JPMorgan Chase Credit Card

Review: Chase Bank posts charges to a credit card account daily during a billing cycle, and applies interest to each of those charges starting the day of posting. However, although the charge is in the balance on the account, and interest is being charged on that amount, the bank will not allow customers to payoff that balance until the next billing cycle. It blocks application of any payment amount to those charges that posted before the end of the bill round, and forces customers to incur interest charges on those balances.

Example:

Charge posts on January 1st.

Interest begins on that amount January 1st.

Bill round ends on January 10th.

Bank refuses to accept any payment to payoff that January 1st charge until January 10th.

Customer is forced to pay interest with no recourse between January 1st and January 10th.

Although these may be small amounts of interest, they apply this policy to millions of accounts and make a significant revenue by blocking payments that could stop the interest charges.

It is unethical to force customers to pay interest on a balance, and not allow customers to payoff that amount and stop the interest charges at any time during the bill round.

They claim that they do this in accordance with government policies, but I do not believe this.Desired Settlement: I want a refund of the interest that they forced me to pay between January 1st and the end of the bill round. If I cannot payoff that balance, they cannot charge me interest.

Review: A $39 charge for late payment is incredibly unethical. Customer Service unwilling to compromise and make an exception despite an incredible payment history and interest bearing account balances held. I'm not asking anything extraordinary, I pay interest monthly and a yearly fee. I won't need to ask for this exception again.Desired Settlement: Refund $39 charge.

Business

Response:

Tell us why here...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, 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: On December 15, 2014 I received a convenience checks from my Chase credit card. I spent an hour to read the details of this offer, including fine print. The offer was for 2% fee on balance transfers, purchases, or checking account deposits as a cash till Feb. 2016. I wanted to help my grandchild to pay one of his credit cards. He called to his bank and provided his credit card company with the check routing number and check number that was written on the check I received in mail. The print on the check clearly stated: "APR for Balance Transfers (check, phone, and online). So we used it over the phone. As of today my grandchild called and said the check was refused for the bank as NSF. He received failed check fees on his account $25.00, late fees $35.00 and interest charge for around $7.00. I called Chase Credit Services for explanation. They couldn't explain why the check was refused even though I have enough money to cover this check. After 10 minutes on hold, they explained that this check in not meant to be used for over-the-phone transactions. I don't understand why I wasn't aware of this? I truly believe many other customers are trying to use it same way and they run into same trouble. There is no word on this check, no word in a fine print that this check will be refused if used over-the-phone. The only warning is "We will decline any check(s) that exceed(s) your available credit line or $15,000 whichever is lower". It wasn't a case for my transaction.

Instead of helping my grandson, I run him into more debts because of additional fees and charges on his account.Desired Settlement: I would like to received a refund for $67.00 the amount of accumulated charges because of misrepresentation of services.

Business

Response:

Tell us why here...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, 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 been attempting a balance transfer from First Niagara bank to Chase Bank. For several weeks, both banks deducted the amount of the transfer from my credit limit, and every time I called each entity to find out when the balance transfer was to go through, I kept getting referred to the other party. As of today, neither credit card company has shown that I owe the balance that is in question. While I would love to not have a credit card balance, I know that this is incorrect and fear that somehow I will be penalized. So I have been trying to contact both companies and essentially each company continues to blame the other. I should not have to be some sort of powerless and meaningless arbitrator in this matter. They should be working with each other and not throwing this on me.Desired Settlement: For the balance transfer from First Niagara to Chase to be completed as originally requested, posting a balance on my Chase account and not having a balance on the First Niagara 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 July 30, 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. This matter was resolved in direct correspondence with a Chase executive several weeks ago.

Review: Chase closed me and my wife's checking/saving/Freedom CC accounts without giving any reasons. When we called chase and ask why, they replied they can't disclose any reasons and they can do so without any explanation and prior notice. We have been always paying cc on time, earning 70k+/each of us, and both of us have been with Chase for over 2 years. The only reason I can think of is that we recently get married and received some cash from families. But Chase never asks us the source of cash deposit or allow us to explain the situation. The way Chase just rudely closed all our accounts just make me very mad.Desired Settlement: We still likes Chase Freedom credit card and we used it a lot. I don't expect Chase will change anything since they are too big to change any policy.

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 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.

Review: I called Chase on 7-8-13 at [redacted] to inquire about a promotion they were having. If you spend $2000.00 within the firtst three months I would receive 32 reward credits on my next bill. The rep told me I had to spend an additioal $630 before 8-11-13 to receive that promotion. I called 9-16-13 because the rewards hadnt posted, I was told they would put in a request. I called back 10-11-13 and talk to [redacted] and she confirmed I spent that anot within the time frame and she and a manager reviewed my account and put in a request. I received another letter stated I didnt meet the deadline. I called back and spoke with [redacted] who spoke with the Manager who listened to the phone call on 7-8-13 and agreed that we spoke about the promotion and that I called to get the promotion and that I did spend the correct account in the 3 months he put in another request and my statement billed today 10-16-13 and I still didnt receive my 32 reward credits.Desired Settlement: I would like my 32 rewards credit because I spent $2000 in the first three months or credit my account $2000. I wouldnt have spent that amount if I wasnt going to receive the rewards as promised.

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 18 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.

Review: My 9-year-old son Logan figured out my iTunes password and in five days made $2749.10 in-app purchases on his iPad without my permission and billed to my Chase credit card. I attempted to dispute these charges as unauthorized with Chase, a customer representative told me that in order for them to recognize the charges as unauthorized I would have to BRING CHARGES AGAINST MY 9-YEAR-OLD SON. This is outrageous. According to the Truth in Lending Act, I am only responsible for $50 of unauthorized purchases. I am also unhappy about their failure to decline purchases and contact me concerning them, when it is quite obvious that this was aberrant purchasing behavior.Desired Settlement: Refund of $2749.10 minus $50.

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

Review: Chase is charging interest on a credit card balance that was paid in full before due date and will not reverse chargesDesired Settlement: refund $81.89 in invalid 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 April 24, 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 was told I would get a refund check from Chase Freedom of $98 sent out to me 7-10 business Days from March 8th,2015. On March 17th I called chase freedom back because I did not yet receive the check from them. I was told they are going to send it out again and should be here 7-10 business Days. Today is March 31st and still have not received the check.I called customer service And spoke to a supervisor and he told me that on March 17th the supervisor Bianca Luna did not put in the codes for the refund check that I was supposed to get so today the supervisor told me that he just put in another request for my refund check and it would take 7 to 10 business days and I told him that its been almost a month and I need my refund check right away I am relying on that and he told me he couldn't do anything for me and I told him since his supervisor messed up I have to go without again he said he was sorry but there's nothing he could doDesired Settlement: My refund check sent fast than 7 to 10 business Days. We are a low income family and really need the money faster

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 13, 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 two credit cards with Chase Bank (freedom card & Sapphire card) They were both closed recently due to "retail banking relationship being closed" I have never been late on my credit card. The reasoning for closure doesn't explain what I did wrong. My personal credit report will now be affected because it will say "closed by credit guarantor."Desired Settlement: I want the credit cards re-opened!

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 January 9, 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 beginning making payments with Chase for my Circuit City Card through CareOne a debt solutions company I thought everything was going well. Then one day I received a call from a woman who stated she was an attorney and wanted the full payment from me for what I owed and threatened to take me to court if I could promise to pay. I needless to say was disappointed that Chase decided to back out of the arrangement to allow me to pay off my debt through this program and now all of a sudden was trying to force me to pay something I couldn't.Desired Settlement: I wish they would accept the program again and allow me to pay my debt and fix my credit.

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.

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: Dear Sir or Madam,I am disputing the Chase Bank USA account that is on my credit report with you. It is the only Chase Bank USA account listed. The account number is [redacted] according to my reports. This is not my account. I dont have a Chase Bank credit card nor did I ever order or use chase credit card. I dont know if this is identity theft or if you or Chase Bank made a mistake and put this on my reports.But regardless of how it got on there, please delete it and make sure it does not reappear on my reports.

Product_Or_Service: Credit card

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation)

Please completely delete and removed 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 January 9, 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 was very surprised to find out my Chase Credit Card was charged with interests since I've set up auto payment and I have a sufficient amount of money to pay in full anyway. I was travelling the whole month in July and didn't get a chance to check into the account. I called Chase up and went to a local branch and they declined to waive the interests for me. Chase said because I set up the payment with minimum pay rather than pay in full, which was surprising to me as well. And it never occurred in the past months, so I thought the auto payment would just do the job for me. I think I trust on the system too much, but Chase as a bank just tries to steal any penny they can from every consumer these days. Sometimes when I travel overseas and have problems getting into the banking systems with BOA or Citibank, which might lead to late payment of my credit card, they will always waive fee if it's the first time and my intention wasn't paying late. But Chase doesn't seem to care much about their customers as their peers do.Desired Settlement: I'm asking for a full refund of the interest charge in July. Also for every other customers, I recommend Chase to explain the policy in full and alert customers if they want to charge some ridiculous fees for their own good. Thanks.

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 7, 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 called Chase and spoke with a representative about their services for active duty military members. I had heard that the annual fee for their MileagePlus Club credit card was waived as well as interest fees reduced for active duty military members. This advertisement makes the company appear military-friendly. However, after speaking with the representative, this criteria only applies to customers who had already opened this card prior to their service. I feel this criteria misrepresents the "military-friendly" advertising technique. As an active duty service member seeking out benefits for service members, this criteria does not benefit me nor my comrades in any way. Given the majority of active duty military service members join the service between the ages of 18 and 23, the probability of these people opening a near $500/year credit card is low. In addition, the OLDEST age a person can be to join the military is 35. At this age, this credit card is just barely becoming affordable. Thus, the percentage of people who would satisfy the criteria of having opened this credit card prior to service is overwhelmingly low. In conclusion, this company advertises a military friendliness that is false, and the annual fee should be waved for all active duty service members DURING their time of service.Desired Settlement: I would like to have United MileagePlus Club credit card with the annual fee waived and interest rates lowered for the duration that I am an active duty service member.

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: 2 years ago I disputed the acoount [redacted] that Chase reported on my credit bureau report and they promptly deleted it. Recently I checked my credit report and was amazed to see that it was re-inserted again. Please delete it asap and make sure that it never apears on my report again.Desired Settlement: DesiredSettlementID: Other (requires explanation)

Please delete this inaccurate account asap and make sure that it never apears on my report again.

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 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.

I have banked with chase bank for over 4 years now and not until this year have I been so disappointed in this bank to the point where I have made the decision to leave this bank and never return. Customer service is the worst and not to mention that they will not honor there customers and what there customers use them for. I chose this bank out of trust. And they broke that trust by just allowing someone with out my authorization run my card and pull my money from my account. They have broken my trust as far as allowing my famy to place our money in there care.

Review: THERE IS A LATE PAYMENT SHOWING ON MY ACCOUNT THAT REFLECTS ON MY CREDIT REPORT. I WAS NEVER LATE ON THIS ACCOUNT ON SEPTEMBER 2008 , I SPOKE WITH THE COMPANY ABOUT THIS AND THEY HAVE REMOVED THE DEROGATORY INFORMATION FROM MY ACCOUNT. HOWEVER, THIS LATE PAYMENT STILL SHOWS UP ON MY ACCOUNT WHEN I REVIEWED A COPY OF MY CREDIT REPORT.

Account Number: [redacted]....

Date Opened: 09/2007

Status: Open.

My Social Security # XXX-XX-9268Desired Settlement: HAVE THE DEROGATORY INFORMATION REMOVED FROM MY ACCOUNT AS I WAS NEVER LATE AND COMPANY PROMISED TO HAVE IT REMOVED, THIS IS NOT FAIR.

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 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.

Review: In June 2014, I made a reservation for a hotel in Switzerland. Through email communication, I asked about the room conditions, and the hotel management emailed me, PROMISING to provide me a room that had complete privacy from the hotel personnel.

However, when I went to the hotel, I saw that it was not the case. The room of the hotel chief was inside the room that I was staying. Besides, the hotel staff used to enter my room in the morning, during daytime, and in the evening, at leas like 20 times per day. It was NOT for room service or room cleaning. It was just for like they were arriving at the hotel in the morning, and then they were loudly dropping their backpacks in the room. During the day, they were entering the room SEVERAL times loudly to pick up something from their backpacks. Or sometimes, they were having arguments with each other, and they were making their arguments in the room, while I was trying to catch some sleep. My sleep was interrupted several times, I was woken up numerous times, and I DID NOT RECEIVE THE SERVICE AS OFFICIALLY AGREED.

I documented the fact that I did not receive the service as agreed through a notary-certified document, and I sent a copy of the notary-certified document to Chase Credit Card Services and asked them to reverse the transaction and give me credit. However, they did not pay attention to detail, and they failed to handle the case fairly. Even though I proved the fact that I did not receive the service as agreed, Chase Credit Card Services failed to follow the appropriate steps, and they failed to honor the credit refund policy. Indeed, all they did was no more than sending me some short generic messages without even properly analyzing the case.Desired Settlement: I would like the transaction with Berghüs Grünsee to immediately reversed, and the credit card credit refunded to me. Since I provided notary-certified evidence that I did not receive the service as agreed, Chase Credit Card Services has to honor the credit refund policy and return me the amount of the transaction by reversing the transaction.

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 24, 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 have a Chase/Amazon visa credit card I called in on time back in March to make a payment I wanted to pay my credit card balance in full so I would not have any interest fees at that time I had a representative that was taking my payment ask me which bank account that I wanted with drawn from.I explained that one account had a $0 balance and that I couldn't use that account and I had another bank account on file that I would like to use.

I explained that the last time I used account that had a $0 balance I made a 72 dollar and cents. she advised me that she looked back and seen the transaction history and she knew the correct account to debit the funds from so I authorized the payment. A amonth later I get a letter saying that my payment did not go threw and I was charged a $25 fee. I called right away and tried to resolve this I said to withdraw it from my other account and waive the fee. They would not waive the fee even though they had my account information that has the money in it the whole time they could have called me & explained what happened and asked my authorization to withdraw from the other account. I have serious health problems that I've been outta work for over a yr. with no income I cannot afford to be out of $25. I'm willing to pay the account in full once they waive the fee and they could close the account if they no longer want my businessDesired Settlement: $25 fee waived from my April statement

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 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.

Review: Changes to reward policy after years of service and not honoring reward points earned under old policy.

Chase Amazon.com Credit card had a reward policy in place for several years, and although I understand they can change the policy, I believe this should be a go forward basis and that the points I earned under the policy that was in place when I signed up and over the past several years should be honored. Especially given that I've always paid on time and use this card exclusively. Several calls to customer service was no help. They will not honor their older policy, even when the large majority of the points earned were under that policy and being saved to use it.Desired Settlement: Given that the older policy, I could use 50,000 points for an $800 flight, and now the $800 flight will cost me 80,000 points, I request either $300 to use towards my upcoming travel, or 30,000 additional points to my account for use.

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 January 22, 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. At this time, Chase Rewards says they will honor the old policy and have remarked this in their system when I am ready to make my travel reservation.