Consumer complaint received 2017-01-10
Company: JPMORGAN CHASE & CO.
State: AR
Product: Credit card
Issue: Payoff process

Complaint:
Issue XXXX : Upon sign-up for this card product, the card promised a XXXX cash back bonus with a usage of XXXX within the first three months. The account was opened in XXXX and reached XXXX by XXXX with a balance of XXXX on the XXXX statement. An email was sent in XXXX XXXX through the secured site, and a return response not addressing the issue. A second inquiry was placed via phone for XXXX different things : XXXX. The first representative stated that I had not made the XXXX by XXXX/XXXX/XXXX. Once I pointed out that I had ... ..the phone disconnected. I called right back, and the second representative stated that " This card product is not eligible. '' When I reiterated that this product is constantly advertised for the reward, he merely repeated the same. 
Complaint XXXX : I get different information regarding payment on each call which results in a return payment and fees. 
I just can not seem to make a payment directly through the Chase website : Ive had several returned payments ( XXXX from a Saving account -- online and representative ) and XXXX in a Checking account that was not run by within the 2 day timeframe. After calling on XXXX/XXXX/XXXX to check and see why my payment made on XXXX/XXXX/XXXX had not posted, I discovered that it was returned due to Insuffiencient funds that were actually in my account on XXXX/XXXX/XXXX when it should have come out. I was told in a l XXXX minutes phone call that I could make the payment with a representative as long as it was by XXXX XXXX Because I had money in a Savings account that would be available at XXXX, that had previously been rejected online for some reason, I asked if I could still use this account. The rep said " Yes, but not online anymore. At XXXX, I contacted Chase, expressed my concerns again in a XXXX, and made a payment of XXXX after being told I could. I called back again XXXX. to be sure. The payment was slated to come out on XXXX/XXXX/XXXX. After checking my account, I called on XXXX/XXXX/XXXX to verify what it had not come out. I was told that it was posted with Chase, but check my bank by the XXXX I called again on XXXX/XXXX/XXXX at XXXX to no avail. On XXXX/XXXX/XXXX my other credit card payment that I had made AFTER Chase came out, and I call Chase and expressed my concerns in full yet again in a XXXX phone call. I was told several things XXXX. The payment was returned due to a " bad account. '' The representative insisted that some banks do n't allow payments out of Savings accounts even after I stated that I pay bills out of this account and XXXX had just cleared. She transferred me to a supervisor, who I expressed my concerns to yet again in full. She stated that " Chase does not accept payments out of Savings accounts. '' When I told her that about the XXXX/XXXX/XXXX conversation which now is causing me to be both late with a returned payment fee, she stated " I will counsel that person. '' When I inquired as to how I could get this paid immediately, and I was only offered " Just make the payment soon. '' When I inquired of XXXX XXXX, I was given " JP Morgan Chase/ XXXX XXXX Chase Bank USA NA XXXX XXXX XXXX I also inquire of the Consumer Credit Reporting number and was given a number that I later discovered in another phone call was incorrect. I contacted Chase Corporate and filed a complaint. When I arrive to XXXX XXXX, I discovered that the form did not asked for the information that I was given, and I made yet another call to Chase at XXXX XXXX ( XXXX ), and the representative informed me that XXXX XXXX payments were not same day posting, but 5 days instead. I asked for a supervisor, and explained my concern YET AGAIN, she informed me XXXX. XXXX XXXX payments are XXXX days XXXX. Because of the Savings account was rejected previously, I would need a letter from my bank to reinstate and I could pay from it. She also noted that all of my notes read " Called to inquire of payment '' instead of details.

Company response to consumer: Closed with explanation