Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase is using many tactics to steal money from consumers and they must stop. I would like to bring up the 2 deceitful ways Chase basically lied to me and took my money. 1 ) CHASE PAY OVER TIME IS A SCAM. NOBODY SHOULD SIGN UP FOR IT. I made the mistake of signing up after making a large purchase of over a XXXX. Contrary to the terms of the offer or plan, chase did not break my payments into small payments. The entire amount was applied to my credit card. Interest is then applied every month on the entire amount. Nothing changes, except Chase is charging a monthly FEE for a plan that Chase is not honoring. CHASE IS GETTING FREE MONEY FOR NO SERVICE TO CONSUMERS!! .My card is a small card with only XXXX limit. That purchase was over XXXX so I quickly reached my limit. I disputed it with Chase, to no avail. I finally just let myself suffer and pay for months. I could have taken a payday loan for that purchase. But I trusted Chase and then watched them collect money they didn't deserve. Chase appears to be a much worse PREDATORY LENDER than payday loans. 2 ) 3 months ago, in XX/XX/XXXX, I fell yet again for another one of Chase 's scams : FAKE PAYMENT PLAN!. Chase offered me a 3 months payment plan that would help me bring my account in good standing. I was over my limit by $ XXXX. Chase told me that if I could make XXXX payments of {$240.00} I would be back in good standing. I MADE THE XXXX PAYMENTS. But out of the {$750.00} that I paid, only $ XXXX was applied to my account. Chase kept over {$500.00} as interest charges and late fees. My account is still over by the same {$700.00} like just 3 months ago!!! My APR is supposedly 29.99 % but it looks like Chase is collecting over 60 or 70 %. I can't even do the math on this kind of rubbish scam. Chase had my XXXX XXXX checking account and set me up for direct debits for the 3 months. Then charged me late fees? How am I late when Chase is processing the payments every month? I was lied to that my account would be back below the limit if I make the {$750.00}. I set aside other bills to make sure funds are available for Chase and now this lame Freedom Card is still as useless as it has been for over a year. It's not a FREEDOM CARD. It's a SLAVE CARD OR SCAM CARD! Didn't Chase ALLEGEDLY make millions helping XXXX XXXX XXXX XXXX for over a decade by overlooking internal warnings and processing over {$1.00} XXXX in transactions? So why is Chase still stealing from single moms like myself trying to pay my bills and keep a decent credit? Didn't Chase make a lot of money ALLEGEDLY moving XXXX  that were seized in XXXX from your ship, the XXXX XXXX, that is part of a transportation strategy fund run for the banks asset management unit? Authorities seized nearly XXXX tons of XXXX on board of your ship with an XXXX XXXX value of {$1.00} XXXX. WHY IS CHASE NOW FOCUSED ON DESTROYING HARD WORKING FAMILIES WHO MADE THE MISTAKE OF BANKING WITH CHASE? Why is Chase scamming your own customers with false plans? I need my money back! You need to reverse the late fees and interest fees applied in the past 3 months.

Company response to consumer: Closed with explanation