{"took":388,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":61,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2851186","_score":22.545969,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2018, I called in my mortgage payment to Chase mge and received confirmation that payment was submitted. There was no further contact from Chase to show otherwise. Upon receipt of XX/XX/XXXX statement I noticed an unusual line of past due balance for XX/XX/XXXX. I contacted Chase to see what problem was and was told payment was accepted then returned for non sufficient funds. This was impossible as I keep a balance of well over this payment and have overdraft protection. I contacted my bank and they wrote letter that states the funds were available all month for this amount as well as stating we have overdraft protection. ( Can provide ). Chase then states that it was incorrect acct number entered. However this was not the case as well. I paid XX/XX/XXXX and XX/XX/XXXXwith same saved info as I did on XX/XX/XXXX. I have been given several different unjustifiable reasons as to why Chase did not accept payment and none of them make sense. It was plain and simple a system glitch! We never got a call or email or letter stating this was late due to their system acknowledged the payment and for some reason, denied the payment and did NOT notify me nor my wife. This has taken our XXXX   scored to below XXXX and is affecting every aspect of our finances. We can provide written statements from our bank and what Chase sent us acknowledging we made our payment. We have tried many avenues with no correction. Please help!","date_sent_to_company":"2018-03-22T17:14:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"386XX","tags":null,"has_narrative":true,"complaint_id":"2851186","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2018-03-22T16:47:17.000Z","state":"MS","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["On XX/XX/2018, I called in my mortgage payment to <em>Chase</em> mge and received confirmation that payment was submitted. There was no further contact from <em>Chase</em> to show otherwise. Upon receipt of XX/XX/XXXX statement I noticed an unusual line of <em>past</em> due balance for XX/XX/XXXX. I contacted <em>Chase</em> to see what <em>problem</em> was and was told payment was accepted then returned for non sufficient funds. This was impossible as I keep a balance of well <em>over</em> this payment and <em>have</em> overdraft protection."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[22.545969,"2851186"]},{"_index":"complaint-public-v1","_id":"2115293","_score":22.051487,"_source":{"product":"Credit card","complaint_what_happened":"I previously filed a complaint ( Case number : XXXX XXXX for my denial of credit for the Chase Sapphire Reserve card. I am resubmitting the complaint after discovering a person with far greater number of credit cards opened in the past 24 months was denied for the same reason without further credit review ( \" too many credit cards opened in the past 24 months '' ). However, this person contacted Chase and was subsequently reconsidered for credit and approved for the Chase Sapphire Reserve card when Chase actually reviewed his credit profile and credit worthiness. I also discovered this person who was subsequently approved is paid excessive commissions for referring sales to Chase. See XXXX for details and evidence of approval. \n\nOriginal complaint : On XXXX/XXXX/2016 when visiting the XXXX XXXX Chase branch, a Chase banker by the name of XXXX XXXX informed me I was preapproved for a Chase Sapphire Reserve credit card and asked me if I was interested in accepting the offer of credit. I said, yes, I was interested. He then began the process, and then walked away and came back a few minutes later after speaking to another employee. He informed me I was preapproved for the Chase Slate and Chase Freedom credit cards, not the Chase Sapphire Reserve card ; however, he told me since I was preapproved for both of the above credit cards, and based on our discussion of how much I travel, income, credit score, etc., that we could just put the regular application through for the Chase Sapphire Reserve card, and I should be \" approved no problem '' given I was preapproved for the Chase Freedom and Chase Slate cards ; however, after submitting my info, he said my application was pending and he provided me a XXXX number to call to check the status. I called on XXXX/XXXX/2016, and I was informed that I was denied solely due to opening XXXX credit cards in the past 24 months, which the representative ( XXXX ) made a point to say was \" excessive ''. I asked about my XXXX credit score, stellar credit history, payment history, etc. and he told me none of that mattered, and Chase was denying me simply because of opening XXXX credit cards over the last two years, regardless of whether those credit cards are still open or not. I asked for reconsideration, especially since I have worked for XXXX different banks over the past 2 years and it is common for senior employees to represent the bank by opening their employers credit cards, a practice known by even the president of Chase Card Services to do by holding every Chase credit card in his wallet, and that many of the XXXX cards he mentioned had been opened in 20-24 months ago. The reconsideration was refused, and stated it was a final decision, and no other review of credit worthiness to determine qualification for credit to be issued would be considered. I asked if this policy was applied across all of Chase 's customers, which I was told \" yes ''. However, I then asked if this policy was also applied to applications by the Chase Card Services president when applying for \" excessive '' number of credit cards within a 24 month period, and the rep would not confirm. I also asked if this same policy applied to Chase Private Client customers ( high net worth ), and I was provided an answer that stated the customer relationship in branches is different than the card services, so I explicitly asked Chase if they deny Chase Private Client customers ' credit card applications solely based on the number of credit cards the customer has opened in the past 24 months and not on credit worthiness, and I was told the policy to deny applications solely based on number of credit cards opened in the past 24 months does not apply to Chase Private Client customers.","date_sent_to_company":"2016-09-15T20:35:53.000Z","issue":"Credit determination","sub_product":null,"zip_code":"43147","tags":null,"has_narrative":true,"complaint_id":"2115293","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2016-09-15T20:35:53.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I previously filed a complaint ( Case number : XXXX XXXX for my denial of credit for the <em>Chase</em> Sapphire Reserve card. I am resubmitting the complaint after discovering a person with far greater number of credit cards opened in the <em>past</em> 24 <em>months</em> was denied for the same <em>reason</em> without further credit review ( \" too many credit cards opened in the <em>past</em> 24 <em>months</em> '' )."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[22.051487,"2115293"]},{"_index":"complaint-public-v1","_id":"14857116","_score":21.181557,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am XXXX. I have had a checking account with Chase for more than a decade, ever since they took over Washington Mutual and all of XXXX 's accounts. Because it originated with XXXX, it is an \" old '' account according to them. But there has never been a problem of any kind with the account. When I went in a few days ago to add my spouse as a signer they told me they had to close the account -- and I had to open a new one -- because the account was \" old '' and no longer fit within their system. I have opened a new checking account with Chase. The problem is that they will not keep the old account viable ( on a \" restricted '' basis ) to receive automatic deposits that can be transferred to my new account past XX/XX/XXXX. This deadline is for no reason at all -- there are no problems, no fraud -- I've never had an overdraft. JUST because it's an \" old '' account. I have automatic deposits made into that account from social security, my XXXX, and a XXXX  from the XXXX XXXX XXXX requires that you leave the old account open for 60 days to make the transition to the new account. I can only communicate with my XXXX XXXX  by mail. None of the transitions will happen before XX/XX/XXXX, which means the bank is handing me a big XXXX mess on a platter -- possibly months without access to my funds. Again, this is their doing, not mine. If my account was too \" old '' surely they should have notified me with ample time for me to transition to a new one and sprung it on me when I sought to add a signer. If I had not sought a change, the account would have continued -- they acknowledge this -- which seems to say there is no reason they can't leave it open on a restricted basis until the transition is complete.","date_sent_to_company":"2025-07-24T20:56:23.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"97214","tags":"Older American","has_narrative":true,"complaint_id":"14857116","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-07-24T20:39:06.000Z","state":"OR","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I <em>have</em> opened a new checking account with <em>Chase</em>. The <em>problem</em> is that they will not keep the old account viable ( on a \" restricted '' basis ) to receive automatic deposits that can be transferred to my new account <em>past</em> XX/XX/XXXX. This deadline is for no <em>reason</em> at all -- there are no <em>problems</em>, no fraud -- I've never had an overdraft. JUST because it's an \" old '' account."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[21.181557,"14857116"]},{"_index":"complaint-public-v1","_id":"3464367","_score":20.8503,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"To Whom it May Concern, I have repeatedly and fraudulently been charged on a Chase Bank Amazon.com card for a Amazon.com services I do not want and have tried to cancel. \n\nThe problem began in mid-2019, when I learned that I was being charged monthly by Amazon Web Services. The charges were small -- {$1.00} per month -- but because I do not use this credit card for anything, I had no reason to suspect these charges were accruing. When I learned that they were, I filed a formal complaint with a credit reporting bureau. This happened in XXXX 2019, which was also the time when I requested that the service be cancelled. My complaint was rejected with no explanation. Despite my request to close the AWS account and thereby stop the charges, the charges continued without my knowledge or consent through the summer and into the winter of 2019. \n\nMoreover, in XXXX 2019, Amazon.com changed the way I was billed for a different service ( an XXXX  subscription with XXXX ), moving the automatically-recurring billing from my default credit card ( whose balance is automatically paid ) to my Chase Bank Amazon.com credit card. I did not consent to this billing change and would never have done so. It happened without my knowledge or consent. \n\nAs a result, I ended up with a delinquent account that has severely damaged my credit. \n\nFinally, I feared something like this might happen. In XXXX 2019 I made an extra payment to Chase Bank ( I owed something like XXXX dollars and paid XXXX ) just so that I might have a credit cushion in case of further unauthorized charges. Chase Bank then refunded this credit, only to days later charge me for being past due and late in my payments. This is outrageous and unfair. I believe that Amazon.com and Chase Bank are engaged in highly deceptive practices. \n\nMy hours on the phone with Chase and the credit reporting bureaus have been wasted, as I am simply transferred from Customer Service to Disputes over and over, back and forth, with nobody able to explain why any of this happened or provide me with any form or redress. \n\nI fear I may lose my house over this -- over a {$1.00} charge that I cancelled, but which was repeatedly billed without any explanation. And I have a fifteen-month old! The experience has been distressing, and the results could be catastrophic for me and my family,","date_sent_to_company":"2019-12-10T23:09:10.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"95616","tags":null,"has_narrative":true,"complaint_id":"3464367","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-12-10T22:27:05.000Z","state":"CA","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["To Whom it May Concern, I <em>have</em> repeatedly and fraudulently been charged on a <em>Chase</em> Bank Amazon.com card for a Amazon.com services I do not want and <em>have</em> tried to cancel. \n\nThe <em>problem</em> began in mid-2019, when I learned that I was being charged monthly by Amazon Web Services. The charges were small -- {$1.00} per <em>month</em> -- but because I do not use this credit card for anything, I had no <em>reason</em> to suspect these charges were accruing."],"issue":["<em>Problem</em> with a purchase shown on your statement"],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[20.8503,"3464367"]},{"_index":"complaint-public-v1","_id":"8085570","_score":20.057167,"_source":{"product":"Credit card","complaint_what_happened":"I've been having a litany of problems with Chase over the past 2 months and I have reason to believe they have broken a multitude of consumer finance laws regarding both of my credit card accounts. \n\nAt some point in XXXX or XXXX of XXXX, they introduced a new digital services agreement requiring consent to access your online accounts. Upon advice from a lawyer, I did not consent to either of these digital service agreements due to privacy concerns. Therefore, I have been locked out of my online Chase accounts and unable to pay my bills online or access my rewards for both credit card accounts. I did not consent to these agreements because I refuse to allow Chase to sell my private financial data to data brokers. \n\nI've previously had a XXXX  % on-time payment history in my XXXX  years of credit history, but have been having a number of personal & financial difficulties recently including job loss, illness, and XXXX. So I called Chase on XX/XX/XXXX to request a deferment or forbearance on my accounts. I felt this was a reasonable request considering my payment history as well as the hyperinflationary crisis occurring in the macroeconomy. Chase refused to grant me this request and instead advised me to not pay my bills and go into default on my accounts. While speaking to Chase on XX/XX/XXXX, I was informed that there were additional changes to their agreement terms that were separate from the updated digital services agreement which were sent to my online accounts. I was not able to access these new terms because I was previously setup for electronic communications, but was/am locked out of my online Chase accounts so did not receive these important time-sensitive notices affecting my legal rights. I requested they send me these new terms in the mail in a timely manner so I could forward them to a lawyer for review. \n\nInstead of receiving these updated terms in a timely manner, Chase sent me a printed notice dated XX/XX/XXXX stating they had not sent any changes to my account recently. I will note this is notice is factually incorrect and contrary to what I was told over the phone. \n\nI again had to call Chase on XX/XX/XXXX after receiving this incorrect notice to request printed agreement terms to forward to a lawyer for review. Instead of receiving these agreement terms, I received a printed notice from Chase dated XX/XX/XXXX incorrectly stating that one of my accounts had been closed at my request. I never requested for that account to be closed and when I called Chase for clarification on XX/XX/XXXX I was told by multiple people that XXXX of my accounts were still open and in good standing. \n\nMy understanding is that this is duplicitous, unethical, and illegal for breaking consumer finance regulations. Chase has repeatedly told me things over the phone that are contrary & contradictory to things that Chase has mailed me in writing. This lead to me forming a support ticket with Chase 's executive office which is still under their internal investigation. I also requested a hardship settlement for my accounts but was denied over the phone, which is contrary to a printed letter they previously sent me in writing. \n\nSince I had not received the updated terms yet and the issue was time-sensitive, a lawyer was able to track down the revised agreement terms from another Chase Freedom Unlimited customer. The lawyer notified me the new agreement terms contained an arbitration agreement which had to be opted out of in-writing in a timely manner. So I wrote & mailed two letters each dated XX/XX/XXXX notifying Chase that I reject their arbitration agreements. I later received the updated terms for XXXX  accounts which were dated XX/XX/XXXX but I did not receive them until after I mailed my letters of arbitration rejection on XX/XX/XXXX. \n\nOn XX/XX/XXXX I made the minimum payment due of {$720.00} for XXXX of my accounts in-person Under Duress. The payment was made Under Duress because Chase refused to grant me a deferment, forbearance, or hardship settlement, and I had to borrow the money to make the payment even though I can not afford it. I will note that Chase refused these simple, reasonable requests despite us being in an active dispute requiring them to conduct an internal investigation over the integrity of their systems. I will also note that making payments in-person is extremely inconvenient for me, and that making payments over the phone aren't a secure method to pay due to various technological reasons. \n\nI called Chase on XX/XX/XXXX to check if my letters had been received but was initially told they had not been received. After informing Chase that I sent the letters with XXXX tracking numbers and could prove they received the letters on XX/XX/XXXX & XX/XX/XXXX respectively, they admitted they received the letters. This resulted in me having an additional support ticket created by Chase 's escalation department which is separate from the support ticket created by Chase 's XXXX office. I was told over the phone that Chase rejected my rejection of arbitration for XXXX account but not the other. I have yet to receive this letter of notice in the mail. \n\nMy understanding is Chase has broken XXXX consumer finance laws through my correspondence with them over the past couple of months. I also have reason to believe their systems have been hacked or compromised since they have sent me multiple factually incorrect letters in error. My understanding is that this is a violation of Chase 's fiduciary responsibility to safeguard & protect my private financial data, and that they are liable for damages if I choose to sue them in a court of law.","date_sent_to_company":"2024-01-01T01:56:40.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"97223","tags":null,"has_narrative":true,"complaint_id":"8085570","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-12-31T23:33:46.000Z","state":"OR","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["I've been <em>having</em> a litany of <em>problems</em> with <em>Chase</em> <em>over</em> the <em>past</em> 2 <em>months</em> and I <em>have</em> <em>reason</em> to believe they <em>have</em> broken a multitude of consumer finance laws regarding both of my credit card accounts. \n\nAt some point in XXXX or XXXX of XXXX, they introduced a new digital services agreement requiring consent to access your online accounts. Upon advice from a lawyer, I did not consent to either of these digital service agreements due to privacy concerns."],"issue":["Other features, terms, or <em>problems</em>"],"company":["JPMORGAN <em>CHASE</em> & CO."],"sub_issue":["Other <em>problem</em>"]},"sort":[20.057167,"8085570"]},{"_index":"complaint-public-v1","_id":"9711191","_score":19.594852,"_source":{"product":"Credit card","complaint_what_happened":"My {$7000.00} credit card payment was due on XX/XX/XXXX. Due to my own error, the Chase account that is set up to auto-pay did not have sufficient funds and the autopayment on XX/XX/XXXX was returned. I transferred money in from a separate account and made the {$7000.00} payment on XX/XX/XXXX, fully understanding that the payment would not prevent the {$170.00} interest charge due to my late payment. \n\nHowever, the {$7000.00} payment was inexplicably applied to the remaining principal of a Pay Over Time plan from the XXXX XXXX bill from my wedding in XXXX of XXXX. On my XX/XX/XXXX statement, my interest saving balance was {$7000.00} and the pay over time plan has a remaining principal of {$9100.00} with 13 remaining payments. Then on the XX/XX/XXXX statement ( the day I made the payment of {$7000.00} ), my interest saving balance was {$9000.00}, comprised of the {$1600.00} in purchases made between XX/XX/XXXX and XX/XX/XXXX, a {$95.00} annual membership fee, the ( legitimate ) {$170.00} interest charge, and the {$7000.00} that was errantly carried over. On the XX/XX/XXXX statement, you can even see the XX/XX/XXXX payment that I made. \n\nHowever, the Pay Over Time plan balance was reduced to XXXX, which is {$9100.00} minus {$7000.00}. In short, my card had an outstanding balance of {$7000.00}, so I paid them {$7000.00} and Chase inexplicably applied that to the Pay Over Time plan rather than the card balance, which is the crux of my problem. \n\nI have called into Chase several times over the past two months about this issue. I will summarize my interactions here but I also just requested that they send me the recordings of all of those calls. I was told that they will send them in 7-10 business days and would love to provide those to the CFPB if it would assist in your investigation ( assuming Chase isn't just lying to me again ).\n\nThe first two people I talked to ( one of XX/XX/XXXX and one on XXXX ) were incredibly unhelpful. The woman I talked to on XXXX was incredibly condescending and would cut me off to refer me to their remedial courses on what interest is and how credit cards work. I had her transfer me to a new person. That woman was actually helpful and we were able to identify the issues explained above and she acknowledged that this was Chase 's error and was likely due to the system thinking that the account was paid off on XX/XX/XXXX due to the returned payment, so they just applied it to the pay over time like they would any other payment beyond the card 's balance. She told me the situation would be resolved within 14 business days.\n\nSince 14 business days would put me past the XX/XX/XXXX deadline for the next payment ( which was now {$9000.00} which I did not have in my account since I just paid them the {$7000.00} and most people do not have an extra XXXX just lying around ), I called again on XX/XX/XXXX. I asked to speak to a supervisor and the man I talked to seemed quite helpful. He reaffirmed that this was a Chase error but said that the request from the woman I talked to on XXXX was not sent to the correct team and, rather than forwarding it on, no one had done anything with it in the past two weeks. He told me he had sent it to the correct team to resolve and, since this was Chase 's error and I didn't have the liquidity to just pay them an extra XXXX XXXXXXXX, to just make the minimum payment on my card on XX/XX/XXXX and the interest would be refunded while this was being resolved. \n\nAs you may expect, I just received a letter today ( XXXX ) that Chase determined they did nothing wrong and nothing can be done. I called in today and the woman that I talked to, XXXX, was incredibly defensive and just kept saying that the reason my payment was applied to the pay over time plan rather than the balance was because of my returned payment, basically trying to say this was all my fault and accepting zero responsibility on Chase 's part even though the previous two people were able to quickly identify and confirm the issue, in addition to the obviousness of the problem. She further said that, because the appeal was denied, they would also not be refunding my {$270.00} interest payment from only making the minimum payment at the direction of a Chase employee.","date_sent_to_company":"2024-08-05T22:07:11.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"55422","tags":null,"has_narrative":true,"complaint_id":"9711191","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-08-05T21:29:36.000Z","state":"MN","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["However, the Pay <em>Over</em> Time plan balance was reduced to XXXX, which is {$9100.00} minus {$7000.00}. In short, my card had an outstanding balance of {$7000.00}, so I paid them {$7000.00} and <em>Chase</em> inexplicably applied that to the Pay <em>Over</em> Time plan rather than the card balance, which is the crux of my <em>problem</em>. \n\nI <em>have</em> called into <em>Chase</em> several times <em>over</em> the <em>past</em> two <em>months</em> about this issue."],"issue":["<em>Problem</em> when making payments"],"company":["JPMORGAN <em>CHASE</em> & CO."],"sub_issue":["<em>Problem</em> during payment process"]},"sort":[19.594852,"9711191"]},{"_index":"complaint-public-v1","_id":"2886105","_score":19.451738,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/2018 at XXXX XXXX CT I contacted Chase concerning a sudden complete closure of all of my credit card accounts. I went to make a business purchase and was shocked to see that my card was declined. I followed up with Chase and they said it was due to me having several returned payments, overly-aggressively seeking credit, and multiple hard inquiries on my account within the past year. \n\n\nI proceeded to explain that I only had one returned payment due to the fact that I pay off my account at least 5 times per month to keep my balances low and this one time I overpaid and ended up having the payment bounce. Furthermore, this was not a situation where there was payment due on my account and I failed to pay it, this was just me making multiple payments above what was required and miscalculating on one of them. I explained that I called in to explain the details of the missed payment and the representative complimented me on how meticulously I managed my account and stated that since it was clearly a one-off mistake that had never happened on any of my accounts, she would even reverse the fee as a courtesy. Right after, I resubmitted the payment and everything went through as usual. \n\n\nNaturally, this is a source of shock, since 2 months later this is what is being stated as one of the key reasons Chase decided to shut down all of my accounts. At the time, I was given no indication that this honest mistake that the Chase representative made seem like no problem at all would be perceived so negatively against me. \n\n\nIn addition, it was mentioned that I had a credit line of $ 400,000+ and that this was a serious red flag for the bank. The agent said that it might be a typo, but the fact that she seemed to initially believe I had multiple returned payments and a credit limit over 4 times my actual total credit limit ( {$90000.00} ) leads me to believe that this decision was based in part on hastily thrown together and partially erroneous information. For a decision that immensely affects my XXXX XXXX and work as a XXXX XXXX, it is very upsetting that their decision might have been based on faulty information. Furthermore, I even informed them that I've reduced my credit limit significantly ( over 50 % ) in the past few months on my own and that my objective was clearly not amassing a huge credit limit that posed any sort of fraud risk. In fact, just a few months prior, I lowered the credit limits on 5 of  my Chase cards myself. \n\n\nI also explained why I had so many new credit accounts over the past few years. The representative I spoke with even said she understood why I sought the particular type of credit cards that I did given that I travel frequently. I also offered to provide information on my various accounts, credit limits, and why I opened them since I believed once they saw that many of the cards I opened were for particular hotel chains or airlines that I travel on, it would decrease the perception that I was recklessly applying for tons of credit. They declined to accept my offer, but said they took notes. \n\n\nUltimately, Chase reviewed my request and decided that they would maintain the total closure of all of my accounts and would not allow any of the remedying action I offered such as closing accounts, lowering credit limits further, or refraining from new applications. I understand that as a bank they can do virtually anything they feel protects their interests, but as a long-time customer and advocate for them and their programs, it is very disheartening knowing that they were completely uninterested in salvaging the relationship. It is also frustrating that I received no indication throughout the entire time that my actions put my banking relationship with them at risk in any way.","date_sent_to_company":"2018-04-24T19:11:46.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"78228","tags":null,"has_narrative":true,"complaint_id":"2886105","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2018-04-24T19:04:32.000Z","state":"TX","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Furthermore, I even informed them that I've reduced my credit limit significantly ( <em>over</em> 50 % ) in the <em>past</em> few <em>months</em> on my own and that my objective was clearly not amassing a huge credit limit that posed any sort of fraud risk. In fact, just a few <em>months</em> prior, I lowered the credit limits on 5 of  my <em>Chase</em> cards myself. \n\n\nI also explained why I had so many new credit accounts <em>over</em> the <em>past</em> few years."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[19.451738,"2886105"]},{"_index":"complaint-public-v1","_id":"15563473","_score":19.218462,"_source":{"product":"Checking or savings account","complaint_what_happened":"EIN XXXX I have small wholesale company called XXXX XXXX my EIN # XXXX My business account was closed by chase bank about month and half ago for no reason .. they still haven't provided me with any reason or explanation .. they said the fund will be mailed with in XXXX business days I called over 4 times in the past month and every time I was insured the check was mailed to my address and I even ask for the address to make sure they have the Right address which is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX they confirmed that as well .. they can check my call record and lookup my calls last call was mad on Thursday XX/XX/XXXX I called from XXXX.. I was told that if check wasn't received by Tuesday XX/XX/XXXX I should call back for them to resend the check... I called today and I was told that the check was never mailed and they are waiting to verified with check givers.. which is the people that they wrote the checks for me which they are business owner and they said there is 3 checks that need to be verified back from XXXX and XXXX which very old checks I have got checks from same customer after that and before and they are still my customers until today.. I have spoke with all of them today after I got this news and they have no problem verifying any thing to chase bank .. and they did give me 3 stores name that they are my regular customers the problem that im trying to work with customer service for chase bank and get thus results but they are make it so hard to work with they are not trying to verified any thing they keep saying they are calling but they not getting no answers .. my customers said they are waiting for phone call from chase and 2 of them they are actually chase bank customers as well and they confirmed checks are clear and they never reported any checks lost or stolen .. the check never have any reports .. those are my regular customers I visited every 2 weeks and sell them products and get checks and I already spoke with all of them and they doesn't have an issue confirming to chase bank whatever they want they even offer to speak straight with bank .. please help me figure out how I can fix this .. it's hurting my company and family I'm really tired of running around and every to time I'm told something different .. today first agent I spoke too she said 3 checks need to be verified then second lady said 1 check need to be verified I asked her about the other 2 checks she said she only worry about 1 checks so every time I call is something different from the other agent im lost and confused .. basically from what I understand they are trying to give me hard time to give up and walk away from them but it's not going to happen Please help me out that never ever happened to me or someone I know Thank you","date_sent_to_company":"2025-08-27T22:47:31.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"63010","tags":null,"has_narrative":true,"complaint_id":"15563473","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-08-27T22:24:24.000Z","state":"MO","company_public_response":null,"sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["EIN XXXX I <em>have</em> small wholesale company called XXXX XXXX my EIN # XXXX My business account was closed by <em>chase</em> bank about <em>month</em> and half ago for no <em>reason</em> .. they still haven't provided me with any <em>reason</em> or explanation .. they said the fund will be mailed with in XXXX business days I called <em>over</em> 4 times in the <em>past</em> <em>month</em> and every time I was insured the check was mailed to my address and I even ask for the address to make sure they <em>have</em> the Right address which is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX"],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[19.218462,"15563473"]},{"_index":"complaint-public-v1","_id":"7349706","_score":18.892689,"_source":{"product":"Mortgage","complaint_what_happened":"Back in XX/XX/XXXX, I applied for a loan modification through my lender JP Morgan Chase. I was approved and went through the trial payments in XXXX, XXXX and XXXX of XXXX. \n\nI was then required to send in the final modification documents to finalize the process and begin my payments with the new modified amounts and time frame on the loan. I originally faxed these forms in per the loan rep that I spoke to, which constantly was a different individual even though I was assigned a specific individual. I sent those documents via fax from a Chase Branch in XXXX XXXX, cause it was closest to my work location. \n\nI then contacted the chase Morgatge department who verified the documents were received and all papers was there and going to be submitted for final approval. At this point no issues were brought to my attention, no problems with the paperwork were mentioned. \n\nAbout one week after documents had been submitted, I again followed up on my modification, looking to speak to my assigned lean officer. She was not available per usual so I was offered to leave a message which to that day I have never heard back from her after leaving a message. I opted to speak with the next loan officer who became available. When that individual got on the phone they informed me there was a problem with my paperwork and that it was incorrectly submitted and that faxed paperwork would not be accepted. At this point 2 weeks were wasted due to being misinformed and misguided by the same people who are supposed to be helping through the modification process. \n\nI still had the original copies to finalize the modification and told them I would send them in immediately, in which I did roughly 1 hr or less when being informed. The original documents were sent via XXXX XXXX in the return envelope provided. These were dropped off at mail facility in XXXX XXXX Indiana, where I received a receipt and tracked. These were one day aired to Chase and I called again to verify it was received and that they were being re submitted for final approval once again. At this point there was over a week for me to get these papers in and I was assured by a random loan officer not my assigned officer that all should be good and if any problems arose I would be contacted. \n\nI again followed up myself cause I want to make sure this modification was done and I could breathe easy knowing that all was taken care of. Again my loan officer was not available and I was offered the next available representative and I took that option. Because at this point I never spoke with my assigned representative and was used to this process. I was told all the paperwork received was correct and I was good to go with my next payment being due on the first of the upcoming month in the new payment amount. \n\nI went into the XXXX XXXX  Chase on XXXX to make two mortgage payments and bring my payments up to date. Due to being out of town the past 30 days for family issues. I was told by the attendant that payment can not be taken and there must be an issue with my account. I then called to find out my loan went to the foreclosure process on XX/XX/XXXX. Confused I called in to find out I can reinstate my account for {$5600.00}. Then was informed that is all that is possible to bring my loan to current. \n\nI explained to the individual what I thought the account was at and she then noticed the modification process through the notes. She took a couple mins and said there was an issue with the final documentation and it was not received on time. I explained that was not the case not only do I have documentation of when it was sent in but also that I spoke with them numerous times before and after the documents were sent and received. Being distraught I let that individual go while I got my paperwork and thoughts in order. Around XXXX XXXX I called again to verify that nothing could be done and what I needed to do to stop the foreclosure. And was told I can start a new assistance application or pay the reinstatement amount of {$5600.00}. Was informed on how to get an application quickly and that was by stopping in a local branch. When I asked what happened with my final documents I was told unfortunately mistakes happen, misfortune and problems sometimes arise. He is very sorry that one of these took place but assured there was plenty of time to submit a new application. \n\nI find this excuse not only unacceptable but down right unprofessional and appalling. For over 7 years I have had this loan and made payments and due to unforeseen world issues had fallen behind and struggled over the past 2 years. Originally obtaining the loan I was categorized under XXXX  citizen tax rates due to the seller being given this rate. At closing I asked if that was the correct rate and was told confidentiality yes. Then 12 months into the loan received back tax notice where my mortgage doubled for 24 months. \n\nI fought my way through that misfortune, mistake and overlooked issue. Making all payments and catching up the loan. Feeling that this is all part of the lenders plan, seeing that multiple friends encountered the same problem. Now that we are where we are, I cant help but think misfortune tends to happen to the unfortunate. I could be wrong, but reapplying for loan assistance after jumping through all hoops and doing as I was informed would like to know why cant Chase be held responsible for mistakes they made on their end? Why do I have to accept things happen? They do it accept that as an excuse to not make a payment, or fall behind. \n\nEven at closing they decided to increase the already high down payment requirement which I understand was my fault due to credit issues. But the amount they increased it to just so happens to be {$100.00} less than what I currently had in there establishment. This was no coincidence, they knew what was available in my account and wanted all of it. \n\nFor years I have been trying to fix my homes assessed value on their end which happened to be exactly the amount of my loan. There is no way this is the case, I have had my own assessment value but Chase does not recognize that as the true value. This assessment of Chases cause me years of paying {$50.00} per month for insurance until 25 % of the home was paid for even though I was required to put 25 % down. \n\nChase has consistently screwed me over and over and I have finally had enough of this treatment for no reason other than for them to continue to rob funds form me for their benefit. \n\nThis needs to stop!","date_sent_to_company":"2023-08-04T07:55:43.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"60803","tags":null,"has_narrative":true,"complaint_id":"7349706","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-08-04T07:06:29.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>Chase</em> has consistently screwed me <em>over</em> and <em>over</em> and I <em>have</em> finally had enough of this treatment for no <em>reason</em> other than for them to continue to rob funds form me for their benefit. \n\nThis needs to stop!"],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[18.892689,"7349706"]},{"_index":"complaint-public-v1","_id":"9465585","_score":18.662575,"_source":{"product":"Checking or savings account","complaint_what_happened":"On Saturday XX/XX/XXXX. I walked into a Chase Branch with my mom who received a legal settlement check from her attorney whom Ive known for over 10 years. The amount was {$30000.00}. My mom and I presented our identification to the Bank representative and witnessed us both sign the check which was deposited into my savings account. The purpose of us doing this in person was to make sure the Bank would know everything is legit. The check was also from a Chase account. The Bank rep gave us a receipt saying it would clear on Wednesday XX/XX/XXXX. \n\nHowever that did not happen. I contacted Chase and they also verified it would be cleared that day. On XX/XX/XXXX my online profile was restricted due to what they said was a fraud alert when I spoke to customer service. They said they needed verify my identity which seemed weird but okay no problem. Representative said it would be resolved in 24 hours and everything would be okay. Later that day I started to receive emails saying my accounts were restricted and to contact customer service immediately to get it resolved. I called and all they could tell me is my accounts are restricted and chase is closing my accounts in 10 business with no reason provided. \n\nThey said they needed to speak with my mom to verify she was okay with me depositing the check which she did. I found that to be odd because we did this deposit in person at a branch with a bank representative. This has created a very negative experience for me and has impacted both my mom and I financially as we were planning to use some of those funds to help me pay past due rent to my landlord because I was out of work for 6 months and now working again. Ive tried to get this issue resolved with my no help and as a result I may lose my apartment because of Chase. I worked at Chase for 12 years from XXXX until XXXX so I am very disappointed this has happened to me and I am sure countless others. Chase seems to have gotten too big to care about its customers anymore and only focused on Shareholders and stock price valuation. This is not how you treat your customers and this policy needs to be seriously changed.","date_sent_to_company":"2024-07-09T13:59:05.000Z","issue":"Closing an account","sub_product":"Savings account","zip_code":"07601","tags":null,"has_narrative":true,"complaint_id":"9465585","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-07-09T13:40:39.000Z","state":"NJ","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["This has created a very negative experience for me and has impacted both my mom and I financially as we were planning to use some of those funds to help me pay <em>past</em> due rent to my landlord because I was out of work for 6 <em>months</em> and now working again. Ive tried to get this issue resolved with my no help and as a result I may lose my apartment because of <em>Chase</em>. I worked at <em>Chase</em> for 12 years from XXXX until XXXX so I am very disappointed this has happened to me and I am sure countless others."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[18.662575,"9465585"]},{"_index":"complaint-public-v1","_id":"3479162","_score":18.340565,"_source":{"product":"Mortgage","complaint_what_happened":"I have held accounts for over 20 years at both Chase Bank and XXXX XXXX XXXX Bank ( hereinafter \" XXXX '' ). I am a well established, reliable customer of each with no problems in my history. \nOn XX/XX/2019, I made a principal payment to my Chase mortgage in the amount of {$40000.00}. My check was drawn on my XXXX checking account, where sufficient funds were on deposit and fully available. Chase applied payment to my mortgage balance and it appeared the transaction was complete and clear. \nHowever, on XX/XX/2019 XXXX notified me that my check had been returned to Chase unpaid. On XX/XX/2019, Chase notified me the same, and reversed the amount credited to my mortgage account. \nI called XXXX first to ask the reason for the check being returned. After some research, XXXX advised me that the check was returned becauseChase did not endorse it on the back. Through XXXXwebsite I looked at the check image and saw that XXXX was correct : it had not been endorsed by Chase. \nI then called Chase to inquire. The initial representative could not answer my questions, so she passed me to XXXX in the Escalation Unit. It took a long time for XXXX to get back with me, possibly because of holiday season time off. On XX/XX/XXXX, I was finally able to get an answer from one of XXXX 's colleagues, XXXX. XXXX informed me of three things:1. My physical check was destroyed shortly after it was imaged at the bank, so it could not be presented again for payment.2. I would need to present another check to a Chase branch location, or find another way to make payment.3. Chase would not credit my payment as of XX/XX/XXXX, nor would they credit the interest charged on my mortgage for the past month. In other words, I would suffer financial loss for Chase 's mistake. \nFollowing that conversation, I drove to a local Chase branch to attempt another payment of the {$40000.00}. I asked the teller to make sure this check was endorsed before scanning it. The teller said her training was to NOT endorse checks such as mine, so she could not do so. Knowing that if I were to deposit another check, it would suffer the same treatment, I took my check back and went home. \nMy Chase mortgage carries an interest rate of 5 %, so as of XX/XX/XXXX Chase has wrongly charged me approximately {$160.00} in interest. Interest wrongly charged continues to increase each day by approximately {$5.00}.","date_sent_to_company":"2019-12-28T05:22:01.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"75023","tags":"Servicemember","has_narrative":true,"complaint_id":"3479162","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-12-28T00:04:32.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I <em>have</em> held accounts for <em>over</em> 20 years at both <em>Chase</em> Bank and XXXX XXXX XXXX Bank ( hereinafter \" XXXX '' ). I am a well established, reliable customer of each with no <em>problems</em> in my history. \nOn XX/XX/2019, I made a principal payment to my <em>Chase</em> mortgage in the amount of {$40000.00}. My check was drawn on my XXXX checking account, where sufficient funds were on deposit and fully available. <em>Chase</em> applied payment to my mortgage balance and it appeared the transaction was complete and clear."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[18.340565,"3479162"]},{"_index":"complaint-public-v1","_id":"2715920","_score":18.211626,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I have been attempting to make my car payment with Chase bank for over A month now. First I ran the payment through my bank, XXXX, and Chase never pulled the payment. Chase informed me that they were not able to get the payment to run through correctly. I then attempted to give them my debit card number over the phone to pull the money, which in the past I have always been able to do this with Chase if necessary. The chase representative advised that they will no longer use debit card transactions to take payments because it cost them too much money. After they were unable to pull from my bank I transferred the car payment funds to my husband 's bank account with our local credit union. We contacted Chase and provided them my husband 's bank account information to pull the payment and a week later the payment had still not been posted. We contacted Chase numerous times and they have gave us multiple reasons why they had not pulled the payment first they tried to tell us that it was because my husband 's bank rejected the payment request when they posted it we contacted my husband 's credit union and they advised that Chase has never made any attempts to pull that payment from his account. We call Chase back and then they say that perhaps they had the wrong account number my husband again confirmed for them the correct account number to pull the payment we waited again for another week and again no payment was a palled we called back they tried to tell us that the credit union advised there was no account for that number we again confirmed with Chase that they had the proper number and they assured us that they would try to pull it again. After another week went by we received a letter from Chase that stated they were unable to pull my car payment from the credit union again because the credit union refused their request. We contacted the credit union who again assured us that no request from Chase had been made and that they would even show us the reporting to show proof that Chase has never attempted to collect my bill. We called Chase back again and Chase confirmed that they did not know why the payment was not pulling from that credit union account. So We pulled the money from my husbands account at the credit union and transferred it back over to my XXXX account. We contacted Chase last week to have the payment ran through my checking account again it did not pull again We called Chase back at the end of last week the representative treated us like it was our fault the payment has been late and like we were doing something wrong they advised that we needed to perhaps open a Chase account to ensure the payment could be made or to visit a local Chase branch. We advise them that we do not have any chase banks in our area and that I do not have any other problems paying my bills through both the XXXX and the credit union account. Chase stated that for some reason they are not able to pull billing requests through GoBank to make payments I question how this is possible because I have had my GoBank account for two years now and in that two years I have made payments for my car through Chase. I advised Chase that I need to make my payment as I now have another monthly payment that is due and I am going to be going up against a 60 day late if they are not pulling my payments they assured me would be pulled. They told me I would need to send a XXXX XXXX payment to them to avoid re-possession of my vehicle really Chase I now have to pay a XXXX XXXX fee because you can not pull my payment from my bank account or my husband 's credit union account? I have been MORE THEN WILLING AND TRYING TO MAKE MY PAYMENTS!!! Additionally they charge me daily fees for being late and fees because they are unable to pull money from my account which have not even happened. I want any late fees removed from my Chase account immediately and any negative reporting removed from my credit. I want the CFPB to look into why Chase is not pulling payments from consumers bank accounts and then instead advising that the other financial institutions are not providing them access to pull those funds. This is an incorrect and in accurate statement by Chase they are using this to collect additional fees and to damage my credit I do not appreciate this and this is becoming financially devastating to me and my family.","date_sent_to_company":"2017-10-30T16:10:40.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"50208","tags":null,"has_narrative":true,"complaint_id":"2715920","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2017-10-30T15:47:40.000Z","state":"IA","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["I <em>have</em> been attempting to make my car payment with <em>Chase</em> bank for <em>over</em> A <em>month</em> now. First I ran the payment through my bank, XXXX, and <em>Chase</em> never pulled the payment. <em>Chase</em> informed me that they were not able to get the payment to run through correctly. I then attempted to give them my debit card number <em>over</em> the phone to pull the money, which in the <em>past</em> I <em>have</em> always been able to do this with <em>Chase</em> if necessary."],"company":["JPMORGAN <em>CHASE</em> & CO."],"sub_issue":["Billing <em>problem</em>"]},"sort":[18.211626,"2715920"]},{"_index":"complaint-public-v1","_id":"5580081","_score":18.19727,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Chases credit card incompetence is an unfair, deceptive, abusive burden to its customers. It retains and stores voice recognition recordings against my wishes for its own purposes, while violating my privacy and increasing my risk of identity theft and being the target of cyber crime through it. \n\nIt has repeatedly blocked my recent use of my XXXX XXXX XXXX card because a ship-to and bill-to address are different, with unfair, deceptive, abusive, and generally unreasonable explanations for denying use of the card. It widely advertises the card to be a general purpose credit card, yet repeatedly, unreasonably and habitually, had blocked me from using it. \n\nRecently, I tried to order a refrigerator and other items from different retailers, and have them delivered to a site for an apple orchard in rural, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). I have been trying to purchase a refrigerator for over a year, have had to contend with rampant fraud on the part of retailers who sell major appliances through their websites, take full payment for them, advertise highly deceptive delivery dates to make the sale, but in truth demand interest free loans in the form of full payments for merchandise that they dont have, do not know when they will have, and keep pushing delivery dates for fully-paid merchandise further and further away by months. No one is doing anything effective about this wide-spread rip off of consumers by major retailers such as XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX and others. \n\nIn the multi-year context of covid-created, widespread retail and consumer finance fraud, Chase takes the outrageous position that a large, nearly 28 sq. ft. capacity, refrigerator must be delivered to a tiny locked XXXX XXXX at a small, nearly one-room post office XXXX XXXX XXXX XXXX XXXXXXXX ) which is the secured billing address for my card. As the sole alternative, it demands that its bills go to an unsecured location, an unlockable mail receptacle for an apple orchard at the side of a major highway, a mailbox at the side of the road in a rural area that may be run over or hit by trucks frequently, XXXX XXXX XXXX XXXX XXXX with nothing better to do, disrupted by XXXX XXXX XXXX  looking for financial information they can run a scam with, or even torn apart by the occasional black bear that wanders through and damaged our orchard trees and destroyed our apiary a few years ago. The habitual denial of advertised services for the card because its billing address differs from the necessary delivery address for merchandise, is absurd and abusive on its face, but also discriminates against people in rural areas with legitimate security concerns that should not be forced to enable or coddle either the self-serving cunning, or the hapless stupidity of Chases credit card divisions, that routinely operate in an unfair, deceptive and abusive manner without consequence. \n\nNone of this begins to even touch on the poor operational payment software Chase has developed in its online banking portal which requires at least two different payment systems that dont communicate with one another for its XXXX XXXX card and XXXX XXXX XXXX cards, as just one example. Its operational dysfunction and poor payment programming dupe its customers, overly burden them and shift operational expenses to its customers by requiring them to troubleshoot its dysfunctional operations while it continues to escape the clear costs of reasonable working operations. \n\nGiven that these problems are habitual and wanton, the CFPB, in addition to other remedies, should effectively restrict the number of credit cards Chase is allowed to issue and have at any one time. It should, on a pre-scheduled time table, steadily reduce Chases number of credit card customers, cap it at a certain percentage of the entire market, in perpetuity, but keep reducing it until and unless Chase can get its act together without shifting operational expenses onto its customers. Market share among competing credit card issuers should be awarded in purportion to each issuer 's success at lawfully managing the accounts it has. When an issuer screws up, its market share should be quickly and reliably reduced ; when it is relatively complaint free, its market share should be allowed to expand. An unassigned market share could be held as a potential reward for reasonable, compliant behavior and a certain percentage from reductions in shares should cycle into and out of assignment, as different issuers fail to comply and then comply in good faith to regulatory standards and reasonable use standards. The CFPB also should, in perpetuity, force Chase to continue to pay its customers with double and more rewards points and other credits on its cards as described below. \n\nChase should pay me in double rewards points for each and every charge it rejected because the billing and delivery addresses on merchandise I tried to and will try to buy but am not allowed to for these ridiculous reasons, differ. This should deter arbitrary denials of use of the card from being a means to avoid granting reward points for purchases according to advertised programs. When I use reward points to purchase discounted gift cards, it should also make up for those discounts at double the discount rate. During the pandemic and given prolonged supply problems, I need various tools, construction elements and miscellaneous other items and increasing my ability to purchase them through Chases widely advertised credit card rewards program should be part of its sanction. As long as Chase continues to deny me usage of cards Ive been issued, for unjustified reasons, these remedies, in addition to others, should be applied and escalated and exponentially increased in the face of no or lagging corrections by Chase. \n\nFinally, it is long past due the time when Chase should have integrated its payment systems, such that I can pay any and all of my Chase credit cards through its long-standing bill payment system if I chose to do so. The failure of Chase to integrate its payment systems, combined with it not allowing me to pay XXXX XXXX XXXX XXXX Chase XXXX through the same means as the other two, is another absurd and deceptive ruse that is wholley for Chases benefit at the expense of mine, and more than once I have wound up overpaying or missing paying the odd-man-out card ( the XXXX XXXX card ), with adverse impacts on my credit reports. Chase should be made to correct the adverse credit reporting accordingly. \n\nGiven that I have reported this problem to Chase and the CFPB in the past and that the problem has not been corrected, it is fair to characterize this abuse to customers as flagrant, habitual and willful.","date_sent_to_company":"2022-05-19T17:48:29.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"215XX","tags":null,"has_narrative":true,"complaint_id":"5580081","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-05-19T16:40:43.000Z","state":"MD","company_public_response":null,"sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["Given that I <em>have</em> reported this <em>problem</em> to <em>Chase</em> and the CFPB in the <em>past</em> and that the <em>problem</em> has not been corrected, it is fair to characterize this abuse to customers as flagrant, habitual and willful."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[18.19727,"5580081"]},{"_index":"complaint-public-v1","_id":"3999370","_score":18.049051,"_source":{"product":"Mortgage","complaint_what_happened":"Re : Mortgage Application # : XXXX Property address : XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX We are writing to demand an immediate and satisfactory resolution to our mortgage application, and highlight deceptive trade practices ( false advertising ) that have gotten us to this point. \n\nBelow please find a summary of our Chase mortgage experience, along with greater detail that showcases false advertising, deception and delays that your mortgage team engaged in from XX/XX/XXXX to XX/XX/XXXX. \n\nSummary : We locked in a 7/1 ARM refinance rate with Chase, at 2.375 %. \nWe were offered 0.25 % lower mortgage rate in exchange for transferring {$500000.00} in investible assets to JPMorgan Chase. This offer was made by XXXX XXXX. \nWe were fully vetted and received a commitment letter, dated XX/XX/XXXX. \nWe fulfilled all requirements in commitment letter. \nWe were consistently met with no transparency throughout the process from XXXX XXXX after escalating to her - No opportunity to understand nor rectify any issues. No response from her supervisor, XXXX XXXX, when escalated. \nXXXX  income and employment status was verified by current employer multiple times. \nWe provided evidence of liquid and liquidable assets to repay mortgage balance in full as of start of loan, if necessary. \nWhat other issues on ability to repay are there? None provided by bank. \nLoan application rejected, ostensibly due to not having 2 years of tax returns for current employer - first time this information was communicated to us was XX/XX/XXXX, 5 months since we first started the process with Chase. \nNot a regulatory requirement as there are other means to verify income and employment over the past two years. \nWe have other methods of income verification - ex. 2 years of tax returns from XXXX with current employer These details are also filed in US tax returns Details : We were offered a lower rate on this mortgage by XXXX XXXX - if we brought over {$500000.00} in investible assets to JPMorgan Chase, we could buy down our rate by 0.25 %. We first began speaking with Chase in JXX/XX/XXXX, and locked in our loan in XX/XX/XXXX, due primarily to Chases slow-walking of our mortgage application. We received a mortgage commitment letter, which is attached, on XX/XX/XXXX, and have provided all information requested therein. Additionally, Chase, to our knowledge, has finished its due diligence on all of its items in the commitment letter. As of late last week, the Title Company that Chase had contracted with was in touch with us regarding Power of Attorney. \n\nWith little transparency, on the same day, XXXX XXXX from your mortgage department informed us that our mortgage was going to be rejected. The reason provided was not clear to us, but she referenced not having two years worth of my income. This was something that was addressed back in the summertime, long before our commitment letter, and long before we had wasted valuable time and energy to provide Chase with all of its requests, and meet with an appraiser at our home. \n\nThe underwriters were provided with documentation showing that we can have enough liquid assets to pay off the mortgage in full at the start of the loan, should there be a need to fulfill our obligation. \n\nXXXX income and employment were verified by her employer multiple times, as were her pay stubs. XXXX income in XXXX and projected in XXXX is over 125x more than the projected monthly estimated carrying costs associated with this loan. \n\nDue to the complexity of our assets and income, XXXX, hired by XXXX employer to file taxes, opted to defer filing taxes for XXXX. We have paid our estimated taxes, and have furnished all documentation Chase requested to show this, as well as the extension that XXXX filed. We are happy to furnish the tax returns in XXXX for both XXXX and XXXX should this be necessary. \n\nBetween income and assets, as well as propensity to earn income, in the event of losing income, we have liquid assets in the amount of approximately {$1.00} XXXX with additional real estate assets totaling $ XXXX, while our loan application was in the amount of {$850000.00}. If Chase had planned on not funding the loan due to questions about income or anything else, this requirement should have been disclosed at the beginning of the process, rather than after our assets were transferred to JPMorgan Chase ; after the commitment letter was issued ; and certainly after the Title Company was already in touch with us. \n\nOur negative experience, along with the false advertising, raises serious questions about whether this was part of a deliberate process by Chase to obfuscate and delay our mortgage process, while getting us enrolled in Chase Private Clients banking products by transferring significant assets over. We realize that Chase may not be profitable on a 7/1 ARM at 2.125 % ( 2.375 %, less 0.25 % that Chase agreed to allow us to buy down the rate ). We intend to submit all of our documentation and evidence of this to the Attorney General of New York, as well as the Consumer Financial Protection Bureau. Our documentation will show : Chase willfully engaged with us on transferring assets in exchange for the promise of a lower mortgage rate. \nChase was told in XXXX about our income situation. We further have recordings showing that Mr. XXXX was aware of this and it was not an issue. \nWe transferred nearly {$300000.00} to our Chase accounts in preparation for our mortgage, with our ultimate goal, and agreement from Chase, that these funds and others we planned to transfer were going to buy down our mortgage rate by 0.25 %. \nWe had expected this to close by XX/XX/XXXX, and were in close contact with XXXX XXXX, Mr. XXXX and XXXX XXXX about the status of our loan. At no time was it brought to our attention that there were any problems with our loan application. \nChase reassured us that the bank would pay for the extension when we raised the alarm that the process was taking too long as the fall months dragged on. \nDue to XXXX  travel schedule, and operating under the assumption we would close before XX/XX/XXXX, we reached out repeatedly in the past few weeks to Chase about how we go about setting up a POA. On the date XXXX left for a trip abroad, we were left in a lurch, with no one at Chase showing the courtesy of replying back to us or even acknowledging our last messages. \nOur commitment letter, dated XX/XX/XXXX, specified very detailed items needed and reasons Chase could cancel its commitment to our mortgage. The vague reason Ms. XXXX gave to us regarding the rejection was not at all included in this letter, and thus, we question the legality of Chase withdrawing and backing down on its word at this stage in the process. \n\nChases willful delays on this matter has cost us substantial savings, not to mention the time and stress we have invested, with the idea that we were bringing a sizable amount of capital to Chase Private Client and starting a long term relationship with your bank. We finish this long process not only furious with the lack of transparency but also the fact that we were apparently misled repeatedly in the process. \n\nBased on the commitment letter and the documentation we have assembled, we do not see any reason for Chase to decline the loan application. It is apparent that the purpose of this unnecessarily drawn out process was the intent to falsely advertise an appealing mortgage rate in return for our assets transferred, and to increase our AUM with Chase. We are a private bank client at XXXX  XXXX XXXX. Theres no other reason for us to become Private Clients at Chase, a major step down in benefits from what we receive with XXXX XXXX. \n\nPlease let us know if we should resolve this through legal means. \n\nPlease be reminded that this originated in XXXX XXXX  XXXX, and the XXXX XXXX XXXX Consumer Protection Law prohibits deceptive trade practice. \n\nSincerely, XXXX and XXXX XXXX","date_sent_to_company":"2020-12-09T09:59:05.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"06840","tags":null,"has_narrative":true,"complaint_id":"3999370","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-12-09T03:56:58.000Z","state":"CT","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Loan application rejected, ostensibly due to not <em>having</em> 2 years of tax returns for current employer - first time this information was communicated to us was XX/XX/XXXX, 5 <em>months</em> since we first started the process with <em>Chase</em>. \nNot a regulatory requirement as there are other means to verify income and employment <em>over</em> the <em>past</em> two years."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[18.049051,"3999370"]},{"_index":"complaint-public-v1","_id":"8521852","_score":17.488323,"_source":{"product":"Checking or savings account","complaint_what_happened":"Chase and Fraud Customer XXXX. \n\nI was a Chase employee until XXXX. I opened bank accounts that were \" free for life '' for employees. I had one checking account and did not want another, but the accounts were marketed as such. I actually opened multiples and a safe deposit box, but I closed some accounts because of the new Chase Bank fees. The terms of each account were \" no fee '' but Chase started charging fees on all accounts. I had four bank accounts. The fees were changed to {$30.00} dollars or less on some per month. ( Imagine Chase Bank doing that to millions of customers ' accounts. Yes, banks commit this fraud. ) The accounts were over XXXX XXXX XXXX. Just like many accounts XXXX opened for customers, they premeditatively marketed one thing but changed to another, as Chase Bank has consistenly done in the past. The problem is the bank \" knowingly '' does this. ( Look at past practices over history and long durations. ) Chase Bank created terms that allows them to charge fees later, but solicits no fees in the beginning. The communications to customers are that the terms are subject to change at any time. This is a broad term with a direct intent. But the only reason customers open accounts are because there are \" no fees. '' That is the reason \" no fees '' are communicated/marketed, and why there are no fees and the numerous amount of accounts that are opened. Banks opened these accounts for millions of customers, with the intent to lure customers in and to change to monthly fees later on. ( The legal definition of \" bait and switch. '' ) If \" no fees today '', \" the bank will charge fees later '', or \" postponed fees '' were marketed customers would not have opened the accounts. That is why Chase Bank did not market those terms. Chase Bank has a track record of doing exactly that. The customers opened the accounts believing the business would exercises \" good faith. '' This is why the terms are of the accounts are written as such, because they don't have the intent to exercise \" good faith '' in finance or insurance since they have that license also. ( There are definite legal issues on many scales. ) The intent to deceive is there on day XXXX or even before. ( This is clear intent on \" bait and switch '' based on prior history. ) The fraud is something that has been done before in other new account campaigns, in the past over many decades. This is fraudulent marketing with intent, a \" bait and switch. '' It is definitely false and deceptive practices on a massive scale on the public. Chase Bank has made billions of dollars in revenue from the fraud and it is part of regular practices. \n\nI decided to write to the bank since incurring fees and to many agencies addressing the fraud. I would like to say things imporoved or at worst, nothing happened. I decided not to pay the fraudulent and unauthorized fees but Chase Bank closed my account. Not only did communications to other organizations amount to nothing ( state/federal/private ) but the bank took further malicious actions after communicating their deceiption and fraud in writing. \n\nNot only are my accounts, that were long standing closed, but I also do not have years of banking records from my Chase bank accounts. I can't logon online and see all my transactions and records for the past XXXX or more. These are all based on the fraud that Chase Bank has been permitted to exercise as their normal course of business. There has been no ethics or morals inolved with the corporation. \n\nI actually had direct deposit to the accounts initially. But when Chase Bank started stealing money with the fraud and deceptive practices, I stopped the direct deposits. I was not going to willingly and actively participant in Chase Bank fraudulent acts. I never agreed to them charging fees on my accounts. That is why the accounts were not opened prior to the free accounts. Chase Bank exercised fees that without my consent. \n\nI won't get into the fraud they executed in XXXX, acquiring XXXX  XXXX and stealing XXXXXXXX XXXX XXXX in assets from the shareholders. They did not buy back the shares of stocks from the employees who owned shares or replace them with Chase stock in the company, which included myself. Instead, Chase stole the shareholders money and under the guise that Chase Bank was strong and solvent in the financial crisis and allowed XXXX  XXXX employees to continue to buy stocks while they were going to liquidate the assets. But JP Morgan ChaXXXX was later found to have falsely accounted ( or not accounted ) for billions of dollars in losses, so that they could be in financial situation to steal the assets of XXXX XXXX in the first place. How does the largest bank, a global corporation, with numerous accountants and licensed CPAs ( plural ) and XXXX XXXX XXXX, have misplaced billions of losses? No person or corporation mistakenly finds XXXXXXXX XXXX XXXX in losses. That amount collapses economies. That is not even in today 's dollar, it is worth in more XXXX XXXX 15 years ago. Frauduletly stealing XXXX XXXX XXXX  15 years ago is like XXXX XXXX in the present day. But correcting it later on paper only reflects the lesser amount. How is that swept under the rug? How isn't that a massive XXXX? It is massive in the law books as well as in accounting. It is unethical and immoaral at that. Not one accounting firm or law practice addresse it. If a group of people logged on and took billions from chase and added that is an expense account so many federal agencies and congressional hears would pursue that group and people. That is a lie/fraud/ and deceptive to the SEC, other federal agencies, the financial markets and stakeholders.C Correctly reported, the share price for JP Morgan Chase would have been less and people buying those shares would have paid less and had more shares. Those shareholders bought shares at a premium due to misinformation, and once corrected the shares lost value or the cash on the books was higher beccause the money defraud through false reportings. The CEO and executives had zero accountability with the fraud. \" Pump and dump. '' Is this all normal practice and regualar course of business for corporations? If they would have correctly reported their earnings and losses to the people and the government Chase Bank would not have been the bank in the situation to acquire XXXX  XXXX XXXX  ( fraudulently ) and steal from the shareholders. They hacked the system. In reality, those stolen assets were used to stablize Chase Bank and the XXXX of losses by using another fraud. There is a XXXX employee webpage of employees who lost large amounts because of Chase Bank. But the corruption from bank does not stop and has become part of Chase Bank 's normal practices.","date_sent_to_company":"2024-03-12T00:58:01.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"78572","tags":null,"has_narrative":true,"complaint_id":"8521852","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-03-12T00:53:28.000Z","state":"TX","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["before in other new account campaigns, in the <em>past</em> <em>over</em> many decades."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[17.488323,"8521852"]},{"_index":"complaint-public-v1","_id":"16752672","_score":17.097982,"_source":{"product":"Checking or savings account","complaint_what_happened":"Abuse of power : Consistent and unlawful lockout of accounts at JPMorgan Chase Bank N.A for XXXX months. \n\nI am a XXXX veteran, and a Washington XXXX XXXX, with a documented XXXX that includes XXXX XXXX XXXX XXXX XXXX. I have been denied account access for the last XXXX  months, and have been consistently locked out of my account for months at a time, with no valid reason, explanation, or purpose. I currently have had no access since XX/XX/XXXX. And Chase Bank has made no valid attempt to assist me in regaining access, but instead, denies every attempt I make at access or validating the account. \n\nSince, according to online AI polls, Chase Bank has one of the highest ratings in consumer satisfaction, I can only assume that this problem I am experiencing is targeted to me, for whatever reason, and I therefore find it discriminatory, predatorial, and abusive in nature. \n\nLet me first establish that this flagrant abuse of power is not an isolated incident. In XXXX, I experienced a similar situation with their predecessor, Washington Mutual Bank, who seized all my CDs, Mutual Funds, and cash accounts, claiming that I was under investigation for fraud. As a single parent then of XXXX young children, I was forced to spend XXXX days on {$40.00} ( which I had in cash ), and run around to the various federal agencies to prove my identity, to regain access to my accounts. And even after doing so, the personnel at Chase Bank made the withdrawal process anything but smooth. Despite the fact that I had been a long-standing customer of XXXX  years. \nFurther investigation with the aid of a lawyer, proved that the fraud was an inside job, where WAMU had permitted someone to use my SSN ( I already had a well-established account at that bank ), who then swindled the bank of several XXXX dollars. WAMUs intention was to recover the funds by seizing my accounts for repayment purposes, unless I could prove that the thief was not me, and/or that I was not an accomplice to the crime. The current situation a startling degree of similarities that make this too reminiscent for comfort. \n\nThe following chronology relates to my current bank account with Chase Bank, and the collection of events that culminates in the filing of this complaint and request for assistance in retrieving full account access, withdrawal of my funds, and compensation from Chase Bank for the costs incurred, loss of interest, loss of opportunity, and emotional and psychological distress the prevailed for 18 months. \n\nHistory of my Chase Bank account I have had an account with Chase Banks since their assumption of XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, and have been with XXXX some XXXX years prior. My account information has been very stable and consistent, other than a court ordered name change in XXXX. I have had the current email for some XXXX years, and the previous one for about XXXX years. My telephone number was added in XXXX, and remained constant until XX/XX/XXXX, when I decided to change my contact preferences with Chase Bank. \n\nOver the last year, JPMorgan Chase Bank has repeatedly and incessantly, without just cause, valid reason, explanation, or discretion, blocked access to my account and restricted access to my personal data, and on multiple occasions, accused me of fraud and criminal activity. The frequency has increased within the last 6 months, and intensified from XX/XX/XXXX to current, despite multiple visits to the branch for ID verification. \n\nAdditionally, Chase Bank has mandated account authentication by cell phone only, and most recently, have instituted the rule of access by Smartphones only ( disclosure dated XX/XX/XXXX, and implemented on XX/XX/XXXX ). Their authentication practices, and denial of access to my personal data and funds has proven to be discriminatory, excessive, undue, unreasonable, without just cause, and in clear violation of several state and federal laws, to include those under the ADA Act, E-Sign Act, WA RCW 49.60, FTC laws, CPA, and the ECO Act. \n\nOverview and current status Due to the frequency of these barriers that Chase implemented, I was forced to abandon my research project abroad, and returned to the XXXX in XX/XX/XXXX, to visit the branch in XXXX, Georgia for the sole purpose of updating my account information, cards, ID verification, and satisfying Chase Banks demands for in-branch verification. I also updated ( added ) a cellular phone number on the account ( XX/XX/XXXX ), and conducted a few in-branch transactions during that time. But the situation worsened instead of improving. \n\nIronically, instead of decreasing the lock-outs, the fraud allegations and lockouts increased in frequency and severity, to XXXX XXXX of XXXX XXXX times in the same day. I currently have no access to my accounts, and have had none since XX/XX/XXXX. Despite a multitude of phone calls, visits, and even instituting a POA to satisfy the unreasonable fear-inducing demands by Chase Bank XXXX XXXX have been consistently denied access to and usage of the accounts. \n\nI will begin by outlining the most recent events and travel back to 18 months of history. \n\nRecent events ( XX/XX/XXXX - XX/XX/XXXX ) XX/XX/XXXX NO ACCOUNT ACCESS, NO COMMUNICAITON FROM CHASE BANK, & CONTINUED DENIAL OF MY POA. To date, Ive received no communication from Chase Bank to resolve this matter or to acknowledge me or my XXXX of Attorney. I have no access to the account, by any means, and am unable to access funds, or to pay the credit card bill, which came due on XX/XX/XXXX. \n\nXX/XX/XXXX ONLINE ACCESS DENIED. The status quo maintains. \n\nXX/XX/XXXX FOURTH EMAIL TO CHASE to XXXX about the status of the account and POA document. Chase Bank ( Chase XXXX XXXX ) responds that ( after 4 days of looking at it ) the delay is because the POA document was not properly executed or properly notarized and it is missing Signature ( XXXX ) such as a witness portion. I resent the POA and indicated that the witness block with a signature is in plain sight, right below my signature, and right above that of the notary. Making both witnesses very difficult to miss. Essentially, the document has XXXX signatures, although per the state of WA requirements, it requires only to be notarized. To date, there has been no response from anyone at Chase Bank, neither to me, nor to my POA. \n\nXX/XX/XXXX CURRENT STATUS : NO COMMUNICATION FROM CHASE. NO ACCESS TO MY ACCOUNT. DENIED MY POWER OF ATTORNEY ACCOUNT ACCES. DENIED ACCESS TO MY FUNDS, ACCOUNTS, AND PERSONAL DATA. \n\nXXXX XXXX ONLINE ACCESS DENIED. The status quo maintains. \n\nXX/XX/XXXX, IN-BRANCH DENIAL OF ACCESS TO FUNDS. My daughter and XXXX, visited the XXXX XXXX branch and requested to be added to the account and to withdraw the funds in the account. Her contact information ( phone and email ) was added to the account, but she was denied access, pending Chases examination of the POA by their legal department. She was told that she will have to wait to see if they would approve it before she can withdraw the funds. \n\nXX/XX/XXXX, THIRD EMAIL TO CHASE BRANCH XXXX and other clerk, RE : CHANGING COMMUNICATION PREFERENCE AND ADDING POA. Although the clerk assisted my XXXX in the branch when she visited the branch, and continues to communicate with updates, to date ( XX/XX/XXXX ) Ive received NO EMAIL RESPONSE FROM THE BRANCH XXXX, nor any other Chase Bank department to offer resolution, assistance, or provide me with alternate methods of accessing the account or funds in the account. \n\nXX/XX/XXXX SECOND EMAIL TO CHASE BRANCH XXXX AND copied to other clerk REQUESTING ASSISTANCE. The other bank XXXX responded with further contact information, but NO RESPONSE FROM BRANCH XXXX. \n\nXX/XX/XXXX EMAIL TO CHASE BRANCH XXXX. ( XXXX ) Requested assistance to access my funds ( XXXX ) informed her of my phone difficulties and my intention to appoint a POA ( XXXX ) asked her guidance on the XXXX, if Chase has specific requirements. NO RESPONSE. \n\nXX/XX/XXXX EMAIL TO CHASE ( Account XXXX ), reported account status. He responded with the branch managers information. \n\nXX/XX/XXXX ACCOUNT BLOCKED FOR SUSPICIOUS ACTIVITY. I spent approx. XXXX minutes on an international call. No resolution. Spoke with XXXX, then XXXX, then finally XXXX. XXXX put me through a series of steps to authenticate the account, stating that I have a limited time to answer the questions and I must get them correctly in order to be authenticated. \nThe questions were about mortgage companies from the past about homes I never owned ; addresses Ive been associated with ranging from history within the last 5 years ; online code on the account ( which Ive never used and dont even know if I have ) ; and a variety of address with which I have no association. This method proved to be interrogative, terror-inducing, and harassing ; as I am forced under duress to have instant recall, with surgical precision, my association with names and addresses that I never even knew, under penalty of being labelled fraudulent and being denied access to my accounts, pending investigation. \nAt the end of this interrogation, XXXX stated that she could not access the account, therefore she has no information to give me and that I must wait for the fraud department to complete their investigation and contact me BY PHONE ONLY at the XXXX ( TRUSTED ) TELEPHONE NUMBER. Further, she cautioned that if I do any more activity on the account that it will make the situation worse, and that I am not to attempt any further access to the account, in any way, and I MUST wait until the review is completed. She ended with the promise that I will hear back from them within XXXX hours. To date, I have no follow-up communication from Chase Bank XXXX XXXX this. Neither by phone, email, or postal mail. \n\nXX/XX/XXXX DECLINED CREDIT CARD APPLICATION. I received XXXX letters by postal mail, from Chase Bank, stating that, a. They declined my Credit Card application because of an email that was returned to them ( XXXX XX/XX/XXXX ), the same email to which they sent XXXX spam messages, and the same email ( XXXX XX/XX/XXXX ) that acknowledgements receipt of the application made on XX/XX/XXXX. \nb. They declined my Credit Card application because they suspect that someone has stolen my identity ( XXXX XX/XX/XXXX ). But they gave no reason for such an outlandish suspicion. \n\nXX/XX/XXXX, DECLINED PURCHASE. I called Chase, spoke with XXXX, he stated that he does not see an amount coming through from the merchant, although he does see the declined payment to that merchant. He stated there is no problem at their end and I should try it again. I did, but the charge was again declined. I RECEIVED NO ALERTS, NOTIFICATION, OR ANY COMMUNICATION FROM CHASE, NEITHER BY EMAIL OR TEXT. \n\nXX/XX/XXXX, PHONE CALL FROM CHASE REGARDING ACCOUNT RESTRICTIONS. Their agent, XXXX, called regarding the case that the XXXX had filed at the branch. Said she will escalate it and do more research with her team. Although I requested email communication, and confirmed with her that XXXX of the phone numbers on the account is no longer working and that the other is troublesome, she stated that she is limited to contacting me at the registered phone numbers on the account. She gave no further solutions or advice on how to resolves these problems. \n\nXX/XX/XXXX PHONE CALL TO CHASE I SUCCESSFULLY completed a Balance Transfer request on the credit card. ( XXXX + XXXX ). \n\nXX/XX/XXXX IN-PERSON AUTHENTICATION. Went into XXXX XXXX branch and spoke with account XXXX, who rang the XXXX department. It took about XXXX minutes and a series of interrogatory questioning to complete this authentication. The agent refused to explain the consistent lock outs, or to provide any personal data, especially about the IPHone XXXX that was connected to my account authentication. The process was solely an intense interrogation process, despite the fact that I was physically in the branch with multiple pieces of state and government ID. Nevertheless, after all this, I presumed that all was set. I tested the account online and confirmed that access was restored. NO REASON OR EXPLANATION PROVIDED FOR THE XXXX AND CONSISTENT DENIAL OF ACCESS TO THE ACCOUNT. \n\nXX/XX/XXXX - DENIED ACCESS PENDING BRANCH ( IN-PERSON ) AUTHENTICATION. I tried to log into the account to authenticate my new debit card, Chase authenticated me by a code to my PIXEL XXXX cellular phone, but I still had to call them for full authentication. I called Chase and spoke with XXXX. She authenticated the debit card, then transferred me to the credit card agent, XXXX, to discuss balance transfer information and details about the credit card arrival. Despite Chase verification by cellular phone, I was still put through a series of questions regarding my past personal history, before agent can fully authenticate me to discuss my questions about a balance transfer offer on my credit card. \n\nXX/XX/XXXX, XXXX ACCOUNT BLOCKED FOR SUSPICIOUS ACTIVITY. I rang Chase and was immediately routed to the fraud department ( although I rang their normal phone ). She stated that Chase only locks the account due to some type of online transactions like XXXX, XXXX, XXXX or XXXX. I confirmed that I did no such activity and in fact, I had a conversation XXXX hour ago with a representative ( XXXX ), who had already fully authenticated the account by phone. She states that the only verification she is allowed to send me, is a notification to my iPHONE XXXX, and that I must look for it, as she can not keep sending it. \nI explained that I do not now, nor ever had an XXXX XXXX, nor have I ever used mobile banking. \nAt that point she refused to further talk to me, stating that this device ( XXXX XXXX ) is connected to my verification process, and I must visit the branch with XXXX pieces of ID. She refuses to use the telephone numbers or email, which are all registered in the account, and states that accounts are only locked due to transactional failure or some other reason, which she can not verify on my account because she can not access the account, since XXXX XXXX have an IPhone XXXX. She refused to talk with me further, or answer my questions regarding the reasons for the consistent account restrictions, but insisted that I must visit the branch. \n\nXX/XX/XXXX, XXXX, UNSUCCESSFUL ONLINE LOGIN, XXXX, Trouble with online login, even though Chase successfully XXXX a verification code to my XXXX Pixel XXXX XXXX phone, I had to call them for full authentication. XXXX verified the account through further questioning ( authentication ) and I accessed the account successfully. \n\nXX/XX/XXXX Applied online for XXXX XXXX Credit Card. Received email from Chase that they received the application. \n\nXX/XX/XXXX SUCCESSFUL login online, WITHOUT ADDITIONAL AUTHENTICATION. \n\nXX/XX/XXXX - Added a cellular number. Chase acknowledged it by email, and by using it to send me account verification, but disacknowledges it thereafter when authenticating the account. Therefore, adding a cell phone, created new problems for me. Chase stated that it is a new number and that it takes about 60 days to get in the system. They would deny its existence as a registered phone number on my account, even though we can all clearly see it in the account data, and they use it as a means of sending me a verification code. I have many text messages to verify their usage and acknowledgement, and an email acknowledging its addition. \n\nPast Events ( XX/XX/XXXX - XX/XX/XXXX ) During this period, I have had VERY LIMITED ACCESS TO THE ACCOUNT, and therefore little need to use it except to pay the credit card bill, which I paid often by using the automated phone system, as Chase Bank consistently and continuously blocked access to the account, by refusing to use any other form of authentication other than an out-dated phone number on the account. Despite their being XXXX phone numbers on the account ( to include the one which has been on the account and in use for more than 20 years ). \n\nWhen I was able to access the account online, they RESTRICTED MY ACCESS TO REMOVE/ UPDATE THE PHONE NUMBER OR EMAIL ADDRESS, a message would appear that I have to call them to make these changes to the account. \nPHONE CALL. When I did call them, their agent could not fully authenticate me, as they would insist on sending a code, link, or phone call to the out-dated number, since as they claim, their system limits them as to which authentication method to use, and randomly selects the out-dated phone, but disallows others methods, or phone numbers, for authentication. With each agent, the authentication method is equally different and random. \n\nSUMMARY OF ACCOUNT USAGE OVER XXXX MONTHS ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX credit card usage/ XXXX XXXX denial. Ive successfully processed XXXX transactions over the last XXXX months, to my credit card, out of XXXX attempted transactions. \nXXXX XXXX  denial of access for the checking / savings accounts. \nXXXX XXXX  credit card account payment. Consistently paid my credit card bill, on-time, more than minimum payment, despite being locked out of the account. \nXXXX XXXX overall access to account. Been denied access to account and personal data, criminalized and Investigated XXXX XXXX of the time over 18 months. \n\nChase Bank XXXX benefit XXXX XXXX  benefit to Chase Bank XXXX Received in excess of XXXX SPAM emails from Chase Bank, of a total of about XXXX emails. Only XXXX emails bore any validity to my account. \nXXXX XXXX benefit to Chase Bank, for having the use of my funds for XXXX  months. \n\nClearly, the benefit of these accounts and data usage to Chase Bank far exceeds any benefit I am receiving.","date_sent_to_company":"2025-10-22T17:28:03.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"98499","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"16752672","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-10-22T16:25:01.000Z","state":"WA","company_public_response":null,"sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["Abuse of power : Consistent and unlawful lockout of accounts at JPMorgan <em>Chase</em> Bank N.A for XXXX <em>months</em>. \n\nI am a XXXX veteran, and a Washington XXXX XXXX, with a documented XXXX that includes XXXX XXXX XXXX XXXX XXXX. I <em>have</em> been denied account access for the last XXXX  <em>months</em>, and <em>have</em> been consistently locked out of my account for <em>months</em> at a time, with no valid <em>reason</em>, explanation, or purpose. I currently <em>have</em> had no access since XX/XX/XXXX."],"company":["JPMORGAN <em>CHASE</em> & CO."],"sub_issue":["<em>Problem</em> accessing account"]},"sort":[17.097982,"16752672"]},{"_index":"complaint-public-v1","_id":"14971990","_score":16.865828,"_source":{"product":"Credit card","complaint_what_happened":"XXXX'I am 14 weeks into endless problems with dishonest and incompetent customer service from Chase (XXXX) card services.\\n\\nThey have continuously changed their story on what charges they can and cannot contest, timeframes, and what they are even doing on my behalf.\\n\\nThey cancelled a card without asking, for no good reason, and INVENTED a reason.\\n\\nThey contested charges they were told explicitly NOT to contest, on multiple occasions.\\n\\nTheyve lied about call-backs and supervisors and Managers that may not even exist, the departments are not talking to each other, and sometimes dont even know which department theyre working in.\\n\\nAgents and alleged supervisors are not actively listening or comprehending or cooperating, even arguing Im the one who is not listening and even complaining about going in circles when their answer does not address a question.\\n\\nI sometimes have to ask a question several times, then TELL THEM I AM ASKING A QUESTION, and still cant get a straight answer.\\n\\nThey cant focus and conflate different stuff. CONSTANT runaround, passing the buck, transfers, stories too complex for simple minds, so XXXX  XXXX  things up even more, making it more complex for the next simple mind.\\n\\nTheir clueless incompetence has wasted somewhere around 40+ hours of my time, trying to herd the kittens and get them to function.\\n\\nIt is VERY aggravating, doubly-so when they get me so frustrated as to yell and cuss at their dysfunction, and THEN they insult with pretense that theyre professionals.\\n\\nIn over two months, it has become clear nobody is in charge, there is no accountability, and no integrity. They repeatedly lie about promised call-backs from Managers and later tell me there is no Manager. \\n\\nI cant trust a thing they say, and have lost confidence.\\n\\nCard Services is also firewalled from the bank, so Chase Bank is doing nothing to help.\\n\\nI have sent letters to card services and corporate, only to learn they gave wrong addresses. Ive gone to a bank location and had the Manager fax same letters to Chase.\\n\\nThe closest thing Ive gotten to a response is a warning letter about inappropriate conduct with our employee(s).\\n\\nChase Card Services has NOT behaved professionally or appropriately.\\n\\n\\nInitially, a resolution would have been to resolve the XXXX  dispute that started the whole mess in the timely manner they had iniitially promised.\\nLater, after they started tampering with my account, resolution would be about them getting their act togfether.\\n\\nNow, resolution involves establishing some form of customer service, with competent agents that can actively listen, and a means of someone owning a case to establish accountability.\\n\\nAnd a final resolution to the ongoing XXXX  dispute (too complex to offer details in this forum, as it gets more complex with more run-around), so that it doesnt continue into a fourth or fifth or sixth, etc month.\\n\\nAND COMPENSATION, AT THIS POINT. 40+ hours of my time, unpaid, dealing with paid incompetence.\\nMy Craigslist account remains blocked until resolution, preventing me from advertising my services: Lost income.\\n\\n\\n\\n\\n\\n\\\\\\n\\nThese are the letters I sent, trying to get help after finding Chase Card management futile:\\n\\nto:\\tCHASE BANKXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXFAILING CUSTOMER SERVICE, ALL DEPTS\\n\\n\\nSirs:\\n\\nI write this letter as a desperate last-resort. All other efforts to deal with customer service problems simply redirect me back to the people who are the problem.\\n\\nFor the last two months or so, Ibe been having some profound difficulties with OUT-OF-CONTROL  broken and dysfunctional customer service, across-the-board. \\n\\tAgents and supervisors are not listening or comprehending or cooperating, stories are constantly changing, everyones transferring and passing bucks, running me around and throwing me back down the proverbial rabbit-hole. Agents dropping and abandoning calls, unable and/or unwilling to finish conversations, frequently having to start over with multiple calls over course of a few hours to get anywhere.\\n\\nAgents and supervisors are very unhelpful when they change their stories, lie, make stuff up as they go along, and invent false narratives, based on their incomprehension, tamper with my account, contest charges and cancel card AGAINST MY EXPLICIT INSTRUCTIONS, ignoring me and hanging up.\\n\\tCustomer service agents are conflating Fraud and Dispute, with no sign of coordination between departments or effort to coordinate disputes with vendors.\\n\\nThe countless aggravating hours of runaround with agents and supervisors who cannot listen or understand and therefore cannot know what theyre even doing, having to explain things 3-4 times and then the agent asks again; asking questions over and over again without getting straight answers - HAVING TO TELL THEM I AM ASKING A QUESTION, THEN HAVING TO EXPLAIN THEIR EVASIVE ANSWER DOES NOT ANSWER ANYTHING. Empty promises of call-backs.\\n\\tLack of functional cooperation gets me yelling, and as it continues, sometimes cussing at them, and then they compound the insult by pretending to be professionals. Which simply means they dont know what the word even means.\\n\\nONE issue is an ongoing dispute with XXXX.\\n\\tIt came to my attention that multiple listings for my services (XXXX XXXX XXXX XXXX) were missing the sample images of my work. XXXX  identified it as a bug, but wouldnt discuss how long the problem has been going on.\\n\\tWith no idea how long Id been paying $XXXX/month for broken listings, I contacted Chase XXXX XXXX inquiring how many months or years we could go back in contesting charges.\\n\\tI was originally told indefinitely, but need to pull records for beyond 3 years.\\n\\tIt then changed to 3 years, then to 6 months, then to 3 months, then back to 6 months.\\n\\nI was then told the process should only take a couple of weeks, maybe a month for it to show on my statement.\\n\\tBut then only a few showed on the statements, now the story was it would take a second month, and with the lack of coordination, stories from XXXX  and Chase contradicting each other, disputes being contested, Chase is not telling me it could take yet another 2-4 months.\\n\\n2 months of listings (XXXX XXXX) are confirmed as credited, but the remaining 4 months XXXX XXXX) remain in chaos, (XXXX $XXXX  listings, $XXXX  XXXX, with Chase burying me in individual piecemeal letters I cant keep track of. Meanwhile, while I REPEATEDLY tell them NOT to contest the charge in XXXX, I get a notice theyre contesting AGAINST MY EXPLICIT INSTRUCTIONS.\\n\\tCustomer communication on progress is very opaque, I only know what agents are willing to tell me, and with changing stories and contradictions, I cant trust what they say.\\n\\nAnd while the dispute process swirls in apparently-uncontrolled chaos, this threatens my livelihood as I spend hours struggling to herd your kittens.\\n\\tAND XXXX  is blocking my account indefinitely until this is resolved, so even with their bug fixed, I cannot post new listings advertising my services. With this threatening to drag on indefinitely, your dispute process is growing prohibitively expensive, vastly greater than the amount disputed.\\n\\tThings have gotten so messed-up XXXX  may never re-open the account, so your damage may be permanent.\\n\\nAgents are giving contradictory stories, one claiming Chase was contesting the charges as fraudulent instead of not providing services (or whatever your term is), AND IF YOU ARE DISPUTING CHARGES ON WRONG BASIS, IT IS LIKELY TO MAKE THIN GS NEEDLESSLY MORE COMPLEX. \\n\\nANOTHER issue is an account hack last May.\\n\\tSomeone hacked my Amazon account, including my XXXX XXXX  handled contesting the fraud, and I contacted Chase to cancel and replace the card. This was not a problem, until XXXX  goofed and the charges showed up in my statement.\\n\\tI contacted XXXX  and advised them of this, and they started the process of correcting the error.\\n\\nThings immediately started going wrong when I contacted Chase about the same thing. \\n\\tAs far as I can tell, the agent was again not listening, couldnt follow the explanation, and CANCELLED THE REPLACEMENT CARD without asking - hanging up on me as I plead with him not to do so. Supervisors responded to complaints with a FALSE NARRATIVE, seemingly based on the agents incomprehension of the conversation. A subsequent supervisor lectured me with that false narrative, as if I were the one who had no clue.\\n\\n\\n\\nChase XXXX XXXX customer service seems to be afflicted with what Ive come to call XXXX XXXX XXXX XXXXe, staffed with improperly trained and unqualified agents who compound and exasperate problems instead of helping.\\n\\tLazy-listening practices, over-reliance on scripts they may not understand, thoughtless and insincere non-apologies such as Im sorry you feel that way, and making customers have to repeat themselves and start over and over, getting themselves into a bunch when they cant listen or understand or cooperate.\\n\\tDemanding a higher level of respect than they can show for the customer.\\n\\nThis is all compounded by departments being fire-walled from each other, no coordination.\\n\\tNo accountability or responsibility for actions.\\n\\n\\nIF CHASE BANK IS UNABLE TO FUNCTIONALLY OR COMPETENTLY CONTEST CHARGES IN A REASONABLE TIMEFRAME, IT MAY BE SIMPLER, MORE PRACTICAL, MORE EFFICIENT, AND MORE ECONOMICAL TO SIMPLY REIMBURSE ME THE $XXXX  BALANCE, CANCEL THE DISPUTES, AND ALLOW ALL PARTIES TO MOVE ON.\\n\\tWhich would open the door for XXXX to unblock my account and help allow me to make a living.\\n\\nAND IF CHASE AGENTS AND SUPERVISORS ARE UNABLE OR UNWIL;LING TO COMPETENTLY PROVIDE THE SERVICES FOR WHICH THEY ARE PAID, WHILE GOBBLING-UP TIME CUSTOMERS COULD OTHERWISE USE MAKING A LIVING, PERHAPS CHASE BANK SOULD CONSIDER DOCKING THE NONFUNCTIONAL AGENTS PAY AND REDIRECTING TO CUSTOMERS AS COMPENSATION FOR THE MANY HOURS THAT COULD OTHERWISE HAVE BEEN SPENT EARNING INCOME.\\n\\n\\nPLEASE coordinate between departments and with involved parties, get your acts together, show some of the professionalism the agents invoke, and do what is needed to expedite things.\\n\\n\\nSincerely, \\n\\n\\n\\nto:\\tCHASE EXECUTIVE OFFICE\\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXMy ongoing desperate effort to get some semblance of competent and/or functional support out of Chase-XXXX  remains unresolved. \\n\\tAgents and supervisors are unable to or refuse to practice active listening, cannot comprehend or cooperate, and therefore literally do not know what they are doing.\\n\\tDisputes Dept passes the buck and transfers to Fraud, and Fraud passes the buck and transfers to Disputes. When I call Fraud directly, they tell me I am talking to Disputes, and try to transfer me. When I tell them I called Fraud, not disputes, they argue, sometimes relent and magically become Fraud.\\n\\tI keep getting told I need to speak to the right person and transferred to another agent who tells me I need to speak with the right person. Each iteration of the runaround can take up to half an hour as agents make me start over and over and over and over and over again from scratch explaining things they dont even try to understand before throwing me back down their rabbit-hole to start over with a different agent.\\n\\tRunning me in circles over things they dont seem to want to understand. While I understand it is difficult for simple people to handle a complex problem, it is the simple people who have made it so complex, by compounding the problems in contesting wrong charges based their own wrong inferences.\\n\\tAgents claim they are taking notes for the cases, but with dishonesty coming so thick, I have no way of knowing whether theyre lying about taking the notes, or subsequent agents are lying about there being no such notes.\\n\\tIt seems the only notes you have are about the yelling and eventual cussing your agents strive to provoke, instead of what they are doing to bring it on.\\n\\tEither way, it gets very frustrating when I have to keep re-explaining things, and agents are active incomprehending the explanations and re-explanations and running me around while ignoring questions and refusing to give straight answers, all while pretending to have professional calls in response to the aggravation they strive to provoke.\\n\\nIncompetent agents and broken disputes process are extremely time-consuming, aggravating, and vastly more costly in terms of lost income from tied-up time, potential lost income from accounts blocked until Chase gets its act together, than amounts being (incorrectly) disputed.\\n\\nTo compound things, the Disputes, Fraud, and Escalations departments, according to what supervisors claim, are firewalled from each other with absolutely no sign of coordination, and EVERYTHING is opaque to me as a customer. I only know what Chase tells me, which are largely lies, misstatements and lip service. I can try to piece together what XXXX XXXX might be going on behind the scenes, but thats guesswork.\\n\\tPast experience tells me to be deeply skeptical of anything Chase says, as any such information has at best a tenuous relationship with fact or reality.\\n\\nI am unable to distinguish alleged Supervisors from Level-1 agents, there is no discernable difference in competence or cooperation. The general impression is that there are, in fact, no supervisors.\\n\\tAnd since it has become increasingly clear they are unable and/or unwilling to provide functional help, I have been trying to find a means of communicating with someone over their useless heads. \\n\\tIn complete absence of management or internal coordination, I finally managed to get an alleged Supervisor to provide a contact for a top-down approach since proper bottom-up channels are broken. I sent that letter off on XXXX PLEASE READ ACCOMPANYING LETTER.\\n\\tNote that I do not know if you have or will receive that letter, as the address I was provided differs a bit from the one I was provided today while confirming. \\n\\nA couple of days later, I received my Chase-XXXX XXXX statement, confirming Chase was also contesting the wrong charges with XXXX. When I called about Chases mistakes on my statement, I could not get anywhere, and one Supervisor offered a call-back from a Manager, which was confirmed in a subsequent call with a different supervisor, but the call-back never came.\\n\\tWhen I inquired about it, they told me that the Manager called several days ago, but also said there was no call or even notes for the call back, and also that I could be put through to a manager (once a 20-minute hold and disconnect, another time, a Manager who was NOT a Manager). And then told that Chase Managers do not do call-backs, and there were no Managers.\\n\\nWhich goes to another problem, of Chase changing its stories and lip-service every time I talk with them. It is difficult to tell the lies from the lip service from agents just making stuff up or telling me what they think I want to hear.\\n\\nMy most recent call confirmed I was not going to be able to speak with anyone in charge about the ongoing failures, requiring this second letter.\\n\\tIt also took three calls, and 3-4 hours with multiple agents, to get any useful cooperation on determining the CORRECT payoff balance of my latest statement. Still a struggle to get supervisors to listen, understand, cooperate, or give useful answers. The first 4-5 figures were clearly wrong and revealed that Chase may still be getting things wrong on contested, reversed and fraudulent charges, repaying the vendor on wrongly-contested charges, or managing the account.\\n\\tChase makes it very difficult to pay the correct balance, when they have no idea what the correct balance is.\\n\\tAfter multiple rounds of explaining and trying to get the supervisor to focus, Chase came up with a payoff that was XXXX below my best guess on payoff, but it shouldnt take hours and multiple calls to get Chase to decypher its own thoroughly-confused statements.\\n\\nAS THINGS CURRENTLY STAND, Chase-XXXX  Visa does not offer functional support, and has no means of addressing it.\\n\\tEvery contact, chat etc with Chase Bank and ChaseXXXX XXXX  directs me back to the counterproductive customer service phone numbers.\\n\\nThe cost to me, in wasted time and lost income and potential further lost income due to blocked account(s), while trying to herd your customer-support XXXX, is going into the thousands, with no end in sight as supervisors talk about the two week process growing to a couple of months, then potentially to 4-6 months (the story keeps changing, after-the-fact), is prohibitive.\\n\\nLip-service about respecting and caring for customers, valuing feedback, and improving service is belied by performance, it becomes increasingly unclear whether agents and Supervisors even understand respect or professionalism. The whole thing reeks of whats come to be known as XXXX  complete with insincere Im-Sorry-You-Feel-That-Way non-apologies.\\n\\nThe utter and absolute lack of responsibility and accountability adds insult to injury.\\n\\n\\nI have tried to make it clear that if Chase-XXXX XXXX  continues to dispute legitimate charges, dispute charges on wrong premise, and cannot coordinate with vendor or its bank, it might be easier and less costly to all parties, particularly bank and customer, to cancel the disputes Chase cannot manage, and reimburse the customer from Chase funds instead.\\n\\nI have also tried to make it clear that ChaseXXXX XXXX owes me roughly (as of this time) 40 hours of my life, trying to get them to do their job correctly, with no sign of resolution. This calls for compensation from Chase Bank.\\n\\tDocking the pay of agents and so-called Supervisors who are unable and unwilling to do the jobs they are paid for, and redirecting the funds to the customers whose livelihoods they are disrupting seems the fairest option.\\n\\nAnd I have tried to make it clear that if Chase-XXXX XXXX cannot give a correct payoff balance for a statement, that payment will be delayed until they can give a straight answer, and Chase will have to eat any late charges, interest, of fees they incur in jerking me around.\\n\\n\\nPLEASE coordinate between departments and with involved parties, get your acts together, show some of the professionalism the agents invoke, and do what is needed to expedite things.\\n\\nIssues over course of last 10 or so weeks:\\n\\t XXXX  charges, XXXX XXXX Contest charges (ad listings did not show sample XXXX  due to what XXXX  called a bug, rendering ads useless. Neither XXXX  or Chase can get stories straight on which charges are contested, which not, grounds for contesting, or status. XXXX  claims to have already refunded charges Chase is contesting, neither party will clarify or coordinate, and Chase is now suggesting that what started as a 2 week to 1 month process may drag out 4-6 months.\\n\\t XXXX  charge, XXXX XXXX. I had repeatedly and explicitly instructed Chase NOT to contest this charge, so naturally they contested it against my instructions.\\n\\t Fraudulent XXXX  XXXX  transactions, XXXX XXXX XXXX. Someone hacked my XXXX  XXXX  account and Chase-XXXX  XXXX XXXX  helped with blocking the transactions, Chase replaced the card. \\n\\tBut the fraudulent charges appeared on my statement anyway, and when I called Chase about it, the agent proceeded to  cancel the replacement XXXX  without asking or authorization, while I repeatedly told him NOT to cancel and replace card, and hung up on me. I later found that he had contested legitimate charges instead of fraudulent ones. THIS AMOUNTS TO TAMPERING.\\n\\t ChaseXXXX XXXX statement reflecting all these XXXX  Mistaken entries cancelling out valid entries makes the statement needlessly complicated and difficult to decypher, adding more hours to runaround as I try to calculate correct balance, and supervisors cannot.\\n\\t Countless hours runaround. Trying in desperation to find agents or Supervisors who might be able to actively listen, comprehend, cooperate: The struggle to get competent, functional support, despite Chase-XXXX XXXX efforts. YOUR SO-CALLED CUSTOMER SERVICE IS AN ORDEAL, I LITERALLY DREAD HAVING TO CALL THEM, BUT HAVE NO OPTION OR MEANS OF FINDING SUPPORT THAT IS UP-TO-THE-TASK.\\n\\n\\nHELP!!!\\n\\n\\nSincerely,'","date_sent_to_company":"2025-07-30T21:01:14.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"90057","tags":"Older American","has_narrative":true,"complaint_id":"14971990","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-07-30T20:11:30.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["XXXX'I am 14 weeks into endless <em>problems</em> with dishonest and incompetent customer service from <em>Chase</em> (XXXX) card services.\\n\\nThey <em>have</em> continuously changed their story on what charges they can and cannot contest, timeframes, and what they are even doing on my behalf.\\n\\nThey cancelled a card without asking, for no good <em>reason</em>, and INVENTED a <em>reason</em>.\\n\\nThey contested charges they were told explicitly NOT to contest, on multiple occasions."],"issue":["Other features, terms, or <em>problems</em>"],"company":["JPMORGAN <em>CHASE</em> & CO."],"sub_issue":["<em>Problem</em> with customer service"]},"sort":[16.865828,"14971990"]},{"_index":"complaint-public-v1","_id":"3294509","_score":16.829374,"_source":{"product":"Mortgage","complaint_what_happened":"I fell behind on my mortgage back around XX/XX/XXXX. I had a bad break up with an x and was left to pay unsecured debts and try to keep up on the mortgage plus my other bills. I ended up falling behind 3 months on the mortgage and once i was good to be back on my feet, i was denied my payment. I was told i needed to pay up the whole amount which was about {$4800.00}. My morgage was {$1400.00} a month and at that time i was offering to pay them {$1800.00} and from then forward i was going to be able to pay $ XXXX- {$300.00} over my minimum payment to start catching back up. I was denied those payments and was told i needed to pay in full what was owed. I then turned and decided to sell the property. I was living alone so it was not possible for me to just catch up in one payment. I listed the house for sale, had a possible buyer within 3 weeks. The buyer put in a good offer and was going to close by XX/XX/XXXX. While this was going on i was figuring out a place to go. I ended up moving in with a woman who i have known for almost 8 years now. She is now my wife. So i moved in with her and the house was empty. After i went thrugh 3 seperate closing dates, the buyer backed out due to him not meeting stipulations with his bank. At this point, because i was helping with my now wifes bills in her apartment, i was not paying the mortgage but i was paying for oil, eletric, and maintaining the house. Once the buyer backed out i got back in contact with Chase bank to try their mortgage assistance program. Something i should have done off the rip but i made a mistake, i am human. So when i talked to Chase bank, they told me the only way i could be cinsidered for any loan modification or any mortgage assistance, i needed to be living in the property. At this point a foreclosure process had already began. So i agreed to move back into the house with my now wife and her XXXX year old  son. We left her apartment and went back to the house in hopes to figure out a solution to the past balance and move forward in keeping and paying for this house. In the mean time, we were saving money. We both work full time and make more than enough to pay the {$1400.00} mortgage payment, but we were not able to obviously to pay montly payments because they wanted full payment which at this time was about {$10000.00} with the late fees, attorny fees for the foreclosure and past due payments. This was around XX/XX/XXXX when we moved back into the house. About 3 months after we moved in, we finally got word with the mortgage assistance. Chase bank told us that I was only approved for a short sale because there was no way to lower my interest rate '3.75 % ' or my montly payment of {$1400.00}. \" I never asked to lower the payment, i offered to pay MORE to catch up. '' They told me that the house was affordable and that they could do nothing for me. Short sale was the only option. So i ended up putting it up for short sale. I had a solid buyer offer {$210000.00} for the house. Another month and a half went by, Chase bank ended up saying they wanted {$210000.00} for the house. The buyer backed out due to the fact he would have to come up with another {$4200.00} that they didnt have at the closing. At this point i beyond had enough. Chase bank sent me a letter saying that i had until XXXX, XXXX XXXX to have another buyer or the short sale would be terminated and the house would go back to a foreclosure process. It was at that time i found XXXX XXXX XXXX which is a law firm out of XXXX. California. They told me they have a 95 % success rate in turning around mortgages and helping people stay in their homes. This was what they specialized in. So i highered them. I submitted all the info thay needed on my mortgage and i paid them {$3500.00} for their retainer fee. They worked with me and contacted Chase bank over the last 3 months. This past saturday, XX/XX/XXXX i recieved a letter from XXXX XXXX XXXX stating that my request for any sort of option to keep my house was declined, for the same reasons that were stated before when i was told 6 months prior i was only approved for short sale. Also stated that they could not lower the payments or interest. Which I NEVER WANTED OR ASKED FOR THAT. I feel there has to be some sort of way to fix this problem. My credit is shot now when it was a XXXX score when i purchased this house in XX/XX/XXXX. We have looked into a few apartments but due to this being on my credit, even with my wifes pretty decent credit score XXXX ' we are denied because of these unpaid payments. She makes {$15.00} an hour full time, but is not enough alone to get any sort of mortgage or any decent apartnent. I make {$24.00} an hour and have overtime every week. That money cant count on any application due to my bad credit score ive accumulated because of this situation. Togeather we NET {$5500.00} a month. Take home ... i find it hard to believe that Chase bank CANT work something out with us. We want to keep our home. We also have a XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX, which i had mentioned to Chase bank with what seems to be, no care in the world. At this point it does not seem we have anywhere to go if we lose this house. With a XXXX XXXX XXXX XXXX  and two full time decent paying jobs, i dont see what the huge issue is with letting us pay extra each month until what we owe is caught up, then putting the payments back to normal. I want to pay, we want to stay in the home. We just need the OK to start sending out the checks. At this point the past due balance has accumulated to just about {$24000.00} in 12 past payments now plus fees and attorny fees.\n\nThank you.","date_sent_to_company":"2019-07-08T12:02:03.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"062XX","tags":null,"has_narrative":true,"complaint_id":"3294509","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-07-02T21:31:00.000Z","state":"CT","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["This <em>past</em> saturday, XX/XX/XXXX i recieved a letter from XXXX XXXX XXXX stating that my request for any sort of option to keep my house was declined, for the same <em>reasons</em> that were stated before when i was told 6 <em>months</em> prior i was only approved for short sale. Also stated that they could not lower the payments or interest. Which I NEVER WANTED OR ASKED FOR THAT. I feel there has to be some sort of way to fix this <em>problem</em>."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[16.829374,"3294509"]},{"_index":"complaint-public-v1","_id":"3372329","_score":16.690714,"_source":{"product":"Mortgage","complaint_what_happened":"I would like to file a complaint against Chase Mortgage Services. I started my mortgage with Chase 14 years. Over the past several years, I have had many issues with the way Chase has treated me and handled my mortgage. As I will detail below, there have been several instances when I ( 1 ) received contradictory and different information from different Chase representatives ; ( 2 ) received erroneous information from Chase concerning notifications they sent ; ( 3 ) have not received important information in the appropriate time frame ; and ( 4 ) Chase continues to include and ESCROW charge every month even after I have proven to them that I am paying insurance and taxes separately. \n\nAll of these issues have caused me a lot of stress, money, and time. I have been unsuccessful in efforts to get reimbursed for late fees that I do not feel were correct. Even after speaking to representatives on the phone and going to the branch in person, they are still not giving me the right information. It is an ongoing challenge. I will outline my grievances below, with as much specificity as I can. \n\nIssue 1 : Contradictory information I called Chase on XX/XX/XXXX. I first talking to representative XXXX XXXX, then my case was escalated and I talked to XXXX XXXX of the Escalation Team. During my conversation with XXXX, she said Chase should have notified me if a payment was rejected in XX/XX/XXXX. I told her I was not notified. The situation was clearly confusing to her too. She told me, I have never seen anything like this. I dont know what went wrong. \n\nMy call then got escalated to Mr. XXXX on the Escalation Team. Here is where I got the first explanation for why I started falling behind on my payments in XX/XX/XXXX. \nExplanation A I was given for why I started falling behind in XX/XX/XXXX : Mr. XXXX told me that the reason I started accruing late fees and being a month behind on my mortgage is because there was an audit of my payment history completed and the people auditing my history claimed that on XX/XX/XXXX the mortgage payment I made was not processed. To reiterate, Chase told me that in XX/XX/XXXX a payment from XX/XX/XXXX was not processed. This was after months of statements telling me I was up to date and in good standing. It was shocking to hear that four months later, after receiving several months of mortgage statements showing me in good standing, one of  my payments was retroactively denied, putting me behind. I was told by Mr. XXXX that bills sometimes do not show the true record of events. He did not provide any explanation why a rejected payment from XXXX would only show up in XXXX nor did he provide details about the people/group doing the auditing, even though I asked for both. \n\nThe huge lag between the supposed missed payment and the start of the chain of late fees are very problematic and was made worse by the lack of information and communication. XXXX XXXX, manager of my local Chase Bank in XXXX told me that the bank has 3 to 9 days to give people information if a payment was rejected. No such notification was provided to me. During a phone call with Chase, a representative ( whose name I did not record ) told me that checks sometimes get lost. This is disturbing to me, because I do not use a computer at home and rely on writing checks to Chase ( in the  actual bank itself ) to make my monthly mortgage payments. \nChase did not notify me at all about this audit which found months after I believed I had made the payment-that I was in fact behind. Mr. XXXX said that a notification was sent in XX/XX/XXXX detailing the situation. That is unacceptable because it is about a year a half after the initial late that they charged me with. The amount of late fees at this point was already around the size of an entire monthly mortgage payment. I repeatedly tried to fight these late fees, spending hours on the phone and even getting the support of a Financial Coach to help me ( from the Colorado nonprofit mpowered, XXXX XXXX ). The Financial Coach, who called Chase with me on numerous occasions, was also surprised and confused by the situation. \n\nWhat made things worse and harder to resolve is that I got a different story from Chase in later phone conversations. \n\nExplanation B from Chase on why XX/XX/XXXX started a chain of lates : On XX/XX/XXXX, I once again called Chase with my Financial Coach in the hopes of getting a reimbursement for one year and a half of late fees. This time we spoke to a Mr. XXXX XXXX to better understand the timeline of events. \n\nMr. XXXX told a different story. He said that on XX/XX/XXXX I made a payment over the phone, and that it was rejected for insufficient funds five days later on the XX/XX/XXXX. This is different than the first explanation from Mr. XXXX because it did not involve a rejected payment from several months earlier triggering the late. \nAnother incident involving incorrect information : In XX/XX/XXXX I got a letter saying I made that months payment on BOTH the XX/XX/XXXX and XX/XX/XXXX of the month. This is incorrect information from Chase. \n\nIssue 2 : Not communicating with me once the series of late fees started in XXXX. \nThe late fees have cost me over {$1500.00}. I believed they were in error because I always prioritize my mortgage payments. I almost always make payments in person but I will also make them by phone once in a while. \n\nAs mentioned earlier, I was told by my local Bank Manager XXXX XXXX that Chase would notify me 3 to 9 days after a payment was rejected. I did not realize that there was any issue with my payments. I am very regular about going to the bank and filling out the payment. \n\nThere was not timely communication about this. The explanation of my lates was only sent in XXXX ; like I mentioned, I do not believe I missed a payment in XXXX. \n\nIssue # 3 : Chase falsely claims it returned a check to after declining payment for insufficient funds I never received a returned check or notice for being late. This would have Issue : I am still getting incorrect information Chase told me I paid on the XX/XX/XXXX and the XX/XX/XXXX of last month. This is incorrect ; I only paid once. This did not affect me in any financial way, but it is another example of erroneous reporting. This makes me feel stressed and uncertain, because I am constantly worrying about whether Chase is properly handling my mortgage. \n\nIssue # 4 : I am still getting bills which include an ESCROW, even though I have always paid my insurance and taxes separately from my mortgage. \nThis year I started receiving additional charges on my mortgage for ESCROW payments. I have never had escrow payments, nor do I need them because I pay my taxes and insurance separate from my mortgage. \n\nI have repeatedly sent Chase the information they requested to prove that I am paying my taxes and homeowners insurance. My homeowners insurance is paid for every month. This year I opted to pay my taxes in two installments ( taxes are completed paid for the year ). \n\nI went to Chase in XXXX, Co to discuss this. He said he did not see any ESCROW on the computer. \n\nLater in XX/XX/XXXX, my Financial Coach and I called Chase to also. I faxed Chase 9 pages of documents showing them I had paid my homeowners insurance and taxes. \n\nIn XX/XX/XXXX, it is once again showing on my mortgage statement that I still owe the ESCROW and I am past due on it. This is infuriating and I do not know what to do because I have talked to them so many times about this problem. \n\nIn conclusion, I am amazed at the money, time and stress the issues with Chase have been costing me. As I mentioned, I have been working with a Financial Coach from the Colorado nonprofit mpowered. He has been with me as I try to get answers from Chase and he is also amazed at how inadequate Chase has been with my mortgage. \nI would appreciate any support as I confront Chases terrible mismanagement of my mortgage.","date_sent_to_company":"2019-09-12T22:16:45.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"804XX","tags":null,"has_narrative":true,"complaint_id":"3372329","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-09-12T22:05:09.000Z","state":"CO","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I would like to file a complaint against <em>Chase</em> Mortgage Services. I started my mortgage with <em>Chase</em> 14 years. <em>Over</em> the <em>past</em> several years, I <em>have</em> had many issues with the way <em>Chase</em> has treated me and handled my mortgage."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[16.690714,"3372329"]},{"_index":"complaint-public-v1","_id":"6321747","_score":16.633738,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I've had so many problems with AMEX lately that I had to cancel my account after having the account for about 20 years. It's absolutely unbelievable a customer experience could possibly be so harrowing. XXXX XXXX I spent over XXXX hours on the chat trying to get the customer service reps to change the dispute reason. The reason why I needed to change the dispute reason is that the customer service person who took the original dispute over the phone wrote the reason entirely incorrectly. I'm not even sure where she got the reasons from -- perhaps she dreamt it in her own mind because it was not anywhere remotely close to what I told her the reason was. I don't know off the top of my head the date of this call and with the countless hours I've spent online with customer service I don't have the time at that moment to search my records to find the date- it's been a complete nightmare with AMEX XXXX Pick the last date that I called because I learned from this experience that I should not talk to them over the phone and that I should chat instead so that they can see my words and copy and paste if they need and there is documentation of our conversation that we both have access to. Anyhow, on the chat that night, the customer service agents would drop off if I didn't respond in literally XXXX seconds. I would be in the middle of typing a simple response and the customer service person would log off. The next person would show up and I'd have to start the whole conversation all over again because this person would only read a line or so above and not go back and read the whole conversation. Of course, at some point, who would blame them, because who wants to go back and read over XXXX hours of chat text?!! Ultimately, by the end of the XXXX hours, the dispute reason STILL was not changed!! They wouldn't accept the first dispute reason I gave them which was AMEX wasn't authorized to allow this charge to go through in the first place because I had requested the merchant block. Then, when given the reason for the problem with the merchant they weren't able process the change of the dispute reason. So, I tried again another day. I lost count of how many hours that took but this time I believed, at the time, they did get the reason changed. At least that's what I was told. I come back days later, as the rep told me it would take XXXX hours to see the updated dispute reason, to find that indeed it was NOT changed. So, I go back to the chat again for several hours to get the reason changed. It appeared to be successfully changed. Days later I got an email that said I needed to upload documents to the dispute -- Never mind the fact that there are already XXXX documents uploaded in the dispute, some of them are multiples of each other because each time this dispute is reopened like this I am asked to upload documents, and I do. So, this time, when I go back to upload documents as requested, the dispute is closed AND the dispute reason has been reverted back to the original erroneous dispute reason! I notice this when I log in but I also notice an additional problem ( THERE ARE MULTIPLE PROBLEMS AT THIS POINT! ). I noticed that although I have closed my account they say that there are new charges in the amount of {$1000.00}. Upon looking at the statement line items, the disputed amount of {$990.00} appears along with some other small charges from merchants that were allowed to post after I closed the account ( that's the other problem I wrote in to the chat about on a previous date ). The disputed charge had been reposted and credited but I was charged interest on the full amount as if it wasn't credited. When I pointed this out to the customer service agent, he didn't believe me and he tried to tell me that the {$1000.00} was a rollover from the unpaid balance from last month. I told him that was simply not true because {$1000.00} is stated as a NEW CHARGE. So, here I go having to argue my point with a customer service person who is clearly wrong but doesn't want to admit it. If it were a rollover from last month, it would be in the Previous Balance section, I told him. Still, he doesn't admit that he is wrong, and I have to state that I will report this to the feds. This is the point at which the customer service person seemed to somehow now take into consideration that I may possibly be right ( which I am ) and said that he would open an investigation into it. An investigation should not be necessary, as he should have the competence to see the problem immediately, know how charges are applied to the card, and be able to rectify the problem himself instead of arguing with the customer when he is wrong. He then somehow brings up a point to say that I did not dispute this {$990.00} charge last month ... which of course is incorrect! It's been disputed for months with the wrong dispute reason attached to it. \n\nAnother issue is that the account was closed in XXXX, yet charges were posted to it afterward. Not only that, the charges that were posted were not even from the card that was open before closing the account, it was from another card that I had already closed!!! It's completely unbelievable that the merchant was able to get past not XXXX, not XXXX, but XXXX blocks I have in place but still be paid by AMEX against my will. The first block was that I'd canceled the card that the merchant had on file. The second block was that with the new card that I had on the account, no merchant was supposed to be able to post any recurring charges on the account -- I had all recurring charges blocked on this new card! The merchant, XXXX, even called me to tell me that they were unable to get a payment from me. I gave them an entirely different bank card ( CHASE bank card ) to use, and they were satisfied. Yet STILL, the merchant was able to process a recurring charge on XXXX XXXX using the closed credit card on a closed account, even though they had called to say that they were not able to process it. When I asked them about it, they said it just went through and, they weren't sure why, and to contact AMEX. AMEX said they would put a block against the merchant but I told them there should have been a block on ALL recurring charges AND the account was closed. The AMEX agent then said that charges could still post to the account even though it was closed. And I told him that the person who closed my account said that no charges could post to a closed account. So which is the truth??? AMEX allowed this and other payments to process on a closed account and closed card, and a situation where the new card is supposed to block all recurring charges! And if you talk to these customer service people, one will say the recurring clock is on the account, the next will say that it is not, and the next will say that it is but it was in effect only after a certain date. I've heard it ALL. The fact of the matter is, I opened the new card with the request of absolutely no recurring charges being able to come through the card at all from any merchant. XXXX that conversation with the rep when this card was ordered and you will see that this is true. All of these problems point to incompetence and/or complete disregard for my requests in the customer service department , coupled with errors in the software. This is completely unimaginable. HOW can AMEX disregard XXXXXXXX XXXX I have in place to prevent charges to my account, yet they authorize charges anyhow? The trust had already been eroded months ago when they disregarded my request to block the merchant in XXXX to the tune of {$990.00} and again in XXXX for {$990.00}. \n\nThis is corporate fraud. They are allocating charges to my account without my permission and against my explicitly stated will on multiple occasions. Furthermore, they are rebilling the disputed charges at their will and adding fees without refunding the fees. I have a suspicion that they are not actually taking the rebilled amount off the final balance each month as well because I have paid the amount due minus the disputed amount and closed the account. Yet, still they post that there is a balance due of over {$2900.00} when the only posted charges are the ones they've created on their own and apparently against my request ( the recurring charges that should have been blocked and the rebilling of the dispute that even they show credited but the credit actually not reflected in the balance ). There are some serious issues here and I look forward to resolution!","date_sent_to_company":"2022-12-14T12:26:00.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"95835","tags":null,"has_narrative":true,"complaint_id":"6321747","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2022-12-14T10:16:44.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I've had so many <em>problems</em> with AMEX lately that I had to cancel my account after <em>having</em> the account for about 20 years. It's absolutely unbelievable a customer experience could possibly be so harrowing. XXXX XXXX I spent <em>over</em> XXXX hours on the chat trying to get the customer service reps to change the dispute <em>reason</em>. The <em>reason</em> why I needed to change the dispute <em>reason</em> is that the customer service person who took the original dispute <em>over</em> the phone wrote the <em>reason</em> entirely incorrectly."],"issue":["<em>Problem</em> with a purchase shown on your statement"]},"sort":[16.633738,"6321747"]},{"_index":"complaint-public-v1","_id":"3316671","_score":16.363428,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am a XXXX XXXX XXXX military veteran, I am award this XXXX through the VA, it is XXXX, XXXX, and service connected. I retired in XXXX of XXXX after nearly 27 years of XXXX XXXX service, released with an XXXX discharge. \n\nAs a career XXXX XXXX, I held myself to the highest standards in all regards, and I was also held in the same light by my peers and everyone else is my chain of command, purview, both professional and business related, as I should be. \n\nI obtained a mortgage with Chase in XXXX. I was current on this account up until the credit report indicates. \n\nFollowing the XXXX financial crisis and a subsequent 9-10 month period of unemployment waiting for a new job opening, I began down the road of a significantly more exacerbated being unemployed, and still having to maintain support for XXXX children at that time. \n\nI received assistance from family members as best that they could help, I was still falling way short and the nine or ten months unemployed was devastating, I was employed again in XX/XX/XXXX, as a XXXX XXXX XXXX XXXX following a career of 26 years as a XXXX XXXX. \n\nThe ability to catch up, meet my XXXX XXXX obligations and every other commitment path popped up and had been previously committed too was daunting. \n\nAt one point I had made the decision to declare bankruptcy, I had obtained an attorney, and began the process, although the lawyer was competent and highly specialized in this field, the process ran into a problem with some matters of tardiness with some matters that were out of my control. \n\nDuring this period of time I made an initial attempt to refinance with Chase Bank through their military department, I submitted my request over and over again and it did not come to fruition, I ran into a variety of delays and set-backs over months of time, one of those were a seemingly unexplainable inability for me to successfully send my documents to Chase and have them receive them, even when I attempted these deliveries from the Chase bank in XXXX, CA. \n\nI took a pause from my refinance attempts after a sustained effort to obtain that refinance through the military department at Chase. \n\nI decided to attempt this refinance once again through the military service department at Chase. I was connected with a young lady who worked there named XXXX XXXX, she was an amazing representative, timely, positive, straight forward, and professional. \n\nI was approved for this loan after a short period of time, it was so appreciated after taking many financial hits over a rough period of time, it was extremely important for so many reasons, personally, I take it very serious and being able to meet my obligations and provide for my family is of utmost importance to me, my current job, and all related jobs I would seek out are highly sensitive toward financial issues, as they should be. \n\nXXXX XXXX was a life saver, I made it a point to notify her superiors of her amazing work, it impacted my life then and still does today. \n\nI received the loan and the terms, part of that was an initial trial period for timely payments as laid out in the agreement I received and acknowledged with great appreciation. \n\nFrom the time I received this modification through Chase military section in XXXX, I have never had one late payment or any negative interaction with Chase, I remain extremely grateful and thankful to Chase and for this life changing opportunity to redeem myself. \n\nMy mortgage was sold off and bought by XXXX, XXXX XXXX XXXX within the past year, I have had very, very poor service from this new group, to the person, and I contacted them many times over the initial setup period, they were rude, each and every time, extremely negative and demeaning, and this spanned over many phone calls for basic information on my account, I have never once had this kind of sustained negative service in my life, they are absolutely the most unprofessional organization I have ever had the misfortune of having to work with. \n\nI do not know the functioning or roles of the XXXX but they are not accredited through the XXXX, each and every review I read on them is as negative or more from what I have described. \n\nI am bringing this to light because I am currently in the process of attempting to refinance my mortgage to take advantage of any savings out there to better support my family and my XXXX kids attending college. \n\nBeing able to get refinanced would assist me financially and it would be a great help ridding myself of XXXX, I believe everyone would love to do the same, it is amazing. \n\nAlthough I had an amazing experience with Chase with regard to Chase Loan ( XXXX ) their reporting on my situation after giving me my modification, and my meeting of all obligations of specified trial period, and no late payments whatsoever from the modification onward to current, their reporting seems to be a bit harsh and repetitive after my adherence to their gracious modification in XXXX. \n\nDuring my sit down attempting to refinance my property I was advised that I would be greatly hampered with a R 1-13 listed by Chase. I was advised that by talking to Chase about all of the successive R offenses it would have a huge negative impact on my report, and that is after I had met all of their terms and guidance for this procurement of the modification for which I am so grateful. \n\nI hesitated to contact Chase once notified of this reporting because from the time I was sent over to XXXX, once they purchased the servicing of the loan, I was advised that I would have to refer any and all of my inquires on loan matters through XXXX, they were not rude about this matter whatsoever. \n\nI attempted to speak to Chase multiple times after they transferred to XXXX to address several administrative matters and to inform them of the incredible service they had provided and the huge dissatisfaction with XXXX. \n\nI am sending my concerns with this repetitive reporting of my initial delinquency for such a long period, not just the overall event that led to my modification awarded through Chase Bank. \n\nI appreciate you're consideration of this matter, it is very important to myself and my family, employment to be upstanding with all financial matters. \n\nMy very recent attempt to refinance brought this matter to light, instead of calling Chase again personally with the guidance I received from them on every other inquiry, it seemed more prudent to contact you directly to address this matter, XXXX is largely unequipped or open to speaking to any matter professionally. \n\nAny help I can receive with this matter would be of great assistance to me in pursuit of obtaining a refinance which impacts my personal financial matters directly affecting my family. \n\nI am in no way suggesting that Chase bank has let me down in anyway, they gave me an amazing opportunity, I can not express my appreciation enough. I was just aware that all matters pertaining to this loan were to be taken up with XXXX which is absolutely impossible as described above.","date_sent_to_company":"2019-07-24T13:59:21.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92101","tags":"Servicemember","has_narrative":true,"complaint_id":"3316671","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-07-24T12:47:34.000Z","state":"CA","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["During this period of time I made an initial attempt to refinance with <em>Chase</em> Bank through their military department, I submitted my request <em>over</em> and <em>over</em> again and it did not come to fruition, I ran into a variety of delays and set-backs <em>over</em> <em>months</em> of time, one of those were a seemingly unexplainable inability for me to successfully send my documents to <em>Chase</em> and <em>have</em> them receive them, even when I attempted these deliveries from the <em>Chase</em> bank in XXXX, CA."],"issue":["<em>Problem</em> with a credit reporting company's investigation into an existing <em>problem</em>"],"company":["JPMORGAN <em>CHASE</em> & CO."],"sub_issue":["Difficulty submitting a dispute or getting information about a dispute <em>over</em> the phone"]},"sort":[16.363428,"3316671"]},{"_index":"complaint-public-v1","_id":"8087390","_score":16.355433,"_source":{"product":"Credit card","complaint_what_happened":"I complained to CFPB on XX/XX/XXXX (#XX/XX/XXXX), but did not receive Chase's response almost 3 months later on XX/XX/XXXX. Now I have to ask Chase, why after 6 billing cycles - half a year, my dispute is still not resolved? I even did not get official letter from Chase. When I initiated the dispute case, Chase promised to me that it wil take up to two billing cycles to resolve the dispute. I even called Chase customer Service recently, the guy who answered the phone said, \"2-3 business days! \"Are you kidding?\" I answered, I don't believe any Bank/ Credit Card company can resolve a dispute case so quickly, if they do thorough investigation.\n\nSince I moved into a large retirement community - XXXX XXXX XXXX XXXX on XX/XX/XXXX, I was only looking for peace for the rest of my life. Unexpectly, my nightmare life starts there. I cannot complained XXXX, it tried to do a good job. But it happened at XXXX. For instance, I intent to make a new complaint against Chase-Amazon credit card both on yesterday (XXXX XXXX XXXX) and today (the XXXX XXXX XXXX XX/XX/XXXX), but my PC did not let me. When I turned PC on in the real early morning, before XXXX XXXX, the computer was turned on. But then it turned to a black screen, I cannot find the mouse anywhere, which means I cannot use the PC at all. If it just happens today, I may think it is PC problem. But it is always like that, with all kinds of problems, either the PC internet was disconnected, somebody can even get on my PC to delete the info as much as he wanted, or fed me false info, such as my friend called me three times via XXXX XXXX, or leave her voice to my phone message, or blocked the call from my niece who invited me for XXXX. Somebody took out XXXX from one of my savings accunt and opened a XXXX account. It looks I did not loose money, but some body can get into my account which never happened in the past 20-30 years. It s very scary! Another account, all of  a sudden, within one month, from beginning account balance XXXX to closing balance XXXX. When I called the customer service, the answer emphasized the money was still there. It was extremely annoying! It really disturbed my XXXX life, I could not sleep well (only 2-4-hours/ night), I could not eat normally either. It has been 7 months already. I want to make a new complaint to CFPB about Chase-Amazon VISA card, PC does not let me. Without internet connection, without find Chase's response which I stored in PC, how do I do it? I even thought about to mail in the complaint to CFPB, but the snail mail is very slow during holidays, I am afraid that I may miss the deadline XX/XX/XXXX. What is my choice? With so much pressure in my life, I may develop any kind of mental problems faster. It will really be \"Dream Come True\" to those bad guys. Because they really want to create such problem for me. Being honest, I don't have any XXXX XXXX problem yet, I can past all of the mental tests easily and quickly. But I really don't like so much pressure in my life. I know this is not CFPB's job, I sincerely hope that CFPB can help.\nI did consult my credit card (XXXX XXXX) representative, she tried her best to help. And she gave me the 800 number of XXXX XXXX XXXX, hope they can help. So I called that number immediately. XXXX answered the phone. He asked me so many questions, perhaps more than anybody else asked me before. He also said they do have investigators, the investigation process may be less than a month. I was full of hope, and thought that was what I really want. After one month, I called that number again. I was told even the investigate was done, but they will not disclose the result to the person who reported the case to XXXX XXXX XXXX. Disappointing! I don't have the authority to investigate, If I do, I don't mind to spend my time, my energy, even my money to do thorough investigation!\n\nSo I have turn to CFPB again. I called CFPB, asked about whether I should choose to respond to the Chase's response (XX/XX/XXXX is the deadline) , or bring a new complaint with different content. The most bothersome thing was that Chase only investigate the trouble maker - XXXX XXXX and believe it. If XXXX XXXX is an honest company and acknowledge their mistakes and correct it, I don't need to bring up this dispute case today. Since this happened, the following cases happened, I did not have any good luck, I was imposed to pay the money such as Chase, or impose to bring up some false dispute, such as Chase, or erase some dispute case (I even don't know the case number, the date that I initiated the dispute and so on, but Chase controls everything! I am afraid that I will have much worse revenge in the near future). I really cannot recognize this is Chase which I was with at least for more than 8 years). If it was like that in the past years, I definitely will leave. It is absolutely a chaos!  Even I had record in my PC, which year I started to open an account with Chase, how much products I have purchased with this credit card, how many reward points that I received from Amazon. How much money I have left with Amazon gift card and so on. But now the info is all gone. Somebody got on my PC and deleted all the info. I cannot believe this. And I met at least five representatives of Chase who was lying left and right. I still cannot believe them are Chase's representatives.\n\n(1)\tI mentioned in my #XXXX-XXXX   After I discovered that XXXX XXXX REBILL me at the middle of XXXX (later on, I found in fact,  XXXX XXXX REBILL me on XX/XX/XXXX, but Chase never informed me like they previously always did to send me an e-mail to confirm the purchase, if they feel some charge was fraudulent, or unauthorized. That way, they can prevent many false charges from happening. But now. Chase has a complete different approach, that's why it made me feel that Chase does not want to protect its own long time, faithful customers anymore. Since Chase accepted the REBILL, but why Chase did not posted REBILL online immediately, but waited two months? This is the question that Chase must answer. Transparency is the key to solve a lot of problems. But in the entire past half a year, Chase does not. Chase has to take the consequence of what they intent to hide, or cover up. Otherwise why did they do so?\nWhen I called Chase Dispute Department after I found the ReBill XXXX by XXXX XXXX in the mid of XXXX, the lady who answered the phone told me that \"XXXX XXXX claimed REBILL was an ERROR. \"  She also told me that (Dispute case is closed.)  Did I dare to suspect that lady lied to me? Not at all. Because she represented Chase Dispute Department at that time. How do I dare? How do I found out? The next day morning, I called Chase again. This time a gentleman answered the phone. He does not know anything about XXXX XXXX claimed the REBILL was an ERROR ... Which indicated clearly that the other lady was lying, that way, she can escape from my questions easily. I wonder why Chase agreed to close the dispute case, even before they had any conclusion. It can only indicate there may have some bad conclusion come out afterwards.\n(2)\t I recently called Chase customer service and talked to a representative XXXX. He told me after XX/XX/XXXX billing cycle, I had two charges. I said only one in XXXX with the amount of XXXX. He told me there is another one charged on XX/XX/XXXX by XXXX with the amount of XXXX. I was not aware of the charge at all, that was FRAUD; if you purchase something and paid the charge, but later on the merchant did not deliver the products, or not deliver the service like my XXXX XXXX case, that belong to DISPUTE. That was the only thing I learned from him. But it finally turn out he is a lier. I told him at this point, Chase-Amazon is the only credit card that I can use during holidays, please dont close the account. He promised me not to close the account. He said he can do any dispute for me. I thought he was not from the dispute department. I had better to call the dispute department myself. But I did ask him to give me dispute department phone number. He gave me three numbers. And then he put some music on and left. This is not what I expected. So I called the customer service right away. XXXX answered the phone and she told me that my account was closed by him. What a dishonest man! I called the three XXXX number that he gave me one by one. It turn out that none of them is a correct one? Can you believe this is Chase's representative? He is only an XXXX XXXX! What else can I say?\n\n(3)\tSince I mailed Chase priority mail on XX/XX/XXXX, and tracking number told me that Chase did have somebody picked the mail from a local post office at XXXX XXXX on XX/XX/XXXX, I ORIGINALLY THOUGHT IF Chase took my case seriously, they had chance to correct their mistake. They can took off the statement balance, and put the correct number in. It should be minus, I should have XXXX credit there after I paid XXXX on XX/XX/XXXX, I did not own Chase a XXXX. I even should not pay a XXXX on XX/XX/XXXX. But Chase is so big, so arrogant, so Chase choose to ignore my priority mail,  and they even did not bother to read it. Regardless I mentioned in my mail that I refuse to pay the statement balance XXXX. And I also presented my calculation how and why I paid XXXX XXXX the extra credit XXXX to Chase on XX/XX/XXXX. It was so clear, But Chase missed the opportunity.\n\n(4)\tI called Chase customer service on XX/XX/XXXX, and asked them to connect me to a local manager, Because I did not hear from Chase, XX/XX/XXXX is my due date. If I dont pay the statement balance, Chase could look after me, they can put close to 30% interest on me. Since the statement balance is quite high (XXXX) due to Chase imposed on me (Chase accepted XXXX XXXX REBILL), if I dont pay, within 3 months, the balance will be doubled. And What Chase will do? We can all imagine. It is not worth to discuss with an unreasonable Chase. So I paid XXXX statement balance which I should not. \n\n(5)\tI found there is a XXXX credit from XXXX XXXX in my account. I did remember on XX/XX/XXXX, THE DEPARTMENT OF Finance at XXXX asked me to submit my Power of Attorney ASAP. Although there are many places offer notary service such as many banks, but very few places can do POA. It was difficult for me to find that XXXX XXXX XXXX XXXX XXXX XXXX XXXX can do it.\nI begged two XXXX XXXX residents to be the witnesses, three of us drove to XXXX XXXX. On the way, we also stopped at XXXX place on XXXX XXXX, they did offer notary service, but not do POA. So XXXX  a nice guy, signed his name and put his notary public seal down, I and two witnesses all signed our names and addresses in XXXX XXXX. XXXX only charged me XXXX, very inexpensive. When I found the XXXX credit from XXXX XXXX. I called Chase immediately. When I asked, Chase said, You initiated a dispute. I never did. After I think it over and over, I decided to call XXXX, and ask him why he gave that XXXX off. After I reached him, he told me that he did not know the process at all. Some other people did it for him. I told him the situation. And said I dont mind that Chase recharge me. He said Thank you! I appreciate your honesty and effort. So when I called Chase again, that XXXX credit was gone. Somebody must know that I called. How doe that person know? I have no idea. These are part of the weird things happened to me since I moved into XXXX. Is this person who told me that I initiated the dispute honest? I dont think so. But he may not know the details. But I still dont think that Chase had very good honesty training for its employees.\nIn Cases response, it mentioned that XXXX XXXX delivered two monitors to me, and I returned two monitors to store. It was completely lying. XXXX XXXX did gave me credit XXXX twice, not because XXXX XXXX delivered two monitors to me, only because XXXX XXXX is such a chaos Store, they cannot find XXXX products that I ordered on XX/XX/XXXX for months and gave me credits XXXX twice, Those people just dont know what they are doing. In order not to take any responsibilities that they should. They were lying! And only Chase investigator believed the lies. How come they never came to me, and asked me why I initiate the dispute? What happening, and whats going on? With common sense, lying can sometimes escape from the tough reality and cruel facts, but not always!  Hopefully, this case is the exception!\n\nFirst of all, I would like to ask Chase to tell me which day XXXX XXXX delivered two monitors to me, who received them? Whats the prove? XXXX has very strict secret service  XXXX, without permission, nobody can get into XXXX. Which day I returned two monitors to store, to which store with address? Who process the return? Whats the prove? \n\nSecond, Why Chase believe XXXX XXXX  so much? Why did two of them united to persecute me? Why? Why? Why?  I did not know you before. There is no reason that you could be my enemies. Chase must answer the second question. Otherwise Chase cannot do this kind of bad deal without logic, without common sense.\n\nThird, why one dispute case, had two different case numbers? Did Chase intentionally do that? Did Chase wanted the dispute case lasted that long? For more than 6 billing cycles, half a year? I never heard any other credit card banks/ companies took that much time to solve a dispute case. Did so dedicated team as Chase dispute department work very efficiently, if not opposite? If Chase plan to look after me at the first place, I would say it is not a dispute, it is a set-up. As a credit Card bank. Is it legal to do so? If not, please stop immediately!","date_sent_to_company":"2024-01-05T22:33:24.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"19403","tags":"Older American","has_narrative":true,"complaint_id":"8087390","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-01-02T03:01:13.000Z","state":"PA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["<em>Chase</em> has a complete different approach, that's why it made me feel that <em>Chase</em> does not want to protect its own long time, faithful customers anymore. Since <em>Chase</em> accepted the REBILL, but why <em>Chase</em> did not posted REBILL online immediately, but waited two <em>months</em>? This is the question that <em>Chase</em> must answer. Transparency is the key to solve a lot of <em>problems</em>. But in the entire <em>past</em> half a year, <em>Chase</em> does not. <em>Chase</em> has to take the consequence of what they intent to hide, or cover up."],"issue":["<em>Problem</em> with a purchase shown on your statement"],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[16.355433,"8087390"]},{"_index":"complaint-public-v1","_id":"11543725","_score":16.271788,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"This has been going on since XX/XX/XXXX. Deposited a check from XXXX XXXX XXXX for {$5500.00} in XX/XX/XXXX through mobile deposit to account XXXX. XXXX received funds from XXXX and then closed my account retaining same funds stating that they needed to speak with VW Credit regarding validity of funds being mine to fix the hail damage on my car. Provided letters, lien release and multiple phone numbers to chase. They refuse to disburse funds stating that the phone numbers are not verified. The phone numbers are listed on the Internet and all vw correspondence. Representatives refuse to disburse funds. It has been 20 months. I want my money. The car was traded in and paid off at VW Credit on XX/XX/XXXX. \n\nAttachments XXXX XXXX XXXX ( XXXX MB ) XXXX XXXX ( XXXX MB ) View full complaint Sent to company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nXXXX XXXX  XXXX responded stating that they have reviewed my account, and we dont show an active lien XXXX We dont show that your account is an interest-bearing account. We restricted your account ending in XXXX for closure on XX/XX/XXXX, because you deposited a multiple payee item that was missing endorsements. The check is payable to you and Volkswagen Credit, but it is missing an endorsement from Volkswagen Credit. We placed {$5500.00} in suspense until the third party verified the deposit using a telephone number that meets our risk tool requirements, allowing you to deposit without their endorsement. We completed an additional review and placed an outbound call to the payee Volkswagen Credit at XXXX. They have confirmed that the item is not valid without their endorsement. The Payee stated that you should first contact them about the check to submit any required documents needed to negotiate it. Then, the item should be mailed to the Payee for you to obtain the proper endorsement before attempting to negotiate the check. The Deposit Account Agreement explains that we may decline or prevent any or all transactions to or from your account and remove funds from your account to hold them pending investigation. It also allows us to close an account, other than a CD, at any time, for any reason or no reason, without giving a reason, and without prior notice. We gave you a copy of the agreement when you opened the account. You can see the current agreement on chase.com. I see that this is there but the problem is that VW Credit states that they do not have an interest in this check when I call. I have spoken with multiple people at VW Credit over the past 20 months. They have issued lien release and statement that they have no balance due on the XXXX XXXX XXXX that is the damaged vehicle from the XXXX claim for hail damage. XXXX says this is not sufficient and VW Credit states that they will do nothing more as the account is closed and paid in full. I just want my money.","date_sent_to_company":"2025-01-15T22:43:46.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"729XX","tags":null,"has_narrative":true,"complaint_id":"11543725","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"VW Credit","date_received":"2025-01-15T22:33:39.000Z","state":"AR","company_public_response":null,"sub_issue":"Problem with additional products or services purchased with the loan"},"highlight":{"complaint_what_happened":["It also allows us to close an account, other than a CD, at any time, for any <em>reason</em> or no <em>reason</em>, without giving a <em>reason</em>, and without prior notice. We gave you a copy of the agreement when you opened the account. You can see the current agreement on <em>chase</em>.com. I see that this is there but the <em>problem</em> is that VW Credit states that they do not <em>have</em> an interest in this check when I call. I <em>have</em> spoken with multiple people at VW Credit <em>over</em> the <em>past</em> 20 <em>months</em>."],"sub_issue":["<em>Problem</em> with additional products or services purchased with the loan"]},"sort":[16.271788,"11543725"]},{"_index":"complaint-public-v1","_id":"11238654","_score":15.971181,"_source":{"product":"Credit card","complaint_what_happened":"On Tuesday, XX/XX/XXXX, I made a {$1500.00} payment to my Chase Freedom credit card from my XXXX checking account using my Chase mobile app. The payment was posted to my account the same day ( XX/XX/XXXX ), but my available credit did not increase. I waited until the next day ( XX/XX/XXXX ), at which point the {$1500.00} debit from my XXXX checking had hard posted. It had now been a full business day since I'd initiated the payment, and both the credit ( Chase ) and the debit ( XXXX  ) were hard posted as final transactions on both accounts, with matching transaction Ids/reference numbers. Still, my available credit remained the same. \n\nI attempted to use my Chase Freedom card to pay for something yesterday ( XX/XX/XXXX ) and it was declined ; upon checking my account, my available credit had still not been updated. I thought this must be an error, as I hadn't received any emails, calls, texts, or other communications from Chase alerting me to any issues with my account. \nWith my available credit still unchanged by the time I found a break in my workday this evening ( Friday, XX/XX/XXXX ), I called to find out what was going on. The first representative I spoke to acted rather strange during the call. He stammered for a few minutes about needing to check my account, and kept saying he 'needed to make sure this is really what's happening ' before he could tell me what was happening ... as if he was unfamiliar and/or surprised with what he was seeing. When he finally decided to tell me what the problem was, he stated that my payment 'has been placed on hold for review and would not be released until XX/XX/XXXX. I expressed my confusion ( and displeasure ) at hearing this and asked why it was being held, even though it had cleared the funding account and hard posted to the credit account. He mumbled something about it being Chase policy to sometimes review large payments, and I again asked why it needed to continue to be reviewed for a full week, even after clearing both accounts. He then answered with a slightly different response, stating that it was because mine was a newer account and ACH payments take several days to clear. \n\nAfter arguing about how awful and incredibly inconvenient it is for them to be doing this the weekend before XXXX, I asked to speak with a supervisor, who just repeated the same non-answers as the previous representative. ( This time, however, I was told that my payment would be held for review until XX/XX/XXXX as opposed to XX/XX/XXXX. ) I pointed out that my Chase checking account had a regular balance of $ XXXX, which is more than enough to cover my payment ( 3 times over! ). He asked if I had made this payment from my Chase checking account, to which I said no, because thats not the account I pay bills from. His response was that the accounts were not connected, so my Chase checking balance had no bearing on my Chase credit card status. ( This doesn't add up, for two reasons : 1. He asked if Id made the payment from a Chase account, implying that it DOES have some bearing on payment posting, and 2. I had asked him at one point why my first card payment had cleared immediately, as opposed to being held, and he said that it was because I HAD paid with my Chase checking account. ) At this point I said that they needed to either release my funds back to my XXXX account, or update my available credit. His response was that Chase was not in receipt of the funds, and he claimed he did not have the ability or power to override the hold, nor did he have access to anyone who did. Again, I do not believe this to be true, being that there are matching transaction IDs on both the Chase credit and the XXXX debit, since Wednesday XX/XX/XXXX. I also asked why I had not received any communication from Chase about the fact that my {$1500.00} was being held in limbo for an entire week, and he replied, 'yes you did, it's in your cardmember agreement '. \n\nThe cardmember agreement states : As long as you make your payment in accordance with the instructions on your billing statement by the date and time payments are due, we will credit your payment as of the same day it is received. \n\nThe Chase mobile app, on the final screen when making a payment, states : If youre paying between XXXX XXXX  and XXXX XXXX  ET, well credit your account for the date you choose, but you might not see it for 1 to 2 days. \n\nMy due date is not until XX/XX/XXXX and my minimum payment due for this month was only {$40.00}. I already made a payment of {$250.00} on XX/XX/XXXX which was posted immediately, and I've had an automatic monthly payment of {$200.00} set to pay on the due date since I opened the account, which is to be paid on top of any pre-arranged 'Pay Over Time ' payment amounts. I also have two Chase checking accounts which have held a combined balance of $ XXXX for the past month. I have never had any derogatory items or actions on any of my Chase accounts, nor have myself or my account been flagged for fraud at any time. I have also not had a single delinquent payment or derogatory item on any of my credit cards in over 4 years.","date_sent_to_company":"2024-12-21T12:30:12.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"662XX","tags":null,"has_narrative":true,"complaint_id":"11238654","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-12-21T10:34:31.000Z","state":"KS","company_public_response":null,"sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["I already made a payment of {$250.00} on XX/XX/XXXX which was posted immediately, and I've had an automatic monthly payment of {$200.00} set to pay on the due date since I opened the account, which is to be paid on top of any pre-arranged 'Pay <em>Over</em> Time ' payment amounts. I also <em>have</em> two <em>Chase</em> checking accounts which <em>have</em> held a combined balance of $ XXXX for the <em>past</em> <em>month</em>."],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[15.971181,"11238654"]},{"_index":"complaint-public-v1","_id":"6881011","_score":15.929841,"_source":{"product":"Checking or savings account","complaint_what_happened":"Around XX/XX/2023 I tried to access my Chase personal account online and I couldn't do it. I got a notice stating my online access was restricted and I should call a XXXX #. I thought it was a mistake and maybe the page was down or malfunctioning, so I did nothing, thinking I would try back later... \nOne or two days after that, I received an actual letter from Chase stating that my company 's account was also restricted. I immediately tried to access Chase online on the business side, and I noticed I had the same restriction notice and the same XXXX # to call... \nWhen I realized not only was I not able to access my personal accounts, but my company 's account had restrictions as well, I was extremely worried, because I have a lot of money in my company 's account. I wasn't sure exactly how much money I had because I only have online statements and I was not able to login .... So, I immediately called the XXXX # hoping to understand the problem. \nThe person I talked to at Chase had not much to say, other than Chase reserves the right to close the accounts for any reason. He also said they don't need to give explanations on the situation because it's confidential and that Chase had the right to close the accounts because it was written in the fine-print when I opened the accounts. I told him that I couldn't understand why my accounts were being closed as I don't receive strange international wire transfers, nor I deposit cash or anything that might look suspicious. I just receive money from the same sources month after month, and pay my CCs and bills... He cared less and kept on saying the account was being closed and I didn't need an explanation other than the fact, it was being closed. If they had given me ANY notice in advance, I could have taken the money out, downloaded all the bank statements for my taxes, exported the vendors information and done several banking arrangements before they closed the account, but I was given no time for these arrangements... just the sudden realization I couldn't access online for both, personal and business accounts. \nNext step, I went to a Chase branch and tried to get my money back for both personal, and business accounts. The lady at the counter, ended up calling some XXXX # ( not sure if it was the same number I called, or not ) and talked to someone... Going back and forth, the person on the other side of the phone told the lady at the counter that I could ONLY get 50 % of the money on my personal accounts. I couldn't get my money on the business accounts because they would be sending that with a cashier 's check whenever they finalize closing my account. I was shocked! I wanted my money back in full for all my accounts, and Chase wouldn't give it to me! \nAt the end, I accepted the 50 % of the money on my personal accounts, as I wouldn't want to leave empty handed, but I was very upset at the situation ( to say the least ). \nUp until now, Chase still has 50 % of the money on my personal accounts, and 100 % of my business account... I can only hope for this nightmare to be over and to get my money back. \nI can not say I hate Chase. The online platform is great. My mortgage is also with Chase... The limits I have on my credit cards with them are awesome, although I am now afraid of being rejected every time I swipe them. I am lucky to have other credit cards so I carry other CCs with me, just in case. What I do hate about Chase is the way they closed my accounts. No notice or any time to move my business somewhere else. All the automatic payments, the bill pay vendors ( automatic checks to my vendors ), all that gone and I still have no knowledge of the information about my vendors as I was never able to re-gain online access. Not being able to access bills online through e-bill means I would most definitely miss a lot of my next payments even when they were automatically withdrawn in the past from my Chase personal accounts and the fact I can not access the e-bills ( because I can not login to Chase ) means I don't have my vendor 's information. It's a mess and all that, created for the stupidity of Chase for not giving enough notice when closing the accounts. I should have receive one or two months ' notice, an explanation of the issue, and maybe an opportunity to offer any information Chase may require, before Chase making such a decision of closing my accounts. THAT would have been a nice way to close my accounts : )","date_sent_to_company":"2023-05-02T14:17:07.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"77095","tags":null,"has_narrative":true,"complaint_id":"6881011","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-04-25T01:02:57.000Z","state":"TX","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I should <em>have</em> receive one or two <em>months</em> ' notice, an explanation of the issue, and maybe an opportunity to offer any information <em>Chase</em> may require, before <em>Chase</em> making such a decision of closing my accounts. THAT would <em>have</em> been a nice way to close my accounts : )"],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[15.929841,"6881011"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":61,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":61}]}},"product":{"doc_count":61,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":13,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":10},{"key":"Savings account","doc_count":2},{"key":"Other banking product or service","doc_count":1}]}},{"key":"Mortgage","doc_count":11,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":8},{"key":"FHA mortgage","doc_count":1},{"key":"Home equity loan or line of credit 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