JPMorgan Chase Credit Card

Review: Customer Service refuses to respond to a request if you offer 'chip and pin' cards. A secure email through my account was not answered. A call to customer service resulted in a rant from the representative about my not needing one. He insisted that if a merchant refused to swipe a card that I can call Chase to report the merchant and that ALL merchants in the entire world are required to accept swipes. His information is incorrect and his attitude demeaning. I would like to know if I can get a chip and pin card issued.Desired Settlement: Please respond appropriately to my request for a chip and pin card. Can I have one?

Also, re-educate your customer service staff so they do not harass 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 January 22, 2014. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

Review: Three years ago I left my husband while I was living in **. A couple of weeks later I saw that withdrawals coming out of my account. This stroke me as odd due to the fact that the account was and individual account. I found out later that my husband had took the card and was making charges and overdrawing the account. I call into the fraud line and reported it and a couple of days later I was denied because he was my husband. I was told to complete a police report at the time and I did. Once I file the complaint I called the bank back and they still would not process the claim. I explained to the representatives that it was my account and not his and he stole the card. This signature on the purchases did not match my signatures. I even walk into the branch with proof that I did not do it and they stated that they would not get involved even though it was an individual account and we were not living together and I would be responsible for the debt. Later I told them per the divorce he was responsible for the debt, but the bank did not care. I was a long time customer of the bank and they did nothing to help me. Recently I went to open up an account and found out that they had put me on check systems, so I can't even open up another account at a bank of my desire in addition to having problems with writing checks at some places.Desired Settlement: My desired settlement is to be removed from check systems, the debt wrote off as fraud like I was originally told it would be if I complied and I want to open up an account at Chase.

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 4, 2013. In order to protect consumer privacy, the consumer has been advised they have the option to share the resolution 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 a Chase Credit Card in the past I had a Credit limit of $36,100 and on March 06, 2015 they increase my Credit Limit into $37,100. After 5 days I requested to transfer $1000 from my 1 Chase Card into this $37,100 Card but they didn't told me that they checking my Credit as soft inquiry and said you have high balances so we can't transfer the balance we decrease your credit limit into $15,000. On March 06,2015 my Credit Report also have same balances and same accounts but Chase representative approve my request and transfer my 1 Card balance into other Card. But after 5 days 1 Lady decrease my Credit Limit and I know they decrease my Credit Limit because they are poor Bank and now they are not making money.

I transfer many times from 1 Chase into another Chase Card balance and my Credit Report has some high balances also but Chase never said this that we are decreasing your Credit Limit this is first time Chase said that we are decreasing your Credit Limit and this was happen because of that woman 100%.Desired Settlement: My settlement is this that Chase return back 22,100 in my Chase Card and made $37,100 Limit of my Credit Card.

Business

Response:

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

Review: In October 2013, I received anew credit card. I made two charges on it and never received a bill. When I went to pay another Chase account, I noticed that this card had been due the date before. I immediately paid it but was charged a late fee of $25. I immediately mailed a letter but still have not received a response. This seems a little underhanded since I had gotten no statement either by mail or email on this account.Desired Settlement: Please credit my account the $25 late fee.

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.

Review: We disputed a charge on our account from Green Wave Grass Hydroseeding (GWGH) because of an unsatisfactory service provided. After several failed attempts to contact the owner we filed a dispute with Chase Bank. We filed the complaint 04/15/15 and were temporarily credited $1200, the full amount charged to us by GWGH. We were told specifically the credit is temporary for 60 days from day of file. After 60 days the credit becomes permanent. The credit for $1200 was reversed from our accout 06/19/15, 64 days after the filing of the dispute.

Product_Or_Service: credit dispute

Account_Number: available upon requeDesired Settlement: DesiredSettlementID: Refund

We would like our $1200 refunded to us.

Business

Response:

This e-mail is to acknowledge receipt of your correspondence from Mr. [redacted] Complaint No.[redacted]. Chase takes consumer feedback very seriously. We have fully reviewed this matter and a detailed response was provided verbally to the consumer on July 23, 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,

Review: I signed up for the chase slate card under impression that my balance transfer had no fee for 90 days. My credit was high 700 and said I didn't qualify in till after the tranfers went through. I have never had a problem with chase in till now. If I knew I was going to be charged I would of canceled the card before the transfers took place. Only reason I signed up for the card was for this feature. Please help thank you for your time alex.Desired Settlement: Credit for balance transfer I thought had no fee for first 90 days that has taken place already.

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 19 2014 . They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

Review: I purchased Volvo car hood whose.condition was grossly misrepresented in the online description (Insurance quality...which is a recognized industry standard), phone conversation with [redacted] and pictures online and sent by [redacted].

I filed a dispute with Chase right after I found out that the hood had numerous issues of misrepresentation of its quality. The hood was in no way Insurance quality (again a term that is an industry standard and representative of an item that is perfect as is with no repair necessary. Hawn has an F rating with the Revdex.com for bait and switch issues.

I was then led on a wild goose chase by both the company, Hawn Auto salvage and Chase Business Ink to receive a refund for this completely unusable hood for my car. I was told by Chase that I should not have to pay the 150.00 to return the hood as they would make the company pay to return an item that was misrepresented. I later found out that the person that I spoke with on that occasion did not know what she was talking about...this was the case throughout the entire ordeal with Chase.

I made at least 20 phone calls to Chase verifying what I should send to them to prove my case and was never given the same information twice . After I would fax proof to them of the lies and misrepresentations, it would often take nearly a week for them to even acknowledge that they had even received any information....Several times I would have to resend the information because they could not find it or it went to the wrong department.

Meanwhile, apparently the clock was ticking on my rights....Several times I was assured that I was protected and that Hawn had not responded (again, later I found out that this was not the case)

Over and over I was given a date that the case would be resolved in my favor because Hawn was not contesting the charge ...I was reassured over and over that this was a clear cut case and that I just had to patiently wait for the time to run out and it would be easily resolved in my favor.

As the case wore on and on, I received apologies from Chase customer service reps that the case was being bungled, that their company, Chase was continually screwing up and I was being led astray by the incorrect information that I had received by the numerous people in customer service from Chase.

Apparently they were getting accounts mixed up after the original credit card account had been compromised..

Several times I asked for one person to help me so that the case would have continuity... I was told that was not possible and that whoever got the information would know what to do and how to handle it...the reality could not have been further than the truth.

When I was finally given just one person to help me, and I had the chance to prove via copies of emails and letters on letterhead, etc that the company had lied about every issue in question, it was apparently already to late and Chase just threw their hands and said that everything was my fault as I did not provide the correct information in a timely fashion and that there was nothing more that they would do....

At this point by [redacted], I was also told that they could possibly issue me a courtesy credit for the 550.00 to keep me as the great customer that I supposedly was, but Chase eventually reneged on that as well.

Two Chase management account specialist representatives stopped returning my phone calls, [redacted] and her male counterpart. I found this treatment of me to be exceedingly disrespectful, but given the way the company had been treating me, I should not have been surprised.

The case was clearly lost because of horrific mismanagement by Chase. I believe that they should step up to the plate and reimburse me for the 550.00 that was lost by me because of their incompetenceDesired Settlement: I would have received 550.00 if Chase had not been negligent, thorough and incompetent in their review and management of my dispute against Hawn Auto Salvage. I complied with all requests made in every phone conversation that I had with this company.

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 18, 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 just checked my credit report & I was dishearten again. We are trying to buy a home & when they checked my credit they denied me because of this inaccurate account with Chase Bank USA.I already paid this account after I was verbally promised removal in return for payment. Later I called Chase Bank USA and inquired why my account was still on my report & I was told " [redacted] we cant remove the account because that would be illegal" I explained to them that I was promised that in return for payment & I was told , " either they lied or you are lying". This account is actually preventing us from buying a home & thus preventing us from putting food on the table & a roof over my family's heads. This account is completely innaccurate & those innacuracies should not be showing on my credit report. I disputed this account on my credit report with transunion, equifax & experian approximately 45 & 90 days ago as well & yest they still remain. This innacurate negative reporting has resulted in repeated denials of vredit, economic loss, damage to my reputation, loss of my self esteem, invasion of privacy, interfence with my work & family life & emotional distress.I was even stated from a document that Chase bank mailed to me that " delinquecy information is furnished to the credit reporting agencies when two consecutive payments missed". Like I said before I have paid for it for the 03/2012 month & I was never late.Desired Settlement: CHASE BANK USA [redacted] second request- this account is still showing late & was a billing error. The account was never paid late & the company is allowing false information to remain on my credit report. REMOVE LATE PAYMENT IMMEDIATELY for the date 03/2012.

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 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.

Review: On June 6, I paid off my Chase credit card account through online banking in the amount of $3,553.36. I then received balance transfer checks advertising 15months no interest from Chase Bank for this card and desided to use one them to pay down a different credit card balance. I wrote myself one of those checks for $2,000 with 15 months no interest. I then have made a few other purchases/returns that equal no more than $300 since then and now chase is charging me 10.24 interest on over $1600. I have called chase bank twice to find out the exact amount I need to pay off to no longer have interest and they say $1600 and some change. I have fought with them and said I should only have maybe $100.00 left with interest. I have continued to make payments every month since June which has been over $500 in payments.They told me that when I paid off the account and wrote myself the balance transfer, that they were processed to close together and that the no interest check was obsolet and so I will still be accruing interest. Chase has also stated that the returns I have made to the card were credited back to the "no interest" side instead of the "interest" amounts, which they cant fix. So now basically, I have paid off a different credit card with less interest to now pay chase more interest on the same money. This makes no sense to me. The credit card supervisors say it is my fault for making the payments to close together (which it never said I couldnt) and that they cant do anything about it.

I hope this makes sense, if you need more clarification please call [redacted]Desired Settlement: I would like to have only the "no interest" amount left on my credit card which is now less than $2000, like I orginally signed up for.

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 13, 2013. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

Review: To whom it may concern:

I am disputing the charges and SUBSEQUENT CURRENCY DIFFERENCES that occurred on my account for a charge made by the [redacted], in Kaprun, Austria on November 22, 2014.

On 11/22/14 at 1:03pm, Austria time, I purchased lunch at [redacted] while skiing that day. According to the POS/cash register the charge for lunch was €19.40. Unfortunately the cash register attendant typed €19,040.00 on a separate charge card machine and ran my card through. Unlike Europe based credit cards, there is no PIN number required for this transaction nor any approval of the amount by the purchaser. The number was typed in by the cash register attendant and swiped, WITHOUT MY APPROVAL. I noticed the error on the printout and informed the register attendant.

On 11/22/14 at 1:37pm 34 minutes after the initial charge on the same day, a manager processed a credit for €19,040.00 and then charged the correct charge of €19.40 at 1:39pm.

The charge of 11/22/14 posted on my Visa account on 11/22/14 as follows:

11/22 [redacted] - [redacted] 23,930.80

11/22 EURO

19,040.00 X 1.[redacted] (EXCHG RATE)

The credit made on 11/22/14 posted on my Visa account on 11/24/14 as follows:

11/22 [redacted] - [redacted] -23,562.38

11/24 EURO

19,040.00 X 1.[redacted] (EXCHG RATE)

The 2 day delay in posting the credit, (some banks float) resulted in a credit shortage of $368.42 (23,930.80-23,562.38) in USD terms due to the decline in the value of the Euro against the USD from 11/22 to 11/24.

Since I did not mistype the charge amount, nor do I benefit from a systematic float that bills cards immediately and lags credits work with the difference, I REFUSE TO ACCEPT THIS CURRENCY FLUCTUATION AS MY RESPONSIBILITY AND WILL NOT PAY THIS. I have been a great Chase customer, due to my outstanding credit rating and rather generous credit line, apparently $24,000 foreign currency charges are not questioned and are just approved?

I have contacted the disputes department at Chase. Their response is they are not responsible for currency fluctuations that occur between the charge and credit dates. Unfortunately the charge and credit (actual credit date) was the same day and 34 minutes after the initial charge. This is not an acceptable response. The amount involved is not immaterial and hence the FX fluctuation difference is not immaterial either.

In past situations where I have initiated a foreign currency transaction and then subsequently returned merchandise or reversed the transaction at a later date, I HAVE ACCEPTED THE CURRENCY FLUCTUATIONS, both positive and negative.

Since this issue was not caused by me, I WILL NOT ACCEPT RESPONSIBILTY for the material currency fluctuation shortfall of $368.42.

I will be short paying all future credit card bills for this amount ($368.42) and WILL NOT ACCEPT ANY INTEREST CHARGES, FEES OR ANY OTHER CHARGE RELATED TO THIS FX DIFFERENCE.

I suggest you either write this off your books or charge back the merchant as the typing error and subsequent currency exposure in my account IS THEIR OR YOUR RESPONSIBILTY NOT MINE.

I have now spent 7 hours talking to various people at Chase regarding this matter. I have neither the patience nor desire to pursue this further. Please resolve.Desired Settlement: I expect the $368.42 credit fluctuation to be written off my charge card account. If Chase wants to approach the merchant, that is their choice. Frankly the issue results from some business/banks desire to work with the float on these transactions. A charge is billed 2 days before the credit, eventhough the credit occurred 34 minutes after the charge on the same day? Not acceptable to the consumer/me.

Business

Response:

Tell us why here...Tell us why here...This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on February 6.2015 .They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been ad,ised they may share the response directly with you.

Consumer

Response:

I talked with [redacted] on 2/4/15 at Chase Card Services Executive (1[redacted] office and she assured me the currency difference credit shortfall due to the lag of credit processing versus the charge itself involving an erroneous original charge of €19,040 amounting to an FX difference $368.42 would be credited to my charge card within 5-7 business days. Therefore complaint ID [redacted], has been resolved to my satisfaction.

Regards,

Review: Chase/united and Chase/Southwest Cardmember services both closed my accounts with out any reason. I've tried calling them and no one can give me an answer. I paid all my bills on time, and gave them no reason to cancel.Desired Settlement: Restore my accounts and re-issue credit cards.

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 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: My wife has called and cancelled this card on more than one occasion and is told it is cancelled only to have new cards mailed to us. This has been going on for a few years now and we do not want this credit amount incorporated into our credit scoring. PLus it is just one more opportunity for credit card theft that we want to avoid. Don't we have some rights as consumers to not receive this stuff? Please try getting through to these people! They are a nuisance.Desired Settlement: A letter confirming they will never send us anothe r card without our requesting it 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 July 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.

Review: I have called Chase at least twice in the past year to notify them that even though I click submit/confirm when making a payment each month around the 1st, before the due date, it doesn't take. I make sure each time I go through every single screen necessary to finalize payment, but Chase doesn't receive my payment. I only find out about 15 days later when I'm told I'm late for a payment and they charge me $25.Each time I tell Chase this, they say 'i'm sorry to hear you've had problems' but never EVER do anything to rectify this technical issue.In the past they have been sympathetic and refunded the ridiculoud $25 charge, but the two jerks I spoke to today refused. I first spoke to Brett L in the Midwest and he transferred me to [redacted] in San Antonio. Both were belligerent and uncaring. They just wanted to keep my money.

Product_Or_Service: credit card

Order_Number: n/a

Account_Number: n/aDesired Settlement: DesiredSettlementID: Refund

Refund me my $25.

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 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: Process for applying bonus offer ineffective despite calling multiple times. Failed to apply miles within billing cycle that I met the spend criteria

Bonus offer for credit card stated 50000 miles when $ 2000 spend met. Spend criteria met on Oct 31. I called Oct 23 to have bonus offer applied to my credit card application, which was submitted previous week. I called the day

Card application was submitted, they told me to call back once I received the card which I did on oct 23. Representative said there was no issue and he applied the bonus offer. He did not state that I was required to call back when I met the $2000 requirement. Billing cycle ended nov 7, only 30k miles applied. Called nov 9, extra 20k miles were never submitted. Rep submitted 20k but won't be applied until Dec 7.Desired Settlement: 20,000 Bonus Miles promised in contract applied immediately

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 17, 2014. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

Review: I called for a reconsideration on my credit card application. The agent was friendly and agreed to reconsider. She put me on hold while she "looked over my report". What I didn't know what that a reconsideration request authorized her to actually pull a SECOND hard hit on my credit report. I assumed that since they had already pulled a first report on my application that she would be reviewing that one. I do not believe I was properly notified of this beforehand and my credit score has plummeted by 30+ points overnight partially due to that miscommunication. What's worse is that she didn't even need to pull my report to have the discussion with me! My score had nothing to do with the points I was going to discuss. I have seen over $60,000 go through my debit card account in the last 16 months and all I want to do is have a credit card that can handle that kind of cash flow and get some miles from it. I'm practically giving Chase money by applying for this card and they simply wouldn't see it that way. Just because my current card limit is small doesn't mean I'm not more than qualified to handle a larger limit. But there was absolutely no discussion about it simply because my "credit report doesn't meet the qualifications". I could have told you that, give me a break. Chase did not need to run an unnecessary hard inquiry for the reconsideration. I feel that I have been treated totally unfair and now my credit score is suffering for it.Desired Settlement: My bare minimum desired outcome from this situation is that the second hard inquiry from Chase Bank be dropped off my credit report. The only way I will walk away truly satisfied from this horrible exchange is if I was offered approval on my credit card application. I feel that an authentic conversation about my qualifications will show that I meet their requirements.

Business

Response:

This e-mail is to acknowledge receipt ofyour correspondence. Chase takes consumer feedback very seriously. We havefully reviewed this matter and responded to the consumer on October 14, 2015.They should receive our correspondence within 5 to 7 business days. Inorder to protect consumer privacy, they have been advised they may share theresponse directly with you. Tell us why here...

Consumer

Response:

Review: Day Received a Chase credit card Freedom offer in the mailSigned up for the card on the website (using a PO box), Never a point in the process of application that a PO box was invalid or not to be usedHence the application went throughI was approvedDay I called the credit card department to have the card expedited so I could make purchases in two daysThe rep on the phone informed that it would take two business days and it would ship out priority with no chargesDay 5.Received the card in three days not the promised twoThe name on the card wasn't of the applicantIt was my spouseCalled the credit card services to have the card activatedThey informed me that the account had been closedI asked them why and they said that they didn't have an address on fileI informed them of my physical address and that during the application process that it didn't state that I couldn't use a PO boxThey would not take my address over the phone they informed me that they would send a letter to me informing me that they needed my addressI asked them how, if they didn't want to use my PO box for the activation of the card? I also informed them that the card that was expedited was not of the applicant, and would like to know if they expedited my cardThey said sorry and sureIt would be there in daysI asked for another way to update my address they said that I would have to wait for the letter in the mail then send in a copy of gas or water billOR go to a physical location with the necessary information and give it to themDay I go to the physical location with the necessary information and the cardThey called in on their internal line uses and scanned the information overThey said ok all done, I asked so the card is activated? They said no it would take up to business days for the process to go throughI asked if there was a way to expedite the issue they said sure let me call them backThey called them back and they said they would expedite the issue and update processTotal time at location was mins, and left with card not being activatedDay receive the correct card in the mail (applicant)Called the activation line for both cardsThey informed the account was still closed and put me on hold for mins, Came back on the line and they said that they just received my informationI asked so are my cards activated? They informed me no that, I will receive a letter in the mail in 5-business daysThey said the letter will inform you whether the card is available to be turned back on? I informed the rep (Desiree Araiz of Springfield Missouri) that I went to a physical location to give them the necessary documents for my physical location, and there was no discrepancy at the time that she scanned the information and that this issue would be expeditedShe said yes there seems to be an adequate address, I said and I have already been approved for the card and received both copies in the mailWhy would there be a possibility for my account to still be closedShe said she doesn't know because she is not the one sending out the cardI asked could this be expedited and she said that it will take 5-business daysI asked her is my account still closed she said yes, I said I got approved for the credit my credit score is goodI got approved for the credit card correct? She said yesBut Chase closed my account correct? She said yesAnd I have sent you all necessary information for the application process correct, she said yesSo why would there be a reason that the account shouldn't be opened back upShe said she didn't know because she wasn't the one sending the letter
I asked since the account is already closed not by, but by Chase I don't appreciate the time and energy that I have had to waste to get this card turned, would it affect my credit score if I leave it closedShe said closing account will always affect your credit scoreI asked I understand that thats why I DONTBut Chase closed the card out when I have been approved and have complied with all your necessary application process, and that if your website had stated that it couldn't use PO boxes I would have entered my physical address but it didn't, and I have literally done everything and went out of my way to get this card turned on, and your telling me that I have to wait two more weeks to see whether the card will be opened back up?? She said yesIt would put this credit card process into almost weeks just to use it
The irony that I informed her is that my wife has the same exact card and we have everything going to out PO box, that Chase sent me the application to my PO box
They showed no compassion to me and my almost pristine credit score or the fact that this will affect it in a negative way
I have chosen to not do anymore business with ChaseAnd will not be using our other Chase Freedom cardI informed the rep to take me and my spouse (which is the same PO box) off of there mailing list that I do not want any more offers or anything from ChaseShe said it would take months for this!Desired Settlement: I want them to send a letter explaining the reason they closed my account to the credit bureau to make sure this credit card does not in ANY way affect my credit scoreAlso to alleviate future headaches to update their application process to not allow any PO boxes to go through
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 December 9, 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

Review: Chase interests rates are way above National Credit Card Rate average and I believe they are taking advantage of their customers with excessive interest rates.Desired Settlement: Lower my interest rate

Business

Response:

This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on November 13, 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: Improper credit reporting of debt after agreement to remove debt from my credit report.

In college I had obtained 2 credit cards through Chase. As many college students do, I racked up some debt (less than $1,000) and missed some payments. I contacted the company after college and settled my past due accounts with them. At the time, the representatives informed me that they would be able to remove the negative reportings from my credit reports if I was able to settle the debts with them. I agreed, and complied with my end of the agreement. I have since pulled my credit report, over 4 years later, and found that both were still being reported as charged off accounts with a past due history. I contacted Chase to have them removed, as I was told 4 years ago that they would be. The Chase representative told me that they will not remove them because they go against internal policy. I feel this is unfair business practices to make promises to consumers in exchange for them paying off accounts. Had I known that the accounts would remain on my credit reports, I would have paid the minimum amount necessary to bring the accounts current and not the entire balance. I only paid the balance and closed the accounts because I was told that this was the only way they would remove the negative reporting from my 3 credit reports. I am not claiming that the debt did not need to be repaid. I am aware that it was mine, and it was my job to pay it off. I am stating that I did more than was required of me in an attempt to get the debt removed from my credit report under false pretenses. I have repeatedly asked Chase to review the tapes from my calls at the time of settlement, and they have so far refused to do so.Desired Settlement: I simply want them to remove the 2 negative reportings from each of the 3 reporting agencies reports. This is detrimental to my ability to obtain a mortgage for my family and is causing me an unfair hardship.

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 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.

Review: At Nov. 2013, I accepted a 0% balance transfer. The statement said will expire 2/2015, but later the bank changed the date to 1/2015. Now I was charged $44.51 interest. I contacted the CS, they refuse to refund me.Desired Settlement: Refund the $44.51 interest charged in 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 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 trying for almost 2 YEARS to get this issue resolved. My mother and I applied for a business credit card. We were BOTH told that we BOTH would be on the card and the responsible parties. I was also told that the card was interest fee for 6 months under a promotion, and that there was a 15 day grace period for payment on the card.

After paying on the card for almost 2 1/2 years, I became unable to financially, so my mother began making payments. At this time is when we found out that I was NEVER made a joint responsible party on the card, that they made my mother the sole party, and that they had more than doubled the interest rate on the card, because I took advantage of the grace period.

I have tried time and time again to get these issues resolved, and no one is helping. So I have no other option except to file a complaint at this time.Desired Settlement: I want ALL of the bills corrected, and this account credited.

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 3, 2014. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

Consumer

Response: