Consumer complaint received 2016-10-08
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (PR)

I have already filed XXXX complaints against Chase Credit Card. 
Each time their posture has been to systematically deny all and admit nothing, even in the face of evidence. 
I accepted a Chase credit card when making a purchase on XXXX in XXXX XXXX. The card was advertised as free of any fee ( s ). However, it turned out not to be the case. I was apparently charged more than {$50.00} for the first use. In XXXX I purchased an airline ticket and was charged {$25.00}. As I did not appreciate the practice, on XXXX XXXX, XXXX, I called the Chase credit card department to cancel the card, pay off any outstanding balance closing on XXXX XXXX, and to close the account. I asked the representative who attended my call for a confirmation number for the action, which I have in file and which I gave to XXXX XXXX, and asked her if I could consider the account closed. She answered affirmatively. The call was recorded. 
XXXX XXXX, who is handling this dispute, denies that I paid the balance and pretends that payments were made after my call due to an outstanding balance. This is false and I have a confirmation number to prove it. And her department has the recording for reference. 
XXXX XXXX systematically deflects the issue to her inability to obtain a refund from the beneficiary of amounts paid after I closed the account. Why on earth would the vendor-beneficiary return the funds? 
There is an obvious flaw in the internal process in that credit card department that can lead to payments being made and debited from an account in due process of closure. Another employee in charge of making outgoing payments can be unaware of the status of the account. ( I do n't work there, but it seems obvious, even if Chase can not understand it ). Chase, XXXX XXXX, can not blame the client for this or expect the beneficiary to return the funds because of any loss incurred by the department due to flawed internal programming. This is a childish and blatantly irresponsible attitude that goes against the interests of her employer. Her focus should not be in harassing the vendor or the client but to fix the issue internally to avoid repetition and possible future losses. 
I have requested, as is my right as client, a justification for the fees charged for use of card when the account was open prior to XXXX XXXX. My request, although written and formal, has remained unsatisfied, due, according to XXXX XXXX, to her inability to obtain a refund from the beneficiary of moneys paid on XXXX XXXX when my account had been confirmed closed and debt-free by a colleague in the same department! This has been a disrespectful waste of time for the beneficiary, for the CFPB and for me, the client. The actions of Chase have damaged my credit score. It is solely due to their irresponsibility in regards to the flawed programming within their department. It has nothing to do with inability to obtain an unjustified refund, as XXXX XXXX so obtusely and unethically proclaims. 
I reiterate my request for a detailed list of fees that I was charged for use of card prior to XXXX XXXX, unduly it seems, and their legal justification. 
And also a justification as to why at present my call dated XXXX XXXX, XXXX and the confirmation I was given are considered as nul and void by XXXX XXXX and the department that she is representing in this dispute. 
Failure to do so, will force me to take legal action and sue Chase for undue fees, unjust harassment and damage to my credit status, and for any and all legal fees that this will/would incur. 
Part of this practice must run throughout the department and most probably is or was applied to thousands of their clients. 
I only became aware of my credit status when I applied for a refinance loan a few weeks ago for a new car purchased in XXXX XXXX. The application was turned down.