JPMorgan Chase Credit Card

We responded to our customer’s concerns during our conversation on October 17, 2017. To protect our customer’s privacy, we are not providing you with any details of our conversation. Our customer may use their discretion in sharing our response directly with you.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Chase reviewed my complaint and got in touch within a short period of time to offer me the reward miles that I had expected. It's unfortunate that I had to go to these lengths to get satisfactory results, but Chase was prompt and courteous in responding once I registered this complaint. 
Regards,
[redacted]

We responded to our customer’s concerns in our letter dated February 9, 2018. To protect our customer’s privacy, we are not providing you with the details of our resolution. Our customer may use their discretion in sharing our response directly with you.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
The  cc company told me they did not approve my application as I opened too many cc in the last two years (namely 6)First of all I do not think 6 cc is a lot and anyway I closed some store cc I was not using. I have a perfect score as I pay all my bills in time and in full. There was no reason for them to deny my application.
Regards,

Tell us why here...This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on December 20, 2016. They should receive our correspondence within 5 to 7 business days. In order to...

protect consumer privacy, they have been advised they may share the response directly with you.

Tell us why here...This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on January 6, 2017. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

We previously responded to the customer's concerns. Since the customer requested no contact with us, we closed this case on August 4, 2017, with no further contact to the customer, as requested.

We responded to our customer’s concerns during our conversation on January 26, 2018. To protect our customer’s privacy, we are not providing you with any details of our conversation. Our customer may use their discretion in sharing our response directly with you.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below. is this some kind of a joke?  Did you read the response that was sent to me??  Its grammatically incorrect therefore I don't even understand the message they are trying to portray.  Did the Revdex.com even review the case?  Or does the Revdex.com even care that this is happening?  It's seems not since no humans at Revdex.com want to speak to me to understand the scenario.  this is unsatisfactory  
Regards,
[redacted]

We responded to our customer’s concerns in our letter dated March 22, 2018. To protect our customer’s privacy, we are not providing you with the details of our resolution. Our customer may use their discretion in sharing our response directly with you.

We responded to our customer’s concerns during our conversation on October 11, 2017. To protect our customer’s privacy, we are not providing you with any details of our conversation. Our customer may use their discretion in sharing our response directly with you.

Tell us why here...This e-mail is to acknowledge receipt of
your correspondence. Chase takes consumer feedback very seriously. We have
fully reviewed this matter and responded to the consumer on Oct. 30, 2015. They
should receive our correspondence within 5 to 7 business days.  In...

order
to protect consumer privacy, they have been advised they may share the response
directly with you.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

 Problem:10/10/2015[redacted]502 Traverse Dr, Costa Mesa CA 926267149552444Attention: Chase Bank Collette Cashbox #0619021 Beach Blvd Huntington Beach CA 92648Dear Chase Bank.,This letter is your formal notice to ceaseyour unauthorized hard inquiries into mycredit report and, a formal demand thatyou immediately contact the creditreporting agencies and credit bureaus,where your organization has madeinquiries into my credit history, to haveyour illegal inquiries removed. Beadvised that I will be checking myreports to ensure you have had thefollowing unauthorized inquiriesremoved:Made by: Chase Bank Collette Cashbox #06Made on: 10/10/2015Made with:Experian,Equifax,TransUnionI have not signed any documentsauthorizing your organization to view mycredit history therefore, your inquiry intomy credit report violates the Fair CreditReporting Act, Section 168b(c):Transactions Not Initiated by Consumer.If you are in possession of anydocument that you believe authorizesyou or your organization to makeinquires into my credit report, Irespectfully request a copy of thisdocument be sent to my address listedabove so that I may verify its validity.Given the amount of identity theft, Imsure youll agree that verifying yourinformation is in your best interest.Finally, assuming you do not possesinquiry authorization or authorizationinto my home property address and loaninformation, I request that, afterremoving your unauthorized and illegalinquires from my credit profiles, you alsoremove all of my personal informationfrom your illegal records and send meconfirmation that you have compliedwith my requests.Sincerely,[redacted]Once again please have this Illegal business remove my personal information from there Illegal records I have forward there Illegal run of my credit to my attorney the JDL and ADL.TranslateDesired Resolution / OutcomeDesired Resolution:Other (requires explanation)selectDesired Outcome:Once again please have this Illegal business remove my personal information from there Illegal records I have forward there Illegal run of my credit to my attorney the JDL and ADL.Translate

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below. I have not received a response from the business that addresses the issue adequately. In addition, they have lied about the situation. I was told by their representatives that I had to cancel the card and I was not offered an alternate card. They lied about this. What a horrible company - no moral scruples.
Regards,
[redacted]

Tell us why here...This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on February 10, 2017. They should receive our correspondence within 5 to 7 business days. In order to...

protect consumer privacy, they have been advised they may share the response directly with you.

Tell us why here...This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on October 14, 2016. They should receive our correspondence within 5 to 7 business days. In order to protect...

consumer privacy, they have been advised they may share the response directly with you.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
The business responded by crediting my account $0.35 as a "courtesy" and applying my entire payment of $65.00 to the balance with the lowest  APR of 0%. Leaving me with a balance of $39.93 with an APR of 22.99% and charging me $0.78 interest even though my initial charge was only $39.56. In a letter from Erica Johnson of Chase she noted that in the Cardmember Agreement it states "We apply payments to balances as they appear on your monthly statement before being applied to new transactions" and also states that the information provided to me during my initial complaint  is accurate. However, The Cardmember Agreement also states that "Our ability to make changes to this agreement is limited by applicable law."According to the CREDIT CARD ACCOUNTABILITY RESPONSIBILITY AND DISCLOSURE ACT OF 2009 signed by U.S. Congress and U.S. President Barack Obama on May 22nd, 2009Title I Consumer Protection, Sec. 104. Application of Card Payments §164. Prompt and fair crediting of payments  (b) APPLICATION OF PAYMENTS  (1)IN GENERAL Upon receipt of a payment from a card-holder, "the card issuer shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest," and then to each successive balance bearing  the  next  highest  rate  of  interest,  until  the  payment is exhausted. Nowhere does it state that a card balance with a higher interest rate must first appear on your monthly statement. If that were the case it would say so. Therefore my account balance of $39.56 with a 22.99% interest rate should have been payed in full when I made my initial payment of $65.00 on Apr 25th 2017. Since receiving my June 3rd Statement and noting this error I have since made another payment of $65.00 in hoping to clear this balance of now $39.93. I don't understand how it went from $39.56 to now $39.93, but I'm sure Chase will have an accurate explanation for this as well.  I will never do business with Chase or any affiliate of JP Morgan again.

Tell us why here...This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on December 20, 2016. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

Tell us why here...This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on July 3, 2017. They should receive our correspondence within 5 to 7 business days. In order to protect...

consumer privacy, they have been advised they may share the response directly with you

We responded to our customer’s concerns in our letter dated March 8, 2018. To protect our customer’s privacy, we are not providing you with a copy of our letter. Our customer may use their discretion in sharing our response directly with you.