Consumer complaint received 2022-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MD)

Chase continues to enact double standards in the frequency and rapidity with which it levies charges on my credit cards and the delays, denials and other obstacles it imposes on crediting the same cards for the very expenses it so quickly levies against any card. This is a persistent, constant problem that I have reported repeatedly to the CFPB ; yet the problem of phony fees and delayed and denied credits persists. 

My XXXX payment on my Chase XXXX XXXX card was due on Sunday, XX/XX/XXXX. Yet Chase prohibits any payments through its electronic bill payment system, even to its own credit cards, on XXXX. When a due date on a credit card falls on a holiday or when a bank such as Chase refuses to process computer driven, electronic payments, even to its own accounts, Chase should be required to allow the payment to be made on the next day that Chase will permit the payment. Chase should not be allowed to be closed for crediting electronic payments to its accounts on the same days that it remains open for levying debits. Yet this is exactly what it did for my XX/XX/XXXX payment on this credit card which fell on a Sunday. 

Nevertheless, as is its predatory habit, Chase refused to process an electronic payment from my Chase checking account to my Chase credit card, on Sunday, XX/XX/XXXX, while it quickly levied a {$27.00} late fee to the card. This predation characterizes Chases credit card debits and credits, and has for years. 

Further examples of Chases recalcitrant double standards concerning the speed and alacrity with which it levies charges compared to credits follow. In view of its decades-long debit-versus-credit hypocrisy, please force Chase to credit lost merchandise immediately when it is not delivered to the address on a purchase order and I report that I have not received it. I should not be held XXXX to any problems whatsoever that XXXX has getting things delivered to addresses that are provided with detailed delivery instructions at the time an order is placed. This should be the case even more when the same, recurring delivery problems have been reported to XXXX repeatedly and the problems persist, as has been true with my Chase XXXX XXXX card. Chase habitually refuses to credit charges for merchandise not received, but charges my card for the same merchandise immediately before and when merchandise is not received. 

The following XXXX orders were not delivered to the address as provided and instructed on each of the orders : # XXXX, placed XXXX XXXX, XXXX, for {$21.00} # XXXX, placed XXXX XXXX, XXXX, for {$13.00} # XXXX, placed XXXX XXXX, XXXX, for {$17.00} # XXXX, placed XXXX XXXX, XXXX, for {$17.00} When I talked to Chase about this, I was told that most of these items will be issued only a temporary credit, and then only after several days have passed. To date, only 3 of the 4 credits have been issued at all. This is intolerable. 

In view of the enormous theft by XXXX and its banker ( Chase ) for undelivered merchandise, nationwide, and in view of Chases long-standing habit of levying late fees and penalties quickly on the same days that it refuses to process pre-scheduled, regular, electronic payments, Chase should not be allowed to charge for any XXXX ( and other similar ) merchandise before it is received. Shipping charges only should be levied to my Chase credit card before merchandise is received, once it is actually sent, and immediately reversed if the merchandise is never received at the delivery address in a timely and reasonable period. I should not be charged for items I never possess. A long-overdue national standard is sorely needed for any merchant and bank getting paid for merchandise in the form of so many, and proliferating in an uncontrolled manner, pay-now-get-later scams and interest free loans extracted from consumers who are confronted with the need to claw back payments tied to habitual lies about delivering items as instructed. 

Most so-called XXXX XXXX orders are not delivered within 2 days of placing the order or of merchandise being shipped, either one. There is such routine, widespread falsification of delivery, shipping and handling facts, that Chase should not be allowed to charge anything to my credit card unless and until I have the promised item in hand, at the address according to the delivery instructions that I enter on the purchase order. Unless XXXX can provide my signature to Chase as proof of delivery for any particular item, Chase should not be allowed to levy any charge for any pay-now-get-later merchandise. 

A uniform, nationwide standard is needed to protect me and all consumers from the predatory free-for-all by XXXX and other merchants in concert with their bankers that occurs now. Whatever the CFPB may have done heretofore about these problems has not stopped the open-season predation on consumers that occurs now.