JPMorgan Chase Credit Card

Review: I currently have 3 credit cards open with Chase Bank - Chase Freedom, Slate and Chase Amazon. They each had credit limits of $8000, $6000 and $2500 respectively. A few days ago, I requested an increase on my Amazon credit card and was told it required further review. I got notification that a hard inquiry had been made on my credit by Chase. Today I saw that the credit limit on my Amazon card had been increased to $8000. However, my limit on the Chase Freedom had been reduced to $2500. When I called and asked for an explanation, I was advised that the credit increase I requested was granted by reducing by limit on the other card. In the end, my overall credit with Chase is unchanged but I have a hard inquiry on my credit which is a negative. As far as I'm concerned, I'm either good for credit or not but they should not be messing with my creditDesired Settlement: I believe I should not be punished for asking for credit, if I'm good to increase my credit on one card, they should not penalize me by reducing my credit limit on the other which would have an adverse impact on my credit rating.

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 26, 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 received a notification of an ATM card withdrawl from another city on Saturday Feb. 28, 2015 and filed a claim when I was hung up on by a CSR.

I received a notification of an ATM card withdrawl from another city on Saturday Feb. 28, 2015. I called, cancelled my card and filed a claim immediately. The reversed charges showed pending for the next 36 hours and then disappeared from my account information. I had collected a non-Chase ATM fee and NSF fees for a payment made after the fraudulent ATM withdrawl and after the pending account correction deposit disappeared. When I contacted Chase, they were less than helpful and when I asked that they remove the NSF fees I was told it would be 24 hours for that reversal. This was not acceptable since the charges were not by my doing and when I asked that they remove them immediately, Susan hung up on me. I called back and was told that the NSF fees could not be reversed because I had already received my complimentary reversal for the year. Again, this NSF was not my fault and should be refunded along with the fraudulent ATM withdrawl.Desired Settlement: I would like my account put back in good standing. I would like the fraudulent ATM fees refunded as well as the NSF fees and ATM fees reversed. I would also like to be reassured that if and when this happens again, proper action will be taken to remedy the situation and not brushed off or swept under the rug like this experience was.

Business

Response:

This e-mail is to acknowledge receipt of your correspondence from [redacted] Chase takes consumer feedback very seriously. We have fully reviewed this matter and a detailed response has been mailed directly to the consumer on March 17, 2015. 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] Sincerely, [redacted] Executive Office

Review: I recently used a balance transfer check issued by chase stating I have until 9/2014 to pay off the balance interest free.

They charge 2% of the amount the check is written for for this promotion. I was shocked to learn after receiving my first billing after I wrote the $941. promotion check that whenever you pay an amount to Chase they take it from the lowest interest rate first than the higher interest rate. Even though I feel mislead by there advertising of a year to pay the check amount off. This is the first time I have experienced this type of business practice. The check I wrote for $941.25 should be 0% until

9/2014 as stated in their advertising. It is very deceptive business practices to then subtract any monthly payment from the 0% for a year apr and keep adding the interest on the non-promotion balance due. I have had this card for many years and I am very disappointed in the business practices Chase has shown me .Desired Settlement: Honor your clearly advertised 0% promotional APR through billing cycle that ends in 9/2014. That is what I understood the deal to be.

I have been a loyal customer I expect some honor in return.

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, 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: I have sent Chase Bank numerous letters to ask them to remove unauthorized inquiries made on my credit reports. On 01/23/2014, 05/20/2014 and on 03/06/2015 Chase Bank has made unauthorized inquiries on my credit report. I have sent them letters asking to remove the unauthorized inquiries and they have failed to reply to the letters and to provide the verification requested as to what permissible purpose they had to pull my credit report in the three different times. I have contacted them regarding this issue and have asked them to remove the unauthorized inquiry and they have not replied to my request. I have given them the required legal permitted time for them to reply to my letters according to the Fair Credit Reporting Act and it now has been more than 30 days and to now they have not replied or removed the unauthorized entry on my credit report.Desired Settlement: I need Chase Bank to obey the credit act rules in place for merchants and to remove the unauthorized entries made on my credit report. Since they failed to reply to my request for action within the legally required time frame, their only option now is to remove the illegally inquiries on my credit report because of their illegally pulling my credit file without the proper authorization. Thank you.

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 9, 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 wrote a check from my credit account that was provided by chase in the sum of $1200. The check was deposited in my bank checking account. I was notified by TD Bank that the check was returned as unable to locate and I was charged a $15 returned check fee. Because the check was returned, in addition to the returned check fee, my account was assessed overdraft fees of $175.00 of $105.00. When I inquired as to why this occurred, because I had ample credit on the account, I was informed that "Our records indicate the Access Check for $1,200.00 was declined because the check had expired. All access check that are sent have a expiration date on them."Following that response, I sent a copy of the check to chase, asking for them to indicate where on the check a reasonable person, or my own bank for that matter, could discern and expiration date. That was approximately 90 days ago, and I haven't been given a response. I suspect because there was no expiration date printed on the check.Desired Settlement: I would like to have chase credit $295 to my account to cover the fees that their enforcement of an expiration date that was not printed on a check.

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 14, 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 recently opened this credit account with the intent to utilize the balance transfer feature. I set up the balance transfer via telephone to pay off another account in September. The account to be paid with the balance transfer was never paid ([redacted]) and I provided my account information as requested. I contacted Chase Visa because I was still receiving billing statements from [redacted], and somehow the balance transfer amount was sent to an incorrect company/address - the incorrect business that received this transfer is [redacted], address of this company is [redacted] 43218. I know that an incorrect company received this transfer because I received a letter from them containing a copy of the check for the transfer amount from ChaseVisa in the amount of $1380.59. I have contacted Chase Visa multiple times to attempt to resolve this issue and get the transfer to the correct company. The first time I called a representative told me that it was my problem and that I needed to figure out how to get the money back from [redacted]. I did call [redacted] and they told me that they could not investigate because I do not have an actual [redacted] account. Which means that I am paying on money that has been transferred to an incorrect company and no one knows how to get it to the right place. I am paying on the balance from [redacted] still (the one that was supposed to be paid off with the transfer in September) as well as the Chase Visa account (in which the balance transfer amount when to the wrong company). I have contacted Chase Bank and filed a complaint and was told that an investigation would take place to resolve the issue. It has been 30 days and I have not heard back or received any resolution. The investigation was supposedly opened per the customer representative on October 20th, 2014. I continue to pay on both accounts.Desired Settlement: I feel that the terms of service of this account are not being fulfilled. I did qualify for a balance transfer and I verified this with the customer service representative at the time of transfer request. I am paying on a balance transfer that has been sent to an incorrect company and feel that it is the responsibility of Chase Bank to resolve this issue that was obviously an error on their part. I would like my balance transfer sent to the correct company/account ASAP with no fees or issues. I would like this issue resolved as soon as possible. The reason I transferred money to this [redacted] account was to avoid paying interest and pay off the balance. However, the time frame for that benefit has expired due to Chase Bank's balance transfer error. I would also like to be refunded any incurred interested from [redacted] resulting from the error on Chase Bank's behalf due this extended delay. My [redacted] account # is [redacted] their correct address for payment is [redacted]. Since I have been paying my [redacted] account the pay off amount is 1195.83.

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 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: I recently filed a credit card dispute involving a charge for an "adoption" fee for a cat at animal hospital at [redacted]. The adopted cat turned out to be extremely aggressive and I developed allergic reactions to him. We returned the cat to the animal hospital 3 days after the adoption at their request. Afterwards the hospital refuse to refund the adoption fee even though it was never stated in the contract that the fee is "non refundable". Furthermore, the animal hospital was extremely condescending and they lied about the origins of the cat. In the light of this, I filed a credit card charge dispute with the Chase card I paid the fee with. Chase denied the dispute based on the animal hospital's response of lack of record of the merchandise (cat) being returned, when in the animal hospital's response letter to Chase they described my adoption and return experience and how they adopted out the cat again after I returned the cat. The animal hospital blatantly lied about the lack of proof when there are written descriptions of it and Chase charge dispute services accepted it. I've had credit card charge dispute on my [redacted] before and the experience was significantly smoother than my experience with Chase. This is not the high quality level of service I've experienced with Chase as a long time customer and I would like this dispute resolved and return my $90 charge.Desired Settlement: Refund my $90 charge from the animal hospital.

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 28, 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 out of nowhere sent me a letter telling me that I have 2 weeks to withdraw all my funds and find another banking institute without a reason.

I have been a customer of Chase for awhile. I have savings, checking, and 2 credit cards with them. Out of the blue they send me a letter telling me to find another bank that after an account review they have determined my account is a risk. I am a disabled veteran and I get my disability there. I shop for groceries, put gas in my car, and eat at restaurants like anyone else. There is no risk and the customer service representatives refuse to assist me. The answer is that the decision is final and they have the right to drop a customer without any reason.Desired Settlement: I want them to reinstate my accounts and compensate me for the pain and suffering caused from this.

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 verbally responded to the customer on March 25, 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]

Consumer

Response:

Review: I have 2 credit cards with JPMORGAN CHASE. My southwest rapid reward card was closed without ANY WARNING, during a recent business trip. When I called to resolve issue, cs said that my social was not verified. I asked how did they approve & send card without verifying my social? I called again today to resolve the matter, only to be treated like a criminal. I answer my verification questions correctly, only for cs to tell me he cannot verify at this time. They cant even have a conversation before CLOSING CREDIT CARD ACCOUNT should be against all federal regulations. I will contact fed office next to see what my rights are EXACTLY! I expect full restitution immediately on this card acct.Desired Settlement: Reinstate my account. My other card account has been unaffected, which tells me JPMORGAN indeed have my social, and this is a system glitch. My monthly payments go thru without a hitch! Their unwillingness to fix the issue & reinstate is why I'm reporting unacceptable business practices. I desire an Apology for their criminal-like treatment. Acknowledgment that your letter appears to be a SCAM, doesnt even include my full name, or spell my name correctly. Therefore, JPMORGAN letter from their FRAUD DEPT APPEARS to be FRAUDULENT. The cs rep wasnt concerned about what their letter looked like on my end, and was unwilling to discuss their security statements are out of date!

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 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: Hi,

I applied for 2 chase credit cards on the same day.31st march 2013. I spoke to representative from chase and had informed them I had just applied for one of the chase cards and was looking to apply for another. At no stage, did they inform me that they would re-run another credit check on my account. When I got my free annual report yesterday I realized that they had done 2 hard enquirers on my account.

I called them today and asked them why no one had informed me that they would run 2 check on the same day, the response was that is how it works, When I told them they should have informed me on the call that they would be doing that , the representative [redacted] based out of [redacted](her manager is-[redacted]) said they don't have to and that is how it works.

This is completely a shady sales way of hitting people' credit . I asked them to go back and listen to the call but they did not acknowledge that request.To add to that they told me that it will stay on file for 2 years!! I have a banking relationship with [redacted] for years with a credit line of $7500 and decided to try chase but this behavior and unprofessional attitude "tough luck customer we don't have to tell you anything and that we will run your credit without your authorization a" seems oddly strange to be legal and is allowed to continue. I hope some can help me out to get this resolved.When I told them I would complain on this misleading behavior the response was"go ahead". I have never missed a payment , I have a good credit which has now been hit by a good few points all for chase to give me $2500 . I moved her 2 years ago and with not many years of history to my credit report, I feel this is very unfair practice that chase is conducting to get applicants in through the door and not informing all the customer who call in on what the implications could be . I looked forward to hearing from someone who can help me with this.Desired Settlement: I would like them to remove the additional inquiry that they put on my credit file from all the bureaus. the first on the 31st of march is fine, but they then placed one on the 11th of april of april that is almost 2 weeks after I applied for the cards on the same day.

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 22, 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: Email security and failure to provide adequate contact information for non-customers

I have been receiving emails for a credit card that is not mine. The emails detailed the last four digits of the card as well as the owner's name. In an effort to find out how my email became associated with this card, I found that there was no contact information provided on the Chase website to take care of these issues.When I tried to email [redacted], I received an automated message and another message stating they had updated my email address according to my request. I never submitted a request to update my email address because I'm not even a Chase customer. I finally called the number for card services and was informed they could not help me because I was not the card holder. I would first like to know how my email address became associated with this card, where the request came from for them to 'change' my email address, and why there is not a contact option for potential security issues such as this.Desired Settlement: Provide better security to protect sensitive information and provide customer service designed to address these issues instead of automated responses.

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 6, 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 has mistreated me as a customer I feel it is unfair to me that they are not properly handling the situation. my debit card was lost someone made serveral purchases on it, no are indirectly acting as if iam the suspect I filed a police report the chase representive stated that would not make a difference now they are charging me and are ending their relationship with me I was unfairly treated ive ben with them for a year now they treat me unfairly I will do everything in my power to fight back this is unacceptable.Desired Settlement: DesiredSettlementID: Refund I want to be refunded all that they are charging me for.

Business

Response:

This e-mail is to acknowledge receipt of your correspondence from [redacted] Chase takes consumer feedback very seriously. We have fully reviewed this matter and a detailed response has been mailed directly to the customer on February 10, 2015. 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] Sincerely, [redacted] Executive Office

Review: I made a payment in full 1/23/15 online with a new account number. I deleted the old account from payments so there would be no errors. I verified the new account was used and got a confirmation. A week later I receive a call from a lady collection rep from Chase. She stated the payment was returned for nsf. I asked her to verify the account that I used to pay with (she verified the new acct), however, she stated that because it was a "new" account, Chase took the payment from the old account instead (very illegal). I told her that was illegal and she stated to call my bank and see what acct it took from and to remake the payment. My bank stated they tried to take it from checking instead. I then logged back on to Chase to verify if the old accounts were still removed (they were not!). I then used the exact same new account to remake the payment that was originally made correctly. I then get a new bill showing a late fee and interest charges for Chase error and illegal actions. I wrote customer care and they reversed the late fee but only .08 cents of purchase fee. Unbelievable but not really considering the fraud they already pulled. I then call today 2/21/15 and talk to 1st rep Teeda who can't understand what happened but stated "If I would have called in to make the payment, the purchase interest would have been removed." I told her to cancel the card after being a member almost 20 years. She then asked me if I want to try to speak with a supervisor. I told her sure. Supervisor Specialist Kim Smith Cooper then got on the line. I repeated this story and she stated that she couldn't adjust the interest. I informed her that the previous rep stated that was untrue and due to the illegal and fraudulent activities that had happened thus far, it wasn't a wise decision. She then canceled the credit card. I need assistance getting the new and remaining charges adjusted after paying off this card in full due to illegal payment activities. The interest was originally 56.52 but is more now.Desired Settlement: The remaining charges need to be adjusted

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 2, 2015. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

Review: My Chase Ink MasterCard was charged an interest fee of $33.07 for my statement that covered April and May of 2014 this year. It was not until 9/11/2014 that I caught the mistake. I am sole proprietor of my business and have seasonal work that keeps me busier than the other months of the year. When I contacted customer service, they said that it was their fault that the error was made. They immediately connected me to a supervisor.The supervisor informed me that even though it was their mistake, they could not return the money to me because of their policy. They said that their policy is that after 90 days, if an error is caught by the customer ,that Chase Ink MasterCard is not able to return the money to the customers account.The supervisor also informed me that their computer format is set up so that it will not even allow such a reversal of fees after the 90 days have passed.I think this is an unfair business practice because, if I do not pay my balance within 90 days and they do not catch it, I still have to pay them.Desired Settlement: DesiredSettlementID: Refund

I want the $33.07 interest fee reversed and the money credited 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 29, 2014. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

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 had a credit card with Chase, which merged with JP Morgan and is now JP Morgan. When I had some complication with work and debt several years back, I fell behind on my Chase Credit Card. In discussions with Chase to resolve this matter, it was decided the best course of action was to close the account and then pay off the remaining debt over time. Which Chase and I agreed. What was not explained is the very high rate increase in the APR, which prolonged the amount the debt that I had. For six months I made payments to Chase in efforts to decrease the debt on the account which it did not. The Debt actually went up do to the fact that the APR was so high because of the agreement. I couldn't make the payments any longer to the account and the account went into collections.

Each time I would get a collection letter about the Chase account, I would call into the collection agency and finally was told that the account had been transferred back to Chase and I would have to deal with directly to get this account resolved. The collection agency pay off was around 600 dollars to settle the account. When I contacted Chase to settle the account the amount was double that amount to settle the account, which was not a settled in full. I wanted to settle the account in full with Chase, but was informed that I could only four payments to make the account settled in full. I wanted to try and extend the terms of the account and even set up automatic payments to the account so that the debt was to be settled in full. I however could not afford the breakdown that Chase offered to settle the account in full. I could make the payments on a reduced amount which was still around 1200-1300 dollars. So I made my first payment on the phone and then the next three months chase automatically withdrew the money from my account until the settlement was reached.

The account is still reflected as a charge off on my credit bureau reports and I called into Chase to get the account removed my credit report. I was informed that I would have to file a complaint with the bureau's to get this account removed from my credit report, which I did. Each bureau stated that Chase said everything was valid and they would not be removing the account due to Chase's actions. I called in again and spoke to several people who will unwilling to help me out in this situation.

I am filing this complaint, because when the original debt agreement was made, I wanted to resolve this situation in the best possible action and as quickly as possible. I made my payments for several months until each payment seemed to me not worth making the payment because the debt would rise and rise, since the APR was raised to such an insurmountable amount that I really had no other options.

I have settled everything with Chase, and all I am looking for is for Chase to remove their account from credit report. I feel that this is not an action that is an outrageous request, and hopefully will be meet. I know back when the account went delinquent there were issues that probably could have been done on both sides to resolve the issue faster and not get to this matter.Desired Settlement: All I am looking for is for Chase to remove their account from my credit bureau reports. I know this action is possible and as simple as submitting the request to the credit bureau's to have the account removed. I am not looking for anything more then that.

Thank you

Business

Response:

This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on June 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.

Review: This started on 8/4/I emailed Chase via their secure messaging center asking their opinion on [redacted] having their restaurant customers credit cards possibly compromisedI wanted to know if I should get a new card re-issued or not
The reply was Dear [redacted],
Thank you for contacting Chase regarding your concern on
the security of the account
I can understand how concerned you are about your
account's security, and wanted to let you know that
protecting your information is our top priority
You are fully protected by Visa and MasterCard's $
liability policyIf there are unauthorized purchases on
your account, you won't have to pay for them
Sincerely,
Fraud Department
I said thank you, made sure my phone number was updated in their system and thought that was the end of it with this reply:
08-04-12:27:ok, thank you! The best number to reach me is [redacted]I will verifiy the info is correct[redacted]
Then I received an email on 08-05-00:03:From: Chase Card Services
Dear [redacted] :
I've placed a temporary hold on your account to prevent
any fraudulent activity
Ok - first they tell me no problem, and then they put a hold on the card
I responded that since I hardly use this card I would just like to close the credit card in this message:
Date: 08-05-13:25:
To: Chase Card Services
Hi - I hardly use this cardCan I please request to close the card at this time? No need to re-issue another one
Thank you, [redacted]
The response I received had nothing to do with my request to close the account!
Date: 08-06-04:58:
From: Chase Card Services
Dear [redacted] C [redacted],
A hold was placed on your account 08/05/because a new
usage pattern alerted us to the possibility of fraudulent
useWhen we couldn?t reach you to verify the activity,
security measures called for a hold to be placed on your
account until the matter was resolved
We always attempt to contact Cardmembers in situations
like this, so it?s important that you keep your contact
information up to date
Fraudulent use can be very frustrating and security
procedures like this have helped many Customers avoid
fraudulent chargesWe apologize for any inconvenience
this may have caused
We'd like to help you with your questionsPlease call us
at 1-800-955-and we'll be happy to assistWe're
always available so call anytime
If you're outside the U.S., please call us collect at
(480)902-
Sincerely,
Fraud Department
Ok - they never called, the previous email I sent I gave them my phone number so they do have a valid number
I responded advising I never received a call, I haven’t used this card since last month, to PLEASE actually read my emails if they are going to correspond to me in this manner and to just close the accountMy balance is $0.00; there are no charges on my accountBy this point I just want my credit card closed
Date: 08-06-12:07:
To: Chase Card Services
Hello - Please read the responses I have sentI never received a call, and my phone number is up to dateI haven't used this card since last monthPlease CLOSE this accountIf there is fraudulent use on this account I do not want it openThis is a secure messagePlease close the accountThank you -[redacted]
The next response from Chase is that they received my callback request outside of business hours??? WHAT??? I never called them! And to call them backDate: 08-08-05:35:
From: Chase Card Services
Dear [redacted] C [redacted],
I received your callback request outside of
business hours, therefore I forwarded your email to one of
my colleagues to call you during business hoursI
understand that your time is valuable and if you prefer
you can contact Customer Service at the number listed
below or reply to this email with your inquiry and either
myself or one of my colleagues will be happy to assist
Sincerely,
Fraud Department
They will not actually respond to my request to close the credit card! They keep lying stating that they tried to call me or I tried to call them? Why bother respond to an email chain if you don't even respond to the content! I advised Chase that if they didn't close my credit card I would report them to the Revdex.com08-08-10:44:
To: Chase Card Services
Subject: Re: Other/Inquiry Not Listed
Message:
I am becoming very frustratedI never requested a callbackI sent the message below during business hours, not "outside" of business hoursAll I want is to CLOSE this credit cardIf this is not processed I will file a complaint with the Revdex.comI have printed and scanned all of these messages, proving that you do not actually read the emails to assist your customers, but just send unrelated canned messagesAgain, if you do not CLOSE this credit card and any account that is considered mine with Chase I will file a complaint with the Revdex.com
Thank you[redacted]
Instead of responding to me via secure message, they send me a "Confirmation of Recent Account Activity -Unable to Contact - Please Call Your Account Ending in Dear [redacted] C [redacted]: As part of our commitment to help keep your account secure, we routinely verify activity that seems unusual based on your general account usageWe called you to help us verify recent activity, but we weren't able to reach you." This is a lie, no one tried to call me
If they had said in the secure message - "we can't close an account via secure message you must call" that would have been a different storyBut as you can see, every response the "Fraud" department has sent me has nothing to do regarding my request to close the credit cardIf the card was on hold since 8/5/- why on 8/8/are you still allowing the "supposed" attempted charges to come through? They should have been declined at the storeI work for a financial institution and I would be written up for this type of serviceI've checked my account; I have a $balance and no pending charges.Desired Settlement: I would just like to have the credit card closedI would also like an explanation of why if they offer secure messaging between CHASE and their consumer they do not address what is in that email? This is not customer serviceThank you
Business
Response:
This e-mail is to acknowledge receipt of your correspondenceChase takes consumer feedback very seriouslyWe have fully reviewed this matter and responded to the consumer on August 25, They should receive our correspondence within to business daysIn 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 already have 'Chase Freedom' VISA credit card and when I called Chase customer representative on June 24, 2014 to know whether I can apply for another 'Chase Freedom' VISA credit card then the representative replied me affirmatively (saying that yes I can have 2 similar credit cards). Now when I have applied for the credit card and called to follow-up on its application progress, the customer representative replied me that I will get letter of denial mentioning that I already have that credit card. This has unnecessarily resulted into hard-pull on my credit history plus a denial comment for no apparent fault on my side. This is very frustrating experience. The credit card online application should have check-box asking whether I already own this type of card or not.Desired Settlement: I don't want this unnecessary negative remark of denial on my credit history. I have excellent credit history, have made all payments before due date, never had past due anytime in the history. I don't want this hard-pull to show up on my credit history unnecessarily and also I don't want this denial comment on my history.

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: I was under a promotional interest rate with the company. Apparently the rate was scheduled to expire on 06-26-14. The last statement I received before the expiration was dated 06-25-14. Nowhere did it mention that my interest rate was expiring. In fact, the statement itself showed my balance at a 0% interest rate, so I assumed the rate was still 0%. Even the customer service rep admitted that the statement was confusing by showing that my balance was at a 0% interest rate, but listed no expiration. Customer service unfortunately could do nothing for me. I discovered the problem on 07-26-14 when my July statement became available, and immediately paid the balance in full, as it was always my intention to pay the balance in full upon expiration.Desired Settlement: My desire is that the $45.01 be refunded to me, and that that this never be allowed to happen to someone else. The company should clearly state the exact expiration date of an interest rate on every statement through the date of expiration on all future statements to all 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 AUGUST 15, 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 just want to say that the [redacted] in Executive Card Services in Illinois did a horrible job of handling my issue. She was very unprofessional.

On 2/26/14 I spoke with [redacted] from the Executive office Chase Credit Card Services. Instead of helping me [redacted] told me that my dispute was closed and I should go outside Chase and get a lawyer if I want my issue to be resolved. This is a completely ignorant and egregious comment. It is very unprofessional to tell a client to go outside the company to resolve their problem.

Furthermore, [redacted] discussed issues that were completely irrelevant to what I discussed with the Chase Executive department on the 18th of Feb. [redacted] was not helpful and made me feel like I was a piece of garbage. I was basically told to go screw myself. She made it clear that Chase does not care about my problem nor does she intend to help me out.

In addition, I thought she was doing actual work on my case when she informed me she was doing research the prior week. To my dismay I found out her research did nothing to resolve my problem, it worsened it. Instead of doing research what she needs to do is more work to help the customer out. In conclusion, my experience with [redacted] was a nightmare and was unprofessional. If this were Discover or American Express I would get better service and they would have resolved my problem.

I have close ties with Chase and I am deeply saddened by the experience that I had. My Sister-in-Law is a corporate lawyer for Chase in Illinois. She is an excellent worker that prides herself on professionalism and providing good service.

I called Chase on Feb. 18 regarding my problem at the Justin Timberlake concert. I was transferred to the Chase executive department. I told them what happened at the concert. They told me they would be able to get me a refund from Ticketmaster and it would post in the next 5 business days. The representative apologized for what happened and said what happen was ridiculous. I get a call the following day from [redacted] in the dispute department. She wanted to know what I was disputing. There were no notes from the call. We both called Ticketmaster and we eventually disputed the charge because there is strong evidence. [redacted] was perfect. Then to my surprise [redacted] informed me after all of this that Chase was going to do nothing and the issue was resolved. Mrs. Puckett was yelling at me while I was on the phone and was of no help. Again it is very sad that an executive person would behave unprofessionally and would not make an effort to resolve a customer’s problem. Now my case has been transferred to someone in Texas. So all this time has been lost.

This just shows me that Chase has become a dirty company. The facts do back this up. The Consumer Financial Protection Beareu found JPMorgan Chase & Co. was one of the banks that received the most complaints. Furthermore, Chase has had its rating reduced to Satisfactory by the office of the Comptroller.

My message to chase is having a good reputation is just as important as being the biggest bank in the nation with the most assets. That’s something Chase is learning the hard way. Maybe helping your customers would help you avoid becoming a permanent punching bag.Desired Settlement: I was told I would get a refund and then chase changed what they were saying. Lets start with helping me resolve the problem instead of telling me to go somewhere else. Then have some customer service help me with my problem so I can obtain a get a refund for the charges. I do want a refund.

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 20, 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: My account was closed for no reason and the money in my account has not been returned to me as promised.

On September 16th I went to a local car wash and I was going to use my card and I found out that it was declined and my card was shut off. I called Chase customer service and I find out that my account was placed on restriction. I asked multiple representatives and supervisors why my account was frozen each person refused to tell me the specific reason. I spoke with loss prevention and a Senior Support Specialist and both reps told me that Chase reviewed my account and chose to end the relationship. I was also informed that Chase does not need a reason to close my account and they can do so at anytime. During this whole process, I was supposed to get the remainder of my money in check after all the debits cleared. The check was sent on the 25th of September and I have not received my check or an explanation as to why my account was closed. It has been almost a month since this situation occurred and I have been unable to pay any of my bills or get any of the basics that anyone needs.Desired Settlement: I want chase to reimburse me for the inconvenience this has caused me as well as any late fees I have occurred with the bills I have to pay and returned check fees I had to pay my electric company after my payment was sent back due to this account closure.

Business

Response:

This e-mail is to acknowledge receipt of your correspondence from S[redacted] Chase takes consumer feedback very seriously. We have fully reviewed this matter and a detailed response was provided verbally to the customer on October 21, 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]