JPMorgan Chase Credit Card

Review: Set account for Autopay of full amount. Auto payment was made only for lesser amount. I noticed this BEFORE the statement closing date and immediately went online, four days after the payment date, to make the payment. After I had made full payment, I was nevertheless charged about $350 in interest. I had requested closure of my account but merchant has thus far failed to close it.

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 3rd . 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: Credit Card Interest Fees charged after paying off account balance in full.

Chase Freedom VISA account ending in 4122, name on credit card: [redacted], expiration date 01/16. I made a payment on August 5, 2014 of $17,357.75 to clear my account balance. On August 10, 2014 Chase charged me interest fees of $157.18. I contacted Customer Service and they verified both transactions (payment in full on the account and charge of interest fees). I verified that I had been a cardmember in good standing since 2008 and requested a removal of the interest charges on my account. I was told there was nothing that could be done for me and I indicated that I would be making a final payment and closing the account. The customer service agent reiterated that I would receive no assistance with my request.Desired Settlement: Removal of $157.18 interest charge from my Chase Freedom VISA credit card account ending in 4122.

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 21, 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:

I have spoken to an Executive Assistant at JP Morgan Chase and she reiterated the company's position being that they were unwilling to consider my request. Based on this conversation, I made a final payment and closed the account. I would like it noted that when informing the representative that I filed a complaint with the Revdex.com her response was, "It doesn't matter, as company policy we do not reply to any inquiries from the Revdex.com."

Review: I took advantage of my credit card's price protection program. When filing my claim their third party vendor failed to mention my purchase would not be covered until after they reviewed my documentation.

The Chase Sapphire Preferred Guide to Benefits mentions under the price protection program that jewelry is excluded, but does not explicitly mention watches. I purchased my watch at a watch retailer, not a jeweler. The store where I acquired the item describes itself as:

"...the preeminent purveyor of fine watches, striving to deliver a first class customer experience. As the largest authorized watch retailer in the United States, ...has stores nationwide and welcomes 4 million plus visitors annually. Our unmatched selection of over 8,000 styles from nearly 100 brands, offering of the largest certified pre-owned watch collection, stellar watchmaking craft, and expert service & repairs have earned our reputation as the Watch Authority."

Nowhere in this text does the store directly link watches to being jewelry.

Additionally, the retailer I found the price cheaper at categorically separates watches from jewelry: http://www.jomashop.com.

If Chase wanted to exclude watches from their price protection, it should've been separately mentioned within the text of the Chase Sapphire Preferred Guide to Benefits.

I also find it inconvenient that their third party vendor will not issue a credit card statement credit, but has to physically mail a check for benefit claims.Desired Settlement: I would like a $500 credit.

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 10, 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.

Consumer

Response:

Review: I protest the unfair late fee of $25.00 on 11/25/2014 for account number ending in 1852. I very rarely make a late payment and have a good record of payment.Desired Settlement: Refund of $25.00 plus rollback of any increase in APR%.

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 February 4, 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: I have had a Slate Credit Card for several years. Slate sent me several promotional checks and I wrote one to transfer a balance from my Wife's credit card. Slate tried to contact me and I got in touch with them. They refused the balance transfer and said that I needed to verify my identity. I gave them the information but they said that it did not match. I have been paying off this credit card for the time that I have had it. They tried to find out my information and I said that I had froze my credit with all three credit agencies. It cost me thirty dollars. They then wanted me to go to a facility of theirs to confirm my identity but none were close enough. They said that they would be canceling my card because I did not provide the needed information. They have since canceled my account but they are allowing me to pay off a 1000. dollar charge. After their cancelation, they sent more promo checks to transfer balances!! Of course this is itic I have been a faithful customer and paid my debts and this should be confirmed by them. Their checks were sent to my address and the check had my signature on it.Desired Settlement: I want a apology, my card, and my reputation restored!

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 5, 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: In reviewing my credit report, Chase (account ending in 6649) is reporting a 1 time 30 day late payment in October 2009. This is not correct. Chase is also reporting the account was closed in 2014. This is not correct, it was closed on June 16, 2009. I have attached a letter sent directly from Chase that states this. I am attempting to purchase a home and this incorrect reporting is bringing down my credit score. This needs to be correct immediately as time is of the essence.Desired Settlement: Removing the 30 day late payment reporting to all 3 credit bureaus, reflecting a correct close date of June 16, 2009, and an apology.

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 21, 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: So you suspended my checking account without recourse and then close the website so I cannot access my credit card account. So how am I supposed to pay my credit card? Where is my paper5 statement?Desired Settlement: Fix the issues

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 verbally via telephone on February 25, 2014. In order to protect consumer privacy, the consumer has been advised they have the option to share the resolution directly with you.

Review: On Monday, 7/20/15, I was referred to a specialized phone number for balance information and payment options for a closed out credit card. The representative I spoke to kept me on hold because he "could not find my account", and when he returned, he said he still could not find it gave me another phone number. The followign day, I called that number and a new rep said the sames thing...that she was unable to find the collection agency my account was sent to. But, she said she would follow up with me within 24-hourse. However, I have not recieved a call and I do not want to call back in to be passed around again. I just want to know my account balance so I may begin payments. Your assistance is greatly appreciated.Desired Settlement: DesiredSettlementID: Contact by the Business

Information about my account and payment arrangements

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 August 4, 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: Chase credit card mistakenly charge $1130.78 from my checking account on Aug 21 and returned the same amount on Aug 25. I never scheduled this payment. Because of this mistake, I was charged $35 of overdraft fee. I contacted the costumer service and the lady did not want to admit this mistake.Desired Settlement: I want to get $35 reimburse of the overdraft fee.

Business

Response:

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 02, 2015.They should receive our correspondence within 5 to 7 business days. Inorder to protect consumer privacy, they have been advised they may share theresponse directly with you. Tell us why here...

Review: Chase Bank denied credit because of an old phone number on my credit report with Equifax. Equifax will not let me update my phone number. I answered the security questions asked by Chase and they still denied my application. They called at my correct number but denied because of an old phone number at which I could not be reached.Desired Settlement: DesiredSettlementID: Other (requires explanation)

Accept my application based on current circumstances not old information that Equifax will not let me update.

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 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: I am a cardholder of Chase United MileagePlus Explorer. Based on the card term, as long as I purchased United air ticket using the card, I will get my first checked-in baggage free.

I did use the card to purchase the air ticket for Oct 4th, United 1100 from NJ to Seattle. The credit card statement clearly shows the transaction on September 20th, the date I bought the ticket.

But United refused to honor the contract and claimed that I paid the ticket with one card, which I do not have. So I was forced to pay the 25 dollars baggage fee.

Since the card is operated by chase and I bought ticket through chase travel, I filed this complaint against chase.Desired Settlement: The United and chase should refund my baggage fee and apologize.

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 October 22, 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: Chase charged of and closed a credit card I was late making payments on due to the death of my spouse.

I have disputed the charge off and closing of this account with the Credit Bureaus. I was never notified the account would be charged off or closed. I would like the negative file removed from my credit report The card number is [redacted] Rest of info from credit file is as follows:CHASE 2015-04 2009-08 Revolving [redacted] ACCOUNT DELINQUENT 150 DAYS PAST DUE DATE LAST REPORTED DELINQUENCIES: 03/2013=R9 CONSUMER DISPUTES THIS ACCOUNT INFORMATION CHARGED OFF ACCOUNT CHARGE OFF ACCOUNT CLOSED BY CREDITDesired Settlement: Remove negative account from credit reporting 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 May 18, 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: I have been a credit card holder with Chase for the last 8 years. My account is in good standing with regular payments. I am requested a lower interest rate on this account. It has come to my attention that I am currently paying 29.24% on my Chase account. I would like a rate reduction to a rate that represents my above average credit rating. Of 726. While our other card issuers are charging us far less I would like a rate of 15- 19% per annum. The 29% rate being charged is unjustified at this time. The Card is used for our business and carries high balance. However we make regular over the minimum payment required. In addition, the high interest rate is impeding our ability to pay down the balance quickly. A more reasonable an appropriate interest rate will allow us to manage the card appropriately and reduce the balance amount. Thank you for your attention to my request.Desired Settlement: Lower Interest rate on Credit Card

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 August 12, 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: I accessed my Chase credit card account online to change my banking information for my auto payment plan. Specifically, I updated only my bank account information. I made sure to keep everything else the same (payment date, pay balance in full, etc.). I subsequently found out Chase defaulted my payment amount to "minimum amount due" without my permission. I incurred interest charges. I attempted to get the charges reversed without success. Chase said there's no proof it was their fault so they would not make an adjustment. Yet, they could not in any way show that I changed the default payment to minimum or that I approved the change. One rep said, "There's no way of knowing if was your fault or our fault." Despite their inability to demonstrate that I authorized the change, they would not accommodate me. Even meeting me half way (refunding 50% of the interest charge) would have satisfied me.Desired Settlement: Refund of interest charges.

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 June 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.

Review: Two credit card accounts were closed without my consent. The accounts were closed by Chase because they held balances on them. Both of the balances were incorrect and should have been zero. A Revdex.com complaint was filed during the period the accounts were closed. The complaint was resolved and the accounts returned to the correct balance of zero but the accounts were also closed at the same time. The representative assigned to my complaint said she could not help me. I have send emails on chase's secure website and yet again the customer service reps are saying there is nothing they can do about these accounts.Desired Settlement: Reinstate both accounts. Closed accounts hurts credit reports.

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 Nov. 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:

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

Review: I have been paying on time for quiet sometime until this year, which has been a problem on the billing receiving my mail. If I did not received the billing , a late charge is billed for sure on the next mailing that I received! They say they waiver the late fee, but will not change the amount due, due their system, which I find very unusual. This has been going on for sometime. I talk to one of their reps. about it, and said that it was not their problem cause they contract it out for billing and mailing. Then they try to convert me to on line payment or make an payment of amount due, I had told them this is repeating itself again, but nothing being done about their flaw in the system, So here I'm filing a complaint on them. I have two accounts with them, and both have the same problem. I know my mail is coming in and I do have a system that I been dong for years on mailing bills out. So if I don't receive the billing, it does not get paid due to their cracks in the system. Thank You for your time of my complaint.Desired Settlement: Correct their billings system some people can get their bills paid on time, instead of late fees on their part. Not going to happen with me. I'm done dealing with them and their services.

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 June 3, 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 09/21/15, I completed the terms of a settlement agreement offered by chase on my account ending in 4359, but it was never appropriately reported to the credit reporting agencies. When I made my payment of $ 736.87 to settle the account I was informed that chase will report my settlement to the credit reporting agencies reflecting a zero balance due. However, my credit reports are still noting a balance of $976 even after called all 3 credit reporting agencies to dispute account/presented the proper documentation and also called and spoke with a representative of chase to report the issue but I informed it was going to take more time to get resolved. This issue is affecting my credit score and my ability to get credit at this time.Desired Settlement: I would like for this account to be removed from my 3 credit reports/credit 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 November 12, 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. Tell us why here...

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.

Review: Application Number: [redacted] Date Submitted: 11/29/2014

I applied for a HELOC on 11/29/2014, and my application was handled by [redacted]. My application was conditionally approved, based on my wife and I's credit history. Throughout the process, there were numerous delays.

1. Holiday vacations. [redacted] was out of the office. I can't blame her for taking vacation. However, someone should have been handling my file. I called twice during her vacation and asked for a manager call back to confirm everything was moving along as planned, and I received nothing

2. Lien on my house: The title came back on 12/3. At this point, [redacted] knew I had a lien on my property. Why she waited until 1/5 to mention something, I will never know.

3. Wife's employment verification: Had [redacted] done this in the first 4 weeks, she wouldn't have had a problem. However, she waited until after my wife's school started their Christmas vacation. Therefore, an employee verification couldn't be done until 1/4/2015

It seems like my loan should have been handled much sooner, and I spent a massive amount of time gathering information for this application.

Due to the length of time, a new credit report had to be taken.

I stated to [redacted] every week the urgency. I have family coming down the week of 1/11 to help on the renovation. Not only have I wasted the money on buying my uncle's plane ticket, he basically won't be doing any work for us.

To expedite getting renovations ready for my uncle, I decided to take money out of our savings account and lean on credit cards to supplement daily spending. My thought was I would pay myself back with the HELOC to even everything out.

In result of this, my credit score has dropped, and Chase has decided to deny my HELOC application.

And now that I've basically emptied my savings to get ready for my uncle, I now have insufficient funds for my property taxes

I will be able to pay for them in February, however, it is going to cost me $302 in penalties for the delay.Desired Settlement: Please contact [redacted] at 4[redacted] I expect to be repaid for my property tax penalties. [redacted] had mentioned if they ran my credit score on 11/29, I would have been denied. Therefore, Chase has successfully dragged me along a useless process for a month and a half.

I also expect to be refunded for purchasing my uncle's plane ticket. I never would have purchased it had I know I wouldn't be approved for a HELOC

Grand total, $602

Contact me if you have any questions

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 January 12, 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 had contacted Chase customer service in December 2013 during my visit to Dubai. I lost my credit card and reported lost, later I found out I was charged from "Arabian Nights" for $ 303. Chase issued a fraud claim and later came back with a receipt from the vendor with my signature on it. I had requested Chase to send me the receipt which I have not received yet. Also, I know I have not authorized this transaction and this is a fraud. Regardless I was charged for it and I also made a payment. I just don't want to deal with Chase anymore, and if they fail to take care of it I will just request them to discontinue my credit card.Desired Settlement: I was charged for it and I also made a payment. I just don't want to deal with Chase anymore, and if they fail to take care of it I will just request them to discontinue my credit card.

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 February 26, 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: Their credit card (Chase Freedom) charged interest 10 days after the card was completely paid in full. ( 3/17/15) The card was paid off 7 days before the due date. (3/24/15) I was charged interest on a zero balance! (April 2015 statement) I called customer service which claimed it was interest from 2 months ago (February) and even though they claimed I only get charged on the month it was carrying a balance and not paid off by the due date...they tried to say that is what happened. The April statement shows I paid everything off by 3/17/15 and they charged the interest on 3/27/15. Ten days after being paid off.Desired Settlement: It's not much money but it's impossible to quit paying and drop the card if they end up charging interest on a zero balance! It's paid off! I want out!

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 April 16, 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.