Review and analysis of over 31 complaints against JPMorgan Chase & Co.
JPMorgan Chase & Co. consumers have reported over 31 official complaints related to Credit determination. Out of the 31 consumer complaints against JPMorgan Chase & Co., 39% were disputed by the consumer (i.e. the consumer was not happy with how JPMorgan Chase & Co. responded to their complaint) and 100% were processed in a timely manner. 0% of consumer complaints against JPMorgan Chase & Co. resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 13% resulted in non-monetary compensation.
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JPMorgan Chase & Co. Credit card credit determination December 23, 2016 - I have a hard hit inquiry on my - Credit Report by Chase Card that I do n't recall authorizing.... |
JPMorgan Chase & Co. Credit card credit determination December 16, 2016 - Hi, I just recently tried to get a credit card from amazon. The credit card is through Chase and I first before I apply checked the internet about what you credit score had to be many site 's said it had to be in the fair range. I have to credit cards now and the cards are somewhat max out, but I 'm saving for a house and I ca n't use that money to pay them. I make around $33000.00 per year.I called to see if I was approved and they got more info from me but they did n't approve me, but I think because they judged that I was - from the tone in my voice and I was discriminated against.... |
JPMorgan Chase & Co. Credit card credit determination December 15, 2016 - I received a letter from Chase saying I was eligible to apply for a Chase - business credit card for my business. I applied for the card and received a letter telling me I was denied because I had had too many credit cards opened in the previous - years. I called their help line and was informed that even though I had never missed a late payment on a credit card, my FICO score is -, and - of the - credit cards in my credit history were closed at the time of the application, and the - credit card I still have open is a Chase credit card with a $31000.00 limit, that they woul... |
JPMorgan Chase & Co. Credit card credit determination December 8, 2016 - I applied for a credit card with Chase, and was declined due to " too short of credit history. '' However, this is because I have only been eligible for credit for two years, simply due to age. I have excellent history within those years, including perfect payment history on cards with limits up to $9000.00. I am applying for cards as a member of the - using them to travel. As a - member, I have most expenses covered, in addition to getting reimbursed for most flights. It seems like I am only getting rejected due to age.... |
JPMorgan Chase & Co. Credit card credit determination November 15, 2016 - I applied for a hotel chain 's credit card, in order to take advantage of a promotion it was offering. I did not bother to look up our actual income, but just entered a number I thought would be lower than the actual income, but still sufficient. The new hotel card was to be issued by Chase bank, where I already have a MasterCard and a Visa. Their internal Formula apparently decided that the $2000.00 extra Line of Credit ( LOC ) of the card I was applying for was over what that income number would support. Chase did not call me during their deliberations. Instead, they sent a letter afte... |
JPMorgan Chase & Co. Credit card credit determination November 15, 2016 - I defaulted on a Chase credit card due to our business going bankrupt after the real estate crash and our failed economy. I have been trying for years to settle the debt but Chase has written off my debt but refuses to remove the judgement from my credit report and a low credit score is keeping me from recovering financially from this loss. Chase holds my first and second mortgage and will not allow me to refinance. Why do the banks get bailed out, get to write off the bad debt, and still ding my credit report every month and will not do anything to remove this judgement form my credit report.... |
JPMorgan Chase & Co. Credit card credit determination September 15, 2016 - I previously filed a complaint ( Case number : - - for my denial of credit for the Chase Sapphire Reserve card. I am resubmitting the complaint after discovering a person with far greater number of credit cards opened in the past 24 months was denied for the same reason without further credit review ( " too many credit cards opened in the past 24 months '' ). However, this person contacted Chase and was subsequently reconsidered for credit and approved for the Chase Sapphire Reserve card when Chase actually reviewed his credit profile and credit worthiness. I also discovered this person ... |
JPMorgan Chase & Co. Credit card credit determination September 13, 2016 - I applied for a Chase - card and received a denial letter. I contacted their reconsideration line and was advised that I was listed as an authorized user on another Chase Credit Card account that was charged off. I advised I was not aware of this and to provide details. No information was provided- I contacted EVERY customer service number for all the credit cards Chase offers in their portfolio. No one could assist me. Upon calling the reconsideration line, the second representative quickly backtracked and advised " oh- well that would n't hurt your score thaaat bad '' - but - informa... |
JPMorgan Chase & Co. Credit card credit determination August 25, 2016 - I asked Chase Bank to stop sharing credit information with the credit bureaus for an account on which I am ONLY AN AUTHORIZED user. Chase refused to do that and it argued that it received approval from principal user ( i.e. principal user is the person who applied for the credit card ). This seems unfair because a bank should get approval from the AUTHORIZED user since it might negatively impact his/her credit ( approval from the principal user is not sufficient )... |
JPMorgan Chase & Co. Credit card credit determination August 23, 2016 - On -/-/2016 when visiting the - - Chase branch, a Chase banker by the name of - - informed me I was preapproved for a Chase - - credit card and asked me if I was interested in accepting the offer of credit. I said, yes, I was interested. He then began the process, and then he told me he needed to check something. He walked away and came back a few minutes later after speaking to another employee in the branch, and he informed me I was preapproved for the Chase - and Chase Freedom credit cards, not the Chase - - card ; however, he told me since I was preapproved... |
JPMorgan Chase & Co. Credit card credit determination August 10, 2016 - I have along history of credit excellence with an excellent credit score and no missed payments over 34 years. I applied for a Chase - card in -, a Chase - Business Card in - and an - Rewards card in -. All - applications were rejected. When I called to inquire about the rejections, Chase stated that the rejection was based on having more than - cards opened over a 24 month period. I pulled my credit report that showed I had - cards open over two years. If I would have known this information, I would not have applied for the credit cards. In fact, all - cards had... |
JPMorgan Chase & Co. Credit card credit determination July 26, 2016 - As a longtime Chase credit card customer ( over a decade, all balances paid in advance of bill with a credit score of - ), I recently applied for a Chase-sponsored - - card and was denied even though I currently only have - other Chase card. The reason I was given - " Too many credit cards opened in the last 2 years '' - evidently reflects Chase 's newly enacted " -/-/- '' policy of which applying consumers are not informed before the application/inquiry process. These are unfair and deceptive advertising practices. The policy unjustly limits the consumer freedom of those re... |
JPMorgan Chase & Co. Credit card credit determination July 26, 2016 - We had a small $190.00 balance with a Chase Card that we did n't know about. We had electronic statements checked off online, but my husband had changed his email and we were n't receiving the statements. We did not receive any letters in the mail or any phone calls to inform us of the balance and to tell us that it was past due. Chase simply reported this to the credit agency without warning. This has now affected our credit.... |
JPMorgan Chase & Co. Credit card credit determination July 10, 2016 - I have a credit card with Chase with a limit of $65000.00. I have not been late on a payment and have had a credit score consistently over -. I pay my credit card in full every month. I recently came over my limit to $85000.00. I went to lease a car and found that my credit score dropped significantly. The car dealer reviewed my credit report and showed me how it was compromised as a result of exceeding my $65000.00 credit limit. When I called Chase they stated that because I was a preferred customer they extended the extra credit to me. Unfortunately in the process of doing so, becau... |
JPMorgan Chase & Co. Credit card credit determination July 6, 2016 - I applied for a Chase - - business card. I was told I have " a good credit file. '' ( I know from independent checking that my credit score is over -. ) I have no late payments or over-limit spending. I was denied because Chase said I have received too many credit cards from other banks in the past two years, even though they could not tell me what number of cards is too high because, they answered, there is no set number. It could be -, or -, or -. It could be different for each applicant ; meaning that the criteria is completely arbitrary and can be implemented in a discrim... |
JPMorgan Chase & Co. Credit card credit determination July 1, 2016 - I have - separate credit cards that were with Chase Bank, both were charged off in -/-/-. I received the IRS bill for taxes on the forgiven amount which I paid which shows that it changed the status of my -/-/- and -/-/- tax returns ... However, Chase is still reporting to the credit bureaus that I owe the debt. I have been in the process of trying to get a home loan for the past 5 months, this issue has held up the home loan for that time, 5 months now. Myself along with my bank and a credit reporting agency they work with ( core logic ) have all been in communication with C... |
JPMorgan Chase & Co. Credit card credit determination June 27, 2016 - I. Did not request or authorize chase card to make any inquiries on my credit reports... |
JPMorgan Chase & Co. Credit card credit determination June 15, 2016 - Chase Credit card has a new rule called -/-/-. Any credit card applicant is only approved if he/she has less than - inquire on his credit report within the last 2 years. This is hindering competition for the consumer. Consumer is not able to shop around any longer, so the bank is starting to building a price cartel with the information within the credit report. I am ok that Chase Bank uses my credit information to check my credit worthiness ( about - fico score ) but not ok to hinder competition. Within case my application number is - regards - -... |
JPMorgan Chase & Co. Credit card credit determination May 26, 2016 - I received a - form Chase Bank charging off my debt owed to them, I opened an account with them in - when in the military and up until - never missed a payment. This was a joint account and in - - I got a divorce and was ordered to carry this amount with me. In - I was advised to stop making payments and fell behind. In - I received the - charging off my debt. I filed the charge off on my - federal tax return and thought I was done. Chase had been reporting on my credit report that the balance had been charged off and was showing at $0.00. When - requested a b... |
JPMorgan Chase & Co. Credit card credit determination May 26, 2016 - i made online payments through my bank. They returned the funds 3 months in a row. They called and said i was late. we did a 3 way call with my bank and confirmed the payments were sent out on time but returned to bank by them. I immediately gave them the debit card ( which was tied to the account online the funds was going out of ) and paid it in full. we confirmed with the representative account #, address, etc. They are still returning my payments and notifying credit bureau i am late. The representative told both my banker and i that they would have somebody call both of us back the next d... |
JPMorgan Chase & Co. Credit card credit determination May 15, 2016 - On - - I received a call from - of J.P. Morgan/Chase Bank Email Service dept indicating that they had pulled my Credit Report in error. I do have a Chase Unlimited Freedom account for 10 months, however I had NOT requested any services. - had shared that the error had been fixed and it would be transparent to me. The following day, - -, I receive an alert from - and - that an inquiry had been placed on my credit reports. My credit score decreased by - points on each credit bureau. On Monday - - I called Chase regarding this issue and was transferred to a superv... |
JPMorgan Chase & Co. Credit card credit determination April 25, 2016 - I have a credit card from Chase Bank - This account was closed as of -/-/-. Chase is reporting this account late and in default. I had filed a complaint in -/-/-, and Chase the resolved the issue then, but i=t still keeps on showing up on my credit report. This has caused irreparable harm to my financial situation, and i am demanding that Chase remove the negative information immediately ... |
JPMorgan Chase & Co. Credit card credit determination April 25, 2016 - Chase has sent me - credit card mailings between - and - of -, and I do n't want them. I am certain they are affecting my credit, and I want them stopped. However, when I call chase to get rid of these " offers '', there is a robot asking me for my Social Security Number, which they should not need, for my home address, my telephone number, and - knows what else, and they do not allow me to connect to a representative, period. Enough!!! I am not interested in giving that information to anyone, and the fact that THEY have it really - me off. ... |
JPMorgan Chase & Co. Credit card credit determination April 14, 2016 - I recently applied for a CHASE SLATE card and was told that confirmation of my actual physical address was required for approval. I was reluctant to provide more than my mailing address as I work in - and have security concerns but after being assured this would be kept confidential and I would be approved once they had my address, I provided it. I then followed up and was told I was turned down because of my account balances vs my credit lines. I applied for the account as I wish to lower my balances by transferring them to a 0 % account and paying them off much faster! I feel as if I was ... |
JPMorgan Chase & Co. Credit card credit determination April 12, 2016 - I applied for a Chase Sapphire preferred card around -/-/- at the - - - - branch office in -, Florida. I was told I would receive my card within 2 - 3 days. After a week I called Chase credit card and I was told my credit application has been rejected. The reason provided was too many inquiries although I had only - inquiries including this application. I wrote to the branch manager on - - but did n't receive any response. On - -, I received a solicitation from Chase although nothing has changed in my situation. I am thinking there was arbitrary action by Cha... |
JPMorgan Chase & Co. Credit card credit determination March 24, 2016 - I recently applied for a CHASE SLATE card and received a letter stating that they needed government ID to verify my address. I provided a copy of my driver 's license and Pa Voter 's ID card to verify it along with a copy of my Social Security card to verify my identity. When I called back today, I was told these were n't sufficient under the " Patriot Act. '' There is a Post Office connected to my building and I explained that - credit reporting has put an incorrect warning in my file that my address is a mail drop location. I advised CHASE of this but they did n't seem to want to review t... |
JPMorgan Chase & Co. Credit card credit determination February 15, 2016 - Chase violated the FCRA by accessing my credit report to conduct " Account review inquires '' after my account relationship had ended with Chase. This meant that Chase made these inquires to all three of the CRA ( Credit Reporting Agencies ), without my consent for an account review for credit services. This was not in an effort to offer credit or other services. Chase did not notify me or ask permission to review my account. Chase will not remove the inquiries or the accounts that were closed. I will take further action up to and including a lawsuit to protect my consumer rights under FCRA. ... |
JPMorgan Chase & Co. Credit card credit determination January 19, 2016 - I applied for the Chase British Airways Visa Signature Credit Card and it was declined to me on the basis that I have earned Cardmember Bonus on this card in the past 12 months. I have never owned this product. Chase sent me the letter declining the card and no where in the letter left a number where I can call to get more information ... |
JPMorgan Chase & Co. Credit card credit determination January 10, 2016 - I applied at a bank on -/-/2016 for a credit card and received an immediate reply dated -/-/2016 that denied me the card. The letter from the bank stated, " Our decision was based on the following specific reasons : Not enough accounts opened long enough to establish a credit history. '' As a matter of fact, my credit history includes ; a mortgage for a home which I repaid without any late payment penalties, a checking/debit account held for about 25 years with - bank and with no overdraft penalties, 14 years of paying rent at the same location without a late payment, and at present I a... |
JPMorgan Chase & Co. Credit card credit determination January 9, 2016 - - - -, Chase Bank solicited me for their Slate card. Chase was aware that I had an existing bankruptcy and low credit score. Again, Chase solicited me based on this knowledge. Chase denied me due to " [ my ] credit report contains a bankruptcy ''. I now have an inquiry entry on my credit report that now should not be there as I would have never applied if Chase had not solicited based on my challenged credit history. Inquiries can lower your credit score. ... |
JPMorgan Chase & Co. Credit card credit determination January 8, 2016 - Applied for Chase saphire credit card. I have an excellent credit. Received a denial on the basis that if within 2 years I was approved for - or more credit cards ( any bank ) I can not get the credit card. It 's very deceiving, because had I known prior to the application that that would be the case I would n't apply and waste a credit inquiry which negatively affects the score! Very disappointed, Chase should disclose and tell the customers PRIOR to applying that this is a condition. ... |