JPMorgan Chase Credit Card

Review: I have 2 credit cards with Chase, as well as a checking account and savings account. The first credit card's grace period (no interest) has expired. To combat this, I acquired the second one. I now make my purchases on the new card, while paying down the balance of the first card, with interest. However, within the past few weeks, at least 2 times they have put my new card on hold. Not only did they put it on hold, but they never even contacted me to tell me that. I had to be embarrassed, twice, by having my card declined. Then, I called them to find out why. Both times they gave me a reason I don't agree with why they put it on hold. The first time they said because of a transfer, which doesn't make sense. The second time because I tried to pay my friend's Time Warner Cable Bill and, obviously, his address doesn't match mine. According to them, this is "fraudulent activity", which is incorrect. As a result of being declined, I had to put both charges on my first card. I will, in addition, have to pay extra interest on additional purchases that I would of otherwise not made with that card and, therefore, not have had to pay interest on. I called them and they told me they removed the hold. They also told me they set me up for some kind of notification service (why does this have to be set up by the way?), as to receive alerts in the future. But, they basically told me they couldn't do anything about the additional fees incurred. So, to recap, they have basically forced my purchases on a card I didn't want, which will require me to pay THEM additional fees, which I shouldn't have, and they won't do anything about the fees. The number is not outrageous, but it's the principal of the matter. I should not have to pay additional fees for a repetitive mistake on their part. They are basically stealing my money and I will not stand for it. I need this matter rectified and they, apparently, will not do anything about it and don't seem to care much about being thieves.Desired Settlement: The business has a responsibility to adjust my bill such that I shouldn't pay more interest than I have to, specifically regarding 2 additional charges I was forced to put on credit card not desired, due to their incorrect holds put on primary card, without notification or authorization.

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 15, 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 have an account that is in my name which is the main account I also have 2 accounts also in my name but in my daughters names too. THey are all under my account and I have direct deposit that goes in both my accounts and my daughters accounts. I have the majority going into my daughters accounts due to issues I had the with the bank so it is split between my account and my daughters account so there is money always direct deposited in the account. I am disputing a $12 fee this has been told to me by several people. I have had problems with this bank due to fees that should not be charged due to I have the accounts that get direct deposit to equal the amount they say. I have tried to talk to several people about this but they will not help me due to past errors on their part that they say was my fault when it wasnt. I should not be charged the $12 fee and within 2 hours after the fee was applied and I had stopped at the store to get medicine for my daughter cause she is sick. (I was totally unaware of the fee that had been applied I get 2 other fees due to the one fee that cause my account to overdraft which would not have otherwise) I have 3 accounts and had planned on taking care of it as soon as I got home about the medicine that was emergency. SO I got a fee that caused the account to overdraft, Then I got a fee on the fee for the overdraft. Then I got a fee because of a purchase that would not have overdrawn over $5 because I would have put it in and there should not be a fee for less then 5 but anyways would have been put in due to it was in the account I would have transferred over. I tried calling the bank and they will not help me due to they blame me for other errors that were done and that counts against me. I will change this bank due to this is an ongoing thing and is wrong to be charged against me having a fee on a fee and no help or indication due to a fee that is charged when account is not a certain amount or I dont have enough other fees to counteract so I dont get the $12 fee, This is so wrong and I have been a customer for over 5 years and they keep charging unnecessary and wrong feesDesired Settlement: I want the $12 fee plus the 2 overdraft fees which should never have been charged and there should not be 1 fee due to another fee causing to go over and causing the next amount due to an emergency which also would not have had the fee if the first fee had not gone on. I would like $82 put back in my account and this will be reported too the banking commission. THere should not be a fee due to another fee causing an account to overdraft and causing another fee which would not have happened. The lady I talked due was rude and not very understanding or helpful at all and just wanted to not listen I am so upset about this due to the medicine had to have been bought due to my daughter has a major illness due to blood clots that causes every sickness to be major. I need the fees refunded. It is so hard without this kind of trouble

Business

Response:

This e-mail is to acknowledge receipt of your correspondence from [redacted] Chase takes consumer feedback very seriously. We have fully reviewed this matter and a detailed response was provided in writing to the customer on December 4, 2013.

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]

Review: On 01/10/2013 I received this month statement and where you see every months installment this month I saw a total of more than $5,000.00.

They put a water bill that I didn't get (first time this ever happen) of $485.54 which later they added $288.00, and it was paid the following day I

received the call. What they added wasn't a part of the total. Then, they added a taxes quarter payment of 1619.19 and then readded this amount

one more time a total of more than $4,056.92... I proceeded to call 1-800 #'s they informed me their system had a gliche, and they were going to remove

the discrepency the following month I saw it wasn't changed. They also told me after I called twice, the city had charge me double.. I went the

next morning, and they told me at the Building Department that they didn't, and if there was such an error Chase has the ability to change that if that

was true. I spoke to [redacted] (Sr.Personal Banker) [redacted] where I submitted copies of all my mortgage payments

paid, water bills, and insurance all paid in full plus city documents.Desired Settlement: If they can't zero out the totals and only send my monthly installment of $2,401.86 refund the $6,000.00 that I keep on seeing.

Business

Response:

This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on August 28, 2013. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

Review: I had been the Chase's customer for 2 and a half years. I paid the credit card on-time every time. I didn't have any suspicious nor unreasonable activities. I use all the chase credit cards as personal expenses.

However, I received a letter a couple of days ago that notified me all my Chase accounts had been closed including one checking, one saving and three credit cards without any explanations/reasons. And my over 40,000 points can not be used nor transferred. Those points were accumulated by daily expenses over the past 2 years. I spent money and the points belong to me. I don't think it is reasonable to take the point away from me.

Please help me resolve this. Thank you!Desired Settlement: 1. Please see there is a way to reconsider whether close my accounts or not.

2. Please refund me my points. Give me several days to use them.

3. Give me an explanation/reason about closing the accounts.

Thank you.

Business

Response:

This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on August 13, 2013. In order to protect consumer privacy, the consumer has been advised they have the option to share the resolution directly with you.

Review: I HAVE AN CHASE CREDIT CARD FOR 21 YEARS HAVE NEVER MISSED AN MONTHLY PAYMENT.CHASE BILL ME AN INTEREST RATE OF 22.99% EVERY MONTH WON'T REDUCE MY INTEREST RATE DUE TO MY GOOD CREDIT STANDING AND CUSTOMER FOR YEARS.SEEN TO ME CHASE WANT TO KEEP YOU IN DEBT FOR LIVE. I DESERVE AN BETTER INTEREST RATE THAN 22.99% WITH MY GOOD CREDIT RATINGDesired Settlement: JUST WANT AN BETTER INTEREST RATE THAN 22.99%

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 31, 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 visited the Southwest.com website and noticed offer on home page of "GET 50,000 POINTS FOR 2 ROUNDTRIP FLIGHTS after you spend $2,000 in the first 3 months of opening your account" to apply for a Southwest VISA through Chase, I continued onto the website to search for airline tickets. When I found the flight I needed and selected it there was an banner to the left of the total due offering a Southwest VISA with 10,000 points and $100 statement credit. There was nothing indicating that if you applied on this page that you would not receive the 50,000 points offered on the home page and I believed that it was an additional perk for applying for the credit card and purchasing airline tickets at the same time. I completed the required purchase amount of $3,000 during the first 3 months and when I did not receive the 50,000 points I contacted Chase Credit Card Services. I was told that at the time I applied there were two promotions being offered and that by applying for instant credit I chose to receive the 10,000 points and $100 statement credit. I explained that if it was made clear in their offer that I would receive this reward rather than the 50,000 points I would not have applied during the purchase of the airline tickets but would have applied from the home page (I had no reason to believe that the offer would be different). I reiterated to Chase that I would not have applied for the card and taken a "hard hit" on my credit report for the 10,000 points and $100 statement credit, I have another credit card which I earn rewards on that would have been significantly more beneficial to use had I known I would not receive the 50,000 points. I asked if I could cancel this card, return the 10,000 points and $100 credit, and reapply to receive the better offer. I was told that I would not receive a refund of the annual fee of $99 which I paid, the 50,000 offer is not in effect at this time, and I could not receive more than one promotional offer within a certain time period. I feel as though I was mislead by this offer and provided Chase with printouts of both offers. I honestly feel as though I am entitled to the 50,000 points as I met the criteria set by Chase in relation to the offer advertised.Desired Settlement: 50,000 points credited to my Southwest Premier Rapid Rewards credit card

Business

Response:

This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on October 23, 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 a credit card with Chase Bank (ending in [redacted]). When I opened the account, I stated to the customer service agent that my intent was to apply for a Visa Signature product because I wanted the added benefits. When the Chase Freedom card arrived, it was not a Visa Signature card. It had a limit of $3500 and was a normal Chase Freedom Visa card. I called in a couple days later and inquired about converting the card to a Chase Visa Signature card. The representative advised me that in order for the card to become a Visa Signature card, I must first have a limit of $5000 or more. I asked if its possible to request a credit line increase to $5000, and if approved, convert the card to a Visa Signature Card. The representative advised that it was possible. I applied for said increase and was initially denied but then approved by an underwriter after explaining my intentions. The underwriter advised that only a customer service agent could convert the account but that they would definitely be able to do so. I went back to another customer representative and requested the conversion. The representative said that he submitted a special request to get this done. I got a letter stating that my request was denied. After speaking with a local Chase branch manager, they advised changes are typically not done to an account within the first year. Out of the 3 phone representatives that knew my situation and my request, neither told me that my request would not be possible, in fact, they all said that it was only a matter of getting the limit beyond the $5000 threshold. Everyone said that it was a certainty once the limit was approved. The branch manager even felt the need to apologize for the "disrespect and intolerable mistakes" made by Chase.Desired Settlement: I would like to get a call to discuss the matter. I want Chase to honor their word and convert the account into a Visa Signature account. Given my experience with this issue, I believe that my request is more than reasonable. If this is not something Chase is willing to do, then I ask them to rescind all recent credit bureau inquiries made by Chase on my file due to their error and as courtesy and an apology for their erroneous information. I do not want any of my accounts with Chase affected as a result.

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 6, 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 had a Marriot Rewards credit card for a few years with Chase, and in January they stopped billing me for no apparent reason. We get all our bills from Chase mailed to our home and my wife pays them off as the bills come in. After not hearing from Chase about this credit card, I receive a notice from a collection agency saying I have an account 9 months overdue. I called customer service, and they let me know there was nothing they can do for me, and that it was my fault they had stopped billing me. I informed them I have several Chase credit cards and I receive statements from all of them except for the one in question. Just like Chase has lots of clients, this was one bill of many so my wife assumed it had been paid off. After talking with their customer representative I received a copy of my past bills and a notice to call a number to pay the old bill along with 300 dollars interest for their error. Overall I have had a very positive experience with Chase, and still use them for my credit cards so I look forward to this misunderstanding being resolved.Desired Settlement: I would like the bills to be mailed to my house like they were previously. Again whatever happened with this one credit card bill and why they stopped billing I assume was an error. I want the interest charges from January dropped, because I was not billed for these cycles. I clearly did not move, and the post office has delivered every single other bill I have had. I would also like any delinquent credit information removed from my credit, since I clearly have been a good customer over the past few years, and do not lack the means to pay my financial obligations.

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 23, 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 requested that additional cards be issued for the business on 4/30/14. Chase card services provided information that the account needed to be split in order to do so on 5/4/14. Clear details were provided to Chase and chase stated in writing that the process would take 7-10 days from 5/9/14. This was not completed. I made several calls, emails and complaints. Chase is unwilling to provide contact names, direct phone numbers and has not returned calls. They do return emails but simply state they have sent it to the appropriate department with no further response.Desired Settlement: The account needs to be split immediately and the cards issued as requested without any further delay.

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: Chase is refusing to correct our credit report which should reflect that we paid the entire debts on both accounts in 2012.

Despite numerous attempts to make the corrections to our accounts... Chase has refused to cooperate.

Finally, Chase "charged off" both accounts and still refuses to remove the debt from our credit reports.Desired Settlement: Chase needs to make the proper changes to our credit report and document that they have made the appropriate changes in a letter to me.

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: I have requested a refund for a cash balance of $1,000 on my Chase Credit Card for the last two months and Chase will not comply. I have asked them to move it to my other Chase accont and they will not comply. I have waited multiple 10 business days cycles for a refund check with no check received. I have called them at [redacted] about 10 times and still no refund.Desired Settlement: I want my refund and Chase to receive a fine for abusive customer practices

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 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: Charged $25 late fee when due date was on a Sunday. Payment was there Monday, August 17,2015. Unacceptable.Desired Settlement: Credit $25 dollars. I am a great customer that pays more than the amt due every month. If you would not like my good business, do not credit this $25 back and I will get business elsewhere. I contacted the 1-800 number and they refused to credit my account. I will gladly pay this card off and never use Chase again. I will also pay the other card that I have with chase off and will not recommend you to any of my colleagues. Thank you.

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 August 26, 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.

Consumer

Response:

Review: Used credit card reward points to purchase item on 11/2/2013. Returned item on 11/27/2013 under the published return policy. Company acknowledges that their computer system shows the return. However, as of 3/2/2014 they have not yet returned my reward points despite numerous followup phone calls to their customer support center. During each phone call, they assure me that they will process the credit within 7-10 business days. Since they appear to have no interest in actually crediting my account, this should be consider theft, since the points have a monetary value.Desired Settlement: Credit the reward points to my account.

Business

Response:

This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on March 6, 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. Business has admitted that the time it took to resolve this was unacceptable.

Review: I paid off my credit card in full on 28Jan2014. Once the payment was applied and I had a zero balance, I closed the account on 3Feb2014 ( I email confirmation of the account being closed). I recieved a bill on 15Feb2014 from the credit card company for $42.81 dated 7Feb2014.Desired Settlement: I want my account to show zero balance and no further charges to be applied to that 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 February 21, 2014. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

Consumer

Response:

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

Review: Chase bank has ignored all request to update negative reports on my credit file and has charged off my account because I complained if errors.

My account was charged off due to my complaints. I was enrolled in a payment program but chase bank ignored that and sent me out a bill with the regular amount due and not the payment program amount. When I disputed my account was charged off in a shorter period of time than that is given to other customers that don't make complaints. This business has an alarming number of complaints online. I think the business ratings are wrong. [redacted]Desired Settlement: Negative reporting removed from my credit file.

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 February 25, 2014. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

Review: Chase advertizes certain benefits associated with travel and hotel bookings, better rates, upgrades and other benefits when booking one of the hotels in their collection (LHRCollection.com). These are all designed to make joining their program seem more attractive. Most of the hotels advertized are not actually part of the program and when you try to book them they are not available and don't offer any discounts that are not already available elsewhere.Desired Settlement: I just want them to be stopped from "bait and switch" advertizing and selling false benefits

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 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: I signed up for Basketball classes for my kids at [redacted] and paid using my Chase MasterCard. Before the class starts called and canceled the service. They said they will refund me. The refunds did not happen. Contacted chase to dispute it. They asked for phone records showing I called for cancellation I sent to them . They refused to remove the charge. They now say I need written cancellation notice. I explained this company does not provide that. It's a small operation ran by non-professionals. They do not have a formal cancellation department. They seem not to keep good record keeping either given they had promised to refund but never did. Chase seem not to care and are unresponsive. I have been charges for an service that I never used. I canceled the service before the classes began and my kids never attended any of them. I have been a Chase card member for more than 25 years. I have never had this type of treatment from them. I use my card frequently just so that in cases like this I could count on their service promise. This is a great let down on part of Chase.Desired Settlement: For Chase to process the charge back based on their policy. They advertise that that card holder would not be responsible for charges when the service purchased is not delivered. I only used the card because it gave me assurance that Chase would honor their policy if problems arose.

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 21 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: The bill has been reported in error on my credit report for several months now I have contacted the business several times as well as my mother on my behalf to have this item removed my credit report and it is still there preventing me from approval on an important item. Please remove this item completely form credit as it is not my bill and although I was once an auth user it was for a short amount of time and I was removed long ago.!

please remove my daughter from this account she is not a user nor is she involved with this debt. [redacted]Desired Settlement: take this bill off of my 3 credit reports permantely

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.

Review: I've been paying-off a closed c/c since '03, I made more than the min. payment & paid-off the card within 24 hours and Chase is refusing cred. $45left

I've been paying-off a closed c/c since '03, a few years ago, I requested my due date to change from the end of the month to be due on the 1st, so I could pay it off the same day I got paid and not wait for the due date. Chase agreed and moved my due date to the beginning of the month. I've never had a late payment or any type of delinquency issues, au contraire, I've made above the minimum due. On the 1st of May I paid $110.00 and on the 3rd of May I stopped by Chase and asked for a pay-off balance and paid-of the rest (($2,562.79). I now called Chase today (5/6/14) and was told I owe $45.08 because of interest that was not paid. Are they kidding me? Technically, my credit card is due at the end of May and not the beginning, I made the special request. I spoke to a customer service rep and to a supervisor and both declined to off-set the fee. This is outrageous, in total I have paid over $15,000.00 for an amount half that!Desired Settlement: Credit the $45.08 requested after I paid-off the c/c- plain and simple.

Business

Response:

This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on May 13, 2014. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

Review: The Account number is [redacted] which was closed after a payoff amount was requested and paid off in May 2015 and the account was closed. We then received a letter from [redacted] a customer service specialist for Chase Visa telling us that our account has a $0 balance. Shortly after we received a bill for %52.00. We called and they said the bill was for interest. The account was closed and paid off so how can they charge us interest on a $0 balance. Now they are adding late charges to the balance and we keep calling them but we do not get any satisfaction and have to talk to someone different each time.Desired Settlement: This account is paid in full and closed so we would like them to stop billing us and adding late charges and destroying our perfect credit score. They are dishonest people preying on senior citizens. 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 August 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.