Date Received: 2022-11-25
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Chase offers a promotion with XXXX that offers a {$10.00} credit per XXXX if a XXXX purchase is made. I received such a credit on XX/XX/2022, then after my XX/XX/XXXX statement closing date, I called Chase to ask whether these credits reset based on statement cycles or calendar XXXX.I was told they reset based on statement dates so that I was therefore again eligible for a credit. Based on that information I made another XXXX purchase on XX/XX/2022, but did not receive the credit. I inquired to Chase and was now told the credits are based on calendar XXXX and they would not honor the promise the previous rep had made nor make it right. When I called a XXXX time I was again told its based on statement dates, then when I escalated they went back to saying calendar XXXX and again that they would not make it right for me. Very frustrating and an extremely poor customer experience.
Company Response:
State: CA
Zip: 92264
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
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: Dispute filed back in XXXX regarding a purchase that was returned to the merchant because the items were not as described. Poor quality, unwearable. When the dispute was opened, I provided tracking number and proof that the items were returned to the merchant and a store credit was issued. I did not intend to purchase anything again from the merchant and requested a refund. The merchant stopped responding and refused to issue a refund to my cc for items that were returned. So I opened a dispute with Chase credit card. Were are now 60 days into the dispute and Chase is still investigating the case. I was told so many different things over these 2 months, first they were saying that the merchant has 15 days to respond, then their account executive said it was 30 days. Today I received a message that I have to call them as they need more info. The claim representative wasnt sure what they needed because she could see the submitted documentation. She was unclear of what was going on with the case and why claims were reaching out. I said great, can we close this case now so I can get my money back? This representative responded that the merchant actually has not 15 days ( the initial timeline they gave me, and not 30 days ( timeline given by their Account Executive ) but 2 BILLING CYCLES. So which one is it? These people have no idea what they are doing, their staff is clearly untrained and incompetent.
Company Response:
State: CA
Zip: 92101
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I XXXX XXXX XXXX XXXX is XX/XX/1984 an I'm filing this complaint bc I'm not getting help or no luck finding my checking account number for jp Morgan chase Bank. I no its jp Morgan XXXX XXXX bank but I need my account number along with my debit card number that's linked to that account. Would the information I'm requesting please be sent to my email address an also by mail SOON AS POSSIBLE? COULD I ALSO HAVE THE CONTACT INFORMATION FOR THAT EXACT BANK be in different areas when it's sent to me?? Address far enough away from my account number. My card number not close to either of those? I no they are different accounts along with different credit cards so if it could al be sent to me together in the same message then make sure they all are very much not to were I don't understand it?
Company Response:
State: KY
Zip: 426XX
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Chase explorer card Reference # XXXX Dispute denial after the XXXX XXXX XXXX XXXX sent a letter stating they will honor the refund in the amount of XXXX chase explorer refuse to challenge the merchant with all the proof we have provided
Company Response:
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: What happened was that on XX/XX/2022 XXXX fraudulent transfers were made from my account through the form of XXXX in the amounts of XXXX and XXXX. These are transactions I didnt make and have since called my bank regarding the issue. Then on XX/XX/XXXX I received a letter stating We found that the transaction ( s ) was processed according to the information you provided or was authorized and No adjustments will be made to this account
Company Response:
State: CA
Zip: 94609
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
Issue: Problems at the end of the loan or lease
Subissue: Problem when attempting to purchase vehicle at the end of the lease
Consumer Complaint: I previously had conversation with an XXXX from Chase Auto, and I was told that I could have the issue of being wrongly charged taxes on my lease with the XXXX tax jurisdiction. I physically went to the office, and they redirected me back to Chase Auto. The representative from the XXXX XXXX XXXX expressed that Chase Auto would have to resolve this matter on my behalf, as I did not pay taxes to them directly. All of this took place in XXXX, and it is now XXXX. I have not had a resolution. I specifically explained to Chase Auto at the end of my lease that my lease purchase packet was incorrect. Property taxes were charged to me, yet they had the personal property tax line reading {$0.00}. Chase Auto refused to correct it. Now, they refuse to present my case to the XXXX jurisdiction off the strength of a letter mailed in XXXX, when we were in a national pandemic and the mail system was receiving a lot of bad publicity with losing mail at this time. I also moved, and have no confidence that they mailed it to the correct address. There's a secure message center on the Chase app. They did not contact me via this app to alert me. The Chase app would have been a more direct form of communication where it would not be lost and this confusion could have been avoided but they did not concern themselves with how to effectively communicate with their client. I never paid property taxes on a lease before, and was first made aware in XX/XX/XXXX. I was incorrectly informed when I first inquired about the tax charges, that submitting the affidavit before the end of my lease in XXXX would allow me to be refunded. Most recently they acknowledged that they received the affidavit and that it will be applied moving forward in the years to come, BLATANTLY disregarding that I no longer have a lease with them and never will again. I would like my refund, as ONE letter to encompass all the years of a lease is ridiculous, especially during a year where the federal mail system was known to lose correspondence! This is $ XXXX that was taken from me.
Company Response:
State: TX
Zip: 75206
Submitted Via: Web
Date Sent: 2022-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: According to the FCRA, agencies must correct or delete inaccurate, incomplete, or ( unauthorized/unverifiable hard inquiry ) XXXXXXXX XXXX XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XXXXXXXX XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XXXX JPMCB - Auto Finance ( unauthorized/unverifiable hard inquiry ) I have attempted to dispute these inquiries with all three credit bureaus. However, they have all refused to investigate the inquiries and have informed me that Hard inquiries must remain on my credit report for 2 years and may not be removed.
Company Response:
State: TX
Zip: 76549
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This account has been closed since XXXX and has not incurred any charges since.I have written statements quoting that this account is paid in full dated XX/XX/XXXX from your bank.
Company Response:
State: NV
Zip: 89081
Submitted Via: Web
Date Sent: 2022-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage permits me to make advance principal payments with no fees. Each month, I pay extra toward the principal. This should ultimately reduce the amount of interest I pay, since my outstanding mortgage balance is being reduced significantly each month. The payments were all documented in written emails to the bank. There is no dispute about the amount of payments, the date of payments, or the purpose of payments. They accepted the payments, but instead of crediting them toward principal, they treated them as advance payments of my regular " principal plus interest '' payments. When I discovered this, the outstanding balance on my mortgage was wrong by more than {$11000.00}! The bank acknowledged the error but said their system would not allow them to correct it. I fought with them for many weeks, but they insisted it was too bad for me because their system could not be corrected. Ultimately they agreed to fix it, but they made some sort of error still and my balance is still incorrect, though by a XXXX XXXXXXXX XXXX instead of {$11000.00}. They are refusing to right the error. I have escalated this as far as I can and still have not had the balance corrected.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-11-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, I purchased a XXXX monitor from a website that was originally named XXXX, they now changed their name to XXXX. I was charged a total of {$840.00}. It was months until I asked about my product after going back and forth I decided to ask for a refund. I was sent a text message and email on XXXX. XXXX claiming that my money was going to be refunded in 20 days. The phone number was XXXX ( XXXX ) XXXX. After nothing was returned I would continue to go back and forth with company reps claiming that theyre doing their best to help. On XX/XX/XXXX I spoke with my bank to file a refund claim they denied it due to not being within 60 days of the original transaction date. A couple of days after I filed the claim, the fraudulent website emailed me saying the item was in stock if I would like to place an order for one.
Company Response:
State: CA
Zip: 91911
Submitted Via: Web
Date Sent: 2022-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A