Consumer complaint received 2017-05-21
Company: JPMORGAN CHASE & CO.
State: CA
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 had an in k Chase credit card and called to pay off the balance and close the card. I asked the cha se rep how much I would need to pay off in order to close the card and was given a payoff amount.     Following my payment, an interest charge a month later was charged to my account of {$9.00}. I did not know about this because i closed the account. This {$9.00} then got assessed late fee after late fee and was reported to my credit as delinquent. I now supposedly owe over {$200.00} on this closed credit card.      Chase has ad mitted that I called to payoff balance to close card but will not correct the issue. THey claim I should have known to ask about future interest - even thought I asked what I would need to pay off to close the account!     The payoff happened in   XXXX   XXXX    2016  and I am still being harassed about this balance and it is negatively affecting my credit.     Here is a transcript of the message left for me today : Hi good afternoon this messag e is ______ my n ame is  XXXX   XXXX  from  Chase  card services returning your request for a phone call. You have given us permission to give a detailed message which we are following up with your concern on  XX/XX/XXXX  about your ink account that is now closed more specifically about the fees that are in the credit report um now it was suggested to us that you were provided incorrect information at the time that you made your payment and you requested to include all future interest as well at the time of the call and that what we were actually able to confirm on the date of the payment in  XX/XX/XXXX  was that you did request to close the account and also request to pay off the balance which the specialist proceeded and processed the payment for accordingly. what we were able to confirm was that there was no discussion for any related to the fees there was no questions if you would be if there 's any fu ture ____ ____ ____ going to communicate that through your monthly statement __ ___ ___ ___ call r eview ____ we were able to determine no missed information _____ at this point your account is   XXXX   delinquent and he stil l have _ balance of {$130.00} that is still required please know what you do set aside this balance _________ will be a subsequent balance ____ interest that when __ called residual interest that will still be assessed ___ at the closing of your cy cle date _____ __ this case __ ___ paid on time they will be  XX/XX/XXXX  again we are aware that you are requesting to have these ________ __________ the cred it _________ correct based on our research which will be documented on the _______ there was no evidence of anything ____ ____ __ apologize _____ not able  to speak to you at this time but if you do need to follow up we have supervisors availa ble 24 seven  at  XXXX   ___ the number __ any back of your active check account thank you for your time ___ h ave a wonderful day

Company response to consumer: Closed with non-monetary relief