Consumer complaint received 2019-02-23
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
It started when I requested to lay off my chase bank credit card ending in XXXX and send them the payment and they acknowledged receipt of it still they overcharged my account with interest and confiscated against my will my funds that supposed to be returned to me as I requested it. Chase credit card services payment processing department, or whatever they call it, Delayed processing the payment, so I called them about that back in many weeks ago. They say that maybe the payment check was lost by them. They added tell your xxx bank to fax them the back and front of the check. I called that xxx bank, which is my from where I sent them that amount to pay off my chase credit card XXXX, and when I told my xxx bank what chase bank instructed me, they were surprised and told me that they dont do that ... ..etc and they added wait few more days then xx bank would process of finish process stop payment ... etc for the {$2800.00}. So I would avoided paying or charged by chase more interests for everyday that payment is not showing, I used my other and third bank and I sent chase credit card services {$2800.00} to pay off same above chase credit card account XXXX. Then suddenly chase had two {$2800.00}. Chase card services resisted to issue credit back to me. Chase card services used that extra {$2800.00} without my consent and abused and still I have no idea where it is but one thing they confirmed is that if even received by me it will be lot shorter than {$2800.00} in addition to interest been charged deceptively too to my chase credit card account XXXX. That chase credit card XXXX full number will be attached to this complaint .It is my understanding now that Chase bank credit card services chose to retaliate against my person or be part of blacklisting my personal information for no reason and it is unlawful anyway. From first week of XX/XX/2019 to todays date XX/XX/2019, chase bank abused a credit of {$2800.00} that it should be returned to my person in a check. For the third month, chase bank not only confiscated the funds totaling {$2800.00} illegally against my will, chase bank charged my account interest and never sent me the check with the above credit amount to the date of this complaint XX/XX/2019.abuse,  discrimination and retaliation were the appearing chase banks Violations toward my person in violation of consumer rights such AS BUT NOT LIMITED TO rights asserted by CFPA and civil rights. I called many times to fix the issue and the final time was today XX/XX/2019 giving chase bank credit card services last chance to correct its deceptive and unethical banking practices against my person and they refused. This complaint has the recording of the cal that I made today to chase bank. Even a recent refund of over {$600.00} from canceling my flight was also abused ( see attached files ). You will see the date of the transactions. I have more privileged related files and audio to use at any time necessary and I see it needed. Any future retaliation by this bank will be expose to public so stop harrassing me and refrain from any blacklisting or retaliation or face public opinion and justice in courts. You are not above the Law.do not invade my privacy at anytime as I noticed you also today in a different call. All stated herein is to the current state of my belief, knowledge and understanding and it is subject to anything or any correction at any time without prior notice and by my person only and without waiving my rights under any circumstances. This credit card services deceptive banking practices voided now any terms and conditions they might try to use to retaliate or harm my person at any time from now. I hope your own bank will Sanction those spreading that type of practices. I always had normal services with them until recently something wrong with this credit card bank.i am the wrong person to violate his rights I will expose you and make sure you get accountable at the end for your illegal acts and by law. Abide and respect the role of law please like All of us Americans you are not an exception or above it. Audio recording of todays call attached.

Company response to consumer: Closed with explanation