JPMorgan Chase Credit Card

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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 March 4 2014. They should receive our correspondence within 5 to 7 business days.  In order to protect...

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Revdex.com:
font-family: Georgia;">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.
JPMorgan Chase has offered no solution to the problem.  Customer Service team's response was poor and inconsiderate.  They blamed everything on Disney, even though Chase is the company that manages Disney Visa credit cards and is in charge of reward points. As a result, I was robbed of $150.00 due to Chase's poorly designed redemption process.  They redeem the customer's rewards points in addition to charging his credit card a full dollar amount when redeeming for a gift card.  Chase has no interest in providing customer service to customers with low balances in their accounts and only cares about high net-worth individuals.  Consumers beware.
Regards,

[redacted]
 
Please reopen complaint# [redacted]. This complaint was...

filed against Chase because the item was purchased by credit card and a charge-back needs to be performed. Chase has not gone ahead with the chargeback. That's why I am complaining.

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 5, 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.
I've attached the response from Chase regarding the dates of the statement notices.  While I cannot prove the receipt dates of the mailed notices (as I mentioned there are no issue dates on the statements, and no dates on the postmarks), I can prove that the emailed notice was not sent on the 7th of the month, as claimed by Chase.  I attached the July email notice, and you'll see that it was sent on July 18, and clearly stated that my payment would be due in 10 days.  Since we do not frequently read our email, and were not expecting an email notice, we did not see the email until July 31, after which the payment was late.  Unfortunately, our account was switched to paperless billing without my express consent, as I do not recall selecting this billing method while I was online to pay the previous month's bill.  
As I understand the federal regulations for credit card billing cycles, notice must be given 21 days prior to the due date, and this obviously does not meet the minimum notice time.   I believe that the mailed statements were also sent late in the billing cycle, and even though our June mailed payment was postmarked before the due date, a late fee was applied (see the June statement).
I also believe that Chase illegally applied double cycle billing.  The June bill also shows $69.63 for interest. On the July Bill, also attached, even though we paid the bill in full before the due date, another $50.91 in interest was applied.
Finally, I researched this issued online and found numerous complaints regarding similar situations for Chase credit cards.  It seems that the late statement notice and double cycle billing practices are intentional and should be stopped.  If appropriate, legal action should be taken.
Best Regards,
[redacted] September 18, 2014

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 June 17 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.
I did receive a letter from Chase. They are not understanding that all of the late fees they are expecting me to pay for are from fraudulent charges that I never made. They waived the fraudulent charges but did not waive the fees that came with them. Why would anyone pay for late charge on a credit card they didn't have/ didn't know about the charges in the first place?
The letter I received from them was not helpful at all. It was a complete brush off. When I spoke with them on the phone, I was passed through 12 or more people and nobody was willing to help. All they did was close my account permanently and are still expecting me to pay over $300 worth of late fees. I absolutely refuse to pay late fees from charges I did not make on that card. That is easy to understand but for some reason, their employees couldn't get me to the right person to settle that issue.
Regards,
[redacted]

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.
After speaking with your customer service representative he offered no solution to the matter.   I suggested several options, including canceling my c=new and unwanted chase freedom card (with no damage to my credit) and applying the points to my new chase ritz carelton card.  OR, offering no annual fee for the first year of the ritz carelton card.  He offered 5,000 points (which is less than a third of the points loss )  on the unwanted chase freedom card
Again your companies actions have hurt me three ways:
1) send my card to wrong address and allowed me to become the victim of identity theft
2) hurt my credit score by providing me with a card I don't want and force me to cancel it
3) eliminating 17,000+ credit card points by selling them to an outside organization without my consent.  That's $170 value at 1% per point or a domestic flight ticket. 
Regards,

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 June 12, 2014. 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.

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 1, 2014. 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.

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 November 24, 2014. 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.

 
Dear [redacted], Pertaining to our call this morning I am writing my following response. I am still unsatisfied with the response from Chase Bank denying me the promised 50,000 miles that I qualified for and deserve. These references are in reply to a personal letter from Chase Southwest and not a response to the Revdex.com themselves which you were supposed to have done. I feel you are trying to hide the truth from the Revdex.com and the public.      Here is the statement that I question "this new cardmember bonus offer is not available to either (1) current cardmembers of this business credit card, or (2) previous cardmembers of this business credit card who received a new cardmember bonus for this business credit card within the last 24 months." This is a ridiculous statement because I am not asking for a second set of 50,000 reward miles but a new credit card for a new legally separate company. You have already approved and issued me a separate credit card for my new business which has its own credit card number, monthly statement,  and you personally charged another separate $99 yearly fee and then waited three months to tell me I was disqualified. Clearly you treated this as a separate credit card account for a legally different business until time came to receive my reward.     Then in the next paragraph you agree that the "two accounts are for separate companies with different Tax Identification Numbers." and you say that because I have the same "personal credit history" and I am "the liable party on both accounts" that somehow this disqualifies me for the 50,000 points on the new business credit card. If this was the case then why did you qualify me for the new and second credit card for my new second business? Just because I am the same owner, it shouldn't disqualify me for the bonus points on the new card. Nowhere did you state that I could not receive the promotion for two separate credit cards for two legally separate businesses.     Also, as my Southwest Rewards credit card states on it, it is "PHI PLUMBING INC.". This means it is a legally separate entity called a corporation by the US Government formed in 2016. I, in no way or at anytime, hid this fact from you. I am legally just an employee of this corporation. This is my official notice of this fact, so please fix this. This should also help clear up more of the above confusion. This corporation ( PHI PLUMBING INC.) has never had a Chase Southwest Reward credit card card before the 5534 account! Thank you Revdex.com for your help in this matter.

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.
Chase claims that the issue is not a billing issue and cannot credit my account... however if I were to advertise real gold watches and actually sell fake ones than that is fraud and it is considered a billing issue. Much in the same way I booked a Luxury resort hotel and when I arrived the place was under construction in needed of much repair no water in the pool, no restaurant, café as advertised and ac not working , roaches rodents and broken sink and cold water the place should not even be in business . I am not paying for this it is a billing issues because the place was falsely advertised and could not book elsewhere as they had a hold on my card.
Regards,

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 11, 2014. 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:
The business has not actually provided a response but said they need an additional 5-7 days, I will await their response. Thanks
Regards,

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 use my bank to send out payments to chase and I am not allowed to have a date that falls on a Sunday. I am closing my account for both credit cards that I have with them.  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 May 26, 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.

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 August 4, 2014. 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.
We are still working on cleaning up these disputes. Please find the information attached. [redacted] at Discount Mugs is reviewing that amount. I will follow up with her.
Thank you.
Regards,