Consumer complaint received 2016-08-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
Chase credit card deleted my entire online profile which included secure messages that was prima facie evidence that Chase honoured our request to extend our 0 % balance transfer offer to on or around XXXX XXXX XXXX. Now Chase is charging me {$35.00} in interest charges even after I paid the {$12000.00} balance off IN FULL On XXXX XXXX, two weeks before it was due. 

Chase denies extending it to the end of XXXX and insists that it was only until XXXX XXXX XXXX. I was locked out of my acct for nearly two weeks at the end of which I decided to end my banking relationship w/ Chase. As soon as I was able to get online access to my account, I paid the {$12000.00} balance off in full on XXXX XXXX XXXX. I also discovered that Chase deleted my original acct or otherwise denies me access to my online acct that held the proof of the extension, so I can not provide proof other than my excellent payment history including the $ XXXX balloon payment. 

XXXX online rep XXXX XXXX even LIED and stated in writing that the extended expiration date of the 0 % offer to XXXX XXXX XXXX, had been on my statements since XXXX. This is PATENTLY FALSE b/c Chase only honored my request for the extension in XXXX XXXX so it is IMPOSSIBLE that the misquoted exp date of XXXX was on stmts prior to XXXX. In fact, it changed from XXXX XXXX ( orig date ) to XXXX XXXX XXXX in the stmt cycle that closed XXXX XXXX. 

Our stmts are all online. We do n't use the card and have n't used it since XXXX XXXX XXXX, when we did the balance transfer. Thus when Chase denied us access to our online acct, there was NO way for us to verify the extended exp date and of course, schedule our payment for the entire balance of {$12000.00} to avoid interest charges. 

Furthermore, we successfully made the balloon payment of {$12000.00} on XXXX XXXX XXXX, which Chase immediately deducted from our Chase Premier checking account. Chase then sent us TWO letters wks later that falsely stated that it could not process our payment and thus we still owed {$12000.00}. Chase tried to trick us into making double payments! 

Moreover, after being on the phone for nearly an hour today, XXXX XXXX, a supervisor today XXXX in XXXX XXXX falsely stated that Chase " is n't even able to extend balance transfer dates. '' This is patently false b/c the original exp was XXXX XXXX until Chase agreed with and then approved my argument that 0 % offers generally end at the payment due date in which the offer expires. FALSE! 

Thus Chase directly blocked us from being able to pay off our balance in full and its actions threaten to adversely impact our otherwise excellent credit history. Chase is trying to bully and intimidate us into paying for interest charges that we only incurred due Chase 's technical difficulties in getting us online access to our acct. 

This is a SMALL amount {$35.00} for Chase to risk losing our business but Chase is a multi-billion dollar institution and I am a single person. Chase has the ability and power to charge every one of its millions of customers unwarranted charges and fees and it does so when it and it alone holds the power and evidence to prove otherwise. Chase and its reps refused to consider these extenuating circumstances -- that Chase and only Chase alone controlled -- surrounding our final balloon payment for an otherwise excellent credit card history. 

Chase prevents us from logging into our original acct to access the secure message in which Chase agreed to extend our expiration date to more agreeable terms, i.e., to XXXX XXXX XXXX -- the only proof of this. Now Chase manufactures evidence, and even patently false evidence, in its own favor. 

We will warn all of our friends, neighbors, colleagues, and family to avoid doing any business with Chase. We have already closed XXXX of our banking accounts, with XXXX left to go and our nearly $ XXXX dollar mortgage. Chase is a bully and a nightmare.

Company response to consumer: Closed with monetary relief