Credit card or prepaid card -- Problem when making payments -- Complaint #5475808
Complaint Overview
Complaint ID: 5475808
Company: Jpmorgan Chase & Co.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-Issue: You never received your bill or did not know a payment was due
State: Connecticut
ZIP Code: 06437
Date Received: 2022-04-20T12:00:00-05:00
Date Sent to Company: 2022-04-20T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Sometime in 2021, my Chase credit card account was merged with that of my father without my or his permission ( I am XXXX XXXX XXXX ). As a result, I could no longer access my account online, which made using the card a problem. As such, I cancelled the card in the summer of 2021. My father cancelled his Chase cards shortly thereafter. In XXXX of 2021 I received notification from my father that Chase had emailed him regarding a Chase card that did not match any of his credit cards. As it turns out, this was my card. Around the same time I started receiving phone calls from collection agencies regarding the card. I attempted to contact Chase multiple times, and each time was told some version of " you need to speak with an account supervisor. '' However, every time I was transferred to a supervisor, the call was disconnected. This happened on multiple occasions over multiple days. When I finally reached Chase, it became apparent that there were several fraudulent charges on the card that Chase said they would investigate. There was also a recurring charge that had been applied to the card despite it having been cancelled. Chase claimed to have no record of the card being cancelled. I agreed to wait until the fraud investigation had been completed before paying the balance on the card. At this time I went over my contact information ( including mailing address, email address and phone number ) with Chase and repeatedly informed them that my father had nothing to do with this account. They assured me that I would be contacted. In XXXX of this year, my father received an email confirming that the investigation was complete and stating our new balance on the card. Thankfully, he forwarded that to me. I spoke to representatives from Chase who assured me that they would mail me our current credit card statement so that we could pay the balance. We do not have access to the online account as it has been closed and was merged with my fathers account in 2021. This week my father received another email stating that the card was past due, which included additional late fees. We have received no communication from Chase.
Frequently Asked Questions
What is Complaint #5475808 about?
Complaint #5475808 was filed against Jpmorgan Chase & Co. regarding Credit card or prepaid card specifically about Problem when making payments. It was received by the CFPB on 2022-04-20T12:00:00-05:00.
How did Jpmorgan Chase & Co. respond to this complaint?
The company responded with: "Closed with monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card or prepaid card) and describe your issue in detail.
Can I see other complaints against Jpmorgan Chase & Co.?
Yes, visit the Jpmorgan Chase & Co. company profile at readthecomplaint.com/company/jpmorgan-chase-co to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.