JPMorgan Chase Credit Card

Review: I cancelled a credit card account, but I continue to get promotional checks for me to use for balance transfers from a non existing chase bank po box, 17198.Logo on the letter is "Slate from Chase"Checks have following address or informationChase Bank USA, N.A.Wilmington DE-0311Payable through JPMorgon Chase Bank, N.A.......Envelope has an addressP.O. box 17198Wilmington, DE 19850-7198Near stamp location has following information PRSRT STDU.S. Postage PAIDCard CenterI received the last one on July 7th 2013Desired Settlement: Never to contact me through any means, like USPS, email, phone etc...inform correct chase bank, Wilmington DE about the fraud in their name.Inform USPS about the fraud letter and to block such material from distribution.

Business

Response:

This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on July 29, 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: Chase did not provide a bill for March 2014 and I subsequently got a late charge and interest charge which they will not remove.

I received a notice in the mail dated April 10, 2014 that indicated to me that my account was 5 days past due. I have carefully made sure that I pay my bills on time and I have an excellent record with paying my Chase bills going back to 2008 and prior. My Chase account is setup for paperless billing, something heavily promoted by Chase. The last 2 bills that I got via paperless billing is for Jan 7 2014 and Feb 6, 2014. I have not received any online bills since those dates. I paid the full balances for those bills via my eTrade online banking account.

Once I received the late notice, I immediately called Chase [redacted] @ 5:45 PM on Friday April 18, 2014. I spoke to a wonderful service representative named [redacted]. The following was done.

1. I explained that I never got a bill for March or April 2014. The last bills that I received were for Jan & Feb 2014.

2. I requested that my credit not be damaged since I am not at fault for not getting a bill. This was done according to [redacted].

3. I requested that I not be charged a late charge of $25 and interest of $2.25 since I did not get a bill. This was denied.

4. I requested that she take payment from me over the phone for the full amount due but reserved the right to dispute the charge. She took the full payment of $291.15 which included the late charge and interest charge.

[redacted] said that Chase will not rescind the late charge because they can only forgive one in a year's time. Chase did forgive another event for a late bill. That event was for a bill that I got but misdirected by my e-mail provider, GMail. I made sure that no further e-mails get misdirected by created explicit filters that will not send any Chase correspondence to SPAM. The Jan & Feb 2014 bills show the filter at work. Chase never sent a Mar or Apr 2014 bill or they would get caught by the filters.

I request that Chase return my $25 late charge and $2.25 interest because Chase did not send me a March or April 2014 bill. I did not miss this bill. There was nothing to miss since Chase did not send it.Desired Settlement: I request that Chase return my $25 late charge and $2.25 interest because Chase did not send me a March or April 2014 bill. I did not miss this bill. There was nothing to miss since Chase did not send it.

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 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

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.

Thank you for your help.

Review: I would like to get money back that chase took out of my account because of an insufficient fee transaction.

I have both a checking and savings account with chase bank. For my checking account, I was enrolled in the "chase debit card coverage" which allowed me to pay for items even if there was not enough money in my account. I would have to pay chase back in a few days. On Monday 2/3/2015, two charges of 34.99 showed up on my account. Apparently this fee was charged for insufficient funds. I called chase to ask for these fees to be removed. They told me that they could only remove one because I have a certain amount of times a year, where they can remove insufficient fee charges. I asked how many times, and they said they are not allowed to give out that information. I told them that when I made purchases, it appeared that there was enough money in my account, and maybe a merchant had taken out the money from my account days after I paid a bill. Chase told me that I was already charged an insufficient fee twice in October. I told them that I did not get any notices about that, and nothing showed up in my account either. I would please like to get my 34.99 back in my account. I have also cancelled my enrollment in the chase debit card coverage service.

Thank You, [redacted]Desired Settlement: I would like my $34.99 back into my account as soon as possible 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 February 11, 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 pulled my credit recently and saw a judgement from JPMorgan Chase Legal Department. It shows that it was served to a Rodney Weed my co-occupant. Rodney is my Ex- husband and never lived at the address they showed on the judgement. We were legally divorced as well at that time. I was never properly served and had no knowledge that I was to appear in court and what not. It is being reported on my credit twice as an open judgement.Desired Settlement: DesiredSettlementID: Other (requires explanation)
DesiredSettlementID: Other (requires explanation)I would like to judgement against me dismissed and removed from all 3 credit reporting agencies. It is also being reported twice.

Review: Why am I dennied a credit card with chase?Desired Settlement: Can you please explain to me why I am denied a credit card from the Chase Bank?

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 Oct 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:

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: My APR is absurdly high, at 29.99%, and they refuse to lower it even though they advertise 13.99% for the same account.

I have had a Chase Freedom account since 2006. During that time, I have had an absurdly high APR of 29.99% for no reason. I have excellent credit and payment history and have had no issues with Chase or any other bank. I called to discuss my APR with Chase Freedom, because the advertised APR on Chase Freedom accounts is 13.99% - SIXTEEN PERCENT lower than the rate I, as a loyal customer, have been receiving for the past 8 years. I spoke with a customer service rep, a supervisor and a manager about this matter. The manager advised me to close this account and apply for a new one so I could get a better APR. So she basically said I should damage my credit by closing a long-standing account and then damage it further by applying for new credit. I am well-aware of banking practices and I know for a fact that APR can be negotiated. I am completely dissatisfied with not only the APR situation, but with the service and horrible advise I received from the people I spoke with at Chase. Advising customers to damage their credit rating in order to receive a lower APR is an unbelievably itic way to do business. I would like my APR lowered to 13.99% as advertised.Desired Settlement: I would like my APR lowered to the 13.99% rate advertised for Chase Freedom accounts, which is the same account I already have.

Business

Response:

This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on October 02 , 2014. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

Review: This report is still posting on my credit report. All dates on this are incorrect and it was paid in full between 2002 to 2005 and should not be on any of the 3 credit be bureaus report. Since is was paid off over 8 years ago.CHASE BANK USA NA P.O. BOX 15298 WILMINGTON, DE 19850 Phone#: [redacted] Account NameCHASE Account Number[redacted] ConditionPaid ResponsibilityAuthorized User Current Balance$0 Original Balance$5,918 Limit$5,000 Monthly Payment$0 Last Payment11/11/2007 StatusOK Term0 months Loan TypeCredit Card Opened03/13/2005 Reported11/11/2007 RemarksCanceled by credit grantorDesired Settlement: Have all 3 credit bureaus remove the above account from my credit report since it was paid in full between 2002 & 2005 and has been paid for over 8 years and it still showing up on my 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 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: I submitted a complaint regarding changes to the benefits of my business credit card and after being promised a call back from a manager, the manager [redacted] refused to call me and didnt even tell me that a call was never coming.Desired Settlement: I want the manager call back I was promised, an apology from this manager due to all the time i've wasted and a resolution to my card's benefits changing.

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 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: I got my Chase Sapphire Credit card a few months ago knowing that I'll be spending a lot of money for my wedding. I saw BlueNile.com on Shopping Mall interface of Chase which lets you earn extra points (5x or 6x, don't remember) and decided to buy an engagement ring from there. I clicked on the link and it directed me to bluenile.com. (Note that as it directs you to bluenile.com it does NOT tell you how to finalize the purchase). I added the diamond to the shopping cart. BlueNile.com makes you call them if you want to divide the purchase on multiple cards. I had to do that because it was a big transaction. The person on bluenile.com got my Chase credit card number and charged (around $6000+) it on the phone. Technically I was supposed to earn at least 6000x5=30000 points on my credit card but Chase only gave me 6000. I called them 5 times and messaged them in between. I had them escalate this to marketing department. Once they told me to wait 45 days after the transaction to points to go through (it didn't ) I had them escalate this to their marketing department twice. They closed the ticket without notifying me. During my last conversation with them, they claimed I did not use their interface (even though I did, I just could not finalize the purchase due to limitations on bluenile.com).Desired Settlement: I would like Chase to honor the reward 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 February 3, 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: One sentence version: [redacted] Hotels charged me for a room one which I did not stay, and included a false check out date and time on the folio (easily verifiable by social media posts) Chase dispute center has not been helpful.

Long version:

I am again disputing the [redacted] charge that originally posted on 3/13/2105. This was booked as a two night stay (3/12/2015 and 3/13/2015)

The room was so dusty that I needed to use an inhaler, and I left [redacted] 3/12/2015 around 6PM (same day as check-in) and did not stay a single night. Prior to leaving, I spoke with the front desk, who spoke with the manager. [redacted] offered an air purifier, but I was already having breathing trouble. The [redacted] stated that they would cancel the reservation and not charge me. The pending charges for the 2 day stay never posted.

I made two one-night stays at different hotels for the original [redacted] 3/12, 3/13 dates (I can provide Hotels.com receipts for both)

• 3/12/2015 JW Marriot (where time of booking on receipt is 5:35PM on 3/12/2015 )

• 3/13/2015: Omni?

[redacted] made an unauthorized charge for a 3/12/2015 overnight stay (separate from original charge which never posted). Absolutely did not stay overnight at [redacted].

The "checkout date and time" on the [redacted] folio (3/13 11:44) is false. At 3/13 11:44, I was at the Vimeo theatre for an event at SXSW, a day after leaving the [redacted]. I can provide social media posts showing that I was elsewhere at this time.

I can provide other documentation, but there is limited space in this section. I can provide via dropbox or email.

Thank youDesired Settlement: Removal of charge.

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 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.

Review: Issue: Billing statement

This consumer complaint is regarding the way in which JP Morgan Chase Bank

handled a credit card dispute I opened numerous times. I have disputed this charge in

the past, and at first, the financial institution correctly issued me a credit. Then, for

whatever reason, they reversed the credit. I am requesting the credit again as I have

returned all items purchased in this order within the confines of the seller's clearly

defined return policy. The merchant states that they have not received the returned

items, but I refuse to be on the hook financially for the merchant's error. I will not pay

this charge. It is the burden of the merchant and the financial institution to prove that

my dispute is not valid. This has not been completed and I received no documentation

or information that was required to provided to me. This charge was made on my

CHASE FREEDOM credit card account. I would appreciate Chase crediting my account

in a timely manner. As mentioned earlier, I will not pay this amount under dispute and

will go to court if necessary. Here are the charge details: Per existing claim number

111356754 that was previously opened with JPMorgan Chase Bank on 09/16/2014, I am

requesting credit of $211.92. This charge is with merchant

HOUSEOFBEAUTYWORLD.COM from a transaction dated 06/22/2014. Thank you for

your assistance with this.Desired Settlement: Per existing claim number [redacted] that was previously opened with JPMorgan Chase Bank on 09/16/2014, I am requesting credit of $211.92.

Business

Response:

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

Review: Chase bank is reporting information inaccurately and illegally to my credit file. These 4 entries on my credit file are invalid and outdated. Furthermore, Chase has not provided supporting evidence and verification of this information. Chase should consider this a serious matter and demonstrate respect and ethics in addressing this matter and for causing undue and excessive damage to my credit.Desired Settlement: There should be no further collection activity, credit reporting or sale of this account. In addition, the three credit-reporting agencies should be notified to delete all references to these accounts in question from my consumer credit files.

Consumer

Response:

The accounts involved are "charged off" credit card accounts. These accounts are outdated and the transactions have not been provided to me. These accounts and all references to them should be deleted from 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 September 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: I paid my credit card balance by phone on the due date listed of 3/27/14. On the next statement, I was charged a $25.00 late fee and $13.03 interest with the reason given that payment was made on 3/28. On the front of the statement is a Late Payment Warning stating that "If we do not receive your minimum payment by the date listed above, you may have to pay a late fee..." The date listed above was 3/27; Not only did I pay the minimum but the full balance owed on 3/27 at 8:11 pm MST. There is no time listed to pay by to avoid late fees included in the payment information box, just the Payment Due Date listed on the front of the statement. When I called customer service, I was told the time of 8 pm EST was listed on the back of the statement. Well, the back of the statement is covered in fine print using type that is considerably smaller than the front page. I feel that any information related to late payments should be listed together in plain sight on the front of the statement and included with the late payment warning located in the payment information box. Also, "by the date listed above" of 3/27 or any other calendar date, that date ends at midnight MST in the time zone where I live, and purchases were made. I believe this policy should be changed back to midnight of the time zone where payment is being made. The late fee and interest were deducted off by a supervisor, but in my opinion, the problem remains.Desired Settlement: DesiredSettlementID: Other (requires explanation)

Move the late fee time on to the payment due date in plain site on the front page in with the late payment warning in the payment information box. And/or change the payment due to midnight in the customer's time zone.

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 09, 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: Muliple bogus fees, unwillingness to listen, rude customer service reps.

Multiple late fees due to late payments when I never received a payment notice. Now a interest charge after I paid off a balance in full and they are AGAIN refusing to help or even assist me.Desired Settlement: Take off fees that were not my fault. Late fees due to never receiving a notice and now interest fee that's there after I paid off balance in full.

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 22, 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: Good morning,In July 2013 I opened a Chase Southwest rewards card, advertised with a 50,000 southwest mileage rewards if spending $2,000 within 3 months.I did not receive the card after several attempts of calling Chase. I finally received the card in March 2014. In April I spent over $2000 on the first transaction. I did not receive any points.After calling again to get the points applied correctly last week and today (11/28) I was notified they would not honor the points agreement, even though this offer is still available online [redacted] was advised that I had not complained early enough and that they have no records of my calls prior to 6 months ago because they were archived.

Account_Number: available on requestDesired Settlement: DesiredSettlementID: Other (requires explanation)

Honor the 50,000 points per the agreement. Thank you for your time and help.

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 called Cardmember Services (J.P. Morgan Chase) a number of times requesting that they stop all mailing credit card applications and this annoying company has yet to stop mailing their junk mail to my location. I want all mail from this company to stop showing up in my mail box.Desired Settlement: STOP all mailing to my house!!!!

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

Review: Hello I was very surprised that after purchasing roughly $39,000 in gift for the holidays on my JW Marriott and Ritz Carlton credit cards with chase that all my credit card accounts were closed by chase.When inquiring why this was the case with chase and having my case escalated to the very top or so I was told. I was given some malarkey about being a credit risk as I have too much credit available to me with other card issuers. This is irrespective of the fact that I paid all my credit cards in full every month to include the approx 39,000 in purchased made on the chase cards last week prior to chase closing the credit card accounts.Further prior to my purchases I informed Chase and chase consolidated by credit limits for these purchases.My credit score and history is flawless as well as all my payments well before the time required to pay and payments in full.when further researching why this could be I came across more than 300 complaints of people who have gone through the same thing. The issue or reason for cancellation is supposedly due to too many points being earned by the cardholder, costing chase too much.In my case too many JW Marriott point and Ritz Carlton points.It is incredible for me that in my case my cards were cancelled one day before Christmas vacation were I could not use the cards already given to hotels to hold room for the planned vacation. I was never given the common courtesy of being notified of the account closure by phone or email I was left to find out by myself. Unfortunately too late and lost my room in one of the hotels we were going to stay in as the card processed came up as not valid.Chase further confiscated all the earned points even though I paid in full approx 39,000 for those earned points. They actually cancelled points already earned and paid for. Being in the entertainment industry I am planning upon my return to look into a televised segment as to this practice by chase as well as I have reported this issue to my lawyer for follow up.Desired Settlement: DesiredSettlementID: Other (requires explanation)

Immediate reinstatement of all points earned and paid for!

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 3, 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: eeI had a large credit card bill (over $7000). I used Chase Credit Cards to transfer a balance. I paid a 2% transaction fee and had a 0% financing rate for the period of 12 months. After 11 months, I called chase credit cards to find out the amount of money that was due and the date it was due. I was told I owed $355.17 and the date it was due to avoid any interest or late fees was 11/10/13. I paid the full amount of $355.17 on 11/8/13 (2 days earlier than I was told it was due). The credit card had a $0.00 balance on it after I made that payment. After that,I received a letter in the mail that said my account was past due. I found out that I was charged a $25.00 late fee because apparently it was due on 11/6/13. I spoke to Samantha out of Springfield and Maria out of Springfield and was told I was charged a $25.00 and $15.00 late fee and also 27 cents in interest. I spoke with them for over 55 minutes and explained that an employee of chase had given me the correct payoff amount of $355.17 but an incorrect payoff date. I requested that they review the recorded conversation that I had. While on the phone for 55 minutes I was told that they would waive the $40.00 in late fees, I was then told they would only waive $25.00 in late fees and then I was told they would waive only $15.00 in late fees. They ended up waiving $15.27 in late fees and interest and I had to pay a $25.00 late fee. I paid the late fee and cancel the account immediately. My complaint is that I paid the entire credit card bill in full on the date I was told by an employee of chase credit cards. The date I was told was incorrect. As a result, I was charged a late fee and interest that totaled $40.27. The people at Chase told me they would waive $40.00, then they told me they would waive $25.00 and then they only waived $15.27. I paid a $25.00 late fee for something that I do not feel was my responsibility. I paid the entire amount due on this credit card and paid it on the date I was told by an employee.Desired Settlement: I would like a refund of $25.00 in late fees that I was charged and paid.

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 3, 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 have experienced a serious problem with my Chase Credit Card, pertaining to a 30 day late payment for July 2014.

Last year I was hospitalized due to a post traumatic condition arising from witnessing my son's tragic murder. I was under the impression that I a payment had been setup prior to my hospitalization, but I later found out that this was not the case, hence I fell behind on the account and was only able to make a payment after my discharge from the hospital. I contacted Chase earlier this month to let them know of the situation and asked that they remove the 30 day late payment. Chase asked that I sent over proof that I had sufficient funds in my account to make the credit card payment, I did as they request and faxed over my Bank of West statements. However, much to my dismay Chase declined my request to remove the late payment.Desired Settlement: I am once again requesting that Chase consider my medical and psychological condition at the time and consider removing the late payment from my credit report, this sole late payment on my credit report is keeping me from getting a mortgage which again is causing my a tremendous amount of grief.

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 27, 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 6/3/14 I made a $300 credit card purchase of a service from HBSA with a recurring $99 charge, which was charged on 7/3/2014. On 7/27 I called Chase to cancel future payments and ask for a refund of the $399 already paid due to a lack of service by HBSA. This was granted. Chase sent me a from to fill out explaining circumstances and send back, which I did. HBSA turned the account over to Transworld Systems, Inc, a collections agency. they threatened to ruin my credit so I agreed to make payments of $68.05 starting in November to avoid that while still protesting the charges and lack of delivery of promised services. Subsequently Chase put the $399 in charges back on my card. I am the customer. I did not get the product and service promised from HBSA. My Chase credit card should not be charged the $399. I am also disputing all charges directly with HBSA.Desired Settlement: Return the $399 and do not charge that to my card again.

Business

Response:

Tell us why here...Tell us why here...This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on February 6.2015 .They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been ad,ised 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.