/XX/2023. The transaction posted on XX/XX/2023 with a revised " Transaction date '' of XX/XX/2023 which I had no control over and did not reflect the actual transaction date. Following the Chase Offers FAQ guidelines, I waited 14 days for the cash back reward to post. It did not, so I contacted Chase 18 days after the transaction was initiated via their secure message feature within my account. I provided screen shots showing the transaction notification date of XX/XX/2023 and the subsequent change of transaction date after it posted to my account as well as the cash back offer information. I received a response from XXXX XXXX on XX/XX/2023 indicating he would forward the information to the appropriate department for research and I should expect a response within 5 business days. After 5 business days passed, I did not receive a response. On XX/XX/2023 I forwarded the original message via the secure messaging feature on the Chase website to request an update. On XX/XX/2023, I received an update from XXXX, Senior Service XXXX : " After reviewing your account carefully we confirmed the offer expired on XX/XX/2023. The purchase posted on XX/XX/2023. We have no control over when the merchant post the purchase. Because it posted after it expired we would not be able to honor request. We hope you understand this is the same for all our cardmembers. '' I disagree with this response. The Chase Offers FAQ page at https : XXXX XXXX : " If you made the transaction before the expiration date and met the requirements of the offer, you should receive a statement credit. While payment is pending, the offer may appear as expired in the Offers Wallet. The offer should appear as redeemed within 14 business days after the transaction post date. '' I maintain that I made the transaction on XX/XX/2023 before the expiration date of XX/XX/2023 and that I can not control when the merchant or Chase posts the transaction. Chase should honor its cash back offer and post the cash back reward to my credit card account in accordance with the stipulations of its offer and the guidance it provides on its Chase Offers FAQ site.
Company Response:
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A