JPMORGAN CHASE CO.

2019-02-27

Finley, WA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-02-27

Midlothian, VA

Fees or interest

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

Charged too much interest
Complaint: I was notified in XX/XX/2018 that the bank was increasing my interest rate from 14.24 % to 16.99 % arbitrarily and if I did not wish to continue using my card and pay the higher interest rate I would have to close the account which I did on XX/XX/2018 keeping my rate at 14.24 % and I received a letter dated XX/XX/2018 confirming this. Preparing my taxes this year I noticed the bank had been increasing my interest rates which now stands at 15.24 %. Their customer service rep states I didn't close my account until XX/XX/2018 not notifying them timely therefore they could charge higher interest now.
Company Response: Closed with explanation

Timely Response

2019-02-27

NV

Incorrect information on your report

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

Information belongs to someone else
Complaint: XXXX client, XXXX is a victim of identity theft. He was notified by your Chase/XXXX of a fraudulent application submitted with his information without his consent. An inquiry was made into his credit reports with XXXX, XXXX and XXXX XX/XX/XXXX related to that application. A formal dispute of that application was sent to Chase/XXXX XX/XX/XXXX, as of this date no reply from ChaseXXXX has been received. This is a violation of the FCRA and my clients consumer rights.
Company Response: Closed with explanation

Timely Response

2019-02-27

Pgh, PA

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

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

Their investigation did not fix an error on your report
Company Response: Closed with non-monetary relief

Timely Response

2019-02-27

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

2019-02-27

Greenwood, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: On XXXX XXXX my chase Bank account was debited {$27.00} for a charge that I sent back the merchandise to the merchant on : Your item was delivered to an individual at the address at XXXX pm on XX/XX/2018 in XXXX, GA XXXX. Tracking Number : XXXX. So, I sent back the XXXX to the XXXX XXXX. Now I am charged {$27.00} for the merchandise. My Bank Chase refuses to dispute the case further. So, I have to take the loss of {$27.00}!
Company Response: Closed with explanation

Timely Response

2019-02-27

Queens, NY

Incorrect information on your report

Mortgage: Conventional home mortgage

Complaint: Loan XXXX I was behind on my mortgage for 1 month but I made arrangements to pay back the monies owed to escrow in 5 extra monthly installments in addition to my mortgage. I have made three of these extra payments but my credit report score has dropped about 80 to 100 points as of XX/XX/2019. If I am now current and paying back why was me credit score effected so much? O am current with this first lien mortgage and current on all my other credit accounts.
Company Response: Closed with explanation

Timely Response

2019-02-27

Providence, RI

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
Complaint: fell behind and having financial hardships- company wont work with me on lower interest and possible settlement offer
Company Response: Closed with explanation

Timely Response

2019-02-27

Lock Springs, MO

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-02-27

Rncho Domingz, CA

Fees or interest

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

Charged too much interest
Complaint: I am a member of the XXXX XXXX XXXX XXXX in the XXXX XXXX XXXX, at present ). I opened a Chase XXXX credit card account while I was a cadet ( not XXXX XXXX ; not an XXXX or enlisted ; this is XX/XX/XXXX XXXX at the XXXX XXXX XXXX XXXX. After I graduated and commissioned as an XXXX and became XXXX XXXX I requested SCRA ( Servicemembers ' Civil Relief Act ) benefits be applied to my account, namely the ceiling on interest rate charged. I started this process in XXXX through the Chase online and phone systems to no avail. After getting help from some XXXX XXXX lawyers, I subsequently sent a formal package and request via certified mail with all requested proof in XX/XX/XXXX. My request was still denied. The reason given for denial is that Chase is claiming I was XXXX XXXX while a cadet/student at the XXXX XXXX XXXX. The SCRA report shows " XXXX XXXX XXXX '' from XXXX to XXXX and then " XXXX XXXX XXXX XXXX '' from XXXX forward. I did not commission into full XXXX XXXX as a XXXX XXXX until graduation from the XXXX XXXX XXXX after I had opened my credit card account with Chase. The XXXX XXXX XXXX I presented this situation to concurred with me and recommended that I try sending a formal package to Chase and then submit complaints to the various consumer protection bureaus if that didn't work.
Company Response: Closed with monetary relief

Timely Response

2019-02-27

Miami, FL

Managing an account

Checking or savings account: Other banking product or service

Banking errors
Company Response: Closed with explanation

Timely Response

2019-02-27

City Industry, CA

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

2019-02-27

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-02-27

Brighton, NY

Fraud or scam

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

Company Response: Closed with explanation

Timely Response

2019-02-27

Oroville, CA

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Company Response: Closed with explanation

Timely Response

2019-02-26

Houston, TX

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-02-26

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-02-26

KS

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: A charge from XXXX XX/XX/XXXX was charged to a deceased person 's account. This individual has been deceased for over seven months. Her daughter ( me ) handling her affairs was unaware of the card 's existence until the statement was received in the mail. Upon calling XXXX I was unable to provide them with necessary information to locate the account nor reverse the charge. I called the credit card company and they refused to reverse the charge because the card was " closed after the charge occurred. '' Their estate department claimed they would proceed in trying to collect on this charge. While only {$120.00}, I find this ridiculous and appalling. How can you charge a dead person? I hope you can help, because the hour I spent trying to talk sense into them did not work. This all occurred today, XX/XX/2019 around XXXX. I spoke with XXXX initially who referred me to the estate team. XXXX in estate services. XXXX XXXX, supposedly a supervisor for XXXX, who gave me an id # XXXX who said that they would reverse the charge and transferred me to their dispute department. XXXX in XXXX, TX in the dispute department who said they would not reverse the charge, dispute the charge, and initially tried to say the account wasn't closed, and then said that the account was closed after the charge occurred therefore making the charge valid. XXXX refused to transfer me back to XXXX and stated that the id # given meant nothing. XXXX refused to transfer me to a supervisor. All names and information given about the people is all they would tell me. I did call back and speak to a random operator in the call center who verified that XXXX meant nothing to them and could not get me to XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2019-02-26

Baltimore, MD

Other features, terms, or problems

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

Problem with rewards from credit card
Company Response: Closed with non-monetary relief

Timely Response

2019-02-26

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-02-26

Phoenix, AZ

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-02-26

Elmhurst, NY

Unauthorized transactions or other transaction problem

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

Company Response: Closed with monetary relief

Timely Response

2019-02-26

Melrose Park, IL

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-02-26

Tempe, AZ

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 explanation

Timely Response

2019-02-26

Euclid, OH

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