JPMORGAN CHASE CO.

2019-05-30

Arlington, MA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with explanation

Timely Response

2019-05-29

Desoto, TX

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-05-29

Kapaa, HI

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-05-29

Plano, TX

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2019-05-29

Buffalo, NY

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Didn't receive advertised or promotional terms
Company Response: Closed with explanation

Timely Response

2019-05-29

Canaan Lake, NY

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Company Response: Closed with explanation

Timely Response

2019-05-29

Troy, MI

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Company Response: Closed with explanation

Timely Response

2019-05-29

Westerville, OH

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with monetary relief

Timely Response

2019-05-29

Problem with a purchase or transfer

Credit card or prepaid card: General-purpose prepaid card

Card company isn't resolving a dispute about a purchase or transfer
Company Response: Closed with explanation

Timely Response

2019-05-29

Las Vegas, NV

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-05-29

Jefferson, WV

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Company Response: Closed with monetary relief

Timely Response

2019-05-29

Las Vegas, NV

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Closed with explanation

Timely Response

2019-05-29

Brooklyn, NY

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Closed with explanation

Timely Response

2019-05-29

Dallas, TX

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-05-29

Hamburg, MN

Problem with a credit reporting company's investigation into an existing problem

Credit card or prepaid card: General-purpose credit card or charge card

Their investigation did not fix an error on your report
Complaint: Chase I'm filing a complaint After disputing with all three reporting company 12 times and they are not fixing my problem so I have started lawsuits on all three so now I'm disputing direct with you I found a lot of FCRA violation on account XXXX first violation is fcra 623 & 806 B you are not entering the consumer dispute marks on none of the reports after you have verified this account The law states that a creditor must Must enter this information because it CAN NOT REPORT ON THE CONSUMER REPORT. this is a violation of the FCRA you could be sued {$1000.00} per bureau. violation number two you stated that this account has been closed but you are still reporting a monthly payment this is also a violation of the FCRA another {$1000.00} per bureau. so please delete this account asap due to the violation of the fcra The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. chase DO NOT TAKE THIS AS A THREAT BUT I'm sick of dealing with the credit reporting company I'm taking action one down and two more court dates coming up here very soon
Company Response: Closed with explanation

Timely Response

2019-05-29

Wesley Chapel, FL

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Complaint: An Amazon prime Chase Rewards was charged without my permission. I have a XXXX bank card as my primary on purchases through amazon. About 6-8 months ago I applied to receive an instant {$50.00} amazon gift card during a purchase. Approximately XXXX I called the number on the back of credit card and paid off the purchase to a zero charge. On my prime amazon account, I carry 2 bank cards for purchase. My XXXX bank card is primary purchasing card. XXXX one day was verifying some purchases with me and I cleared them. However as I later learned Amazon kept the Chase card as the backup option and after my payment in full a purchase of {$43.00} was made in error without my permission it default to this card. I never receive any statement regarding this charge and its possible that it went into spam email as my emails are full of spam. I went to apply for a VA Loan with a credit score of XXXX and found a XXXX drop because I had a XXXX late on chase bank credit my score dropped to XXXX. First thing I have receive via mail was dated XX/XX/XXXX and arrived XX/XX/XXXX that I had a problem. Amazon agreed that it was there error for credit become default purchase card. I paid money owed and several fees however I was never notified and was not aware money owed and I am not get a resolution on my incorrect credit reporting and is now affecting my VA loan.
Company Response: Closed with explanation

Timely Response

2019-05-29

NY

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company forcing arbitration
Complaint: I received an email saying that I was now under a binding arbitration agreement, and that in order to opt out of it I have to jump through a series of hoops per their definitions in a timely manner. If they can email me out of the blue changing the terms of a legal agreement, I ought to be able to respond via email. Saying " here 's a binding contract, in order to disagree you have to go buy stamps, take time out of your day, write a letter with 18 pieces of information, etc ... '' is insane. I did not agree to this contract, my failure to respond is not consent, and setting obstacles in place to not allow me to disagree must be illegal. Chase Bank is engaging in anti-consumer practices that should be curtailed.
Company Response: Closed with explanation

Timely Response

2019-05-29

Inglewood, CA

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-05-29

Houston, TX

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

You never received your bill or did not know a payment was due
Company Response: Closed with explanation

Timely Response

2019-05-29

Stafford, VA

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Didn't receive advertised or promotional terms
Complaint: I applied for a Chase United Explorer mileage plus credit card with the promotion of XXXX mile points and XXXX off my plane ticket I purchased. I did this on XX/XX/2019. I received my statement for the amount of the original purchase price of the ticket. No discount at all. I called them several times to try and fix the problem. I was told the offer of XXXX mile points and XXXX more is what I received. That is not was the advertised promotion was when I applied for the card. I told her that's what I wanted. She then tells me that's a downgrade offer and she can't do that. What they gave me was a better offer. It's better for them if I spend XXXX dollars on a credit card. I absolutely feel this is fraud on their part. False advertising!! I cancelled the card. I still think they owe me the XXXX off that was advertised when I signed up for the card.
Company Response: Closed with explanation

Timely Response

2019-05-29

Galloway, OH

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Charged too much interest
Company Response: Closed with monetary relief

Timely Response

2019-05-29

Washington, DC

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company forcing arbitration
Complaint: On XX/XX/2019 at XXXX XXXX, I received an email with the subject line " Important information regarding changes to your Chase account '' Chase is requiring me to send in writing a letter to reject the binding arbitration clause. This is particularly onerous, when they could easily allow me to opt-out by phone or online. Below is the top-line of the updates from the email they sent me : " '' Important Changes to Your Account Terms Notice : Your Cardmember Agreement and associated Rewards Program Agreement ( if any ) were assigned to JPMorgan Chase Bank, N.A., as successor by merger to Chase Bank USA, N.AXXXX, on XX/XX/2019. Furthermore, beginning XX/XX/2019 all references to Chase Bank USA, N.A. in your Guide to Benefits and any additional account agreements and documents shall be read as JPMorgan Chase Bank, N.A. Summary of changes to your account terms effective XX/XX/2019. The description of the Minimum Payment calculation found under your Cardmember Agreement Rates and Fees Table is changing to a minimum of {$35.00} and to include unique payment obligations in connection with Flexible Financing Offers. We are introducing two new features, My Chase LoanSM and My Chase PlanSM, under which Flexible Financing Offers may be available to you from time to time, subject to the new rates and fees and Cardmember Agreement terms described below. A binding arbitration provision is added and the Military Lending Act Notice is revised accordingly. YOU CAN REJECT THE BINDING ARBITRATION AGREEMENT. YOU MUST MAIL YOUR REJECTION TO US BY XX/XX/2019. PLEASE SEE THE END OF THIS NOTICE FOR INSTRUCTIONS " ''
Company Response: Closed with explanation

Timely Response

2019-05-29

Chula Vista, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: Hello, In XX/XX/2018 I received a call from Chase /Amazon credit card stating my credit card bill was 30 day late. Prior to the call I had called Amazon because I was worried I had not received a bill. I was directed to call Chase. I spoke to someone and they stated I would be receiving a bill in a few days. I had received a bill from amazon in the past when promotions would alert, if credit card used you will get back 5 % .other wise I would just pay with my dept card. I then logged into Chase websight for the first time to set up acct. to view for next time. I continued to wait for my bill, so I can set up direct bill pay with my bank. About two weeks I received a call from Chase bank stating my bill was now late. I stated I never received a bill. The employee stated I was set up paperless billing. I stated I didn't but according to the IT dep. at chase the web sight is auto checked when creating chase acct. It auto enters a check mark, if not un-checked you will not receive a bill. The chase bank caller was very understanding about the issue. I made the payment by phone and was also told that the late fee would be waved. I later logged back into chase websight and made sure check mark for paperless billing was un-checked. 3 mo. later I find out it was reported to XXXX as a 30 day late. I was never called or alerted that it was late, check marks on paperless billing should not be auto filled. Chase verified the calls and confirmed recorded conversation but refuses to remove the 30 day late. This is the only bad record in my credit report ever entered in my life. They have ruined my credit for a $ XXXX payment that I never received. I'm reaching out to you in hopes that this can be resolved and 30 day late can be removed from my credit report. Thank you for your time.
Company Response: Closed with explanation

Timely Response

2019-05-29

Parker, CO

Struggling to pay your bill

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company won't work with you while you're going through financial hardship
Company Response: Closed with explanation

Timely Response

2019-05-29

CT

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: I filed a claim onXX/XX/XXXX and was told that once the transaction posted I would receive a temporary credit within 12 hours its almost 4 days later and I have not received the credit. all I have received if different bull XXXX responses from reps as to why the credit was not processed -- the merchant after I threatened to sue refunded the amount -- instead of still applying the temp. credit I am being made to wait another day for my funds. As a customer I am looking for another banking institution because I do not like how this situation was handled. I should not get 4 or more different versions of a policy and as a customer am now going to be without funds that were fraudulently taken from my account for almost a week. I had better response from the company who fraudulently charged my card than from my own bank ..
Company Response: Closed with explanation

Timely Response