JPMorgan Chase Credit Card

Review: Chase has damaged my credit and refused to reverse bogus charges.Desired Settlement: Removal of bogus charges, removal of negative credit reporting and payment of compensatory damages.

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 14, 2014. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

Review: Chase Bank in Kenosha Wisconsin failed to completely close a joint owner from my account when he was removed in september of 2012. Even though the bank has been contacted by me numerous times about fraudulent charges made to my account they refused to close his card back in september 2012 and again in april 2013 when I called about fraudulent charges. at that point there was only 1 charge to the card that should have been closed. It is now January 2014 and there have been 3 more charges to the card and I finally was able to have the card closed 3 days ago by the claims department with chase bank. However, the branch manager at the Kenosha Bank in Wisconsin conveniently can not find the card closing date. she proceeded to try convincing me that it doesn't matter if the card had been closed or not because the money would have continued to be removed from my account which is false. IPASS did not have account information, only a debit card number. if the card had been closed like I was told, IPASS would not had been able to withdraw the money. The manager proceeded to look into the charges I was claiming to be fraudulent and stated that I would likely only recover the most recent charge of $40 that went through on january 13th. however the dispute department told me today that they will temporarily refund me the $60, the first fraudulent charge, made back in november of 2012 since the card was supposed to have been closed before that date. so much for policy. they admitted to a banker error however policy indicated they can only work within a 60 day time limit even if they are at fault. when the manager filed a claim with the dispute department she told them I was disputing ipass charges-she failed to listen that I was disputing charges from a specific card number. The dispute department was ready to go after my current card instead of the fraudulent one. why does chase allow a person access to a bank account when their name is not on said account?Desired Settlement: I would like the 120 dollars from the payments to I-Pass for an account I do not have.

I would like the 60 dollars from the payment made to X-box since I don't even own an X-box.

I would also like a written apology from the Bank in Wisconsin for stealing from me and wasting my precious time.

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 in writing on January 29, 2014. In order to protect consumer privacy, the consumer has been advised they have the option to share the resolution directly with you.

Review: I spoke with a representative on July 11, 2015 about waiving a late fee that I was charged in the amount of $21 and was told that the fee would be waived. I also asked the representative how much that would make my minimum payment due and was informed that my payment would be $21 in which I promptly paid. However, after a couple of days I checked my account and noticed that I was charged an additional late fee of $35. I called Chase again and spoke with a senior representative and asked them to pull the call and review it for the representative telling me that my minimum payment would be only $21 and not another higher amount that included the late fee that was waived making the payment $42. The senior representative told me that she would pull the recording of the call and call me back within 7 days, it is now more than 12 days. Needless to say I have not heard back from this person or anyone else for that matter and I have called on 7/23/15 and 7/28/15 and was told that they are so behind in reviewing phone call records and cannot give me an idea when they will be able to review the phone call recording to confirm or dispute what the representative told me leading to an additional $35 late fee.Desired Settlement: I would like Chase to contact me about the call recording and inform me of the findings as well as a transcript of the call. I would also like the e $35 late fees waived and removed from my billing statement because of the fact that I was mis-informed by their representative.

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 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:

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: While on active duty I had a Chase Credit Card and everything was fine. Once I retired from active duty, my monthly income decreased significantly more than expected since securing new employment was difficult. For a short time I had to rely on Credit Cards to survive but was able to continue meeting my payment obligations. At one time my balance exceeded the Credit Card limit, but only because of the added interest charge, not because I went on a spending spree. Since the limit was exceeded they increased my interest rate to 29.99% which is utterly ridiculous and has stayed there for almost a year. As far as I can recall I had never missed any payments or been late intentionally (they're web based payment center is a joke. You can only make one payment a day so splitting a payment between two checking accounts is near impossible and another issue) so I am not sure why I am being raked over the coals. I have called them and even inquired through their website messaging system about getting the interest rate dropped back down to a reasonable amount. Every inquiry has been answered with the same garbage response about their 6 month reviews of my account and that my credit history etc, will be taken into account bla bla bla. Well, I know I have a have debt to income ratio and that is affecting my credit score, but how can I lower it when they continue to add 29.99% interest? My repayment history is excellent but with the amount to pay my overall score is not excellent. I have closed the account and keep making payments on time, so why keep adding to my struggles? They are unbending and it is unethical to keep gouging me. Chase does not care about customers at all and only looks to get as much money as they can. Customer service rating is ZERO!!! I tell everyone to stay away from them.Desired Settlement: All I've ever asked for was for them to lower the interest rate to a reasonable amount. Anything over 12.99% is a slap in the face and a kick while you're down but 29.99% should be outright illegal.

If they do not lower my rate at all, then my accusation is true that they only want to get as much money as they can and have no customer service.

I would like the interest rate lowered to what I had previous to the outrageous increase.

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 24, 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: [redacted]

Prior billing address [redacted]

Re: Chase Bank USA NA

PO BOX 15298 Wilimington DE, 19850

Accounts ending in 9299 and 0356

I received notice in 2013 that Chase was forgiving these debts via 1099-c, both these accounts are still listed on all three of my credit reports as active and Chase still continues to show a balance causing me damage. The accounts should report as closed, charged-off, zero balance and zero past due. Since the IRS considered their write-off "income", Chase is not allowed to collect that amount again. How can they get income twice from same account?

Once Chase Bank issues a 1099C, they have forgiven that amount. That is why I paid taxes on it. They cannot report it as a debt owed any more once they forgive it. Further, it cannot be sold or transferred to anyone else because the debt no longer exists.

I thought it was inequitable to allow a credit card co to discharge debt, file 1099-c, write off the debt, and make the debtor pay income tax and then still report a balance...

If needed a Form from the IRS showing the debt was reported to them as income on 3/13/13 can be supplied.Desired Settlement: Chase Bank- Update your credit reports so the debts are listed with a zero balance.

Regards,

Business

Response:

Tell us why here...This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on July 21, 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: Chase Bank NA has continued to report false negative information on my credit reports. I had written to Chase to validate the debt and they responded with a letter stating that the debt was transferred. On April 2, 2014 I received a call from the Chase Executive Offices and was informed that my concerns would be handled by a Mr. Ed Meade. I contacted [redacted] on April 4, 2014 and he informed me that Chase did not have the documentation that I demanded as proof of validity of this debt. I therefore asked [redacted] to remove the negative information that was being reported to the credit reporting bureaus. He refused to honor my request and informed me that he would not be sending any documents to validate the debt. Furthermore, on April 9, 2014 Chase provided a response to a dispute that I initiated through the Consumer Finance Protection Bureau website and claimed that I validated the debt because I called [redacted] on April 4, 2014 and asked him to remove the negative information since he could not provide written proof as to the validity of the debt.

I again ask that Chase provide me with ALL requested documentation that support the validity of this reported debt, including, but not limited to, the following:

1. A copy of any legal instrument, bearing my signature, which supports the basis for the continued reporting of this alleged debt.

2. An itemized accounting of all debits and credits on the alleged account for the entire history of the account.

3. The assignment or purchase agreement for the alleged debt between Chase and any other entity.

4. An itemized accounting of the alleged debt after it was supposedly written off including all debits and credits.

5. Complete documentation of the amount that was written off for federal tax purposes.Desired Settlement: I would like Chase to immediately remove all information they are reporting to the credit reporting agencies. This complaint with the Revdex.com is my final attempt at settling this matter with Chase. If Chase does not agree, I will seek legal remedies as fully permissible under the Fair Credit Reporting Act, in addition to damages for defamation of character and emotional pain and suffering.

I am hopeful that this matter can be resolved in an amicable and timely matter.

Business

Response:

This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on April 18, 2014. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

Review: On July 28th I called to have a pending bill payment to [redacted] AA of $ 25.00 stopped. (I had already paid the credit card company, in July, approximately, $1098 and didn't not gave a minimum payment due for 8/2). I was taken through a series on phone verification to ensure my identity. The rep (name unknown) ensured me that my request was granted.

On July 30th, I found out that, in fact, request was NOT processed so called back to Chase to complain. The rep (identifying herself as [redacted]) could not explain why the request didn't go through but did admit to it being an error. She also could not fulfill my request and had me on hold waiting for help from a manager. The rep finally told me that the manager instructed her to assure me that a Chase representative would be touch with me with 24-48 hours to resolve the ensure and issue my a $25 credit. She said that the manager of the original rep would be contacted to resolve the issue. She gave me the following Confirmation # 674-141-48-594. To date, I have received not call nor has my request been fulfilled. I am extremely disappointed by the lack of customer service and the lack of follow through. This is not the type of treatment I expect from Chase and quite frankly I will not tolerate it.

I expect that when I have a request and it is promised that it is fully executed. I do not expect to have to make multiple calls to Chase to have a request taken care of.

This is a very dismissive way of dealing with a customer and frankly makes me want to close my account, both credit card and banking, to take my business elsewhere.Desired Settlement: I would like to have this requested expedited to be taken care of by the end of the week of August 4. The $25.00 should be rescinded from [redacted] and deposited back into the my Chase account ending 9300 asap. This should be facilitated by Chase.

because that pace of addressing my needs, this request could potentially carry over to the following month and be moot. I would also like to be compensated for my trouble.

I can be reached at 312-929-7087. I know that Chase has all my contact info so contact me should not be a mystery, although is seems to be a difficult feat right now. [redacted]

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 verbally to the customer on August 18, 2014.

In order to protect consumer privacy, the consumer has been advised they have the option to share the response directly with you. If you have any questions or concerns, I may be reached at [redacted]

Sincerely,

Review: Prior to paying off balance on a credit card charge I had called the credit card company to request a pay off. The credit card was paid in full on 3/9/15 . I then receive a statement for interest charged on 3/20. I called to inquire what this charge was andI was told it was interest from 2/14/15 to 3/13/15. I spoke to a Larry Wise and his supervisor asking why there was no interest disclosed in the payoff at the time . This mattered because the payoff was part of a consolidation loan and every penny was to the T. Why was there no mention of inclusive or upcoming interest charge? Is ths fair.lo?

Since this was undisclosed to me I requested a reduction in interest charge or do away with charge but was refused.Desired Settlement: Waiver interest charge or reduction

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.

Review: On January 23rd, 2015 I applied for a Southwest Airlines Raid Rewards Premier Credit Card. My first step was going to www.southwest.com and I clicked on the promotional link stating "Rapid rewards Premier Card; earn 50,000 bonus points". I was super excited for this offer and this was the only reason I applied for this credit card for the 50,000 points offer, otherwise I would have not applied. I travel back and forth to California, so I thought these points would be very helpful. After that, I clicked on the link to "Apply" for the credit card. I completed the online credit card application and was approved for a credit line of $24,000 premier credit card. In order to receive the $50,000 bonus points, I must spend $2,000 on purchases in the first 3 months of opening the account. And under the terms, it stated "Please allow 6 to 8 weeks for bonus points to post to your Rapid Rewards account". Within the first month I spent over $2000 dollars and I was excited for my 50,000 bonus points. I was patiently waiting since the terms said it can take 6-8 weeks to show on my statement. After some time, I noticed the points were not showing up, so I called cr provided on the back of the credit card (1-800-792-8200) on June 12, 2015. I spoke to the customer service representative and was questioning why I have not seen my 50,000 bonus points. She stated under my account I was signed up for the promotional offer "with the first $500 I spend I receive $10,000 points". I told that was incorrect, so I requested to speak to a supervisor. I spoke to the supervisor and told her I signed up for the promotional offer "with the first $2000 I spend, I receive 50,000 bonus points". She could not resolve the issue, since it was past the 90 day period of me signing up with the credit card, so she sent an escalated request to upper management to resolve the issue. I received a phone call on June 15, 2015 from the manager of Chase Credit Services John Frias. He left me a voicemail stating "since I purchased airline tickets and was also approved for the credit card all in the same day, I was taken down a different pathway where the promotional offer "was the first $500 dollars I spend, I receive $10,000 bonus points" and since we are past the 90 day period, nothing can be done." I called back and tried to reach John, but was transferred to Penny, another supervisor. She stated she could not help me and the case was closed. Bottom line is when I signed up for the credit card, there was nowhere on any of links or conditions or terms and agreements stating if I was going to purchase airline tickets, I would not receive the $50,000 bonus points and that it would take me to a different promotional offer. Southwest/Chase bank provided false advertisement and need to be clear with their promotional offers.Desired Settlement: I am requesting my 50,000 bonus points, which is what I initially signed up. I met all the terms to receive my request.

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 30, 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: PAYMENT PROTECTOR BENEFITS ENDED EARLY, I HAD RECIEVED SEVERAL LETTERS INDICATING THAT THE PAYMENT PROTECTOR PROGRAM WOULD BE EXPIRING ON 5-31-14 FOR GOOD DUE TO LOST REVENUE. AN INDIVIDUAL WOULD HAVE TO RECERTIFY EVERY FEW MONTHS WITH INFORMATION ABOUT THEIR HARDSHIP. IN MARCH I SENT IN MY INFORMATION BUT MY BENEFITS WERE TERMINATED ANYWAY. IM SURE IT WAS SIMPLY AN OVERSIGHT AND LOOK FORWARD TO WORKING WITH THE BENEFITS TO CORRECT ANY MISTAKES THAT WERE MADE. THANK YOU IN ADVANCE.Desired Settlement: BENEFITS CONTINUED UNTIL MAY 2014 AS INDICATED I CHASE'S DOCUMENTS

Business

Response:

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

Review: Chase promised me a balance transfer but did not make it available.

I spoke with two customer service representatives at the end of August/early September who promised me balance transfer options on my online credit card account would be enabled within 3-5 business days.

In particular, one representative identified herself as a manager (she had a southern American accent), confirmed she and her husband have a Chase Freedom card, assured me that the balance transfer option would be available.

I informed her that I wanted to avoid paying high interest charges and I wanted to transfer a balance and want a 0% promotional transfer. She assured me it would be available. I called back the following week, and a representative assured me that the balance transfer was still in process.Desired Settlement: Please make this option available as soon as possible.

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 October 5, 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: I hired a contractor to do the counter top for my kitchen, I paid them using my chase credit card. They did a bad job, so I claim a dispute with the chase credit service. Chase credit card service ask me all kind of information, even ask me for a third party opinion letter. After all the trouble, my claim still failed. The point is I am the client paying the contractor for some service, do I need to prove they are not good, or the contractor need to prove they do it all right? Is the credit card service stand with me or the contractor?A little more information:Just several days before the contractor reject my claim, the husband of the shop called me saying that he wanted to resolve the dispute by negotiation. But after he came to my house and took some pictures, after that he just disappeared. I passed above information to chase credit card service, but they that's not enough to start a new claim.I am really not happy with chase credit card serviceDesired Settlement: DesiredSettlementID: Refund

Refund the full amount I paid the contractor

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 27, 2013. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

Consumer

Response:

Review: I signed up for a chase Sapphire preferred credit card in October 2014 through a promotion that said first year annual fee waived and 40000 points if I spend $3000. I was immediately charged a $95 annual fee in my first billing statement. I called customer service the first time on November 3 and was told to wait for a letter within a week from their marketing team explaining whether or not I would get a refund. I never got the letter so I called again on November 12th and was told that the promotion I signed up for did not include the first year fee waive. I would have never signed up for the card if I knew I had to pay $95 up front, and the promotion did say first year waived. The bank should honor their advertisements and even if the first year isn't waived customers should not be paying the fee before they even begin using the card. There really isn't any incentive to sign up if I had to pay almost i$100 ght off the bat. I would just like a refund of the fee to settle this and will continue to be a chase customer . Thank you.Desired Settlement: Just refund the 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 20, 2014. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

Review: I did not receive my billing statement for my credit card which would have been marked with a due date of 5/25/15. Due to not receiving this statement, I missed the payment and was charged a $25 late fee. When I realized this, I immediately paid the missed statement amount of $617.53 in full. I then contacted Chase requesting that they waive the late fee that was charged to my account. Customer Service Specialist, [redacted], refused to waive the fee. I have a good record with this account and this is not the first time that non-receipt of statements have prevented me from making a payment on time with Chase. I feel that this fee should be waived.Desired Settlement: Waive the $25 late fee and interest caused by it. They should also reset the grace period.

Business

Response:

This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on June 10, 2015. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

Review: On there website www.chase.com/freedom states that "Outsmart the season with 5% cash back at Amazon.com." They are saying that its only on the 1st $1500 spent I get the 5% cash back afterwards it is 1% but clearly doesn't say it on their website.I spent in the last 2 months over $9000 on amazon purchases alone and got less than $250 in cash back rewards.What they have on their website is false advertising and tricking customers to believe that they are getting 5% cash back and not honoring it.Desired Settlement: I would like to get the 5% cash back on the Amazon.com purchases as stated on their website & the other selected stores that were named.

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 17, 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 am contacting the Revdex.com in regards to a complaint that I want to issue against Chase card services, I had opened account through them years ago, and at time of closing the account I had discussed do to the circumstances of the card that would no longer show up on my credit report. This was back in july 2008 the date of my last payment. The customer service representative stated that it would no longer appear. I recently checked my credit report and it is still on all three credit bureaus. All three report different pay dates and delinquencies. Not only does it bother me that it is still not taken off, but then when I contacted the number listed to call a representative explained to me he can not look up my account or notes or anything based on that the account is so old that it sits in archives that they can not receive. The customer representatives name was [redacted] Although he was nice, they were not very helpful as in nothing is received or nothing in the process of getting taken care of. I am not sure why it hasn't happened, or if it is lack of communication within the company, I do not see how that is my problem and I should suffer based on incompetence I have no supporting document, and they have nothing based that it is sitting in archives, which is another thing that should be noted in someones accounts for situation like these.Desired Settlement: I would like this specific account taken off my credit report as discussed back in 2008.

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 23, 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 am rejecting this offer because I have called and went about contacting the Revdex.com With receiving the same response as they will reply in 5-7 days, as of right now I have a ten day window period till placing this complaint become obsolete. I am considering that direct contact and working for a resolution is not that bad, or should take up to 30 days which this has.

Review: I refinanced my home 12/12/2014 so I could payoff my Chase Credit Card and lower my monthly mortgage. A check in the amount of $18,459.06 was mailed directly to Chase on 12/17/2014 by closing attorneys, Morris/Hardwick and Schneider located in Suwanee, Ga. My account number, name, address and copy of credit card statement was enclosed. (I have a copy of info mailed) When I call Chase, they tell me they have not received my payment. They continue to add daily finance charges and have already mailed another statement reflecting new finance charges, even the account is closed! I am retire and 67 years old. How can Chase get away with treating people this way!Desired Settlement: I want the check of $18,459.06 posted as it should have been and the additional bogus finance charges removed.

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 December 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.

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: Not Only that chase is FRAUD itself but the employees are horrible and full of lies and arrogant. Worst Customer Service and Fraud Supporters!!!!

Today I contacted Chase at [redacted] and as always I spoke with people with the worst attitude and people who do not talk english. Full of lies and Full of stupid,unprofessionalism!!!! I have been charged fraudulently $75.00 which I called couple times to in regards to it and yet there is no action by chase. Its so hard to get hold of anyone there. They bounce my call none stop from person to person and no one assists me. Today (12/02/2013) I was harassed and had been lied by the chase representatives numerously. Thats nothing new!!! Chase is very famous of its people not understanding and speaking English. Chase is knows of supporting Fraud and hiring people outside, paying them less, and making sure that they irritate the hell out of Americans. How do they expect me to respect them (chase) when I am telling this it, arrogant, unprofessional telephone banker not to call me ma`am and after couple minutes this same stupid person addresses me ma`am again. What the [redacted] is wrong with you people???? This representatives went above and beyond to irritate me, to harass me, to make me wait for hours and to arrogantly answer me.Desired Settlement: Dispute the fraudulent charge on my account and bring those people who represent chase to justice. Stop supporting FRAUD and refund my money!!!!

People that I spoke with are [redacted] and [redacted] ( direct manager [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 December 9, 2013. In order to protect consumer privacy, the consumer has been advised they have the option to share the resolution directly with you.

Review: There are multiple refunds to my account that have not been processed.

I've been on a balance liquidation program with my Chase card since 8/31/13. I have been paying them the $132.00 we agreed upon each month. In speaking with multiple representatives, I discovered several errors. First, I was originally told that I was due to make payments on the 3rd of each month, it wasn't until making a call to alert Chase of a potential late payment did I discover that the due date is the 8th. Then, in speaking with [redacted] on 11/16/13, he told me that there were several charges that were processed after the account was closed. In reviewing the statements online, with the representative, and with the merchant itself, there were no additional charges processed. In fact, there were a total of 16 charges made between 5/10 and 5/24 totaling more than $720 for merchandise that was returned. The merchant processed all of the returns, however, Chase did not process the returns at their facility because the account was closed.

In addition, I sent in a previous issue when my initial credit limit for the account was $6,500. Without my knowledge or consent, they extended my credit line $1,500. When I learned of this, I immediately closed the account. When I reminded [redacted] of this, we went over these purchases with both him and the merchant, who both confirmed that there were no charges from them since 5/24.

Also, in speaking with him, I learned that despite my account being under the balance liquidation, they had me listed as being past due despite paying the bill each month early. I wasn't aware of this until I received a letter in the mail saying that my account was finally listed as current. I mentioned this to Richard, and he explained two things: one, that the 2% interest that I agreed to was not on an annual rate, but it was instead 2% per month; two, that while I was still past due (again, while on the program) that I was being charged my normal interest rate of approximately 18%. So overall I have been over the limit without my knowledge, charged an improper interest rate, and I have an inflated balance due to lack of processing on Chase's part. I need this resolved, and immediately.Desired Settlement: I want the $720 credited back to my account, and I would like any extra interest that was charged because of both the higher balance and the higher interest rate to also be refunded to my account as well, in addition to being charged the proper interest rate that was understood when I entered into the balance liquidation program.

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: I got an invitation to apply for a hotel reward program Credit Card. I received a letter from Chase Bank USA with this exact wording :"Unfortunately, we were unable to match the Social Security Number (SSN) that was submitted on your application to your name." and I was asked to fill a form "Authorization for the Social Security administration to release SSN verification." It seemed to me odd, specially when I have a Chase CC in good standing order (limit 10.000 +) for many years. I thought , I had a typo when I filled the application. Hence, I called to verify my information and got this response [redacted]"Your information is correct BUT WE ARE IMPLENTING A NEW POLICY FOR YOUR PROTECTION AND TO YOUR BENIFIT. It is a new requirement for all new applicants and all existing card holder will get the letter too!!" 1. A company may request additional information if they are entitle to it. BUT THEY SHOULD NOT ASK FOR MORE INFO BASED ON A LIE. They could simply say: Our policy has been changed and requires additional verification steps. 2.I was told this new policy applies to all new applicants and existing customer. Revdex.com may need to investing if this is for everyone or targeted people(and based on what?) I did not received such a request as an existing card holder. 3. It seems to me it is an optional service not a policy. If true, Revdex.com may investigate why offering this benefit should base on lie.Desired Settlement: Chase has to stop/change this practice and notify those who were affected.

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 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.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I got a call on 11.15 from Mark H. (card services Executive office), our entire conversation was recorded. Revdex.com has my permission to listen to it. Here are my new information:

1. Requesting SSA verification is not a universal policy, only selected customers will get that request. Please read the original letter" We are required to verify the identity of EACH INDIVIDUAL who applies for an account." In reality, it is for targeted applicants based on their internal review process.

2. For security purposes, internal chase review process can not be discussed with public. This is reasonable and acceptable. However, I am a physician who has active license in 5 states, without any negative credit history

who has been with chase for 10+ years. Hence, I don't understand why suddenly I am required to fill out a social security verification form. In the last five months, I was approved to be a provider with many insurance companies, Medicare, CMS, government agency, DEA, and many more all based on SSN.

3.As I was simply questioning this situation, at the end of conversation, I was threaten to sign authorization form, otherwise, they will close my current account. I am really concern what other plan they may have.

4. Revdex.com deadline is 10 days. Chase respond should be reach me within 5-7 bossiness days from 11.21 , with coming thanksgiving holiday and weekend, I may not have their written response within 10 days. I would like to have more time, to review and respond.

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 9, 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.