Date Received: 2023-01-14
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Issue : On the official application page for the Chase Freedom XXXX Credit card it showed this verbiage below on XX/XX/XXXX. " {$200.00} bonus plus 5 % grocery store offer - up to {$800.00} total cash back Earn a {$200.00} bonus after you spend {$500.00} on purchases in the first 3 months from account opening. * XXXX, earn 5 % cash back on grocery store purchases ( excluding XXXX and XXXX ) * on up to {$12000.00} spent in the first year ( that's {$600.00} cash back! ). * This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months. '' I applied for the Chase Freedom XXXX credit card by logging in to my Chase account and using the official Chase portal on XX/XX/XXXX. I specifically applied for this card knowing I am eligible for both introductory offer, as I have never had " ... this card before and have not received a new cardmember bonus for this card in the past 24 months '' as stated by the official Chase Freedom XXXX credit card application website. Screenshot available in page XXXX of the attachment " Screenshots of websites and same Chase Freedom XXXX offer multiple dates..pdf '' When I was approved for this card, I was taken to a confirmation page where I received confirmation that I have been approved to get both the 5 % cash back on grocery store purchases on up to {$12000.00} spent in the first year IN ADDITION to the {$200.00} bonus after I spend {$500.00} on purchases in the first 3 months from opening my new Chase Freedom XXXX XXXXXXXX account with Chase. However, when I received my new Chase Freedom XXXX credit card in the mail, it only showed the {$200.00} introductory sign-up bonus in the account but it was missing the 5 % cash back on grocery store purchases on up to {$12000.00} spent in the first-year offer. When I activated my new Chase Freedom XXXX credit card, my account showed the {$200.00} introductory sign-up bonus but again the 5 % cash back on grocery store offer was still missing, even though I was approved for both offers per the confirmation page right after my Chase Freedom XXXX XXXX application online on XX/XX/XXXX. I have received {$200.00} sign-up bonus in my Chase Freedom XXXX account but I still do not have the 5 % cash back on grocery store purchases in the first year offer which I was eligible and approved for by Chase. Chase has been refusing to honor the missing 5 % cash back on grocery store purchases in the first year offer on my account even when the offer was available at the time of application and I was eligible per the Chase website and I was approved via the confirmation page. Actions and Responses : I have reached out to Chase multiple times to resolve this issue without any avail. I was provided with vague responses along with false and incorrect reasons to why I am ineligible for the offer and why the offer was not appearing on my account. On XX/XX/XXXX, I spoke to a Chase Customer Service Specialist who mentioned the 5 % sign up grocery bonus for the first year offer is already applied to my Chase Freedom XXXX card but will not show up anywhere. I will be automatically getting the 5 % back on grocery store purchases as points for first year when I make eligible purchases. This did not happen after I made multiple grocery store purchases and I did not receive the 5 % grocery store cash back bonus on my new Chase Freedom XXXX card account. On XX/XX/XXXX, I spoke to a Chase Customer Service Specialist who mentioned the 5 % cash back grocery bonus for the first year offer should be appearing on my account. They did not know why it was not appearing and they escalated this issue to their Marketing and Research team to see why the sign-up bonus of 5 % cash back on grocery store purchases for first year was not applied and appearing on my Chase Freedom XXXX Card as it should be. The agent said I would be receiving a response in XXXX to XXXX business days in mail. On XX/XX/XXXX, I did not receive a response in mail from Chase yet and my Chase Freedom XXXX card account was still missing the 5 % cash back on grocery store purchases for first year offer. I reached out to Chase and spoke to another Chase Customer Service Specialist. They said I am ineligible because the " 5 % cash back on grocery store purchases for first year '' offer was not available at the time of my application for the Chase Freedom XXXX credit card and only the {$200.00} offer was available. I explained that this is incorrect. The same offer has been available before my time of Chase Freedom XXXX credit card application and was available when I applied and is available on the official Chase website as of XX/XX/XXXX. I also explained that I meet the eligibility criteria as stated per the official Chase website and received confirmation of approval for {$200.00} bonus and the 5 % cash back on grocery store purchases for first year offer after my application. The agent said they have re-escalated the issue and I will be receiving a response. On XX/XX/XXXX I received a letter from Chase dated on XX/XX/XXXX regarding the conversation I had with the Chase Customer Service Specialist on XX/XX/XXXX which said, " As per your application details, the enrollment offer for the account was for XXXX points after spending {$500.00} in purchases within the first three months of opening your account. ... ... ... ... ... ... ... ... ..We are unable to match the offer to receive 5 % on grocery store purchases in the first 12 months of account opening with a spending cap of {$12000.00}. '' I have included the letter as an attachment for full details. Chase claims the enrollment offer for the account was for the {$200.00} sign bonus only and Chase is unable to apply the missing offer. This is incorrect, as I specifically applied for the Chase Freedom XXXX credit card when both offers were available on the Chase official website on XX/XX/XXXX and the account is eligible per the Chase official website. The whole issue is because the 5 % cash back on grocery store offer for the first year is missing from my account when it should be available. There were not any additional enrollment steps for 5 % cash back on grocery store purchases offer other than just applying for the Chase Freedom XXXX card on the Chase Freedom XXXX card application page. See attachment " Screenshots of websites and same Chase Freedom XXXX offer multiple dates..pdf '' On XX/XX/XXXX, I received a letter from Chase dated on XX/XX/XXXX in reference to a conversation with a Chase supervisor regarding the Freedom XXXX credit card account which said " We reviewed your credit card account above and confirmed the offer you applied for is XXXX bonus points after you spend {$500.00} on purchases in the first 3 months from account opening ... ... ... ... .Unfortunately, your account isn't eligible to receive 5 cash back on grocery store purchases. Promotional offers are only available for select credit cards and aren't transferable between accounts. '' I have included the letter as an attachment for full details. Chase again falsely claims I applied for the ( {$200.00} ) XXXX bonus points only and my account is not eligible to receive the 5 % cash back on grocery store purchases first year. This is again incorrect, as stated above I specifically applied for the Chase Freedom XXXX credit card when both offers were available on the Chase official website. There were not any additional enrollment steps for 5 % cash back on grocery store offer other than just applying for the Chase Freedom XXXX card on the Chase Freedom XXXX card application page when both offers were available. Chase keeps using circular logic in their response saying I only applied for the ( {$200.00} ) XXXX bonus points only offer only when I applied for both. Any reasonable individual, looking at Chase Freedom XXXX credit card application website will assume that the application for the credit card automatically applies for both offers as stated by the Chase website unless stated otherwise. Here is how it appears. " Earn a {$200.00} bonus after you spend {$500.00} on purchases in the first 3 months from account opening. * XXXX, earn 5 % cash back on grocery store purchases ( excluding XXXX and XXXX ) * There were no statements made otherwise on the credit card application webpage which mentioned it was one offer or the other when approved. The verbiage also includes " XXXX '' for both offers. On XX/XX/XXXX, I received a letter from Chase dated on XX/XX/XXXX which said, " Upon reviewing your account, we see that the offer you requested for was never enrolled, hence you did not qualify for it. We are unable to honor your request and apologize for the inconvenience this may have caused. '' I have included the letter as an attachment for full details. Chase in this response says the offer was never enrolled so I did not qualify for it. Chase does not explain what is required to have offer enrolled, why the offer was not enrolled, who needed to enroll the offer and why I did not qualify for it. Chase provided vague responses to dismiss the issue and not honor the promotional offer advertised on their website. If Chase is claiming the offer was not available at the time of my application, then it is false and incorrect as both offers were available at the time of my credit card application and I was approved for both offers by Chase. If Chase is claiming, there were additional steps to enroll into the 5 % cash back on grocery store purchases offer, there were no information or steps mentioned on the Chase Official website or on the Chase credit card application page that needed to be completed by me to be enrolled for both offers other than just apply for Chase Freedom XXXX credit card. I spoke to a Chase escalation supervisor and explained the issue again and how I have received approval and am eligible per the Chase website and the offer was available at the time of my application which is why I specifically applied for the card. The supervisor said that they are not able to do anything as the decision has been made already by the Marketing and Research team and the only next step would be to send a physical mail or send a fax to the Chase Correspondence team to resolve this issue. Per the supervisor, the Chase Correspondence team does not have a direct phone number I can use to contact them and can only be contacted by physical mail or fax provided. I compiled a document with screenshots dates and proof that both offers were available before, at and after the time of application along with all the past contacts with Chase for the Chase Correspondence team to resolve the issue. On XX/XX/XXXX. I sent a physical mail to the Chase Correspondence team with delivery tracking confirmation so Chase is not able to claim they never received the letter just like they are claiming the 5 % cash back on grocery purchases for first year offer on my application was never there. On XX/XX/XXXX, I received a letter from Chase dated on XX/XX/XXXX, in response to my physical mail which said " Your account is not eligible for the offer you requested ... ..Although your account isn't eligible for the new offer your requested, the original offer is still available to you. We encourage you take advantage of your original offer Your original offer is XXXX bonus points after you spend {$500.00} purchases in the first 3 months your account is open ... .. '' I have included this as an attachment. See Physical Mail Sent to Chase Correspondence team.docx for full details and screenshots. Chase Correspondence team again disregards all proof and screenshots I provided to show that offer was available when I applied and says my account is not eligible to not honor the promotional offer.Chase also does not provide any legitimate reasons to why my account is not eligible, as there are none. As stated per the Chase Freedom XXXX credit card application website, my account is eligible, since I have never had the Chase Freedom XXXX card before and have not received a new Chase Freedom XXXX cardmember bonus for this card in the past 24 months. Proof and Screenshots : I do not have screenshots of the Chase offer and confirmation from the day of application since I have never had issues with Chase before for my other credit cards and had no reason to suspect there would be an issue. I specifically applied through the official Chase portal and chose to apply for the Chase Freedom XXXX credit card on XX/XX/XXXX because of both " 5 % cash back on grocery store purchases on up to {$12000.00} spent in the first year and the {$200.00} bonus after I spend {$500.00} on purchases in the first 3 months '' offers available at the time of my application. When I submitted my credit card application, I was taken to a page where it showed I was approved for the Chase Freedom XXXX credit and for both 5 % cash back on grocery store purchases on up to {$12000.00} spent in the first year and the {$200.00} bonus after I spend {$500.00} on purchases in the first 3 months offers.The same offer is available currently as of XX/XX/XXXX on the Chase Freedom XXXX credit card application website. Here are XXXX reputable websites with URL links that show when the both of the Chase offer was available. The 5 % grocery store cashback has been available before or from XX/XX/XXXX along with the {$200.00} bonus with the same introductory sign up bonus for Chase Freedom XXXX card as when I applied on XX/XX/XXXX. I have attached the screenshots in page XXXX and page XXXX in " Screenshots of websites and same Chase Freedom XXXX offer multiple dates..XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, the same offer has been available and is still available on the official Chase Freedom XXXX credit card application website on XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. The screenshots are also available in the physical mail sent to Chase Correspondence team attachment in page 3, page 4 and page 5. Chase is directly ignoring all proofs I provided and their own eligibility criteria for the promotional offers on their own website to not honor the advertised promotional offers. Chase is misleading customers by falsely advertising promotional offers and eligibility criteria on the Chase official Freedom XXXX credit card website to get customers to apply for the card. Chase is then not honoring the promotional offers and claiming ignorance by saying my account is ineligible for the offer since the offer was not there at the time of my application which is false and untrue for all the reasons and proofs provided above.
Company Response:
State: AZ
Zip: 85024
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.
Company Response:
State: AZ
Zip: 85085
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
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 wanted to dispute a transaction which I purchased with a credit card issued by Chase Bank ( I was unsatisfied with the service I received from merchandise ). However Chase didn't treat my request well and didn't even try to protect customer 's right or investigate more into the case I met. Some details for the transaction- I purchased four tickets for XXXX XXXX XXXX XXXX XXXX for the XXXX candlelight concert held by XXXX. However, the experience didn't reach my expectations and I would like to request a refund for the XXXX tickets. 1. We purchased tickets for XXXX XXXX XXXXeats but when we arrived, the only seats remaining for us were the last rows of XXXX XXXX ( We can't even see XXXX 's face from there ), which should had a lower price than XXXX XXXX tickets. We complained this to the staff but we were told the seats were first-come-first-serve. That totally didn't make sense. XXXX XXXX has different price than XXXX XXXX, how can all seats be fcfs? 2. The scheduled firework was canceled. Firework was the most expected part we were looking forward to but it was canceld. We also communicated with the merchant for the cancelation, but they didn't give any feedback for this and didn't provider solutions. 3. The performers played several wrong notes, especially in XXXX XXXX XXXX XXXX XXXX XXXX Unfortuantely, the experience didn't reach our expectations- especially the expeirence with the seating, we felt really being offensed.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
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: XXXX XXXX denied us access to a cruise we had booked to commence from XXXX XXXX in XX/XX/XXXX. Following our arrival at the port in XXXX XXXX We were advised that we were late and access to the cruise ship at all its ports of call would be denied. As a result no service was provided to us by XXXX XXXX. To date no response has been received from XXXX XXXX detailing their reasons for denying access. Chase Cardmember services has been handling our defense but with such a long passage of time having lapsed since our original dispute filing, we are reaching out to you for help resolving the dispute. Attached are the following documents 1. Letter to Chase dated XX/XX/XXXX detailing my frustration with the still unresolved matter 2. Letter to XXXX XXXX XX/XX/XXXX detailing the full account of our dispute 3. XXXX XXXX letter handed to us at our arrival at the port of XXXX XXXX XXXX backup documentation such as tickets, photos, receipts etc can be provided should that be necessary.
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In XX/XX/XXXX, there should only be hard XXXX inquiries on my credit ( there's XXXX hard inquiries showing right now ) : The following XXXX are valid hard inquires : XXXX ) XXXX XXXX for car purchase XXXX ) XXXX for car purchase Please remove the following hard inquiries from my credit : XXXX hard inquiries on XX/XX/XXXX ( XXXX XXXX XXXX, XXXX XXXXXXXX, JPMCB Auto Finance ) were not authorized And, another hard inquiry on XX/XX/XXXX ( JPMCB Auto Finance ) was not authorized.
Company Response:
State: CA
Zip: 92532
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: 2 credit cards were opened in my name. They are affecting my credit score very badly.
Company Response:
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-14
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: On XX/XX/2022 I attempted a purchase with XXXX XXXX but it didnt work, according to them so I contacted chase for a reversal of the transaction so that I could try again. Once the funds were available again XX/XX/2022 I paid funded XXXX from my XXXX XXXX account and on XX/XX/2022 was granted access to my new account with funded next that I still have access to. There is absolutely XXXX proof that XXXX XXXX gave me access to any accounts before XXXX XXXX when I paid from my XXXX XXXX account the fee of {>= $1,000,000} XXXX which at that time was {$290.00} USD ( the fee for the XXXX funded account. Early XXXX chase reversed the payment ( {$290.00} ) again and sent the funds back to XXXX XXXX although I had already paid XXXX XXXXXXXX from an alternate bank account ( XXXX ) and sent JP Money Chase ample proof showing funded next said they never once received my chase payment and didnt XXXX me ANY account until XXXX XXXX when I paid from a different bank. There is no proof that I was given any service for my payment of {$290.00} USD from my JP Morgan Chase checking account on XXXX XXXX not the day I was mailed them to inquire why I didnt have an account yet XXXX XXXX and still messaging them today XXXX XXXX for a refund, from XX/XX/XXXX payment/ Chase reversal. However, they had received BOTH payments and would not refund EITHER claiming it was because I had opened a claim with my bank ( JP Morgan Chase ) as if I was wrong to do so but note that I did not open a second claim with my XXXX XXXX account as that day, the payment went through promptly and I had access to my XXXX funded account almost instantly. I want a refund for my money ( {$290.00} ) and I will not settle for less than that seeing they took XXXX payments from me yet only provided me XXXX account from the XX/XX/XXXX payment ) my time XXXX is the same as XXXX so note that and do not allow them to use any loopholes with time zones to avoid accounts for their theft AND I have proof that they did all of these things while saying they never once received the first payment from my chase account and even with all of the faxes and phone calls with chase, they have yet again as of XX/XX/XXXX sent funded next money from my bank account as if they were honest with me the first email I sent inquiring where the XXXX funded account was. This is so wrong and heartbreaking so please help me recover my {$290.00} dollars from JP Morgan Chase and I have the emails, fax records and call records as well as ask you to ensure this claim is handled by humans and not bots as funded next does. I also have proof that they didnt disclose that my account XXXX was a bot before I signed up and today, XXXX XXXX I asked for my account XXXX to assist me with my refund and again, havent received any response or assistance. I also have the emails from funded next, verifying everything Ive stated above as well as a closed claim from Chase resulting in no true or worthy resolution for me.
Company Response:
State: IL
Zip: 60073
Submitted Via: Web
Date Sent: 2023-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-14
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I opened an account XXXX, when i XXXX to activate the card it started the account was restricted i then called chase and they told me the account was closed and the could not tell me why. I asked why hadnt I received a adverse action letter or anything in the mail on XX/XX/14
Company Response:
State: IN
Zip: 46322
Submitted Via: Web
Date Sent: 2023-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-14
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: My account was charged for an automated fee from XXXX fee on XXXX for XXXX. The fee hit the account XXXX times for a total off XXXX and should have occurred only once for the fee due of XXXX. I called in XXXX XXXX Chase Bank due to no funds available and to replace the issue. They said that the pending payments could not be reversed which according to Banking laws this is not true. I was told this would resolve in a day. On XXXX, I still have no funds available to make purchases, get food, or pay my mortgage. XXXX sent a letter out late on XXXX confirming the problem but said it would take XXXX days to resolve. XXXX did not issue any credits so that we make use our funds knowing the issue! They knew about the issue because in my call the service representative reported other callers! I called again today XXXX XXXX and they know about the issue but could not and would not issue any credits to update our available balances for spending
Company Response:
State: GA
Zip: 30008
Submitted Via: Web
Date Sent: 2023-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-14
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: XX/XX/XXXX I called Chase Auto to make a payment and change my due date. The person I spoke with said once I pay they can change it. I paid online {$800.00} and some change. Then they said they will change the due date. The app online shows I am caught up on payments, however I got a phone call saying I am behind and have to pay {$1600.00} by XX/XX/XXXX. I did not understand why so I contact Chase again and they said the XXXX payment was reversed, however it never went back into my bank account. I also went to Chase Bank and they said they cant help because its an auto issue. So then contacted the Auto center again and another person said I was caught up and good to go. I waited and was going to make my XXXX payment. Then my bank account shows they took out {$1600.00} without me being on autopay or asking. They just removed the money XX/XX/XXXX. My bank account was negative and then the next day positive because the payment reversed for insufficient funds which I told them I dont have the money. Then it came out again and caused my account to go negative again. So I contacted them again, this time another man looked at the deposits on his end and said that they payments were messed up and hes sending it to the higher ups to look at because they messed up. My payments werent going towards any principle and he shows I made my XXXX payment but they have it to where I didnt and wanted me to pay for XXXX and XXXX. So now me and my co-signers credit is messed up because they are trying to repo the truck for being XXXX days late even though its only XXXX days and they still havent fixed the issue. We faxed over all the documents the guy on the phone asked for so he can get them to fix it but they are saying they are going to repo the truck.
Company Response:
State: IN
Zip: 46151
Submitted Via: Web
Date Sent: 2023-01-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A