JPMorgan Chase Credit Card

Review: I have called this about this credit card 3 times. Each time they tell me that my credit card balance is now at zero and in good standing. I closed the card with a balance of the annual fee on it. The card was closed before 60 days was up and they said the annual fee would be credited back. This much they are not disputing. They agree that my balance should be zero! But each time I call the the credit has not gone through. So at this point its being reported automatically to Trans Union that I am late on my payments. When I called today I was informed that I need to call Trans Union and dispute this info. But THEY are the ones reporting it. They need to fix what they are reporting to the credit agencies. They agree my balance SHOULD be zero but it is not. Yet they say they can't see the negative report, but I can. They need to process this credit immediately and report me in good standing. They agree with everything as far as what the balance SHOULD be, yet it is not!Desired Settlement: To reverse the report to the credit agencies as well as report me currently in good standing as they say that I am. So I would like it reported that way!

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 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.

Review: A deposit was made, and customer service stated they would have to place deposit on hold to verify it, and any insufficient fund would be refunded

A deposit of over $4,000 was presented at Chase Bank on [redacted] on Monday, August 19th. At that time, the teller, [redacted], stated the check would have to be placed on hold and verified and could take up to 10 days. She also stated any insufficient funds from checks going through before the deposit is verified would be covered. A few days after checks were presented to the bank and insufficient funds were placed on the account, we contacted the bank again to have the insufficient funds removed and they agreed. However, a rental check went through on the same day of the deposit but was returned unpaid by the bank. A phone call to the bank speaking to a different teller revealed that a hold should not have been placed on the account and the deposit should have been good for the day it was deposited. Because the rental check was returned to the landlord, we were charged an extra late fee of $155 and neither the landlord nor Chase bank feel they should pay for it. Chase bank offered to write a letter, however, the landlord would not accept it because it was a bank error. The bank agreed that it was their error, but they would only refund the insufficient fund fees not the late fee for the apartment complex. We feel since it was a bank error, the bank should be responsible to cover the late fee at the apartment complex for the $155 charge.Desired Settlement: Late fee from check being returned for $155.

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. In order to protect consumer privacy, the consumer has been advised they have the option to share the resolution directly with you.

Sincerely,

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: On February 15, 2015, a merchant (Europcar Italy) posted $51.49 to my Chase credit card. I called Chase customer representative when I saw the amount pending on my account and she opened a dispute because I told them that this is not a valid entry. I never authorized this amount. I didn't get an update so I used their system to open a dispute. I opened another dispute on 2/23/15. I never heard anything from my complaints so I followed up. I already explained that the merchant was wrong and I also sent an email directly to the merchant and never heard anything back from the merchant. I kept following up and they never responded to my dispute and it's been one month. Chase kept sending me an automated email asking me to tell them about the dispute. I've been sending them emails to tell about the unauthorized charges. It was frustrating that they are not looking at the trail of emails on my dispute instead of repeating myself. When I called them, they knew about the dispute and the supervisor was not available.

I've experienced an authorized charges with other credit card company like American Express but they were fast on responding and resolving the dispute. Unlike Chase Visa, they will post anything and put the burden to consumers.Desired Settlement: Credit back $51.49 to my card. Thanks

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 March 20 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 third party charged my Chase Ink card without my authorization on 11/27/2014, using the credit card information I used in my past purchase. I contacted Chase, informing them that the charge was not an authorized one and should be considered invalid. Chase informed me in a letter today, stating "the merchant advised us that a credit was not promised." I never stated that the merchant promised to issue any credit, since the whole transaction was fraudulent at the very beginning: he stole my credit card information and charged it without my knowledge at all. I have called Chase multiple times and spent a few hours trying to explain the situation, yet I still got this letter, reflecting that their service personnel did not even understand the issue. This is a huge disappointment. Ironically, on the same day I received Chase's letter of resolution, I got another letter from Chase repeating "0 liability on unauthorized charges!" Shame on you, Chase!Desired Settlement: I cannot accept the result of being forced to pay for some merchandise sent to me without my knowledge and authorization. I need to have the amount of $119.95 charged to my in account removed. Since I cannot trust Chase in handling my credit card, I shall cancel my Chase credit card accounts upon the resolution of this matter.

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 7, 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: Getting charges for overdraft protection from j p Morgan chase. No documentation that I agreed for interest charges from my credit card re: over draft. Came to a branch and spoke to associates & they could not provide me any proof that I agreed on the terms. I'm getting charges of $10 every over draft transaction + daily based interest on the transaction every month. The bank offered me refund for 2013 but would like it since these charges were stared. I want a full refund.Desired Settlement: Full refund since these matter happened, not just for current year.

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 12, 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 have spent many years getting my credit to where it is very good. Chase Card Services charged me a late fee of $25.00. I mailed my payment which was due August 1st, on July 18th. I spoke with them and they blame the post office. Funny thing is, all my other bills I mailed got there in plenty of time. I want the fee back and the late payment removed from my account [redacted]Desired Settlement: Late fee returned to me and the late fee removed from 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 August 16, 2013. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 9661223, and find that this resolution is satisfactory to me.

Review: this is in regard credit card number:[redacted] I have paid this account in full and expected a zero balance on my account however I have received a bill for $ 72.87. I have called the company to try to resolved it. there seem to be no willingness to fix the problem.Desired Settlement: I would like to have my account cleared of any eroneous billing that is in the account and remove whatever fee that is showing on my card. I would the problem resolved, and close the account without any negative report to 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 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.

Review: Chase had sent me a new card, and I called them, They asked me a bunch of personal issues down to even my banks name and wanting me to tell them my account numbers. I have called them 4 or 5 times And told them their is no problem with my account and yes I did make those pursures. Every time they call me up 30 min. after I get off the phone with them and say to call them back with some code. I make my payments and have been and I am trying to reduce my bills down but I do use the card for gas at a time due to I want to reduce my bills. Now they at chase have made my card where I can not use it and every time I call the number on the back of my card I still can't hear how much I owe or anything unless I stay on to listen to customer service which I have had enough of because they will not listen to my account is find and every is all right so I now can only see online my account info.Desired Settlement: I want my account back to where I can use it. And if I make a charge no matter how little the amount I don't want their fraud center to be involved and as long as I pay my bill I will be in good standings and be able to use to card when I need it and whatever Revdex.com seeks.

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 16, 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...

Review: My name is [redacted]. I am writing to see if you could help me with a trip cancellation claim.

I spent $659.20 on two round-trip air tickets (RDU to MSY) with my Chase Sapphire Preferred card from Southwest Airlines in December 2013. Due to my father's death, I cancelled the trip, and received $659.20 travel fund from Southwest Airlines, which was expired by Dec-2-2014. Before the expiration, $188.00 was used. Thus, I tried to take the advantage of Chase Sapphire Trip Protection benefit and filed a claim of $471.20 refund ($659.20-188.00=$471.20) in Oct 2014.

[redacted], a third party administrator, was assigned to take care of my claim (Claim number [redacted]). At first, after I submitted all related documents with a claim form through their website, the claim was denied, and I was asked to wait and resubmit it after the travel fund expired after 12-2-2014 (I still keep the voice message from Crawford agent which I could provide per your request). However, after I asked to reopen my claim on 12-2-2014, I never received any feedback since then. I tried to call the agent who is in charge of my case, and his manager as well to see if any update available, however never had a chance to talk directly with them. I also left a few pieces of voice messages asking for the case status, but no reply either. I am so frustrated, and contacted with Chase Cardmember service again and submitted all the documents for a dispute to see if they could provide any help in Jan 2015. However, after their investigation they replied me as "Since a significant amount of time has passed since the December 13, 2013 date of the charge, the merchant isn't under any obligation to provide a credit to your account. We contacted the merchant to request a credit for your account and, unfortunately, our request was not honored. Based on our review and the information available to us, we consider the charge valid. The disputed amount will remain on your account and will be included in the balance on your next statement." I think this is unacceptable because, first, no restrict deadline for a refund request of a trip cancellation in Chase Sapphire Preferred card policies; second, this time issue is not my responsibility--as I mentioned, when I first filed this claim back in fall 2014, [redacted]. denied my request and asked me to wait and resubmit it after the travel fund expired after 12-2-2014, then no feedback from them anymore, even after I contacted with Chase in Jan-2015. I asked Chase to reconsider this dispute, but after another super long time waiting, recently, they replied me "We've completed our review and as noted in our previous letter of January 24, 2015, we consider the transaction valid. We have notified the credit reporting agencies below that you disagree with our decision.

Experian (TRW) Equifax Options TransUnion Corp

PO [redacted]

www.experian.com www.equifax.com www.transunion.com"

I wish I made my issue clear, but in case you have any questions or comments, please do not hesitate to contact me. My cell is [redacted], and email is [redacted].

The following documents were submitted to both Crawford and Chase for their review. And also available per your request:

1. Ticket purchase confirmation from Southwest Airlines

2. Ticket cancellation confirmation from Southwest Airlines

3. Claim form requested by [redacted]. (Claim number 2475740)

4. Sapphire card statement Dec-2013

5. Southwest expired travel fund ($471.20)Desired Settlement: A refund of $471.20 is desired from Chase. My late refund inquiry is not an acceptable excuse from Chase to deny my dispute. Because that is not my responsibility, but I was asked to do so by [redacted], the third party administrator assigned by Chase to process my claim firstly in 2014. And now none of [redacted] and Chase are positively helping with me in this matter.

Business

Response:

Tell us why hereTell 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 20 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: United is charging me $200 for rebooking due to error in their computer system,which I had called to seek help for.

My Mileage plus number is [redacted]. I had made a reservation [redacted] and cancelled it within 24 hours. Per the terms, these miles should have been redeposited. The reservation contunued showing as inactive and the miles were not deposited. I wanted to book teh flight myself, so I called up customer service for assistance as to why the miles were not deposited. Teh agent could not understand what had happedn. MY screen showed the reservation as being cancelled, but it was not cancelled in the united system.

So, the agent called someone else and said that the only way they can do this is if they rebook/help me schedule and that it won't cost extra as I could not do it myslef online. So, I agreed. And now United has charged me $200+ for reboooking. This is a problem with the IT system and the agent not telling me that the supervisor could have helped me.

When I called up United for help, they said I should have asked for the supervisor. How was I to know that the supervisor could do something that the agent could not have? That's not mentioned anywhere in the instructions!! The agent should have told me and should have told me that there would be a $200 fee, which she did not.

So, I would like the fees awaived and $250 damages.Desired Settlement: Cancellation of fees for rebooking, miles being refunded appropriately and $250 settlment for time wasted.

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 9, 2014. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

Consumer

Response:

Review: My wife and I went on a trip to Italy back in late October, 2014. We booked a "low-fare" Italiarail ticket (for travel from Milan to Florence on 10/24/14) through the Italiarail website at night and the system declined the charge for unknown reasons. Chase was made aware of this trip in advance and allowed us to charge thousands in hotels, flights, and other train tickets during and prior to taking this trip. Upon calling Italiarail the following morning, their company representative said that Chase denied the charge, and they attempted to charge my credit card again to secure the low fare ticket. It was denied again. I called Chase to determine why it was being denied, and Chase said everything was fine. I called Italiarail back, and it was denied a third time.

Finally, and for reasons not made clear to me, we were able to buy a more expensive ticket on the Italiarail website the following day for $139 for the same ticket, conveniently overpaying by $109 due to either Italiarail or Chase's mistake. We sent evidence of the low fare, evidence of the three pending low-fare charges being rejected by Chase, and we also have a letter from Chase stating that they initially rejected the charge. Chase refused to refund us the difference of $109, saying we used the ticket, and that they never rejected the charge, which is a flat out lie. They blamed Italiarail and simply stated "we tried to get a refund, sorry." However, I believe this is actually Chase's error. Furthermore, we never even used the $139 ticket. We bought it as backup for an Italian rail union strike lasting from 9am to 5pm our day of arrival in Italy on 10/24/14. Our original ticket PHX9A5 was used, as this ticket was not affected by the strike after all, despite falling in the timeframe of the day's strike.Desired Settlement: I am looking for a statement credit in the amount of USD $109 to refund me the difference in fares that I paid for a ticket that should have been processed by Chase. There was absolutely no reason for denying the charge and Chase was informed weeks in advance that I would be booking these trips. I charge 30K a year on that card, and for them to deny this is infuriating and potentially making me re-think being a customer. I have already filed complaints with Chase itself twice, and now I'm resorting to the Revdex.com, which I would not have done if they settled this themselves.

I don't have a record of filing complaints with Chase, because I generally don't dispute charges, but this is clearly their fault and I should be credited the difference.

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 January 13, 2015. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

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. They refunded my credit card for the amount that I was seeking. Thank you for your assistance with this.

Review: My credit was adversely affected by the fallout of the Chase Credit and Fraud monitoring services. File No. 2013-CFPB-0007 from the Consumer Finance Protection Bureau details the actions of Chase that resulted in a $309 million settlement in 2011 for misleading consumers and charging them monthly fees for credit and fraud monitoring services that were never provided. I was one of the affected customers who had subscribed to the service since I was young and working on building my credit but did not know what that meant other than paying my bills on time, so I naively thought I could enlist some help. Unfortunately, I did not know that the service was not necessary and ironically, using it resulted in the only negative mark on my credit report.

In March 2011, I had zero balanced my Chase Amazon account and planned to make no purchases during the summer because I was avoiding credit card debt. However, to maintain activity I made a purchase in May. I immediately sought to pay this in full and submitted a payment that I thought was equal to the purchase price. When I called a few days later to check my account balance, the telephony system said I had a balance of -$7.99. I assumed that I had accidentally overpaid since my previous balance had been zero and I had only made one purchase. In reality, the purchase was still pending and in April, a refund had been applied to my Chase account due to the CFPB settlement. I made no purchases in June and July but was surprised to receive a notice that I was over 30 days past due on $14.95. I was confused, young and embarrassed, so I paid the amount back and maintained a perfect payment history since.

It has been 4 years since that occurrence and I have reached out by phone and email to Chase asking them to revoke the flag on my credit report since I have maintained a perfect payment history. Additionally, with time and perspective, I realized that this one mark represents the only blemish on my otherwise spotless credit record which includes multiple accounts, car loans, a mortgage and fully paid student loans.

The spirit of CFPB settlement was to protect consumers from confusing and deceitful practices. In this case, the fallout of that process created confusion that otherwise would not have existed on my account and ended up adversely affecting my credit. I was clearly not hiding from a $14.95 bill and had attempted to pay it immediately. I acted in good faith to pay my bill and explain my situation to Chase, but they have a proven record of not acting in good faith. My missed payment is an anomaly, while they have a record of infractions.

If I had never been duped by Chase, I would have a perfect credit history, instead I get to see one derogatory mark on my report for 3 more years. The silver lining is that it serves as a reminder for me to be alert and on guard against the devious practices of JP Morgan Chase and its attempts to hoodwink, defraud and damage their customers.Desired Settlement: I request that my late payment flag from 2011 be removed from my credit report for all credit reporting agencies.

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 28, 2015. Theyshould receive our correspondence within 5 to 7 business days. In orderto protect consumer privacy, they have been advised they may share the responsedirectly with you.

Review: I just reviewed my credit report and was in total shock. I'm trying to gain new employment and when the employer reviewed my credit they denied me because of this inaccurate account with Chase Credit Services. I looked through every piece of paper in my records (and I keep track of everything) and I cannot find anything showing my approval or acceptance of this account. I requested they provide me with documentation that proves 100% that I personally accepted this account 45, 90, and 120 days ago. As a result they sent me nothing that proved anything other than a paper stating that the account was in my name, and that proves nothing other than they have a printer.

At this point this account is actually preventing me from moving up at my current job and as a result preventing me from putting food on the table for my wife and I. 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. They have resulted in repeated denials of credit, lost opportunity to receive credit, economic loss, damage to my reputation, loss of self-esteem, invasion of privacy, interference with my normal and usual activities, and emotional distress.Desired Settlement: I consider this defamation and I want this removed from the 3 credit bureaus.

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: While I was away, Chase used to handle my visa credit card and then it changed to another bank, [redacted]. I sent a payment to Chase instead of [redacted] on June 1st in the amount of $632.89. I have spoken to them and they said I'd have to talk to my bank. I talk to my bank and they tell me I need to talk to the company.Desired Settlement: I would like the business to contact me so we can figure out what is going on and what needs to be done to get this payment to the correct account.

Business

Response:

Tell us why here...This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on June 29, 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 contacted this company reporting fraudulent charges on my credit card. They refuse to investigate the charges and have done nothing to help with this matter.Desired Settlement: Stop reporting fraudulent charges and remove my liability for these charges I did not make on this account.

Business

Response:

Tell us why here...

This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on June 23, 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 Amazon card is charging double interest on my purchases and my payments are not adding up to what payments I have made.Desired Settlement: my bill needs to be corrected and additional interest that has been added removed, and detailed outline of my payments to reflect on the bill

Business

Response:

Tell us why here...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 17, 2015. Theyshould receive our correspondence within 5 to 7 business days. In orderto protect consumer privacy, they have been advised they may share the responsedirectly with you.

Review: I used to have an account with Chase Bank for a credit card that I paid off in September 2013, and shortly after paying off the account, I called and closed the account. Due to my neglect, I never took Chase Bank out of my Bill Pay on my banking site. On 06/23/2014, I accidentally sent $75.00 payment to Chase Bank and when I noticed that it was sent erroneously, I called Chase Bank (on 06/25/2014) to alert them that the payment was sent to a closed account and I would like to submit for the refund. I was told at that time that it could take up to 30 days for the refund (which is totally ridiculous as they can take it out of my account is less than 24 hours). On 07/01/2014, at 12:55 pm, I received a telephone call from [redacted] and was told that my refund was being held up because of involvement of the Federal Reserve. I have heard a lot of stories in my time, but this is just not believable. It has now been 25 days since the erroneous payment, and the refund is not in my account, nor have I received an explanation via mail or telephone since 07/01/2014. If a bank can charge you interest for using their money, why is it that (1) the bank can hold my money, and (2) not pay interest for holding such funds?Desired Settlement: DesiredSettlementID: Other (requires explanation)

I would like an immediate refund, with applicable interest, and an apology from this bank for treating someone who was a loyal customer in the fashion that they have. I don't know how many similar complaints have been filed, but money can electronically be transferred back and forth within hours and should not take 30 days to resolve.

Business

Response:

This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on August 4, 2014. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. I have received my refund from the business and an explanation about their company policy. Even though the mistake was originally mine for sending a payment to a closed account, I did notify the business within 48 hours from the mistake and the refund was received 29 days after notification to the company.

Review: Chase credit company sent me a preapproval letter for a credit card I filled it out and got the credit card. I never missed a payment!!!! I have a second Chase card never missed a payment on that. The other day I got a letter in the mail saying my credit limit was dropped. Due to medical bills from an accident that hasn't been settled yet and it wasn't my fault. NOTHING else changed on my credit report. Chase then dropped my credit line in half on both cards now costing my credit to be hit again by may credit utilization. This company is one of the worse still others are increasing, Chase set me up!!! They got me to take their card and when I wasn't using it to the max they cut it!! It is a shame how big business can dump on a good citizen who works everyday and isn't on welfare. then they screw my credit as bad as the medical billsDesired Settlement: I want Chase to restore what they promised or take all the credit that was given and place paid in full because they cost me money with my credit score utilization now changed. we have had problems with Chase and their web site setting up auto pay. This company needs put out of business. Who sends you a pre approved card no changes on credit report never miss a payment then cut your credit line in half making it look like I almost maxed the card out I feel Chase is a scam and other people need to know. I looked on line to see if others had this problem and there are thousands!!! and for every one there are a hundred more who don't complain and or report it

Business

Response:

Tell us why here...This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on June 18, 2015. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

Review: On August 13, 2015, I received an email from my husband's account stating that his account had overdrafted. As soon as he came home, we drove over to make a deposit to avoid overdrafting fees. However, when we arrived there, we found out that the overdraft had actually occurred on August 10th. I, then, asked to speak to a banker because we were told that we would immediately receive an email notifying us of any overdrafts. I was told that sometimes there are delays on their emails, and that they could not do anything about it since my husband had already been waived a fee.

I called their customer service line today because now they have added another fee of $15 for having a negative balance for over 5 days, and I was put on hold for over 20 minutes just to be told that I still had to pay an overdraft fee and an extended fee. This is absolutely ridiculous! The only reason we have continued to use Chase as a bank is that they have a reliable system that notifies you of purchases and overdrafts immediately. In fact, my husband has been paying a $12 service fee a month to be able to take advantage of this. However, now that there was a problem with their email notifications, we are being asked to pay fees that just are not fair.Desired Settlement: We want to please be waived remaining overdraft fee and the extended overdraft fee (since they originated from a mistake within their system). Once this is done, we will pay for the actual charges.

Business

Response:

Tell us why here...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 10, 2015. Theyshould receive our correspondence within 5 to 7 business days. In orderto protect consumer privacy, they have been advised they may share the responsedirectly with you.

Review: I disputed a charge against Royal Caribbean. My credit card, Visa Chase United Plus is supposed to be an insurer that I am not taken advantage of as a consumer. Unfortunately, they did just the opposite. They completely took the merchants side. I provided substantial evidence of how services were not rendered including documents, photographs and a 37page report of my horrific experience aboard a ship run by RC. The company, Royal Caribbean claims services were rendered, therefore I am mandated to pay the full amount. My argument is that they were not up to par and did not provide quality service as promised, including deceptive practices, lack of merchandise, closure of amenities, to name a few. When I informed them of my dissatisfaction, upon boarding the ship, I was told, there was nothing they could do for me. When I asked to leave the ship in port Cape Canaveral, Florida, I was told my entire family would be arrested. My credit card company has completely disappointed me and failed to protect my consumer rights. They did not even fight for a partial refund on my behalf. Therefore I am filing this complaint. I will also be filing one with the Consumer Financial Protection Bureau. It will not stop there. I WILL never use Chase or Visa as an issuing credit card holder, closing ALL my accounts and suggest anyone who wants the reassurance that they are being protected to do the same!Desired Settlement: At the very LEAST, I believe I am entitled to half the $5, 508. I paid for the worst experience of my life!

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 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.

Consumer

Response: