Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

I would like to dispute the charges of {$300.00} JP Morgan Chase is claiming I owe. As of XX/XX/XXXX, my account was paid in full. On XX/XX/XXXX, I had a balance of {$730.00} due, plus a points redemption of {$11.00}. After applying the points redemption, the balance was {$720.00}. This was paid in full and Chase cashed that check on XX/XX/XXXX. 

On XX/XX/XXXX, I had a balance of {$1000.00}. This balance included the {$40.00} late fee Chase added, {$3.00} foreign transaction fees, and {$18.00} interest. I had a points redemption that totaled {$18.00}, which I redeemed, making what I owed {$980.00}. In addition, I contested a charge from XXXX of {$87.00}. Therefore, I sent a check for {$890.00} which was deposited on XX/XX/XXXX. This check was mailed on XX/XX/XXXX. On Thursday, XX/XX/XXXX, there was a blizzard that produced XXXX feet of snow. The rural community that I live in was closed down. Thus, the check I mailed was not sent out in a timely manner. However, a state of emergency was declared. Because of that, I should not have been charged late fees or interest for not making the XX/XX/XXXX payment in time. 

On XX/XX/XXXX, I had a balance of {$1000.00} and Chase also charged me a {$3.00} foreign transaction fee and a {$28.00} interest fee. I had a points redemption of {$36.00}, which I redeemed ; therefore, the check I sent was for {$1000.00}. This check was deposited on XX/XX/XXXX. At this time Chase also granted my account a credit of {$87.00} for the charge that I had disputed earlier. 

On XX/XX/XXXX I had a balance of {$940.00} and points redemption totaling {$14.00}. Chase also charged me a {$19.00} late fee for the XX/XX/XXXX late payment and an unaccounted-for charge of {$17.00}. Because there was a state of emergency, I called Chase to contest these additional charges. I was put on hold for XXXX minutes and needed to attend a meeting. So, I disconnected the call and sent a check of what I rightfully owed of which was {$930.00}, which was deposited by Chase on XX/XX/XXXX. 

On XX/XX/XXXX my balance due was {$2400.00}, with points totaling a {$50.00} redemption. Chase continued to bill me another {$14.00} in interest. However, I again paid only the amount that I rightfully owed which was {$2300.00} of which Chase deposited on XX/XX/XXXX. 

In XXXX I again called Chase to dispute the charges above what I owed and was told that I needed to pay in full. My balance that month was {$440.00}, with points totaling a {$58.00} redemption. Therefore, the payment I sent was for {$380.00}. This was deposited by Chase on XX/XX/XXXX. Because Chase was refusing to remove the amounts that were above and beyond what I owed, I stopped using my card at this time and asked Chase to cancel my card. The XXXX statement has an incorrect amount of {$130.00}. When I calculate how much I spent with this credit card and the interest charges, there should only have been a balance of {$66.00}. Nowhere in my statements can I find what the additional {$64.00} Chase claimed I owed at the time. Because I refuse to pay for an amount of which I do not owe, interest has continued to be added to this account so that Chase is now claiming I owe {$300.00}. I refuse to pay any of this amount.