Credit card or prepaid card -- Problem when making payments -- Complaint #6878675
Complaint Overview
Complaint ID: 6878675
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: New Jersey
ZIP Code: 07666
Date Received: 2023-04-23T12:00:00-05:00
Date Sent to Company: 2023-04-23T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Consumer Narrative
Credit card agent called me on overdue bill which I paid on the phone with agent then he convinced me to change my credit card bills from paper mail billing to online billing.I explained to him that I am a XXXX citizen and not computer savvy and he then went on to convince me to sit by my computer and walked me through the process of converting the payment from mail billing to online.With my XXXX moments I totally forgot about the payment change and as I always do wait for my mail to pay my bills.No bills arrived in the mail and I received a phone call 3 months later that I owed approximately {$1500.00} on credit card which was a bill from 3 months ago since I did not use the credit card in the past two months. I told the credit card representative I want to pay my bill but I need to see a copy of the bill to verify the charges. The agent said they will send the bill by mail and 2 weeks later I received the bill in the mail and called immediately the credit card company to pay the bill.At that time the agent told me the credit card was cancelled and all my points accumulated over time were removed and there were fees and interest charges on the bill as well as a yearly credit card fee. I explained that I havent received a bill in the mail for these charges and the agent said you needed to go online to see the bill. I told them I am not computer savvy and dont know how to get my user and password and the agent confirmed that I never opened the online account since it was opened with the original agent on the phone. They claim I opened the online account on my own without any assistance of their agent which is a complete lie and they deny their agent had anything to do with my opening the online account.They claimed to review the telephone recording and I would like to hear the telephone records of the complete conversation with the agent in XX/XX/2022 when I paid the credit card on the phone with the agent and then he convinced me to change the billing information to online and had me sit in front of my computer and walk me through the whole process to change the account from mail billing to online.
Frequently Asked Questions
What is Complaint #6878675 about?
Complaint #6878675 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 2023-04-23T12:00:00-05:00.
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.