Consumer complaint received 2016-06-27
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
Re : Closed Chase Freedom Card # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SS # XXXX Soon after XXXX XXXX, upon finding on my online Credit Card Chase Freedom XXXX Card activity a charge in the amount of {$500.00} that I did not authorize I contacted Chase Freedom Card 's Dispute Department. I was, given {$500.00} credit at once given the circumstances. This credit remained on my account for more than 8 weeks ; I justifiably assumed that it had become a permanent adjustment. 
Furthermore, I notified Chase Freedom Card 's dispute department that I had filed a police report with XXXX authorities against the perpetrator of the aforementioned, illegal transaction. The matter, that of altering/forging a credit card transaction is pending further State prosecution upon my initiation of it. 

I personally closed this account on XXXX XXXX, 2016 due to activity of a criminal nature that had impacted it on XXXX XXXX. The closing of my account which had been affected by unsanctioned activity was suggested by a Chase Morgan Representative as a precautionary measure -- to protect my credit from any further abuse. 

When I closed this account I was assured, in a recorded conversation by the Chase Rep. who initiated my request that my balance was - {$5.00} ; that I would be sent a letter within a week formally acknowledging my closed account along with a check for {$5.00}. Also, I was told by the same Chase agent that no preexisting, pending transactions existed nor were to be expected. 

I surprisingly, received a statement XXXX XXXX, 2016 ( ( Exhibit B ) indicating that I owed Chase Freedom Card, XXXX. 

If this statement is to be taken at face value, it appears to reflect either shoddy bookkeeping or fiscal misbehavior motivated by nothing more than petty, JPMorgan Chase XXXX XXXX greed. I ca n't imagine any banking institution condoling nor enabling illegal credit card behavior. 

If my latter suspicion holds water it suggest some devious criminal credit card conduct initiated by Chase Morgan 's Credit Card Division. 

I have repeatedly requested that they adjust the statement that they mailed me to reflect the pre-existing balance as it had been at the time that I closed my account, XXXX XXXX, 2016. Thus far they have refused to help me in any way whatsoever. My interest continues to accrue plus late fees for a check that was altered and naturally never intended to be tendered in the amount that it had be altered to reflect. Also, I requested that Chase notify XXXX of having done so and, that they mail me the {$5.00} that was indicated as due and owing at the time that I shut down my Chase Freedom Card account. Furthermore, I requested that they send me an affidavit indicating that my account was closed at my request and remains " closed & is in good standing ''. 

Should Chase JP Morgan fail to comply with my expressed appeal within several working days from your receipt of my notice I will be left with no other option than to escalate this matter to any and all higher authorities besides cfpb responsible for regulating their commercial activity. 

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation