JPMORGAN CHASE CO.

2019-03-03

Providence, RI

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I have been paid ahead and never late on my payments on my mortgage, yet every month I receive a letter stating I am 2 months behind and a penalty is applied. My mortgage payment started XX/XX/XXXX and below is a list of all the payments made since then. I have made total payments on my mortgage since XX/XX/XXXX of {$9700.00} in 6 months. My monthly mortgage payment is {$1200.00}. Total payments : XXXX was paid in full on XX/XX/XXXX with a {$1300.00} payment Payment of {$630.00} was paid from my XXXX XXXX XXXX account plus {$650.00} on XX/XX/XXXX and {$650.00} on XX/XX/XXXX from XXXX XXXX to pay the XXXX XXXX. Then on XX/XX/XXXX another {$1300.00} was paid all for the XX/XX/XXXX bill to make sure when I signed up for semi-monthly payments there would be no issues. In XXXX, XXXX payments on XX/XX/XXXX and XX/XX/XXXX of {$650.00} each were paid towards the XXXX bill. In XXXX, XXXX payments of {$650.00} were made on XX/XX/XXXX and XX/XX/XXXX towards the XXXX bill. In XXXX, XXXX payments of {$650.00} were made on XXXX and XX/XX/XXXX towards the XXXX bill. In XXXX, XXXX payments of {$650.00} were made on XXXX and XX/XX/XXXX towards the XXXX bill. In XXXX, XXXX payments of {$650.00} were made XXXX and XX/XX/XXXX towards the XXXX bill. A payment of {$650.00} is scheduled to be made on which will apply towards the XXXX bill. Every month a new letter or statement comes in that states I am 2 months behind and a penalty of {$41.00} is applied. I have called JP Morgan several times and have been told that this would be straightened out. By applying late penalties to my mortgage they are destroying my good credit because this gets reported to the 3 agencies.
Company Response: Closed with explanation

Timely Response

2019-03-03

CO

Other features, terms, or problems

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

Problem with rewards from credit card
Complaint: **UDAAP ALERT** I've had the Chase United Mileage Plus Visa for a few years and this card has offered an annual mileage reward as well as other benefits and protections that have been eliminated or reduced without proper notification. My anniversary month is XX/XX/XXXX, so I just officially discovered that the annual reward and price and return protection are no longer provided and also they reduced trip cancellation and coverage. Everything on Chase 's site regarding the United MileagePlus Credit Card benefits sends us back to United. This seems unfair as the information was not provided in advance and there are significantly reduced changes in the rewards while the annual fee remains at {$95.00} annually. If the information was provided, it was not done so in a way that was clear to the average consumer.
Company Response: Closed with explanation

Timely Response

2019-03-03

Cheverly, MD

Unexpected or other fees

Credit card or prepaid card: Payroll card

Complaint: This is the last word that I have for JP Morgan because I no longer work for XXXX. Also I will not talk to any women who work for JP Morgan because a XXXX there in the executive department had her phone recording up so high nothing made sense when she was talking and another lady there in the executive department transferred me anywhere with-in the bank because she did not want to answer my questions, a lady named XXXX XXXX argued with me for a month in XX/XX/2018 about a case that was closed already in XX/XX/2018 and XXXX was before her, and now you request that I speak to a XXXX ( are you crazy )! XXXX is known to be a underhanded-cut thoat company and their employees and that is why they picked J P Morgan Chase Bank. Please see all the attachments -they will show you how much funds XXXX gave you all for me, and the funds I sent personally- which adds up to be well over- balance amount of funding, and that is before I added my {$3000.00} J P Morgan owes me any credit funds $ XXXX-that are left. Have you checked the person who has been changing JP Morgan 's auto machine?
Company Response: Closed with explanation

Timely Response

2019-03-03

Green Bay, WI

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: CONDITIONAL ACCEPTANCE AND COUNTER-OFFER FOR ACCOUNT SETTLEMENT AND CLOSURE Certified # XXXX XXXX : XXXX c/o XXXX. XXXX XXXX XXXX XXXX, WI, XXXX XX/XX/XXXX Trustee in care of XXXX XXXX XXXX MS. XXXX XXXX PRINCIPAL CHIEF EXECUTIVE OFFICER REGISTERED AGENT JPMORGAN CHASE CREDIT CARD XXXX XXXX XXXX XXXX, DE, XXXX This is a legal notice. Please read it carefully as it means what it says, do not ignore it. Respondent- NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL RE : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON CORPORATIONS CONTRACT, FOR DETERMINATION OF MEETING OF THE MINDS, FRAUD ON THE CONTRACT, AND/OR AN UNCONSCIONABLE CONTRACT AND/OR AGREEMENT FOR COMMERCIAL DISCHARGE, ENDING ACCOUNT No. : XXXX. Dear Ms. XXXX : On XX/XX/XXXX, you were sent Notice of Adequate of Due Performance. This notice was sent by Certified Mail # XXXX. You did not respond accordingly. As soon as you provide the information requested, ( information which I believe I am entitled to under state and federal law ), in this conditional acceptance and counter-offer, I will gladly and timely fulfill my obligation. I am conditionally accepting your offer for the unverified items contained in the Account Ending # XXXX, upon proof of claim that : I, XXXX : XXXX, the undersigned decedent and authorized representative and trustee of the estate named person known as XXXX XXXX XXXX. Do hereby accept and agree to pay all debts, charges and obligations associated with the following account : XXXX upon proof of claim that the following conditions are met. 1. I demand proof of claim, that you provide a furnish a copy of Form 1099-A or an acceptable substitute statement also provide me with your federal tax identification number [ W-9 ] and your Internal Revenue Service at my above referenced address within 30 days. Failure to do so may result in a fine from the Internal Revenue Service division of the UNITED STATES Department OF THE TREASURY. 2. [ Per UCC 3-501 ( b ) ( 2 ) ], I demand proof of claim in that you : ( i ) EXHIBIT THE INSTRUMENT THAT CREATED THE LIABILITY by providing a certified copy of the contract/compact/agreement/negotiable instrument which creates or created the liability for XXXX XXXX XXXX to pay or perform, per your claim. If it exists, provide a certified copy of the valid, two-party contract containing both parties signatures, which COMPELS me, a living Man to give you any real monies in the form of Silver or Gold for the alleged debt. Further, as Secured Party AND Creditor, I aver that I am acting in PRIVATE and IN HONOR. In order to REMAIN IN HONOR and NOT DISHONOR you or the Law, I ask for clarity on this question : Are you ( or your employer or any other party ) demanding/asking/requesting/requiring that I, a living Man give you property belonging to another - in this case, the FEDERAL RESERVE BANK ? If this is, in fact, the case, please PRINT YOUR NAME HERE : _________________________________________________________________________________________ and then SIGN YOUR NAME HERE : _________________________________________________________________________. 3. Per [ UCC 3-501 ( b ) ( 2 ) ], I demand proof of claim in that you : ( ii ) GIVE REASONABLE IDENTIFICATION OF THE PERSON MAKING PRESENTMENT AND PROVIDE EVIDENCE OF YOUR AUTHORITY TO MAKE IT, IF MADE FOR ANOTHER by identifying your company/corporation/agency by full name and place and date of birth ( such as the date of incorporation as well as the place/location of incorporation and/or the law used to create it. Please kindly provide a certified copy of proof of the authority that makes you the HOLDER IN DUE COURSE, to include the name of the Original Creditor, should this presentment be made on behalf of or for another. 4. Per [ UCC 3-501 ], should you fail to produce proof of necessary endorsement, I, without dishonoring your presentment, may : 1. ( i ) Return your presentment or 2. ( ii ) Refuse to pay or accept your claim/presentment for failure of the claim/presentment to comply with the terms of the instrument or 3. ( iii ) Refuse to pay or accept your claim/presentment for failure of the presentment to comply with this agreement between us parties or 4. ( iv ) Refuse to pay or accept your claim/presentment to comply with the laws of Wisconsin 5. PROOF OF CLAIM that Respondent show under the FCRA ANY copy of the original creditors documentation on file ( a consumer contract or application with my signature on it ) that your company will verify, and that this information is mine and is correct and has not been altered in any way shape or form as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). 6. PROOF OF CLAIM from your department 's documentation showing method of verification as required under Section 611 ( a ) ( 7 ). Take additional notice the legal definition of verification is to confirm or substantiate by oath or affidavit, a formal declaration made in the presence of an authorized officer, such as a notary public. All other forms of verification and documentation will be null and voided. 7. PROOF OF CLAIM that JPMORGAN CHASE CREDIT CARD as an artificial entity created under the laws of the State of Wisconsin, doing business in the State of Wisconsin by and through its board of directors, employees and agents are not bound to support Article I, X, as a state created entity in that " No state shall. make anything but gold and silver coin as legal tender in payment.. Please understand - this is not a refusal to pay. I simply require the above-requested information for my inspection and for my records, to ensure that I am paying the right party with the right standing to collect the alleged debt. Im SURE you understand. Now lets be clear : FAILURE TO COMPLY WITH THE REQUIREMENTS OF MY CONDITIONAL ACCEPTANCE/COUNTER-OFFER UNEQUIVOCALLY INVALIDATES YOUR CLAIMS/PRESENTMENTS. Please take notice that by the XX/XX/XXXX day past your receipt of this CONDITIONAL ACCEPTANCE/COUNTER-OFFER, you MUST RESPOND to my requests via affidavit, deposition, oath, and/or sworn statement. Should you fail in this, I will consider this matter settled and the account closed, AND THAT your CLAIM/PRESENTMENT is VOID, XXXX XXXX. Should you choose to ignore or simply not respond/answer this CONDITIONAL ACCEPTANCE/COUNTER-OFFER, then you have most certainly agreed that your CLAIM/PRESENTMENT is both VOID and INVALID, has no standing in law, can not be enforced in any court of law/competent jurisdiction, and that XXXX XXXX XXXX is under no obligation to believe nor to deem the CLAIM/PRESENTMENT as valid. Please take notice that, at my own discretion, THIS CONDITIONAL ACCEPTANCE/COUNTER-OFFER SHALL BE ENTERED INTO THE OFFICIAL RECORD OF ANY AND ALL LITIGATION, PROCEEDINGS, LEGAL OR LAWFUL MATTERS ARISING FROM THIS CONTRACT, AND SHALL BE SUBMITTED AS EVIDENCE IN A COURT OF LAW. Per 15 U.S. Code 1692g - Validation of debts, please provide : a ) amount of the Debt b ) the name of the creditor to whom the debt is owed c ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector d ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 1. As the alleged creditor for all accounts listed Im demanding that all original contracts, applications, master promissory notes, drafts, checks, negotiable instruments whether secured or unsecured backed by offer, acceptance and consideration to which both parties agrees that a contract between the parties exists be returned to me within ( 10 ) business days. As the alleged creditor ( JPMORGAN CHASE CREDIT CARD ) agrees that all of the following negotiable instruments listed above were taken in good faith and as a holder in due course for value and consideration given to XXXX XXXX XXXX and that there exist NO claims to recoup INTEREST, VALUE, PROFITS, SHARES OR PROCEEDS from any of the instruments listed on page X of X in this document. 2. As an alleged creditor ( JPMORGAN CHASE CREDIT CARD ) will present all material facts and evidence to substantiate to the Trustee and all Credit Reporting Agencies that a unconditional promise or order and instructions given by the maker exists and will be presented as evidence upon demand or at a definite time once requested by trustee or any credit reporting agency with authorized consent to request for verification from trustee and that those instruments have not been securitized from liquid assets and pooled into an asset backed security and sold to investors or unverified credit-debt collectors and that you have not transferred any of these securities to a 3rd party or any subsidiaries that your company owns directly or is indirectly associated with. You have three ( 3 ) days from receipt of this Conditional Acceptance to respond on a point-by-point basis, via sworn affidavit, under your full commercial liability, signing under penalty of perjury that the facts contained therein are true, correct, complete and not misleading. Mere declarations are an insufficient response. If an extension of time is needed to properly answer, please request it in writing. Failure to respond will be deemed agreement with the facts stated in the attached Affidavit and inability to prove your claim, thereby indicating your agreement to the facts stipulated herein enclosed commercial affidavit. This letter constitutes notice to the recipient. This agreement shall have the effect of an instrument under seal. Respectfully Submitted and Patiently Waiting, XXXX : XXXX, XXXX XXXX On the land of the state of the Union Wisconsin State /XXXX County NON-DOMESTIC CURRENT Domicil Location : XXXX XXXX XXXX XXXX XXXX, wisconsin state republic near [ XXXX ] United States of America Without Recourse Without Prejudice per UCC XXXX All Rights Reserved All Benefits Accepted Under Protest Cc : Secretary of the Treasury , XXXX XXXX
Company Response: Closed with non-monetary relief

Timely Response

2019-03-03

Plano, TX

Problem when making payments

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

Problem during payment process
Company Response: Closed with explanation

Timely Response

2019-03-03

VA

Advertising

Credit card or prepaid card: General-purpose prepaid card

Changes in terms from what was offered or advertised
Complaint: We were misled by the CHASE credit card 's 0 % APR cash offer that we did utilize twice in XX/XX/XXXX and in XX/XX/XXXX we paid it all back early, because of the scam about charging auto-matic purchase interest even when paying off all of our charges off every month, as usual. All 4 statements- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are attached, showing the history. Also attached is the XX/XX/XXXX letter to Chase regarding the mistake that they had made on our XX/XX/XXXX that appeared to cause a pitfall " every month '' as they again charged us purchase interest, ( on XX/XX/XXXX for {$37.00} and XX/XX/XXXX for {$22.00} ) even with ALL PURCHASES being paid off on or before the due date, as we always do. We'd like our {$60.00} for these amounts, returned immediately to our Chase card that ends in - XXXX. We never would have accepted their offer for only a 3 % transaction fee if Chase had disclosed that all of our re-occurring charges and other purchases, on this visa that ends in - XXXX. {$170.00} is the amount that we were charged on our XX/XX/XXXX statement for the {$5900.00} cash advance, we are not going to demand that CHASE return that, but they should. As anyone can see, we surely did not get to enjoy their offer for 0 % APR on the cash advance part of the statement for the year that they offered! We had to pay it off early to avoid that monthly " scam '' they run on the purchases! You'd have to pay off every purchase, while it's only a " pending authorization '' and before it posts to the statement to avoid being charged " purchase interest ''!
Company Response: Closed with explanation

Timely Response

2019-03-03

Arlington, VA

Other features, terms, or problems

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

Add-on products and services
Complaint: My wife is an authorized user on my Chase Sapphire Reserve credit card. One of the benefits this card advertises when I opened this account, and that it has maintained, ( see attached file ) is 'Trip Delay Reimbursement '. Provided certain conditions are met ( an overnight or 6+ hr delay, a cap of {$500.00} in expenses ) the benefit states the card will cover reasonable hotel, transportation and food costs for flight or other common carrier delays. In XXXX, my wife went on vacation to XXXX, a trip that was paid for using the CSR card, on XXXX XXXX. On XX/XX/XXXX, her flight from XXXX to XXXX was delayed, due to a delayed copilot, causing her to be unable to make her connection in XXXX to XXXX. She was rebooked onto a flight for the following evening, and contacted Chase via phone to inquire as to benefits for her situation - and was informed by a representative that the Trip Delay Reimbursement would apply for hotel and other expenses for that evening and the day of the XXXX. She used the card to pay for a hotel stay, lunch and dinner, and transportation to/from the airport, for a total of {$360.00}. In my mind, this should be a straightforward and very typical use of this benefit. After we returned from the trip, we filed a claim for this benefit through the process set out by Chase, using a vendor name eClaims Line. eClaims Line has been incredibly difficult to work with, and the process has only moved forward when my wife or I contact them directly. After uploading several rounds of documentation, we have yet to receive the benefit, and our last conversation strongly suggested the claim will be rejected by incredibly restrictive interpretation of the legalese fine print of the benefit. I find this experience to have been highly unfair, deceptive and abusive on the part of Chase, in multiple ways : ( 1 ) Before spending any of this money, my wife called Chase to confirm the benefit, which a representative did, and Chase is now walking back that commitment. ( 2 ) Any reasonable interpretation of Chase 's summary of the benefit is that her expenses should have been covered. Chase 's website states that the benefit 'Provides reimbursement for expenses such as meals and lodging if your common carrier ( airline, bus, cruise ship, train ) travel is delayed more than 6 hours or requires an overnight stay '. The trip met the other listed criteria of being away from our city of residence, a trip less than a year, the only time we're claiming this benefit for this trip, etc. The only exclusion it makes is to not cover 'Any covered hazard delay that was made public or known to you prior to the departure for the covered trip. Prepaid expenses are not covered. ' The length of the delay at the XXXX airport was not communicated to my wife until after the initial take-off time had passed ; this was not a rescheduled flight. The expenses could not have been pre-paid as they had only occurred as a result of a unforeseen and unplanned delay. ( 3 ) Reading the fine print & legalese in the card 's Guide to Benefits, the following are explicitly covered : 'A Covered Hazard includes equipment failure, inclement weather, labor strikes, and hijacking or skyjacking. ' The following is explicitly not covered : 'You are not covered for any Covered Hazard delay that was made public or known to you prior to the departure for the Covered Trip. Also, prepaid expenses are not covered '. The airline has not provided us with a reason for the delay of the co-pilot, which could have been mechanical or weather related on their inbound flight, but nowhere is this type of delay excluded. More importantly, these terms are much more restrictive than those described in plain English on the website and are a clear 'bait & switch ' of advertising something of much higher than value than what's actually available to customers. We have shared extensive documentation with eClaims Line for receipts, flight information, etc. and are happy to furnish those again if would be helpful in resolving this complaint, or provide any additional information. A fair resolution to this issue would be the prompt payment of the {$360.00} claim via check or statement credit. More broadly, I encourage the CFPB to look further into the spurious nature of credit card benefits at Chase. These appear highly valuable to customers when opening a product, but attempts to use them, fully in good faith, involve incredibly hurdles and slim chances of success. Chase 's summary of the benefit, which is also an attached file : XXXX XXXX XXXX The Guide to Benefit is attached as a file to this complaint.
Company Response: Closed with explanation

Timely Response

2019-03-03

Oxford, GA

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: The day after the due date, the XXXX, they begun harrassment calls every 3 hours. This continues 7 days a week. Ive never been 30 days late. They claim i am late at 10 days after due date. However the harrassment begins the very next day, day after the due date. I have logged all calls and plan to consult an attorney to sue in civil court.
Company Response: Closed with explanation

Timely Response

2019-03-02

Foothill Ranch, CA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: On XX/XX/19 someone used my debit card number to spend {$100.00} at XXXX 25min away from where I live. I immediately received a alert limit email notification which I set to be {$75.00}. I reported it to Chase immediately. They issued me the money immediately and told me they would investigate. A couple weeks later I notice that Chase took the money back out from my account. I called and they said they denied my fraud claim and stated I need to provide more evidence. I contacted my local sheriffs department and filed a police report so they can get ahold of video surveillance to prove it wasnt me. The police officer told me to contact Chase and to submit the case number and that they know what to do since they always deal with this stuff. I contact Chase again and now they are telling me to have the Sheriffs department fax the police report to them. I contact the sheriffs department and they stated they usually dont do that type of stuff. Chase is making extremely difficult for me to get my money back and for them to accept fraud claim. I thought I had fraud protection, but its not working for me. I dont feel safe with Chase having all money ( they are my primary checking account and its where all my direct deposits go to ). Luckily it was only {$100.00} but its not the amount of money that matters, its the principal. It will be weeks until I get my money back. Extremely unhappy with how Chase has handled this and how they are making so difficult for me to get my money back. I will be closing my account with them soon once this hopefully all delt with
Company Response: Closed with monetary relief

Timely Response

2019-03-02

Palos Park, IL

Closing an account

Checking or savings account: Checking account

Company closed your account
Complaint: On XX/XX/2019 I opened a checking and savings account at my local chase bank. The lady that assisted me Told me that there was a possibility I could get denied after she submitted my application. I was accepted when she submitted the application and deposited {$250.00} into my new checking account and {$50.00} into my savings account. I left the bank happy to have opened a new bank account. Today which is XX/XX/2019 I tried logging into my bank account and was denied. I called the number offered and was told that my account was being closed due to unspecified reasons. I spoke to multiple people trying to figure out why this happened and if it could be reversed and to no avail they said it was irreversible. My problem is that I was never made aware of the possibility of still getting denied after I was approved. I would have never deposited the amount i did had I known this was a possibility. Now my money is unavailable and to me which is a major inconvenience as I have bills to pay. This was a very unprofessional way for the company to handle this situation.
Company Response: Closed with explanation

Timely Response

2019-03-02

Scottsdale, AZ

Closing your account

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

Company closed your account
Complaint: I was approved for a Chase XXXX XXXX credit card with an {$8500.00} limit. The promotion was to spend {$4000.00} in the first three months to receive the advertised benefits. I received the card and spent approximately {$6000.00} in the first couple weeks. I was consistently transferred to the fraud department for most purchases. After two weeks my card account was closed without logical explanation. I did not even get to one statement cycle to make a payment on the account. I feel the company advertised falsely to get me to sign up for their card and advertised aggressive spending for the first three months to reach the benefits, and once I did what they asked, they closed my account.
Company Response: Closed with non-monetary relief

Timely Response

2019-03-02

Discovery Bay, 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
Complaint: My Dispute is for not receiving services listed below : -- One Night at the Hotel in XXXX {$730.00} for Friday XX/XX/2018. -- Transportation to the Hotel {$170.00} for Friday XX/XX/2018. -- Private City Tour of XXXX {$220.00} for Friday XX/XX/2018. -- XXXX XXXX Private Tour {$150.00} for Friday XX/XX/2018. Grand Total of {$1200.00} Reason for not receiving the services was that XXXX cancelled the flight from XXXX to XXXX for mechanical reasons. I started the process for the of the refund thru XXXX XXXX, I was told by XXXX XXXX that I needed to request the refund thru XXXX, which I did, I requested the refund and was told by XXXX that since i didn't purchase the ticket directly thru them but it was done thru a 3rd party I needed to go thru XXXX XXXX, I went back to them and was told that they will not refund me. I then started a dispute with my credit card Chase Visa for the charges, the Credit Card Dispute Department closed my dispute saying that the vendor stated that I did receive the services which is not true but my Credit card closed the dispute after several attempts by me to reopen the dispute.
Company Response: Closed with monetary relief

Timely Response

2019-03-02

Castaic, CA

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-03-02

Lk Buena Vis, FL

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: On XX/XX/2019, I had noticed my Chase Visa debit card was not working, I tried my other one and it didnt work either. I checked my app and I had plenty of money to purchase the diapers and other supplies for my daughter. That same day, I had went to a Chase branch at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, where I decided to withdraw {$8000.00} so I could have cash ready for every day purchases due to the unknown debit card issue. That same visit I brought a check for {$360000.00} to put into a business account I intended to open that day with Chase Bank, when I tried to withdraw the money from my personal account the teller had a problem but had no information as to why. The branch manager worked with me and we found out that Chase Bank closed my account, I also had a pending ACH for {$25000.00} going to my personal account which had not hit the account yet. That day I had also noted that my debit card ending in XXXX was used multiple times in Texas fraudulently. I called Chase Bank to report the charges, the agent told me I would receive a credit for the charges while they investigate the claims, However Chase Bank did not credit my account accordingly.
Company Response: Closed with monetary relief

Timely Response

2019-03-02

KS

Credit monitoring or identity theft protection services

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

Billing dispute for services
Complaint: Im submitting this complaint with CHASE because my credit score was negatively impacted due to CHASE reporting late payments against me. My credit report shows late payments were reported during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was a loyal customer to CHASE ever since I received my Credit Card in XX/XX/XXXX and I always made my payments on time. I had the ability to pay my bill to CHASE for the months reported as late and I scheduled my payments to be withdrawn from my bank account on-time for those bills. CHASE either did not properly send a request for payment from my bank, or did and something prevented the money transfer to CHASE. I was never properly informed by CHASE about any impending or existing missed payments on my account for the months reported as late. I also never received any indication from my bank account of a returned item due to not having proper funds in my account to pay my bill to CHASE. I only found my original payments were not posted when I logged into my online CHASE account. I immediately paid my bill with my debit card and confirmed with my bank the following day to ensure the payments had successfully been transferred to CHASE. I'm only bringing this issue to the attention of others now because I did not know CHASE was reporting any of these payments as late to credit reporting agencies until I reviewed my credit report earlier this year. I have been negatively impacted when trying to apply for other forms of credit for almost 6 years due to late payments on my record caused by CHASE. Since these late payments are not the result of my wrongdoing, and due to the circumstances listed above, I respectfully request for CHASE to remove the late payments during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please consider my track record of on-time payments as proof I take my financial obligations seriously. If you have any questions, or require further information from me, please feel free to contact me at your convenience.
Company Response: Closed with explanation

Timely Response

2019-03-02

Bremen, GA

Incorrect information on your report

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

Information belongs to someone else
Complaint: {$98.00} charge for phone use. Leased an apartment, set up utilities, changed apartments in the same complex before moving in. The lessee of the first apartment used my utilities to make calls to another country and I wasnt informed of the purchases. The charge went to collections and I paid the balance to stop effecting my credit. Would like it removed.
Company Response: Closed with non-monetary relief

Timely Response

2019-03-02

NJ

Fraud or scam

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

Complaint: XX/XX/2019 i deposited check from XXXX XXXX ( XXXX ) using XXXX XXXX. Name on check was XXXX XXXX and XXXX, XXXX ( check number XXXX ). Amount {$1400.00}. was for purchase on goods from craisglist. XXXX XXXX cancels transactions and having the suspicion this isn't clean money, i refunded the entire amount to two quickpay accounts ( XXXX and XXXX ) Check turns out to be counterfeit.
Company Response: Closed with explanation

Timely Response

2019-03-02

Nyc, NY

Other features, terms, or problems

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

Add-on products and services
Complaint: A flight to XXXX via XXXX XXXX that my wife and I were on was cancelled mid flight and returned to XXXX. We were put on another plane, took off and, again, returned. We were rebooked on a flight the next day thus incurring costs for transportation and meals. These costs were to be covered by the Chase Sapphire Preferred card which we had used to make and pay for the reservation. The costs, with receipts totaling {$380.00} were submitted. We were then asked to provide additional information, which we did to the best of our ability. They then asked for more information, some of which had already been submitted. We submitted further information. We were then asked again for further information and responded to the best of our ability. They declared they had not gotten sufficient information and I submitted a complaint like this XXXX to CFPB which became identified as XXXX which you closed because you felt that the provider had fulfilled its requirements and, apparently, that I had not. This is an incorrect summary. Chase continues to ask for the same information which we have, each time, provided in different forms, none of which has been acceptable to them. The facts are simple : a flight was canceled ( a matter of airline record ) ; we were rescheduled the next day and did fly that flight ; we encountered costs during the layover that are covered by the card and submitted receipts as requested. I ask that the CFPB reopen the question and pursue how this issue can be brought to mutual satisfaction. Thank you.
Company Response: Closed with monetary relief

Timely Response

2019-03-02

Key Biscayne, FL

Incorrect information on your report

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

Old information reappears or never goes away
Company Response: Closed with explanation

Timely Response

2019-03-02

Cedar Rapids, IA

Incorrect information on your report

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

Account status incorrect
Complaint: I opened a XXXX Rewards Business card with Chase in XX/XX/2017. When I had to shut the business down a few months later, I asked them if they could convert the account to a personal account, but they told me they could not. However, when the business card was not paid because the business no longer existed, Chase put the debt on my personal credit report, severely damaging my score.
Company Response: Closed with explanation

Timely Response

2019-03-02

Federal Way, WA

Incorrect information on your report

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

Account status incorrect
Complaint: My credit is showing a Chase Card Credit Card with a Current Status and Balance of {$0.00}. The Amount Past Due is {$0.00}. It's a Revolving Account Type. It says Remarks None. It was opened XX/XX/XXXX and reported XX/XX/XXXX. I got the credit report from XXXX and the credit report is from XXXX.
Company Response: Closed with non-monetary relief

Timely Response

2019-03-01

Houston, TX

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: In 2016, I was charged over {$1700.00} in overdraft charges after chase bank removed my access to mobile bank deposits. I have recorded conversations with bank employees, recorded with their consent, explicitly stating that the feature was removed due to low funding levels in my account, though no official guidelines were ever presented to me, despite multiple requests. My complaint is split into two parts : 1. ) Chase Bank utilized predatory tactics to remove mobile deposit from consumers who would most benefit from the feature. I was forced to incur heavy overdraft fees, many of which were returned when bank employees agreed that fees were caused exclusively due to the removal of that feature. After multiple instances when the bank agreed with my complaints and reversed fees, they continued agreeing but no longer had the capacity to reverse the charges. In one instance, when the city of XXXX was completely flooded and no street access existed to banks or atms, I was still charged a fee, even when I showed the ability to make a deposit as soon as the streets became accessible. Instances such as this occurred on numerous occasions, and each time employees told me that my feature had been removed due to a history of overdrafts, which was entirely created as a result of the removal, itself. This policy of removing the feature for customers with low or negative balances puts us into a purposeful loop of overdraft fees, which bank employees acknowledged as a known problem. 2. ) I asked on numerous occasions to be given written or formal guidelines about my rights, as a consumer to utilize the mobile deposit feature. While in my recordings bank employees give vastly different answers about the terms of use, none could provide me with clear written rules. Who qualifies for that feature? When will mine be turned on? Why was the feature removed as a result of overdraft fees? All indicated that the feature was removed due to low funds or overdrafts, but none could explain why removal came as a consequence of those facts. Several employees agreed that this was an unfair practice and indicated that numerous customers called in with similar complaints over time. The second portion of my complaint is thus about the bank 's lack of transparency about customer terms of use. My recorded conversations with employees are from XX/XX/16, XX/XX/16, XX/XX/2016, XX/XX/16, XX/XX/16, XX/XX/16, and XX/XX/16. In total, throughout that period I was assessed {$1700.00} in fees, though {$500.00} were refunded by employees who agreed that I had done all I could to avoid them.
Company Response: Closed with explanation

Timely Response

2019-03-01

Lannon, WI

Other features, terms, or problems

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

Other problem
Company Response: Closed with explanation

Timely Response

2019-03-01

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-03-01

Las Vegas, NV

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