Consumer complaint received 2022-03-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.

Complaint:
CHASE AUTO BANK HAS BEEN OVERCHARGING ME IN LATE FEES AND HAS A NUMBER OF MISSING PAYMENTS THAT SHOULD HAVE BEEN CREDITED TO MY ACCOUNT BY NOW. CHASE BANK INCORRECT PLACEMENT OF MY PAYMENTS HAS CAUSED ME TO BE REPORTED LATE TO THE CREDIT AGENCY SEVERAL TIMES. CHASE 'S MISPLACEMENT OF PAYMENTS IS NOW IMPACTING MY LIVELIHOOD AND CAUSING ME TO BE XXXX XXXX 

When I first open my account with chase auto, I was charged late fees even though I was not late on my payments. Due to covid19 I was laid off from work and was told I would be given some relief from the Chase Auto Loan dept. I was told From XX/XX/XXXX XX/XX/XXXX, I would Receive covid19 assistance with my payments. Apparently, Chase was being dishonest about the relief they agreed to help with me. 
. My account balances are not correct, where I was supposed to have received covid19 relief help on my payments the ledger shows differently. 
XX/XX/XXXX I was told by a chase rep I received covid19 credit to my account/ Ledger show I made the payment on XX/XX/XXXX, {$920.00} made with teller. 
XX/XX/XXXX I was told by a chase rep I Received a covid19 credit, The Ledger shows no payment whatsoever was ever credited to my account. Ledger does not show the month of XXXX payment credited to my account the ledger does not even show a record of payment or credit of the account. 
XX/XX/XXXX I was told by a chase rep, I Received a covid19 credit the Ledger shows no payment whatsoever was ever made. my ledger does not show the month of XXXX credited to my account. The ledger does not show the entry of that month 's payment. 

XX/XX/XXXX I was told by a chase rep I Received a covid19 credit, the Ledger show no payment whatsoever was ever credited to my account. 
XX/XX/XXXX {$2000.00} payment was made to cover two months ' payments the entire payment went to the principal in spite of my direction. 
XX/XX/XXXX, {$2000.00} payment was made to cover two months ' payments instead of my directions the payment went towards principle. 
XX/XX/XXXX {$940.00} XX/XX/XXXX no payment made XX/XX/XXXX {$1000.00} XX/XX/XXXX {$920.00} XX/XX/XXXX I was told by a chase rep I Received a covid19 credit the Ledger show no payment whatsoever was ever credited to my account. But I was charged late fees {$30.00} XXXX XXXX payment made over the phone {$850.00} & XX/XX/XXXX payment was made {$1000.00} money order never processed to my account. 
XX/XX/XXXX payment was made XX/XX/XXXX {$920.00} this payment not reflecting on the account at all. please see attached proof of payment. 
XXXX XXXX {$940.00} XX/XX/XXXX, I was informed I was covered for covid19 relief but my Ledger showed XXXX ( XXXX ) I made a payment on this account, where is the credit on the account for covid19 relief I was told was paid by the chase. 
XXXX payment was supposed to be a covid19 relief credited to the account I see no payment entry also I was charged late fees of {$45.00} and {$15.00} XXXX XXXX payments were made on this account XX/XX/XXXX and XXXX {$920.00} I was told my payment went towards XXXX payment when I was previously told I received covid19 help. 
XXXX payment no payment was credited to the account even though I paid two payments in XXXX XX/XX/XXXX payment made {$1000.00} second payment XX/XX/XXXX {$1900.00} even though I explained the payment was for two months. This payment went towards the principal balance instead of crediting two payments to my account as I advised. 
This is why there was no payment entry for the month of XXXX because I expected a credit to my account XX/XX/XXXX payment was made {$1000.00} XXXX this payment was not taken out due to no account found. I have a letter from my bank stating Chase never attempted to take payment from my account in the month of XXXX. 
XXXX 's Payment was made XXXX payment {$1000.00} XX/XX/XXXX payment was {$1000.00} XX/XX/XXXX and XXXX two payments were made, and these payments were applied to XXXX and XXXX. 
XX/XX/XXXX payment {$1000.00} I was told my XXXX payment was applied to XXXX payment even though chase bank never informed of crediting my payment to a month that was missing a payment. 
Based on the doubling up on payments, covid19 relief help, and two lost payment 's I never should have been reported late on my credit.

Company response to consumer: Closed with non-monetary relief