Consumer complaint received 2018-08-20
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This complaint involves 2 separate issues, both can be verified by listening to the phone call I made in reference to this account onXX/XX/2018.

Issue 1. Chase has declined my transactions and CONTINUES to decline my transactions EVEN THOUGH my account is paid in full AND CHASE HAS MY MONEY.

I no longer have access to the money in my bank account and neither do I have any access to the credit.

TIMELINE I have had credit cards for decades, including a Chase account in the past and I have never been late on a single payment. My credit score is in the 800s. I've had this account opened only for a couple of months. The first statement was paid in full - almost {$1000.00}. The second statement was issued on XX/XX/XXXX with payment due on XX/XX/XXXX.

XX/XX/XXXX -- A small transaction was declined at point of sale. I immediately called CHASE and learned my account was near its limit - note that the card was not over its limit.

XX/XX/XXXX -- I made a payment of {$1200.00} via EFT and Chase posted to the payment to my account on XX/XX/XXXX.XX/XX/XXXX-XX/XX/XXXX Significantly, with this partial payment, Chase released the bar to my account. I made charges to my account without issue and without being declined.

XX/XX/XXXX I made a payment of {$7200.00} to my account via EFT, paying the balance in full. And Chase posted the amount to my account on that same day, XX/XX/XXXX. Chase sent me an email on XX/XX/XXXX confirming the transaction had posted to my account.

From at leastXX/XX/XXXX- PRESENT Incredulously, with this later, full payment Chase blocked my account again and my card continues to be declined.

On XX/XX/XXXX I spoke at length to the " Supervisor '' in payments and accounting and they refuse to grant me access to my credit line.

When I asked what law or part of the contract permits them to deny me access to my money they said processing time MAY take up to 15 days. However, in this case, processing DID NOT take up to 15 days. They took my money nearly instantaneously and yet they continue to bar me from accessing my credit line.

Issue 2. The more brief issue : Chase almost violated my right to financial privacy/privacy and would have done so had I not been a prudent consumer. During my phone call, Chase thought it was necessary to include my bank ( XXXX XXXX ) on the conversation. I informed them my bank was closed. They said XXXX had service 24/7. They got XXXX on the phone and XXXX asked for my consent to speak to Chase. I wasn't the one who placed the call and wanted XXXX to verify their identity as well. XXXX asked for my full social, account number or card number. I volunteered to provide my address and XXXX could not identify me that way. I provided my full card number. And they had no record of me. Chase had called XXXX of COLORADO! NOT MY BANK! When Chase tried again with my XXXX XXXX, they found it s I had told them, my bank was closed. After an extremely long phone call and run around Chase said they couldn't help me but might do so tomorrow if I call back.

Company response to consumer: Closed with non-monetary relief