Consumer complaint received 2021-06-02
Company: JPMORGAN CHASE & CO.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In retaliation for filing a complaint with the comptroller of the currency, Chase bank has sent me repeated harassing, and abusive calls, emails and letters demanding varying amounts of money if I don't spend my own time any money to help Chase clear their complaints with various federal regulators. The calls and messages have been getting increasingly aggressive and No less than 2 people from the executive office have called and the last time they called it was to inform me that they were not lifting the 'special hold ' they had placed on my check and were refusing to cash it or deposit it, instead withholding my money ( cash or deposit ) unlit I helped Chase dismiss my complaints. The executive team member demanded I bring in my proof of Chase 's wrongdoing ( that I had included a copy of in my previous CFPB complaint ) " to any branch '' so they could mark it up and destroy it. It was clear their entire aim was to get my complaint dismissed by destroying my only piece of evidence that this was Chase 's error. When I asked to make clear that Chase had called me and Chase was refusing to cash or deposit my check, I was abruptly hung up on and the very next day Chase retaliated by reporting a 400 % over-utilization and a delinquency to every credit reporting agency, despite keeping my money held up, in the middle of their own internal investigation. 

On my most recent interaction, Chase bank called me on a recorded line and after being told the call was an attempt to collect a debt, I offered to pay the debt in full. Chase XXXX who makes more money the longer I'm delinquent ), became upset that I wanted to clear my debt on the spot and refused to accept my payment. After being transferred to a decision maker at the supervisory level, It was made clear to me ( on this recorded call ) by Chase that my payment was being refused because I no longer owed the debt and my credit would be restored. It was my understanding that because I was talking to a supervisor, that Chase was alerting me that the investigation into my previous CFPB complaint had concluded that Chase was wrong and that my account was being adjusted accordingly. I was hung up on again after insisting I pay my debt in full that moment. 

I could not pay online or directly from my account because Chase is still putting a " special hold '' on my deposits ( Chase told me nearly a month ago that if the " special hold '' was lifted, my money would be available in my account within XXXX business days ) and I can not pay over the phone because chase keeps refusing payment and hangs up on me when I try to pay in full. Then I get another notification, or email or letter the next day or say claiming I owe even more money for not paying. Every person I talk to makes it clear to me that this is not a normal situation and that something irregular at Chase is occurring, but every time someone realizes the error is on Chase 's end, that's the last I hear from that person. I've been ducked by by Chase 's executive team, branch managers, call center reps, supervisors, attorneys, and more. 

This can not be coincidence and is clearly retaliation.

Company response to consumer: Closed with explanation