JPMorgan Chase Credit Card

Review: Chase rejected my Visa Credit card application stating too many credit cards were opened during last 2 years. As far as I know only 2 credit cards were opened and I usually carry a zero balance on all my credit cards since I pay them off right away. As an example if I make a purchase today from my credit card then I pay it off today or tomorrow and my credit score is over 740. I am not new to chase and already had a banking relationship with chase for last 7 years and own a credit card from chase as well which has a zero balance. Chase publish promotions online which I called a bait to attract customers like me and reject them giving BS stories. I believe I was treated unfairly and approve my credit card application ASAP. I have over 20 years of good credit historyDesired Settlement: I believe I was treated unfairly and approve my credit card application ASAP.

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 August 14, 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: On 5/2013 my account [redacted] with Chase Card Services under Chase Bank USA with a credit limit of $3,300 was reported as delinquent past 30 days. I was enrolled in a payment plan with Chase Card Services to auto debit my bank checking account ending in 9265 to pay 75 dollars a month until the account was satisfied as paid in full. The account itself was closed from 4/2010 in acknowledgement of starting this payment plan with Chase. However Chase failed to notify me by mail or email or by any notification that I need to renew the auto pay as of that month to continue the plan services so that another 75 dollars would be drawn from my account. Because of the failure to notify Chase representative contacted me the subsequent month saying that 150 dollars was owed and I was stymied by this and asked for explanation. The answer was that the payment plan was a courtesy and they had no requirement to notify me of an impending late payment or a renewal of the contract. I thought this response seeing as that every payment was made without fail and on time was unethical on their part as they acknowledged that they had not contacted me to give the permission to renew the contract and yet now it was my responsibility to bear the seven year damage reported on my [redacted] reports. I felt this to be highly unreasonable and unethical on their part as now I am close to paying of the full amount with less than two months and yet this blemish shows that while they accept from logic that they did not do their due diligence on their end that I must bear the consequences of that failure to do so.Desired Settlement: As was promised I am requesting Chase Card Services under Chase Bank remove the derogatory remarks off of all three of the credit bureau reports as 30 days late and yet they acknowledged by way of their representative that they failed to notify me in April the preceding month of the renewal date of the contract for the auto pay and so it expired without my knowledge and without contact from them that an expiration of that was impending and as such I incurred damages on my credit report. I want them to remove that in fairness as every payment before and subsequent to that was made on a timely basis and that lapse was not from my negligence or unwillingness to pay the debt

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 31, 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 recently paid off their credit card $3,950.36 on 9/3/14, which is the due date for payment. I got online today and saw charges for interest of $67.76! HOW can they get away with charging me this additional interest when I paid them in FULL on 9/3? Statement amount was $3400+ but I wanted to pay the whole amount off which was $3,950.36 so I didn't accrue any more interest charges. I paid off GM card & Discover card of $13,000+ & $10,600+ respectfully and NEITHER of these companies are trying to make me pay any additional interest charges! I want Chase to remove those bogus charges as my balance was $0 on 9/5/14 when they added in to my account!Desired Settlement: I want Chase to remove those bogus charges as my balance was $0 when I paid this account off ON TIME on 9/3/14 and remove the amount from 9/5/14 when they added interest to my 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 September 17, 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 reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: I requested that Chase bank update the account as paid in full, but it still shows as owing a balance.

My credit reports still list the Chase account ending in 7172 as owing a large balance, even though I have paid that off. I have asked for a receipt of my payment and a statement from Chase saying that the account was indeed paid but I have not heard anything back yet. I would request an update from the bank, as I have paid the account and funds were taken from my bank months ago.Desired Settlement: If no proof can be provided that I indeed owed the amount shown on my credit report, I would request that the tradeline be removed from my reports.

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 13, 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: After I cancelled a credit card 6 years ago, they have charged me auto draft payments of 60$ per year as well as not identifying fraudulent charges totaling more than 20000$ in last three months. They never called nor questioned new activity on a presumably closed account 6-7 years later. They were negligent in duties to protect my private information and furthermore billed my bank account without my consent. I detected i9150$ paid to them which they have just acknowledged as fraudulent. This could have been avoided had they questioned these aberrant charges or correctly closed my account. They are processing the return of this money after 2 weeks of my calling them multiple times. They are unwilling to share insight as to any information from their investigation nor reimburse me for yearly fees for this card. They admitted that this should not have been missed yet seem unwilling to help me seek justice.Desired Settlement: Refund of 60$ yearly credit card fees for the last 6 years as I did not ask for this service and had no idea they billed me. Also I need all relevant data to help me bring the criminals who used my name to steal money from me to justice. I want an explanation as to what they are doing to prevent future people from dealing with this.

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.

Consumer

Response:

Review: I have been a Chase customer for many years. In addition to my bank account, I had Credit Card accounts. One of these accounts Ultimate Rewards points which can be redeemed for many options. I October 2014, Chase unilaterally closed my credit card accounts with no warning or explanation, except to say that Chase reviews accounts from time time time and may at their sole discretion close accounts. No amount of phone calls to customer service could resolve the issue or even explained what prompted the closure. In any case, I had accumulated 10,263 pints at that point. From the time of the account closure, I was no longer able to redeem the points. They were confiscated. I value these points at least at at 1.5 cents each, so this amounts to a loss of $153.Desired Settlement: I am requesting that Chase make these points available to me again, or alternatively, reimburse me in the conservative amount for $153 for the value of the Ultimate Rewards points.

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 August 28, 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 responded to an email to inform Chase that the 'security chip' had resulted in a decline and the transaction was approved when the card was appropriately inserted in the device with a chip reader. BECAUSE I CALLED CHASE TO INORM THEM THEY BLOCKED MY CARD.Desired Settlement: UNBLOCK MY CARD

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 February 6.2015 .They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been ad,ised they may share the response directly with you.

Review: My complaint is that this company (Marriott Rewards) continues to send me bills for past due amounts that I do not owe. The last payment I made was in January of 2013 and I cancelled the card right after that payment. No other charges were put on that card except now I am getting a bill for some annual fee they are trying to charge me and fees and interest charges adding up each month. I have called them several times and sent a written notice into them twice and they keep sending me this statement. I am at my wits end with this company. It seems like nobody can help me when I call and I get no response when I try to contact them and get this straigtened out by mail. Any help that you could be in the situation would be greatly appreciated. Thank you for your time.[redacted]Desired Settlement: I would just like them to quit sending me this statement. We do have another Chase card that we use each month and that is all we need. We pay that bill in full each month and I do not want to get my credit tarnished because of this companies mistake.

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 5 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: Being charged an $85 fee for Marriott Chase Visa card that I closed. Making sure this is expunged before I am charged a LATE fee ON TOP of this.

Being charged an $85 fee for Marriott Chase Visa card that I closed. Making sure this is expunged before I am charged a LATE fee ON TOP of this.Desired Settlement: Looking for the charge to be expunged and no late fee to be assessed

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 19, 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: December 2013, We contacted Chase and told them we had unauthorized charges on our checking account. We went to the branch in Newnan, GA. Filled out dispute forms. For over a month we called many times daily to Chase to try to get the charges reversed. They did finally get the charges reversed and the fees that Chased charged reversed. A couple of weeks later they reversed everything they did to fix our account without any notice. No one at Chase will help us now. They said we have to get our money from Target. Our account was not effected by the Target breach at Thanksgiving 2013. Today we received a statement from Chase showing they have charged off our account. Chase Bank is a fraud!

Product_Or_Service: Checking AccountDesired Settlement: DesiredSettlementID: Refund

We want our money from the unauthorized charges refunded and the fees Chase charged us refunded ASAP!

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 response was mailed directly to the consumer on March 5, 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: my card was overcharged, I contacted customer service over 7 times to resolve it, but got an answer that the charge is not going to be reversed.

In September 2013 I traveled to Costa Rica. My card was presented at the hotel Presidente upon checking in. After staying for 5 days upon checking out the hotel presented us with the charges we occurred and the WHOLE room bill was charged to my cousin's credit card (who was staying with me in the room at the Hotel). As a normal hotel practice before you can check out the bill for the room has to be settled. Which we did. Several days later I got a charge from the hotel and My credit card ending 2330 was charged $30.92 plus foreign fee of $0.92. I immediately contacted chase informing then that I did not authorized any additional charges from the hotel, the WHOLE room charge was settled upon checking out. After weeks of contacting CHASE it was not resolved. And now I get an email that my credit card number is stolen and is used in UK. The hotel overcharges me, I have to pay over $40, my credit company does not even want to listen and dispute my charge, and I am sure because my card was used overseas now my credit card info is stolen. Not only I have to wait to get a new card in the mail, I have to spend my time to change all of my automatic payments. It is not acceptable.Desired Settlement: Need an immediate dispute resolution for $30.92 and $0.92 on my card ending 2330.

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 15, 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: This probably has to deal more with billing or collection. Seeing how I can't get a response from the company, after sending at least 2 letters in regards to my account ending in 9710, about a settlement offer, that I would like to do on this account, I find I have no other recourse, but to go through the Revdex.com to help me handle this. Back in October, of 2010, I placed this account with a debt management company, known as Care One Debt Management, and was making monthly payments, until February of this year, when I fell on hard times, and could not make the payments. My account was removed from the debt management plan in March, but am still having difficulties with my financial obligation. When I started with the debt management program, my total bill was $2000 +, and I managed to pay off close to $1700 of this amount, leaving my bill at about $350 when I was removed from the program. My bill is now only $427.49 according to the statement I just received in the mail this past week. In my letter, I asked to do a settlement offer on this, seeing how it would only leave the company out of a little over $200. And as I stated, I have not heard anything in the last few weeks, letting me know either way if this settlement offer could be done. I feel since I paid back all, except the $350 at that time, because now late fees and interest have been added, that they would be open to a settlement offer.Desired Settlement: I would like for the company to do a settlement offer with me, and to please contact me via U.S. Postal Mail, as soon as possible.

I think this is a fair request, because like I said, they wouldn't be losing much, seeing how I repaid the bulk of the bill already, over the course of the last 3 years and 4 months. Had I not been removed from the debt management program, I would have had the entire bill paid off this month(May)or next month(June)of this year any way.

If they are not willing to do a settlement offer, I would at least like to have this account placed back with my debt management company, Care One Debt Management. These are the only 2 desired outcomes, I will accept.

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 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.

Consumer

Response:

Review: I applied for a Chase British Airways Visa through the British Airways website, which at the time was advertising a promotion where customers would receive 50k avios for spending $2000 in the first two months, and extra 25k for spending $10,000 in the first year, and an extra 25k for spending an additional $10,000 in the first year for a total of 100k potential avios. I spend over $10,000 in the first year, but Chase has refused to credit me the extra 25,000 avios claiming that offer is not attached to my account and I would have had to catch this error within the first 90 days of opening the account for them to remedy it (even though the spending wouldn't be done for a year). They also claim that the offer was by invitation only and that I was not eligible, but it was offered to the general public on the BA website and I have provided them with a screenshot of this. It's very disappointing that Chase will not honor their agreement after I've upheld my end of the deal.Desired Settlement: I would like to be credited the 25,000 avios that I am owed or refunded the $190 I have paid in annual fees, as this offer was the only reason I applied for the 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 May 14, 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 contacted the bank when I had this huge fraud issue with my account, since the first one we have had over 6 fraud issue with the same bank card. Of course the bank would be nice to return the money but not even of the fees. I have had over 1200.00 dollars in fees with you guys over the past couple years. I'm tired of getting over draft fees from fraud issue and they won't ever return them back. I'm in debt with you guys for $35.00 chargers costing of 1200.00Desired Settlement: I would like them to return the fees, I know they make bank on these chargers and I did contact a lawyer about my options. I would like the 1260. That I got from 36 over draft fees from different fraud occasions. I know there is more but my statements won't let me go back that far

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 12, 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:

Review: I have a credit card that reflects my score monthly. After receiving my score, I noticed a drop of 33 points in my score. I went to my credit report to investigate why. I saw that there is a Chase Freedom account on my report that I was not aware of. I do not have any type of Chase product. My roommate has a Chase Freedom. I have never used the card and was not aware or understanding while it was reflecting on my report. The balance on the card is over $2000, and I am not sure what limit is. I called Chase to immediately get it removed they said I had to have the account holder with me because I did not know the security questions. I called back with the account holder and was told they would remove the card and send a letter verifying that I was no longer on the account and that I had never used the card. They said that they would also notify there bureau and make a note on the overall Chase file. I would like this removed immediately. I have currently wrote a letter to all three bureaus, and I am trying to wait until Chase sends me the letter as verification so that I can get this removed off my report. I want it noted that the Revdex.com was contacted along with all the Bureaus and any other information.Desired Settlement: I would like for the Chase Freedom account ending in 1496 to be completely deleted off my account and not even show up or reflect on my report. I would also like my credit score information to be updated so that it may go back up to its original score.

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 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.

Review: Dear Madam or Sir: This complaint is regarding account number XXXX 8210 7588 1688 that appears in my credit reports. October 23, 2013 this company received a request based upon section 809(b) of the FDCPA for validation and production of documents via USPS (certified mail XXXX 1150 0001 7249 0681) but up to this date I have received nothing and they are claiming that they have no records of this account since they have sold it to another company that I have never received anything from them at all. Then on August 12, 2014 I sent another letter (XXXX 1640 0000 7952 5094) requesting removal of this item due to lack of ownership and lack of valid documentation and received the same response that claims no records due to sale of the account. For the third time on September 7, 2014 I sent another letter (XXXX 1640 0000 7952 5155) and requested this entity to stop violating the law and delete this item from my credit reports and up to this date I have received no response at all. This entity keeps verifying this item with the national credit bureaus when they have nothing in custody. I wanted them to provide specific information regarding this alleged account also provide transfer documentation if any. I am entitled to know based upon what documents they are verifying this account. Every single consumer law Including but not limited to the FCRA, the FACTA, the FDCPA, UCC and TILA give me the right to request documents for any claim and this company has deprived me of my legal rights. Why this company violates the law and gets away with it? This Entity does not respect the law. Your assistance in this matter will be greatly appreciated.Desired Settlement: This Company must remove (DELETE) their trade Line from my credit reports due to lack of ownership and lack of validation also clear violation of the FCRA.

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 have two credit cards from Chase. They have two different due dates and I was confused and paid both on the due date. They charged me for being 1 day late and I explained that they have two different due dates on computer and the way it reads is misleading.Desired Settlement: All I want is them to waive the $25 late fee and make due dates the same.

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 15, 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 refused to upgrade my Freedom credit card to be "signature" status despite utilizing the card non-stop, always paying on time, and having the minimum required credit line of $5,000.

On July 28th, I increased my credit limit to $5,000 for the purpose of being able to get "Visa Signature" status. I have always paid my credit card on time, and have used my card non-stop since getting it. I read on their website about the features of "Visa Signature" which stated that the card had to have a minimum credit line of $5,000 and came to the conclusion that it would be worth it to me, as I would find value from the concierge service. Upon being approved for the $5,000 CLI, I spoke to 2 customer service representatives who stated that Chase's automated system did not allow for them to switch my card to be "Signature" status at this point in time, despite fitting all of the qualifications of a signature cardholder. I am quite upset and confused as to why Chase has decided that i'm not "worthy" of signature status, and I would like someone from the executive office to fix thisDesired Settlement: I would like someone from the executive office to "override" Chase's automated denial of "product changing" my freedom card to be signature status due to the fact that I fit all of the qualifications to be a visa signature cardholder. I would like to keep the same card number, and would like a new "visa signature" version of the card sent to me in the mail.

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 10, 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 made a payment via my Credit Unions "Bill Pay Service" on 7/24/15 and at the end of the business day on 7/27/15 my payment still had not posted to my Freedom Visa Credit Card Account according to Chase's website. After calling Chase's Toll Free number of [redacted] and tolerating a very RUDE Customer Service Representative, he informed me that my payments WAS received on the 24th and would be posted on my account on the 28th.Desired Settlement: OIST MY PAYMENTS ON THE DAY THEY ARE RECEIVED!!!! NOT 2 BUSINESS DAYS LATER!!!!

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 3, 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 never received ANY response from the Business via email!!! I did receive a telephone call from the Executive Offices of Chase and I told them in that conversation "TO GET THEIR HEADS OF THEIR xxxx AND POST MY PAYMENTS ON THE DAY THEY ARE MADE!!! NOT 2 BUSINESS DAYS LATER!!! AND IMMEDIATELY HUNG THE TELEPHONE UP!!!" however I NEVER received ANYTHING via email!!!

Review: Approximately every 3 mos I get a letter stating I have an outstanding balance on this account which has been closed for nearly a year. I have documented bank draft payments that show I have met my obligation to them and they continue to bill me late fees and other charges on a closed account. I have repeatedly tried to resolve this over the phone but when I call they only harass me about making another payment. I have gotten no monthly statements for nearly the life of the open account and was the reason for closing the account. They claim they cannot send a paper copy but have an email address on file that they have been sending statements to. I have told them the email address they have on file has not been valid for over a year. The only paper communication I get from them are threatening letters about every 3 mos about past due balances. I find it interesting that they can send me these to my home address but cannot send my statements. Due to their negligence my credit score has been affected. Again I have copies of bank statements that show I have made these payments.Desired Settlement: I want them to leave me alone and report to the credit monitoring companies that I have fulfilled my debt to them and the previous reporting was done in error. I would like to be cc on the letter and sent certified mail that my account is closed and there will be no further action against me.

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 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.