JPMorgan Chase Credit Card

Tell us why here...This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on February 23, 2017. They should receive our correspondence within 5 to 7 business days. In order to...

protect consumer privacy, they have been advised they may share the response directly with you.

Tell us why here...This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on February 21, 2017. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

We responded to our customer’s concerns in our letter dated October 19, 2017. To protect our customer’s privacy, we are not providing you with the details of our resolution. Our customer may use their discretion in sharing our response directly with you.

Revdex.com:
I have...

reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[I did receive a call from the credit card company.  They claimed that not getting the credit was not their fault, but it was due to a technical difficulty.  Even after I had cancelled the credit card application on the day of the problem, Chase still had the nerve to issue a credit card in my name.  It still seems like"technical difficulties" gives them the right to not live up to their promise.  As a result I had to purchase my airline tickets at full price with no discount.
Regards,
[redacted]

This is in response to the complaint from [redacted] – Case No. 1[redacted]. We take consumer feedback seriously. We’ve reviewed the concerns and a detailed response was provided to the customer by phone on July 26, 2017. In order to protect consumer privacy, the consumer has been advised they have...

the option to share the response directly with you. If you have any questions or concerns, I may be reached at [redacted] extension [redacted]. Sincerely, [redacted]

Better Business...

Bureau:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Chase called me, but they didn't offer any resolution. They told me that the news about the airplane bankruptcy was on the news one month before my travel date. Their policy states that if I was notified one month before travel, they won't honor the claim. I should have knew the news and made preparations. Failing to know the news is my fault and due to my lack of due diligence. Therefore, Chase won't honor the claim. I won't accept their lame explanation. Any sane man will know this is just an excuse from Chase to deny a protection claim from their so called travel protection program. Without airline notify me by mail/call/email, I have no way to know that they already bankrupted and my travel was automatically canceled. Let me ask you. Do you keep tracking of every business that relates to you? If you buy some thing from Walmart, do you keep track of Walmart news everyday in case they bankrupted. Since their explanation is so weak, I won't accept and request Chase for a satisfying resolution.
Regards,
[redacted]

We responded to our customer’s concerns in our letter dated February 26, 2018. To protect our customer’s privacy, we are not providing you with the details of our resolution. Our customer may use their discretion in sharing our response directly with you.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
You did not send the response from the business and asked me to make a decision without that information.   Also, when talking to the representative from Chase, I told them I had to have it in writing and on their letter head what we had agreed upon.   I have yet to receive anything from them.   This is after all a credit card company, you cannot take their word, you have to have a hard copy if they change their mind later on.

We responded to our customer’s concerns in our letter dated November 20, 2017. To protect our customer’s privacy, we are not providing you with the details of our resolution. Our customer may use their discretion in sharing our response directly with you.   Tell us why here...

This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on August 16, 2017. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy,...

they have been advised they may share the response directly with you.

Revdex.com:
I have reviewed...

the response made by the business in reference to complaint ID 12616275, and have determined that this does not resolve my complaint completely.  For your reference, details of the offer I reviewed appear below:
Dear Revdex.com,I have received the response from Chase in regards to my complaint. Chase is notifying me of the following resolution:1.       Late fees and interest charges have been removed bringing the account balance to zero.2.       Chase has denied to adjust my credit report by removing negative item listed in connection to the error made by merchant, explaining the reporting must be accurately showing the activity and status of my account. Such resolution results in a negative item remaining on my credit report showing as a „charge off“ with zero balance owed and marked as PAID. This resolution affects my credit score by lowering it tremendously. Before this event, my FICO score was in 800s and now, after changing from derogatory to current, it is in lower 700s.I strongly disagree with the resolution in regards to credit report adjustment. The error was made on my Chase credit card account on behalf of the merchant. The merchant has accepted full liability in writing and also confirmed in writing I was not aware of the charge. The merchant has sent the letter directly to Chase credit card services. The merchant is the initiator of the error made. Every consequence connected to the error made by merchant should be revoked.Unfortunately, I am experiencing the Chase attempt to break one event of the wrong charge (error) into three separate processes. I have spent months with Chase recovering department trying to resolve the issue. Dispute was accepted, but only principal amount was credited back to the account.I am going through additional dispute process now with the complaint filed through Revdex.com and current resolution shows the interest charges and late fees were removed, but negative item remained on my credit report.Obviously there is an attempt from Chase to make me liable in this case, even though Chase has received the letter from merchant, where merchant accepts full liability for the charge made as error. One of the explanations Chase wrote in the letter is that there were numerous attempts by Chase to reach me. According to Chase, there were two attempts in 2016 by letter and one attempt in 2017 to reach me. I have never received those letters. So let's look into „the numerous attempts“:It is crucial to point out that I have signed up for paperless communication with Chase, where my e-mail is the main communication channel.The reason for me for going paperless is that I am often out of the country due to international projects I work on. It is the fact that I can not always be reached by phone. However, I am very reachable by e-mail at any time, since I do spend enormous time communicating through my e-mail daily. I have never received nor Chase can provide me with any proof of „We are trying to reach you“ e-mail or „Balance owed“ e-mail or „Your payment is past due“ or „Please call us“ or „The account will be charged off“ or „The account will be closed“ or ANY e-mail attempt to reach me. Letters were supposedly sent, but months apart and despite the fact I have signed up for paperless option. The content of the letters were never sent to me via e-mail, which is the main option for communication that I have chosen with Chase. When I went to search for paperless statements on my e-mail, I found only older statements together with Chase marketing promotional offers. I do not see the statements in regards to this case and I do not understand why. Chase representatives that were trying to reach me by phone could have easily reach me by e-mail were they willing to do that. The whole world functions in a way that if you can not reach someone by phone, you are then trying to reach them by e-mail, especially when the customer has signed up for paperless option where the e-mail is the main communication channel chosen on the account.Sending a letter yearly, despite the fact the customer has chosen to go paperless, would not define numerous attempts and certainly not the attempts in a timely manner. Chase has never tried to reach me by e-mail and all of this time I was just an-email message away.In any business relationship, communication is of vital importance. My case is a perfect example of very poor communication from credit card company. I did not ignore the situation at any point in time. I simply was not aware there was a problem on my account. Exercising the option to report the customer without even giving customer a chance to be notified properly and IMMEDIATELY when the problem arises is called bad business.Finally, was I reachable or not reachable, the fact is that Chase is trying to make me liable for the error that was done on behalf of the merchant. Since the merchant has accepted the liability in writing, how is it possible I am left with the negative item on my credit report lowering my score for the next 7 years for something that was not my mistake ??? I am looking for a legal advice in regards to this matter and am asking Chase to promptly adjust my credit report and remove the negative item due to an error that was done on behalf of the merchant. Thank you.Best Regards.

We responded to our customer’s concerns in our letter dated November 21, 2017. To protect our customer’s privacy, we are not providing you with the details of our resolution. Our customer may use their discretion in sharing our response directly with you.Thank you

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[redacted]
[redacted]
[redacted]
 
Problem:I contacted Chase on July 21st regarding my credit card limit. I have 3 cards with chase. My first card, ending in 6500 has an available limit of 12,500. My newest card ending in 0523 has a limit of 2,000 and has no interest until September of 2017. I called to request an increase on the 0523 card, since I needed to make a purchase and didn't want to be charged interest. I specifically asked the rep if there was any way he could transfer the credit card balance from 6500 card. He said no and that my credit would need to be pulled. I declined the offer. On July 24th, I called again since I needed to make this purchase. The rep told me the same thing. I asked if there were any other options. Instead of looking at my other credit cards, she said no. She pulled my credit and it was declined. (This I figured, since I just opened the card) As I am about to end the call, she asks if I want to transfer the balance from card 6500 to 0523. This was what I requested initially!!!!!!!! As someone who works in a call center, why didn't she look at my other credit card and try to find a solution, instead of immediately leaving a hard pull on my credit?Translate Desired Resolution / OutcomeDesired Resolution:Correction to a credit reportselectDesired Outcome:I am requesting the hard credit inquiry to be removed from my credit report. This was completely unnecessary and my desired solution was resolved AFTER my credit was pulled. I have been with Chase for years and am disappointed in the service I received. Two reps failed me.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaint.  Chase never defines what they consider a qualified purchase in any terms and condition that shows that a returned purchase will still be considered "qualified".  The vast majority of credit card holders would not consider a purchase and return of a product as a "qualified purchase".  If this is "qualified" I will use all the social media and credit card blogs at my disposal to let promotion chasers know that to earn the Southwest promotional offer on the Chase credit cards, you can purchase $2,000 of product, return it and it will be considered qualified.  If you can resolve my issue and work with Southwest to change the date that I earned my 50,000 pt promotion to 2017, I will remain quiet on this matter. 
 
For your reference, details of the offer I reviewed appear below.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on July 27, 2017. They should receive our correspondence within 5 to 7 business days.  In order to protect consumer privacy, they have been advised they may share the response directly with you.

Tell us why here...This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on July 27, 2016. They should receive our correspondence within 5 to 7 business days. In order to protect...

consumer privacy, they have been advised they may share the response directly with you.

We responded to our customer’s concerns in our letter dated December 5, 2017. To protect our customer’s privacy, we are not providing you with the details of our resolution. Our customer may use their discretion in sharing our response directly with you. Tell us why here...

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]