Date Received: 2023-03-29
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I found a promotion online for a Chase card for XXXX bonus points with Southwest Airlines, so I applied and was approved. I was to spend {$3000.00} in the first three months in order to receive the bonus. I did that and paid all my statement balances right away. I saw that I did not have the XXXX points applied so I called and spoke to Chase where I was told that I would have the bonus points applied. Several weeks later, the points were still not applied so I called Chase back. Today I found out that the request was submitted for the points, but the bank would not honor it since their promotion ended in XXXX, after I had been approved for the card in XXXX ( the timeline that I was just told by Chase ), with the promotion being offered. So after meeting the requirements, I have been denied the promotion that I applied under and will no longer use this bank under any circumstances, barring life-and-death scenarios where might I need to use their credit.
Company Response:
State: OR
Zip: 973XX
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: In late XX/XX/XXXX, I filed a dispute about late payments and statements on my credit reports. The dispute led to the company updating the information they were reporting in XXXX of XXXX. I have copies of the updated reports with a statement from the company that states they have updated their reporting in response to the dispute. However, the updates made by the company didn't come with any documentation or proof that would lend transparency to an investigation. Further, when making the updates, the company 's reporting conflicts from XXXX report to the other. ( For example, XX/XX/XXXX states " Unknown History '' on report A, states " XXXX days Late '' on report B, and states " XXXX days Late on report C ). Lastly, to add insult to injury, after being confronted with my first CFPB complaint and responding, " there was nothing to see here ... '', the company reported a correction/ update with XXXX trying to make their overall report more cohesive. This is some XXXX days later, and still, absent any documentation to support the reporting. XXXX documents are included : XXXX. Shows statement of update and thus an acknowledgment of dispute in XX/XX/XXXX XXXX. Shows conflict from XXXX report to the other ( exp : XX/XX/XXXX history & XX/XX/XXXX Date of XXXX delinquency ) XXXX. Shows an attempt to update within the last week ( after the fact )
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
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: On XX/XX/XXXX My visa was charged in the amount of {$220.00} from XXXX and {$1900.00} from XXXX vacations. I was assured by a Representative, representing both that the above mentioned charges did not go through and would not be charged. I have attached a letter that I was requested by visa to write being as detailed as possible as to why I was reporting this as a fraudulent charge. This letter was date XX/XX/XXXX on the second page in the letter I stated I called visa on XX/XX/XXXX, that date was incorrect I originally called them I believe on XX/XX/XXXX to report this charge as fraudulent after an exhausted effort to resolve with the original website XXXX. Since this letter was sent to Visa via their website, I have been on the phone with them repeatedly trying to get this resolved. Visa keeps passing me from the fraud department to the merchant dispute department ( passing the buck within the organization ) The last conversation I had was yesterday with XXXX who was a supervisor of merchant dispute ( keep in mind I was transferred I believe three times from one department to next and back again ) he refused to give me his last name and also refused to escalate the call to his superior. He stated he could not do that and could not remove the charge. He said someone would call me back its been over 24hours and I have not gotten a returned call. Please note the {$220.00} has been removed as of this date but the other charge has not. The letter I received yesterday said that its possible it will reappear.
Company Response:
State: IN
Zip: 463XX
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: My chase account was being used to XXXX 2 separate people under the names of XXXX with the number XXXX and XXXX XXXX with the number XXXX various amounts of money which totalled to {$740.00} without my knowledge. XXXX was sent a total of {$500.00} and shanea of {$140.00}. I did not make these payments
Company Response:
State: MI
Zip: 485XX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I am writing to express my frustration and disappointment with the service I have received from Chase Ultimate Rewards. I purchased a round-trip ticket from XXXX, DC to XXXX ( XXXX XXXX XXXX, returning XXXX XXXX ) using a flight credit through Chase Ultimate Rewards. I had originally used my Chase Rewards points to purchase the ticket. Unfortunately, my return flight was canceled. I expected that Chase would immediately notify me about a refund or credit for my canceled flight. Instead, Chase never contacted me. After several days, I called Chase to inquire about the status of my refund. Chase instructed me to contact XXXX XXXX directly. That was despite the fact that all of my dealings in purchasing the ticket had been with Chase. Nevertheless, I did contact XXXX. I spent several hours on the phone with XXXX. On XXXX XXXX, XXXX issued a refund of {$230.00} to Chase since Chase had originally purchased the ticket on my behalf. Despite Chase receiving the refund, they have failed to forward the refund to me. This situation has been ongoing for over two months. I have spent countless frustrating hours on the phone with Chase representatives trying to resolve this matter but have had no success. Chase 's inexplicable decision to keep the funds itself and not provide me with a refund is unacceptable. I expect to receive my refund immediately, along with additional compensation for the time and energy I have spent on this matter, which should have been a straightforward transaction. I am writing to request that the Consumer Financial Protection Bureau investigate this matter and ensure that I receive the refund I am owed, along with appropriate compensation for the time and energy I have spent on this case.
Company Response:
State: VA
Zip: 22041
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: Wired money on XX/XX/2023 internationally and apparently the money was not deposited in the account given to the bank. I tried to make a recall and the bank did, but the money is not being returned to my account. It was a scam and the bank will not do anything else for me.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor JP Morgan Chase has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Chase closed my account w credit card and checking in good standings without clear explanations in 2020
Company Response:
State: NY
Zip: 11101
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/2023 We tried to buy a miniature XXXX from www.okayschnauzerscom. The text to us indicated to send payment of {$970.00} to XXXX XXXX through XXXX from our bank. We sent this to the wrong email XXXXThe proper email was XXXX.The disbursement receipt transaction # XXXX shows this is known as XXXX and was sent. The name is actually XXXX XXXX.So not only did we send the wrong email but the wrong name. We notified the bank and the said the funds are not recoverable even though both the name and the email was incorrect. What puzzles me is this {$970.00} was received by XXXX noted on the disbursement receipt. Most likely the same person with a sub account. Chase bank indicated they could possibly do a courtesy reimbursement but then denied this.The business address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I researched this address and it is located on the inland canal and for sale. Nothing was noted about any kennel.These people wanted us to cancel the payment which is impossible and send a new one.This appears to be a huge scam.
Company Response:
State: TX
Zip: 76087
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act. the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without written instructions 15 U.S.C.1681c ( a ) ( 5 ) section states no consumer report containing any of thr following items of information other than record of convictions of crimes which antedates the cause to believe that the information is inaccurate
Company Response:
State: LA
Zip: 70769
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A