Consumer complaint received 2024-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (SC)

I have a complaint against XXXX XXXX XXXX XXXX  and Chase Amazon Visa. The complaint is the same for both accounts. I have had these XXXX accounts for quite a long time. I have never been late, nor failed to make payments. In the case of XXXX XXXX, I typically paid the full balance. Also, I have completely paid off Chase Amazon Visa in the past. But, I have noticed a practice that has begun with these XXXX accounts that amounts to nothing less than underhanded tactics, if not fraud. I have done my banking online for more than15 years. I have enrolled all of my accounts through the Bill Pay Service offered through my bank. I have always gone to my different credit cards websites, gotten the payment amount and due date, and paid before the payment was due. I often paid more than the minimum amount. I did so with these XXXX accounts this time. This past week, I began to get late payment notices from both of them. I was alerted with XXXX XXXX because I had programed bill pay to pay the entire amount owed of {$270.00}. The bank records show that the bank processed the payment and sent it on XX/XX/year>. The due date for XXXX XXXX was XX/XX/year>. As these were electronic payments, there was nothing preventing this payment from going through, except XXXX XXXX. The same happened with Chase Amazon Visa. In both cases, the companies put an amount on the website in the " Account Summary. '' I programed my banks bill pay service to pay either all of the amount as in the case of XXXX XXXX or more than the minimum payment in the case of Chase Amazon Visa. Both credit card companies then notified me that I was late on a payment. The fact of the matter is that both entities obviously changed the amount just before the due date, took my original payment, but gave me a late notice because I had not paid the minimum amount. I called both companies in an effort to find out what was going on and to settle the matter. They claimed that the correct amount was on a monthly statement which is separate from the Account Summary and requires several clicks to get to, making it difficult to get the accurate information, not to mention changes were made at the last minute by the companies. This correct payment amount was not on the website when I checked a week before the payment was due. I immediately paid the remaining, past due, amount by phone. 
XXXX XXXX has still claimed that I did not pay the bill and has slapped me with a late fee and added it to the original {$270.00}. Chase Amazon Visa has also charged a fee, but still has me as having a late payment. However, Chase Amazon Visa has also lowered my credit limit from {$7500.00} to {$7000.00}, so that now I am over the credit limit which I am sure will garner me another fee. Chase Amazon Visa has also reported my late payment to the credit agencies which has, of course, caused my credit rating to tank. Now, they will be charging me because I am over my limit. After being a paying client with them for over 15 years, they have both decided to pull what is the very least unfair tactics. I had no quarrel with them. I have not only made payments but have completely paid off these accounts more than once. This is uncalled for and only makes things harder for those who can not make payments when fee after fee has been charged to the accounts, not to mention the interest gets raised after the credit score is destroyed.