Consumer complaint received 2022-09-13
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Chase will not remove stored access to my Freedom Unlimited Card, despite me asking it to several times, after I have asked merchants to do the same. I am not comfortable with having so many sources I do not want to have access to my card clinging to it after I use it once. In many cases, not only have I told merchants to stop storing my credit card, but they have repeatedly lied in telling me that they do not store it. Following are details about this. 

As of today, Chase online banking indicates that the following merchants have stored my credit card information for automated billing to my Freedom XXXX card : AARP, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, and no fewer than SEVENTEEN different Amazon sources that charge my card automatically. 

I have repeatedly told AARP, XXXX, XXXX and XXXX not to store my card and personal information repeatedly been told by them that they do not store it. As of today and previously, Chase claims that they do. I have explained repeatedly to all of these companies, including to Chase Freedom XXXX, that I do not want the additional security risks each burdens me with by clinging to or, the case of Chase, enabling the storage and automated use of, my personal, financial and credit card information in a multitude of electronic databases whose cyber security I do not trust that claw out automated access to my card. I am outraged to be exposed habitually and wantonly to the increased risk of cyber crime and financial abuse, including the systematic lying about whether or not these companies store my personal and credit card information. They all, including Chase, see storage of automated use of stored information to be a corporate entitlement. It is nothing more than consumer abuse at the hands of companies that increasingly want something for nothing, as long as they can pass on real costs of their injurious systems and procedures to their customers. 

Concerning the out-of-control financial predator and illusionist, Amazon, the CFPB should require Chase to permit Amazon one and only one source for billing, not 17 and more. This is necessary to allow customers to even begin to make sense of Amazons incoherent, inconsistent, wholly inadequate, information-poor-and-intently-unintelligible charges that show up on credit card bills which Chase then fights to hold onto and blames on Amazon ; this is one coded parasitic system that is sucking the financial health out of consumers that needs to be extirpated immediately without further delay. Chase specifically should be required to cut the umteen and ever-proliferating XXXX feeding tubes between it and Amazon immediately upon the first request from me for my credit card. When the federal government fails to and appears incapable of policing Amazon ; how in Gods name am I supposed to, in this despicable version of kicking the can down the road and passing the buck to the distressed public? 

Chase should be sanctioned effectively with, among other devices, the graduated foreclosure and real-time calibration of market share percentages for allowing the systemic and widespread abuse of my financial and personal information via the routine and dishonest storage of my credit card information by its merchant partners. Not one of these companies understands the word NO in this context ; need we ask what they dont understand about no? They simply do what is in their quarterly profit-making interests that they can get away with and the entire operations and interactions among them in this area is repugnant since credit card customers are lied to and duped habitually and routinely about it. 

The CFPB needs to stop Chase from enabling and processing charges from any company that stores my information without my express permission to do so. When I say no, Chase should be required to effectuate the prohibition at its own peril if it fails to do so, instead of allowed to profit from the dysfunction shamelessly as it does now. It is unreasonably burdensome to require that I police these lying agencies with no power to do so, to try to stop them from storing my credit card and personal information. I should have to tell only one source, my Chase credit card, once, to stop storing it and that should be the end of it, such that any credit card company that violates that proscription in any way should have steady reductions in their market share, given that their current practice fouls the market at the expense of their customers control over use of their own credit and exposes them to exponentially greater, wholly unnecessary risk of financial well being.

Company response to consumer: Closed with monetary relief