JPMorgan Chase Credit Card

Review: I made a dispute with Chase regarding a charge with a merchant. The dispute was settled, but not for the full amount. I was told by the merchant that I would receive a shipping label to send the item I was returning back to them, free of charge, however I was in fact charged to send the item back. I was also informed that I would be refunded the full amount of the unused portion of the product, so it was my understanding that by sending all of the items in the initial order that I would be getting a full refund. However, I was still charged for a product that I not only never used, but is no longer in my possession. I called Chase to reopen a dispute for the remaining amount and was told by the representative to fax in a letter explaining my case, along with any documentation to support my claim. I sent a detailed letter, the shipping label that the merchant provided me, plus the email from the merchant stating I would not be charged for shipping. However, Chase did absolutely nothing to assist me in disputing this final amount, even though I took all of the necessary steps that they told me to do. They informed me that they could not stand behind what their associate initially told me, and that they couldn't reopen the dispute because it was marked as "Settled." They said the only thing they could do would be to give me store credit for the merchant, which is unacceptable.Desired Settlement: I expect to receive a full refund from Chase. I was promised by the merchant that I would not be charged for shipping, and that I would only be charged for the unreturned items. I included everything that I received from them in the box I sent back and attached the shipping label that they provided me. Chase failed to act in the best interest of their customer and I feel that they are not making the necessary effort to protect my purchases through them.

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 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.

Review: chase said they sent me a credit card with 6000$ limit ,and did a 300$ transfer to a citi card they never got any transfer, and chase sent the bills to a address where we never lived.They are crooks they know this was a fraud but because it happened in house they say it is my problem .Well we can only advise not to ever use this bank .They will stick it to you ever chance they can .We have tried for months now and they don't care .thank you passing this info to your friends. This credit card has never been activated or sent to my house and they still say we have to pay the 300 plus the 250 late fees but we never got the dam bills they were sent to another town and completely different address.Desired Settlement: Fix my credit

Business

Response:

Tell us why here...

This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on February 16, 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 got a Chase Slate card sometime in 2013. They were offering and introductory 0% APR for 15 months, which expired on August 20, 2014. Every purchase I made was within the introductory period. All payments were made on time, and mostly early. There has been no purchase made on this card since the introductory period ended on August 20, 2014. When I went online to make this month's payment, I saw they charged me interest on my balance. At no point during the process did this company advise me that the "REGULAR" APR would be charged to purchases made during the introductory period if they had not been paid in full. This company is bleeding me for money that I do not owe them. All they keep saying is that the introductory APR ended on August 20,2014. I KNOW that. I'm not disputing that. What I'm livid about is their deceptive tactics, and the fact they are trying to charge me 22% interest when every charge to the card was made BEFORE August 20,2014 at a rate of 0% APR. If I had made any purchases after that, of course they would charge interest. But again, all purchases were made during the time my APR was 0. I have had other cards that used the same 0% introductory APR offer, and not 1 ever charged a cent of interest on purchases made during that time. Again, at no point on time did it ever say that when the regular rate went into effect, interest would be charged on any balance incurred within the introductory period.Desired Settlement: My desired settlement is that they remove these erroneous interest charges, and do not charge me interest on purchases made during the time frame I had 0% interest

Business

Response:

This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on October 22, 2014. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

Consumer

Response:

Review: Chase is reporting a charge-off in the amount of $3,633, during April 2010 to the three major reporting agencies. I've tried since September 2012 to 1) obtain verification & supporting documentation of the amount and 2) to seek resolution, (payment and/or settlement).Chase response is "the account was sold with all rights, title, and interest....on May 6, 2010. We are no longer handling this account, and we are not responsible for the collection efforts".

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

Since Chase is "no longer handling this account, and are not responsible for the collection efforts" and as such refuses to provide supporting documentation of the amount due and resolve this matter I am respectfully asking Chase to remove all negative entries and reporting regarding account [redacted] from all three credit reporting agencies.

Business

Response:

This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on March 5, 2014. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

Consumer

Response:

Review: I have wrote to chase and asked for verification/ validation of a debt they say I owe . I am not aware of a debt and they have not told me my last payment if any was taken and in the state of texas there is a 7 year statue of limitations. I believe that this is the case. They have not given me any information but to call cascade and a ph # They sold the debt. By law Chase is suppose to give me an address and payment history or at lease til me when the debt took place. I have not had a Chase credit card in the last 7 years.Please delete from my credit file.Desired Settlement: correct their mistake!

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 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 had to cancel my trip to England September 2013-because of sprained ankle [redacted] agreed to send me back$84.00which I had paid for my seat assignment October 2013 Chase charged me on my Visa card $84.00 paid $84.00 on my October bill for [redacted] why I paid it I do not know -but I always pay my bill in fullNovember Chase credited my Visa for $84.00 balance for the money owed to me by [redacted] December [redacted] credited my account and a refund of $84.00 2 refunds each $42.00 = $84.00 now that is correct I should have my credit January 2014 Chase again charged me $84.00 for [redacted] I paid it -why I do not know so I have got no money as Chase has kept my refund I asked and asked them to send me the $84.00 which [redacted] sent to them for me in December They refuse to send it to me I am owwed $84.00 They say I have received the refund - but I have not I paid $84.00 in October and Januaray 2014= $168.00 and was given a refund of $168.00 November and December this equals 0 Where is my refund of $84.00 I have called and written Chase seveal times and they refuse to send me my owed $84.00 they said I have already received it You can see I did get 2 refund s but I paid _$168.00 also -- so no refund actually Could you pleae help me [redacted]Desired Settlement: Please have Chase refund me $84.00 owed and paid by [redacted] for cancelled trip

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 12, 2014. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

Review: To Whom It May Concern:

I wish to dispute the following reporting on my credit bureau reports: [redacted] I dispute the negative credit bureau reporting for the following reason(s):

In March of 2008 I did not sign for my ex-spouse to add my name to his credit card accounts. [redacted] was having an affair and had his girlfriend study my signature then sign my name in hopes of “sticking” me with the debt after our separation. I pray that you remove the two above mentioned accounts from all three credit bureaus.

I have requested that Chase remove my name from the negative reports but they refuse. THIS IS NOT MY DEBT - I DID NOT SIGN FOR MY NAME TO BE ADDED TO THESE ACCOUNTSDesired Settlement: Chase needs to be removed from Experian, TransUnion and Equifax. THIS IS NOT MY DEBT.

Business

Response:

This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on June 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: Ive been a Customer of Chase for years and using the Card for Purchases and more, and I earned alot of points< CHASE ALL OF SUDDEN WITHOUT ANY NOTICE THEY SUTT MY ACCOUNTS AND STOLE POINTS, RUINED MY REPUTATION------ THEY EVEN HAVE THE CHUTZPA TO CHARGE ME NOW ANNUAL FEE FOR A CARD THAT THEY CLOSED ALMOST 2 MONTHS AGO----Desired Settlement: Need back the POINTS, Card Re-Opened, Credit Annual 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 November 29, 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: Statement due on 09/16/14 was paid in full on 09/05/14. When I receive my next statement it says I owe interest charges. How can you owe interest on a zero balance. I called and was not satisfied at all with explanation that statement is not in real time. It says on back to avoid interest rate pay balance in fullDesired Settlement: I want these charges taken off.

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 8, 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: Chase bank has so far this week taken my entire work check in insufficient fund fees , and are unclear how they manage these charges and I believe they are manipulating my debt card transactions. What I think they are doing is reordering my debt card transactions so they can have a fruitful reason to charge a fee. Chase Bank is clearing checks on the date that the checks are writen to the bank and not on the date that the check is received by the bank, but they only seem to do this when it benefits the bank. All of this has cost me financial struggle these last two weeks , I have low income and still have to pay them my credit card payments which are from the same bank. I see it quite questionable that they took my entire check this week in insufficient fund fees and that I still have a negative balance , I find this is an unethical ,shady and a lack of clarity in their financial practices and it has had a huge impact on me since I have a low income at the moment.Desired Settlement: I want my fees reversed and the money from my earned check 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 October 02, 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: Chase Credit card offers 2 times points when using credit card on home improvements per the united mileage plus award miles summary but they have not honored on all home improvements,only on some . I feel this is a misrepresentation of there credit card and should be honored.Desired Settlement: refund all miles on entire 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 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.

Review: I paid my bill in full. August 17th I paid $100.00 and August 20th I paid the full balance of $1719.62. I received a monthly bill in the mail August 27th and it had a balance due fo $31.35 which is interest charges that was applied to my account after Paid in full on the August 21st. I called and they were trying to explain why the interest were applied. Maybe I am looking at this wrong but never heard of this. Your help will be very much appreciated.Desired Settlement: I would like the interest of $31.35 removed from the account and would like the account closed.

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 September 02, 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:

I have reviewed the response made by the business in reference to complaint ID [redacted], and I have not yet received the responsed that they reffered to in their message. They said I should receive the message within 7 days and I am waiting for their reponse to me.

Review: On Saturday 11/23/13 I logged into the on line payment system for Chase to make pmt for Acc# ending in 7819 as I always do each month and set up my payment(while the payment was not made on the date due because of some financial issues as long as I get it in prior to the closing date it will not go aganist my credit). On Monday the 25 we had a missed call from Chase asking for a call back. Knowing the payment had been made on the 23rd I was curious as to why Chase was calling so logged back into my account online to see that there was no payment showing on the 23rd, So the pmt was set up again and my wife (Angela, who Ive given Chase premission to speak with regarding any and all issues on my acct) called Chase which is when she spoke with Alex who and explained that logged in on the 23rd and set up however it was not showing as of today. This has now been reported as a late pay on my credit report and repeted attempts have been made to get this resolved through Cust Serv with Chase to no avail. I have no idea why the payment made on the 23rf of the month did not post but it was made on line as every month. I work very had to keep my credit in good standing and now due to this issue it is no longer

in the good standing due to what I can only assume would have been a technical issue with the Chase system. I also requested a reduced interest rate and payment amount to get the account caught up and pd down but that was also denied.Desired Settlement: The negative late payment information removed from my credit report which again should have never been reported and reduced interest rate on this Acct.

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 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:

Review: I was asked to pay extra $748 for 5 nights resort stay with 4 adults on the phone. Before providing my credit card to merchant, I consult Chase for the said non-refundable transaction if the merchant won't provide the promised service. Chase told me to go ahead to purchase since my order with chase credit card is protected and the transaction cost can be disputed if merchant won't provide the promised service. Two hours after I paid $748, I informed chase to freeze or delay to pay $748 because I haven't received the final confirmation on reservation of 5 nights stay with 4 adults. In the following 10 days, I contacted merchant everyday, but nobody wanted to complete my reservation. I told the merchant to refund $748 if my reservation can't be finalized. The merchant didn't want to process refund since it is non-refund transaction. The merchant didn't want to complete my reservation either.

I filed transaction dispute to chase. However, Chase said Chase couldn't help me since it is non-refundable transaction.Desired Settlement: Per the payment contract, since the merchant didn't complete my reservation as promised, I am NOT constrained by this non-refund payment contract. I am NOT responsible for $748 transaction. Debbie, the supervisor of the merchant, refused to reply my phone call. I couldn't get refund processing by the merchant. Thus, Chase should process $748 refund per the credit card term and the provided advice.

Business

Response:

Tell us why here...This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on April 25, 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: This consumer complaint is regarding the way in which JP Morgan Chase Bank handled a credit card dispute I opened numerous times.

I have disputed this charge in the past, and at first, the financial institution correctly issued me a credit.

Then, for whatever reason, they reversed the credit.

I am requesting the credit again as this charge is not recognized by me. It is not familiar, and it likely fraudulent. I have not received any documentation from Chase Bank stating otherwise.

I will not pay this charge. It is the burden of the merchant and the financial institution to prove that my dispute is not valid. This has not been completed and I received no documentation or information that was required to provided to me.

This charge was made on my CHASE FREEDOM credit card account.

I would appreciate Chase crediting my account in a timely manner. As mentioned earlier, I will not pay this amount under dispute and will go to court if necessary. Here are the charge details:

Per existing claim number [redacted] that was previously opened with JPMorgan Chase Bank on

08/23/2014,

I am requesting credit of $41.30. This charge is with merchant NYC TAXI

from a transaction dated 08/20/2014.

Thank you for your assistance with this.Desired Settlement: I am requesting credit of $41.30.

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.

Consumer

Response:

Review: Business credit card bill for March was 2137.55 which we paid in full. There was a charge for $14.04 interest on the next bill which the customer service rep could not explain rationally. We had several charges reversed in the previous month as Chase and our business attempted to resolve an discrepancy with a bank account number where funds for payment were pulled from. My feeling was that the representative denied my request for a credit because there had been recent adjustments. Bottom line, we paid the amount due and still received an interest charge that we would like reversed. Not a large amount I understand but it it the principal of the matter. Thank you.Desired Settlement: We would like the $14.04 in interest credited and if it is not to be credited, help us understand why when we paid the bill in full, interest was still charged and we should have reasonably known this was going to happen.

Business

Response:

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

Review: Hi, This is regarding my chase united credit card. I've had the aforementioned credit card since 2010 and a month or so ago I started experiencing declined transactions. It was surprising since I've never been late on a payment (auto-pay setup). Upon calling Chase I was informed that my account has been suspended as I had failed to submit some information. The representative informed me that the information (identity verification) was requested via us postal service mail and wasn't returned by me. Upon being asked why no other channels were used to contact me before account was cancelled (they have my email and phone which they gladly use for promotional offers) I was told this is simply their policy. Please note that I never received the document which the bank claims to have mailed me.Additionally since the credit card charges an annual fee I asked the representative to refund the remaining fee since my account was cancelled before a full year of services were rendered. Upon this the representative informed me that the bank cannot refund any fees beyond 60 days of account. Despite my repeatedly asking that since its an annual fee and the bank has chosen to retract its services I deserve my fees back the representative failed to refund the fees.I would like to request the bank to look into this matter and pro-rate the annual fee and refund the portion for the timeperiod I didn't get to use the card? Thanks[redacted] Product_Or_Service: Chase United MileagePlus Card

Order_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

I would like a refund for the 3-4 months that my card service was declined by 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 10, 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 been using this card since like 2003. It was named Chevy Chase Bank card, then they switch to chase card on like 2007 or 2008, I was not properly informed. Overall, I like their services. I also like the fact that it is a master card. However, chase switches my card without my consent again. Chase switches my master card to a visa with a complete new 16 digit card number. I looked at some credit card website. It is showing that customer can receive a promotion for a new card. The promotion is that if customer spends $500 in three month, customers can receive $100. I thought it will apply to me because I just got a new card. I called Chase and spoke to a girl name, [redacted]. I explained to her how long I have been a customer with chase. I asked if there are options to stay with my master card. She said no. I asked since I receive this new card with new 16 digit card number, will I receive $100 credit if I spend $500 in three month. She said no, there is nothing she can do or I can do. She said everyone is switching to VISA from Master regardless if they like it or not. I really disappointed with Chase regarding this matter. Customers should have their choices. It seems to me that I am helping to promote monopoly to against anti-trust law.Desired Settlement: Let customers who like to use Master card to stay with master card. Or honor the "Earn a $100 Bonus after you spend $500 on purchases in your first 3 months" [redacted] on Facebook

Compare credit cards here - [redacted]

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, 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: Credit Inquiries??

I have several Chase Cards & Accounts.I love doing business with Chase & Want nothing more than to continue doing so.With that said, in most instances I have received proper customer service except for a few.I have the following inquiries on my Experian credit report from Chase Bank.2/4/15,2/3/15,10/7/14,5/3/14.Please note,that I am not by any means disputing the inquiry on 2/3/15.Yes,I have contacted Chase via mail and have received a very generic response in regards to my request to have the inquiries removed.I do not want to be told I have already received a response yaddi yaddi ya.Inquiries dated 5/3/14 & 10/7/14 were because I,over the phone, requested a credit line increase.I am sure I will get a response stating that it states here and there a hard inquiry will be done BUT when on both occasions I asked the rep what would be done in order to process my request and neither time was I informed that it would be a hard inquiry.Your reps should know that it is.Had I checked my credit report and seen the first one generated a hard inquiry I would not have proceeded with the second on 10/7/14.On 2/3/15 I was approved for a Chase Freedom CC and it stated below,"once you receive your card if you are not happy with the credit limit you can contact us and we'll be happy to discuss this with you." Which is what I did on 2/4/15.I told the rep I was hoping for a higher limit and since they pulled my credit yesterday,Can anyone look it over with me and maybe make an exception to raise it( with many banks their recon department will do so ) She asked for a minute and stated that No,that was the best they could do.Never telling me she was performing a credit pull.Is there not a disclosure that needs to be read or something before?Many banks do this without pulling your credit report.Why was that not the case with this bank and why was I not informed it was being pulled.As I stated, I appreciate the opportunity to be a Chase customer and hope that Chase Bank will make a good faith call and just remove the inquiries ( 2/4/15,10/7/14,5/3/14 & I can assure you I will continue to do business with Chase if this is done and If I ever request a CL increase again,I will now have the knowledge about what will be done.Thank you.Desired Settlement: As stated above.Inquiry Removal.

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 25, 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: A deletion upon payment was promised by Chase bank but once I satisfied the account they went back on their promise to submit a "Universal Data Form"

I just reviewed my credit report and couldn't believe my eyes. I'm trying to buy a home and when they reviewed my credit they denied me because of this particular inaccurate account with Chase Bank. So,Chase Bank is actually preventing me from buying a new home and as a result preventing me from putting food on the table or a roof over my children heads. Since this account is completely inaccurate and those inaccuracies should not be showing on my report I disputed them on my credit report and even hired a company to help me yet they still remain. A deletion upon payment was promised by Chase Bank but once I satisfied the account they went back on their promise to submit a "Universal Data Form" to have the account removed. I know this is a tough world but going back on your word is just wrong. The account is paid and I expect it to be removed as promised.Desired Settlement: I consider this defamation and I want this removed from the 3 credit bureaus 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 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

Consumer

Response: