Consumer complaint received 2025-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
This fiasco started after I chose to set up a pay over time plan for our XXXX XXXX premium of {$2300.00}. This is the second time I have used a plan like this from Chase and I had reservations because there were problems the first time. Problems like the monthly payment amounts being incorrect and balances not making any sense. 
The second time was worse than the first. This time after setting up the plan, which divided the {$2300.00} into 6 monthly payments ; which should have been {$2300.00} / 6 = {$390.00} per month and the initial amount of {$2300.00} should have been removed from the statement balance and replaced with {$390.00}. That did not happen. Instead the entire pay over time amount was left on the statement balance, resulting in a balance due which included the entire pay over time amount. As the monthly due date approached, I would have had to pay the entire amount which would have rendered the whole pay over time option useless and meaningless. ( Actually its very useless and meaningless because it DOES NOT WORK!!! ) I tried emailing the Chase customer service and received the standard response : call a toll free number. I did that and it resulted in an unwanted reversal of {$2100.00} back to XXXX. I didnt want a reversal of the charges, I wanted the original charge taken off the monthly statement, otherwise the pay over time option would be for nothing. So that was one phone call that accomplished absolutely nothing. It seems Chace has a problem with hiring competent people. Its very obvious just by talking to these people over the phone. The person I attempted to get this straightened with, didnt understand what I was talking about. Its also very obvious that whoever does Chases IT system either doesnt know how to administer the system or the developers dont know how to program. The pay over time option is a computer program and is available for many, many different charges and its offered right on the statement right next to the charge in question. It doesnt show up on the statements when they are printed out which may not be legally sound? The pay over time option is a program that does not work as it should. It basically does everything wrong as mentioned above. 
So at this point, XXXX has informed me that our coverage will be cancelled for non-payment. I want the pay over time plan cancelled as well. XXXX ended up getting only {$230.00} out of the {$2300.00}. There was also a payment of {$230.00} which should be credited to the account because its supposed to be payment towards the borrowed amount of {$2300.00} and that has already been sent back to XXXX. I want the entire pay over time plan cancelled so that no more monthly payments are extracted from our checking account. I believe those payments will continue if its not fully cancelled. So please CANCEL IT NOW!!!

Company response to consumer: Closed with explanation