Consumer complaint received 2020-04-14
Company: JPMORGAN CHASE & CO.
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I closed my Amazon Prime Chase Card in XX/XX/XXXX after having Chase for a " very '' brief time ... Because they quickly revealed they are the WORST experience with a credit card company, I have " ever '' had, They would take " 27 '' days to post payments to account ... They boast how they are there for you and you have " zero liability with Chase and fraudulent transactions '' Every Support Rep would share this spiel ... 

HOWEVER - NO- When I had fraudulent charges that were illegitimate on my account and not authorized by me ... Chase `` refused '' to do right by me. 

So, I paid OFF my card and CLOSED my Account. 

And I then started getting a bill for {$5.00} - I called Chase and their Customer support Rep agreed I did no have any more balance and that XXXX was not showing as owed on my account. 

I got " another '' bill - NOT only for that {$5.00} that a Chase phone Rep verified I " DID NOT OWE '' and my Account was " paid in full ... 
BUT - ALSO NOW - LATE FEES AND - Chase is affecting my credit score and record .... Because Chase is an INCOMPETENT Company! 


They're harming my credit score AND showing me as delinquent on this NOT-OWED {$5.00} fee. 

I am not going to pay something I don't OWE- out of PRINCIPAL - because CHASE " Sucks '' frankly. 

They were SO bad - I went all the way up to Executives - Execs - JUST as LOUSY - With their detached from giving a XXXX about a customer 's experience and relationship - Or that a consumer ALREADY lost LOTS of time due to issues impacting me from their false claims and lacking. 

I was assured my bill was all clear- I even called and followed up on that {$5.00} charge to make sure it showed " PAID '' and I owed NO more. Rep CONFIRMED I owed no more on my account and it is closed. 

MY credit is being impacted by this charge Chase continues to show on my bill They're now saying was from a dispute that they came back to I owe it - From Amazon- How convenient they ARE in bed together with this credit card ... That once again- a charge that was not legit- they didn't back me on. 

I just called and paid this fee - I shouldn't have had to. 

It is not right that the way Chase chooses to run their business, detrimental impacts consumers and credit scores even- As Chase has done. 

What do I do to get this knock on my credit due to poor character and business methods of Chase, that have impacted me. 

I shouldn't have had to pay that {$5.00} " AGAIN '' either - WHERE did the first {$5.00} I made a point of paying off, go???? 

And now I paid interest in addition. 

27 days to post payments - Isn't that a bit absurd??? 

XXXX XXXX and XXXX post payments the next day. 

Chases timeframe says to me they are " holding '' my funds ... For a longer period of time, to INCREASE their profits via interest income. 

Multiply every day they don't post Consumer 's payments- 8 interest earned x AMOUNT of Consumers they pull this tactic with. 

Not to mention all the other inconveniences and detrimental impact Chase imposed on OUR managing OUR money and bills and credit. 

How do I get their knock off my credit report. 

Someone needs to investigate Chase - I'll be happy so forward my email communications from when I was told Chase will always stand behind me with illegitimate transactions ... And ended up losing hours and hours and days and days- trying to get things made right and up agains frustrating Chase experiences with even their Reps - And the Email communications and responses I finally sent to Execs when I " had enough '' of going round and round with those that are just doing jobs, according to higher ups designed protocols. 

Big wigs in big corps - Too many selling out conscience, care, presenting false marketing images - Is out of control in this country. 

The fact I am filing a complaint over now {$5.00} and my credit impacted for this amount ... 

Should reveal some value of importance to FTC questioning who else, as consumers, beyond me ... Are being unfairly and detrimental impacted because Chase has a lousy corporate and customer strategy. 

I want their knock off my credit. It MATTERS - I spent the last 12 years pulling out of life a busy and immense debt imposed on my by corrupt XXXX, CT government that no one in America would handle - Witnesses and Evidence ... EVERYWHERE - They made me broke, homeless, violated all my rights, the law, the constitution - forced me to plead guilty when " I '' have been the victim since " XXXX '' I'm writing a book- is the only way to get justice in America , when you are a XXXX  American Mother that is forced to be without money and does not have connections to people bigger than corrupt govt. 

I pulled myself out of EVERYTHING I never deserved - busting my XXXX to make sure scum doesn't define me and no longer darkens my or my children 's life. 

I ' ve illegally missed everything in my son 's life - Since Mother 's day XXXX Missed everything now - Corrupt Good Ol' Boys - Can of Snakes- No one wants to handle or expose - child abuse made possible by govt scum. 

I want my credit reflecting ME - Not one more entity that is self centered, incompetent, disingenuous and choosing to be careless. 

Unbelievable what money buys to continue in this country- Is hurting all the good people and everyone in our society IS paying for what is not right in EVERY direction - including the Banking Arena that lacks as much integrity and ethics, as too much government. 

Thank you for your time. 
I'll be happy to forward my Chase exec communications and their -lazy response. 

Best Regards, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation