Consumer complaint received 2018-01-09
Company: JPMORGAN CHASE & CO.
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I AGAIN have to resubmit a complaint regarding Chase Auto. This is now my THIRD escalation to the CFPB regarding this matter. Chase Auto continues to provide responses that are inaccurate and untrue. Additionally, they are not responding in full to my concerns or providing any resolution. The two responses provide feedback that contradicts what the other one says. I want to break this down in hopes that I get a true and honest response from Chase. It is concerning that these responses are coming from on executive level office and have this many inaccuracies. 
In my response from Chase, I request that they number their responses to correspond with my numbered concerns in order to ensure that they have addressed each matter in full so that I can stop running on this hamster wheel they have put me on. 
1-In the letter from Chase dated XX/XX/XXXX they state that my XXXX account is neither a demand deposit or checking account. So, they are unable to pull the payment from that account. In my escalation back on XXXX/XXXX/XXXX I provided my XXXX statements that PROVE that Chase has historically pulled my payments from this account. My XXXX account is both a demand deposit and a checking account. My payroll is direct deposited in this account. Additionally, all my bills are pulled by other companies ( much smaller than Chase ) directly from this account. There have been no issues. Then in Chase response dated XXXX/XXXX/XXXX they stated that the do not accept direct check payments from online banks. Again, I am submitting the proof that they DO.  There is no reason for this. My account is a BANK account ; it has an account number and a routing number. By failing to accept direct payment from my BANK account you are causing me financial harm. Please advise why Chase ( who has pulled payments from this account historically as shown in enclosed bank statements ) is now claiming they dont? Now when I called Chase bank they conveniently offered to sign me up for a bank account with Chasenow isnt that just a coincidence?? NopeI think you are refusing my payment to try to earn money both on my interest and by forcing consumers to open bank accounts they dont want. That is a no no! Please advise in your response to me, why you have historically pulled payments from my XXXX account as proven and why you are stating you dont? Why is there a contradiction here? Additionally, please advise why Chase refuses as I have bills from XXXX, XXXX XXXX, and all my major utilities pulled from my bank account with no issues. And you have had no issues in the past either. This seems to be an excuse to cover your refusal to take my payment in order to charge me more fees. 
2-Chase states in the letter dated XXXX/XXXX/XXXX that XXXX XXXX XXXX is affiliated with XXXX XXXX  XXXX. FALSE!!! It is a CREDIT UNION!!!!! A credit union by definition is NOT A BANK!!! Nor is it affiliated with a bank. If you were using a routing number that got you to XXXX XXXX than you were using the wrong routing number, NOT the one I provided you and confirmed at minimum 5 times over the phone with your representatives. You are obviously doing something incorrectly and refusing to be accountable for it. 
3-Chase states in the letter dated XXXX/XXXX/XXXX to contact them once I make my payments. HOW DO I MAKE A PAYMENT? They refuse to draft from my XXXX XXXX account anymore, they claim my Credit Union account is a XXXX XXXX XXXX account ( it is not ), and the last time I had to XXXX XXXX a payment, which is wrong, I shouldnt have to pay more to try to make a payment that Chase cant seem to handle pulling even though historically they always have. Please advise. 
4-There will be NO negative credit reporting on this otherwise there will be a lawsuit. I am TRYING to make payments and Chase making excuses and telling lies to drag this out and make more money is maddening. But I am not paying fees for XXXX XXXX and/or money orders for this as I have two bank accounts that are more than acceptable and historically Chase has pulled from. 
5-Chase did not provide a response to my reimbursement for the XXXX XXXX payment I had to make. I want reimbursed for this.

Company response to consumer: Closed with explanation