{"took":802,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":41,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"5663286","_score":29.395645,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Hello, I am a XXXX XXXX not in XXXX XXXX  and my computer was hacked by someone claiming to be from XXXX. I just noticed in my email that several complaints with you were filed by this hacker. I have not filed any complaints and would like them withdrawn. They are listed below and I have changed my password to your site XXXX XXXX XXXX Your complaints COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER-IDENTIFIED COMPANY SUBMITTED STATUS XXXX XXXX XXXX General-purpose credit card or charge card Problem with a purchase shown on your statement CHASE BANK CREDIT CARD XX/XX/2022 Closed Marked as a duplicate complaint on XX/XX/2022 XXXX XXXX XXXX General-purpose credit card or charge card Other features, terms, or problems CHASE BANK CREDIT CARD XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX General-purpose credit card or charge card Problem with a purchase shown on your statement CHASE BANK CREDIT CARD XX/XX/2022 Closed Feedback provided","date_sent_to_company":"2022-06-13T12:27:15.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"60640","tags":"Older American","has_narrative":true,"complaint_id":"5663286","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-06-13T12:18:58.000Z","state":"IL","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["/XX/2022 Closed Feedback provided XXXX XXXX XXXX General-purpose <em>credit</em> <em>card</em> or charge <em>card</em> Problem with a <em>purchase</em> <em>shown</em> on <em>your</em> <em>statement</em> <em>CHASE</em> BANK <em>CREDIT</em> <em>CARD</em> XX/XX/2022 Closed Feedback provided"],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"company":["JPMORGAN <em>CHASE</em> & CO."],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[29.395645,"5663286"]},{"_index":"complaint-public-v1","_id":"10089970","_score":25.696218,"_source":{"product":"Credit card","complaint_what_happened":"Chase Freedom Visa Card Statement Due date XX/XX/XXXX. At account summary it shows a debit amount of {$190.00} instead of a credit amount of {$600.00}. I paid the {$190.00} on XX/XX/XXXX, Confermation number XXXX, unaware what was going on. I trusted Chase too much. On my payment due date of XX/XX/XXXX under account summery it shows a credit of {$230.00} however I only paid {$190.00} on XX/XX/XXXX. The same summary shows Purchases in the amount of {$790.00} but I had a redemption credit of {$43.00} and it should be {$750.00}. The new debit balance is shown as {$750.00}, however it should be {$550.00}. Stupid me I paid {$740.00} on XX/XX/XXXX Confermation Number XXXX on XX/XX/XXXX Credit card statement. \nThere is also a debit of {$830.00} instead of {$840.00} on my XXXX XXXX XXXX XXXX XXXXXXXX Statement by Chase for XXXX XX/XX/XXXX due credit card statement. \nThere are many other errors which I can supply additionally. Can one ask the bank for previous purchase details copies. I miss some. \nAlso Chase pocketed the difference between what a grocery store charges to my credit card and the final smaller amount. I never got a credit on my account. This happened over the years. Others must have the same experience. \nThank you for your help.","date_sent_to_company":"2024-09-11T16:32:34.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"30075","tags":"Older American","has_narrative":true,"complaint_id":"10089970","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-09-05T22:43:25.000Z","state":"GA","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["The same summary shows <em>Purchases</em> in the amount of {$790.00} but I had a redemption <em>credit</em> of {$43.00} and it should be {$750.00}. The new debit balance is <em>shown</em> as {$750.00}, however it should be {$550.00}. Stupid me I paid {$740.00} on XX/XX/XXXX Confermation Number XXXX on XX/XX/XXXX <em>Credit</em> <em>card</em> <em>statement</em>. \nThere is also a debit of {$830.00} instead of {$840.00} on my XXXX XXXX XXXX XXXX XXXXXXXX <em>Statement</em> by <em>Chase</em> for XXXX XX/XX/XXXX due <em>credit</em> <em>card</em> <em>statement</em>."],"product":["<em>Credit</em> <em>card</em>"],"issue":["Problem with a <em>purchase</em> <em>shown</em> on <em>your</em> <em>statement</em>"],"company":["JPMORGAN <em>CHASE</em> & CO."],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Card</em> was charged for something you did not <em>purchase</em> with the <em>card</em>"]},"sort":[25.696218,"10089970"]},{"_index":"complaint-public-v1","_id":"6260291","_score":25.052147,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have received a reply from CHASE credit card services from the Credit Service Specialist, XXXX regarding my \" cfpb '' complaint ID XXXX. As of today, XX/XX/2022 my dispute of {$430.00} is not resolved. \n\nHere is the full description of my dispute that I have written back to CHASE. The problem is on CHASE, they did not correctly credited the disputed amount of {$430.00} into my credit balance. \n\nXXXX Cardmember Service Specialist XXXX XXXX XXXX XXXX, DE XXXX Dear Customer Service Specialist XXXX, This is to inform you that I have received your reply dated XX/XX/2022 regarding my dispute. As you said in your reply I should be able to see the credit of {$430.00} online in my account. As of today, on XX/XX/2022 I Did not see any refund of {$430.00} in my account. I have just downloaded the XX/XX/2022 Statement it does not show any correction of - {$430.00} in my CHASE Credit Card Balance. \n\nHere I have to summarize one more time to point out that the error is made by CHASE. \nAttached you will find copies of XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022 with my hand written notes. \n\nXXXX ) The XX/XX/2022 Statement : This statement shows the total purchase from XXXX XXXX XXXX XXXX as verified in your XX/XX/2022 letter. In addition, this statement also shows the amount of - {$430.00} was returned to XXXX XXXX XXXX XXXX. However, {$430.00} refund shown by XXXX XXXX  XXXX XXXX was not credited, was not deducted in my XX/XX/2022 statements total balance. The total balance that I owe to CHASE still bills me the full {$920.00} total purchase that I made from XXXX XXXX  XXXX XXXX. The balance of XX/XX/2022 statement should have been {$560.00} after crediting the {$430.00}. \nI have paid {$560.00} for my true /valid purchases that applies towards purchases made from XXXX XXXX XXXX XXXX before the XX/XX/2022 statements due date and leaving {$430.00} unpaid with an expectation that CHASE to correct the error and apply the amount of - {$430.00} on my credit balance. \n\n2 ) The XX/XX/2022 Statement : This Statement shows the payment of XXXX that I have made but never and never shows the amount of - {$430.00} which should have been credited towards my CHASE credit card balance. \n\n3 ) The XX/XX/2022 Statement : This statement still shows my unpaid {$430.00} which should have been credited by CHASE for the items returned back to XXXX XXXX  XXXX XXXX. As of this statement CHASE still did not credited the - {$430.00} to my balance. Instead it shows a credit of - {$50.00} leaving {$380.00} balance in account As a summary I do not owe any further balance to CHASE, instead CHASE owes me {$430.00}. \n\n\nThanks for your attention in this matter. \nXXXX XXXX CC : Consumer Finance Protection Bureau","date_sent_to_company":"2022-11-30T22:06:45.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"95037","tags":null,"has_narrative":true,"complaint_id":"6260291","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-11-30T21:26:20.000Z","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 have just downloaded the XX/XX/2022 <em>Statement</em> it does not show any correction of - {$430.00} in my <em>CHASE</em> <em>Credit</em> <em>Card</em> Balance. \n\nHere I have to summarize one more time to point out that the error is made by <em>CHASE</em>. \nAttached you will find copies of XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022 with my hand written notes. \n\nXXXX ) The XX/XX/2022 <em>Statement</em> : This <em>statement</em> shows the total <em>purchase</em> from XXXX XXXX XXXX XXXX as verified in <em>your</em> XX/XX/2022 letter."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["Problem with a <em>purchase</em> <em>shown</em> on <em>your</em> <em>statement</em>"],"company":["JPMORGAN <em>CHASE</em> & CO."],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a dispute about a <em>purchase</em> on <em>your</em> <em>statement</em>"]},"sort":[25.052147,"6260291"]},{"_index":"complaint-public-v1","_id":"5683625","_score":25.03148,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have an Amazon Prime Visa card ( financed by Chase Bank ), and they have a feature where they break down what your \" interest saving balance '' is each month. The statement explains : \" Pay the Interest Saving Balance every month by your due date to avoid interest on new purchases and avoid prematurely paying off your flexible financing offer balances. This amount includes your current statement new balance, minus your total balance for flexible financing offers, plus your monthly payment due for all flexible financing offers. '' And also \" By paying your Interest Saving Balance each billing period by your due date, you will avoid interest on purchases appearing on your next statement. '' On my statement issued on XX/XX/22, the Interest Saving Balance listed was {$1000.00}. I also redeemed some credit card rewards for a statement credit worth {$6.00} on XX/XX/22. Subsequently, on the payment page for this credit card, I was then shown an Interest Saving Balance of {$1000.00} ( which is {$1000.00} minus the {$6.00} statement credit ). So I paid the remaining amount of {$1000.00} on XX/XX/22, which was one day prior to my payment due date of XX/XX/22. On my next statement issued on XX/XX/22, I was charged {$16.00} in interest. \n\nI contacted Chase to get an explanation and was told by the first person that I didn't pay the {$1000.00} by the due date. I replied and explained that I had redeemed a statement credit and in fact did have credits and payments totaling {$1000.00} that were credited to my account prior to the due date, but the next 2 customer service representatives who responded did not address this discrepancy, and instead told me I had to \" pay the full statement balance '' to avoid paying interest. \n\nI feel like this is deceptive and I would gladly have paid the extra {$6.00} with my payment vs redeeming a statement credit if I had known I would just be charged {$16.00} in interest. On this next statement cycle, I verified that this is occurring after redeeming another statement credit - my Interest Saving Balance shown to me on the payment page was decreased by exactly the amount I redeemed for a credit to my account. Chase does NOT indicate in any of the fine print that statement credits do not count towards payment of this Interest Savings Balance, and nobody with their customer service has attempted to address this issue. I plan to pay off my card completely and not use Chase for any credit card needs in the future, but I hope others are not needlessly paying interest due to their deceptive and false descriptions of this \" feature '' with this credit card. \n\nI do not have any copies or screen shots from this initial incident that I am reporting, but I do have screen shots that I will include of my current statement ( Interest Saving Balance listed as {$270.00} ) and the change in the Interest Saving Balance displayed on the payment page ( reduced to {$260.00} ) after redeeming {$12.00} in rewards as a statement credit.","date_sent_to_company":"2022-06-17T04:50:38.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"98155","tags":null,"has_narrative":true,"complaint_id":"5683625","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-06-17T04:11:05.000Z","state":"WA","company_public_response":null,"sub_issue":"Charged too much interest"},"highlight":{"complaint_what_happened":["I have an Amazon Prime Visa <em>card</em> ( financed by <em>Chase</em> Bank ), and they have a feature where they break down what <em>your</em> \" interest saving balance '' is each month. The <em>statement</em> explains : \" Pay the Interest Saving Balance every month by <em>your</em> due date to avoid interest on new <em>purchases</em> and avoid prematurely paying off <em>your</em> flexible financing offer balances."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"company":["JPMORGAN <em>CHASE</em> & CO."],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[25.03148,"5683625"]},{"_index":"complaint-public-v1","_id":"6151372","_score":24.602438,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Following was sent to the credit card company, the CHASE Credit Card for South West Rapid Rewards on XX/XX/2022 with Certified Mail to the address shown on the 2nd page of the monthly bill where it says \" What to do If You Think You Find A Mistake On Your Statement '', since then they have not replied at all. \n\nThis is to inform you that there is an error in the billing statement dated XX/XX/2022 on my South West Rapid Rewards Credit Card due on XX/XX/2022 which I am disputing. It should be resolved immediately upon receipt of this dispute letter. \n\nI have made two on line purchases with a PO number XXXX from XXXX XXXX XXXX on XX/XX/2022 which is shown on the attached XXXX XXXX XXXX XXXX. It clearly shows on this document I was charged in the amount of {$920.00} which included the sales tax for the two items. Cost of each item before sales tax was {$390.00} and {$440.00} each. After adding the sales tax cost of the purchase was {$430.00} and {$490.00} for each item yielding to the total purchase amount of {$920.00}. \n\nShortly after receipt of these on line items I have returned one of the items back to XXXX XXXX in person as shown on the VISA Statement in the amount of - {$430.00}. However, this amount for the returned item has not been deducted from the total balance due. Both purchase and returned items fall within the same statement period. Therefore, there is a serious error in the statement that I have received, dated due date of XX/XX/2022, this statement did not apply the returned item of - {$430.00} as credit. Yes, it shows it has been returned as - {$430.00} in the statement but it has not been applied as credit against the total purchase amount of {$920.00} and hasnt been deducted from {$920.00}. Total balance on this statement should have been {$490.00}.","date_sent_to_company":"2022-11-01T23:22:26.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"95037","tags":null,"has_narrative":true,"complaint_id":"6151372","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-11-01T22:39:38.000Z","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":["Following was sent to the <em>credit</em> <em>card</em> company, the <em>CHASE</em> <em>Credit</em> <em>Card</em> for South West Rapid Rewards on XX/XX/2022 with Certified Mail to the address <em>shown</em> on the 2nd page of the monthly bill where it says \" What to do If You Think You Find A Mistake On <em>Your</em> <em>Statement</em> '', since then they have not replied at all. \n\nThis is to inform you that there is an error in the billing <em>statement</em> dated XX/XX/2022 on my South West Rapid Rewards <em>Credit</em> <em>Card</em> due on XX/XX/2022 which I am disputing."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["Problem with a <em>purchase</em> <em>shown</em> on <em>your</em> <em>statement</em>"],"company":["JPMORGAN <em>CHASE</em> & CO."],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a dispute about a <em>purchase</em> on <em>your</em> <em>statement</em>"]},"sort":[24.602438,"6151372"]},{"_index":"complaint-public-v1","_id":"10121767","_score":24.32193,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/year>, I bought a plane ticket through Southwest Airlines for {$260.00}. During this period Chase Bank and Southwest Airlines offered {$300.00} for your first flight as long as you put it on the Southwest credit card. XX/XX/XXXX I applied for the credit card and got accepted, and when I purchased the flight, the total that was shown that would be put on my card was {$39.00} for the flight, due to the special offer that was going on.\n\nI got my first statement towards the end of XXXX, and the total for the flight, and on my card was as stated above. When I called and tried to talk about it with Southwest Airlines, they directed me to call Chase. I have called Chase twice now and explained what happened, and then they told me to wait 12-14 days to receive something in the mail, and during this time if a payment would come due I wouldn't receive a late fee. Now, after trying to dispute this incident and get it corrected, I have received two late fees and no understanding from Chase Bank.","date_sent_to_company":"2024-09-15T02:05:40.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"530XX","tags":null,"has_narrative":true,"complaint_id":"10121767","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-09-15T01:49:33.000Z","state":"WI","company_public_response":null,"sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["During this period <em>Chase</em> Bank and Southwest Airlines offered {$300.00} for <em>your</em> first flight as long as you put it on the Southwest <em>credit</em> <em>card</em>. XX/XX/XXXX I applied for the <em>credit</em> <em>card</em> and got accepted, and when I <em>purchased</em> the flight, the total that was <em>shown</em> that would be put on my <em>card</em> was {$39.00} for the flight, due to the special offer that was going on.\n\nI got my first <em>statement</em> towards the end of XXXX, and the total for the flight, and on my <em>card</em> was as stated above."],"product":["<em>Credit</em> <em>card</em>"],"company":["JPMORGAN <em>CHASE</em> & CO."],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[24.32193,"10121767"]},{"_index":"complaint-public-v1","_id":"3466695","_score":24.008217,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Dates: Ongoing fraud since or about 3 1/2 years since FYXX/XX/XXXX, XX/XX/XXXX. Fraudulent amount XXXX  on card from zero liability XXXX  theft. No credit issued or credit replacement card issued to the new address rather than simply mailing the card Chase has not sent the card via XXXX  since the United States Mail is not running for some reason unknown.Specific issues:1. Chase Marriott's Bon Voyage has failed to return my credit card after closing a card due to fraud. 2. Fraud no replacement card.3. Fraudulent transactions for zero liability protection.4. Refusal to return card & allow usage of my card.5. Refusal to provide the bank statement for a period of 3 1/2 years & notifying and contacting Marriott of this problem refusal to allow contact to the credit card & routed for 3 1/2 years to security department failing to explain each time why.6. My calls are confirmed receipt & by fraud the account is taken over by the so-called \"security department.\"  7. My call after phone the company is then hacked & stops working all remaining calls are rejected. 8.  I didn't received advertised interest rate.9.Trouble using your card (making purchases, credit limit)10. Credit card will not allow the bank statements & I don't know the payment amount each mother because of this I am assess late fees not knowing the payment amount &Fees or interest.11. A Fraud charge was not authorized from a company named XXXX  & reported to  Chase Bank Card & Chase has refused to  the confirmed reporting or returning my replacement card.12. Problem with a purchases shown on your statement(billing dispute, fraud, transaction issue)13. Problem when making payments14. Problems with the terms & condition & rewards program & convenience checks & privacy issues someone has taken over the card from the best of my knowledge.15. Problem with credit report or credit score for the above reasons.16. Can't use card to make purchases. THIS COMPANY REFUSED TO REPLACE MY CARD AFTER REPORTING THE FRAUD ABOVE & REFUSES TO SEND IT EXPEDITED IMMEDIATELY AS IT HAS BEEN 4 WEEKS NOW SINCE XX/XX/XXXX &/OR BEFORE.","date_sent_to_company":"2019-12-12T18:21:52.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"53202","tags":null,"has_narrative":true,"complaint_id":"3466695","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-12-12T17:35:51.000Z","state":"WI","company_public_response":null,"sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["Problem with a <em>purchases</em> <em>shown</em> on <em>your</em> <em>statement</em>(billing dispute, fraud, transaction issue)13. Problem when making payments14. Problems with the terms & condition & rewards program & convenience checks & privacy issues someone has taken over the <em>card</em> from the best of my knowledge.15. Problem with <em>credit</em> report or <em>credit</em> score for the above reasons.16. Can't use <em>card</em> to make <em>purchases</em>."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["Trouble using <em>your</em> <em>card</em>"],"company":["JPMORGAN <em>CHASE</em> & CO."],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Can't use <em>card</em> to make purchases"]},"sort":[24.008217,"3466695"]},{"_index":"complaint-public-v1","_id":"3780745","_score":23.063854,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I opened a personal Chase Credit Card account ( last 4 digits XXXX ) in  XX/XX/XXXX ( see exhibit A ). I used this account and then closed the account in XX/XX/XXXX. Image of card is shown in Exhibit B. \n\nDuring the time this account was open, I made a transaction with XXXX XXXX XXXX on XX/XX/XXXX ( see exhibit C & D ) for {$240.00}. A copy of my account statement showing this charge is shown in exhibit E on the 3rd page E3. The event that I purchased for {$240.00} was subsequently canceled in XX/XX/XXXX ( see exhibit F ). I contacted the merchant, XXXX XXXX XXXX and was informed that they sent a credit to the credit card account the event was originally purchased ( last 4 digits XXXX ) on XX/XX/XXXX, after the account was closed. Please see exhibit G attached showing the receipt from the merchant, XXXX XXXX XXXX for the {$240.00} credit. \n\nUpon calling Chase Card Services XX/XX/XXXX, I learned that my account ( last 4 digits XXXX ) had been purged by Chase from your system. Since, the account has been purged there was no way for the Chase representatives to look into my account and find out what happened to the credit that was sent to me from XXXX XXXX XXXX. \n\nI am owed the credit that XXXX XXXX XXXX sent to Chase on my behalf on XX/XX/XXXX for {$240.00}. \n\nI have contacted Chase numerous times but nobody can access this account since they claim it was purged from their system. I was promised by XXXX in Chase Email Servicing that the matter would be investigated and they would contact me within 14 business days. It has now been 22 business days, and when I contacted them again, they have no response, and no record of any investigation, it is as if I am starting over with them. \n\nXXXX XXXX XXXX, whom I have also contacted numerous times, thinks the refund was processed XX/XX/XXXX as referenced above, but Chase has no record of receiving this refund as they can't access this \" purged '' account. \n\nI need Chase to either to find the refund of {$240.00} and send it to me, or send me and XXXX  a letter that they have not received the refund so XXXX can issue a new refund direcly to me.","date_sent_to_company":"2020-08-05T20:37:21.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"77019","tags":null,"has_narrative":true,"complaint_id":"3780745","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-08-05T20:16:25.000Z","state":"TX","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 opened a personal <em>Chase</em> <em>Credit</em> <em>Card</em> account ( last 4 digits XXXX ) in  XX/XX/XXXX ( see exhibit A ). I used this account and then closed the account in XX/XX/XXXX. Image of <em>card</em> is <em>shown</em> in Exhibit B. \n\nDuring the time this account was open, I made a transaction with XXXX XXXX XXXX on XX/XX/XXXX ( see exhibit C & D ) for {$240.00}. A copy of my account <em>statement</em> showing this charge is <em>shown</em> in exhibit E on the 3rd page E3."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["Problem with a <em>purchase</em> <em>shown</em> on <em>your</em> <em>statement</em>"],"company":["JPMORGAN <em>CHASE</em> & CO."],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a dispute about a <em>purchase</em> on <em>your</em> <em>statement</em>"]},"sort":[23.063854,"3780745"]},{"_index":"complaint-public-v1","_id":"5919371","_score":22.537083,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I'd like to make a complaint about Chase 's deceptive use of flexible financing offers ( \" My Chase Plan '' ) and its use of the term \" interest saving balance ''.\n\nI am someone who pays off my credit card, in full, every month. I have all of my cards set up on autopay so that they pay the full balance each month without any intervention from me. \n\nIn XXXX, I made a large purchase of {$10000.00} on my card for a medical expense - a charge that I would normally have paid off in full that month - and Chase contacted me with a promotional offer to set up a flexible financing plan, or \" My Chase Plan '' to spread that charge over 9 months, with 0 interest and 0 fees. While I have never in my life carried a balance on any credit card before, the promotional offer enticed me, since it was completely free. When I set up the plan, I was required to change my autopay settings from paying the \" Statement Balance '' to paying an \" Interest Saving Balance ''. Chase describes the difference between those two options as follows on the autopay page : \" [ 'Statement Balance ' ] would pay off the total amount of your flexible financing offers at once. If you'd like to pay the monthly amount instead for the flexible financing offers you set up and avoid interest on new purchases, please choose \" interest saving balance. '' For a few months, Chase auto-paid itself varying amounts each month, from {$1100.00} to {$1100.00}. I continued to make small purchases on my card, which I assumed were being paid off through this \" Interest Savings Balance. '' Although the numbers were impossible for me to interpret due to the carried balance subject to my flexible financing offer, the amount charged varied each month and the total balance seemed to go down over time. Moreover, each month 's statement contained a section reading as follows, and leading me to believe that the total amount of new purchases each month were being included in each monthly autopayment : \" What is an Interest Saving Balance? Pay the Interest Saving Balance every month by your due date to avoid interest on new purchases and avoid prematurely paying off your flexible financing offer balances. This amount includes your current statement new balance, minus your total balance for flexible financing offers, plus your monthly payment due for all flexible financing offers. It doesnt include disputed amounts. '' Suddenly, in XXXX, I received a standard email notification of an upcoming autopayment, which indicated that my \" Interest Saving Balance '' that month was over {$5600.00}. I quickly logged on to check my card, as I did not remember making a large charge that month and was concerned that I could be the victim of fraud. But I only saw my usual, small purchases. I also checked all of my account settings to ensure nothing had changed and that I was still set up to pay the \" Interest Saving Balance ''. Unable to figure out what was going on after studying my account and past statements for over 30 minutes, I called Chase. A representative was also perplexed, and took 15 minutes to study my account. Finally, she came back and explained that, contrary to what Chase had represented to me at the time I signed up for the flexible financing offer, contrary to what is shown on its autopay settings page on its website, and contrary to what is in every monthly statement I have received since XXXX, Chase was NOT including my new monthly charges in the autopay amount of \" Interest Saving Balance '' each month. She explained that, unbeknownst to me, there was a promotional 0 % APR rate on my card until XX/XX/XXXX, so all of the charges I made from XXXX to XXXX had not been auto-paid, and were instead accumulating every month, only to suddenly come due in XXXX. None of this was properly disclosed. I frankly had no idea that there was any temporary promotional 0 % APR on my card ( since I never carry a balance ), and had no idea that selecting \" Interest Saving Balance '', as I was required to do, would cause me to accumulate additional debt that was not being paid off every month. In fact, each month 's statement directly represents the opposite, saying that the \" Interest Saving Balance '' \" includes your current statement new balance, '' and further saying that \" any promotional purchase APR offers '' are not included in the \" flexible financing offers '' that are deducted from that Interest Saving Balance each month.\n\nIn this instance, I have not been financially harmed by Chase 's misrepresentations, other than perhaps through a small hit to my credit score. I was not charged any late fees or interest, and although I am surprised by the sudden {$5600.00} charge, I am fortunate to be able to pay it in full without issue. That being said, this practice was clearly misrepresented to me, and presumably other consumers, and Chase 's misrepresentations constitute, in my view, abusive and predatory lending practices that could seriously harm those who are less financially advantaged. I hope that the CFPB will investigate this and ensure that Chase updates its practices and disclosures so that other consumers are not harmed by sudden undisclosed charges.","date_sent_to_company":"2022-08-26T22:05:52.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"77009","tags":null,"has_narrative":true,"complaint_id":"5919371","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-08-26T21:31:38.000Z","state":"TX","company_public_response":null,"sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["In XXXX, I made a large <em>purchase</em> of {$10000.00} on my <em>card</em> for a medical expense - a charge that I would normally have paid off in full that month - and <em>Chase</em> contacted me with a promotional offer to set up a flexible financing plan, or \" My <em>Chase</em> Plan '' to spread that charge over 9 months, with 0 interest and 0 fees. While I have never in my life carried a balance on any <em>credit</em> <em>card</em> before, the promotional offer enticed me, since it was completely free."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"company":["JPMORGAN <em>CHASE</em> & CO."],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Confusing or misleading advertising about the <em>credit</em> <em>card</em>"]},"sort":[22.537083,"5919371"]},{"_index":"complaint-public-v1","_id":"11841703","_score":22.186394,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXX and Chase Bank ( USA ) presented me with a benefit offer that has not been honored and was fraudulent and misleading. \n\nIn XX/XX/XXXX, when purchasing XXXX XXXX flight tickets, I was offered a XXXX mile bonus by XXXX XXXX and Chase Bank at time of checkout in conjunction with a Chase credit card account. This was a large value of points towards XXXX XXXX XXXX and motivated me to buy tickets from XXXX XXXX and use the Chase Credit card more extensively than I would have otherwise. Via the XXXX XXXX website, I was offered the bonus, applied for the account, and was given a Chase Bank and XXXX XXXX XXXX credit card. I had carefully read all terms and conditions and taken notes of all terms and language at the time of signup. The offer is still being issued today on the XXXX XXXX and Chase Bank websites and promotional material in exactly the same manner and has since increased to a XXXX mile offer for the same credit card. \n\nThe stipulated terms offered a bonus award of XXXX XXXX miles upon the charge of {$3000.00} XXXX on the account within the first 3 months. There were no other stated obligations. I was given the card, paid a $ XXXX annual fee, and charged over $ XXXX on the card in the next 3 months. This according to all stated terms would satisfy this offer terms. \n\nI waited the requisite XXXX weeks for the bonus to be processed and did not receive the points. I called both XXXX XXXX and Chase Bank to request the points and was initially ( XX/XX/XXXX ) told the points were in process and would be credited. After waiting another few weeks I called both parties. XXXX XXXX confirmed that I was due the offer, but Chase Bank at that time ( XX/XX/XXXX below ) informed me that I was found not eligible, with no further explanation. \n\nI have noticed that the card documentation provided by Chase Bank with my credit card conspicuously did not mention the XXXX bonus, even when clearly stated in the past and current online terms ( see below ) and reiterated by XXXX XXXX customer service and initially by Chase. I have contacted XXXX XXXX customer service and Chase Bank for copies of documentation of this offer and was told that they do not have any documentation available to share. I am copying below the Benefit offer as was presented to me at the time and is still currently used to market this card and live links to these offers. This is a clear effort to bait and switch customers and fraudulently provide a product that differs greatly in value from the centrally advertised feature. \n\n\n\n\nNOTES : Existing Offers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chase Bank Statement : Your account isn't eligible for the bonus offer you requested Your account ending in XXXX Dear XXXX : We appreciate your interest in our new offer to receive XXXX bonus points. Unfortunately your account isn't eligible to receive it. Promotional offers are only available for select credit cards and aren't transferable between accounts.\n\nSi n c er el y, Car d S er v i c es XXXX Card Offer Details Offer Details Offers may vary depending on where you apply, for example online or in a branch, and can change over time. To take advantage of this particular offer now, apply through the method provided in this advertisement. Review offer details before you apply. \nEarn Up To XXXX Bonus Points XXXX Bonus Points After You Spend {$3000.00} On Purchases In The First 3 Months From Account Opening : This product is not available to either ( i ) current cardmembers of the Chase XXXX XXXX, or ( ii ) previous cardmembers of the Chase XXXX XXXX who received a new cardmember bonus for this card within the last 24 months. To qualify and receive your bonus, you must make Purchases totaling {$3000.00} or more during the first 3 months from account opening. ( Purchases do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. ) After qualifying, please allow XXXX to XXXX weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. \nTo qualify for the additional XXXX XXXX points after 13 months of account opening, the annual fee for the second year of card membership must have posted to your Chase XXXX account and paid in full. After qualifying, please allow XXXX to XXXX weeks for bonus points to post to your Chase XXXX account. To be eligible for this bonus offer, the account must be open and not in default at the time of fulfillment. \nEarning Points : Rewards Program Agreement : For more information about the Chase XXXX card rewards program, view the latest Rewards Program Agreement ( PDF ) Opens in a new window. We will mail your Rewards Program Agreement once your card account is established. If you become a Chase Online customer, your Rewards Program Agreement will also be available after logging in to chase.com Opens in a new window. \nHow you can earn points : Youll earn points on purchases of products and services, minus returns or refunds, made with a Chase XXXX XXXX by you or an authorized user of the account. Buying products and services with your card, in most cases, will count as a purchase ; however, the following types of transactions wont count and wont earn points : balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. XXXX points ( XXXX points ) : Youll earn XXXX points for each {$1.00} spent on purchases made with XXXX XXXX directly. Purchases of gift cards ; car rentals, hotel bookings, and other third-party partner products and services that can be purchased through aircanada.com Opens Overlay ; and onboard Wi-Fi are excluded. XXXX XXXX tickets purchased through travel agencies, discount travel sites, vacation clubs, tour operators, or tickets booked as part of a travel package offered by non-airline merchants will not qualify. XXXX points ( XXXX points ) : Youll earn XXXX points for each {$1.00} spent on purchases made in any of the following rewards categories : grocery stores ; dining at restaurants including takeout and eligible delivery services. XXXX point ( XXXX points ) : Youll earn XXXX point for each {$1.00} spent on all other purchases. Information about earning/transferring points to XXXX : Points will be automatically transferred to XXXX after the end of each billing cycle. Points expiration : The points transferred to your XXXX XXXX account wont expire as long as your card account is open. If your card account is closed, the expiration of points earned in this program that are transferred to your XXXX XXXX account will be governed by the XXXX Program General Terms and Conditions Opens Overlay, available on XXXX XXXX website. Losing points : Youll immediately lose all points that havent been transferred to XXXX if your card account status changes, or your card account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of the Rewards Program Agreement. Rewards Categories : Merchants who accept XXXX credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa/Mastercard procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making rewards offers to you. Please note : We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant wont qualify for rewards offers on purchases in that category. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category. For more information about Chase rewards categories, see chase.com/RewardsCategoryFAQs Opens in a new window. \nXXXX XXXX Checked Bags You, as the primary cardmember, and up to XXXX ( XXXX ) other passengers traveling on the same reservation ( up to a maximum of XXXX ( XXXX ) travelers ), are each entitled to a free first checked bag up to XXXX. Benefit only applies when checking in with XXXX XXXX, for a flight operated by XXXX XXXX XXXX XXXX XXXX XXXX or under the XXXX XXXX XXXX brand. Benefit is not available if check-in is with another airline. If the first checked bag is already complimentary ( for example, as a result of XXXX XXXX XXXX or fare purchased ), there is no additional checked bag benefit that will be provided. Free first checked bag benefit may not be applied retroactively, and no refunds will be issued. Service charges for additional/oversized/overweight baggage may apply. Chase is not responsible for the provision of, or failure to provide, the stated benefits. For more information on baggage restrictions, please visit aircanada.com/baggage Opens Overlay. \n500 Monthly Bonus Points You, as the primary cardmember, will earn XXXX bonus points for each {$2000.00} spent each calendar month on up to {$6000.00} in purchases ( for a possible total of XXXX bonus points each calendar month ). Purchases are when you, or an authorized user, use a card to make purchases of products and services. Buying products and services with your card, in most cases, will count as a purchase ; however, the following types of transactions wont count : balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. Please allow up to XXXX weeks after qualifying purchases post to your account for bonus points to post to your XXXX account. To receive bonus points, your credit card account must be open and not in default at the time of fulfillment. Bonus points will be credited to the calendar month in which the qualifying transaction posts to your credit card account. Delays by a merchant, such as for shipping, could extend a transaction date into the next calendar month. \nXXXX XXXX Status for New Cardmembers You, as the primary cardmember, will receive XXXX XXXX Status for the calendar year in which your Chase XXXX XXXX account is opened and for the following calendar year. If you have earned a higher status by other means ( in accordance with Air XXXX XXXX XXXX Status Terms and Conditions ), you will retain the higher status. This benefit is not available to current or previous cardmembers who received this benefit of the credit card within the last 60 months. XXXX XXXX Status and access to all associated features, benefits, services and amenities are subject to the Terms and Conditions of the XXXX XXXX Status program and are available at aircanada.com/elite-termsandconditions Opens Overlay. XXXX XXXX XXXX is non transferrable. Your Chase XXXX Card account must be linked to your XXXX number and must be open and not in default to receive and retain XXXX XXXX Status. Chase is not responsible for the provision of, or failure to provide, the stated benefits. \nMaintain or Qualify for XXXX XXXX XXXX Status Each calendar year in which you spend at least {$15000.00} in purchases you, as the primary cardmember, will earn XXXX XXXX Status through the following calendar year. Purchases are when you, or an authorized user, use the card to make purchases of products and services, minus returns or refunds. Buying products and services with your Chase XXXX XXXX, in most cases, will count as a purchase ; however, the following types of transactions wont count : balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your Chase XXXX XXXX account XXXX interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. On XX/XX/XXXX of each calendar year, the calculation resets to zero and you must qualify again in the next calendar year. Purchases made towards the end of a calendar year XXXX not be posted to your Chase XXXX XXXX account until the next calendar year and will therefore be included in the calculation for that year. Please allow XXXX ( XXXX ) to XXXX ( XXXX ) weeks after qualifying for XXXX XXXX XXXX to be applied to your XXXX account. If you earned a higher status by other means ( in accordance with Air XXXX XXXX XXXX Status Terms and Conditions ) you will retain the higher status. XXXX XXXX Status and access to all associated features, benefits, services and amenities are subject to the Terms and Conditions of the XXXX XXXX Status program and are available at aircanada.com/elite-termsandconditions Opens Overlay. XXXX XXXX XXXX is non transferrable. Your Chase XXXX Card account must be linked to your XXXX number and must be open and not in default to receive and retain XXXX XXXX Status. Chase is not responsible for the provision of, or failure to provide, the stated benefits. \nXXXX XXXX Status Level Up to XXXX XXXX Status or higher Each calendar year you spend at least {$50000.00} in purchases, you, as the primary cardmember, will earn an XXXX XXXX Status Level Up benefit consisting of a one-level increase of your status for the next calendar year. For example, if during a calendar year you spend {$50000.00} in purchases and have otherwise earned XXXX XXXX Status for the next calendar year, your status will increase from XXXX XXXX to XXXX Status for the duration of the next calendar year and will drop down to your otherwise earned XXXX Status at the beginning of the calendar year after that, unless you earn a higher status or another XXXX XXXX Status Level Up benefit. Your status can only be increased through this benefit once per calendar year. The benefit always applies to the status you otherwise earn and is not cumulative year to year. This means if you earn the benefit in consecutive years, and otherwise qualify for XXXX XXXX Status in both years, that this benefit will increase your status to XXXX XXXX Status in both years ; the second increase will not build from the previous years increased level of XXXX XXXX Status and increase your status level to XXXX XXXX Status. If you earned the highest XXXX status level, XXXX XXXX XXXX Status, for the next calendar year in accordance with Air XXXX XXXX XXXX Status Terms and Conditions, and also spend {$50000.00} with the Chase XXXX XXXX, instead of an XXXX XXXX Status Level Up benefit you will receive XXXX ( XXXX ) XXXX XXXX Status to gift to another XXXX member for the next calendar year. More details about qualifying for XXXX XXXX XXXX can be found at aircanada.com/elitequalification Opens Overlay. Purchases are when you, or an authorized user, use a card to make purchases of products and services, minus returns or refunds. Buying products and services with your Chase XXXX XXXX, in most cases, will count as a purchase ; however, the following types of transactions wont count : balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your Chase XXXX XXXX account XXXX interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. On XX/XX/XXXX of each calendar year, the calculation resets to zero and you must qualify again in the next calendar year. Purchases made towards the end of a calendar year XXXX not be posted to your Chase XXXX XXXX account until the next calendar year and will therefore be included in the calculation for that calendar year. XXXX XXXX XXXX and access to all associated features, benefits, services, and amenities are subject to the Terms and Conditions of the XXXX XXXX Status program and are available at aircanada.com/elite-termsandconditions Opens Overlay. XXXX XXXX XXXX is non transferrable. Your Chase XXXX Card account must be linked to your XXXX number and must be active and not in default to receive and retain XXXX XXXX Status. Chase is not responsible for the provision of, or failure to provide, the stated benefits. \nUse XXXX Points With Pay Yourself Back XXXX Points XXXX be redeemed for a statement credit using Pay Yourself Back toward eligible purchases made with your XXXX card within 90 days from the purchase date. Categories, including promotional categories, eligible merchants, and purchase transaction eligibility XXXX change from time to time. Redemption values will be shown on the transaction page prior to redemption. Redemption values XXXX be changed at any time. We may apply a maximum amount of points you can use with XXXX points redemption with Pay Yourself Back from time to time. Statement credits will post to the card account within XXXX business days of a request to redeem and will appear on the monthly Chase credit card billing statement within XXXX to XXXX weeks. Statement credits will reduce your balance, but you are still required to make at least your minimum monthly payment. Chase reserves the right to determine which purchases qualify for a statement credit. Only XXXX XXXX earned under the XXXX Program, the Chase XXXX XXXX, and Chase Ultimate Rewards can be used for Chase Pay Yourself Back. Points converted from other programs are not eligible. For information about Chase rewards categories, see chase.com/RewardsCategoryFAQs Opens in a new window. If XXXX determines, in its sole discretion based on its data, that you have redeemed ineligible XXXX XXXX, Aeroplan reserves the right to reverse your point redemption or freeze your XXXX XXXX account. You will be responsible for any balance on your credit card account resulting from a reversal. \nOver XXXX Destinations Number of destinations based on the published route network Opens Overlay of XXXX XXXX and its airline partners. \nXXXX XXXX : For flight rewards comprising travel with a partner airline, a partner booking fee will apply. Aeroplan points required for partner airline flight rewards are based on the actual distance flown between origin and destination. Taxes and third-party charges XXXX apply. For full details please visit XXXX XXXX XXXX Terms and Conditions Opens Overlay. \nPreferred Pricing : You, as the primary cardmember will often require fewer XXXX points to redeem for flight rewards through the XXXX program than XXXX Members who do not hold an XXXX co-branded Credit Card. XXXX pricing for flight rewards applies only to flight rewards with XXXX XXXX, not on other airlines. Chase is not responsible for the provision of, or failure to provide the stated benefits. Visit aircanada.com/aeroplan Opens Overlay for full details. Feature may be changed, withdrawn or extended at any time and can not be combined with any other offer.\n\nXXXX XXXX or XXXX  XXXX  or XXXX  Application Fee Statement Credit You will receive XXXX statement credit every XXXX years ( up to {$120.00} ) after the first program ( either XXXX XXXX or XXXX XXXX or XXXX  ) application fee is charged to your Chase XXXX Card by you or an authorized user. This benefit applies only to the XXXX XXXX, XXXX XXXX  or XXXX  programs, other XXXX XXXX XXXX are not eligible. Only purchases made directly with the U.S. Department of Homeland Security, eligible partner listed on ttp.cbp.dhs.gov/, or authorized enrollment providers featured on tsa.gov/precheck website are eligible for reimbursement. Purchases made through any third parties, such as travel agencies or application assistance services, are not eligible for reimbursement. The statement credit will appear on your credit card billing statement within XXXX billing cycles. You are responsible for payment of all charges until the statement credit posts to the account. Chase has no control or liability regarding these programs including, but not limited to, applications, approval process or enrollment, or fees charged by XXXX or XXXX or XXXX. For more information about the XXXX XXXX, XXXX XXXX and XXXX programs, including application details and full terms and conditions, go to ttp.cbp.dhs.gov/. Websites and other information provided by government agencies are not within Chase 's control and may not be available in XXXX. To receive statement credits, your account must be open and not in default at the time of fulfillment. \nXXXX XXXX is a registered trademark and is used with the permission of the U.S. Department of Homeland Security.\n\nConcierge Service : Cardmembers are responsible for the cost of any goods or services purchased through XXXX XXXX XXXX. \nXXXX XXXX 10 % Bonus on Chase XXXX Rewards Point Transfers If you, as the primary cardmember, also have an eligible Chase credit card with Ultimate Rewards, you will be eligible to receive a 10 % bonus after you transfer XXXX or more Ultimate Rewards points in a single transaction to XXXX. Maximum of XXXX bonus points per calendar year. Bonus points will be awarded by XXXX and will post in your XXXX account within 7 days after your transfer is complete. XXXX Rewards transfers into an authorized users XXXX account or any XXXX account other than the primary cardmembers, will not be eligible for the 10 % bonus. Your Chase XXXX XXXX account must be linked to your XXXX number and must be active and not in default at the time the bonus points are credited to receive the bonus points. Chase is not responsible for the provision of, or failure to provide, the stated benefits. \nXXXX XXXX : XXXX XXXX XXXX does not apply to use of an account by an authorized user without the approval of the primary cardmember. If you think someone used your account without permission, tell us immediately by calling the XXXX Services number on your card or billing statement. \nAccount Alerts : Delivery of alerts may be delayed for various reasons including technology failures and capacity limitations. There is no charge from Chase, but message and data rates may apply.\n\nScore Improvement : This score improvement resource does not guarantee you will reach your credit score goal even if you complete the recommended actions, as there are other factors that may impact your XXXX. This resource should be used for educational purposes only. There are various types of credit scores that lenders can access to make a lending decision. The credit score you receive is based on the XXXX XXXX model and may not be the credit score model used by your lender or by Chase. You should carefully consider your needs and objectives before making any decisions, and consult the appropriate professional ( s ).\n\nCardmembers Eligible for Chase Pay Over Time : Eligible cardmembers are those with access to Chase Pay Over Time who use a participating Chase credit card for eligible purchases. Access to Chase Pay Over Time is not guaranteed, is based on a variety of factors such as creditworthiness, credit limit and account behavior, and may change from time to time. Participating Credit Cards for Chase Pay Over Time After Purchase : Participating Chase credit cards include most consumer credit cards and select small business credit cards. For a complete list of participating Chase credit cards, see Which Chase credit cards are eligible to use Chase Pay Over Time after a purchase is made at chase.com/personal/credit-cards/chasepayovertime/faqs/after-purchase Opens in a new window. Participating Credit Cards for Chase Pay Over Time at checkout on XXXX : Participating Chase credit cards include all credit cards except XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX cards, and Chase XXXX XXXX cards. \nPurchases Eligible for Chase Pay Over Time Set Up After Purchase Purchases of at least {$100.00} are eligible, excluding certain transactions such as ( a ) cash-like transactions, ( b ) any fees owed to us, including Annual Membership Fees, and ( c ) purchases made under a separate promotion or special finance program. Eligible purchases will be identified within your transaction history on chase.com Opens in a new window or the Chase XXXX XXXX. \nXXXX, the silver circles design and XXXX XXXX XXXX are registered trademarks of XXXX XXXX XXXX. \nXXXX XXXX XXXX The XXXX number of the person accessing the benefit must be included in the qualifying reservation, and the name on the airline reservation must be identical to the name on the XXXX account of the traveler. Please allow up to XXXX hours after the Chase XXXX XXXX is approved for these benefits to be activated. Your Aeroplan account must be in good standing at time of flight for airline benefits to apply. Airline benefits will no longer be available upon Aeroplan account closure, regardless of reason for closure, or if the credit card product is changed. XXXX membership and benefits are subject to the XXXX Program Terms & Conditions ( aircanada.com/aeroplan-termsandconditions Opens Overlay ) and any applicable XXXX XXXX terms and conditions relating to a benefit, as determined by XXXX XXXX in its sole discretion and as XXXX be changed from time to time. Chase is not responsible for the provision of, or failure to provide, the stated benefits. XXXX XXXX is a registered trademark of XXXX XXXX used under license by XXXX XXXX XXXX is a registered trademark of XXXX XXXX XXXX used under license. \nChase XXXX credit cards are issued by JPMorgan Chase Bank , N.A . XXXX FDIC. Accounts subject to credit approval. Restrictions and limitations apply. Offers subject to change.","date_sent_to_company":"2025-01-30T00:10:04.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"14701","tags":null,"has_narrative":true,"complaint_id":"11841703","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-01-29T23:53:27.000Z","state":"NY","company_public_response":null,"sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["<em>Statement</em> <em>credits</em> will post to the <em>card</em> account within XXXX business days of a request to redeem and will appear on the monthly <em>Chase</em> <em>credit</em> <em>card</em> billing <em>statement</em> within XXXX to XXXX weeks. <em>Statement</em> <em>credits</em> will reduce <em>your</em> balance, but you are still required to make at least <em>your</em> minimum monthly payment. <em>Chase</em> reserves the right to determine which <em>purchases</em> qualify for a <em>statement</em> <em>credit</em>."],"product":["<em>Credit</em> <em>card</em>"],"company":["JPMORGAN <em>CHASE</em> & CO."],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[22.186394,"11841703"]},{"_index":"complaint-public-v1","_id":"4994830","_score":21.86173,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Chase approved a new Amazon credit card on a purchase through XXXX. They issued a {$4000.00} credit line, and emailed an approval. When I didn't receive the card I called and they transferred me numerous times over numerous days to different departments who stated that they couldn't identify my address. After those attempts I stopped into a branch who helped me get through to the correct department. It was the fraud department who then stated that the account was closed. I couldn't get an explanation. I escalated it to the executive office who then stated that they couldn't approve the card because my balances were too high! This is after they approved it. These are all lies as my credit utilization rate is low at 23 %, and my address is correct as shown on the statement they sent. Now they also opened and closed the account on my credit files, lowering my credit score. How can they legally be allowed to do this? This is consumer fraud. \n\nThanks for your help","date_sent_to_company":"2021-12-10T06:01:54.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"070XX","tags":null,"has_narrative":true,"complaint_id":"4994830","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-12-10T00:23:17.000Z","state":"NJ","company_public_response":null,"sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["I escalated it to the executive office who then stated that they couldn't approve the <em>card</em> because my balances were too high! This is after they approved it. These are all lies as my <em>credit</em> utilization rate is low at 23 %, and my address is correct as <em>shown</em> on the <em>statement</em> they sent. Now they also opened and closed the account on my <em>credit</em> files, lowering my <em>credit</em> score. How can they legally be allowed to do this? This is consumer fraud. \n\nThanks for <em>your</em> help"],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"company":["JPMORGAN <em>CHASE</em> & CO."],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[21.86173,"4994830"]},{"_index":"complaint-public-v1","_id":"10152241","_score":21.788797,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to share a negative experience with Chase, who runs the Explorer Card for United Airlines. \n\nOn XX/XX/XXXX, I was looking for flights for the holidays. I proceeded to choose the flights through United Airlines- for both my mom, myself, and my pet. The total was Upon reaching the checkout screen, I was presented with a banner that claimed to offer {$300.00} off the first statement purchase, which would bring my cost down significantly. In addition, I'd get many other benefits like XXXX bonus miles if I spend {$3000.00} within the first 3 months, free checked bags, etc. This sounded like a great opportunity so I clicked the offer and proceeded to apply and be approved for a card. After everything, I restarted my process and purchased all of the flights that night. However, my emails were only speaking of XXXX bonus miles after spending {$3000.00}, which didn't match the banner offer. \n\nOn XX/XX/XXXX, I reached out to Chase, who claimed the deal was not being offered and they would not be matching my request. Upon asking to speak with a supervisor, I was told to send proof via their Secure Message portal, which I did since the offer is still active. The website was not allowing messages to be typed, but I started the written process with screenshots since the supervisor on the phone had noted my concern. \n\nOn XX/XX/XXXX, Chase replied stating, \" If you saw the offer on a banner ad on your chase.com account, please send us a screenshot of the ad with your name on the offer. '' This is an unreasonable request because a public banner does not specify people 's names, so once again, I referenced my initial screenshots showing the United website offer. \n\nOn XX/XX/XXXX, Chase informed me that they would not be honoring the offer that continues to be publicly advertised to United customers. \n\nAs of today, XX/XX/XXXX, I have informed Chase that I would be reporting this misleading and unethical practice. This situation puts customers in a vulnerable place because I have signed and agreed to pay my statement, and I can't just close the card because it will negatively impact my credit score. I have also shared this grievance with United Airlines because I can't be the only customer who has gone through this unfair experience. I have attached the user journey recreating my experience on XX/XX/year> and what is still being shown today.","date_sent_to_company":"2024-09-17T16:37:10.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"02132","tags":null,"has_narrative":true,"complaint_id":"10152241","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-09-17T15:54:31.000Z","state":"MA","company_public_response":null,"sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["I am writing to share a negative experience with <em>Chase</em>, who runs the Explorer <em>Card</em> for United Airlines. \n\nOn XX/XX/XXXX, I was looking for flights for the holidays. I proceeded to choose the flights through United Airlines- for both my mom, myself, and my pet. The total was Upon reaching the checkout screen, I was presented with a banner that claimed to offer {$300.00} off the first <em>statement</em> <em>purchase</em>, which would bring my cost down significantly."],"product":["<em>Credit</em> <em>card</em>"],"company":["JPMORGAN <em>CHASE</em> & CO."],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[21.788797,"10152241"]},{"_index":"complaint-public-v1","_id":"4109508","_score":21.567081,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I recently received notice about increased rates on a credit card. \n\nCHASE Penalty APR and When It Applies Up to 29.99 %. This APR will vary with the market based on the Prime Rate.c We may apply the Penalty APR to your account if you : fail to make a Minimum Payment by the date and time that it is due ; or make a payment to us that is returned unpaid. \n\nHow Long Will the Penalty APR Apply? : If we apply the Penalty APR for either of these reasons, the Penalty APR could potentially remain in effect indefinitely. \nMy Chase PlanSM Fee ( fixed finance charge ) Monthly fee of 1.72 % of the amount of each eligible purchase transaction or amount selected to create a My Chase Plan. The My Chase Plan Fee will be determined at the time each My Chase Plan is created and will remain the same until the My Chase Plan is paid in full. \nLate Payment Fee Up to {$40.00} Return Payment Fee Up to {$40.00} c Penalty APR : We add up to 26.99 % to the Prime Rate to determine the Penalty APR. Maximum APR 29.99 %. Variable APRs are based on the highest U.S. prime rate published in the Money Rates section of The Wall Street Journal two business days ( not weekends or federal holidays ) before your statement closing date. The U.S. prime rate is currently 3.25 % as of XX/XX/2021. The daily periodic rate is 0.08217 %. \nAdditional Information About These Changes My Chase Plan Fee : The My Chase Plan Fee is calculated at the time each plan is created and is based on the amount of each purchase transaction or amount selected to create the plan, the number of billing periods you choose to pay the balance in full, and other factors. The monthly and aggregate dollar amount of your My Chase Plan Fee will be disclosed during the activation of each My Chase Plan. \n\nPenalty Fees ( Late Payment Fee and Return Payment Fee ) : A single violation of each type will not exceed {$29.00}. However, if another violation of the same type occurs within six monthly billing periods, we will charge up to the maximum fee in the table above. The Late Payment and Return Payment fees will not exceed the related minimum payment that was due. \n\n2. The description of Minimum Payment found under your Cardmember Agreement Rates and Fees Table is changed to read as follows : Minimum Payment : We will calculate the minimum payment as : Any past-due amounts ; PLUS Any special payment obligations in connection with Flexible Financing Offers which require repayment of the balance over a pre-selected number of billing periods ; PLUS The larger of : {$40.00} ( or total amount you owe if less than {$40.00} ) or The sum of : 1 % of the new balance ( excluding any Flexible Financing Offer balances which require special payment obligations to ensure repayment of the balance over a pre-selected number of billing periods ), PLUS any periodic interest charges and late fees we have billed you on the statement for which your minimum payment is calculated. \n\n3. Getting Started : Your Account \" What It Means to You '' for the Amendments section within the Getting Started : Your Account section of your Cardmember Agreement is amended to include a reference to Penalty APR, as follows : We may change the terms of this agreement including APRs and fees from time to time. We may also add new terms or delete terms. APRs or other terms may also change without amendment, for example when the Prime Rate changes or the Penalty APR becomes applicable. See the Variable APR and Penalty APR sections for details.\n\n\" Our Responsibility '' for the Amendments section within the Getting Started : Your Account section of your Cardmember Agreement is amended to include a reference to delivery of amendments, as follows : Our ability to make changes to this agreement is limited by applicable law. We may communicate amendments to this agreement to you via mail, email or other electronic means, or included in your monthly billing statements as permitted by law. \n\n4. Important Definitions The \" Cash-like Transactions '' section within the Important Definitions section of your Cardmember Agreement is replaced to clarify and expand the definition as follows : TERM WHAT IT MEANS Cash-like Transactions Cash-like transactions will be treated as cash advances. Cash-like transactions include, but are not limited to, the following transactions to the extent they are accepted : purchasing travelers checks, foreign currency, money orders, wire transfers, cryptocurrency, other similar digital or virtual currency and other similar transactions ; purchasing lottery tickets, casino gaming chips, race track wagers, and similar offline and online betting transactions ; person-to-person money transfers and account-funding transactions that transfer currency ; and making a payment using a third party service including bill payment transactions not made directly with the merchant or their service provider. \n5. Using Your Card The introduction to the Using Your Card section of your Cardmember Agreement is amended as follows : You can use your account in the following ways. Your account is to be used only for personal, family or household purposes. You can not use your account for illegal purposes, such as writing checks against uncollected funds. You agree that we may rely on information provided to us by merchants and the applicable payment network to categorize transactions as Purchases, Balance Transfers or Cash Advances. \n\nThe \" My Chase Plan '' section within the Using Your Card section of your Cardmember Agreement is updated as follows : TRANSACTION WHAT IT MEANS TO YOU OUR RESPONSIBILITY My Chase PlanSM If eligible, you may use the My Chase Plan feature through Chase.com or the Chase Mobile App to create, from recent eligible purchase transactions or eligible amounts, a My Chase Plan balance with set repayment terms, subject to the My Chase Plan Fee. From the available offers, you select how many billing periods it will take to pay the My Chase Plan balance in full by making regular payments each monthly billing period. For each billing period during which there is a balance in the My Chase Plan, you will be charged the My Chase Plan Fee, rather than interest under the Purchase APR. \n\nAn eligible purchase transaction for My Chase Plan is a purchase of at least a specified dollar amount but may not include certain purchase transactions, such as cash-like transactions and any fee owed to us, including Annual Membership Fees. An eligible amount for My Chase Plan is a portion of your account balance, as specified from time to time within the My Chase Plan experience. Cash advance, balance transfer and My Chase Loan transactions are not eligible for My Chase Plan.\n\nYour ability to create a My Chase Plan balance is based on a variety of factors, such as your creditworthiness, your credit limit, and your account behavior. You will not be able to create a My Chase Plan balance if you enroll in a debt management program or if your account is closed or in default. \n\nWhen you have a My Chase Plan balance on your account, we will not charge you interest on new purchases if you pay your entire Interest Saving Balance by the due date each month. At our discretion, we may make My Chase Plan available to you ; we may decline a My Chase Plan transaction for any reason.\n\n6. Paying Us Back The \" Interest-Free Period ( also called Grace Period ) on Purchases '' section within the Paying Us Back section of your Cardmember Agreement is amended to clarify the definition as follows : IMPORTANT INFORMATION WHAT IT MEANS TO YOU OUR RESPONSIBILITY Interest-Free Period ( also called Grace Period ) on Purchases When your account is in an interest-free period, interest is not charged on new purchases. \nYour account is in an interest-free period when you have paid the New Balance or Interest Saving Balance shown on your most recent billing statement by the due date and time.\n\nIf you do not pay the New Balance or Interest Saving Balance shown on your most recent billing statement by the due date and time, you will lose your interest-free period and we will charge interest on your purchases. \nYou can regain the benefit of the interest-free period by paying your New Balance or Interest Saving Balance by the due date and time. \nAfter you enter an interest-free period again, interest charges on purchases may still appear on your next billing statement. This reflects interest charged from the beginning of that billing cycle through the date that your payment for the prior billing statement was received. \nBalance Transfers, Checks and Cash Advances do not have an interest-free period and if these balances are not paid in full by paying your New Balance or Interest Saving Balance by the due date and time, you will lose your interest-free period on new purchases. \n\nWhen your account is in an interest-free period, we will not charge you interest on new purchases. \nWhen your account is not in an interest-free period, we will charge you interest on your purchases from the date the purchases appear on your account until your New Balance or Interest Saving Balance is paid in full. \nFor more details about how we calculate your interest charges, see the Interest Charges section of this agreement.\n\n7. How to Avoid ... \n\nThe \" How to Avoid '' section of your Cardmember Agreement is amended to include a new section for Penalty APR, as follows : \" HOW TO AVOID ... '' WHAT TO DO WHAT IT MEANS Penalty APR Do Not : Fail to make a Minimum Payment by the date and time that it is due ; or Make a payment to us that is returned unpaid. \nWe can apply the Penalty APR, which is higher than the APR you would otherwise pay, for either of these reasons.\n\nPenalty APR on New Transactions : If you fail to make a Minimum Payment by the date and time that it is due, but you make the payment within 60 days of that due date, we may apply the Penalty APR. We also may apply the Penalty APR if you make a payment to us that is returned unpaid. In either instance, the Penalty APR will apply to new transactions. After we apply the Penalty APR, we will review your account from time to time to see if a reduction in the APR is appropriate.\n\nPenalty APR on outstanding balances and new transactions : If we do not receive the Minimum Payment within 60 days of the date and time that it is due, then we also may apply the Penalty APR. If we apply it in this instance, the Penalty APR will apply to all existing balances on your account and new transactions. If you make six consecutive minimum payments when due beginning with your first payment due after we apply the Penalty APR, then the Penalty APR will no longer apply. If you do not make six consecutive minimum payments when due beginning with your first payment due after we apply the Penalty APR, then the Penalty APR could remain in effect indefinitely. After we apply the Penalty APR, we will review your account from time to time to see if a reduction in the APR is appropriate.\n\nAmendment to your Cardmember Agreement : The changes described in this notice amend your Cardmember Agreement and replace the corresponding terms that currently apply. Any terms of your account not described in this notice continue to apply.\n\nABOUT THIS MESSAGE This service message gives you updates and information about your Chase relationship.\n\nThis email was sent from an unmonitored mailbox. Go to chase.com/CustomerService for options on how to contact us.\n\nYour privacy is important to us. See our online Security Center to learn how to protect your information.\n\nChase Privacy Operations XXXX XXXX XXXX, XXXX XXXX, TX XXXX.\n\nXX/XX/XXXXJPMorgan Chase & Co .\n\nXXXX","date_sent_to_company":"2021-02-01T23:22:46.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"91401","tags":"Servicemember","has_narrative":true,"complaint_id":"4109508","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-02-01T23:10:27.000Z","state":"CA","company_public_response":null,"sub_issue":"Unexpected increase in interest rate"},"highlight":{"complaint_what_happened":["<em>Your</em> account is in an interest-free period when you have paid the New Balance or Interest Saving Balance <em>shown</em> on <em>your</em> most recent billing <em>statement</em> by the due date and time.\n\nIf you do not pay the New Balance or Interest Saving Balance <em>shown</em> on <em>your</em> most recent billing <em>statement</em> by the due date and time, you will lose <em>your</em> interest-free period and we will charge interest on <em>your</em> <em>purchases</em>."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"company":["JPMORGAN <em>CHASE</em> & CO."],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[21.567081,"4109508"]},{"_index":"complaint-public-v1","_id":"1754006","_score":21.338917,"_source":{"product":"Credit card","complaint_what_happened":"Banks are required to have reasonable procedures in place to make sure that periodic statements are mailed or delivered at least 21 days before any grace period ends. Further, for credit card accounts only, banks are similarly required to have reasonable procedure in place to make sure that periodic statements are mailed or delivered at least 21 days before the payment due date shown on the statement. \n\nA credit card issuer may not treat a required minimum payment as late for any purpose if the minimum payment is received by the card issuer within 21 days after mailing or delivering the credit card statement disclosing the due date for that payment. This means that, if your minimum payment is received by the card issuer within 21 days after the statement is mailed or delivered, the card issuer can not increase the APR as a penalty, report you as delinquent to a credit reporting agency, assess a late fee, terminate benefits ( such as rewards on purchases ), or initiate collection activities. \n\nI currently have a billing dispute regarding my credit card. While the dispute was under investigation, the bank reported my account negatively to the credit-reporting agencies. Can it do this? \nNo. Generally, if you have filed a proper billing error dispute, the bank shall not make ( or threaten to make ) an adverse report to any person about your credit standing. \n\nThe bank also should not report that an amount or account is delinquent because you failed to pay the disputed amount -- or related finance or other charges -- while the investigation proceeds. \n\nChase put a 30 day late on my credit reports. I have tried to get them to remove this and they refuse. This was not my fault because I never received any notification by Chase. I finally setup electronic statements and then received them. I have done everything I can to resolve this with them with no luck. I just want the 30 day late removed from my credit reports. If I was responsible and it was my fault I would take responsibility but this was XXXX fault. Now because of this mark on my credit this has lowered my credit score and I was not the responsible party that caused this. As I stated before by past record never showed any late payments on any of my accounts. In fact in my entire life I have never had a late payment on any of my revolving credit card accounts with any company, that 's a fact. I am now XXXX years old and why would I do that now? Chase has been a great company and service until now and they refuse to work with me on this. 15 years with Chase alone and never XXXX late payment so why would I have XXXX now unless this was a unique situation and not my fault. Individuals should not be blamed for mistakes that Chase makes. Have them check all my accounts through them and not one has ever had a late payment. Why would I have XXXX late payment when my credit through them has been perfect. Why would they credit the late fee if they were wrong? Why is Chase so willing to ruin peoples credit with no consideration that I have been a customer of theirs for 15 years and never XXXX late payment? This pertains to account number ending in XXXX. Thank you","date_sent_to_company":"2016-01-22T15:33:41.000Z","issue":"Delinquent account","sub_product":null,"zip_code":"55987","tags":null,"has_narrative":true,"complaint_id":"1754006","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2016-01-22T15:33:41.000Z","state":"MN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["This means that, if <em>your</em> minimum payment is received by the <em>card</em> issuer within 21 days after the <em>statement</em> is mailed or delivered, the <em>card</em> issuer can not increase the APR as a penalty, report you as delinquent to a <em>credit</em> reporting agency, assess a late fee, terminate benefits ( such as rewards on <em>purchases</em> ), or initiate collection activities. \n\nI currently have a billing dispute regarding my <em>credit</em> <em>card</em>."],"product":["<em>Credit</em> <em>card</em>"],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[21.338917,"1754006"]},{"_index":"complaint-public-v1","_id":"1754115","_score":21.31727,"_source":{"product":"Credit card","complaint_what_happened":"In the courts of law, I would like to ask Chase if the receipt of a physical financial statement or electronic statement can be proven beyond a doubt that a consumer has received notification? Postal mail can fail and in this case I notified Chase at the time that I was relocating and they have this on record as they have brought this to my attention many times. Electronic mail can also fail by being subjected to spam or never being received for some unforseen reason. As I have stated over the months I never received notification by Chase for any credit card statement with regard to this account ending in XXXX. In fact I still do not receive statements for some of my other accounts which I will now also submit conflict about. \nBanks are required to have reasonable procedures in place to make sure that periodic statements are mailed or delivered at least 21 days before any grace period ends. Further, for credit card accounts only, banks are similarly required to have reasonable procedure in place to make sure that periodic statements are mailed or delivered at least 21 days before the payment due date shown on the statement. \n\nA credit card issuer may not treat a required minimum payment as late for any purpose if the minimum payment is received by the card issuer within 21 days after mailing or delivering the credit card statement disclosing the due date for that payment. This means that, if your minimum payment is received by the card issuer within 21 days after the statement is mailed or delivered, the card issuer can not increase the APR as a penalty, report you as delinquent to a credit reporting agency, assess a late fee, terminate benefits ( such as rewards on purchases ), or initiate collection activities. \n\nI currently have a billing dispute regarding my credit card. While the dispute was under investigation, the bank reported my account negatively to the credit-reporting agencies. Can it do this? \nNo. Generally, if you have filed a proper billing error dispute, the bank shall not make ( or threaten to make ) an adverse report to any person about your credit standing. \n\nThe bank also should not report that an amount or account is delinquent because you failed to pay the disputed amount -- or related finance or other charges -- while the investigation proceeds. \n\nChase put a 30 day late on my credit reports. I have tried to get them to remove this and they refuse. This was not my fault because I never received any notification by Chase. I finally setup electronic statements and then received them. I have done everything I can to resolve this with them with no luck. I just want the 30 day late removed from my credit reports. If I was responsible and it was my fault I would take responsibility but this was Chases fault. Now because of this mark on my credit this has lowered my credit score and I was not the responsible party that caused this. As I stated before by past record never showed any late payments on any of my accounts. In fact in my entire life I have never had a late payment on any of my revolving credit card accounts with any company, that 's a fact. I am now XXXX years old and why would I do that now? Chase has been a great company and service until now and they refuse to work with me on this. 15 years with Chase alone and never XXXX late payment so why would I have XXXX now unless this was a unique situation and not my fault. Individuals should not be blamed for mistakes that Chase makes. Have them check all my accounts through them and not one has ever had a late payment. Why would I have XXXX late payment when my credit through them has been perfect. Why would they credit the late fee if they were wrong? Why is Chase so willing to ruin peoples credit with no consideration that I have been a customer of theirs for 15 years and never XXXX late payment? This pertains to account number ending in XXXX.","date_sent_to_company":"2016-01-22T17:07:24.000Z","issue":"Delinquent account","sub_product":null,"zip_code":"55987","tags":null,"has_narrative":true,"complaint_id":"1754115","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2016-01-22T17:07:23.000Z","state":"MN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["This means that, if <em>your</em> minimum payment is received by the <em>card</em> issuer within 21 days after the <em>statement</em> is mailed or delivered, the <em>card</em> issuer can not increase the APR as a penalty, report you as delinquent to a <em>credit</em> reporting agency, assess a late fee, terminate benefits ( such as rewards on <em>purchases</em> ), or initiate collection activities. \n\nI currently have a billing dispute regarding my <em>credit</em> <em>card</em>."],"product":["<em>Credit</em> <em>card</em>"],"company":["JPMORGAN <em>CHASE</em> & CO."]},"sort":[21.31727,"1754115"]},{"_index":"complaint-public-v1","_id":"4102366","_score":21.131432,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"This was sent to me : We're making the following changes to your Cardmember Agreement as described below. We're changing fees, the minimum payment and Penalty Annual Percentage Rate ( APR ) on your account to standardize terms for cardmembers who have the same type of account. We are also updating the description of the My Chase PlanSM Fee, and making changes to these sections of the Cardmember Agreement : Amendments, Cash-like Transactions, My Chase PlanSM, and Interest-Free Period. All changes take effect XX/XX/2021. \n\nRejecting changes : You have the right to reject the changes in the Revised Terms table ( excluding the new My Chase Plan Fee ), but you must contact us by XX/XX/2021 if you want to do this. Call us at XXXX or write to us at Cardmember Services, XXXX XXXX XXXX, XXXX, DE, XXXX. We accept operator relay calls. If you reject these changes, we will close your account and you will not be able to use it for new transactions. You will still be responsible for making monthly payments until your balance is paid in full. \n\nDetails on the Changes to Your Account Effective XX/XX/2021 : 1. Your Cardmember  Agreement Rates and Fees Table is amended as follows : Revised Terms as of XX/XX/2021 Penalty APR and When It Applies Up to 29.99 %. This APR will vary with the market based on the Prime Rate.c We may apply the Penalty APR to your account if you : fail to make a Minimum Payment by the date and time that it is due ; or make a payment to us that is returned unpaid. \n\nHow Long Will the Penalty APR Apply? : If we apply the Penalty APR for either of these reasons, the Penalty APR could potentially remain in effect indefinitely. \nMy Chase PlanSM Fee ( fixed finance charge ) Monthly fee of 1.72 % of the amount of each eligible purchase transaction or amount selected to create a My Chase Plan. The My Chase Plan Fee will be determined at the time each My Chase Plan is created and will remain the same until the My Chase Plan is paid in full. \nLate Payment Fee Up to {$40.00} Return Payment Fee Up to {$40.00} c Penalty APR : We add up to 26.99 % to the Prime Rate to determine the Penalty APR. Maximum APR 29.99 %. Variable APRs are based on the highest U.S. prime rate published in the Money Rates section of The XXXX XXXX XXXX two business days ( not weekends or federal holidays ) before your statement closing date. The U.S. prime rate is currently 3.25 % as of XX/XX/2021. The daily periodic rate is 0.08217 %. \nAdditional Information About These Changes My Chase Plan Fee : The My Chase Plan Fee is calculated at the time each plan is created and is based on the amount of each purchase transaction or amount selected to create the plan, the number of billing periods you choose to pay the balance in full, and other factors. The monthly and aggregate dollar amount of your My Chase Plan Fee will be disclosed during the activation of each My Chase Plan. \n\nPenalty Fees ( Late Payment Fee and Return Payment Fee ) : A single violation of each type will not exceed {$29.00}. However, if another violation of the same type occurs within six monthly billing periods, we will charge up to the maximum fee in the table above. The Late Payment and Return Payment fees will not exceed the related minimum payment that was due.\n\n2. The description of Minimum Payment found under your Cardmember  Agreement Rates and Fees Table is changed to read as follows : Minimum Payment : We will calculate the minimum payment as : Any past-due amounts ; PLUS Any special payment obligations in connection with Flexible Financing Offers which require repayment of the balance over a pre-selected number of billing periods ; PLUS The larger of : {$40.00} ( or total amount you owe if less than {$40.00} ) or The sum of : 1 % of the new balance ( excluding any Flexible Financing Offer balances which require special payment obligations to ensure repayment of the balance over a pre-selected number of billing periods ), PLUS any periodic interest charges and late fees we have billed you on the statement for which your minimum payment is calculated. \n3. Getting Started : Your Account \" What It Means to You '' for the Amendments section within the Getting Started : Your Account section of your Cardmember  Agreement is amended to include a reference to Penalty APR, as follows : We may change the terms of this agreement including APRs and fees from time to time. We may also add new terms or delete terms. APRs or other terms may also change without amendment, for example when the Prime Rate changes or the Penalty APR becomes applicable. See the Variable APR and Penalty APR sections for details. \n\n\" Our Responsibility '' for the Amendments section within the Getting Started : Your Account section of your Cardmember  Agreement is amended to include a reference to delivery of amendments, as follows : Our ability to make changes to this agreement is limited by applicable law. We may communicate amendments to this agreement to you via mail, email or other electronic means, or included in your monthly billing statements as permitted by law. \n\n4. Important Definitions The \" Cash-like Transactions '' section within the Important Definitions section of your Cardmember  Agreement is replaced to clarify and expand the definition as follows : TERM WHAT IT MEANS Cash-like Transactions Cash-like transactions will be treated as cash advances. Cash-like transactions include, but are not limited to, the following transactions to the extent they are accepted : purchasing travelers checks, foreign currency, money orders, wire transfers, cryptocurrency, other similar digital or virtual currency and other similar transactions ; purchasing lottery tickets, casino gaming chips, race track wagers, and similar offline and online betting transactions ; person-to-person money transfers and account-funding transactions that transfer currency ; and making a payment using a third party service including bill payment transactions not made directly with the merchant or their service provider. \n5. Using Your Card The introduction to the Using Your Card section of your Cardmember Agreement is amended as follows : You can use your account in the following ways. Your account is to be used only for personal, family or household purposes. You can not use your account for illegal purposes, such as writing checks against uncollected funds. You agree that we may rely on information provided to us by merchants and the applicable payment network to categorize transactions as Purchases, Balance Transfers or Cash Advances. \n\nThe \" My Chase Plan '' section within the Using Your Card section of your Cardmember Agreement is updated as follows : TRANSACTION WHAT IT MEANS TO YOU OUR RESPONSIBILITY My Chase PlanSM If eligible, you may use the My Chase Plan feature through Chase.com or the Chase Mobile App to create, from recent eligible purchase transactions or eligible amounts, a My Chase Plan balance with set repayment terms, subject to the My Chase Plan Fee. From the available offers, you select how many billing periods it will take to pay the My Chase Plan balance in full by making regular payments each monthly billing period. For each billing period during which there is a balance in the My Chase Plan, you will be charged the My Chase Plan Fee, rather than interest under the Purchase APR. \n\nAn eligible purchase transaction for My Chase Plan is a purchase of at least a specified dollar amount but may not include certain purchase transactions, such as cash-like transactions and any fee owed to us, including Annual Membership Fees. An eligible amount for My Chase Plan is a portion of your account balance, as specified from time to time within the My Chase Plan experience. Cash advance, balance transfer and My Chase Loan transactions are not eligible for My Chase Plan.\n\nYour ability to create a My Chase Plan balance is based on a variety of factors, such as your creditworthiness, your credit limit, and your account behavior. You will not be able to create a My Chase Plan balance if you enroll in a debt management program or if your account is closed or in default. \n\nWhen you have a My Chase Plan balance on your account, we will not charge you interest on new purchases if you pay your entire Interest Saving Balance by the due date each month. At our discretion, we may make My Chase Plan available to you ; we may decline a My Chase Plan transaction for any reason.\n\n6. Paying Us Back The \" Interest-Free Period ( also called Grace Period ) on Purchases '' section within the Paying Us Back section of your Cardmember Agreement is amended to clarify the definition as follows : IMPORTANT INFORMATION WHAT IT MEANS TO YOU OUR RESPONSIBILITY Interest-Free Period ( also called Grace Period ) on Purchases When your account is in an interest-free period, interest is not charged on new purchases.\n\nYour account is in an interest-free period when you have paid the New Balance or Interest Saving Balance shown on your most recent billing statement by the due date and time.\n\nIf you do not pay the New Balance or Interest Saving Balance shown on your most recent billing statement by the due date and time, you will lose your interest-free period and we will charge interest on your purchases. \nYou can regain the benefit of the interest-free period by paying your New Balance or Interest Saving Balance by the due date and time.\n\nAfter you enter an interest-free period again, interest charges on purchases may still appear on your next billing statement. This reflects interest charged from the beginning of that billing cycle through the date that your payment for the prior billing statement was received. \nBalance Transfers, Checks and Cash Advances do not have an interest-free period and if these balances are not paid in full by paying your New Balance or Interest Saving Balance by the due date and time, you will lose your interest-free period on new purchases. \nWhen your account is in an interest-free period, we will not charge you interest on new purchases. \nWhen your account is not in an interest-free period, we will charge you interest on your purchases from the date the purchases appear on your account until your New Balance or Interest Saving Balance is paid in full.\n\nFor more details about how we calculate your interest charges, see the Interest Charges section of this agreement.\n\n7. How to Avoid ...\n\nThe \" How to Avoid '' section of your Cardmember Agreement is amended to include a new section for Penalty APR, as follows : \" HOW TO AVOID ... '' WHAT TO DO WHAT IT MEANS Penalty APR Do Not : Fail to make a Minimum Payment by the date and time that it is due ; or Make a payment to us that is returned unpaid. \nWe can apply the Penalty APR, which is higher than the APR you would otherwise pay, for either of these reasons.\n\nPenalty APR on New Transactions : If you fail to make a Minimum Payment by the date and time that it is due, but you make the payment within 60 days of that due date, we may apply the Penalty APR. We also may apply the Penalty APR if you make a payment to us that is returned unpaid. In either instance, the Penalty APR will apply to new transactions. After we apply the Penalty APR, we will review your account from time to time to see if a reduction in the APR is appropriate.\n\nPenalty APR on outstanding balances and new transactions : If we do not receive the Minimum Payment within 60 days of the date and time that it is due, then we also may apply the Penalty APR. If we apply it in this instance, the Penalty APR will apply to all existing balances on your account and new transactions. If you make six consecutive minimum payments when due beginning with your first payment due after we apply the Penalty APR, then the Penalty APR will no longer apply. If you do not make six consecutive minimum payments when due beginning with your first payment due after we apply the Penalty APR, then the Penalty APR could remain in effect indefinitely. After we apply the Penalty APR, we will review your account from time to time to see if a reduction in the APR is appropriate.\n\nAmendment to your Cardmember Agreement : The changes described in this notice amend your Cardmember Agreement and replace the corresponding terms that currently apply. Any terms of your account not described in this notice continue to apply. \n\nABOUT THIS MESSAGE This service message gives you updates and information about your Chase relationship. \n\nThis email was sent from an unmonitored mailbox. Go to chase.com/CustomerService for options on how to contact us. \n\nYour privacy is important to us. See our online Security Center to learn how to protect your information. \n\nChase Privacy Operations XXXX. XXXX XXXX, XXXX XXXX, TX XXXX. \n\n2021 JPMorgan Chase & Co . \nXXXX Reply Reply All Forward Why are credit card companies permitted to charge a ridiculous amount of interest and now want to charge a monthly fee. Total blackmail agree or we close your account.","date_sent_to_company":"2021-01-29T09:34:27.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"439XX","tags":"Servicemember","has_narrative":true,"complaint_id":"4102366","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-01-29T04:07:56.000Z","state":"OH","company_public_response":null,"sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["<em>Your</em> account is in an interest-free period when you have paid the New Balance or Interest Saving Balance <em>shown</em> on <em>your</em> most recent billing <em>statement</em> by the due date and time.\n\nIf you do not pay the New Balance or Interest Saving Balance <em>shown</em> on <em>your</em> most recent billing <em>statement</em> by the due date and time, you will lose <em>your</em> interest-free period and we will charge interest on <em>your</em> <em>purchases</em>."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"company":["JPMORGAN <em>CHASE</em> & CO."],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[21.131432,"4102366"]},{"_index":"complaint-public-v1","_id":"4526368","_score":20.801222,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"CHASE bank failed to follow the CARDMEMBER SERVICES AGREEMENT when applying credits and payments to an account that has two interest rates. \n\nFurthermore they refuse to amend credit reporting on the account to elucidate that there are two types of account. One type is a protected or safeguarded balance that is subject to the original fixed rate which can not be charged to or balance increased. Then there is the new variable rate account that actually has a revolving balance. \n\nEssentially there is no difference between a fixed rate loan and the fixed rate safeguarded and protected balance. That balance is on a fixed repayment plan and the credit reporting must reflect that. \n\nExcerpts from the CARDMEMBER SERVICES AGREEMENT : \" We figure the daily balance for each transaction type as follows : We take the beginning balance for each day and add - anyinterestchargefromthepriorday ( knownascompoundingofinterest ) and - anynewtransactionsorotherdebits ( includingAnnualMembershipFees, transaction fees, Penalty Fees, any other fees and unpaid interest charges ). \nWe subtract payments or credits, and treat any net credit balance as a XXXX  balance. \nThe result is the daily balance for each type of transaction. '' \" We figure the interest charges on your account as follows : To get the daily interest rate for each type of transaction we divide the APR by 365. We may combine different transaction types that have the same daily interest rates. \nWe multiply the daily interest rate by the daily balance for each transaction type for each day in the billing cycle. \nWe add together the interest charges for each day in the billing cycle for each transaction type. \nIf any interest charge is due, we will charge you at least the minimum interest charge shown on the Rates and Fees Table. '' \" When you make a payment, generally, we first apply your minimum payment to the monthly obligation for any Flexible Financing Offer balances with special payment obligations which require repayment of the balance over a pre-selected number of billing periods, and then to the balance on your monthly statement with the lowest APR. \nAny payment above your minimum payment would generally then be applied to the balance on your monthly statement with the highest APR first. \nIf you do not pay your New Balance or Interest Saving Balance, as shown on your statement, in full each month, you may not be able to avoid interest charges on new purchases. '' In the definitions there is no delineation or difference in how a return by a vendor is processed as a payment or credit vs a payment made by the member. As such both types of credits are equivalent and should be applied to the balances of each type of interest rate accordingly as given above. \n\nThis was not done by CHASE. I do not know what they did or how their algorithm is not calculating the interest rate properly. The result is that why we made a large temporary purchase on the card and then had that purchase refunded by the vendor the new higher variable interest rate balance was not credited for the payment made. As such CHASE has been over charging interest since they began the Variable rate in XX/XX/19. \n\nThis is entirely likely not just a me problem in that whatever computer program they use is used on every cardmember who previously had a fixed rate. \n\nAs Such they have over charged me interest and as a result the balance difference between what they show and what I calculated is {$6600.00}. \n\nI have attached statements from a few months before the change in terms. \nI have attached a pdf spreadsheet credit and debit ledger showing the daily balances for each day of transaction on the account. \nI have also attached the XXXX spreadsheet to review the calculations I have attached correspondence from CHASE I have attached the cardmember services agreement I have attached a screenshot of todays balance.","date_sent_to_company":"2021-07-08T22:25:37.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"571XX","tags":"Servicemember","has_narrative":true,"complaint_id":"4526368","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-07-08T21:55:09.000Z","state":"SD","company_public_response":null,"sub_issue":"Charged too much interest"},"highlight":{"complaint_what_happened":["Any payment above <em>your</em> minimum payment would generally then be applied to the balance on <em>your</em> monthly <em>statement</em> with the highest APR first. \nIf you do not pay <em>your</em> New Balance or Interest Saving Balance, as <em>shown</em> on <em>your</em> <em>statement</em>, in full each month, you may not be able to avoid interest charges on new <em>purchases</em>. '' In the definitions there is no delineation or difference in how a return by a vendor is processed as a payment or <em>credit</em> vs a payment made by the member."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"company":["JPMORGAN <em>CHASE</em> & CO."],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[20.801222,"4526368"]},{"_index":"complaint-public-v1","_id":"17299185","_score":20.485477,"_source":{"product":"Credit card","complaint_what_happened":"=========================================== PRODUCT TYPE : Credit card or prepaid card ISSUE : Problem with a purchase shown on your statement SUB-ISSUE : Credit card company isn't resolving a dispute about a purchase on your statement =========================================== WHAT HAPPENED : On XX/XX/XXXX, I initiated a dispute with Chase Bank for a fraudulent transaction on XXXX. The merchant 's support representative ( XXXX ) sent me multiple emails between July XXXX XXXX, instructing me to close my dispute with Chase in order for them to resolve the issue on their end. \n\nSpecifically, on XX/XX/XXXX at XXXX XXXX, XXXX stated : \" To avoid further consequences, we strongly encourage you to contact your bank without delay and request that the chargeback be withdrawn. Upon doing so, please obtain written confirmation or proof from your bank that the dispute has been canceled, and upload that documentation directly to this support ticket. '' Based on this direct instruction and believing it was necessary to receive a refund, I closed my dispute with Chase. \n\nAfter I closed the dispute : - XXXX and the seller immediately stopped responding to my messages - No refund was ever posted to my Chase account - I sent multiple follow-up emails ( XX/XX/XXXX, XXXX, XX/XX/XXXX ) with no response- The seller claimed on XX/XX/XXXX that I was \" provided the wristband as promised '' - which is completely false When I contacted Chase, they informed me the dispute was denied because \" funds were returned to the merchant. '' However, NO REFUND has ever been posted to MY account. Chase is treating a return of funds to the merchant/XXXX as a resolution, when I - the customer- never received any money back. \n\nI later attempted to reopen the dispute. Chase claims it was \" reopened and denied '' but provided no documentation showing any refund reaching my account. Chase representatives refuse to escalate further or perform a regulatory review, stating they \" can only take back money once. '' This is a clear case of merchant misrepresentation where : 1. The merchant deliberately instructed me to close my dispute 2. After I complied, they ghosted me completely 3. Chase closed the case without verifying I received a refund 4. Chase refuses reconsideration despite the dispute being closed under false pretenses I have complete email documentation showing XXXX 's instructions to close the dispute, their subsequent ghosting, and Chase 's refusal to properly review the case. \n\nWHAT I WANT THE COMPANY TO DO : 1. Conduct a full executive-level review of this case, recognizing that the dispute was closed due to merchant misrepresentation, not legitimate resolution 2. Provide complete documentation showing : - The exact date and amount of any alleged \" refund '' - Which account this refund was posted to - Proof that funds reached MY Chase account ( they have not ) 3. Reopen the dispute or issue a goodwill credit for my financial loss, as the original dispute closure was obtained through merchant fraud 4. Implement better training for representatives to recognize merchant misrepresentation tactics and not penalize customers who are misled into closing legitimate disputes This is not a standard \" chargeback denial '' - this is a case where I was deliberately deceived into closing my consumer protection claim, and Chase is refusing to correct their error in allowing this to happen. \n\nI am requesting Chase restore my loss and properly handle cases where merchants instruct customers to close disputes as a delay tactic. \n\n=========================================== COMPANY RESPONSE REQUESTED : Yes ===========================================","date_sent_to_company":"2025-11-17T20:01:32.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"46530","tags":null,"has_narrative":true,"complaint_id":"17299185","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-11-17T19:54:01.000Z","state":"IN","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["=========================================== PRODUCT TYPE : <em>Credit</em> <em>card</em> or prepaid <em>card</em> ISSUE : Problem with a <em>purchase</em> <em>shown</em> on <em>your</em> <em>statement</em> SUB-ISSUE : <em>Credit</em> <em>card</em> company isn't resolving a dispute about a <em>purchase</em> on <em>your</em> <em>statement</em> =========================================== WHAT HAPPENED : On XX/XX/XXXX, I initiated a dispute with <em>Chase</em> Bank for a fraudulent transaction on XXXX."],"product":["<em>Credit</em> <em>card</em>"],"issue":["Problem with a <em>purchase</em> <em>shown</em> on <em>your</em> <em>statement</em>"],"company":["JPMORGAN <em>CHASE</em> & CO."],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a dispute about a <em>purchase</em> on <em>your</em> <em>statement</em>"]},"sort":[20.485477,"17299185"]},{"_index":"complaint-public-v1","_id":"7219506","_score":19.96599,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I went to Chase to open a business account so that I could deposit a check for {$5000.00} from a grant I was awarded. Upon opening the checking account, the banker asked if I would like to set up a Credit Card Account for my business and told me about a promotional offer they were running. The offer being : if you charge {$6000.00} on the credit card within the first 3 months of the account opening, chase would give you {$900.00} cash back bonus. I figured it would be worth it seeing as I already needed to spend that {$5000.00} from the grant, but I requested a detailed explanation off terms because I am recovering from XXXX XXXX XXXX and didnt want to unknowingly get myself into a bad financial situation with a credit card. The banker set up the account, but it became clear down the road that the terms were not properly communicated to me. \n\nWhen, months later, I was trying to find the opening date for my credit card, to reference for the 3 month window/end of promotional period, I found an email I had received from Chase stating your application has been approved. This email was dated XX/XX/23, and was the only correspondence I ever received from chase regarding the approval of my line of credit. So, In turn I began making purchases on the card on XX/XX/23 and determined my deadline to spend the {$6000.00} to be XX/XX/23. \n\nOn XX/XX/23 I was a making a number of final purchases to push me over that $ XXXX threshold but one of the vendors I purchased from did not charge me for a few items that were back ordered, even though the full purchase amount was reflected on my receipt. At this point, I reached out to Chase to request and extension/exception on the promotional offer due to my having proof of spending the full $ XXXX in the three months even if my credit statement would not yet reflect that full amount. The customer service agent I spoke with assured me that most requests for such an extension are approved. \n\nThe following week however, I received a message from Chase via their in-app messaging center. The message stated that my request for an extension on the promotional period was denied because my credit account was opened on XXXX, therefor the deadline was XX/XX/23, not XX/XX/23 as I thought. \n\nI responded with a screenshot of the email I had received from chase on XXXX which said your application has been approved as proof that the promotional period should have been XXXX - XXXX but I never heard back from that chase employee. \n\nI then went into a branch and attempted to work it out in person, the banker there told me they didnt have the authority to do anything but would escalate the issue to her branch manager and get back to me. I have not been able to reach that banker since our meeting. \n\nI then called chase and attempted to escalate the complaint through their customer service line. I was told I would need to speak to several people and one by one Id be pushed up the ladder till eventually someone would be able to give me some answers/resolve the issue. The second employee I was transferred to however, told me she was the end of the line, that I could not speak to anyone else and ultimately hung up on me with zero progress made or questions answered. \n\nFinally, I went to the branch location where I had opened my business account and an incredibly nice banker by the name of XXXX XXXX spent over an hour working through the details of my complaint and compiling evidence in my favor. On top of the email from chase on XXXX stating my application has been approved, he also found an email they had sent me prior, which said they would need more time to process my application, and in looking at my first credit card statement, the statement period is shown to have started XXXX. XXXX told me he would escalate the complaint and be in touch once someone from chases complaints department was assigned to the case. \n\nThe following week, I was contacted by the employee who had been assigned to my escalated complaint. She told me no extension would be given, had no answers to my questions and gave me no recourse to get answers or have this issue resolved. In my last attempt to work it out with Chase, I emailed XXXX to tell him what I had been told and asked if he was able to take the complaint any further before I went to the CFPB with a complaint. He responded with remorse, saying it was disappointing, but there was nothing else he or his manager could do to help with my complaint. \n\nI feel as though Chase has purposefully mislead me, scammed me, and are now brushing me off. As a disabled/minority small business owner, this feels predatory and is a huge blow to my efforts of regaining financial stability post major health complications.","date_sent_to_company":"2023-07-08T00:09:55.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"97211","tags":null,"has_narrative":true,"complaint_id":"7219506","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-07-07T23:15:52.000Z","state":"OR","company_public_response":null,"sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["On top of the email from <em>chase</em> on XXXX stating my application has been approved, he also found an email they had sent me prior, which said they would need more time to process my application, and in looking at my first <em>credit</em> <em>card</em> <em>statement</em>, the <em>statement</em> period is <em>shown</em> to have started XXXX. XXXX told me he would escalate the complaint and be in touch once someone from <em>chases</em> complaints department was assigned to the case."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"company":["JPMORGAN <em>CHASE</em> & CO."],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Confusing or misleading advertising about the <em>credit</em> <em>card</em>"]},"sort":[19.96599,"7219506"]},{"_index":"complaint-public-v1","_id":"3395017","_score":19.603155,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"This letter is the letter sent to notify Chase Bank of the error in the interest rate charged on my account. \nSometime around mid-XXXX XXXX, I received an Opt Out notification from Chase stating the interest rate ( was 9.24 % ) would increase unless I requested to opt out of the new agreement. I contacted Chase, requested to opt out and keep the current 9.24 % rate. I was advised at that time if I opt out, the account would be closed. I agreed to close the account and retain the current interest rate of 9.24 %. The account was closed at the interest rate remained at 9.24 % as agreed. \nXX/XX/XXXX The XX/XX/XXXX payment of {$130.00} was returned in error. I contacted Chase and explained the error and Chase credited all associated fees and interest back to my account. \no Statement Closing Date XX/XX/XXXX Payment ( {$130.00} ), Returned Payment ( {$130.00} ), Late Fee ( {$39.00} ), Returned Check Fee ( {$39.00} ) o Statement Closing Date XX/XX/XXXX - Late Fee Reversal ( {$39.00} ), Returned Check Fee Reversal ( {$39.00} ), Interest Charge Reversal ( XXXX ), Interest Charge Reversal ( XXXX ) o No other transactions occurred on this account except automatic payments made and interest charges added. \nStatement closing XX/XX/XXXX - Interest increased to 14.24 %. I contacted Chase and the issue was escalated. \nStatement closing XX/XX/XXXX - Interest rate increased to 19.24 % Statement closing XX/XX/XXXX Interest rate increased to 19.49 % Statement closing XX/XX/XXXX Interest rate increased to 19.74 % Statement closing XX/XX/XXXX Interest rate increased to 19.99 % Statement closing XX/XX/XXXX Interest rate increased to 20.24 % Statement closing XX/XX/XXXX Interest rate increased to 20.49 % Statement closing XX/XX/XXXX Interest rate increased to 20.74 % Statement closing XX/XX/XXXX Interest rate increased to 20.99 % Statement closing XX/XX/XXXX Interest rate increased to 21.24 % Statement closing XX/XX/XXXX Interest rate increased to 21.49 % As you can see, the interest rate was increased 11 times since my opt out. My current interest rate should be 9.24 % not the current 21.49 %. \nThis letter is to request my account credited for {$2200.00} over charge in interest the past 4 years. A spreadsheet is attached detailing the month by month over charge. \n**************************************************** Chase Response XXXX : Hello XXXX, We received your message disputing the interest charges on the account ending in XXXX. \nXXXX, your account had a variable annual percentage rate ( APR ) based on the U.S. Prime Rate. Hence, the periodic increase in the APR. Please note that there was not an error with the APR on the account, and the account didn't qualify for a courtesy refund. \nWe appreciate your understanding in this matter. \nHere 's what you need to know about variable APRs : - The APR may increase or decrease each month if the\n\nU.S. Prime Rate changes. - If the APR increas\nes, you will pay a higher interest charge and may pay a higher minimum payment. \nHere 's how we calculate your variable APR : - We add a margin to the highest U.S. Prime Rate published in the Money Rates section of The XXXX XXXX XXXX two business days ( not weekends or federal holidays ) before the closing date shown on your billing statement. \n- We apply the new rate the first day of your billing cycle in which the Prime Rate changed. \n- The Prime Rate is simply a reference index and is not the lowest interest rate available. \n- If the XXXX XXXX XXXX stops publishing the Prime Rate we will select a similar reference rate. \nWe value your relationship with us, and we hope that the information we provided is helpful. \nYour Cardmember Agreement explains your full account terms. \nPlease contact us anytime with questions or concerns. We are here to help and are committed to providing you excellent service. \nThank you for choosing Chase. \n******************************************************* XXXX Response : Date : XXXX XXXX To : Chase Card Services Subject : Re : Fees/Interest Charges Message : Did you even read my letter? Yes, the rates are variable. However I received a letter from Chase to \" opt out '' which included closing the account and paying the remaining balance until paid at the 9.24 %. Also, I did not say there was an \" error with the APR ''. Please forward this to someone that is knowledgeable on the regulatory requirements of the Credit Card act including \" opt out ''. I am forwarding this letter to the BCFP ( formally CFPD ) also because clearly Chase system is not designed to accommodate the opt out changes. \n\n********************************************** Chase Response Date : XXXX XXXX From : Chase Card Services Subject : Re : Fees/Interest Charges Message : Hello XXXX, Thank you for contacting Chase with your concerns about the increase in the Annual Percentage Rate ( APR ) on your Chase Ink Cash Business account. I am sorry as your inquiry wasn't completely answered by our previous email. \nXXXX, your inquiry has been escalated. I understand that you rejected the change in terms and your account was closed on XX/XX/XXXX. With your business card, when you do not make your minimum payment by the due date, the default APR apply. The default APRs would apply to all outstanding balances and future transactions on your account. \nCertain situations, such as late payments, a past due status, an over-limit condition, a returned payment, or any other default reason contained in your Cardmember Agreement ( CMA ) may cause your account to move to a higher APR ( even after account closure due to rejection of change in terms ). If your APR changes, we'll notify you by mail, and the new rate will start 45 days after we send you a notification. So, if you miss any payments or if the account is past due, your APR can increase on a business card. This is where a business credit card is different when compared to a personal credit card. \nOur records show that because of late payments in the year XXXX, your purchase variable APR was increased from 9.24 % to 14.24 % and then to 19.24 %. Subsequent increase in the Prime Rate by the Federal Reserve has resulted in a further increase in your APR and it is currently at 21.49 % variable. So, please be assured that the interest which we have charged you over the years is correct and has been calculated according to the terms of the business cardmember agreement. \nI hope I was able to clarify this for you. If you would like to discuss this further, please call us at the customer service number mentioned below. Thank you for your business with us. \nThank you, XXXX Chase Email Servicing XXXX XXXX : XXXX","date_sent_to_company":"2019-10-03T21:26:07.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"28590","tags":null,"has_narrative":true,"complaint_id":"3395017","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-10-03T20:42:01.000Z","state":"NC","company_public_response":null,"sub_issue":"Unexpected increase in interest rate"},"highlight":{"complaint_what_happened":["So, if you miss any payments or if the account is past due, <em>your</em> APR can increase on a business <em>card</em>. This is where a business <em>credit</em> <em>card</em> is different when compared to a personal <em>credit</em> <em>card</em>. \nOur records show that because of late payments in the year XXXX, <em>your</em> <em>purchase</em> variable APR was increased from 9.24 % to 14.24 % and then to 19.24 %. Subsequent increase in the Prime Rate by the Federal Reserve has resulted in a further increase in <em>your</em> APR and it is currently at 21.49 % variable."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"company":["JPMORGAN <em>CHASE</em> & CO."],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[19.603155,"3395017"]},{"_index":"complaint-public-v1","_id":"3378416","_score":19.434277,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I received an email notification from Chase Fraud on XX/XX/2019 at XXXX asking if I used my card at XXXX XXXX for the amount of {$6400.00}. Simultaneously, I also received a text message at the same time asking the same thing. I did not respond until I received the same email/text notifications at XXXX. This time, I responded to the text message with \" NO '' and clicked \" NO '' on the email. I received an auto respond text message in response to my \" NO '' saying that my card can not be used until Chase speaks to me. \n\nAdditionally, there were other charges other than the {$6400.00} one for the amounts of {$10.00} and {$250.00} on the dates of XX/XX/2019 and XX/XX/2019 respectively. \n\nWhen I initially called Chase, they told me that they would look into this and that it appears that the large value purchase was made online. Subsequently, When I called to speak to Chase about these in another call, they said that they would refund the latter 2 charges but would not refund the amount of {$6400.00}. I told them that I had not purchased the items they listed in the order pertaining to that amount. I also had not received any items from this fraudulent purchase. I also mentioned that I had made a purchase for similar types of items for a different amount {$2700.00} on XX/XX/2019. \n\nI reviewed my credit card statements and noticed that the XXXX XXXX purchases that I've made in the past have a certain merchant ID associated with them ( XXXX XXXX XXXX  XXXX ) and that the fraudulent charges have a different merchant ID ( XXXX XXXX XXXX ). Upon doing a simple XXXX search, it came up that the fraudulent charges came from XXXX XXXX Illinois. For reference, my local XXXX XXXX that I frequent is located in XXXX XXXX, California. \n\nIn another subsequent call to Chase, they had asked me if I had any supporting documents to support my claim. I initially told them I didn't have any supporting documents ( I didn't know what to provide them since I've never dealt with anything like this before ) and they decided to decline the fraud. I've since called them again to provide them with my purchase history, via email, for XXXX that shows that I have not purchased anything in the month of XXXX for any of the three values shown above ( {$6400.00}, {$10.00}, or {$250.00} ) as well as my member ID which, from what Chase told me, was different than the one pertaining to the fraudulent order. \n\nAs my worries grew, I decided to give Chase another call. This time, I was conferenced in a call between Chase and a representative at XXXX. At this point XXXX went on to show that the items in the fraudulent order were delivered to an address unrecognizable to me and that a phone number was provided which I didn't recognize as well. The name on the order was the same as my name but there was an additional \" a '' tacked on to the end of my first name. The XXXX representative also stated that the order, because of the way the first numbers of the order # were structured, showed that the purchase was made in store. At this point, with the information revealed through the three way conference call, Chase said that they have all the information they need for this investigation. \n\nI will attach the following two items I've previously sent to Chase upon request : 1 )  My purchase history from XX/XX/XXXX to XX/XX/2019 2 ) A receipt from a purchase on that purchase history XX/XX/2019 that shows my member ID ( since the purchase history doesn't show it ). Since the receipt has personal information in the form of my name, I will not attach them at this time. \n\nI'm submitting this complaint because they have previously denied my claim twice and I want to make sure action is taken. I'm worried that the integrity of my credit will be damaged and I don't want to be responsible for a charge that I never placed. Thank you for your time to read this complaint and any assistance you can offer.","date_sent_to_company":"2019-09-18T18:34:54.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"92708","tags":null,"has_narrative":true,"complaint_id":"3378416","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-09-18T17:24:42.000Z","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'm worried that the integrity of my <em>credit</em> will be damaged and I don't want to be responsible for a charge that I never placed. Thank you for <em>your</em> time to read this complaint and any assistance you can offer."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["Problem with a <em>purchase</em> <em>shown</em> on <em>your</em> <em>statement</em>"],"company":["JPMORGAN <em>CHASE</em> & CO."],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a dispute about a <em>purchase</em> on <em>your</em> <em>statement</em>"]},"sort":[19.434277,"3378416"]},{"_index":"complaint-public-v1","_id":"9683435","_score":19.405472,"_source":{"product":"Credit card","complaint_what_happened":"First, let me explain why we opted for this loan. We used this consolidation loan to pay off a credit card, pay medical bills and to improve our cash flow while making larger payments towards medical bills in collection. \n\nAs is laid out in the back up documents, phone conversations, in this complaint and even by Chase, they are combining traits of a loan with traits of a credit card. The program lacks transparency and feels rights are being violated.\n\nISSUE XXXX: IT APPEARS WE ARE BEING CHARGED INTEREST 2X\nIt appears we are getting charged interest fees in addition to the monthly payment of XXXX. \nXXXX.\tCase in point, on the XXXX XXXX statement we paid XXXX but then were charged XXXX for interest fees.\nXXXX.\tMy Chase Loan details shows the monthly payment as XXXX and doesnt state interest fees would be an additional charge.\nXXXX.\tCalculator.net shows an XXXX loan, at 11.99% interest would have monthly payments of XXXX. This demonstrates that the monthly payments should have the interest fees included. \nXXXX.\tA Guide to My Chase Loan states the portion of each payment made up of interest charges will decrease as the loan is getting paid off. I understand that to mean that of our XXXX monthly payment the amount of the interest included in the payment will be higher at the beginning of the loan that at the end. \nI have explained this to nearly every representative I spoke with at Chase and have gotten inconsistent answers. I had this escalated several times. I spoke with Credit Card Services, and various supervisors including Escalation Department supervisors, and the local bank manager, who spoke with her XXXX connections. One rep said that although it was called a loan, it was a credit card charge so interest is charged separately.  At least one confirmed that was the correct thinking. Others just said that the interest charges were additional without explanation. While the last email from XXXX  assured me that it was not an extra charge. However, the final Escalation Department Supervisor I spoke with on XXXX said I had been misinformed and interest is charged in addition to the XXXX. \n\nISSUE XXXX: INTEREST SAVINGS BALANCE (ISB)\n\tCredits from vendors is counted towards the Interest Saving Balance and not the purchases connected to it. So, if that credit puts you over the ISB amount, its applied to the back of the loan without the customer getting a choice of applying it to purchases. \nIll explain. I paid the ISB. I received credits for XXXX and XXXX purchases on the XXXX statement totaling XXXX. This contributed to the ISB being overpaid by XXXX That amount was applied to the back of the loan although I had current purchases. I have no control over when the vendor applies credits.  The XXXX overpayment money was needed for current purchases. As I stated before, we pay frequently on the account. That credit was taken into consideration for our budget and when/what we paid on the account. With other credits and planned payments, we would be on target for keeping the account paid. In the case of the XXXX credit a return wasnt required so I had no control to delay the credit. To delay in sending items back could mean I miss the return cutoff date. Furthermore, I have no control over when the vendor applies the credit. I cant ask them to delay posting it. I called and spoke to Chase reps for over an hour and was told there was no way to apply the monies differently, that they are applied systematically and no one could change how the monies were applied. Credits couldnt be given. There was no remedy. This was more than an entire monthly loan payment! We had to divert payments for other liabilities to come up with XXXX  to pay off the purchases. Furthermore, this complicated our cash flow and created difficulties paying the account off. \n\nISSUE XXXX: A BREAKDOWN OF THE STATUS OF THE LOAN ISNT PROVIDED\nThis goes along with Issue XXXX XXXX  If I hadnt been watching the account and if I hadnt called in I never would have known we had paid over the ISB, how much, and that it was applied to the loan and not purchases. \nXXXX\tChase does not provide a breakdown on the statement or on their website showing the amount paid above the ISB. \nXXXX\tIt also doesnt show where that XXXX was applied. In fact, a customer cant see activity on the loan. Its not on the statement or online. I was told by one representative that I could call in every month to get the information because they could see the breakdown but when I went over things on XXXX with the Escalation Department supervisor, she told me I was misinformed and that they also couldnt see the breakdown of loan activity. So no one knows the breakdown? On our car loan, I can log in and see payments made and how they were applied. I can do it on credit cards. But, from what I am told this is not available with this combination loan/credit card.\n\nISSUE XXXX: LACK OF CLARITY OF CREDIT CARD STATEMENT\nXXXX.\tIn answer to the question Chase poses in promotional information, What is an Interest Saving Balance?  Chase explains what is included in each category. However, this isnt broken down on the statement. You have to do the math on your own. \nXXXX\tThe amount of the Balance Subjected to Interest Rate in the Interest Charges section of the statement doesnt match the Amount Remaining in the My Chase Loan Summary section. I also cant determine how those figures were reached. Is the XXXX included?\n\nISSUE XXXX: WE ARE BEING CHARGED XXXX EXTRA\nAccording to sites, like calculator.net the monthly payments amount of the loan should be XXXX Chase is saying our payments are XXXX per month. Thats XXXX  more. This is trivial for us, but if this is practiced for everyone, Chase is making quite a profit.\n\nWe have a tight budget and a lot of medical expenses due to our daughters XXXX XXXX  problems and my husbands XXXX. We have been diligent and responsible customers. I keep a tight rein on our finances. We are getting billed for interest charges 2 times! Chase hasnt been transparent and there is no way for us to see activity on the loan. Which, credit charge or not, should still be available. We have access to how payments are applied on our auto loan, mortgage and even credit card so why do not even the representatives have access to loan activities? We feel cheated and scammed as promos for the loan were not clear and Chase has not been able to reasonably explain it. We read every document we could find before moving forward on this loan. Even in A Guide to My Chase Loan didnt explain most of what is addressed in this complaint. Chase cannot provide reliable, consistent answers. Im frustrated at the amount of time and number of people who couldnt comprehend the problems and the way I was dismissed and treated.  I also feel that I wasnt understood because foreign representatives struggled with American concepts, like how this loan was presented the same way as a car loan and interest should be included. It didnt sound like they were familiar with car loans at all. They didnt try to understand and was, in fact, told by one rep that he wasnt in the car loan department and wasnt trained. The language and culture barrier was brutal.\n\nBecause of the issues we dont have the freedom we had before to make purchases on this card. We made purchases on the account for the points which we could get back as cash. This helped us financially as well. However, not being able to see the charges from the loan and how they are applied our only solution is to not use the card for purchases. We are unable to get a card from somewhere else, with the same loan period at the payment amount we budgeted. We cant even get a card for points. We just added XXXX to our credit card debt and had XXXX  (paid in full, on time) in charges, we were denied.  A refinance, as was suggested by the bank manager, is not an option because we have a low interest rate and just refinanced during covid. \n\n\n\n*** These are the Promo and Documents I could find on the \"loan\"\nIf you web search: My Chase loan details, my chase loan terms brought up these links\nhttps://www.chase.comXXXX\n\nThe links on this page are: \n\thttps://www.chase.com/XXXX\n\thttps://www.chase.comXXXXXXXX\n\nWeb search: My Chase Loan\nhttps://www.chase.comXXXX\nHow it works video and Frequently Asked Questions\n\n \nCommunication Records XXXX \nChase Credit Card Customer Service XXXX XXXX XXXX (1.10 hours)\nThe amount showing owed on the statement was not matching what I had in my records. It wasnt showing money I paid towards purchases. I called in and was told I paid above the Interest Saving Balance by XXXX. ISB was XXXX but I paid XXXX. This was then applied to the back of the loan. There is no way for them to change it manually. I continued to ask for escalation and worked with the rep to find a way to get the XXXX back toward the card purchases. She tried to tell me the credit was for a subscription with XXXX in the beginning of the year, which it wasnt. The purchase it belonged to was dated XXXX. She seemed to be genuine in helping but nothing worked out. The only option that seemed remotely possible was to undo a payment already made. She said it could be done but it wouldnt be beneficial. She explained but it was unclear. She talked of how payments were applied to the ISB vs Plan or new purchases and that payments would go to wherever the higher interest charge was. Unpaid purchases would be charged 27.99%. If next month I dont come up with the money put towards the loan, the balance will be charged 27.99% interest. \n\nXXXX (0.5 hours)\nI called in because I wanted the breakdown on my loan and couldnt find it on my statement. I was told that if I wanted to know that information I would need to call in each month. They could only see it from their side.\n\nXXXX\nChase Credit Card Customer Service XXXX XXXX  (27 minutes)\nI called in again to see if my first conversation was accurate. I tried breaking it down into steps but she wasnt following. I explained she wasnt understanding what I was saying and I couldnt explain it differently. When I continued  to request someone else to talk to. I was disconnected. I also struggled with her accent.\n\nXXXX XXXX, branch manager at XXXX XXXX at XXXX XXXX  XXXX (1+ hours)\nThe reason for the visit was to get answers to the questions I listed on the written summary, get the XXXX payment applied to the loan moved to cover purchases it was intended to, try to see how I can see what it being applied to the loan. I wanted to show how scam-like it is that they didnt provide clearer information in documents provided through the website that the interest would be in addition to the amount provided on the My Chase Loan Details amount they said would be the payment amount. I needed a way out of this mess and our attempts had failed. I presented with:\nXXXX.\tMy Chase Loan promotion documents\nXXXX  Frequently asked questions under promotional\nXXXX.\tThe video that I recorded from the computer on my phone\nXXXX.\tMy Chase loan details XXXX.\tA Guide to My Chase Loan\nXXXX.\tXXXX XXXX Statement\nXXXX\tJXXXX XXXX Statement\nXXXX.\tA written summary of the questions\n\nXXXXXXXX could see what I was saying and was confused as well. She called Chase Credit Card Services and put it on speaker so I could participate:\nRepresentative XXXX We had a difficult time getting the representative to understand how the loan was different from the promos and the details sheet. We were told one amount but getting billed another amount. We went through most of the questions on my sheet. He was hung up on the fact that interest is charged with all loans and he didnt understand that what I was saying was that the interest shouldve been included in the My Chase Loan details. I explained the form was laid out the same as it would on a car loan. XXXX requested it to be escalated because the answers were insufficient. It was escalated to XXXX, the credit card department manager. We went over all of the same information. He verified that\nXXXX.\tNothing could fix how payments were applied because it was systematic. \nXXXX.\tAlthough the word loan is used in all of the promotional and in the description of the loan it is being handled as a credit card charge so the interest were  getting charged is getting billed in addition to the amount of the loan as stated on the My Chase Loan Details. He said the interest accrues daily just like a credit card.\nXXXX.\tIt is true you cannot pay as you make the charges (as I have done for most of the time I had the credit card). If the payment is larger than Interest Saving Balance it goes to the back of the loan, like a car loan. \nXXXX.\tIt's true you cannot decide how payments will be applied.\nXXXX.\t It's true that you cannot see how the payments were applied. You must call in and ask for the breakdown each month. \nXXXX.\tIts true you cannot see how much you overpaid on the interesting balance anywhere on the statement to know how much was applied to the loan.\nXXXX.\tMy Chase Plan Summary (on the statement) only shows the principal it doesn't state if it's being charged interest. All plans are supposed to be 0% but cant verify its not included in the interest of the loan. \nXXXX.\tMy Chase Loan Summary (on the statement) doesn't show that it included the overpayment of XXXX. To Keep track of the loan, the loan is the only thing that should be on the statement.\n\nWe couldnt communicate with him either about the interest, saying that each loan has interest that needs paid. I agreed. I dont expect an interest free loan, but I was getting charged interest 2x. He cut the questions short and wanted to know the bottom line. Was it to change it to 0% interest? I said that would work if that was the only option to correct getting charged interest on top of the XXXX that was made to appear was part of the loan amount when we applied. He said he would forward the feedback to the next escalation level. They should receive an answer in 7 to 10 business days but he doubts anything can be changed. XXXX  - is also escalating to her credit card contact. She should hear back within a day or two. He's higher than XXXX manager. She kept a copy of all of my complaints from the Summary page I provided. \n\tI asked about switching it to another Chase credit card. She said Chase does not allow a balance transfer from one Chase card to another Chase card\n\tThe only option is to refinance. Which isnt an option since our mortgage interest rate is much lower than what would be available.\n\tShe asked about getting another card from another bank to pay this loan off. I explained we already thought of that and were declined for a card. Because we just took out an XXXX loan and had XXXX in charges. \n\tI explained that we were supposed to save over XXXX a month and now it's less than XXXX  dollars putting us even more in a bind since those monies were promised to debtors.\n\nEmails sent to XXXX: \nAfter leaving I sent two emails to let her know that the final question on my summary sheet regarding the interest on the balance amount wasn't asked or addressed. I also sent copies of all of the promo, loan details and an example of the auto loan details. And pointed out that the auto loan and this loan was laid out the same with no explanation that it was getting treated as a credit card and therefore charged separate interest. And the term loan was used everywhere in regards to this offer. XXXX XXXX called  There was not much difference in the answers she could give.  Her contact told her the interest amount is included with the loan payment. They are together included in the ISB and that totals XXXX Her contact also saw that this was very confusing. But that I could rest assured that we were not getting charged an additional XXXX  as shown on the statement. \n\nXXXX\nEmail between me and XXXX: MY RESPONSE WAS PARTIALLY INCORRECT. AFTER LOOKING AT IT FURTHER, ACCORDING TO THE STATEMENT THE INTEREST IS ON TOP OF THE XXXX. I didnt email her again though and decided I would take it up after she responded. She replied shed look into it to get me answers. I was contacted by the escalation department representative and didnt hear from her again.\n\nXXXX\nChase Escalation Department Called\nXXXX XXXX (1.7 hours)\n \nEscalation department received the complaint I emailed XXXX. He said that because he didn't have access to Chase Credit Card the only thing he could do for me is stay on the line while I talked to someone in credit card customer service. He kept trying to focus on what was included in the interest savings balance. Despite many attempts I could not get him to understand that was not the problem. He transferred me and stayed on the line. \n \nCredit Card Department She was apparently hung up on past account notes and I couldn't get her to understand me either. I couldn't get her to just follow the fact that the XXXX was applied to the loan. The gentleman from the escalation department said that because he didnt have access to the credit card statement, he was going to disconnect from the call and did. I asked for it to be escalated within the credit card department. She then asked if I would like to talk to a supervisor.\n \nSupervisor \n\tI asked 3x for the breakdown of the loan and she finally said she couldn't see it either and apologized I was misinformed (by XXXX escalation supervisors)\n\tThere is no way that would be beneficial to us to cancel a past payment so that it could be applied to the purchases but didnt explain why.\n\tThis loan is for people who dont pay off their credit card as they go.\n\tThe interest is charged in addition to the loan of XXXX sorry we were misinformed.","date_sent_to_company":"2024-08-01T18:54:19.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"44720","tags":null,"has_narrative":true,"complaint_id":"9683435","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-08-01T17:53:08.000Z","state":"OH","company_public_response":null,"sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["But, from what I am told this is not available with this combination loan/<em>credit</em> <em>card</em>.\n\nISSUE XXXX: LACK OF CLARITY OF <em>CREDIT</em> <em>CARD</em> <em>STATEMENT</em>\nXXXX.\tIn answer to the question <em>Chase</em> poses in promotional information, What is an Interest Saving Balance?  <em>Chase</em> explains what is included in each category. However, this isnt broken down on the <em>statement</em>. You have to do the math on <em>your</em> own."],"product":["<em>Credit</em> <em>card</em>"],"company":["JPMORGAN <em>CHASE</em> & CO."],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[19.405472,"9683435"]},{"_index":"complaint-public-v1","_id":"13351916","_score":19.36602,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/year> at XXXX XXXX XXXX, I booked a round-trip flight with XXXX XXXX XXXX Among completing the purchase and being brought to the flight confirmation screen, there was a promotional offer to sign-up for the United Airlines credit card to receive {$300.00} off of the flight I had just booked and paid for in the form of a statement credit of {$300.00}. I clicked directly on the promotional advertisement and clicked to open in a new tab. I then provided my personal information to sign up for the credit card and successfully signed up. After signing up for the card, the only information regarding the card I received was an email from Chase the same day at XXXX XXXX XXXX memorializing that the website had said I was approved for the card. As the email did not mention the {$300.00} credit and I did not get an adjusted email receipt from United reflecting my new expected total, I navigated back to the tab I had open ( displaying the promotional offer I had clicked on and signed up for the United card through ) and took a screenshot in case there happened to be any problems with getting the credit. As the card is powered through Chase and I have a previous Chase credit card I checked my Chase app on my phone to see I did now have a second account but my purchase had not be transferred over to the United card ( as the website implied ) and I did not have the {$300.00} statement credit ( as the website directly promised ). However, I assumed it would take a business day or two to process so I waited.\n\nAfter not waiting and not getting either an indication on my now United credit card account regarding the {$300.00} nor receiving an email with an updated receipt reflecting the {$300.00} credit, on XX/XX/year> at XXXX XXXX XXXX, I submitted a complaint to United Airlines ( regarding this issue and other miscellaneous customer service issues ) through my account and received the complaint case ID number XXXX. I received a response from XXXX XXXX, XXXX XXXX Supervisor, on XX/XX/year> at XXXX XXXX XXXX. Regarding the credit card promotion XXXX said : We recognize how frustrating it can be when promotional offers don't align with expectations, especially after applying for a new credit card based on what was shown during booking. I appreciate you bringing this to our attention, and we're currently reviewing the details surrounding the offer you encountered. I responded at XXXX XXXX XXXX that same day providing the screenshot and reiterating the issue. I received a response from him/her on XX/XX/year> at XXXX XXXX XXXX. Regarding the credit card promotion he/she said : I also understand your concern about the clarity of the credit card promotion and appreciate you including the screenshot for context. Please be assured that your feedback has been escalated for internal review by our Customer Experience and Marketing teams [. ] While I was issued a {$100.00} voucher, this was issued in relation to the customer service issues I experienced unrelated to the credit card ( as implied in this email and more clearly stated by XXXX XX/XX/year> email ). In my response the same day at XXXX XXXX XXXX, I again explained the issue with the deceptive advertising and asked United to honor the offer advertised. I received a response from XXXX on XX/XX/year> at XXXX XXXX XXXX. Regarding the credit card he/she said : I appreciate you showing us your attachment, however, I believe this depended on which credit card was opened as there are XXXX tiers to choose from. Also, though, I can not open the tab now and see what the instructions are for implementing the credit towards an already purchased ticket, this would need to be adjusted during the day of purchase. However, as I indicated in my replies sent the same day at XXXX and XXXX XXXX XXXX, there was no mention of any of that in either the promotion or the sign-up page, there were no tiers/levels mentioned ( nor was I directed or required to choose one ), there were no instructions or mention of them, or any deadline to implement the credit.\n\nTo date : United has not honored nor attempted to or offered to honor the promised benefit in their ( deceptive ) advertising, despite me attaching the screenshot and asking for them to honor it. While I did write in my newest email at XXXX XXXX  that I'd wait before pursuing assistance from regulatory agencies, I feel that United will not honor their promotional offer in good faith as they are now making excuses and adding untrue information/conditions.","date_sent_to_company":"2025-05-05T22:05:20.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"Store credit card","zip_code":"019XX","tags":null,"has_narrative":true,"complaint_id":"13351916","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-05-05T21:56:59.000Z","state":"MA","company_public_response":null,"sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["As the <em>card</em> is powered through <em>Chase</em> and I have a previous <em>Chase</em> <em>credit</em> <em>card</em> I checked my <em>Chase</em> app on my phone to see I did now have a second account but my <em>purchase</em> had not be transferred over to the United <em>card</em> ( as the website implied ) and I did not have the {$300.00} <em>statement</em> <em>credit</em> ( as the website directly promised ). However, I assumed it would take a business day or two to process so I waited."],"product":["<em>Credit</em> <em>card</em>"],"company":["JPMORGAN <em>CHASE</em> & CO."],"sub_product":["Store <em>credit</em> <em>card</em>"]},"sort":[19.36602,"13351916"]},{"_index":"complaint-public-v1","_id":"8288024","_score":18.810238,"_source":{"product":"Credit card","complaint_what_happened":"Chase Fraud Department XX/XX/XXXX RE : credit card account number ending XXXX I have disputed a credit card charge on my account from XXXX in the amount of {$140.00} originally posted to my account on XX/XX/XXXX. You now have come back twice and determined that I am responsible for the charge. \nI contacted your fraud department on several occasions. On the initial conversation your personnel provided me with a number ( XXXX XXXX ) to contact the vendor to resolve the issue. That telephone number was to an individual who stated, this is my cell phone number in Maryland which someone has stolen and is using for fraud. The second time I spoke with your department they provided me with a different telephone number ( XXXX ), which I subsequently found out was on XXXX website. When I tried that number I received the voicemail message, which I transcribed, This is not XXXX XXXX I am in no shape form or fashion affiliated with XXXX \nI advise you to contact your financial institution to try to get your money back. I have reached out to the FBI and the XXXX XXXX XXXX to try to get my phone number removed from their website. \nI wish you the best of luck. \nIn your Reason for determining the charge was valid, you stated Merchandise was billed to or shipped to your address. \nFor the record, I have never heard of the company, nor have I ever purchased or received any product from them. \nAs a consumer I hereby choose to exercise my rights under 15 USC Chapter 41, Subchapter I, Pard D : Credit Billing 1666 Correction of bill errors. \nthe creditor shall, ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligor 's indebtedness. \nPlease provide me with the documentary evidence utilized by your company to justify your decision. \nEvery avenue and direction your department has pointed me has resulted in some indication of fraud. Yet you have made a determination that I am liable for the charges. In fact, every charge on my statement contains some sort of reference/tracking number except for the charge in question. \n\nBased upon your online reviews of how your firm handles these transactions, I am surprised that a Class Action Suit has not been filed. When you attempt to upload a document to support any claim on Chases website it required you to input a Claim Number ID ( Which is supposed to be provided by Chase ) What's your claim ID? \nYour claim ID should start with a capital \" C '' followed by a hyphen, 8 numbers, a second hyphen, then up to 16 numbers. \nCheck any letters we sent you for this ID. It will start with a capital \" C '' followed by a hyphen, 8 numbers, a second hyphen, then up to 16 numbers. If you don't know it, please call us at XXXX. \n\nBoth letters that I have received by the Chase Fraud Department does not include any such Claim ID. \n\nI will await your response. I can be contacted by email at XXXX or XXXX. \n\nXXXX XXXX XXXX XXXX : // XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX CEO Credit Card Services XXXX CFPB Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-02-05T12:58:14.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"20774","tags":null,"has_narrative":true,"complaint_id":"8288024","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-02-05T12:54:01.000Z","state":"MD","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> Fraud Department XX/XX/XXXX RE : <em>credit</em> <em>card</em> account number ending XXXX I have disputed a <em>credit</em> <em>card</em> charge on my account from XXXX in the amount of {$140.00} originally posted to my account on XX/XX/XXXX. You now have come back twice and determined that I am responsible for the charge. \nI contacted <em>your</em> fraud department on several occasions. On the initial conversation <em>your</em> personnel provided me with a number ( XXXX XXXX ) to contact the vendor to resolve the issue."],"product":["<em>Credit</em> <em>card</em>"],"issue":["Problem with a <em>purchase</em> <em>shown</em> on <em>your</em> <em>statement</em>"],"company":["JPMORGAN <em>CHASE</em> & CO."],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a dispute about a <em>purchase</em> on <em>your</em> <em>statement</em>"]},"sort":[18.810238,"8288024"]},{"_index":"complaint-public-v1","_id":"15723953","_score":18.740473,"_source":{"product":"Credit card","complaint_what_happened":"Background and Account Opening : In XXXX, an account was opened with Chase in my name without my knowledge or authorization. \n\nThe email address on file was not mine. I did not receive statements or notices. All communications from Chase went to my ex-husband, who had control of the account. \n\nWhen I later attempted to authenticate the account with Chase, I could not do so because the mothers maiden name on file was incorrect, further indicating fraudulent setup. \n\nCourt Orders and Legal Responsibility : On XX/XX/XXXX, temporary court orders required my ex-husband to pay my living expenses and legal fees, and to cover credit card accounts he authorized. \n\nOn XX/XX/XXXX, a binding Mediated Settlement Agreement ( MSA ) was signed. This agreement specifically identified the Chase XXXX XXXX card as my ex-husbands liability and confirmed his obligation to pay my legal fees. \n\nOn XX/XX/XXXX, my attorney contemporaneously noted this card among my ex-husbands responsibilities consistent with the MSA. \n\nUse of the Account Under Orders : On XX/XX/XXXX, a payment of {$5000.00} was charged to XXXX XXXX XXXX on the Chase XXXX XXXX card. The billing address shown was not my residence. \n\nThis transaction was made at my ex-husbands direction to cover attorneys fees that, under the court orders, he was responsible for paying. \n\nEx-Husbands Control and Shifting of Liability : My ex-husband made payments on the account from a joint checking account for nearly two years after our final divorce decree. Given the other financial misconduct he has engaged in, I believe this was an intentional act. He used the joint checking account to create the appearance that the card was a shared responsibility rather than a fraudulent account he opened in my name. In essence, he strategically used joint funds to avoid being held solely accountable for the card and only revealed its existence when he attempted to transfer the liability to me.\n\nThis pattern fits into a broader context of financial manipulation, and I believe Chase should recognize that these payments do not legitimize the account. Instead, they highlight his intent to avoid responsibility and shift the burden onto me. \n\nOn XX/XX/XXXX, he emailed me stating : Just so youre aware, this credit card is in your name and I pay the monthly bill every month. He forwarded Chase statements to mefurther proof I had never received them directly. \n\nOn XX/XX/XXXX, he wrote : Its your card. I dont have access. Yet the next day, XX/XX/XXXX, he provided the username and password to the account, contradicting his claim of no access. \n\nOnly in XX/XX/XXXX did I begin personally receiving Chase communications about the account. \n\nFraud Reporting and Chases Response : In XX/XX/XXXX, after my ex-husband attempted to shift the liability to me, I contacted Chase. I could not authenticate the account due to the incorrect mothers maiden name. \n\nAfter weeks of review and providing evidenceincluding a police reportChase initially removed the account from my credit report and treated it as fraud. \n\nHowever, months later, Chase reinstated the account to my credit file. Their stated reason was that because my ex-husband had made payments from a joint checking account, they would not classify the matter as fraud. However, the presence of this fraudulent account on my credit report has significantly damaged my credit score. As a result, it has prohibited me from purchasing essential items and accessing financial opportunities that I need, especially as I have a critically ill child and need things with my credit. This ongoing credit issue has had a direct and harmful impact on my financial stability.\n\nKey Argument : My ex-husband fraudulently opened this account in my name in XXXX, concealed it during divorce proceedings, and paid it himself for nearly two years after the final divorce decree.\n\nThe binding MSA, attorney records, and court orders confirm that this card was his responsibility.\n\nHe used it for his own expenses and for legal bills he was court-ordered to cover. \n\nOnly in XX/XX/XXXX did he reveal the account to me, at which point I immediately sought to correct the matter with Chase. \n\nChases reinstatement of this account to my credit file, after initially acknowledging the fraud, is improper and harmful.","date_sent_to_company":"2025-09-16T17:58:03.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"77379","tags":null,"has_narrative":true,"complaint_id":"15723953","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-09-04T15:18:19.000Z","state":"TX","company_public_response":null,"sub_issue":"Card opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, he emailed me stating : Just so youre aware, this <em>credit</em> <em>card</em> is in <em>your</em> name and I pay the monthly bill every month. He forwarded <em>Chase</em> <em>statements</em> to mefurther proof I had never received them directly. \n\nOn XX/XX/XXXX, he wrote : Its <em>your</em> <em>card</em>. I dont have access. Yet the next day, XX/XX/XXXX, he provided the username and password to the account, contradicting his claim of no access. \n\nOnly in XX/XX/XXXX did I begin personally receiving <em>Chase</em> communications about the account."],"product":["<em>Credit</em> <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"company":["JPMORGAN <em>CHASE</em> & CO."],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Card</em> opened without my consent or knowledge"]},"sort":[18.740473,"15723953"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":41,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":41}]}},"product":{"doc_count":41,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card or prepaid 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