Consumer complaint received 2019-08-13
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX or XX/XX/2019, I called XXXX XXXX Court House in XXXX XXXX California to request a fee amount for my filing. I called the Clerks office. I spoke with a lady that told me the only fee I would be paying was a fax fee of XXXX cents per page. The amount came out to {$6.00}. I did not include the correct expiration date on my form so the card was not charged and the form along with the breakdown of the fees of {$6.00} was mailed back to me asking me to include the expiration date. I received this letter XX/XX/2019. That same day or maybe the following day I sent the same exact forms, only this time I included the correct visa card expiration date. about an hour or 2 later I check my account to make sure theXXXX went through this time. I had a transaction from XXXX XXXX court but it was not for the amount I was given that was the amount that was also mailed to me in a break down. Instead of being charged the {$6.00}, I was charged a whopping {$430.00}.

I called the clerks office and was told I had to pay a " first time filing or response fee ''. I explained to the clerk that this was not my first time filing anything. My case is probably over 10 years old, I have been filing responses for several years. I was told this was a new fee that they started charging and in the clerks own words, " I don't know why they don't warn or tell people about this fee before they charge it. '' I live in Nevada, this court is in California. I tried to argue with them telling them that I never authorized this fee, I was given an amount both verbally and on paper and was charged a lot more.

Since the court would not cooperate, I filed a complaint with my bank, CHASE. I opened a claim with them, they refunded my fee and did their investigation. My claim was denied. After calling CHASE to ask why my claim was denied, I was mailed the papers that the court provided the bank with to " prove '' that the transaction was correct. What they sent to me was a receipt or transaction slip ( that I never got and did not have my signature on it ) along with the exact form I sent them with my card number and expiration date AND their own breakdown of the fees ( I never received this breakdown from the court and I was never told I owed or had to pay this fee before being charged the {$430.00} ). I also received a letter that clearly states I was charged this fee without being notified. the letter states as followes " In addition because you never filed a Response or paid 1st Response fee, your card was charged for the Response fee and the fax filing fee. '' this is clearly stating that I was charged without FIRST being notified that I had to pay this fee.

I called chase again and was asked to send in what I have that proves the transaction was incorrect along with a letter explaining why I feel this transaction is an error. I did so, and about a week maybe 2 weeks later on XX/XX/2019 I received another letter from CHASE letting me know once again that my claim was denied.

I feel that the bank is violating the FDCPA rules. I did not authorize this transaction, the bank has proof that I did not authorize the transaction and still denied my claim. Once again, I given the fee of {$6.00} both verbally and in writing. The {$430.00} that was charges was never once mentioned until after it was charged. this is in violation of the FDCPA.

Company response to consumer: Closed with monetary relief