Consumer complaint received 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To whom it may concern, My name is XXXX XXXX and I have had a Chase account since I was XXXX XXXX XXXX. I am now XXXX. At the beginning of last year, I did a debt consolidation and closed several credit cards from different banks, one of which was a Freedom Chase Card. After paying off and closing a Freedom Chase Card ( XXXX ), Chase Bank twice refunded my overpayment to the closed account : once as a balance transfer to my Sapphire Preferred ( XXXX ) and again in the form of a check. Later realizing their mistake, the money from one of the refunds was placed back on to the closed account without my knowledge, and I was charged late fees and purchase interest charges. This has negatively affected my credit score. 

I have called Chase Bank and have filed many claims over the last 7+ months but have yet to see this problem resolved. Chase has given me the run-a-round and I figured most of this out myself. This needs to be resolved as soon as possible and the negative credit reporting needs to be removed or corrected. 

I have given a detailed description of the issue below followed by full card numbers, along with a timeline that includes exact dates, numbers and short descriptions. I have also attached the Freedom card bank statements that are referred to in this letter. As a note, my name has been changed legally from XXXX XXXX XXXX to XXXX XXXX. Both cards should still hold my former last name. 

On XXXX XXXX XXXX, I paid in full my Freedom Chase Card ( XXXX ) with a check of {$3500.00}. There was an overpayment of {$82.00}. The account was closed, and the Freedom card ( XXXX ) was removed from my online portal. 

The overpayment of {$82.00} was credited to my Sapphire Preferred Chase Card ( XXXX ) on XXXX, XXXX, XXXX. You can see this on the XXXX statement of the Sapphire ( XXXX ) statement in XXXX, but it does not show up on the statements of the Freedom card ( XXXX ) until the XXXX statement. 

Before my account was closed, I reported fraud on a charge of {$26.00} from XXXX on XXXX XXXX, XXXX. The Freedom card number was changed from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. I was not even aware that the card number had changed due to the fraud because the Freedom Chase card had already been removed from the online account. The credited amount of {$26.00} was credited to my Freedom card account on XXXX XXXX but did not show up until the Freedom ( XXXX ) statement in XXXX. 

This is where the problems start. I had already been credited the overpayment to a credit balance transfer from my Freedom card to my Sapphire Preferred card. The additional {$26.00} had not been credited to me yet. I was then sent on XX/XX/XXXX a credit balance refund of {$100.00} in the form of a check. That amount sent oin the form of a check was the original overpayment of {$82.00} plus the fraud refund of {$26.00}. This was clearly an error on the part of your bank. You should have only sent me a check of {$26.00}. 

Sometime in XXXX I saw that my credit had dropped. I investigated and called all the loan companies and banks that I could think of. I found out when I called chase that my Freedom Chase card had a balance on it that I was delinquent on. I had paid off this card in full. How could it have a delinquent charge on it? I hadnt received ANY MAIL about these charges despite being told that I had. My account had been paperless for years, so I dont receive mail about it. It was not on my online account, so I couldnt see that there was a balance on the account. 

Since finding out, I have tried to call numerous times to have this resolved. This was Chase Banks fault for sending me the incorrect amount of money in the form of a check. The check should have been {$26.00} to make up for the fraud that I reported. I know this now, but I wasnt aware of any of this until I did my own investigation of my credit card statements. Chase Bank customer service just tells me to talk to the fraud department. The fraud department tells me to speak to credit card reporting. No one resolves anything. In the meantime, I was being charged for late fees and interest charges. Some of which have been reversed but not all. I gave in and finally paid {$150.00} and {$41.00} on XX/XX/XXXX and XXXX XXXX because I was afraid that this would never be resolved. 


Freedom Chase card : Statement XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Sapphire Preferred card  : XXXX XXXX XXXX XXXX Timeline Freedom XXXX XX/XX/XXXX -- {$3500.00} check paid off balance of card ( overpayment of - {$82.00} ) XX/XX/XXXX XXXX charge {$26.00} ; fraud reported Account closed and removed from my online portal Freedom XXXX ( account number changed due to fraud ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( on XXXX statement ) XXXX credit balance transfer XXXX to XXXX of $ XXXX ( on XXXX statement of XXXX, but on XXXX XXXX XXXX XXXX ) XX/XX/XXXX Credit Balance Refund in the form of a check - {$100.00} XXXX payment to card - {$150.00} XX/XX/XXXX payment to card - {$41.00}

Company response to consumer: Closed with explanation