Consumer complaint received 2020-09-06
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have submitted numerous CFPB complaints about JP Morgans failure to service my checking account, yet the account continues to be plagued with problems with no one to reach to correct them. Following is further documentation of the same. 

JP Morgan widely advertises a service to transfer money electronically. The service is called XXXX. I have tried many times to use XXXX, but can not because something on my checking account has blocked it and, as is habitually the case for this account, short of hours on the phone, an undue burden on me, there is no one to call to straighten out its many problems. Please check many previous CFPB complaints about JP Morgans failure to service this account and force it to provide me with the name and full contact information for one person at its main address where the account is held ( in NYC ) who can be reliably reached, who will be responsible for servicing this account and correcting all of the recurring problems that plague it. JP Morgan dumping the endless problems of this account onto a musical chairs of, an ever-changing array of different people in the XXXX, Texas, XXXX, and more, as documented in previous complaints, should not be tolerated by the CFPB. What JP Morgan has been allowed to get away with for years clearly is dysfunctional, unfair, deceptive and abusive. 

When I have tried to set up XXXX recipients through online banking in the last week or so, I keep getting messages that claim I have no cell phone. Yet the cell phone number ( XXXX ) has been entered and is even listed in the pages that appear to establish XXXX recipients. Changes I recently made in my profile that deleted an old number ( XXXX ) have not been made on my profile, yet the cell phone number that I added at the same time was added to the account. This indicates that JP Morgan arbitrarily manipulates personal information in the profile area of this account and changes what I enter directly through online banking. An integral part of this ineptitude and petty harassment is that there is no one who can be called reliably, in a reasonable amount of time to correct the endless, habitual problems on this account. 

I am unfairly, deceptively, abusively, and repeatedly denied advertised functions on the account XXXX most recently, wire transfers, external transfers, XXXX transfers, and having had a check not credited until over a week or more after it was deposited ) on this checking account. 

The CFPB needs to force JP Morgan to provide one specific individual at one specific location who can be reached with reasonable effort within a reasonable time frame who can solve the many dysfunctionalities on this account. It should also sanction JP Morgan effectively for failing to provide widely advertised services for years on this account. 

The CFPB should compare the multitude of problems I and the other holder of the account have reported across years and compare our treatment to those of other JP Morgan account holders. If most other JP Morgan account holders are treated as badly, that is one problem ; if most are not treated as badly, JP Morgans behavior should be investigated for the retaliatory practices it probably is.

Company response to consumer: Closed with explanation