JPMorgan Chase Credit Card

Review: I signed up for a Chase Ink Plus credit card last month, after seeing a promotion on Chase's website for 60,000 bonus points after $5000 spent AND annual fee of $95 waived for the first year. However, I noticed that after activating my card, I was immediately charged the annual fee, and upon contacting Chase, they insisted their promotion never included the annual fee waiver and asked that I provide "proof" of this. I've never once heard in my life of a credit card company asking customers to provide proof in order to qualify for their signup bonuses! Furthermore, I saw the offer on Chase' website, where am I supposed to find the proof now a month later?? They've switched up their offer and with a lower points bonus, but the annual fee waiver is there. There's literally no way for me to find any proof of the offer from last month, and it's shocking that a reputable company like Chase would make such an outrageous request from their customers. I've been using Chase credit cards for years and never had this problem come up before, but if this is how Chase operates now, I'd rather cancel all my cards and go back to American Express, or any other credit card company for that matter. At least they don't treat their customers like this.Desired Settlement: Refund the $95 or I will cancel ALL my Chase accounts, including my Chase Sapphire Preferred, this stupid Ink Plus, Freedom, and Amazon card.

Business

Response:

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

Consumer

Response:

Review: On 8/22/15 at 9:25 to 9:30 a.m, (this is how fast each Chase reps got me off the phone) I called both of my chase credit card accounts customer services and asked to have my rates lowered. Chase credit card Brandon, supervisor staff specialist stated “Nope, we are not taking requests to lower rates and we are not offering to lower rates, so we can’t help you”. Amazon aka Chase credit card, service rep. stated “let me look into to that and no there is no offer to lower rates at this time.”

I have paid my balances on time and also have paid in full. I’ve never called to ask for a lower rate before. I would think Chase is helping people all around the world, they surely would help their own long time customer who has in two (2) credit cards and a checking account in with Chase.

I would like to pay off my cards and a lower rate would greatly be appreciated to make it possible. Thank you.Desired Settlement: I would like both my credit cards from chase interest rates lowered so that I may pay them off faster. 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 September 1, 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 have been trying to close a credit card account with this bank for 3 months. After the payoff, I called to ensure that I didn't owe any more money and was assured I had a zero balance. Twice now I have been charged interest and late fees on said zero balance. The original payment was made before the due date and should have payed the account off. At the rate we are going, I will be paying them for the rest of my life.Desired Settlement: Close the xxxx account with no more fees or interest.

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 24, 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 was charged a late fee of $25.00 for the month of November 2013 by Chase Credit Card Service to my credit card account. The payment was made on their website October 14th 2013, (confirmation number [redacted]) for the month of November 2013. October's payment was made on September 30th 2013 on their website (confirmation number [redacted]. When making a payment for December 2013 on the chase website, on Wednesday November 20th 2013, there was a late charge for $25.00 added to my account. I called chase as soon as I saw the charge. I was told by the personal over the phone that the billing cycle ends on the 14th of each month. My payments are due on the 11th of each month. So any payments made after my due date of the 11th; such as the 12th, 13th or 14th will reflect on that same billing statement and it will not go towards the following month's bill. I asked to speak with a manager and was told the same thing and hung the phone.Desired Settlement: I would like Chase to credit my account the $25.00 and take off all interest charges do to the late fee.

Business

Response:

This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on 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: ISSUE: I have been scammed, notified the bank and bank refused responsibility.

CHRONOLOGY:

5.27.15 Computers were purchased with my personal Chase Credit Card on behalf of my new employer (SCAM Scheme). Prior to shipping, I made sure that my reimbursement of $6,240.07 was in-place (account was provided by scammer to make this payment, also using CHASE Bank Account# [redacted], Routing# [redacted]). I also called the bank to secure this transaction and it was confirmed. Note: Transaction is from CHASE Bank Account to my CHASE CC.

5.29.15 Computers were shipped to Kiev, Ukraine through USPS Aloha, OR.

Between times, I sensed potential Scam but unable to verified and since my Credit Card Account did not show any questionable activities, I was not too concerned, especially as the payment I made stays in place.

I was given another assignment by my employer to purchase another same set of computer as part of my training and I also purchased the Computers from same place, billed to my same CHASE CC in the amount of $6,200. I also purchased Shipping Materials.

I attempted to reimburse myself using the same Chase Account given to me per the above. I was refused by the system with a screen error of "FAILURES ... ".

I passed this to my employer and they provided me with a different account#: [redacted]9238 & Routing#: [redacted]. I also reimbursed myself using this account with a payment to my CHASE CC of $6715.74 (6.1.15) and $487.51 (6.2.15).

Again, prior to shipping, I made sure; reimbursement / transaction is clear with no issue, verified by another call to CHASE to verbally confirmed over the phone.

6.1.15 2nd Packages were sent using USPS.

6.2.15 @ 12:01am I discovered this was a scam. Discovery were made by calling my employer HQ office in Swiss which confirmed that this is a fraud / scam. The entire day I notified / filed reports: CHASE Bank, USPS (all routes possible), Police, FBI, Cyber Police, etc. My CHASE CC status was still undisturbed when I kept checking in the evening.

6.3.15 @ around 9:30am, I checked my CHASE CC status again and showed a Returned Payment charges of $6,240.07 posted 6.2.15 probably late night. I called CHASE and spoke to Mr. James Artese of CHASE in San Antonio and he offered no solution, placed full responsibility on me.

During all this time, I kept monitoring my account.

ISSUES:

1. The payment transfer was legitimate from 5.27.15 through 6.2.15, 7 days, for sensitive issue that I have alerted the bank since day 1 of legitimacy questions and it was always confirmed everything were confirmed legitimate.

2. The Bank delay / wait of 7 days to reverse payment disabled me from Reverse Shipment of the Packages I sent, by this time it is already too late, packages have arrived in Kiev, Ukraine per my tracking. Electronic transfer validity should not take more than a day or two, especially in same bank transfer, and this takes 7 days. I kept in contact with the Bank for legitimacy all the time, especially when same 2nd request were made by my employer, bank's agents always confirmed it was legitimate. At one time, I even place a block in my account, just in case.

3. CHASE denied responsibility is unfair due to the Chronology of the events.

4. This complaint also for the payments of:

$355. 93 posted on 5/26/15

$6,715.74 posted on 6/1/15

$487.51 posted on 6/2/15

as the reverse charges will certainly occurs in the near future, and shipment of the merchandise has proceeded and according to USPS is almost impossible to Reverse International Shipment. Though, I have made major efforts to do this. Should any can be recovered, I will attempt to return them to the store and credit will be reported to the bank to recharged back my account appropriately (store will do this automatically when merchandise is returned).Desired Settlement: Full CHASE responsibilities and corrections of my account. Restate transfer or credit my account appropriately.

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 12, 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: I set up automatic payment to pay the full amount of statement balance, but their system only took minimum payment and they charged interest on unpaid balance.Desired Settlement: Waive interest.

Business

Response:

This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on March 17, 2014. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

Review: My chase credit card reduced my limit from 10,000 to 2700 dollars at a time I needed my credit the most. I am in the process of starting a business and was using my credit for equipment and other purchases until I found out I had no available credit to use. They explained it was due to my increasing debt on my other accounts. Keep in mind I always made my payments on time. Long story short, I am disappointed that they blindsided me and put my business venture in jeopardy. Chase claims to help small business but it seems only if you have money to begin with.Desired Settlement: I want them to restore my credit limit.

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 4, 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: We received in the mail an application for the Chase/Disney Credit Card, and two additional benefit papers stating if we get approved for the credit card that we would get a $200 Disney gift card and a $50 statement credit if we spend $500 within three months. Which we did with no problem and have since paid in full that balance, we did receive the $200 Disney gift card but however they are fighting us on the $50 statement credit. We have in good faith tried to contact this company, and have only got talked to in a rude and unnecessary manner. If we knew this was the way we would get treated, we would of NEVER of applied for their credit card. They should be ashamed of themselves, we have been great loyal customers and deserve to be treated better than this. Thank you, have a great day and God bless!Desired Settlement: They should have to honor their advertisement and put the statement credit on this account. A letter and call of apology should also have to done for the way this situation was handled and the way we were spoken to.

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 15, 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: I inquired about a Chase Sapphire Preferred credit card & after being deemed as a qualified card carrier, I was issued an inactive credit card in the mail. In my mind, with no explanation in the terms & agreements, an account is opened when I am receiving monthly statements & being told that my account is opened. I was never notified I had an "opened" (according to Chase) account.I was not ready to have my account opened & wanted to sit on the decision. I left the card in the original envelope. I activated my card months later, when I felt ready to carry a line of credit. I didn't even know if I would still be able to activate the card. I was happy to find that I could. It was then that I began to purse the bonus points, which you receive after $4,000 is spent within the first 3 months of an active account. I sent an email to Chase asking about the 40,000 points. I was informed that my account became active when I inquired about the card, & I would not receive these points.How is that even possible to have an active account when you're not even in possession of the card or able to use it immediately after inquiring? The terms of agreement says I have 3 months from an opened account. If my account is just sitting there and no one has access to use it until the card is activated, then it is NOT opened or active. When I asked Chase to please point out to me in their terms of agreement where it defines "active" or "open" account they could not. I asked 4 times. If they're going to define "purchases," they should be able to define "account opening." It's very ambiguous advertising. Maybe it's common knowledge for a seasoned credit card holder who knows the "lingo" & has been walked on a couple of times by Chase. To me, it was misleading & I was not a willing participant in the timeline they describe.

Product_Or_Service: Chase Sapphire credit card

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

I would just like the 40,000 bonus points that I was told I would receive when I spent $4,000 in the first 3 months of an active account, please.

Business

Response:

Tell us why here...This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on May 28, 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: Im being charged late fees for a balance that has been paid and this has been going on since Nov 2013. I need someone to review my account and send me a full explanation of charges. I have even been to my local branch and they told me that I should not be charged these fees to contact the corporate office. I have not received any feed back from them about this matter. Just lettrs that I oew them $$$Desired Settlement: Credit

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 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: My account is being closed without my notice or approval. No good reason is given but my account is a risk. THis disrupts my taxes form being depositd

I was trying to use my bank card when it was denied. I had suffient funds in my account and called to find out why. It comes to my attention that my account is being closed. I asked why and they tell me that my account and tell me it is for my protection. I am expecting my taxes to be direct deposited in a few weeks but now if the account closes it will delay my taxes for up to 6-10 weeks. I am in dire need of my taxes now, had I know my account would been closed I would of used another bank to direct deposit. I tried to get a good explaination of why it was closed and they mention that I have too many fraud charges and credits. Back in 2014 when Chase reported on the news that thier system has been comprimised I started to notice more chargers that I did not approve in my account. I called and disputed the charges and they were found to be fraud. This keeps happening and now they are closing my account because of thier lack of security. yes my card has been lost and someone used it but I check my account constantly and let them know of those unapproved charges. What I am also concerned is that my son's Social Security Account set up for his direct deposit is alos being closed and it has never had a fraud or dispute since it was opened in december. THis is going to disrupt my son's monies as well and this is horrible service. Not to mention the service fee that was charged from my account before the account was scheudle to be closed which is pretty much robbery as I can't receive a refund because of their mistake. I have received 3 refunds due to the bank's employee fault, as once when opening my son's the bank manger who helped me open the account told me that there were no fees for transfering monies to accounts and yet there was a limit of 5 per billing cycle, once I figured that out I stopped doing it, they refunded my 5.00 fee. Another time was when due to thier own smart phone app not working properly and letting me know my account was close to 0.00 and I would be able to make a deposit but it failed to do so and I was credited back for that overdraft fee.Desired Settlement: I would like a refund of ALL fees I paid since opening this account, an apology and Immediate action to keep this account open until my taxes come then I will close this account myself and no longer use this bank. If bank can no longer keep account I ask for my entire 9170.00 of my tax return to be given to me in advance and they can keep the direct deposit when it does come. My state taxes of 235.00 as well. This is a horrible way to treat a loyal customer that been banking with chase when it w

Business

Response:

This e-mail is to acknowledge receipt of your correspondence from [redacted]– Case No. [redacted] Chase takes consumer feedback very seriously. We have fully reviewed this matter and a detailed response was provided in writing April 16, 2015. We consider this matter closed. 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, [redacted]

Consumer

Response:

Review: Chase increased my APR to 29.99 because I went over the Limit about 2 years ago. I have made all my payments to them on time and have never had a late payment to them. They have been and still are currently on automatic payments from my credit union. I have called them about 8 times trying to lower my interest but they keep giving me thier canned answer about periodic reviews and I am not eligible. What are they reviewing? I am going through a divorce and my soon to be ex has her credit cards but those are about to be her obligation after the decree. My obligation to pay Chase has always been met on time, referring to credit scores...what I am told by thier repesentitives is just a way of not working with thier customers and keep nickle and diming thier customers.Desired Settlement: Interest rate lowered back to the original when I opened the card. Maybe even lower since Chase is knickle and diming thier customers.

Business

Response:

This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on July 25, 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: When we had spoken with our Chase bank representative, [redacted]l, we were informed that we had lost all of our points on our Chase Ink credit cards. We would like to further pursue reclaiming the points on our credit cards that we feel were wrongly taken from us. First and foremost, when Chase closed our bank accounts, we made sure [redacted] called Chase Card Services and double check whether our Chase Ink accounts would be closed as well. We were assured that they would not be. We had had no intention of closing our Chase Ink credit cards as we had a perfect payment history and they were our sole credit cards for day to day business transactions. Secondly, there was no prior notification that our credit cards were going to be cancelled. Our account was closed without any contact in the middle of our billing cycle which greatly disrupted our daily functions as a business. We found out via declines with vendors and other purchases. We paid an annual fee just to have the ability to collect these points and with no prior notification of our account closing, we were not even given the opportunity to collect our points which were reaching a significant 300,000. As a service oriented company, we are baffled as to how we could be treated as such after the significant use we put on our cards in the months that we had them. When we reached out to discuss this matter with Chase Ink the representative told us they could not discuss a closed account.Desired Settlement: We would like our points.

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 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.

Consumer

Response:

Review: I used to have an account with Chase Paymentech for my business that I owned. It has been a few months since I have sold the store. After selling it, I called Chase to close my account and they told me that they would. After a few weeks, I got a letter in the mail saying that I was being charged $40 every month my account was not being used. This matter made me confused since I knew that my account was already closed. I called Chase numerous times, went straight to the bank to speak with the managers there, and did not get a clear reason to why my money was taken from me. As of now they have charged me $80 and also sent me a letter yesterday demanding that I pay $40 more dollars to keep my account open. I was put into collection and now they say that I owe them money. There were even threats on the letter to close all of my credit card accounts with Chase! I have been a loyal customer to Chase for many years and it angers me that they are taking money from me and not even explaining why. I have called numerous times, talked to so many people, but no one has given me an answer back yet. Why would such a good company be so awful and not even try to help their customers with an issue like this. The managers working at the Chase branches are no help either. No company should ever have such bad customer service.Desired Settlement: I am just asking that all of my money be returned and that I no longer am charged for an account that isn't supposed to be open. I want to speak directly to whoever can fix this problem immediately so that I can understand exactly why this is all happening to me. I just really want this to be over since I have been worrying about this for a while now.

Business

Response:

This e-mail is to acknowledge receipt of your correspondence from [redacted] – Case No. [redacted] Chase takes consumer feedback very seriously. We have fully reviewed this matter and a detailed response has been mailed directly to the consumer on October 20, 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]

Executive Office

Review: Chase is reporting to credit bureaus my derogatory credit card account [redacted] which is older than 7 years as permitted by FCRA. The last payment on the account was made in April 2006 but they are still reporting the account to [redacted].Desired Settlement: Remove this account from my credit bureaus reports.

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 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:

Review: I contacted my credit card company last month and asked for a full pay off of my account so I could pay it off in full. I paid off my full balance giving to me that day on 9-25-2014. My due date was 9-26-2014. I was left with the impression that there would be no further bill seeing how I had paid off my credit card in full. However I received yet another bill for 46.12 for interest that should of been giving to me as I had asked for a full pay off. My previous balance was over 6,000.00 why would I let just the interest go unpaid when paying off my bill.

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

For Disney Visa card from chase to waive the interest of the 46.12 seeing how I paid my bill off before the start of a new bill cycle.

Business

Response:

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

Review: Only allows automatic monthly payments of minimum due or the full credit card amount. That explicitly discourages accelerated pay off beyond minimum.

Chase is explicitly blocking customers ability to accelerate payments to reduce the total due and reduce interest. The auto pay system is set up to only allow a minimum payment due or a full payoff of the entire credit card. We are trying to set up a responsible accelerated automatic monthly payment to pay off our credit card amount due and have worked extensively with Chase representatives to no avail. Our only automatic monthly payment option is the minimum amount.Desired Settlement: Chase need to support responsible consumer debt reduction. Their auto payment set up explicitly blocks responsible debt repayment. Chase needs to offer an additional automatic payment option where the monthly amount can be pre set to a determined amount, as other credit card companies allow.

Business

Response:

Tell us why here...This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on May 11, 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: Credit card services allowed a purchase over the credit limit. Did not reject purchase or try and contact regarding this sale. Allowed the purchase then sent a derogatory credit strike regarding the over the limit. No effort to resolve. No missed payments with the company. All payments on time for over 15 years with company. Completely unethical and disingenuous.Desired Settlement: Retraction of credit strike, since no payments have been late and next payment will bring it back under limit.

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 26, 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: In November 2004, I had a 60-Day Late Payment on my Chase Credit card (account # ending in [redacted]4380). Despite the fact that this occurred over 10 years ago, Chase has refused to notify the three major credit bureaus. As a result, this decade-old late payment continues to negatively affect my credit score.Desired Settlement: Chase Credit Cards will immediately contact all three major credit bureaus and notify them that this 10-year old late payment should be removed from my credit reports.

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: Had 2 credit cards with chase bank and for no reason they closed both accounts and would not explain to me why except for unsatisfactory relationship with bank. I would like to know what that unsatisfactory issue is and how that is effecting my credit scores.Desired Settlement: Would like to no an actual reason instead of just "Previous unsatisfactory relationship with this bank". also would like them to remove the hard inquiry on my credit files.

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 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