Kaparosky said: robertw477 said: When I spoke to Exec offices recently the rep told me that in the Card terms and conditions it states Chase cards cannot be used for business charges. (That applied to every Chase personal card) I asked her to show me exactly where it said that since it did not. After dead no response she said about fraud in the points program. For good measure she mailed me a letter circling on the points program. I was not involved in any fraud. Every charge I made was approved by Chase and my bills were paid by a Chase account. What fraud is that? What abuse. I will continue to give this data to any govermental authority who I can think of. They are bullies. Are there others who have not gotten their points as of now?
Tried getting my 80K points
1. By sending a secure email, they denied within 2 hours 2. Sent another email threatening them to take this issue to CFPB & other agencies, they replied after few days saying a letter is being sent to me. Got the letter after 7 days, stating that they will be unable to issue me point as the card was not used as intended & blah blah & they consider that this matter is closed. 3. Filed the complaint with CFPB & awaiting any response to it.
80K ???? Why did you wait this long ? Free money is better in your own pocket rather than the bank's
Not to distract from the problems most of you are having but just as a datapoint; my 6 month 5% period just ended (first AARP card) and I never got shut down (though I was not a heavy hitter). I signed up just before they stopped offering it to new applicants in January. 20k CL and average spending was between $5k and $10k monthly. I did 6 months worth of estimated tax payments (though I only did them at the amounts I would normally owe in taxes) and I used chargesmart for my mortgage for the entire period. Additionally got to use the card to pay for most of my wedding, a significant downpayment on a new car and 12 months of utilities prepaid. Have a $15k remaining balance that I'll pay off at the end of the 0%. Good luck to all of you still battling to get points back.
A better question would be who had Chaze shut down their AARP, then complained to the feds to get their points back, then got their points back and then applied and got approved for a new Chaze cc?
i did, though i did not complain to the feds. I am still paying off my balance on the AARP that was shut down in April. Got another chase card after being shut down, before having the points reimbursed. they did ask questions about the AARP (when did i plan on paying it off?) before they approved me for another.
Happy283 said: i did, though i did not complain to the feds. I am still paying off my balance on the AARP that was shut down in April. Got another chase card after being shut down, before having the points reimbursed. they did ask questions about the AARP (when did i plan on paying it off?) before they approved me for another.
That is good news. I haven't tried to apply for any chase cards for fear of a hard pull and denial. Chase has the best sign on bonuses so I hope I am not banned for life. Wouldn't be worth it for the meager amount I received from the AARP.
i3ighead said: Happy283 said: i did, though i did not complain to the feds. I am still paying off my balance on the AARP that was shut down in April. Got another chase card after being shut down, before having the points reimbursed. they did ask questions about the AARP (when did i plan on paying it off?) before they approved me for another.
That is good news. I haven't tried to apply for any chase cards for fear of a hard pull and denial. Chase has the best sign on bonuses so I hope I am not banned for life. Wouldn't be worth it for the meager amount I received from the AARP. So who's got some guts and is willing to fire off a new app with Chase tomorrow and let us know how it goes .
MikeR397 said: i3ighead said: Happy283 said: i did, though i did not complain to the feds. I am still paying off my balance on the AARP that was shut down in April. Got another chase card after being shut down, before having the points reimbursed. they did ask questions about the AARP (when did i plan on paying it off?) before they approved me for another.
That is good news. I haven't tried to apply for any chase cards for fear of a hard pull and denial. Chase has the best sign on bonuses so I hope I am not banned for life. Wouldn't be worth it for the meager amount I received from the AARP. So who's got some guts and is willing to fire off a new app with Chase tomorrow and let us know how it goes .
Haha. I am not going to apply for this card again, but there are quite some other tasty ones out there. I miss my Amazon card....
i want another united card, so maybe I will do it again, I was going to wait until I paid off the AARP, but maybe I will close the chase sapphire (which the let me open after the AARP fiasco) to get the united card.
MikeR397 said: i3ighead said: Happy283 said: i did, though i did not complain to the feds. I am still paying off my balance on the AARP that was shut down in April. Got another chase card after being shut down, before having the points reimbursed. they did ask questions about the AARP (when did i plan on paying it off?) before they approved me for another.
That is good news. I haven't tried to apply for any chase cards for fear of a hard pull and denial. Chase has the best sign on bonuses so I hope I am not banned for life. Wouldn't be worth it for the meager amount I received from the AARP. So who's got some guts and is willing to fire off a new app with Chase tomorrow and let us know how it goes .
I tried getting another chase card after they closed my aarp, freedom and 2 other credits cards. I tried for a card type they had closed, it was declined and the written response was that once chase closes an account of mine, I am unable to get that card type again. Haven't tried for a different type of card than one of those types that was closed at this time.
MikeR397 said: i3ighead said: Happy283 said: i did, though i did not complain to the feds. I am still paying off my balance on the AARP that was shut down in April. Got another chase card after being shut down, before having the points reimbursed. they did ask questions about the AARP (when did i plan on paying it off?) before they approved me for another.
That is good news. I haven't tried to apply for any chase cards for fear of a hard pull and denial. Chase has the best sign on bonuses so I hope I am not banned for life. Wouldn't be worth it for the meager amount I received from the AARP. So who's got some guts and is willing to fire off a new app with Chase tomorrow and let us know how it goes .
I got my AARP card shut down in September. Paid balance off by March. Got my rewards without complaining.
How about people who had all other Chase cards closed simultaneously with AARP, has anyone received those non-AARP rewards so far? It seems that complaining to FCPB is not correlated with receiving or not receiving forfeited rewards back.
It seems that almost all of those that complain to the FCPB get their confiscated AARP reward $ check. However, there are a few who don't complain to FCPB and magically get their AARP reward $ checks too. Therefore, it seems that there is no reason not to complain to FCPB regarding this issue.
It seems that almost all of those that complain to the FCPB get their confiscated AARP reward $ check. However, there are a few who don't complain to FCPB and magically get their AARP reward $ checks too. Therefore, it seems that there is no reason not to complain to FCPB regarding this issue.
Complaining to FCPB may reduce the likelyhood of getting approval on future Chase applications but I do not think we have the data points to be sure about that yet.
jameshasty said: sloppy1 said: I disagree! It seems that almost all of those that complain to the FCPB get their confiscated AARP reward $ check. However, there are a few who don't complain to FCPB and magically get their AARP reward $ checks too. Therefore, it seems that there is no reason not to complain to FCPB regarding this issue.
Complaining to FCPB may reduce the likelyhood of getting approval on future Chase applications but I do not think we have the data points to be sure about that yet.
All my Chase cards were closed in January. Letters cited high balances and too many open accounts. The dreaded "Use not as intended" was not listed on any of the closure letters. Because of this, I did not pursue my 6 figure in points in hopes I would not be placed on the blacklist.
Applied for a Chase card about 1.5 weeks ago and received a denial letter stating "Previous unsatisfactory relationship with this bank". I immediately filed a CFPB complaint to recoup my points since I am most likely blacklisted anyway. Hopefully Chase has a short term memory when it comes to being abused.
It seems that almost all of those that complain to the FCPB get their confiscated AARP reward $ check. However, there are a few who don't complain to FCPB and magically get their AARP reward $ checks too. Therefore, it seems that there is no reason not to complain to FCPB regarding this issue.
Complaining to FCPB may reduce the likelyhood of getting approval on future Chase applications but I do not think we have the data points to be sure about that yet.
That would be retaliation for filing a govt complaint , which is illegal.
SUCKISSTAPLES said: jameshasty said: sloppy1 said: I disagree!
It seems that almost all of those that complain to the FCPB get their confiscated AARP reward $ check. However, there are a few who don't complain to FCPB and magically get their AARP reward $ checks too. Therefore, it seems that there is no reason not to complain to FCPB regarding this issue.
Complaining to FCPB may reduce the likelyhood of getting approval on future Chase applications but I do not think we have the data points to be sure about that yet.
That would be retaliation for filing a govt complaint , which is illegal.
I would LOVE to go after Chaze for doing this, but how would you prove that their denying future cc accounts was in retaliation for your federal complaint against them?
Or, say, that Chaze closed all your existing cc/bank accounts shortly after filing your federal complaint. Coincidence or retaliation?
Has any one converted an AARP card to a Freedom Card?
The 3% on travel would be okay except I have plenty of other travel rewards perks. I'd like to pick up Freedom for its spending opportunities than the $100 bonus that is out there. Also, if I could retain the credit history from the AARP card, and/or skip the hard pull that would be nice.
fitallvb said: jameshasty said: sloppy1 said: I disagree! It seems that almost all of those that complain to the FCPB get their confiscated AARP reward $ check. However, there are a few who don't complain to FCPB and magically get their AARP reward $ checks too. Therefore, it seems that there is no reason not to complain to FCPB regarding this issue.
Complaining to FCPB may reduce the likelyhood of getting approval on future Chase applications but I do not think we have the data points to be sure about that yet.
All my Chase cards were closed in January. Letters cited high balances and too many open accounts. The dreaded "Use not as intended" was not listed on any of the closure letters. Because of this, I did not pursue my 6 figure in points in hopes I would not be placed on the blacklist.
Applied for a Chase card about 1.5 weeks ago and received a denial letter stating "Previous unsatisfactory relationship with this bank". I immediately filed a CFPB complaint to recoup my points since I am most likely blacklisted anyway. Hopefully Chase has a short term memory when it comes to being abused.
IMHO the original idea of walking away from a six figure point balance that you earned does not make sense in the worry about a "blacklist" The money is worth more than that and there are many other card companies out there. Unsatisfactory means that you paid your bills on time and earned alot of points in the process. Unsatisfatory would mean you got the card caried a balance of 10-20K and paid min paymnents on time for a few years . Rob
i just got a targeted BT offer for my AARP card. 2%fee capped at $250, 0% APR until 10/2013. I'm going to pull out $19,500 for the next year and hope for the best!
I still haven't got my low 5 figure confiscated points returned despite fighting this Chase abuse in every way cited in this thread. My only option now is small claims lawsuit or the inevitiable class action lawsuit.
Chase shut down both my AARP card and my Freedom card in September.
I had more than $500 or rewards that I would have gotten in the last month if my card was not shut down.
I did call Chase to ask why they closed the cards and to reconsider but did not take any further action.
In June (give or take a month) I got a check for $600 and a letter from Chase saying that even though they did not believe that I earned the rewards they were paying them as a show of good faith.
On 8/2/12 I applied for the Chase Slate card. Yesterday I received an e-mail telling me that my application was approved and my Slate card is on its way.
jameshasty said: In June (give or take a month) I got a check for $600 and a letter from Chase saying that even though they did not believe that I earned the rewards they were paying them as a show of good faith.
Did someone from Chase sign your letter and provide a telephone # or other contact info?
zxx7x said: jameshasty said: In June (give or take a month) I got a check for $600 and a letter from Chase saying that even though they did not believe that I earned the rewards they were paying them as a show of good faith.
Did someone from Chase sign your letter and provide a telephone # or other contact info?
I have the document but will need some time to search for it.
Most customer service documents I received from Chase in the past had the same signature as the letter.
When I saw the name I remembered seeing the same name on other Chase correspondence over the last few years.
Here is a data point that I think should apply to anyone going back to Chase or whatever. My only really negative dealings with any card company has been Chase. Going forward anyone that gets a Chase card for any promo reason or whatever- Never go over your credit limit per card cycle. So if you have a 10K limit only spend 10K max per billing period. Any time you pay and recharge, Chase views this as risky activity. They have been like this for many years.
Chase shut down both my AARP card and my Freedom card in September.
I had more than $500 or rewards that I would have gotten in the last month if my card was not shut down.
I did call Chase to ask why they closed the cards and to reconsider but did not take any further action.
In June (give or take a month) I got a check for $600 and a letter from Chase saying that even though they did not believe that I earned the rewards they were paying them as a show of good faith.
On 8/2/12 I applied for the Chase Slate card. Yesterday I received an e-mail telling me that my application was approved and my Slate card is on its way.
DATA POINT:
CHase closed down all my credit card accounts 8-10 months ago. Last app was 6 months ago and was denied.
Applied for a BUSINESS southwest card 10 days ago. Approved and activated the card.
That is good news. Hopefully it wasn't because it was a business card that I was accepted. I love chase and hope I am not forever blacklist.
i3ighead said: jameshasty said: Here is a data point.
Chase shut down both my AARP card and my Freedom card in September.
I had more than $500 or rewards that I would have gotten in the last month if my card was not shut down.
I did call Chase to ask why they closed the cards and to reconsider but did not take any further action.
In June (give or take a month) I got a check for $600 and a letter from Chase saying that even though they did not believe that I earned the rewards they were paying them as a show of good faith.
On 8/2/12 I applied for the Chase Slate card. Yesterday I received an e-mail telling me that my application was approved and my Slate card is on its way.
DATA POINT:
CHase closed down all my credit card accounts 8-10 months ago. Last app was 6 months ago and was denied.
Applied for a BUSINESS southwest card 10 days ago. Approved and activated the card.
That is good news. Hopefully it wasn't because it was a business card that I was accepted. I love chase and hope I am not forever blacklist.
I would not have let them get away with the $500. However I think over time you can get another card as you have shown. Just be careful in that the same thing can happen happen if you hit the radar screen for them
One of the benefits of the AARP card was 0% interest on purchases for a year, which probably led to a lot of us ending up with large balances on the card.
I inquired of them as to when the 0% interest was over and got the following:
"This introductory 0.00% Annual Percentage Rate (APR) for your purchase balance will expire on 10/24/12. After the expiration date, any remaining portion of the introductory balance will be assessed interest at your standard variable APR of 16.24%. This APR is the standard rate for your account."
As I understand the rules, the interest on the account would start accruing at 0% on that day (if they got the day right). Oct. 24 is the due date for the Sep. statement. The next statement would close on or about Oct. 27, and if the balance was not paid off by the due date on the current Sep. statement of Oct. 24. I would owe interest from Oct. 24 on the rather large unpaid balance.
I am a little puzzled by the interest starting to accrue from due date, rather than from some date they considered the card as being opened, but due not have the exact language handy.
Anyone have any thoughts on the optimal strategy for paying off the (large) amount owed without paying them any interest?
I wouldn't try to squeeze out the last few days of the 0% period. My statement says "Introductory Purchases expires 01/2013", and I'm going to pay it off in 12/2012.
ProfessorEd said: One of the benefits of the AARP card was 0% interest on purchases for a year, which probably led to a lot of us ending up with large balances on the card.
I inquired of them as to when the 0% interest was over and got the following:
"This introductory 0.00% Annual Percentage Rate (APR) for your purchase balance will expire on 10/24/12. After the expiration date, any remaining portion of the introductory balance will be assessed interest at your standard variable APR of 16.24%. This APR is the standard rate for your account."
As I understand the rules, the interest on the account would start accruing at 0% on that day (if they got the day right). Oct. 24 is the due date for the Sep. statement. The next statement would close on or about Oct. 27, and if the balance was not paid off by the due date on the current Sep. statement of Oct. 24. I would owe interest from Oct. 24 on the rather large unpaid balance.
I am a little puzzled by the interest starting to accrue from due date, rather than from some date they considered the card as being opened, but due not have the exact language handy.
Anyone have any thoughts on the optimal strategy for paying off the (large) amount owed without paying them any interest?
My strategy was to contact them via secure message, as you did. They basically told me the same so I scheduled the full balance to be paid 2-days before the statement due date.
Just a reminder for anyone who didn't get all their 5% rewards or got a letter closing the card for "use not as intended" to file a cfpb complaint ASAP while it's still being investigated
Cfpb just slapped AMEX with a $85 million fine for deceptive advertising on a cc promo
SUCKISSTAPLES said: Just a reminder for anyone who didn't get all their 5% rewards or got a letter closing the card for "use not as intended" to file a cfpb complaint ASAP while it's still being investigated
Cfpb just slapped AMEX with a $85 million fine for deceptive advertising on a cc promo
The chase action is far more egregious and every person negatively affected should report it
Suggestions on next steps??
This is an update about your complaint regarding Chase we received on 07/31/2012 12:44 AM.
We forwarded your complaint to Chase for review, and asked them to consider the resolution you requested and respond within fifteen days. Chase reviewed your complaint and the resolution you requested and responded on 07/31/2012 12:44 AM.
A Specialist in Consumer Response reviewed your complaint, including your indication that discrimination may have occurred, based on the federal consumer financial protection laws within the CFPB’s authority. After that review, we have concluded that Consumer Response will not take additional action on your complaint at this time.
We hope you understand that the CFPB does not represent individuals in legal matters. Our disposition should not be considered to be a determination with respect to the validity of your complaint. If you believe this does not resolve your complaint, you are of course free to contact a private attorney about this matter or file your own case in court.
We take consumer complaints very seriously and are grateful for the information you have provided throughout this process. Consumer complaints inform us about business practices that may pose risks to consumers and help with the CFPB’s supervisory, enforcement, and rulemaking responsibilities.
Hearing from engaged and proactive consumers like you is critical to our mission. With this correspondence, we are closing your file on this matter within Consumer Response. Please feel free to contact the CFPB if you need help with another consumer finance matter in the future.
Thank you, Consumer Response Team
Consumer Financial Protection Bureau consumerfinance.gov (855) 411-CFPB (2372)
What was your complaint ? Their response mentions discrimination . Did you claim age or racial discrimination ?
Complaints should be based on false advertising , bait and switch , breach of contract - those types of complaints seem to do Better than unpaid rewards or discrimination Complaints
Sesq said: Has any one converted an AARP card to a Freedom Card?
The 3% on travel would be okay except I have plenty of other travel rewards perks. I'd like to pick up Freedom for its spending opportunities than the $100 bonus that is out there. Also, if I could retain the credit history from the AARP card, and/or skip the hard pull that would be nice.
I finally got around to trying and the rep tried to make the conversion but said the computer would not let them do it. He suggested I go ahead and apply. Oh well, add to the list for a future round, but I am leaving Chase alone at the moment.
chasecheatedme said: Yes discrimination was part of the complaint.
I guess I will go ahead and resubmit a complaint based on your guidance. Hopefully its not shot down and concluded as already addressied. I think you will be grasping at straws filing a second complaint after your first was denied . Update your existing complaint with any additional information you have . Simply making the additional allegations without substance will not help you.
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