JPMORGAN CHASE CO.

2019-04-29

Rosemead, CA

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Problem accessing account
Company Response: Closed with explanation

Timely Response

2019-04-29

Sarasota, FL

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

2019-04-29

Sarasota, FL

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
Complaint: Chase Bank Dispute # XXXX To Whom it May Concern, XXXX XXXX , XXXX is an American veteran-owned company. Several months ago, we were informed by a Chase bank representative that a services dispute with a vendor, XXXX, had been resolved ; however, I received another billing statement and found that we had been re-billed. In fact, this happened twice. We made an inquiry and was told that XXXX had submitted a rebuttal in an arbitration process of which we weren't part of the process. We never received a copy of the rebuttal nor were we able to respond to their unfounded statements until it reappeared. The business relationship with XXXX started out with promise. Our management team saw an opportunity to scale our company and to hire military spouses as salespeople. XXXX was a 'new ' hiring company in the military spouse community and we reached out to them to see if they could help our company. It was a pleasant meeting and after hearing our sales needs, we were given two options of what they could do for us : # 1 ) XXXX would hire qualified sales people and XXXX XXXX would train and manage them ... or, # 2 ) XXXX would hire qualified sales people and XXXX would train, manage, and/or replace any of them for sales non-performance. We chose Option # 2. The program was to last for 90-days, the first 30-days would be to hone the sales program, vet, hire and train a sales team of qualified individuals. The next 60-days would be a boots-on-the ground cold-calling sales effort. XXXX did manage to hire some people ( 5 out of the original 8 we had agreed upon ). We paid them {$4000.00} ( {$800.00} per hire ) using our Chase Bank corporate credit card. Within a very short period of time, it became evident that they did not hire qualified people nor train or manage them as they had promised in the agreement. Additionally, XXXX did not give us the full 60-days of sales efforts as promised in the written contract. And further, the issue ( character assassination ) they later raised in an arbitration filing ( which we were not notified of ) had no legal bearing on the dispute itself. Our dispute with Chase Bank is about XXXX ' poor quality-of-service and lack of performance. It was always about finding, training, and managing the right sales people, not about waiting for credit card machines or clouding the real issue with personal attacks. XXXX ' practices were fraudulent from the beginning. They never had any intention of providing the services as we had agreed to and paid for. The lack of performance by the salespeople they found is concrete evidence that they did not properly vet, train, or manage any of the people they provided as sales people. In fact, the company ( XXXX ) has re-branded under a different corporate name and no longer provides the services they had promised us in our business relationship. We made a complaint with Chase Bank who reversed the charges in our favor, not once, but twice. However, they re-billed the charges both times without explanation or notification as to why. The reversed charges just appeared on our billing statements. Recently, we were told that we no longer had any recourse to dispute because we had reached a 118-day timeline in their process. We were never told that there was a 118-day dispute period. We believe this is a process breakdown and not about the merits of our dispute. All of our points were clearly outlined in the dispute packet we sent to Chase. We believe Chase has aided and abetted a company selling false goods and services and is using the unknown 118-day timeline criteria as a means to not take responsibility. This leads us to wonder why the dispute was reversed twice in our favor and twice in their favor. Chase 's " waffling '' has hurt my credit rating and is restricting the trade of our business to secure more operating capital.
Company Response: Closed with explanation

Timely Response

2019-04-29

Greenville, SC

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-04-29

Tucson, AZ

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: On XX/XX/2019 : Applied for a Chase/United Airlines credit card using an offer code that I received aboard a recent XXXX flight. The promotion offered 50,000 air miles if I spent {$3000.00} in the next 3 months. On XX/XX/2019 and XX/XX/2019 : Received an email saying I was approved for a United Explorer card for which I would 40,000 miles if I spent {$2000.00} in 2 months and 20,000 more if I spent another {$8000.00} ( total of {$10000.00} ). I immediately called to complain and was told I would have to call back when their " partner verification process was complete in 3-5 days ''. XX/XX/2019 thru XX/XX/2019 : I called every day from the 3rd day on to try to resolve the issue and was told everyday that the " verification process '' was not complete even though I had already been approved. Finally, on about XX/XX/XXXX I was told it was complete and they would expedite the delivery of my card because of the delays. I asked about the issue with the wrong promotion and was told the matter would be forwarded for resolution and that someone would get back to me within 7-10 days. XX/XX/2019 : I received my card via expedited delivery. XX/XX/2019 : I did not receive a response within the 7-10 days so I called. I was told that the matter was closed with no action because I received a " better '' offer than I applied for and so they could not " downgrade me ''. I asked what they meant about better offer and they said since I had the potential of getting 65K miles versus the 50K that was on my promotion it was considered a " complementary upgrade so now I can not be downgraded ''. I explained that I understood why it's an upgrade for THEM, but not for ME, since now I have to spend {$10000.00}, but I only intended to spend {$3000.00} so now I only get 40K miles for my {$3000.00} instead of the advertised 50K miles. I asked to speak to a supervisor and was told exactly the same thing ( i.e., " we can't downgrade your offer '' ) by the supervisor. I have the names of the representative and supervisor if that is needed. He was told I would receive a letter about the " resolution '' of my initial complaint in the mail, but that has never happened. I asked for another supervisor, but was told that there was no one above him that was available by phone. I was told that I could write to the company headquarters, but they will tell you the same thing. I reiterated that I thought that it was false advertising since I had no intention of spending {$10000.00} and that I just wanted the promotion that I applied for. Again ... '' sorry, can't be downgraded ''.
Company Response: Closed with explanation

Timely Response

2019-04-29

Wildomar, CA

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with explanation

Timely Response

2019-04-29

Parkrose, OR

Managing an account

Checking or savings account: Other banking product or service

Banking errors
Company Response: Closed with explanation

Timely Response

2019-04-29

Sunnyvale, CA

Opening an account

Checking or savings account: Checking account

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

Timely Response

2019-04-29

Davis, CA

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-04-29

Glassell, CA

Fraud or scam

Money transfer, virtual currency, or money service: Domestic (US) money transfer

Company Response: Closed with explanation

Timely Response

2019-04-29

Church Point, LA

Fraud or scam

Money transfer, virtual currency, or money service: International money transfer

Complaint: on the XXXX of XX/XX/XXXX I made a wire a transfer of {$25000.00} to a merchant called XXXX. It turns out that the details ( wire details ) transferred the money to a XXXX Bank account called XXXX XXXX XXXX - this account obviously had no connection to the merchant I had ( tried ) to transfer the money to. In the end of XXXX I realised that this transfer was probably a money laundering or wire fraud attempt and I asked my bank ( Chase ) to recall the transfer. They came back to me saying that there was no more money in the beneficiary account and that they could not recall the money. The Recall Case Id : XXXX I feel that Chase should have shown due diligence and should have " flagged '' this highly suspicious amount and warned me not to transfer it to the suspicious beneficiary.
Company Response: Closed with explanation

Timely Response

2019-04-29

Staten Island, NY

Opening an account

Checking or savings account: Savings account

Account opened as a result of fraud
Company Response: Closed with explanation

Timely Response

2019-04-29

Bronx, NY

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
Company Response: Closed with monetary relief

Timely Response

2019-04-29

Aurora, UT

Fraud or scam

Money transfer, virtual currency, or money service: Domestic (US) money transfer

Complaint: On XXXX XX/XX/2019, I made a {$300.00} payment to an online retailer using Chase quick pay with XXXX on the Chase website. I realized that this was a scam website after no confirmation, product, or response to any inquiries regarding the order and contacted Chase to get more information about the transaction to attempt getting a refund through the retailers bank. I contacted Chase via a secured message on XX/XX/2019 explaining what happened and asked " Is there a way to reverse this transaction, or do you have a contact at XXXX that can give me more information about the recipient? '' That XXXX, my message was reviewed and I received a response restating my original email and informing me that " The transfer has been completed. However, as you mentioned that the website is a scam while we can handle most inquiries by email, some require the expertise of another team. In order to assist you better in regards to the refund we request you to call our Consumer Online Technical Support Team. '' I called the number listed in the email and explained my situation to then be transferred to the claims department. I was directed to call XXXX and ask them about the transaction because Chase did not have any information outside of what I provided when initiating the transfer. I felt like this agent was trying to get me to end the call as quickly as possible and I had to interrupt her closing script to ask for a contact number at XXXX and didn't have an opportunity to get any information about what the right questions would be to ask XXXX or what words and phrases I should use to get the information I was looking for. I called XXXX who's automated system initially directed me to call my bank because I used the banks app to initiate the transaction. I called XXXX again to navigate their menus and talk to a customer service agent. They told me that all of the information about the transaction would in Chase 's system because I used the banks app to perform the transaction. She stayed on the line with me until I understood everything that I should ask and had a better understanding of the situation. I ended the call and called chase again. When I called chase the second time, the agent tried to look up the information about the receiving bank but could not find any additional information. She then asked me why I needed this information and I explained my situation again. I was once again transferred to the claims department, who told me that I needed to contact XXXX to get the information I was looking for. After I told her that I had already contacted them, she finally admitted that there was nothing that she could do due to the nature of the transaction and that these types of transactions are not secured. She said that Chase had no information about the recipient other than the email address that I inputted and that the recipients banking information was not kept in the system. In both phone calls, they asked if I initiated that transaction, and used that to absolve themselves of all responsibility in regards to this matter. During this whole process, it felt like Chase was not transparent about their policies regarding these types of transactions nor were they helpful in helping me get any information about the situation. These transactions are advertised as a " fast, safe and easy way to send money, '' but seem to be a dangerous way to do business. I feel deceived by Chase 's advertising and further victimized by the way I was treated by the members on their customer service team.
Company Response: Closed with explanation

Timely Response

2019-04-29

Jupiter, FL

Fees or interest

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

Problem with fees
Complaint: On XXXX XXXX, 2019 I paid off my credit card account @ Chase Freedom. Fast forward to XX/XX/2019 and I receive a charge of {$11.00} on my account. How does Chase get away with bleeding customers for every penney? I called Chase Freedom and spoke to XXXX @ the XXXX office and all he could offer was lip service as he read the standard company manual!? He could careless if I closed my 4 Chase accounts? Horrible customer service!! Do not open a Chase Freedom account .... Go for XXXX XXXX!
Company Response: Closed with monetary relief

Timely Response

2019-04-29

Chicago, IL

Fraud or scam

Money transfer, virtual currency, or money service: Domestic (US) money transfer

Complaint: I have a youth organization where I mentoring at risk youth through the sport of basketball, so I registered them for a local basketball tournament ( {$220.00} ) which turned out to be a scam. I reached out to the organization ( XXXX XXXX ) with was supposedly hosting the tournament me and they constantly keep text and emailing me that the refund was being proceed which will take 7-10 days its been over a month and now no response. After further research I've discovered that this company ( XXXX ) has been scamming people all over. I reached out to my bank Chase and all they could say was because I sent the money through XXXX its nothing I could do. We are a small organization on the south side of XXXX trying to help our between the age of XXXX and don't have a lot so {$220.00} is small to other but enormous for us. I feel like I didn't request my bank to add XXXX to my banking option and NO ONE from their company fully informed me of the precautions or operations of XXXX and figure because it in my banking options that it is safe to use or was backed by the bank. I just need some help trying to get our {$220.00} back so we can continue helping our community.
Company Response: Closed with explanation

Timely Response

2019-04-29

Brooklyn, NY

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

2019-04-29

Houston, TX

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Complaint: Texas law is very specific regarding the manner in which personal property ( including cars, trucks, boats, planes, televisions, washers, dryers, and other household items ) may be repossessed. A creditor or repossession company can not breach the peace when repossessing personal property. Moreover, under Texas law, a creditor is strictly liable for the actions of a repossession truck driver or repossession company for actions which breach the peace. There was a breach of the peace situation that occurred when 2 people came to my employer. The female made a scene, Raised her voice and I ask the 2 people do not touch my vehicle. Both individuals did not tell me who they were. MY manager even asked them to leave the premises and as I got in my vehicle they began to lift the vehicle on to the truck and snatch my car keys out of my hand. A breach of the peace by a tow truck driver occur because I was inside the car, caused a commotion at my employer and yelled at me at my place of employment : There are various legal claims for breach of the peace during a repossession including : Violation of the Texas Debt Collection Act Invasion of Privacy Unreasonable Collection Efforts Uniform Commercial Code Chase Auto has also reported a negative tradeline on my credit reports and I like to have it removed from every credit report because of the illegal taking of my vehicle at my employer and the creditor is liable for how the vehicle was taken from me. I want the negative tradelines removed from my credit reports and investigation into how the company came to my employer and repossess my car.
Company Response: Closed with explanation

Timely Response

2019-04-29

Las Vegas, NV

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-04-29

El Paso, TX

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with monetary relief

Timely Response

2019-04-29

Louisville, KY

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with monetary relief

Timely Response

2019-04-29

Burlington, WI

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation

Timely Response

2019-04-29

Tampa, FL

Advertising and marketing, including promotional offers

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

Confusing or misleading advertising about the credit card
Complaint: I received a promotional offer 0 interest rate for balance transfer with Chase. The amount transferred was XXXX and charged XXXX dollars for transfer fee. on my first bill the minimum payment was XXXX dollars, I paid XXXX dollars they charged me for the next billing cycle {$5.00} arguing that the transfer fee was added as purchase and for that reason was charged with interest fee on my bill. I argued I pay more than minimum they never explained that to avoid any charges I will have to pay in the next build the {$5200.00}, I told them that is false advertisement because I will always have to pay 21 % interest if I have to use the card even if I paid the entire purchase item for next bill. at the end they are explaining something after they are charging me with something they added to my account is transfer fee no a purchase. below is their answer. I am closing all my accounts with Chase. I had balance transfer before it was not like that. looks like is a new practice. From Chase : XXXX, here 's what happens when you take advantage of a balance transfer offer : - You'll have a new promotional balance on your account. - As a result, you lose your interest-free period, also called your grace period, on new purchases unless you pay your entire balance in full each month. This includes any promotional balances that you added by using the offer. - New purchases include any fees added to your purchase balance, such as an annual fee, if it applies to your account. - You receive the promotional rate on balances you add to your account using the offer, but you will pay interest on your new purchases. We received your payment of {$510.00} on XX/XX/XXXX. We charged you {$5.00} in interest on the purchase balance. When you make payment towards the account, it will first be applied to your statement balance. If your statement balance is paid in full, the remaining amount will be applied to any current activity balance on the account. If you pay your minimum payment, generally, it will be allocated towards the - First balances with the lowest APR - Then balances with the highest APR Any payment amount above your minimum payment will be allocated like this : - First towards balances carrying the highest APR - Then towards balances with the lowest APR If you have two balances carrying a promotional APR at the same rate, balances that will expire soonest will be paid first. If you have two balances carrying a promotional APR at the same rate and expire at the same time, the promotion that posted to the account first will be paid first. Here 's your current annual percentage rate ( APR ) and the balances : - {$310.00} at 21.49 % variable for purchases - {$4600.00} at 0.00 %, good until XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2019-04-29

Brooklyn, NY

Getting a credit card

Credit card or prepaid card: Store credit card

Sent card you never applied for
Complaint: I don't know why chasebank had to close my card I was sick and had to go to the bank
Company Response: Closed with explanation

Timely Response

2019-04-29

Odell, OR

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