JPMorgan Chase Bank, National Association Corporate

Complaint ID: 7174280

Product: Credit card or prepaid card

Sub-Product: General-purpose credit card or charge card

Issue: Problem with a purchase shown on your statement

Subissue: Card was charged for something you did not purchase with the card

Company: JPMORGAN CHASE & CO.

Complaint: XX/XX/XXXX for {$1000.00} A bill payment from XXXX XXXX paid Chase Credit Card by mistake and the bank XXXX XXXX allowed the payment to be sent a second time on XX/XX/XXXX for the same amount {$1000.00}. I've been trying every since to get my money back to this company account for XXXX XXXX. Each time I send them documentation they keep saying they need more. I've sent them everything they've asked for and today I lost it on them. I'm getting in to XXXX pay months and this is still not resolved and my money has not been returned. I have and show the credit on my Chase XXXX card and I don't know what else I can do. They've been sent my bank statement showing the duplicate payment, a voided check of the account it came out of. A report from the bank showing the Bill payments that occured and the account it came out of and a letter from the bank of the errors of the duplicate payment. When this gets resolved I'll be cancelling this credit card, this has done me in with them not willing to correct this. It's to the point of fraud in my opinion.

Company Response: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 7174246

Product: Mortgage

Sub-Product: Conventional home mortgage

Issue: Trouble during payment process

Subissue:

Company: JPMORGAN CHASE & CO.

Complaint: On XXXX, I paid a regular monthly mortgage payment ( listed on their web page ) as a ( Minimum Payment Due ) instead of a ( Next Regular Payment Due ) ahead of time - to be applied for the month of XX/XX/XXXX - Instead Chase Bank applied the payment to the Loans ( Principal Balance ) or note as a ( Principal Prepayment ), without my written permission, or notification, as ( written in the Loans Note ) under the ( Terms of Prepayments ) of the Original Loan with XXXX XXXX in XXXX : I had no problems with XXXX XXXX pre-paying my ( regular monthly mortgage payments ) ahead of time, in fact at ( 1 ) point I had prepaid my regular monthly payments nearly ( 1 ) year in advance : Chase has a Faulty, if not Intentional Payer Online System or Webpage, that does not apply a prepaid ( Regular Monthly Mortgage Payment Early ), instead their ( Bait & Switch System ) Automatically takes your ( Minimum Payment Due ) or your ( Regular Monthly Mortgage Payment Due ) - & applies it as A Pre-Paid ( Loan Principal Payment ) without you knowing & without Chase Bank asking your Permission to do so at the ( Time of Payment ) : You later find out your ( Payment has not Posted ) correctly, & then you have to Beg by Telephone to get Chase Bank to apply your payment properly. With excuses from Chase Bank like, I ( the Borrower ) was short on their Escrow Account, so they applied the early ( Monthly Mortage Payment ) to the Escrow Fund, instead of applying the payments according to the terms of the Note : Yet Chase Bank has a separate online column or Button to Prepay your Principal or Escrow early if you choose to, So how can they mistakenly take your ( Regular Monthly Mortgage Payment ) & apply it to the Loans Principal without your Knowledge, or Approval, or by Your Online Action, then make you call them and wait for approval to correct the transaction? When Chase Bank Broke the Terms of the Note, & the Servicing Agreement, intentionally, by an illegal algorithm, or system, designed to apply ( Regular Monthly Mortgage Payments ) to your ( Principal ) without your ( Knowledge ), then ( Refusing by Phone ) to leave a Voicemail, concerning, if they will decide to apply your Mortgage Payment Properly in a timely manner in the Future? Are, they ( Chase Bank ) making money on your payments applied to the ( Principal ) rather than towards your ( Monthly Mortgage Payment ), or by stalling to apply the money properly for days or weeks, on end? Note : By reducing the balance of Your Mortgage Loan, rather than using the Money for your Monthly Mortgage Payments, Chase Bank is reducing their, portfolio exposure by paying Loans off sooner : Screen shots are available of the Chase Mortgage Web Page- Please just ask Chase to offer their Facts of My Loans Web Page - Today on XXXX Thanks for your time : )

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 7173436

Product: Checking or savings account

Sub-Product: Checking account

Issue: Managing an account

Subissue: Problem using a debit or ATM card

Company: JPMORGAN CHASE & CO.

Complaint: Debit card was lost/stolen as of XX/XX/XXXX, I reported multiple unauthorized charges made and received credit however, credit has been reversed. Transactions were made without my consent and card was not in my possession at time of purchases.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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