Date Received: 2023-05-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: JPMCB Card account XXXX is reporting inaccurately across all 3 credit bureaus. I also did not give this company to report this information to my credit report. This reporting I believe has caused me traumatic stress. I recently opened a new chase account. My husband has a business bank account with chase. We have a tax company that has made XXXX XXXX thus far. My first pay out was XXXX figures. Chase opened my account and cleared my check. About a week later they decided to close my account with no explanation besides it was a company decision. I believe this negative account I did not consent for the company to report was the reason my account was closed. I was discriminated against based off of this inaccurate reporting account. XXXX reports a diff open date than the other credit bureaus, XXXX shows $ high limit while XXXX and XXXX reports {$4000.00}. XXXX reports a different last reported day than experian and XXXX. Date last active report diff on all 3 credit bureaus. Date of last payment is reporting diff on XXXX. I had to wait for them to mail me my check which took almost a month after they closed my new account. My check was cleared by my Michigan XXXX XXXX XXXX with no issues. I am demanding this company to remove this account from my credit report immediately as I never gave my consent and per the FCRA I must be told if information in my file of consumer reporting is being used against me.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Hello, I had applied for a Chase Southwest Rapid Credit Card on XX/XX/XXXX. I had signed up for a special offer ( between XX/XX/XXXX & XX/XX/XXXX ) which included - If I spend XXXX within the first 3 months, - XXXX Bonus points- Companion pass through XX/XX/XXXX. I was shocked to see that none of these were added to my account. When I called customer service, I was told that I had signed up for XXXX bonus points- which is incorrect. I had recommended the same offer to 4 of my other friends since we all had to plan a trip for our sons cricket tournaments and luckily I had a screenshot ( attached ). I had spoken to the call center supervisor and he said he will send it to the right department and they will review and see if the promotion I applied for can be put on my card. I will know in 10 business days on whether it will be applied or not. Today I got a response that the marketing team determined the offer was not applicable to me and no explanation was provided. I will not be able to take this matter any further. How can it be changed automatically without the customer 's consent? How can the customer service agents confidently and repeatedly say that I had applied for only XXXX bonus points? I truly feel cheated. Disappointed, - XXXX XXXX
Company Response:
State: IL
Zip: 60502
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Order # XXXX. Purchased a XXXX XXXX XXXX in the amount of {$1200.00} on XX/XX/2023 from BestBuy online using my XXXX XXXX credit card. On XX/XX/2023, instead of the XXXX XXXX, a XXXX XXXX XXXX cellphone was delivered from BestBuy. I got return authorization and returned the cellphone which was shipped back through XXXX on XX/XX/2023. The return was received on XX/XX/XXXX and a refund confirmation/ refund receipt were sent to me on XX/XX/2023. The return credit was pending in my credit card account for about a week but never finalized and I never received the credit to my account. I ended up opening a dispute with XXXX XXXX and receiving a provisional credit. After about two months the credit was reversed, because the merchant responded saying they received the wrong item, completely ignoring that I had received the wrong item and that was the reason for the return. I had submitted all documentation of the return tracking, the return receipt, picture of the item I received, etc. By allowing this charge to stand on my account, the credit card company is causing me financial harm by ignoring all common sense/evidence because the merchant simply " responded '', even though the response is not fitting or relevant.
Company Response:
State: NY
Zip: 14609
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I need a credit card Over the past month, after I logged in to my bank account there was a link with an offer that I was pre-approved for a credit card. I keep getting the error Looks like this in not working now see attached Chase one video. I called Chase support over a month ago they told me it was a known error and that they were working on it check back in a few days well its been over a month still not working. Bigger issue Chase Bank is in violation of the Bait and switch Section 5 ( a ) ( 1 ) of the FTC law. See the attached video New Chase '' I go to XXXX up Chase credit card offers. Your Marketing Department is running a paid ad. Chase Bank is knowing are running an offer for a credit card. I click on the paid adtaken to a landing page that shows a {$900.00} bonus offer. Click on learn more then offers me {$750.00}. Thus, Bait and switch. I called to complain and was told that the {$900.00} offer expired in early XXXX. Here is the problem offered for {$900.00} had NO disclaimers on the landing page. All is says is the {$900.00} offer and then switch you to the {$750.00} I called Chase to explain that to the rep and they refused to honor the offer. I even offered to apply and once I met the qualified spend they just credit me the {$150.00} or point value. They still refused. Link to videos that show proof of fraud XXXX XXXX XXXX XXXXXXXXXXXX XXXX
Company Response:
State: FL
Zip: 32836
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: It's been 4 months since I reported fraudulent activity on my credit card and Chase Fraud Recovery continues to tell me it is a valid transitions because the " card was present ''. To debunk this claim that my Chase Credit Card was " present '' at a XXXX store where someone purchased {$200.00} worth of items on XX/XX/XXXX... Ive sent/included : 1. The original fraud alert text message from chase that I got on my phone - in which I replied NO I did not make the transaction 2. The fraud alert email from chase- which I received right after the text message 3. A police report they made me file detailing the activity of fraud with my local police department 4. A recording they made me get of a phone call between me and the manager of the XXXX from the night of the fraud - in which he clearly says there was fraud and retells the same series of events as I described many times 5. A TRANSCRIPT of the phone call with the XXXX manager who WITNESSED the FRAUD because their system wont accept audio files or open the link I sent with the recording after they made me get one... In addition, they have record of me calling into their customer service moments after I received the fraudulent alerts, in which the agent recognized the fraudulent activity and cancelled my credit card and issued me a new one immediately. I've talked to countless people their and after reviewing all this evidence and making me jump through hoops to get it, they continue to tell me it was a " legitimate transaction '' for {$200.00} at XXXX because the " card was present '' ... If I have to pay for this fraud I will ABSOLUTELY be closing the card and re-assessing my relationship with chase which includes 5 years of loyalty, 5 personal credit cards, and 3 business credit cards, with no defaults and a history of always on-time payments. I am truly appalled with how Chase has handled this...
Company Response:
State: MA
Zip: 02148
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Purchased a XXXX XXXX XXXX in the amount of {$1200.00} on XX/XX/2023 from XXXX online using my Chase Bank credit card. On XX/XX/2023, instead of the XXXX XXXX, a XXXX XXXX XXXX cellphone was delivered from XXXX. I got return authorization and returned the cellphone which was shipped back through XXXX on XX/XX/2023. The return was received on XX/XX/XXXX and a refund confirmation/ refund receipt were sent to me on XX/XX/2023. The return credit was pending in my credit card account for about a week but never finalized and I never received the credit to my account. I ended up opening a dispute with Chase Bank and receiving a provisional credit. After about two months the credit was reversed, because the merchant responded saying they received the wrong item, completely ignoring that I had received the wrong item and that was the reason for the return. I had submitted all documentation of the return tracking, the return receipt, picture of the item I received, etc. By allowing this charge to stand on my account, the credit card company is causing me financial harm by ignoring all common sense/evidence because the merchant simply " responded '', even though the response is not fitting or relevant.
Company Response:
State: NY
Zip: 14609
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: They closed my account due to a fraud check thats somebody deposit on my account and they reopened and create a new account for me and now I have been charged for they claims that the fraud people did its an amount of XXXX and I cant pay thats because I dont have the money I didnt do those claims I didnt deposit those checks and they may get the address of the people that did this and send them a letter charging them that money not me and I have a pay check that is coming to pay rent and I cant pay rent if they are charging me something I didnt do and it was a fraud
Company Response:
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a chase bank credit card account that is more than 7 years old from the first late payment shown on my credit report. wrong late first payment date
Company Response:
State: FL
Zip: 34120
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I made a transfer of XXXX dollars through XXXX to a friend in Texas, the transfer first appeared as pending, then it appears as frozen, I called my bank XXXX XXXX XXXX XXXX ) which told me that the transfer was blocked because It had the word XXXX in the description and that I had to contact the XXXX department for them to release the money for me, on XX/XX/XXXX I started an application with the treasury department and on XX/XX/XXXX they answered me : that they have no information of that transfer to call the bank that blocked the funds Chase ) to verify that the funds were blocked, the person to whom you tried to send the money called your bank and they replied that they are the ones who have the money blocked and that Through my bank XXXX XXXX XXXX XXXX ) I must request the money back, my bank XXXX XXXX XXXX XXXX ) made the claim but the other bank ( Chase ) says that the money is on hold and that they can not return it, my bank XXXX XXXX XXXX XXXXXXXX XXXX tells me that it can't do anything and the other bank ( Chase ) doesn't release the funds, nor does it return it, nor does it report it to the Treasury Department. It's been almost 1 year since I tried to send that money and it still appears as frozen and I don't know what to do.
Company Response:
State: FL
Zip: 33054
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I asked the company if I could pay a payment each month directly to the principle! I want to pay down my balance faster! I was told this is not an option! I don't understand why it us not an option!!!
Company Response:
State: NC
Zip: 28146
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A