Consumer complaint received 2022-04-05
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Thank you, I was so happy visiting your web site and understanding that you address : Checking and Savings Accounts, Credit Cards, Credit Repair Services, Credit reports and other personnel consumer reports, Money transfers and money services, Student Loans For right now all of those are involved in a dispute between myself and some stealthy person at Chase Bank ( aka ). Credit Card Services, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( sometimes ). 

One can see from the two differing letterheads ( attachments ) that sometimes these people want to be known and sometimes they are undercover. In no case was there anyone who actually dared sign the letters. I think that speaks highly for our corporations and whom they employ-dont you? 

In order that one might better understand the history ; I include a copy of a letter from the clandestine works at Chase dated XX/XX/2022, follow with a really mean one dated XX/XX/2022. One will notice that I always try to follow the date protocol understanding that some of us are... 

Now, one will notice the threat in the letter dated XXXX XXXX in which all of my accounts ( including some that I dont even know about ) ARE CLOSED AND CAN NEVER BE REOPENED- ah so! OMG! 

I can only trust and know that the decision, to wit, is mutually agreed upon though I was not a part of the mutuality. One has to understand and know the power, the arrogance, and the absolute control that people making this decision ; have and please understand I know no one at Chase. 

Please note that the research done in closing the accounts was not very thorough, in that mortgage accounts, auto loans, etcetera are not known ; but in spite of my horrendous behaviorI can still make those.My XXXX, I am so lucky-no? 

Most of the remaining letter is incomprehensible and so I did not spend a lot of timeI am sure one can understand! It is at this point, that I would like to call your attention to the letter of XX/XX/2022. I believe that the substance of this letter is responsible for everything else and so I explain : On or about XX/XX/2022 I made a call to Chase Credit Cards wanting to consolidate debt. The consolidation consisted of about {$1600.00} from XXXX and about {$5000.00} from an account with XXXX  XXXX XXXX All perfectly normal and common ; except for the poorly trained individuals at XXXX in the XXXX  As matters turned out, a request made for consolidation on the same day and at the very same time ended up being two differing outcomes.. The first, {$1600.00} was made at 0 % APR ( not quite there is a one time charge of about 4 % ). The other {$5000.00}, was at an 8.4 % variable rate. So, at my first billing what I owed was excessive and I promptly called Chase. Of course, when one calls Chase these days, one waits for hours and hours. However, I did luck out and instead of XXXX ; I was connected to XXXX, XXXX. I explained to XXXX XXXX XXXX ) and he agreed to look into the disaster and see what could be done. Amazing-fees and costs were corrected! 

So, at that point, I thought everything would be all right, but I still felt uncomfortable about the lack of customer service skills or training in XXXX, I seldom get anything else but XXXX on the telephone, and with the arrival of the XX/XX/2022 letter I took advantage of another opportunity at XXXX. I trust XXXX and took advantage by transferring the screwed up mess to them. 

As I explained earlier, I do not know the reason for the lack of training of Chase employees in XXXX. Chase is not the same company they were pre-pandemic ; now they have lousy service waiting and waiting for someone at home to answer telephone and then I get a letter like the one of XX/XX/2022. I am truly offended : I was never late never a credit question-nothing- Then this XXXX or whatever closed all my accounts for ever and the XXXX  even thinks that he, him/she, her can consider student loan payments as a part of credit evaluation. I have almost always been on Income-Based-Payment schedules and when payments resume in XXXX I expect that nothing will have changed! 

This has been a very stressful experience. I really believe that someone at the clandestine operation that keeps sending out letters, owes me a really big apology. 


Sincerely, XXXX XXXX XXXX ( I am not afraid to sign my name ) Attachments : 1. Prior Submission XXXX XXXX to CFPB. ( XXXX ) 2. Credit Card Services XXXX XXXX/XXXX/XXXX  3. Credit Card Services XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation