Consumer complaint received 2019-05-23
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX, I applied and received an Amazon Rewards Credit Card from JP Morgan Chase Bank. I wanted the card solely for purchasing products from Amazon online,  as they offer points for purchases. At some point after receiving this card, I misplaced it, and called to cancel and receive a new one. I signed up for autopay for my monthly payments, trusting that my identity, and account number was safe. Fast forward to XXXX, out of curiosity, I checked on my statements, and noticed that Chase Bank was charging me unwarranted cash advance interest charges which is why my balance barely changed! Ive never used this card to get actual cash, so upon trying to contact the customer service, and spending the better half of the day, being transferred between several departments, I was told that the CSA just wanted to get rid of me which is why I was being transferred. Trying desperately to find out why I was being charged for cash advance interest charges for cash advances I didnt make, the CSAs continued to transfer me back and forth, until I spoke with a young woman who admitted there was an error. She said she did not see any cash advances on my account, so they connected me to the security department, where I was told there would be an investigation. 

While the bank performed a cash advance interest reversal ( retracted last years interest charges ) they still continue to charge me! When I finally heard from the investigation associate, she fabricated that I supposedly made a cash advance at 2 separate ATM machines just after I received the card in XXXX?? I told her that I was never in one of the towns where this cash advance supposedly occurred, nor had I made cash advances! She also told me that even if I had made a cash advance, back in XXXX, I shouldnt be getting charged 12 years later ; it would have been paid off way before XXXX. I continued to write to Chase Bank, and pleaded with them to stop tacking on unwarranted charges to my balance, to which they ignored me for about two weeks, and finally, I received a phone call today, and was told that the cash advances were made inside the bank to which I corrected her saying that I was told 3 weeks ago, by another investigator, that these charges were made at an ATM, and now the story is changing to someone went inside a bank branch to take money using a credit card. 

To be completely honest with you, I had no idea that you could use a credit card inside a bank or at an ATM machine to get cash ; I wouldnt have known this 12 years ago and I only found this out a few months ago in XXXX. I also made several requests for CCTV footage from said banks, but of course, there would be no proof of this 12 years later. How convenient for Chase! They chose XXXX, because they knew there would be little proof! 

Something is very wrong here ; I dont get up every day and work hard, so that J.P. Morgan and Chase Bank can contradict my payments like this. They flat out lied to me and think Im stupid enough to believe that I forgot about taking money out against a credit card? Whats wrong with Chase bank just admitting the error and rectifying it, by reimbursing my card, instead of fabricating lies. Out of curiosity, I researched online to see if anyone else had experienced this issue, and discovered that JP Morgan Chase had been sued several times for charging Cash Advance Interest Fees. I wasnt at all shocked. 

As someone who worked in XXXX  and XXXX for XXXX, I know for a fact that many of these associates work on a commission. Ive been making my monthly payments on time, and when I can I make more than the minimum, via autopay. Apparently, theyve become desperate ; conjuring up some cash advance in XXXX, and still charging me interest in XXXX.

Company response to consumer: Closed with explanation