Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
b'COMPLAINT: JP Morgan Chase Bank, Business Account: \nAn ACH payment was in place to pay XXXX XXXX XXXX XXXX XXXX XXXX XXXX to through my JP Morgan Chase business account.   I called JP Morgan Chase on XXXX XXXX XXXX  to cancel ACH transaction to pay XXXX XXXX payment which was scheduled by ACH on XXXX XXXX XXXX. The lady representative who I spoke to informed me there would be a $30 fee to cancel the transaction.  I agreed.  I explained I was collecting monies from rental and the tenant paid cash, not always on the XXXX  and needed time to pay monies into my business account.\nThe ACH payment was cancelled and did not pay XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I submitted a check in the amount of XXXX  payable to XXXX XXXX by check XXXX over phone.  Confirmation XXXXXXXX.  I also paid the late fee of XXXX XXXX XXXX XXXX XXXX confirmation XXXX  via phone the transaction posted to my account. \nOn XXXX XXXX I logged into my account with XXXX XXXX  to pay XXXX  mortgage on XXXX  XXXX XXXX.  I saw a note that the check #XXXX  dated XXXX XXXX XXXX I submitted for payment had been cancelled. I had no indication, email, phone call or otherwise to inform me it had been cancelled prior to logging into XXXX  account online.   I also saw that all the interest had been added to my mortgage payment which happens if I do not pay a mortgage payment by end of month.  \nI called XXXX  XXXX phone XXXX and spoke to XXXX  and asked why check was cancelled.  He informed me the check payment was cancelled.  I did not cancel it.  I was upset and called JP Morgan Chase Bank and was informed that when I cancelled the ACH payment that it also includes any check payments.  Which does not make sense, as it is a different form of payment and as a consumer unless I was informed by the bank representative, I had NO WAY of knowing that information. \nI was informed on XXXX XXXX  by the male representative at Chase Bank that when I cancelled the ACH payment it also cancels check payments.  I was NEVER informed of this upon cancelling the ACH payment to XXXX XXXX.  I was not informed a.s a consumer that any check payment to XXXX  XXXX would be cancelled going forward.   This is very disturbing.  And has caused damage, financially and may also reflect on my credit report.  \nThe mortgage payment has ballooned and increased due to check payment being cancelled by JP Morgan Chase bank.  Due to it being cancelled my mortgage payment has now ballooned to the amount of XXXX \n,\nI called back XXXX XXXX and spoke to XXXX, on XXXX XXXX. I told him the bank had cancelled the check and stated it was cancelled due to ACH payment being cancelled.  I was not informed my checks would not be valid or be cancelled at anytime by JP Morgan Chase representative due to cancelling ACH payment.  It is a different form of payment. \n XXXX stated he would discuss with upper management to find out if I can return to original status without all the interest accrued because payment was not received.  This is very concerning as a consumer.  I was not informed by Chase Bank that if I cancelled ACH payment it would also cancel any check payments going forward to Selene Finance.  How would I know?  It was a different form of payment by Check.\n\n\nRegards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation