JPMorgan Chase Credit Card

Review: Chase removed fraudulant charges on my credit card in Nov 2012. Chase reinstated the charges in Feb 2013 plus accrued interest. I did not authorize the subject charges. Chase agrees that I didn't authorize the subject charges. I have received no service or product for these charges. Chase says "this type of charge" is not covered by the monthly Fraud Protection Insurance that I paid Chase because Chase says I gave the card number to someone on the phone. This is rediculous of course since I did not authorize the charges (multiple). Subsequently, Chase notified the 3 main credit reporting agencies of a default in my account and my credit score fell from 790 to 614. Equifax, Transunion, and Experian have all refused to exclude Chase data that affects my credit rating. In this regard I also have a complaint against them. Two different people at Chase said if they had a police report then Chase would credit the charges back. Chase acknowledges a copy of the police report faxed to their office and yet the charges are not dropped. In addition, Chase has put the subject charges into collection and there is no one to discuss this with. Chase's actions are in violation of the Truth in Lending Act, Consumer Protection Act (Washington State = RCW 19.86) and Chase is in breach of contract since I paid them for fraud insurance (automatic payment monthly) and yet Chase says fraud insurance doesn't apply in this case. And Chase agrees it is fraud and that I didn't endorse the charges. I need help in resolving this case. Other credit companies have closed accounts that I have developed for decades. I can't get a mortgage and have to pay higher interest until this is fixed.

Product_Or_Service: noneDesired Settlement: DesiredSettlementID: Refund

Drop the charges and Chase properly report to the credit reporting agencies that I was not in default and send me a credit report proving my 35 years of outstanding credit is outstanding once 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 October 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: I paid the balance in full, now they are charging interest charges of 53.65. After I paid the balance in full! I called them to remove the charges and they refused. I had another card I paid off with chase and they removed the charges on the other account, so why not this one too?Desired Settlement: They remove the finance charges charging me for paying off the card.

Review: I called Chase credit card paid my final bill and asked the representative to close my account. She said that she will close my account and send me a new card. I specifically told her her that I did not need one. In the next few weeks I got a new card in the mail anyway.

In my mind I had closed the account and when I got my new card I did not activate it. the card was under my name and my business name Biodam Inc.

I still got my statements and I saw that they were still charging my new card even though it was not activated.

I called the bank at least 10 times and wasted a lot of my time to resolve this. They started adding fees on fees to the charge that was not supposed to be paid.

Their explanation was that these are recurring charges and that I have to contact the customer to stop charging.

Last month I got to the manager and she explained that the company was not supposed to charge a card that ending in (7179) that was not activated. She wrote in her notes that she will send me an apology letter and take care of all the charges and find a resolution to the matter. She said to call back in 15 business days.

I called back in 15 days to find out what happened and the ETA for my letter. The manager said that they are not sending me any letter and that I have to pay in full to get my resolution.

Due to their actions, I am being penalized with a bad credit rating, High interest rates for credit.

Please find a resolution to this soonDesired Settlement: Remove all charges

Remove all negative reports from all the three credit agencies in regards to this matter.

Remove all credit cards that are active with my name and Biodam Inc.

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 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.

Consumer

Response:

Review: I sent a letter before this one on September 1, 2014 and in July 2014. I need to know if this problem with be resolved or adressed. I called chase today to ask if they were fixing the problem and they complete dismissed me and pretend to not know what I was talking about.Desired Settlement: To be given my money back.

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, 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 bought a LV purse and wallet on 2/12/2013 sent it back they signed for it and said they would refund me and I still don't have my refund.

I ordered a Louis Vuitton Monogram Canvas zippy wallet and Monogram Canvas Galliera PM purse from www.sorefined.com on 2/12/2013. My order number is [redacted]. I used my chase Visa card to make the purchase. I didn't like the wallet or purse so I sent it back via UPS on 2/25/2013. A person named [redacted] signed for it on 2/28/2013. The tracking number is [redacted] I received an email on 3/6/2013 that said they received the merchandise and I would get a refund within 10 to 15 business days. I called and called and was told I would get the refund but never did. I called chase and disputed the charge and they are saying there is nothing they can do. The price was $1760.00 plus 9.95 for shipping and handling. The sales rep name is [redacted] It has been 7 months and no refund!!Desired Settlement: I would like to get the $1760.00 refunded to my chase Visa card. Here is a copy of the email from the company but still no refund:

From:

Date: March 6, 2013, 2:07:15 PM CST

To:

Subject: We have received your return(s)

Dear Customer,

Good news! We have received your returned package. This e-mail is a confirmation of your received package of the return and/or exchange. For a refund, you should see a credit on your next billing statement, which approximately takes up to 10-15 business days. Thank you for your cooperation, if you have any further inquiries please feel free to contact us.

Thank You,

Customer Service

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.

Review: Chase Bank is willfully reporting an inaccurate & unverifiable credit card account to my Equifax, Experian & TransUnion credit reports. The account in question originated with Providian in 2003, was transferred to Washington Mutual and then purchased by Chase.

Over a year ago by bureau dispute Chase was informed that they are reporting contradictory opening dates for this account. The opening dates are reported as Equifax: 07/01/2003 & TransUnion: 07/28/2003. As of today, they still have not resolved that simple dispute and continue to report contradictory opening dates. That failure is because this account was not opened with Chase and by their own admission, they have no actual documentation proving the opening date.

I requested a copy of the original application and monthly statements from Chase. Chase responded in writing stating that they DO NOT have the original application (see attached). They mailed all available statements but were unable to produce ANY statements from 2003. Without the application or statements it is impossible for Chase to conduct a reasonable investigation and update the reporting of this account with accurate & verifiable information only. The account must be deleted.

It is extremely disappointing that Chase has to know they shouldn't be reporting this "Toxic Waste" account and yet they do it anyway.Desired Settlement: Chase should contact all bureaus/agencies that they report consumer information to and have the account deleted from all credit reports immediately. I also request that Chase provide a signed letter on their letterhead stating that the account was removed and the reason for the removal.

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, 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 composed a Secure Message on the Chase website under my credit card account on 10/7/13 to request a lower interest rate on my card. I received a message the next day saying that my request was denied without any explanation. I then called Chase on 10/21/13 requesting more information on why my APR couldn't be lowered. The lady was nice but told me my APR couldn't be lowered. She said that credit reports are ran every 6 months to determine APR percentage and my next report would be in February, 2014. I asked why Chase advertises my same card with all the same privileges I currently have with a less APR rate (not just promotional). She answered by saying that my card was different from the card they were offering but not offering exact information like "It could be different because of the type of rewards, etc...". I said they both are advertised from the same website (www.chase.com/freedom). I've examined my credit score and history, both are excellent. I've been a loyal customer for 13+ years and I'm not asking for a 0% APR rate but my APR rate (27.24%) currently is higher than the rate they show on their website for the same card (22.99%) and I've never missed a payment. The variable rates of APR for my card are from 13.99% to 22.99%. Even if I have the worst credit allowed for owning this card, I should be at least at 22.99% but considering I have excellent credit, my APR percentage should be lower than that. I would like to know the exact process of how my variable APR rate is calculated seeing as my APR percentage is higher than the advertised amount.Desired Settlement: I would like my interest rate lowered to the appropriate amount between 13.99% to 22.99%. I would also like the exact process with details on how my APR rate is calculated for my Chase 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 October 30, 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 paid my complete balance on Jan 14th with the balnce removed from my account on Jan 15th On the 19th of jan I was refused credit when attempting to purchase groceries. I called and asked about this and was told there was a hold . Not being in an emergency at this time I asked when I could expect credit availability. I was told Jan 22 this credit would be available. On Jan 22nd I had a need for this credit (which I do not think it unfair to have this expectation) and I did not. I called and was put in touch with a dept which would be able to remove the hold/dispute.

This whole time I am being told there is a hold by Chase and they are waiting to receive funds.

I am now very upset about this I called for immediate assistance and was transfer to a department which could potentially remove the "Hold" chase has placed and was told by that person we would have to get my Bank (Bank of America) on the phone. After waiting for my bank to answer the Chase rep was not present on the line any longer this is completely unprofessional and I hope this is not the way they train Their representatives.Desired Settlement: I want an apology and full explanation of this event. I feel I was very patient on the 19th, and they set a reasonable expectation only to completely dissappont me when I need them. If I had known of this I would have planned accordingly, but now my faith in this company has shifted, I really do not understand how they have an A rating from Revdex.com

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 30, 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: Account Ending in 5931 - Hyatt Signature Visa Credit Card

This is with respect to a charge that posted to my account on February 11, 2014 for the amount of $540.17 from merchant, Microsoft.com. I opened a dispute in March with Chase regarding the charge and providing information that I should have been issued a refund my Microsoft. I explained to the Dispute Merchant that it was for an exchange (warranty service) in which Microsoft was to send a replacement xBox One and upon receipt I was to send the defective unit back to Microsoft which was returned to Microsoft on February 5, 2014 after receiving a new working unit.

Microsoft confirmed that the unit was covered under warranty and the amount hold on the credit card was to ensure they received the defective unit back. Nevertheless, Microsoft charged me for the $540.17 for the unit to which I contacted chase to dispute the charge. I explained the transactional nature with the Chase's Dispute Merchant to which it appeared she did not understand. She attempted to transfer to the merchant but then disconnected both lines. She called a week later to which she left a message and I returned her call and also received a voice-mail to which I left a message. As of recently, I received a letter from Chase indicating that she was closing out my dispute.

I feel as if Chase never completed understood the purpose of my dispute and subsequently closed out the dispute. I have been a loyal customer of Chase and I am demanding that Chase completely investigation the dispute and resolve it in my favor. Instead of protecting it's customers, I ended up paying for two xBox One's and only have one with a bill to pay.

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 May 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.

Review: I was on the United Airlines website checking out flights and their prices. I fly with them quite often and had always seen the advertisement for the $50 statement credit upon approval for their Chase United Explorer credit card. I decided to go ahead and apply as I am anticipating several flights over the next six months for two weddings. I clicked on the ad stating a $50 statement credit and 30,000 bonus miles would be applied after my first purchase. I was almost immediately approved and was given all the information required to purchase my flights via my new credit card. I happen to notice the bonus miles were applied to my MileagePlus account as promised but completely forgot about the statement credit, as the terms did say it could take up to 8 weeks. I recently went through my online statements and realized that I had not yet received the $50 statement credit as promised. I called and was given an apology and explanation that it would have to be filed for request. The lady I spoke to gave the impression that it would be honored on my next statement and that I would receive a letter in the mail regarding the inquiry. I received the letter within a week later and was told that "the application you completed in March 2013 did not include the $50.00 statement credit as part of your enrollment bonus." Fist of all, I applied on April 2, 2013. Secondly, the advertisement clearly stated the credit was part of the enrollment bonus as well as the 30,000 miles. I called the credit card customer service and was given a deeply upsetting explanation. The customer service representative, Jason, said that he gets these calls daily with people saying they did not receive their advertised enrollment bonus. He said that the marketing team puts up the advertisement to draw people in but does not always honor it. He further explained that he calls BS on them stating in the letter that it was not offered at the time, as "they always have these offers going." The letter states: "...we will honor a request to enhance the enrollment incentive within 90 days of the account open date." Then goes on to the next paragraph, "Unfortunately, since your account has been open for more than three months, we're not able to apply this statement credit to your account." I call BS on that! It is not that they are not able, rather they are not willing. I appreciate Jason's honesty, but the fact of the matter remains that I am being denied a credit amount I was tricked into believing was available to me through false advertisement. This is an unacceptable practice, and I would like to see this matter resolved for myself, as well as for future potential customers.Desired Settlement: Not only would I like a billing adjustment to reflect the statement credit I was expecting, but I would also like to see the misleading/false advertisements removed from the various sites providing them. It is wrong to bait people with an offer you are not going to honor. I am really upset by the tactics the Chase marketing team uses to gain customers.

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 7, 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. I still would like to see their advertisements be in accordance with what they are actually offering at the time. However, for the purpose of my complaint, I appreciate their feedback and proposed resolution. Thank you for your time.

Review: Chase has received a dispute for charges posted to my checking account. Chase is refusing to do anything. As of now they have not even investigated.

Chase has received (I can prove receipt since I've gotten a reply) a written dispute about charges posted to my checking account. Chase is refusing to do anything and currently has their collections department calling multiples a day.

Timeline of events:

09/03/13 - Three charges for $34.95 post to my account (...9151)

09/12/13 - The bank is notified and recieves a written dispute on the charges; the bank replies needing additional information.

09/17/13 - Additional information is supplied.

09/28/13 - Chase is sent this dispute with the Revdex.com as I've been recieving calls from their collection department for about a week.

09/28/13 - Online statement still reports these charges, no action has been taken by the bank.

If Chase continues to call, sends the amount to a collection agency or any other party, and/or posts any information on a credit report, ChexSystems report, or anything similar I am prepared to file a small claims suit. Let me remind Chase, as a California resident I am not legally allowed to sign my rights away to sue in favor of arbitration; any and all arbitration clauses in the Chase TOS Terms of Service are not legally enforceable for California residents. It also seems as though I should notify Chase that a written dispute is legally sufficient.Desired Settlement: Simply do a chargeback on the transactions. I've been with Chase long enough, pretty sure it's been a few years, where the bank records can show I only put in legit and valid disputes. Right now the bank is just refusing to do anything as if I'm a compulsive disputer.

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 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: Opened my Chase Disney card that I would get a $100 Disney Gift Card. Never got it. Then was told it would be $50 by 12/1/14 still don't have it.

Signed up with Chase for a Disney credit card with a promise of a $100 Disney Gift Card, contacted Chase via email and was told it was now a $50 gift card and that I would get it by 12/1/14 (email send to me on 11/7/14 @ 10am by Lynette Edmondson

Customer Service Specialist). Called Chase today (12/3/14) and spoke with a rep who told me Chase doesn't send emails like that is must be fraud? Asked to speak with a Manager and spoke with Oscar who stated the email was wrong and it would take 6 weeks. I stated that writing overrides verbal he said the best he could do was make a request and I would get a call in no less than 7 business days! I want the gift card I was originally promised of $100.Desired Settlement: $100 Disney Gift 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 December 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: I was scheduled for automated payments to be taken out every month on the 15th. One year they took them out whenever they felt like it (anywhere from the 9th to the 21st) and I incurred many, many overdraft fees. They apologized towards the end of 2012 and said they would refund the fees, but changed their minds once they saw that it was $896. Then they said that I told them a different date. All the years prior had the 15th and the subsequent agreement was the 15th. I want my money plus interest and an apology for lying and not releasing the letter I requested stated that I had renewed the automated payments for the 15th, which was sent out in approximately November of 2011.Desired Settlement: I would like them to credit my due balance to my credit card balance and return the remaining amount in a check. Also a letter of apology would make sense for this inconvenience if like they would like my business in the future.

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.

Review: I HAVE MADE SEVERAL CALLS TO ATTEMPT IN RESOLVING THIS ISSUE AND NO ONES SEEM TO CARE ABOUT RESOLVING THE PROBLEM.Desired Settlement: I WANT THESE ERONUOUS FEES BE REMOVED AND KEEP THE ACCOUNT CLEAN OF ERROR.

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 March 19, 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 recently lost access to my account and it's impossible to regain access. I have money in this account.

A few days ago, I called chase to order a debit card as mine was lost. The procedure is to ask my social, address, and some questions that are culled from public records. I provided the information accurately besides for one question. It was: "which streets are near the bank you made your account in?".The problem is that I made this account in a bank not near the place I live and therefore answered incorrectly. My account was suspended. I asked how to regain access and they told me I'd have to visit a branch and unsuspend there. I live in minnesota, it's impossible for me to visit one as there is none for a few hundred miles. I phones multiple times, spoke to supervisors and I finally was told I could phone my branch and have them phone in to confirm me. I did that and my branch (south st. Morristown nj) told me that that information was false and I should just recall and provide the correct info. I did so, guessed the streets correctly, and they told me my account was suspended in a way that I can't access it without going to a branch.

Basically, it's impossible to access my account with money sitting in waiting unless I fly to new York and walk into the branch.

This is incredibly upsetting as I need the money to pay bills asap.

I believe the question about streets should be eliminated and I should be able to prove access in a responsible sensical way from my location asap.Desired Settlement: A way to prove my identity and regain access to my account. As well, I would like the question about streets to be eliminated in order for it not to be stumbing block for future users.

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 26, 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 cancelled my credit card due to "their practices". fine, I paid the balance IN FULL. Since I paid this I assumed I had no balance. I found out that they still charged me interest which I wasn't aware of because I paid it in full. I then got a late bill including a late fee and more interest. I called to question this and they advised there was nothing they can do. ok, I get it, there was interest, but since I assumed that I paid the balance in full that it was paid, can you waive the late fee? NO, they wouldn't consider it. refused to transfer me to a supervisor stating thatDesired Settlement: the statement does not say that your balance does not include interest charges, this is not your pay off balance your if you would like to pay off your balance the amount is XX. I would like the interest charges and late fee waived. the balance was $3977.29 and I paid $3977.29.

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 BANK credit card account that was overpaid twice in January and February 2015. Each time the overpayment resulted in a credit balance. The first overpayment was refunded. For the February overpayment of $400 a refund was REQUESTED and ACKNOWLEDGED but an internal error resulted in no action. When I called to question this, I was given two options: check to home, which would have resulted in a month wait because I am traveling; and refund to original source oif payment, my checking account. A request to mail to me at another (travel) address was refused.

As far as I can tell, NO ACTION has been taken by Chase Bank. No money has been returned to mr checking account.

I closed the account permanently.Desired Settlement: Immediate REFUND of $400 or detailed explanation of the action taken to date that will result in that refund.

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 March 24, 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: As part of the benefit package for cardholders of the Chase Amazon Visa card, I have rental car damage liability coverage. Case #[redacted] is my submittal for such coverage. I was denied due to a time constraint that as not explained to me at the time of filing. I have submitted every piece of required paperwork, but my coverage will not be honored.Desired Settlement: I would like my $200 liability reimbursement.

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 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.

Review: I have been with Chase since 2008 . I have Direct Deposit since 2008 . In the past I have few fees waived off for insufficient funds due to banks either closed , either I was in a location where there is no Chase Banks. On Wednesday I got 2 fees for insufficient funds around 6 pm , the banks are closed at 5 pm and I work until 10PM . I couldn't go to any Chase banks to cover the insufficient funds . I get my direct deposit at midnight , so from 11pm when chase gave me the fees until my direct deposit kicked in at midnight I got 2 fees. This is unfair to us customers that are being loyal and help banks grow their businessDesired Settlement: I want both of my fees reversed

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 25, 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 July 2014 I informed Chase that I relocated and gave correct address. I received an email from [redacted] that I had a negative report by Chase. I have not received a statement. I spoke to Rasalyn Cardaso a rep who was not helpful. Her supervisor Lana Booth. I must say I have not had a problem with Chase until now. My information was not update correctly. They had my address incorrect which I found over the weekend a neighbor brought it over it stated 918 ting pk?? Not my address. By this being said they were quick to notify the Credit company. I would like this rectify because I informed them of my address.Desired Settlement: Please contract Credit company and take the negative OUT! I would like good standing.

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 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.