Consumer complaint received 2020-05-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been a customer with Chase credit cards since around XX/XX/XXXX with my now ex husband. We had a Southwest, Freedom, Sapphire. I was listed as a signor on these cards, but was the one responsible for paying them as we ran a plumbing company at the  time. We accrued XXXX of thousands of points and miles and paid them off as we used them usually on a more than weekly basis. Our credit limit for these cards {$5000.00}. He ended up taking control of the company and cards in XX/XX/XXXX and did not know what he was doing and closed them with balances, so I removed myself as a user during the divorce. He recently filed bankruptcy XX/XX/XXXX. While I had access to & coordinated payments on these Chase credit cards, I was never late or missed a payment. 

He has damaged some of my credit over the past 5 years. I have worked relentlessly since I was 19 & bought my first home to have excellent payment history even in difficult times. ie XXXX, divorce, post divorce. In XX/XX/XXXX, I opened my own Chase Freedom card with a credit limit of {$500.00}. I have never missed a payment or been late. 
Previous payment amounts & dates are listed below : XX/XX/XXXX {$300.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$400.00} On XX/XX/XXXX, I went to Chase bank with a balance owed of {$510.00} and paid {$300.00}, bringing the balance due to {$220.00}. I, then, went to a store and tried using the card where it was declined. I called into customer service and was told that the account had been closed. When I got home, I looked at the balance and started making payments towards the {$220.00} as seen below : XX/XX/XXXX {$25.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$20.00} XX/XX/XXXX Covid- XXXX I received an email from my credit monitoring company saying that Chase was marking my account past due. When I called into customer service and logged into my account, I saw that these fees were charged because Chase made my first minimum payment due after closing my non default account with the {$220.00} balance as {$45.00}. So, then, every month, Chase started charging me late fees : XX/XX/XXXX {$25.00} XX/XX/XXXX {$39.00} XX/XX/XXXX {$39.00} XX/XX/XXXX {$39.00} XX/XX/XXXX {$39.00} XX/XX/XXXX {$39.00} As of Thursday, XX/XX/XXXX, on a balance of {$220.00}, I have paid {$110.00} by each month 's payment due date & Chase had charged me an additional {$220.00}. I called into customer service and spoke with XXXX ID # : XXXX, where she waived the XX/XX/XXXX {$25.00}, XX/XX/XXXX {$39.00}, & XX/XX/XXXX {$39.00} late fees, in agreement that this situation should not have been happening. 

Also, as of XX/XX/XXXX 's statement, I had accrued XXXX Chase Freedom Unlimited Rewards Points and on XX/XX/XXXX 's statement, it shows that they were redeemed but not applied to any of my accounts. That amount should've totaled {$44.00} to be credited. 

In total this is what I feel I owe vs how chase has handled the situtation : Owed : {$220.00} Payments made : {$110.00} Rewards Credit : {$44.00} All fees should be waived, especially XXXX 's due to Covid-19, if anything. 
Total that should be due as of XX/XX/XXXX : {$60.00} plus agreed interest since the date the card was closed As of now, the balance on the account that the rewards were not credited to and including late fees for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( COVID ) : {$250.00} Chase is also reporting to the credit bureau 's that I have been late XXXX, XXXX, & XX/XX/XXXX. This situation is not right. Please help me, by looking into this to get these fees resolved and credit given where it is owed. My intention was never to not take responsibility for the amount I owed Chase Bank. I have been a loyal credible customer for more than 11 years now.

Company response to consumer: Closed with monetary relief