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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have been paying this card off and have noticed that it was not going down and I noticed for years XXXX was making monthly charges three times a month and it other charges should of never applied because on this chase XXXX both on the XXXX  logo is a perk to have XXXX  you would get XXXX XXXX XXXX XXXX  and free Shipping and would made sense since in order a lot of things I have called and complained and they would adjust and then the same issue would occur over and over again when there should of been a red flag it it was the same charges for membership fee not only that they had to give back over XXXX in money and interest back when further looking into it I had to get another card to stop the bleeding because they did mot want to hear it infact I felt the hostility so I just did what I could upon dither review of billing on card I notice I would make payments and the first payment would come back as a return payment but the second attempt it would go through but the issue so when they tried the second attempt they they still put the first attempt As a purchase when it is not a purchase or returned cause they payment was made on second attempt and this went on for years no one has ever contacted me about this issue granted there was no adjustment but at times interest put on this charge and this sometimes would be XXXX because I knew that what I can afford to pay this was not a min payment this was me trying to pay off card on top of this issue may I add that I was also getting. Emails that they noticed. That I have not been taking advantage of the perks from there data so they have data they know that I dont even use the things I pay for which found very odd also I find odd that no red flag for monthly chargers would not be in there system something is wrong on many issues as far as unethical they way of the handling of this cause then with out any notice they lowered my limit which it effected my credit badly also the amounts that they where reported where wrong and even till now there are many irregularities that credit journey told me to. Call them there numbers are off I did my end I even paid them XXXX and another XXXX in the same month that I have had my limits and always paid them they just with out looking into this in its whole context have destroyed my credit badly when I never was late not XXXX time and gave them no reason to do what they did I also have spoken to many of people I know and notice that XXXX makes these charges frequently to a lot of people like I that have auto pay and never look and Im sure there are many more that this has happen to when I go and also look up the things that are purchased on the card it gives me a set of numbers then I have to get these numbers and then plug them into XXXX site and I would get there is no purchase history at this time there are many issues I have the empathy they shows none you would think they would after they did what they did to me they lowered my credit limit after I paid then over XXXX  in a month and infact they owed me this is what happen here I have a ref # XXXX that even XX/XX/XXXX XXXX XXXX  agreed that this was not a way to conduct business and it qas to late the account was closed and the supervisor hands where tied I did nothing wrong. I paid on time all the time I had my credit used much hire then what it wad and paid it and this only came after I filed a dispute as well as had my bank institution on a threat conversation about this and its against chase policy I find it hard to believe that its always in there favor to there benefit it seems I feel like its wrong bad faith after all said and done after I paid and never was late thats they closed my account cause I called them out basically like a whistle blower and now they closed my account with no reason no call nothing. Im am shocked and this should of never happened and now Im left picking up the pieces here and my credit was XXXX on XX/XX/XXXX about to go over XXXX and I planed on paying off cards with my income tax check and pay all the cards off but there are to many mistakes and irregularities I hope someone really looks into this cause Im sure theres someone grandpop or grandmom that live on fixed income that this happen to that are not willing to fight Im XXXX and let me tell Im so frustrated I actually would have to stop calling to try to fix this and have XXXX  that I would wait days before I would call again there I just dont see how they charged all this interest and charges I didnt not make that had to be given back and they closed my account cause Im paying the card off and found it coincidence that it would always be in their favor when its instances like this would happen I cant believe that they are allowed to even do this at the rates they have this is alarming. To me and I hope someone gets this in his we trust and when your right you have might and there is not an once of what I say even off wrong or inaccurate I assure there are no irregularities on my payments and what I have stated in this complaint and would and neither did some of there employees for every action there is a reaction and this action I did not cause XXXX and the chase did they should of seen this they have a the data and technology if they know I have not been taking advantage of the perks then I assure you they know what is going on and shame on them

Company response to consumer: Closed with monetary relief