JPMorgan Chase Credit Card

Review: First let me say I love Chase! The only reason I must use this method is because when I call I feel like the representatives aren't empowered to do things to help the customer. I called [redacted] regarding my Ritz Carlton Chase card requesting that the APR be lowered. I was told no and that nothing could be done. I also inquired about a lower rate on my Chase Saphire Card and was told no. I asked for suggestions on how to lower my APR or if it could be lowered anytime soon. I was told my account is reviewed frequently to see if a lower rate is available.Desired Settlement: Please call me at my cell number to discuss options to lower the Chase Ritz Credit Card and the Saphire. I have never been late. On my other credit cards the highest I pay is 9.99 APR. Thank you.

Business

Response:

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 September 24, 2013. 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.

Review: I lost my debit card to my checking account my last transaction was on 7/18/2014 at Speedway I filed a claim online on 7/21/2014 telling support to de-activate my card as there was unauthorized charges on my account I do not have a working phone because I don't use one it's a waste of money, they ended up waiting till 7/23/2014 to deactivate my card by then there was over $200.00 stolen from my bank account. So I sent several emails throughout the following weeks fighting with support who said they couldn't help me dispute the charges because of security reasons...the problem with this is I've been sending important information to them, and them back to me under the presumption that their so called "Secure message center" was actually secure...it was shocking when I heard them tell me it wasn't. anyways I ended up having to pay comcast $20.00 to activate phone service and had to go out and buy a $20.00 phone just so I could call their claims department, I filed a claim finally on 8/7/2014, for which I received a email stating they denied my claim only 1 day later, their reason was because I have past transactions with the merchants listed on the claim, the problem with this conclusion is I live in a small town with very few places people can go to purchase items especially during the night hours with only Walmart & Meijer & Mcdonalds/Rallys/Taco Bell open it's crazy how they could come to such a rushed conclusion, I told them to de-activate my card on the 23rd if they would have then the person who stole my card would have only gotten away with spending less then $100.00 but due to their incompetence and idiocy they got alot more and now their trying to fit me the bill which is completely ridiculousDesired Settlement: Refund all charges made through 7/21/2014 to 7/23/2014

Business

Response:

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 11, 2014. 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.

Consumer

Response:

Review: Chase erroneously charged my account a late fee again. [redacted] Billpay provided my monthly payment to Chase on 13 August as confirmed by the information below. However, due to Chase internal processing delays, their automatic system frequently charges late fees even though the payment has been received by Chase but yet processed. Further, Chase tries to blame their inefficiencies on my bill payment service, which is extremely reliable. Confirmation of payment provided below:

Payee: Chase

Category: None

Amount: $580.38

Payment type: Check [redacted] Payment option: MANUAL

Paid from: [redacted]

Delivered by: 09/13/2013

Confirmation: [redacted]

Sent to: [redacted] Payee phone: [redacted]

Memo:

Status: Completed. A payment with check number [redacted] was

initiated on 09/10/2013 and it was scheduled for delivery

to Chase on 09/13/2013. Funds will not be withdrawn from

your account until Chase cashes this check.

Sent by: [redacted]Desired Settlement: Refund the $25.00 late fee.

Business

Response:

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 September 25, 2013. 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.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. While Chase failed to provide me with the cause underpinning why their system fails to process my electronic payments in a timely and effective manner, they did refund the erroneous service charge.

Review: I have been a Chase Credit Card holder since 1995. In 2007, Chase switched my card without my permission to a BP Rewards card. I asked in 2010 for the card to be switched to another type of card that I might actually use, but no new card arrived. I would occasionally use the card, but never for gas or the reward points. On April 14, 2015 I received a notice from Chase that my card was being switch to another bank because Chase was severing the relationship with BP. According to the letter, this change is to take place on May 14, 2015. I called Chase again to try to get off the BP. The CSR stated that I should get another type of Chase Card, but the letter had not mentioned that. So, I asked her to verify. When she came back online, she stated that I would not be getting another Chase Card, which will have a negative affect on my credit rating because this will sever a 20 year history of paying on time and of card use. Not only was I not getting a new Chase Card, but my current account had already been transferred to the new bank and that there was nothing that could be done. Considering that the notice stated that the transfer would not take place until May 14, 2015 over 30 days in the future, I am very dismayed that my 20 year account had been transferred with no notice and no new Chase Card to keep my credit history intact. My relationship was with Chase for 20 years and not with BP. I never wanted anything to do with BP in the first place.Desired Settlement: I would like to have my credit card remain with Chase to keep my credit history intact. I do not want to be transferred to another bank. My relationship was with Chase and not BP.

Business

Response:

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 May 1, 2015. 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.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is as satisfactory to me as it will ever get. Evidently, it was too late as soon as they moved me to the BP brand without my permission in 2007 which explains why every time I called and asked to get my normal card back, all I got was another Chase BP card. No one bothered to tell me this until I complained formally here and there are not records as to why the card was switched in the first place according to the manager who called me.

Review: After realizing that I was charged from my card a restaurant purchase of $52.02, although I paid cash I called chase to have my money refunded . [redacted] told me that she will issue a refund and that I would still have -.43 remaining. I walked to the branch and deposited $1.00 in expectation of receiving my credit. I went fback around 9pm to check my account only to find that she noted that I needed a cash receipt in which I told her I didnt have . She noted I needed a receipt to receive the credit in which she said she would credit anyway. I spoke to [redacted]i from the San Antonio CE&I later that evening around 9:30 pm. I wish I never did. She was cthe rudest person I ever spoke to. She had cno sympathy for the fact that [redacted] from the Manila Branch lied to me . She eve\n told me that her shift was ending soon , there was others in front of me and she hung up on me. She stated that she was the highest in charge and there was nothing anyone else can do for me . If chase hires liars and rude people I dont want anything else to do with them. I also work for a public hospital as a payroll director and I will not stop fighting until my entire company stops using chase as a bank.Desired Settlement: I would like corrective action against the two employees. It is obvious they do not value thier jobs and do not need them. There are people out here that cant find work and these two are lying and being rude. I would also like my money back and an apology. Rudeness and lies is NEVER acceptable from a company I trust to handle my money.

Business

Response:

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 September 17, 2013. In order to protect consumer privacy, the consumer has been advised they have the option to share the resolution directly with you.

Review: I WOULD LIKE MY AMAZON CREDIT CARD CLOSED THAT IS HANDLED THROUGH THIS BANK AND FOR THE BANK TO PROMPTLY REPORT ACCOUNT CLOSED AND NEVER MISSED PAYMENTS TO ALL OF THE CREDIT BUREAUS.Desired Settlement: CLOSE CREDIT CARD AS REQUESTED AND REPORT TO CREDIT BUREAUS APPROPRIATELY

Business

Response:

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 September 13, 2013. 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.

Review: After several attempts to get a lower interest rate, I paid the amount shown on my e-statement as paid in full or full amount. After checking my statement that my payment had been received I call the company and told them to close my account. It was closed. However, I receive a bill in the next billing cycle of $55.33 interest. The auto-pay paid $55.00 leaving a balance of 33 cents. That 33 cents accrued interest of 48 cents.

I called customer service of this company and they waived the 48 cents but I still needed to pay the 33 cents (which I did over the phone with their customer specialist).

I told the customer specialist that the $55 they received from my auto pay should be refunded since I was not told that there would be other interest due when I closed the account. Of course, he did not address that but that I owed 33 cents to stop all of this.Desired Settlement: Refund and any negative report or feed back given by Chase be removed, corrected from all credit rating agencies.

Business

Response:

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 15, 2015. 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.

Review: Chase [redacted] - To this date Chase has STILL not provided a signed agreement and proof that identity was verified prior to granting this account. In addition it is reporting as a duplicate "double jeopardy" under the name LVNV Funding [redacted] whom has ALSO failed to produce the required validation. REMOVE IMMEDIATELY.Desired Settlement: Removal from my credit report.

Business

Response:

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 December 27, 2013. 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.

Review: My husband has a credit card with chase ending in 4519. He made late payments in 2012 unbeknownst to me. I am only an authorised user on this account not an account holder and this is being reported on my credit report as someone who makes late payments. I have never paid a bill late and this is costing me significantly on my credit report.Additionally chase is reporting that I have another card account as an authorised user open with them (via Transunion Credit report dated 27 March 2014) It does not display the account number in it's entirety, with a balance. I do not have any card with chase nor do I owe them any money. I have phoned 3 times and been told to submit in writing my requests to have this informtation corrected which I have done both via fax and in writing and to date (more than 30 days since my original request) have not recieved any assistance or response.Desired Settlement: Correction to my credit account with all 3 reporting agencies.

Business

Response:

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 April 4, 2014. 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.

Consumer

Response:

Review: I purchased two round-trip airline tickets February 4th 2015 from Chase Travel with my Chase Sapphire credit card for $999.64 for travel to Mexico beginning April 4th and ending April 11th. We arrived at the airport on April 11th for our departure home to learn the [redacted] flight had been cancelled even though I had the return ticket in my hand. Chase never gave our contact information to [redacted] so they could inform us about the cancelled flight and if I had known the flight had been cancelled I would have planned accordingly. Needing to get home I purchased two one-way tickets for $1071.54 each a total of $2143.08 from United Airlines for April 12th, the following day. I could not return on the Monday or Wednesday as [redacted] and Chase suggested, this would have forced me to use my personal time, hire a substitute teacher and jeopardize my relationships with my administrators.

We were forced to find lodging, transportation, and food for one more night which we had not planned for. If I had wanted to stay longer in Mexico I would have bought the appropriate tickets and planned for a longer stay.

[redacted] Airlines refunded the two cancelled tickets for $296.55 each a total of $593.10, which Chase has not processed and/or refunded to our Chase Sapphire credit card. This is legally our money.

I have worked with the local Chase branches they have denied our claim. I have worked with and completed the claims with Crawford & Company (apparently they process claims for Visa) they have denied our claim. Chase has escalated our claim to the executive level but 6 weeks after the fact have not taken any action. Our interest on the $2143.08 unwanted purchase is piling up and Chase apparently does not want to take responsibility. I have all of the documentation needed to support these claims as well.Desired Settlement: I would like Chase to refund the $593.10 from [redacted] Airlines. I would like Chase Bank to refund the two one-way tickets I had to purchase for $2143.08. At minimum I would like Chase to refund the difference between $2143.08 and $593.10 which is $1549.98. I am not asking Chase to cover food, lodging and transportation nor am I asking for the emotional distress I experienced having to travel with my doctor required emotional support dog for an extra unplanned day.

Business

Response:

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 June 2, 2015. 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.

Consumer

Response:

Review: The capricious, unwarranted and undisclosed closure of my personal credit accounts as well as the confiscation of nearly 190,000 reward points. The amount of inconvenience and personal embarrassment this action has caused me is immeasurable. I’d also like to point out that as of this evening these accounts are paid in full with no balance.Desired Settlement: The reinstatement of my accounts and restoration of my award points as well as remuneration for the inconvenience and personal embarrassment this action has caused me. A personal apology from Employee I[redacted] (whomever that may be), [redacted] of the Lending Services Department.

Business

Response:

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 September 16, 2013. 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.

Review: My wife and myself have had United Mileage Plus credit cards for over 15 years. These cards are carried by Chase. We have always paid our dues on time, and spent hundreds of thousands of dollars with the card, resulting in significant income for Chase.

On March 6 we receive a FedEx letter "signed" by [redacted], Senior VP Consumer Banking, saying « After careful consideration, we have decided that we will no longer offer personal and business banking accounts to current or former non-US officials, their immediate families or close associates. As a result, your Chase account(s) will be closed by February 10, 2105 ».

Not only did we receive this announcement nearly ONE MONTH after the closing took place, it is completely discriminatory as it has no grounds, no arguments, nothing that can be held against us. The fact that I work at the Consulate General of Switzerland is not more a reason to kick me out than my skin color or my gender.Desired Settlement: I want to have my United Mileage Plus by Chase credit card back and reactivated.

Business

Response:

Tell us why here...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 March 20 2015. 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.

Consumer

Response:

Review: Albertson's did not cancel my card transaction and my friend paid cash for the food. Chase refuses to pull the receipts and [redacted]s refuses and said to contact Chase.Desired Settlement: I want my money back. I was charged twice (my friend paid once) NOW

Business

Response:

This e-mail is to acknowledge receipt of your correspondence from [redacted]. Chase takes consumer feedback very seriously. We have fully reviewed this matter and a detailed response was provided written to the customer on July 15, 2014.

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]

Review: One of the credit cards that I called about was disputing Chase card [redacted]. During a debt management program settlement, we owed $8377 to them, and we received a 1099-C form Cancellation of Debt from Chase in the amount of $8425.20. We took this form to our CPA and it was reported in our taxes for the year 2012. We were under the impression that the debt was cancelled and/or forgiven. In a credit report we received, it showed we still owe them $9812.00. They used card #4010, which is the same # before the 3820. My wife Eva called and talked to their representative, [redacted]. She asked him for the Settlement Satisfaction letter form 1099, and he said that even if we got the form, that it was still not forgiven, and that we owed the debt and in our credit report for 7 years. In the mean time, high interest rates and late fees were being assessed. [redacted] said that the bank was not going to forgive the debt. Nothing different was ever mentioned from Chase after we received the 1099 form.Desired Settlement: Cancellation of Debt Satisfaction as claimed by 1099C form, since we have already paid taxes on it, and removal from credit report.

Business

Response:

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 2, 2014. 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.

Review: Made a payment to Chase on 03/22/2013 and credit report showed 30 days late for 03/2013. Chase has failed to update report and is providing invalid information to credit reporting agencies.Desired Settlement: Update credit report information with three bureaus to reflect my payment.

Business

Response:

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 29, 2014. 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.

Review: On 11/14/2013 we called in CHASE to make a payment over the phone in the amount of $15,000 but the chase representative got the checking account number wrong by one digit, it was keyed in [redacted].

We logged in online within minutes and noticed the typo and called CHASE right away to alert and correct this error, the CHASE representative assured us that the payment with the typo is canceled and a corrected payment is being processed.

To our surprise, CHASE processed both payments and charged us a $39.00 returned payment fee and our CHASE account is being penalized by holding all future payments for the next 90 days for manual verification.

We kindly request that you remove the payment hold on our account which creates an extra burden to our business operations during our busiest season of the year and credit the $39.00 returned payment fee. As it does not make any sense to penalize a customer for an error caused by a CHASE representative.

11/14/2013 Completed $15,000.00 Advisor Assisted TD BANK, NATIONAL ASSOCIATION [redacted]

11/14/2013 Returned $15,000.00 Advisor Assisted TD BANK, NATIONAL ASSOCIATION [redacted]Desired Settlement: 1) Remove payment hold.

2) Credit $39.00 return payment fee.

Business

Response:

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 December 9, 2013. 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.

Review: Chase has failed to remove fraudulent charges I reported 3 days ago-on 10/21/14 via their Customer Service Center E-mail and via [redacted]Desired Settlement: Reversal of charges & $35 non-responsive fee.

Business

Response:

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 November 6, 2014. 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.

Review: I had ordered frozen blue ray dvd and the dvd player when the box came it was damaged we refused the box and when I got my statement from amazon they only credited me back $27.11 for the frozen dvd the blueray dvd player was shipped by amazon in the same box I find it hard to believe that when we refused the box amazon got it back the way they sent it and is now crediting me $27.11 for the dvd but charging me $64.98 for the dvd player that was in the same box how did you get the box back and credit one item when there was 2 items in the box investigate this I am due a credit for $64.98 not a bill for thisDesired Settlement: I want credit back on my card for $64.98 since they got back a damaged package that they sent out

Review: Our chase credit card account was closed with undisclosed reasons. With the account closure, all reward points were forfeited. When we contacted them, we were told that this practice was in line with the card member agreement, but we felt that it is unfair, given that we are still responsible for any remaining balance with the account. Below is a copy of the letter of appeal we sent to Chase, which includes the details of what happened.

To whom it may concern,

We are writing this letter concerning our Chase credit card account that was recently closed.

First of all, as card members and Chase customers for many years, we would like to express our utmost astonishment and deepest disappointment at this hastily made decision, which in our opinion was both unfounded and unfair, especially given the lack of wrongdoings from our side.

We would also like to take this opportunity to share our unsatisfying experiences with the customer services that we received during the past few weeks:

After we learned that our Chase bank account was closed, we called the customer service regarding the credit card account on Dec 14 at around 6pm. We were told explicitly by a customer services representative that the banking and credit card services are separate operations; therefore, as long as we keep up with the payment, the closure of the bank account would not affect the credit card account whatsoever. Then, in merely a week, we were stupefied to find that our credit card account was closed. I simply hope that this outrageous piece of misinformation we were given is only an isolated case and does not represent the attitude Chase holds against its (former) customers as well as the par Chase sets for its customer services.

When we called the customer services again on Dec 21 regarding the account closure, we were told that all our reward points would be forfeited immediately (20,641 points, or $206.41). It might have been disclosed in the Cardmember Agreement as a part of termination rights entitles, but I could not help to be fascinated by the fact that, while we were reminded on numerous occasions by Chase that, despite the account closure, we are still responsible for any remaining balance on the account, Chase would so readily and conveniently shun its own responsibility. Furthermore, we have to point out that, if not misled by the conversation with customer services on Dec 14, we in fact would be able to redeem the reward points before the account closure. While we are confident that it was not a deliberate practice by Chase, the outcome nonetheless turned out to be extremely disappointing.

As loyal customers for many years, we feel that we are entitled to a better treatment from Chase. Hereby we request the decision to close our account to be reviewed and reconsidered. If it is not reversible, please grant us the remaining reward balance either in form of a check or apply it to the remaining balance we have on the account.Desired Settlement: We would like to have the points refunded to us as cash or applied to our remaining balance of the credit card account.

Business

Response:

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 March 10, 2014. 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.

Review: SUMMARY:2012: My CC limit from CHASE was reduced. I received a letter stating the specifics, the limit was reduced the same week I received the letter,I did not get a 45 day notice. I explained my situation to them, I was told there was nothing that can be done, increasing the limit any amount would be a risk to the Company. I was a card holder for almost 10 years with an excellent interest rate and no past issues. I started started paying late on my CC. Then I started receiving 7 or more calls a day every day with no message. I called explaining this was harassment, I was told that the numbers are called by a system & that I would not be called that many times a day,I was being called a liar. 2013: In January,my bank was trying to get a subordinate from Chase for my HELOC to refinance my mortgage and have not received any type of response from Chase in a month. I called Chase for status. I was told there was no request on my account. I told my bank. Few days later, my bank called me back- Chase lost the original request & has another request. They should have the subordinate by the end of the month. I than needed an Assignment of Mortgage from Chase. They requested the Assignment, but did not hear anything from Chase about 2-3 weeks. I called Chase and was told they do not have a request. Asked for supervisor or to escalate to find my request. I was told there is no number to escalate, only e-mails. Spoke to my bank, they gave me the e-mail & fax they used & always used for this request. 2 days later, called Chase & my request was found. Long story short, it took from April 9th to June 6th to get a correct Assignment. Got barely any calls - I left messages for everyone, racked up my cell bill, and Chase tried to save few $$ by making the font smaller on the Assignment than what was legally accepted and used a PO box on the legal doc for a physical address of the bank. The assignment was done 2X by Chase and they don't send directly to the town hall but through a company in CA to review it.Desired Settlement: I would like Chase to give me a fair $$ - I lost $500 a month due to their inability to get my requests for my refinance done in an appropriate amount of time. That $500 could have gone to other bills-Credit card payments, instead I generated more interest on my balance, my cell phone bill was racked up for several months because no one called me back, so I needed to continue to call to try to get a hold of someone. Also for the aggravation & stress I was going through trying to get my refinance

Business

Response:

Tell us why here...This e-mail is to acknowledge receipt ofyour correspondence. Chase takes consumer feedback very seriously. We havefully reviewed this matter and responded to the consumer on September 15, 2015. Theyshould receive our correspondence within 5 to 7 business days. In orderto protect consumer privacy, they have been advised they may share the responsedirectly with you.