JPMorgan Chase Credit Card

Review: My sister is the primary holder on our credit card with Chase. she has the Slate card. I am secondary and have the Freedom card. I have had this credit card for over 7 years and my sister has been a customer for longer. I recently made some very large purchases and noticed that minimum monthly payment was extremely high. My balance is currently around $7600 and my minimum amount due is $384. I have another credit card with a different bank with approximately the same balance and the minimum due is $125. I also compared my sisters Slate balance which is $14,200 and her minimum is approximately $260. I became a little concerned because they are charging me 5% of my overall balance which is exetremely high and both my sister and I use Chase cards. I called Chase customer service 2 times and spoke to4 Reps. I let them know I did not want to change my interest rate. I understand it is what it is. I asked if they could lower my minimum payment to 2% since that is what my sister is approximately paying and because the other credit card companies I use charge 2% of the overall balance to calculate the minimum monthly payment. I was transferred to a Rep Specialist who kept repeating herself explaining the calculations. I told her that I understood the calculations and I was only asking to decrease it from 5% to 2%. She stated that those were the calculations for the product I was in. I let her know about my sister's Slate card and her balance and minimum payment. She stated it was adifferent product with a different calculation structure. I asked if I could be transferred into that product. I have been a good customer, never late on a payment and always pay at least the minimum due or more. She stated changing the product would only change the reward system and not the calcukations. She stated I would have to reapply. I let her know I couldn't understand that because I am already a customer with a great history. She then told me about hardship arrangements. I told her I did not want a hardship arrangement because it would affect both mine and my sister's credit and my card would be shut off. She stated she could not change the policy. I asked to speak to someone higher up. The Rep stated that they wouldn't be able to help me and would not transfer me to anyone else. All I want is to be switched into the Slate Product with the same calculation for minimum balance without reapplying or have them lower my minimum balance to 2% of my overall balance without a hardship arrangement.Desired Settlement: All I want is to be switched into the Slate product with the same calculation structure without reapplying or have my Freedom card reduced to 2% of my overall balance to reduce my monthly payment to a reasonable payment without a hardship arrangement.

Business

Response:

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 11, 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.

Review: Sent payment on time a week before due date. I never sent a late payment in my life nor do my payments arrive late based on the calculation of it being sent thru post office. Spoke with representative with an unusual accent... Could not understand, as a result was not able to come to a conclusion.

I have an Excellent score and for an error like this to happen that could possibly ruin my near perfect score could be considered a complete joke!! and only 15 dollars???Desired Settlement: Removal of late fee in the amount of 15.33. Also removal of late payment from all of the major credit bureaus that chase bank falsely recorded due to their own error.

Business

Response:

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 25, 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.

Review: I have a Chase MasterCard. I pay for total charges monthly. I sent check # 1688 for $3,395. 42 on 8/18/2014 for total charges due 9/6/2014. Yesterday (9/15/2014) I received a Chase Credit Card bill with a DIFFERENT credit card account number with late fees and interest penalties on last month's total charges. Today (9/16/2014) I called Chase Customer Service and spoke with Ms. [redacted], a woman named [redacted], and a man named [redacted]. I asked: had Chase received my check # 1688 for my MasterCard account and had Chase misplaced my check due to having changed my account number without notice. They informed me that Chase was changing customer MasterCard accounts to Visa accounts and that information about the change was mailed to customers. I did not receive a notice from Chase about the change and I have not received a Visa CARD with the new number. Not one of the Chase representatives could reasonably explain: WHY would Chase send me a bill with the number of a Visa CARD I do not possess? More importantly, the bill with the new number does not show payment for the previous month (check # 1688 above) and charges me late fees and interest for same. I am concerned that my check was overlooked or misplaced due to the account change. My previous payment history shows all previous checks received without issue.Desired Settlement: 1) Make an honest attempt to find check # 1688 and credit my account

2) Cancel all late fees and interest penalty charges

3) Send NEW credit CARD WITH credit card notice ( with complete information addressing how change affects contract) ASKING customers to change FROM MasterCard to VISA

4) Allow the customer (me) to decide whether the customer (me) wants to continue to do business with new arrangement

5) An apology would be nice

Business

Response:

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 16, 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.

Review: My credit card company charge a late charge fee for $25.00 after received a payment next day after due date. As a costumer that usually make all my payments on time, and did think had already paid my credit card bill, asked the company to reverse the amount, but they refuse to do so. The company already charge me almost 30% interest year, after agreement from beginning lower then 10%.

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

Just refund the amount.

Business

Response:

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 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.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me.

Review: On August 27,2015 I received a letter from JP MORGAN CHASE indicating that my credit card accounts (2) had been closed because I failed to provide very detailed personal information which had been requested earlier by letter. Please note that I have never been asked for such extensive information by any credit card company. The address to which I was to send the information was different from the company's address so I assumed that this was a scam.

On September 10 and 11, 2015 I invested 1 hour on hold trying to talk to someone in authority to resolve this issue. I have been a customer for over 10 years and always pay my bill in full and in a timely fashion. The two individuals I spoke with ([redacted] and [redacted]) were intractable and insisted I go to a branch and provide 2 forms of ID and who knows what else. I opted to keep accounts closed. This is unfortunate for Chase as they have lost a lucrative account.Desired Settlement: I don't know if this will have any impact on my credit rating but if it does, I expect Chase to correct this immediately

Business

Response:

This e-mail is to acknowledge receipt ofyour correspondence. Chase takes consumer feedback very seriously. We havefully reviewed this matter and responded to the consumer on September 23, 2015.They should receive our correspondence within 5 to 7 business days. Inorder to protect consumer privacy, they have been advised they may share theresponse directly with you. Tell us why here...

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: I am seeking refund of money for payments made to Chase for services not received by the company financed for ([redacted]). There are other customers with the same issue that have disputed their charges with the banks they paid through and refunds are being honored! It is unacceptable if Chase does not follow the same proper response in such matters!Desired Settlement: Either the full amount of service $2900, or an agreed upon amount for the remaining part of services not received in full. As the company for which these monies were financed for, they have shut their doors and cannot be contacted, hence I feel it is the obligation of Chase to properly refund my money/

Business

Response:

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 1, 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.

Review: Someone has opened a credit card in my name. I did not. I have NOT authorized any charges, for any type of credit card with Chase.

Someone has opened a Chase credit card in my name. I had perfect credit until someone did this to me. I have called chase and written letters and no one seems to be doing anything. I want this card removed from my account right away. I didn't apply for it, use it, or authorize the activation of it. Please remove it or mail me what I need to complete and sign for to get it removed. Thank you, [redacted].Desired Settlement: I want the card closed and removed from my credit report immediately. As well as my credit score I want increased back where it was. Thank you, [redacted]

Business

Response:

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 2, 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.

Review: There has been a Balance Transfer ( separate interest charge ) on my Chase Credit Card since 8-15-2006. When I called the Customer Service Line ( and spoke with Nicole Martin ) she said this balance transfer has been charged on this account since 8-15-2006. I told Nicole I have never Transferred anything to this account ( or any other account ), she said the charge has been going on this account for as far back as she could research. I then ask to speak to a supervisor. Claudia ( the Senior Acct. ) then got on the line. Again, he said it was a balance transfer from 8-15-2006 but could not tell me who the transfer was from. His words to me were " it probably was a store credit". I told him that I have never transferred anything on this account. In conclusion, he could never tell me where the balance transfer ( that they are charging me separate/additional interest on ) was coming from.Desired Settlement: I would like my Credit Card credited back for all of the fraud charges Chase has put on my Credit Card for a Balance Transfer that never happened.

Business

Response:

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 29, 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

Review: I had a Chase Sapphire MasterCard. Chase was offering a 40,000 bonus reward point offer for opening a Sapphire Preferred Credit Card and an additional 5,000 bonus point reward for an additional card on the same account. I called Chase to find out if I could open a Preferred Visa account and to verify that if I did, I would receive the 45,000 bonus points. They said I would receive the points, but the non-Preferred card account would be closed and the credit line would be transferred to the new Preferred account. Later that day, I called back to set up the new account. They are not honoring the agreement to award the points. They are claiming it does not qualify as a new account.Desired Settlement: A credit of 45,000 bonus points to my Chase rewards account tied to my Chase Sapphire Preferred Visa.

Business

Response:

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 7, 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

Review: Chase Bank refused to delete revolving credit line [redacted] after agreement made between Chase Card Services and CA. Pay agreement has been made for referenced account, near obsoletion.Desired Settlement: Chase Bank must remove the credit line from all three credit unions, as agreed, as listed below.

Equifax account ref #[redacted]

TransUnion account ref [redacted]

Experian account ref #[redacted]

Business

Response:

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 April 10, 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.

Consumer

Response:

Review: I called Chase (my Southwest Credit Card) last night 7/6/15 about 8pm central time. I told the rep that I was concerned about fraud so wanted to alert them as I thought my email may have been compromised. The rep told me that I needed to contact Google Tech Support and gave me the number to call. I called Google on recommendation of the employee. The company he recommended me to [redacted] was a tech scam company. They got into my computer claiming to be Google and stole my identity. I called them to talk to a supervisor as their employee led me right into the hands of FRAUD and SCAM. I literally had my identity stolen last night from the advise of a Chase employee whom I trusted. They don't think they have any responsibility. They are not willing to take action. I have no idea how the rep found that phone number but he handed me to scammers on a silver platter.Desired Settlement: I want them to apologize. I want them to pay for identity theft monitoring as they are the reason I am in this mess. I want them to address the employee that is handing their customers over to scam companies and take responsibility. I believe their calls are recorded so this can all be verified. There is also a police report. The officer called Chase today and Chae would not cooperate.

Business

Response:

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 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.

Review: Chase bank claims that they cannot lower interest rates on their cards. I have an airtran A+ visa credit card, and for YEARS i've been asking them to lower the interest rate, which is 23.24% FIXED, and is simply too high. I demand that this be lowered because as a customer of theirs for the last five years, I should be able to have my APR lowered!! this is OUTRAGEOUS!!Desired Settlement: APR to be lowered to less than 8%. GUARANTEED

Business

Response:

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 September 19, 2013. 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.

Review: I was wrongfully charged by EuropCar rental in Italy for a parking fines that were already paid in Italy prior to departure. Copies were sent to Chase

Charged 8 Jan 2015 amount of $56.26 CAD from EuropCar Italy. My trip to Italy was in Aug 2014 and car was returned with everything paid off prior to returning to Canada. Spoke to Visa since January with no resolution, also I provided copies of the receipts of the fines paid off. But Visa ignores me. I paid my January statement in full, hoping to get refund for the wrong charge. HOWEVER, if there is a legitimate reason for this charge they will need to communicate that because as it stands this charge is wrong.Desired Settlement: $56.26 which was transaction + 0.05477 Visa's daily interest rate ($3.08 X 120 days= $369.60 due to Visa's incompetence and indifference) Total of $425.86

Business

Response:

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 11, 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.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: There are new problems I am experiencing with Chase. They are now claiming they have no address for me on file, to which I asked them "how then did I open an account in 2006?"

I have been a member of chase master card since 2006, when I originally applied as was approved. Since that time I have used my mailing address for receiving mail and do not receive mail to my house(s). Chase is very much aware of my mailing address and when I visit the website they continually ask me to verify my mailing address, which I do. What is showing in the website for Duluth Ga is correct but Chase continually denies the address as my mailing address. So I took pictures of the PO box with my keys in the box, open the box and showed it full of mail. Chase then says " we have returned mail from you". I explained that I can not account for the USPS efficiency, but the picture clearly proves I own the box and I receive mail there. Then after much trouble they say well, we are trying to send mail to your home address which returns and we want you to update your home address which is where the mail is returning from. This leaves me very confused because I don't receive any mail at my home(s) property, but at my PO box. Any mail sent to my home(s) property should return because I do not receive mail at my home and put in a change in 2008. Now Chase is threatening me, to ruin my credit and close the card which has a balance on it. Chase is demanding to use a home address rather than my mailing address which I stopped service to preventing mail theft and Identity theft. This only became a problem for chase in 2014 although I have be a member since 2006Desired Settlement: I think Chase should stop the threats. They should recognize that when I opened the account in 2006 I supplied them with a land address for the sake of opening the account. I would have been against the law otherwise, if Chase is saying they dont have an address then that would mean they opened an account in violation of the law, which obviously they did not violate the law.

They should also continue to send any communication to me to my P.O. Box which is on file for Duluth Ga. And they should stop trying to force me to use a land address as a mailing address.

Business

Response:

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 25, 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.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: Chase has a trade line reporting on my credit report with incorrect information. According to my records, the charge off date, late payment dates, and the balances are incorrect.

CHASE/BANK ONE CARD SERV [redacted]Desired Settlement: I would like the trade line removed from my credit report.

Business

Response:

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 09, 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. Tell us why here...

Review: MY PROBLEM IS DO TO PAST CREDIT ISSUES AND GOING THROUGH HARDSHIP I HAD TO GO TO A CREDIT 360 CONSULTING SERVIES ([redacted]) TO HELP ME. ONE OF THE ACCOUNTS BY CHASE [redacted] WAS REMOVED FROM MY FILE. NOW THE SAME ACCOUNT IS BACK ON MY FILE WITH A HUGE NEGATIVE SHOWN. I WROTE TO CHASE AND OTHER CREDITORS TO PLEASE REMOVE THIS ACCOUNT WHICH WAS ALREADY REMOVED IN THE FIRST PLACE. I HAD NO REPSONSE BACK FROM THEM. I WORKED REALLY HARD TO GET BACK ON MY FEET WITH CREDIT 360 CONSULTING AGENCY IN AUSTIN, TX TO NOW SEE THAT THE CREDITORS ARE UNFAIR AND UNRESPONSIVE TO MY LETTERS TO RESOLVE THIS ISSUE.Desired Settlement: I WOULD LIKE IT FOR CHASE TO REMOVE THIS ACCOUNT [redacted] AS THEY DID BEFORE FROM MY CREDIT FILE.

Business

Response:

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 April 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.

Consumer

Response:

Review: I called Chase to dispute a charge on my credit card and after investigation, Chase decided to side with the vendor of whom charged me for a product I did not order nor am in possession of.

The last week of Nov. 2013.

I received an email offer to buy electronic cigarette for $4.95 from:

[redacted] I made the order using Chase credit card ending in #8371.

The 1st week of Dec. 2013

Received e-cigarette. A few days later, received e-liquid from the same company. I called them Dec 16th, 20th, and 27th to try to get a return address and get credited for the product not ordered. They made me an offer to keep product and pay $49.99. When I refused this offer, they put me on hold forever. They disconnected me for a second time and I still couldn't get a return address from them. Tired of going in circles, I called the Chase credit card company to dispute the charge on Dec 27th 2013.

1st week of Jan 2014

I received ANOTHER shipment from [redacted]. I called the company Jan 8th 2014 and again never got anywhere with them. I called Chase credit card again.

I placed the 1st shipment of e-liquid and the 2nd shipment in an envelope and returned it to the sender address on the slip I had. The only address I had for the company since they gave me the run-around whenever I told them I needed to make a return.

Chase bank (Credit card)cancelled the dispute on March 18, 2014, saying that the company had no record of me returning the product. Chase considers the charge to be valid and said I will receive the bill for it next billing cycle.

March 24, 2014

I called Chase and spoke to Brandi Lewis, who got [redacted] on the phone. This phone call was recorded. The rep originally agreed that I had called [redacted] 3 times in December and then he changed his statement and said I had called only once. When I told them product was shipped back to them, he asked me for a tracking number. I don't have a tracking number. I didn't send this back to them other than regular mail at the post office. As a result of the phone call, Chase decided to stand by the decision of the letter they sent to me, validating the purchase.Desired Settlement: I don't feel I should have to pay for something I did not order and something I returned to the company who sent it. I am a regular person and I sent the E-liquid back to this company using regular mail. I did not request a receipt or ask for it to be sent special delivery. This complaint goes along with a Revdex.com complaint I have against the [redacted] company, as well. Reference Revdex.com Case# [redacted] I feel both companies are responsible for resolving this issue.

Business

Response:

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 April 7, 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.

Review: On my United MileagePlus Visa ending 4041, I have had a dispute with Pacific Smiles for $610 because I was dissatisfied with the service I have received. This dispute was resolved in Merchant's favor, however the official statement of Chase's Dispute Department plainly states "the charge is VALID", but I was not disputing the charge's validity but that I am dissatisfied of the service of Pacific Smiles. I have appealed so many times, clarified the mistake on categorizing my dispute, resubmitted documents supporting my claim, provided authorization to legally be informed of my dental informaition for the benefit of the disputes and yet, the same resolution of charge is VALID. On this regard I feel like sufficient service that Chase offers as Dispute Process was given to me, despite my attempt and 2 appeals of the dispute.Desired Settlement: I think that Chase should hear my point that service of Pacific Smiles was unsatisfactory. In good faith, I have opened, appealed twice, sent truthful information about the dispute, and if I could not get any help, one of the Card's benefits is Consumer Protection against unsatisfactory purchases or services, and so and I think I should just get a credit for this $610 dispute.

-[redacted],

UNITED MILEAGE VISA CARD ENDING 4041

BILLING ZIP CODE 96921

MOTHERS MAIDEN NAME - [redacted]

Business

Response:

This e-mail is to acknowledge receipt ofyour correspondence. Chase takes consumer feedback very seriously. We havefully reviewed this matter and responded to the consumer on October 5, 2015.They should receive our correspondence within 5 to 7 business days. Inorder to protect consumer privacy, they have been advised they may share theresponse directly with you. Tell us why here...

Consumer

Response:

Review: On June 17 signed by [redacted] I found that the bank has close my account without an explanation

On June 17 signed by [redacted] I found that the bank has close my account without an explanation, and without a previor notification, I have write several checks day before the bank sent me a notification, now incoming wire that where setup will be rejected also causing problems to me.

I need the bank to provide me a clear explanation of whats going on my account end on 0558 and my zip code is [redacted] my name is [redacted]Desired Settlement: I need to have a clear explanation of whats going on

Business

Response:

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 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.

Review: My mother had a sizable Chase credit card balance when she passed away in August 2011. Her will was made out to me, but unfortunately there was nothing left in her estate after her prolonged illness. Chase was notified of this, and I heard no more about it. Now, after I checked my credit report (2 1/2 years after her death) I found out that my name is listed as an authorized user because I was the executrix of her will. This account has been showing up negatively on my credit report all of this time, and is drastically affecting my credit score. I have asked Chase to remove my name as an "authorized user" and to remove this account from my credit report.Desired Settlement: Remove my name as an authorized user, and remove this account from my credit report.

Business

Response:

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 18, 2013. 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.