Credit card or prepaid card -- Problem when making payments -- Complaint #7186480
Complaint Overview
Complaint ID: 7186480
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: Problem during payment process
State: Oregon
ZIP Code: 972XX
Date Received: 2023-07-01T12:00:00-05:00
Date Sent to Company: 2023-07-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I mailed XXXX remittance coupons ( over the course of a few months ) and they kept my remittance coupons but did not credit my account. The first XXXX were sent to XXXX XXXX, XXXX. The XXXX office acknowledged having received them ; did not return them ; yet did not process them. The next XXXX were sent to the payments processing center ( XXXX different credit cards x 2 months ). The next XXXX were sent to XXXX XXXX, XXXX. I have the tracking numbers and XXXX receipt. Some of the ones sent to XXXX XXXX, XXXX were new remittance coupons ; while some were copies of previous ones he and/or the payments center ignored. That's XXXX breaches of contracts, as I am the agent of behalf of the principal and I instructed them to credit the principal 's account yet they failed to perform. I informed them ( the first few times ) that they must credit my account whether they accept my coupon or not because as per UCC 3-603 ( b ) when tender of payment is refused, there is discharge. Therefore, they are in violation of UCC 3-603 ( b ) XXXX times. They have already acquiesced to this violation 3 times, by not responding to my letters in which I told them, " Failure to respond via affidavit is acquiescence. '' In addition, they have already acquiesced 3 times to following : - Violation of US Code 1601 ( transparency in consumer credit transactions ) - 12 CFR 1002 ( Equal Credit Opportunity Act ) ; - Securities fraud ; and - Trust fraud I gave them ample time to respond, stating in no uncertain terms that failure to respond is acquiescence. I offered them opportunity to request an extension. Yet they neither responded nor requested an extension.
Frequently Asked Questions
What is Complaint #7186480 about?
Complaint #7186480 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 2023-07-01T12:00:00-05:00.
How did Jpmorgan Chase & Co. respond to this complaint?
The company responded with: "Closed with explanation". 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.