Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
On XX/XX/XXXX I called Chase Bank and accepted a balance transfer offer of XXXX percent interest for 18 months. I provided the bank information ( XXXX XXXX XXXX ) and credit card number for the card I wanted to pay off. The payment amount was {$9100.00}. 

On XX/XX/XXXX I called to ask for status and was told the check had been mailed as the bank did not accept wire transfers. I also called XXXX XXXX XXXX and was informed they did not receive a check. 

I called Chase Bank again on XX/XX/XXXX as I was still showing an outstanding balance at XXXX XXXX XXXX. I asked for status and informed the check was mailed and there was nothing they could do. I had to wait. I called XXXX XXXX XXXX and they confirmed they had not received payment. 

I called Chase Bank again XX/XX/XXXX as we were now going into a month since the balance transfer and I am now showing a balance and payment due for both Chase Bank and XXXX XXXX XXXX. I spent nearly XXXX minutes on the line speaking and getting transferred only to be told they could not do anything until 21 days after, despite it being well over 21 days. 21 days after what? 

I physically went into the XXXX, Ca branch on XX/XX/XXXX and was told that there was nothing the branch could do as the check went out. 

I called again on XX/XX/XXXX since it was now over the 21 days that Chase had designated. I asked if the check was cashed and they would not respond. The representatives were telling me they could not tell me much. I was told I would have to wait through the end of the week. I asked to speak to a supervisor and the woman told me if I wanted to speak to a supervisor I had to hang up and call once again before disconnecting me. I called back and spent another XXXX minutes getting transferred back and forth, speaking with a supervisor and told that I had to wait as the check was mailed out. I called Chase Bank again and asked if they could cancel the check and was informed they could not. These were XXXX different calls with different representatives and supervisors and was unable to get any new information. 

Today, XX/XX/XXXX I spoke with XXXX different people. They all stated the check went out on XX/XX/XXXX. The representative said I had to wait and that the check could not be canceled and it was being looked into. I called back again to ask if the check was cashed, I asked for a check number and where the check went to. I was given a tracking number that did not correspond with XXXX, USPS or XXXX  XXXX. The representative could not tell me what company was used and where the check went to. The last supervisor I spoke with finally stated the check went to XXXX XXXX. I explained it was not XXXX XXXX that it was XXXX XXXX XXXX. He asked me to provide him Wescoms business number, which I provided. He informed me the check went out to XXXX XXXX in error. However, he provided no remedy. 

This was an internal Chase Bank error. I am showing I owe nearly {$10000.00} to XXXX XXXX XXXX and Chase Bank. I am having to now make payments on both to secure my credit, which, has gone down in points given that I have an additional {$10000.00} in debt showing. I do not have any accounts in Wisconsin. 

It took my having to scream and shout to get what little information I have provided from Chase Bank. They were aware they made an error and it was not until today that someone finally admitted that Chase Bank made an error, all while still reporting the large balance to the credit bureaus, which hurt my credit, and charging me a monthly payment. I have not been given any form of remedy for this situation. I am asking that the balance transfer transaction of {$9100.00} be canceled in its entirety. I also want reimbursement for a monthly payment I was forced to make in the amount of {$1000.00} on XX/XX/XXXX.

Company response to consumer: Closed with explanation