Consumer complaint received 2016-09-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
XXXX Chase Bank USA , N.A . improperly applied my payments to the lower APR promotional loan balances before their higher APR credit card purchase balances, resulting in more interest and/or penalties or fees being charged on those accounts. While paying interest on a balance being carried, I was offered promotional checks with zero interest till XXXX XXXX, no payment or interest is due, I made to balance transfers equalling {$4600.00} and was charged a balance transfer fee. However Chase improperly applied payment right away to the XXXX APR balance a part of the minimu payment, ignoring the offer sent and which I took advantage, knowing this was going to happen, would I have not taking the offer, with greatly increased the balance being carried with higher APR. 
I contacted Chase legal department and was ready to move to a lawsuit in small claims court. 
I was going to bring action based on a case where the bank agrred to stop these actions : XXXX XXXX XXXX, et al. v. Chase Bank USA, XXXX, XXXX XXXX. XXXX XXXX CA XXXX XXXX XXXX XXXX of XXXX OH got involved and she asked to drop my claims and she was going to reverse interest for the past month, was discussing the matter with her counsel. She called me several times from ( XXXX ) XXXX ( XXXX ) XXXX and from blocked numbers, she said that she is a XXXX with JPM ( according the SEC she is NOT ). 
XXXX threatened to liquidate all my accounts at the bank, and my children investments as well that are by Chase, I reached XXXX and they said that XXXX XXXX has no authority to touch a brokerage account, it is a serious violation and it should be reported to XXXX, XXXX XXXX and XXXX entities, she claimed to act under the direction of XXXX XXXX. She claimed have powers to close and liquidate any brokerage account, I already informed the investment manager of her threats. 
XXXX Know further stated that she will close my checking and money market account, and XXXX withdraw the funds and will issue a check a her discresion. The bank manager stated she will be stealing. 

Her verbal commitment to reverse the interest as a final statement never materiliazed, but she send her coworkers to harass, example XXXX XXXX, the only way for me to defend was to inform XXXX that his abuse was going to be shared in social media and at his XXXX account, thas when he budged, and said to be under pressure from XXXX Know in order I shall desist and abstain from getting the wrong charged interest. 

I informed XXXX that further harassment will lead me to file a complaint with authorities, and her threat to report malicious and venegeful information to the credit bureau if I disputed or complaint against her. 

Chase went further to close the original account, and open a new XXXX, as part of their threats they blocked the credit card account for several hours. 
As I attempted again to resolve, the office of XXXX XXXX refused to talk but directed to XXXX, XXXX now will not reply mails or calls, ignoring the facts and making good on her promise.

Company response to consumer: Closed with explanation