Date Received: 2023-02-07
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: Chase Sapphire customer supports keep following the wrong commands during the phone call. I can not have my credit score being affected when I, as the authorize user have yet to receive the physical card. I provided all of my correct information to the agent, they confirmed the address back, but it has been 3 weeks. We keep calling, they do confirm the right address, but then when we checked XXXX, they mailed it to the wrong address. So what was the reason for me to confirm my address 3 times. I have attached the shipment ( 3rd request ) down below.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I applied for and received a Chase Freedom Unlimited credit card on XXXX 2022. Their website offered a {$200.00} cashback if {$500.00} were spent in the first 3 months after it was received, among other rewards. I had spent {$590.00} in XX/XX/2022. After not receiving the cashback reward, I called customer service, who told me that most of my rewards were not " approved '' for my card. The customer service representative told me specifically that there is no way to get these rewards approved, and that I could have only known about which rewards I was approved for by calling them with a card already activated. The website URL below has all the cash rewards offered, and it hasn't changed at all since I applied back in XXXX. The representative said my only reward was a 1.5 % cashback on all rewards, limited to 20,000 points. https : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: AZ
Zip: 85286
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: JP Morgan Chase sent me a XXXX form reporting Other Income of {$800.00}. When I called to inquire for an itemized summary or year-end summary of how this {$800.00} was derived and what from, I was continuously transferred ( 7 times ) to multiple departments where no one could give me an answer ( XX/XX/XXXX ). I am ASSUMING this might be from points that were transferred to XXXX XXXX for hotel redemptions but no one can confirm or deny this. If a large bank is issuing Federal tax documents and reporting to the government, the bank must be REQUIRED to also provide an itemization of the said value of which they are reporting and claiming to have given. A quick summation of during XXXX you redeemed XXXX points valued at $ XXXX $ XXXX which is what is being reported on the Form 1099-MISC would satisfy all questions XXXX For the consumer to just take Chases word for the income they are reporting with XXXX documentation of what was received in exchange is ludicrous. I want to know specifically what I received ( specific # of points valued at what amount ) that prompted a reporting of {$800.00}. This needs to be fixed for ALL customers who receive this form from Chase.
Company Response:
State: AL
Zip: 36532
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: This is complaint number 5 for the same issue. Chase continues to " lose '' my payments that are coming from a 3rd party payer. I am 3 years XXXX and have had this loan since XXXX of XXXX. From XXXX of XXXX to XXXX of XXXX, I made all of my payments on time. I became XXXX as of XX/XX/XXXX and per XXXX XXXX ( where my payments are coming from ), I can not submit my monthly XXXX statement to them any earlier than the week of the XXXX of every month, because that is where my XXXX date falls on. I have conveyed this to Chase XXXX times. I understand that my payment due date is the XXXX of each month, however, I have no control over XXXX 's policies as well. As of today 's date they have not posted XXXX or XXXX 's payment, and I continue to be assessed late fees. I have escalated this all the way up to the XXXX Office at Chase Auto Finance. I have consulted with my attorney who has advised me to keep filing these complaints and keep track of them. She has also advised me that I am NOT responsible for the late fees, as this is out of my control. To date I have been assessed {$120.00} in late fees. This whole issue is discriminatory to people with XXXX and creates unneeded stress to me which is not good for any of my health conditions. XXXX XXXX is doing their job correctly, Chase is not. I have been told that I am not the only account this happens to, which to me should be a sign that their process needs to be reevaluated and modified.
Company Response:
State: MI
Zip: 48146
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I deposited a check for {$800000.00} into my Chase Bank checking account from a maker I have previously deposited large checks from before. Chase advised they will place the check on an extended hold which I was ok with. The check was released on XX/XX/2023 but they had already restricted my account. When I called them on XX/XX/2023 to remove the restrictions they stated they would not remove restrictions or release my funds until the maker of the check came in the branch with their bank statements stating they wrote the check. Regardless of me having deposited checks from the same maker before and the maker initialing the check by the date, amount, and their signature. They also stated they would close my account on XX/XX/2023 without an explanation why. Later that day on XX/XX/2023 they closed my account anyway and are still holding the funds from my check deposit. I have provided them numbers to the maker and even suggested getting an official letter from the bank the check is drawn from stating the check was authorized and has cleared the other account but they will not accept any of this and only state I need to force the maker to come in branch with their bank statements. I have called Chase regarding this almost every day since XX/XX/2023. Chase closed my account and the check is good and has cleared but they will not release it to me still.
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
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: Below this message is a notice that was sent to Chase bank regarding a dispute made against XXXX XXXX XXXX XXXX XXXX XXXX ) regarding a sofa that was not delivered, and weeks past the scheduled delivery date we still had not heard from the vendor. The dispute was filed on XX/XX/XXXX and on XX/XX/XXXX the vendor finally made contact and scheduled a delivery date of XX/XX/XXXX. Due to the newly scheduled delivery date we contacted Chase bank and asked if we should close the dispute or wait until delivery. We were advised multiple times on different phone calls that we should leave the dispute open to make sure everything goes as planned. Unfortunately, on XX/XX/XXXX Chase Bank ruled in favor of XXXX XXXX even though the dispute with the vendor was ongoing. As part of the conversations with XXXX XXXX we were promised a full refund if we were unsatisfied for any reason. On the delivery date, XX/XX/XXXX, we immediately noticed the item arrived damaged and contacted XXXX XXXX to initiate the refund request. The vendor did not process the request and made no communication until we were accidentally forwarded an internal XXXX XXXX email communication on XX/XX/XXXX from XXXX XXXX, the General Manager, stating that we have not and will not be receiving a refund due to a credit card dispute that was made previously. A follow up email on XX/XX/XXXX sent by another XXXX XXXX employee clarified that they will not be providing a refund, but when Chase Bank ruled in our favor on the card dispute we would get our funds back from the bank. We submitted an appeal on the closed dispute to Chase Bank that included pictures of the damaged item and we included the screenshots of the emails from XXXX XXXX showing they would not give a refund and that they expected Chase Bank to find in our favor. After calling multiple times over the past month and a half to check on the status of the dispute we were ensured that there would be an update within a few weeks and that because we provided the additional communication we should be fine. Multiple times the representatives told us that our documentation was not in the system and we needed to re-upload all documents, but when we would call back a different representative said there were no issues. Every customer service representative had a different story, but not one of them mentioned there would be any issue of timing on our dispute. Finally, we checked the dispute status online and realized ( though no communication from Chase Bank was ever provided ) that the dispute appeal was denied on XX/XX/XXXX as well. When we contacted Chase to follow up they mentioned that the deadline to file a dispute had passed. This is completely unacceptable because we followed every instruction provided by Chase bank throughout the entire process, were never informed of any deadline, and appealed as soon as possible once the item had been delivered. We have tried to call multiple times since and the customer service in the dispute department has been incredibly unhelpful, dismissive, and rude. Chase Bank has tried to find any reason to not rule in favor of us and protect the consumer even though the vendor themselves recognized that the bank should close the dispute in our favor. Chase Bank was untruthful and predatory, and we were intentionally misled by Chase representatives on multiple occasions. We are writing to dispute the decision on claim ID no. XXXX and offer additional documentation that proves that we as consumers have taken every recourse available to us to return this furniture and receive a refund as guaranteed by XXXX XXXX for a lack of " satisfaction on delivery. '' XXXX XXXX has thus far failed to respond to our attempts to communicate regarding this. " We ordered the large " Song '' sofa and ottoman from XXXX XXXX XXXXXXXX on XXXX with a guaranteed delivery date of XX/XX/XXXX. On XX/XX/XXXX after receiving no communication or updates from the company, we reached out to XXXX XXXX for an update on delivery. We received no communication until XX/XX/XXXX when XXXX XXXX sent out a blanket message stating that XXXXXXXX XXXX XXXX was under new ownership and were experiencing 6-8 week long additional delays but could not provide any firm ETA or even confirm the status of the order. Concerned, we immediately reached out to XXXX XXXX on XX/XX/XXXX and failed to receive any response until we instigated a chargeback of the {$6500.00} payment through Chase. On XX/XX/XXXX we were finally able to reach XXXX XXXX who promised to deliver the furniture by XX/XX/XXXX and guaranteed via email on XX/XX/XXXX " satisfaction on delivery ... if you are not happy with the pieces once they are in your home, we would then start a return process. We would schedule the pick up of the items, and then send you a full refund check. '' We confirmed this with XXXX on XX/XX/XXXX who guaranteed that we were permitted to return and receive a refund for any reason. We reached back out to Chase who advised us not to close the chargeback despite the updates. On XX/XX/XXXX, the furniture arrived with the denim slipcover damaged and stained in multiple places, with standard feet not the bun feet we ordered ( an error on part of XXXX which was confirmed to be rectified by XXXX XXXX, and without the second slipcover in linen. We immediately reached out to XXXX to document the damage and instigate a return/refund. We've called and texted the merchant ( XXXX XXXX ) multiple times, most recently on XX/XX/XXXX, but have received no response since. Additionally, we have no update on the status of the second slipcover in linen priced at more than {$2000.00} of the total cost. We have made every attempt to process a return of the furniture and receive a refund as was promised by the merchant, who as of yet has failed to uphold their own return/refund policy and have made no attempt to communicate with us. Attached are photographs documenting the damage and stains to the slipcover, our order from XXXXXXXX XXXX XXXX and written communication from XXXX XXXX detailing their satisfaction on delivery/subsequent return/refund policy. ''
Company Response:
State: TX
Zip: 75069
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
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: I have a new complaint related to a complaint that was previously filed by myself and was considered " closed '' once the company in question responded to my complaint. The problem is that I believe the Bank does not see the large picture. As stated, I have attached a copy of my complaint to you, dated XX/XX/XXXX, and the Bank 's response, dated XX/XX/XXXX. I am also attaching a copy of a separate letter I received from the Bank in question along with an attachment, dated XX/XX/XXXX. I received the Bank 's response directly on XX/XX/XXXX. Since this date was a Saturday, no one could respond to my calls/emails this weekend. Because Chase is either purposely ignoring the more significant part of my complaint. I don't see how that is possible between all of my correspondence with Chase Bank and what I perceived as a fair depiction of the issue in the original attached complaint, which is why I believe I need your help once more to serve as a go-between to help Chase comprehend precisely what I think where the issue lies and what I need Chase to do to remedy this situation. To briefly summarize the situation, I initially found approximately {$200.00} in fraudulent charges on my Chase Visa Credit Card. These charges were made between XX/XX/XXXX and XX/XX/XXXX. I called the Bank on XX/XX/XXXX ; the day said the discovery was made. The Chase representative not only reported the transactions occurring on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, through XX/XX/XXXX. While filing a fraud report on these charges, the representative also offered to go through my history to see if there were any other charges of fraud which is when I learned that were additional fraudulent charges dating back to XXXX XXXX. The representative and I went through every order and reported each as fraud. I had to follow up on this claim orally and in writing daily. I was told each time I would " immediately '' receive provisional credits for all charges, including the interest owed to me. Nothing happened because Chase kept providing me with false reassurances ; finally, after filing this complaint with you on XX/XX/XXXX, I suddenly received a provisional credit of {$210.00} and a few new credit cards days later. I was confused by this amount, but since I hadn't received a complete response from the Bank, and was told by one of the many representatives I spoke with at some point in XX/XX/XXXX that the total of the fraudulent charges was more in the neighborhood of $ XXXX. I have attached to this complaint not just the Bank 's XX/XX/XXXX letter and attachment but also screenshots of my account, which appear to show that the XXXX XXXX XXXX charges were reversed. However, I have yet to see the credits in my account ; I added up all costs that the Bank attached dating from XXXX XXXX XXXX ( which I do not believe includes all of the earlier fraud charges ), which, as I have counted are in the realm of {$150.00}. The amount of the XXXX XXXX XXXX charges is over {$200.00} ; there was additional fraud activity on XX/XX/XXXX, and XX/XX/XXXX. Thus, what was the {$210.00} credit for exactly? Is that from the two days of attached charges, along with a few months of interest? And where are all the other fraud charges reported? I believe the company continues to evade this issue because of my XXXX status and their belief that I am unable to comprehend somehow what is happening and thus, offering me some " token '' payment with no explanation as to what that amount represents and even though I have clearly stated over and over again the facts behind this complaint. I have a physical XXXX, not a mental XXXX. During this temporary period of XXXX, I had to give up my profession as a XXXX XXXX, a position I have held since XXXX. I am currently testing whether I can go off XXXX within the next few months. This outstanding issue prevents me from spending time in XXXX XXXX, working on my XXXX, and speaking to headhunters. My usual billing rate was $ XXXX $ XXXX. If I have to wait until healthy enough to sue Chase Bank, which I will due, they will owe me a lot more money for the time I've spent trying to fix this issue ( I've kept track of my hours ) than the de XXXX amount that the Bank refuses to credit to my account.
Company Response:
State: AZ
Zip: 85254
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Company didn't remove unauthorized/fraudulent hard inquiry from credit report like they stated. It's been months and it's still on my credit report.
Company Response:
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. XXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. XXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A