I’ve received two 1099 MISC for $500 and $100, respectively. I have gone through a lot of blogs/threads, but have seen nothing resembling my issues, so I am adding this experience tothe mix. BTW, I have spoken with Chase customer service reps and even the 1099 reps, and it is indeed an endless loop of ignorance. EG, when I ask the 1099 rep to explain what the listed amounts are for, I will be told that they don’t have the records on my account and that I will have to talk to customer service. Customer service in turn knows zip and just wants to get rid of me, so they transfe me to the 1099 rep, who seems to be based in India. Of course,they know squat about US tax law.

So, the $500 “income” was from a Freedom Unlimited card. I got the card in August 2016 by downgrading a Sapphire Preferred card (to avoid the annual fee). I have never made any referrals or received any rewards. I transfer all points earned on this card to CSR.

The $100 was for a different Sapphire Preferred card that I closed about a year ago. I had it for less than a year and never used it after meeting the spending requirement for the 50K sign up bonus. The rep I spoke to told me (believe it or not!) that since the account was closed, they no longer had any records to provide, including any information on when the account was opened.

I did file a complaint with the CFPB on the $500 item. The bank’s response was very desultory, like an assembly line response. They claimed the $500 was for a “reward”. They provided no specifics, just an attachment of “terms and conditions.”