JPMORGAN CHASE CO.

2019-03-07

Dallas, TX

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: Opened an account with Chase Total checking account online on XX/XX/2018 with the promotion offer of {$200.00} bonus when you open a new Chase Total Checking account and set up direct deposit. I have already set up the direct deposit and deposit was posted on XX/XX/2018 which is before 60 days. I haven't received the XXXX $ bonus yet.
Company Response: Closed with monetary relief

Timely Response

2019-03-07

Scranton, PA

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2019-03-07

NY

Incorrect information on your report

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

Account status incorrect
Complaint: In XX/XX/2018, Chase Mortgage took over my home loan from XXXX XXXX. I inadvertently continued to send my payments to XXXX XXXX and was not aware until XX/XX/XXXX that my payments were not being received by Chase Mortgage. Once I was made aware of this I began to work with my Bank ( XXXX XXXX XXXX ) and XXXX XXXX to try and track down my payments and get back in good standing with Chase. This process took some time and in the meantime Chase deemed me a risk and sold my mortgage to XXXX. This caused my credit score to drop almost 200 points. I have always been good about paying my bills except for a few 'hiccups ' along the way. The major exception is the time period from XX/XX/2018, when Chase decided to buy my mortgage from XXXX XXXX, until XX/XX/2018 when I was made aware of the situation and took steps to correct this. As you can see from the attached documents I fixed the 'lapsed ' payments and have been on time since then. I feel that this situation was not caused by my inability to pay, but due to some confusion with the buying and transfer of my mortgage and therefore I should not be penalized by this.I would appreciate anything that can be done to help restore my credit to where it was before this all happened. Thank you for your consideration.
Company Response: Closed with explanation

Timely Response

2019-03-07

Cypress, TX

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

2019-03-07

San Francisco, CA

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

2019-03-07

Getting a credit card

Credit card or prepaid card: Store credit card

Card opened as result of identity theft or fraud
Company Response: Closed with explanation

Timely Response

2019-03-07

Brooklyn, NY

Fees or interest

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

Problem with fees
Company Response: Closed with monetary relief

Timely Response

2019-03-07

San Gabriel, CA

Closing your account

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

Company closed your account
Complaint: On XX/XX/2019 I opened up a checking and savings account with Chase Bank. Upon successfully setting up my new accounts, I registered on Chase 's website for access to the online banking portal. While I was logged into my Chase online banking, I noticed a section titled " Just For You '' and clicking on it lead me to a page that displayed advertising for a Chase credit card product. The banner said, " You are prequalified for this card offer '' and the product it was referring to was the Chase Freedom Unlimited credit card. Upon clicking the link to see the offer details, the terms and conditions stated that this is a pre-approved offer based on my credit profile and that final approval is dependent on my credit report meeting Chase 's criteria for approval. I am relatively new to applying for my own credit card, but my research indicated that the Chase Freedom Unlimited card was a good product with favorable reviews, so I decided to accept the offer. Upon entering the requested information, I submitted my acceptance of the pre-approved offer and was instantly greeted with a " You have been approved '' notification. My credit monitoring service alerted me that Chase pulled my XXXX credit report the same day on XX/XX/XXXX. After I had received my Chase debit card and conducted a few banking transactions, I had logged into my Chase online banking account and once again found another offer under the " Just For You '' section. This advertising was the same as before citing " You are prequalified for this card offer '' but showed a different product, it was for the Chase Sapphire Preferred credit card. Upon clicking into the details for the offer, once again it confirmed that I was pre-approved for the account and that approval would be dependent on my credit report meeting Chase 's criteria for approval. My research into the Chase credit cards confirmed that this was an excellent product to have and the added bonus of the XXXX points after meeting spending requirements convinced me to accept the offer for this product as well. Upon providing the information requested and submitted the application button, I was excited to see that I was once again approved for the account. I received another notification from XXXX that Chase had pulled my credit report on XX/XX/XXXX, the same day. I was excited that I was a now a cardholder of two excellent credit cards available on the market. I had not even received my first credit card yet, when I was notified by XXXX that Chase had pulled my credit report again On XX/XX/XXXX for the 3rd time without me applying for another credit product. Upon checking my Chase online banking I saw that my newly approved credit card accounts with Chase had been marked with a closed status. I called Chase and spoke to a rep who informed me of the reasons for closure, citing that I did not have enough credit history and that was the reason for closure. I requested for a review for reinstatement because it did not make sense for Chase to advertise to me and to give me a pre-approved offer and then close my accounts after the fact that they had approved me. I told the Chase rep that I had just started banking there, and that I applied for those two credit cards because Chase offered it to me. The rep submitted my accounts for a review for reinstatement and told me I had to wait 10 days for the outcome of the review. A few days later, I received a phone call from a Chase rep from the lending department, and the rep informed me that a review of my account for reinstatement has been denied due to the fact that I had limited credit history. I explained to the rep that it is true that I am new to applying for credit, but I applied because Chase was the one that offered me the products and advertised it to me as a preapproved offer. I explained that Chase already knew about my credit profile and had my credit report when it decided to approve my application, and that it wasn't right for Chase to approve me and then subsequently close my accounts citing reasons that they already knew when they approved my application. The rep explained to me that the Chase lending department that closed my account is not the same department that handles account approvals, and said that it is unfortunate that the department that handles approvals is separate from the department that decided to close my account and that there is nothing they can do and my review for reinstatement was denied. After contemplating this issue for awhile and doing some research online, I was able to find several sources indicating that Chase Bank has been shutting down the credit card accounts of several credit card super users, who are defined as savy credit card users who apply for several credit cards to take advantage of signup offers and bonuses and then close the cards before applying again. I am not a credit card churner, and I am not trying to signup for credit cards to game the system to reap rewards and then close the accounts to try to obtain more bonuses. I am just beginning on my credit journey, and I think Chase has mistakenly flagged my accounts and shut my accounts down for reasons that ridiculous and unreasonable. Chase offered the credit card products to me to begin with, and I was not specifically looking to obtain the products offered prior to Chase 's product advertising. My applications were approved by Chase, and Chase was aware of my credit status when it approved me. To close my account citing reasons that Chase already knew about, is unreasonable and unfair. Not only is the closure of my new accounts unreasonable, it is more detrimental to my credit health than if Chase were to just deny my application in the first place. The unreasonable closure of my newly approved Chase credit cards will forfeit my opportunity to receive the signup bonus offers that were advertised and will prevent me from receiving the bonus offers for 2 years. Not only that, but now I will have 2 newly closed credit accounts that I never had the opportunity to even use that those closed accounts are being remarked as closed by credit grantor, which can negatively impact my future relationships with other lenders. I want Chase to reinstatement my accounts, because I deserve a chance to build my credit history after being targeted by Chase 's enticing advertising and being given a pre-approved offer. I assert that I haven't done anything wrong, and I haven't demonstrated being any more high risk than I was when Chase approved my new credit card accounts. Chase has demonstrated extremely predatory lending practices that have been detrimental to my credit health, and I'm sure this is all a misunderstanding or due to an error, but Chase has yet to rectify the issue.
Company Response: Closed with explanation

Timely Response

2019-03-07

Oliver, WI

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

2019-03-06

Waynesville, MO

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

Mortgage: VA mortgage

Company Response: Closed with explanation

Timely Response

2019-03-06

Old Round Rock, TX

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Company Response: Closed with explanation

Timely Response

2019-03-06

Newark, NJ

Problem when making payments

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

Problem during payment process
Complaint: To my knowledge, I was never late on my Chase credit card with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/2018 which is not true. I have had this credit card since XX/XX/2018 with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount.
Company Response: Closed with explanation

Timely Response

2019-03-06

Opolis, KS

Incorrect information on your report

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

Old information reappears or never goes away
Company Response: Closed with non-monetary relief

Timely Response

2019-03-06

Allegheny, PA

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with non-monetary relief

Timely Response

2019-03-06

NJ

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: On XX/XX/XXXX XXXX XXXX XXXX contacted me indicted that had discovered that a mortgage check we had made out to XXXX XXXX XXXX had been intercepted in the mail, was altered to from {$2400.00} to {$4900.00} and was deposited in a XXXX XXXX account. We contacted our bank, Chase Bank, immediately to inform them of this issue. Chase informed us that they funds had already been distributed and that we would need to file a claim. On XX/XX/XXXX we went to a branch of Chase Bank at XXXX XXXX and XXXX XXXX in XXXX XXXX XXXX and filled out the necessary paper work for a claim. On XX/XX/XXXX XXXX XXXX ( XXXX - XXXX ) contacted us again and informed us they were waiting on the paper work from Chase to process the claim. We contacted Chase again by phone and spoke to one of there agents on that day and they said they did not have our paper work for the claim even though we had done at at one of there branches, after a bit of time they did find the missing information. We received a letter from the the USPS Inspection Service ( XXXX XXXX - XXXX ) dated XX/XX/XXXX informing us they we may have been a victim of Mail/Wire Fraud. On XXXX we called Chase to follow up on our claim and after speaking ti a custumor serve manager they informed us that they had done nothing to date, and were waiting to hear from XXXX XXXX even though we had given then XXXX 's number on XX/XX/XXXX. It is our understanding that Chase has 90 days to resolve the claim but is running out the clock on this so not to have to resolve this issue.
Company Response: Closed with explanation

Timely Response

2019-03-06

Brooklyn, NY

Fraud or scam

Money transfer, virtual currency, or money service: Mobile or digital wallet

Complaint: Hello, I am a CHASE business banking customer, we've been with them for a very long time, close to 10 years. This is the first time I ever had a serious problem with them completely ignoring me as a customer and denying any kind of help! I've used CHASE Quick pay to pay for goods onXX/XX/2019, the person came out to be a scammer and stopped responding to emails/phone calls/text messages from my side. I tried to call CHASE business customer support line the same minute it happened ( it was late night, so I was asked to call in the morning ). I did call in the morning and CHASE rep simply stated that they would never cover anything fraudulent that has to do with quick pay!! Basically they said that they simply allow for ANY kind of transaction to happen even if its fraud/scam as long as I as a customer had contact info of the other ( scamming ) party. They literally don't care. They actually tell you that there is ZERO protection for your funds with quick pay ( XXXX is now a part of chase quick pay )! I will never use CHASE quick pay or XXXX ( one and the same ) and I will make sure to tell everyone that CHASE could care less for their business customers in case of a scam or fraud! As an example, XXXX does care for their customers and would never allow for anything like this to happen!!! lost my respect for CHASE completely ... Extremely unprofessional and ignoring behavior by such a great bank ...
Company Response: Closed with explanation

Timely Response

2019-03-06

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-03-06

Berkeley Lake, GA

Opening an account

Checking or savings account: Checking account

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

Timely Response

2019-03-06

Anaheim, CA

Trouble using the card

Credit card or prepaid card: Gift card

Trouble using the card to spend money in a store or online
Complaint: 1. I ( XXXX XXXX ) purchased XXXXXXXX Egift Card from XXXX. Purchase price : XXXX on XX/XX/17. 2. Tried to use the Egift Card from online on XX/XX/17 but did not go through. So contact XXXX, they said there was no balance in the Egift Card code. 3. Requested XXXX to get refund on XX/XX/17. They declined. ( please find attached ) Until now, I have been trying to get my refund. But XXXX declined. 4. We also contacted Chase credit card. ( Which I used this card to purchase Egift card. Ending with XXXX ). Chase bank declined this fraud claim. Please help with the dispute!!
Company Response: Closed with explanation

Timely Response

2019-03-06

Boston, MA

Fraud or scam

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

Company Response: Closed with explanation

Timely Response

2019-03-06

San Gabriel, CA

Closing an account

Checking or savings account: Savings account

Funds not received from closed account
Complaint: On XX/XX/2019, Chase JP Morgan decided to close my account due to reason they " could not maintain my account due to frequent thefts ''. However, they did not send me a cashier check for my balance of {$78000.00}. I went to a branch and they said my account was restricted and could not issue me a check for my balance. I called the back office and they said the same, saying it would take time for them to " review '' my account before releasing me any of my money. This is my money and I need money for everyday spending. THey can not just keep the money and block my card and not releasing me any cash and tell me to wait forever. THat is illegal
Company Response: Closed with explanation

Timely Response

2019-03-06

Ft Lauderdale, FL

Trouble using your card

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

Can't use card to make purchases
Company Response: Closed with explanation

Timely Response

2019-03-06

Bay Point, CA

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: On XXXX XXXX I received my California XXXX XXXX XXXX XXXX XXXX XXXX XXXX as I am XXXX. I have a Direct Deposit with Chase Bank in which my XXXX funds is electronically wired to my Chase checking account ending # XXXX in the amount of {$4300.00} on XXXX XXXX. I took out {$3300.00} out of the account on XXXX XXXX and there was a balance of {$1000.00}. As of XXXX XXXX my auto car payment of {$440.00} with XXXX XXXX XXXX wasn't paid.I have contacted XXXX XXXX XXXX that I will pay my auto loan with another method payments and my auto loan is paid on XXXX XXXX, but not with Chase Bank account ending # XXXX. So there is {$440.00} to be credited back to my account with Chase bank account ending # XXXX. Also, My Chase Military Bank Account has a overdraft fees of {$160.00} on my account. I am respectfuly giving my consent and authorize Federal Government to investigate my complaint and check my Chase account activities and transactions. I am XXXX Lifetime and Retired and a US XXXX Honorable Military Veteran.
Company Response: Closed with monetary relief

Timely Response

2019-03-06

Washington, DC

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-03-06

Las Vegas, NV

Other features, terms, or problems

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

Problem with balance transfer
Complaint: On XX/XX/19, I initiated a balance transfer of {$1000.00} from my Chase credit card to my XXXX XXXX card. I paid a {$40.00} fee to initiate the transfer. XXXX XXXX received and deposited the transfer on XX/XX/19, but the check from XXXX XXXX XXXX was returned on the same date, due to insufficient funds. I incurred a {$27.00} fee and a major increase on my rate for the next six months. On XX/XX/19, Chase sent me a letter stating that XXXX XXXX had received the balance transfer payment on XX/XX/19 and it had been applied to my account. Once again, the only payment from Chase was on XX/XX/19, and was returned. I wrote Chase a letter on XX/XX/19, explaining that the check was returned and provided copies of my statement showing the returned transaction. I received yet another letter on XX/XX/19 from Chase stating that the payment was applied to my XXXX XXXX ... completely disregarding what I had sent. It is now XX/XX/19 and my Chase account has still not been credited back the {$1000.00} and {$40.00} balance transfer fee.
Company Response: Closed with monetary relief

Timely Response