Date Received: 2023-01-23
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: The Chase XXXX card offers the opportunity to earn a free nigh certificate ( valued at ~ {$300.00} ) for customers who spend $ XXXX on the card during a calendar year. There is no tracker to track spending, and the certificate can take up to 4 weeks to be awarded. I thought that I had met the minimum spend for the certificate in early XXXX. When the certificate had not shown up in my account by XX/XX/XXXX, I messaged the company to confirm that I met the minimum spend, because if I was just short I would have made additional purchases to meet the requirement. I was told on XX/XX/XXXX specifically that I had, though the number they quoted for spend didn't seem quite right, so I sent a f/u. They then told me after XXXX that I actually had not met the minimum spend, and that I was {$14.00} short. I followed up and they have been unwilling to stand by the false information that I was given by the first agent ( message attached ).
Company Response:
State: AL
Zip: 35226
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently opened a new credit card and didn't realize that my limit was low. I called the company to request a higher limit. I did not understand that they were going to do a hard check of my credit and now it is showing as negative on my credit report.
Company Response:
State: FL
Zip: 34231
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I recently lease a nail shop down in XXXX XXXX and i have heard good things about chase business account so i decided to open a checking account with them and planning to open a business account with them when i m done moving down to XXXX. So i decided to deposited XXXX dollars in cash when i first open my account. And after a few days, chase decided they wont do business with me and holding my money XXXX. Also i was going to use the fund to order chairs and a lot of things from XXXX. Ot usually take over a month for items from XXXX to deliver to the XXXX. And now because chase has been holding my money XXXX, and doesnt give me a specific time as when they will release my fund. It takes me longer to open my business and thats really hurt me. I need chase to release my fund so i can start paying for items i want to order from XXXX.
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Good morning. I'm a XXXX yr old widow. I'm facing a situation that is making me XXXX XXXX and I'm XXXX imagining that I may be homeless. In XXXX, I was assigned to a case XXXX from XXXX. Since XXXX I have been working closely with Chase and XXXX. There has been XXXX sale dates canceled because we are working on my case. First, Chase Bank had to give XXXX a reinstatement letter for XXXX which is what they fund. Chase provided me with a reinstatement letter for XXXX that was owed in XXXX, Which XXXX are in fees. I was left with no choice then to file a XXXX XXXX Report complaint. Chase response was stating that they will waive or remove the fees under the circumstances that XXXX sends them a letter stating I have applied for XXXX. I had XXXX sale dates which have been canceled since we are working with XXXX. On XX/XX/2022, I was told to send Chase a modification application. It was sent that same day to Chase. I was under the impression that finally I was resolving this issue. On XXXX XXXX, Chase sent me a letter with my options which were Short Sale and issued a SALE date for XXXX XXXX. They mention I did not have time to complete the modification program. I have been back and forth with Chase since XX/XX/2022 there has been more then enough time. I have the help from XXXX and Chase is making any reason not to accept the payment. This is something that needs to be heard. Chase should accept the payment from the XXXX the very main reason its been issued. They need to reinstate my loan with the XXXX as they said in written. They said once XXXX sends them a notice that I have a application with XXXX they would remove or waive fees. They need to reevaluate the actions they are taking as they are not correct. They are not doing as they said now time has past and they dont help. I have XXXX XXXX XXXX and I'm XXXX this is taking a big impact on my health. I live at the house with my XXXX teenage grandchildren both full time students. If I lose my house I will be homeless with my XXXX teenage grandchildren. This is devastating and I feel hopeless. Please help. I will greatly appreciate it.
Company Response:
State: FL
Zip: 33032
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check into an XXXX account on XXXX. I was told check might not clear for several days but when I called today, I was told that the account would be locked shortly because I had deposited a check with two payees into my account, but I explained to this employee XXXX that the entire point of an XXXX account is to do such a transaction. He was clueless. The bank is now requiring me and my client to come to the bank in person to disburse the funds, lift the hold, and prevent my account from being shut. I did nothing incorrect here and Chase is causing undue hardship in violation of the XXXX and XXXX Banking regs. I am so dismayed that they wasted my time and now my clients and have interfered with legitimate commerce in such a manner. Why would such a proper deposit trigger account closure when there is no basis for fraud. The local XXXX branch is just as dismayed at I am at the conduct of the bank 's back office who clearly has no idea how to run a business or XXXX account.
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: I traded in my leased vehicle, a XXXX XXXX XXXX for a new XXXX XXXX on XX/XX/XXXX. I was able to trade it in to a dealership before my lease ended with no penalty. The dealership sent a check for the payoff to JP Morgan Chase, XXXX XXXX, who held my lease. The dealership had the address wrong and I could tell from my Chase account that the car wasnt paid off. It said I had a payment due of {$600.00} on XX/XX/XXXX, so I paid that amount so my credit would not be affected. I went back and forth with the dealer and Chase and found out the dealer sent the check to an incomplete address. In the meantime, Chase sent me a refund of {$600.00}, in the form of a check which I deposited in my bank. Apparently the dealer sent another check and Chase cashed the wrong one, which had a stop payment. They in turn stopped payment on my check that I had already deposited. The dealership sent another check and I verified that they received it, cashed it and cleared it on XX/XX/XXXX. Now, no one at XXXX knows what XXXX talking about when I call for my refund. I have called them about this matter on XX/XX/XXXX, XXXX and XXXX, and each time I have to repeat my issue. On XXXX XXXX they told me they would call me back in 48-72 hours. I received a call on XX/XX/XXXX and in the voicemail they said that anybody that answers could assist me. When I called back, they had no idea why I was calling and someone told me they could submit a refund request if I wanted. I need my {$600.00} as I have not had possession of the XXXX for more than 2 months. Chase has been paid, my dealership has been paid and I have not. I would also like to point out that Chase never told me they were stopping payment on my check until I received a mailed letter a week after.
Company Response:
State: TX
Zip: 77598
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Problem with customer service
Subissue:
Consumer Complaint: I deposited a payroll check through my online banking app, The picture ended up being warped so they restricted my bank account until they could verify my check, They werent able to verify my check so they could release the funds. Ive tried over and over to get my check verified even working with my employer But they said theres nothing they can do so they took my money and said The check could bounce in about 3 months or not. My employer couldnt issue me a new check due to the bank already depositing it into my restricted account.
Company Response:
State: AZ
Zip: 85282
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for a Chase Freedom Unlimited credit card on XX/XX/XXXX and was approved the same day. A bolded feature of the card on the website was 5 % cash back on groceries for the first XXXX months of the card, which is why I picked Chase. When I noticed that I was not receiving the advertised rate on my cash back rewards, I contacted customer service via their message portal on XX/XX/XXXX to ask when it would be applied. They requested information about the offer the next day, so I copied/pasted the offer from their website. Their reply on XX/XX/XXXX was that " We don't have a similar offer available for your account right now, and we can't match the one you requested.. Our credit card offers vary and change, and new ones become available on a regular basis. '' I replied to this message that it was an active offer both currently and when I signed up for the card, and I would like it explained to me how it did not apply. The reply I received on XX/XX/XXXX stated : " Sign-up offers are promotional. As a result, they may change or cancel. Multiple sign-up offers may be marketed for the same product in overlapping timeframes, via different communication channels. '' I did not think this was an acceptable response because the information was from their own website, so I asked how to escalate my request. Their response XX/XX/XXXX was that " your account is not eligible for the new offer you requested '' and " We responded to this request earlier. Because there is no further action required on the account, we will no longer respond to this specific inquiry. '' At no point have they acknowledged that they advertised this specific card with this offer or clarified why I was not eligible despite applying for the card under these terms. Here is a screenshot of the offer, taken less than XXXX hours after my application was approved XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was charged {$70.00} in advance for the year XXXX for use of a Safety deposit box. I closed my box on XX/XX/XXXX. The bank refuses to refund me. Their explanation is that I was sent a letter about the charge. The charge is for a service I am not using. I am attaching a letter documenting that the charge is debited in advance from my account for the year XXXX. The bank is not disputing that my box is closed. Their explanation simply is that that I was sent the letter so they are not going to refund me.
Company Response:
State: CA
Zip: 91042
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have been paying for a service for a music festival that was suppose to start on XX/XX/XXXX and ending XX/XX/XXXX. My payment dates were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - each payment was drafted from my Chase debit card/bank account for XXXX for a total of XXXX. Upon receiving an email from the merchant that the event was cancelled roughly 24 hours before my flight ( XX/XX/XXXX ), I immediately tried to reach out to the merchant and the customer service line was disconnected. Unable reach also via email or social media. I reached out to Chase bank and filed a claim. was given a provisional credit for XXXX which is not even half of my charges. I never received services and the merchant has STIL not reached out to the thousands affected. I just want my complete debited reimbursed since services were never rendered. My trip was ruined. I have all the proof from both the hotel that they never received payment ( there on breech lf the contractual obligation ) and from XXXXXXXX XXXX XXXX XXXX XXXX ( the merchant/ promotor )
Company Response:
State: NY
Zip: 10456
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A