Consumer complaint received 2024-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I do not have time to report all the gory details, but JP Morgan Chase has systematically degraded services on a joint checking account that I have in numerous ways. One of many examples is its denying either me or the joint account holder from sending XXXX payments, even after it has received and credited a payment to us from the very person we are trying to pay. Such is the case on XX/XX/year> when it credited a payment to our account for {$1.00}, then repeatedly cancelled payments we tried to send to the same payer for the same amount. 

As though this werent bad enough, it also repeatedly falsified the record by claiming, verbatim, At your request, we canceled your payment and wont process it. In fact, the exact opposite was true : we repeatedly, under our individual names, tried to make many XXXX payments and repeatedly read that JPMC had cancelled all of them without reasonable cause, other than the fabricated stated one that one or the other person on the account had requested that it be cancelled. Many of the excessive number of problems, all of which involve one kind of false claim or another, seem to be centered in JPMCs so-called security department which has lied to me or to the joint holder repeatedly. 

This bank has permanently blocked me from sending XXXX payments. It falsely claims that it will send a code to a phone, then repeatedly fails to do so. The last attempt I made to resolve these problems, I was on the phone for an hour or more, talked to at least 5 people, in 2 or more countries, 2 of whom hung up on me and at least as many who claimed they would send me a code or call me and repeatedly failed to do either. Finally, I stopped calling back, since it became clear that I was dealing with an utterly unaccountable ( ironically enough, security or fraud ) department. 

In the last few days, whenever we sign into online banking, the website claims we are signing into JP Morgan instead of Chase. However, the service, if anything, is worse since this conversion occurred than it was before, when each person on the account has been able to send at least one or a few payments via XXXX in the last year or so. Now neither can, for clearly false reasons fabricated by JPMC. The CFPB should determine if other account holders at JPM have had the same kind of degrading services as we do ; if not, it begs the question of why a selective number are subject to the poor and worsening service. 

Along with several other problems I have reported about this bank going back several years, the service has been poor and is now radically worsening, such that we both have been barred from using a widely advertised service of this bank. 

Whatever the CFPB has done to sanction this bank in the past, it is ineffective. The service on this account is degrading, steadily and relentlessly, progressing from one of the account holders to the other. There is no excuse for it or for whatever reason any regulator appears to be hapless before the worsening of services, selective, targetted or not.

Company response to consumer: Closed with explanation