Date Received: 2023-03-26
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: JPMorgan Chase recently locked my account for security reason on XXXXXXXX. I tried to call and resolve the issue for numerous times without success. They promised to get back to me within 48 hours on XX/XX/XXXX. However its been 96 hours past and I still have not heard back from Chase. I tried to reach out and resolve the issues myself, and the customer protection service representative hanged up my phone call and has never called me back, even if he has promised so. Chase has refused to give me a chance to describe the circumstance, and breached their service level agreement by a large margin. This has posed a huge inconvenience on my daily activities. I have attached the receipt on the last successful transaction of the locked card.
Company Response:
State: NY
Zip: 11217
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: The card was closed by an estate attorney without permission, and misrepresented as toxic asset to send to collections, when it is in good standing, paid ahead of time and with high credit line available. Annual card membership was recently renewed for frequent flyer points. Collections is a serious issue, stays on account 7 years, and can deprive the person of credit for future uses. This action can ruin a person 's credit, and a fraud.
Company Response:
State: NC
Zip: 27607
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a XXXX XXXX Chase Bank credit card and have great credit and payment history. I was denied because I had opened more than 5 accounts over the past 2 years. I currently have only 3 open credit card accounts. All others have been closed with with perfect payment history. There is no fine print anywhere in the application process telling me that I could have opened more than 5 accounts, but even so, I only have 3 open accounts. They say it is to prevent people from abusing the promotional deals but I have not had a Chase account in over 5 years. I believe this is discriminatory and an abuse of the credit card company that is making the offers. It is not possible to make an offer and then say, well only if you have not opened more than 5 accounts in the past 2 years. It is not stated anywhere in the application. And also my credit rating went down a few points because of the application. I would like an appeal and also a change in the business practices of Chase bank making these offers and then denying applicants without proper reason. Thank you
Company Response:
State: NM
Zip: 87505
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On the first week of XXXX of XXXX, my Chase Online banking account was hacked. The hackers were able to steal my log in and password from my XXXX XXXX Passwords. The hackers extracted money from my savings account to an outside external account ( XXXX XXXX XXXX account ) not known to me. The hackers committed fraudulent activities from XX/XX/XXXX until XX/XX/XXXX of XXXX. I didn't notice it until that weekend from text and email alerts and we were able to block and reverse the newer and more recent fraud transactions of XX/XX/2023. Since we were unable to reverse the other two transactions from XX/XX/XXXX for {$450.00} and XX/XX/XXXX for {$1400.00}. I had to file a fraud claim at the time. I immediately changed my login and password that weekend of XX/XX/XXXX and XX/XX/XXXX of XXXX. My fraud claim was denied on XX/XX/2023. They response was that I didn't change my login and password, which is a lie. And they claim that I have always used XXXX payments and that this outside account online transaction was done from my device. Which doesn't make sense since I was hacked and its possible that the hackers stole my IP address also. I do not recognize this XXXX XXXX account. What can I do?
Company Response:
State: NY
Zip: 11225
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: In short, as this is quite taxing and the supporting documentation extensively outlines this ongoing, year+, known issue. I experienced hardship early in XXXX I initiated contact with JP Morgan Chase, and directly addressed the issue with a representative of JP Morgan Chase. An agreement was made with JP Morgan Chase and their representative set a standard of expectation of use of my card while I was being provided the reasonable opportunity of time to resolve the issue. JP Morgan Chase did not adhere to this arrangement, nor did they fulfill the expectation that the representative of JP Morgan Chase set. Chase prematurely froze my account without advance notice and in direct conflict with the prior agreement. At the time l learned about this counter productive action on Chase ' part, I was needing use of my available card balance to place an order for fine art prints to sell in XXXX of XXXX. The profits from that order would have resolved the situation. I once again initiated contact with JP Morgan Chase and directly addressed this, as well as the fact that they were directly impeding and preventing me from being able to resolve the issue in the fully known, mutually beneficial manner that was my sole desire. JPMorgan Chase refused to pull the call recording with the agreement, as their representative was apparently negligent in documenting per numerous, ongoing discussions with Chase, and Chase refused to unfreeze my account so that I could resolve the issue in the timely manner necessary for my overall life, work, and survival. JPMorgan Chase confirmed months later it had been in their power to fulfill that fully reasonable request. Despite this recorded fact ( per Chase automated disclosure on every call ), JPMorgan Chase refused to provide any form of reasonable resolution for the situation. They did this for full, consecutive months, all the while having full knowledge of the distress and harm they were causing to me, my health/disability, my financial situation and ongoing and accruing loss of income while I'm forced to have to continue to address this unresolved issue as Chase has been fully aware, and future during the entirety of the 7 months of direct attempts on my part to achieve the reasonable, mutually beneficial resolution, and indefinitely until this horrific degradation is finally resolved. I was denied accessibility accommodation for 4 months, despite my numerous requests for the duration. In XX/XX/XXXX XXXX, I was finally contacted by the Disability Accessibility Department. I was only finally allowed to have the knowledge of the existence of such a department after months of this being withheld from me, after I had to contact Chase ' fraud department to report the ongoing actions of Chase representatives for consecutive months up until that point. The ongoing errors and my continously being mislead by the representatives of JP Morgan Chase was confirmed by that department. It was also confirmed that my numerous requests, and in varying options, for the fknown, desired and mutually beneficial resolution for both parties, were fully reasonable. Even in the XX/XX/XXXX XXXX conversations with JP Morgan Chase executives, it was confirmed that these reasonable requests were options. Despite these facts and recorded evidence in their possession, the JPMorgan Chase executive manager was combative, uncooperative, and unreasonable in demonstrating any form of willingness to finally resolve the situation. She chose to behave in this manner despite confirming the fact I was lied to repeatedly when I had requested that the XX/XX/XXXX XXXX call recording with the agreement and expectation of continued, unimpeded card use was set while I made payments I could afford during the time I was making efforts to resolve the situation, but Chase chose to freeze my account without notice and prevented me from doing so ; She brought to light the issue that I apparently should have recieved documentation of that original agreement. I was not provided with that, and despite that error on the representative of JP Morgan Chase ' part, the executive office manager still refused to demonstrate any willingness to resolve the heinous situation their company continued to subject me to. After months of my repeated requests that the original payment and continued usage agreement call recording from XXXXXXXX XXXX be pulled, to provide the imperative clarity needed for myself and my medical conditions to neutralize the ongoing exacerbation of my conditions resulting from JP Morgan Chase ' actions throughout, as well as for its representatives ; I was repeatedly told by multiple representatives of JP Morgan Chase that was not possible for an extended, and grotesquely excessive and fully unnecessary period. The executive office manager later confirmed in XXXX of XXXX, that I had been mislead, as she stated that XX/XX/XXXX XXXX call was finally pulled in XXXX of XXXX XX/XX/XXXX XXXX was the first time this fact was brought to light. This imperative information has allegedly not been documented, as confirmed on my numerous interactions from the time it was pulled in XXXX and for the full duration to that point in XXXX of XXXX Yet, I was denied the medically necessary clarity to listen to it with her, as was a reasonable request after such an extensive period of discrimination and continuously being mislead by the representatives of JP Morgan Chase, as this would alleviate the extremely distracting hyperfixation solely resulting from the ongoing, fully known distress and harm that was being inflicted on me for the full duration of the seemingly unrelentingly negligence by JPMorgan Chase to accurately address and document concerns and interactions for months, while failing to resolve the known issue or perform due diligence throughout. The JP Morgan Chase Executive Manager told me it was not medically necessary. She stated this as fact, without providing her medical credentials and without having my medical history, beyond the times I was subjected to severe degradation by feeling I had no choice but to have to share extremely personal and private information with representatives of JP Morgan Chase prior to the executive manager making this false statement, and which she was not qualified to make. Despite this, JP Morgan Chase has still refused to resolve the situation at all in the known, fully reasonable manner that was required. Per physical documentation, they have continued to violate the cease and desist of contact, after harassing me despite previously and clearly being made aware of the harm their actions were causing to my health and the financial loss being caused to me while they refused to resolve the situation I was forced to deal with and address, instead of being permitted to focus on my obligations to better my circumstances and life. With this, they have continued to falsely report the debt they caused by choosing to prevent me from resolving the situation myself. All while denying me covid-19 hardship assistance advertised that would be REASONABLE for my circumstances, as fully known to be imperative per numerous recordings and written documentation in their possession for the duration of this situation. I even inquired about financial grant programs they offer. Their website advertises grants, and boasts about helping a male artist achieve his dream and buy a house. JP Morgan Chase apparently felt that male artist was deserving of help. Yet obviously, based on my extensive first hand mistreatment by JP Morgan Chase ; JP Morgan Chase 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hence the FULLY KNOWN FACT my survival and safety fully depends on my having good credit and being able to do what is within my known, documented medical limitations to make money to be able to move away and to somewhere I will finally be safe from this person. I was put in a position to have to share this with JP Morgan Chase out of desperation to finally recieve bare minimum service, and yet they made the informed decision to set this life necessity back even further. Yet, all I have been doing for years is to try to rebuild my life and the business set back by that atrocity. With documentation of my efforts and progress ; it seems to be jp morgan chase 's official stand point that I have not been even deserving of confirmed, fully reasonable assistance to have the opportunity to do what was within my limited power and capabilities to resolve a situation in a mutually beneficial manner ; For me to make the payments I could afford, make purchases for my work and business, thus the profits would resolve the situation, and the card balance would get paid down, and both parties benefit for the greater good. JP Morgan Chase refused this. That is a fact. This discriminatory and harmful situation, that remains unresolved over a year after JP Morgan Chase made the fully informed decision to directly, fully prevent me from resolving myself, as I was able in XXXX XXXX XXXX and has continued for all the months since despite my documentated, diligent and extensive efforts ; needs to finally have a satisfactory resolution.
Company Response:
State: PA
Zip: 154XX
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 I received a phone call from chase representative stating a transaction of almost {$900.00} was being done in another state. I informed the representative that it was not me doing the transaction. The representative proceeded to closing my existing debit card and issued a new card in the mail same day. on XX/XX/2023 ( one day after my card should have been closed ) multiple ATM transactions on my card were done. A total of {$9300.00} were transferred between my savings account to my checking account and withdraw. I called chase bank and nothing was done about this fraud!
Company Response:
State: IL
Zip: 60714
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Hello! I received a promotion balance transfer check from Chase bank, which provides a XXXX APR period for 12 billing cycles and includes a 5 % fee. I put a balance of {$10000.00} on this check and immediately put an automatic payment schedule on my account for {$1000.00} a month for 10 months. Note, that the minimum payment for this balance for these months was maybe {$40.00} to {$60.00}. The problem begins in that this card is an Amazon Prime Visa Card, so I frequently use it for other purchases on Amazon. Most promotional periods enable all sums after the minimum payment to go to your highest interest balance, which in this case was the regular purchases made. None the less to avoid confusion I specifically called Chase to confirm this fact, the very first rep I spoke to said exactly as much. He said that as long as my balance over the minimum meets my purchases they will not incur interest. Next month, surprise! An interest charge! Was maybe just a few bucks that month so I called them just to clarify the terms, this time I got a different story. After using the promotional balance transfer offer, purchases made outside of that no longer receive a so called " interest-free '' period, meaning they start to accrue a daily interest balance as soon as the purchase posts, unless you pay off the entire balance in full. So their suggestion was, " don't use the card for anything while the promotion is going ''. However, they did inform me that if I made a payment as soon as those purchases post, that would cover the balance, it would not accrue the daily interest. So I did that and ... still an interest charge! I called again to get another explanation and I requested further escalation this time. Now I received yet another variation, that the interest is calculated at the end of the month based on the average *purchase* balance throughout the month, which again would suggest that if I paid enough to cover my purchase balances as soon as I make them, I should not pay interest. Or at least if I'm off by a day it should be a pretty small purchase charge. The APR is variable but has averaged around XXXX APR, calculated at a daily rate. That means that a month should accrue roughly 1.5 % ( 18.74 % / 12 ), on a balance of {$500.00} that's {$7.00}, which is about what I pay. However... I regularly pay off the purchase balance after it posts, if I miss my post date by a few days, that should still only incur maybe .1 % or .15 %, more like XXXX cents to a dollar. So the result is, either Chase has been lying about how they actually calculate the interest rate or their system simply doesn't register mid-month payments as contributing to the purchase balance and they continue to accrue daily interest as though you didn't pay them. As an aside, Chase XXXX APR promotional payment plans work EXACTLY how you would expect them to and have no affect on purchases outside of the plan.
Company Response:
State: GA
Zip: 30004
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had 2 deposits for XXXX in my checking account on XX/XX/2023 that was on hold until XX/XX/XXXX and XXXX in my savings that was deposited XX/XX/2023 and was on hold until the XX/XX/2023 and once they both was available for use and then they restricted my account. Causing me to be homeless NEVER HAD A PROBLEM WITH MY DEPOSITS UNTIL I JOINED CHASE.HAVENT HAD ANY ACCESS TO MY MONEY OR NO MONEY goin on 3 weeks.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My accounts are with Chase. XXXX dollars I asked the teller to pull out in cash and she agreed and used the money machine counter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The teller promised me since I had to go that the money would be returned immediately into my account. But it was not! I went back to ca to local branch at home and they set me up with a fraud person who lied about receiving the messages to start an investigation. The date of when this happened was XXXX XXXX that the XXXX was stollen. This happened in show low Arizona chase branch.
Company Response:
State: CA
Zip: 934XX
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: My chase amazon visa card is charging 29 % interest APR. I am struggling to make payments and pay down my principal because my job was terminated on XX/XX/2023. I tried to ask for financial hardship and the representatives at Chase just denied it. I am trying to make my minimum payment but I don't have unemployment insurance or other sources of income. I am trying very hard to land another job or generate income through self employment but not having immediate success.
Company Response:
State: CA
Zip: 92677
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A