JPMorgan Chase & Co. Credit Card Complaint

Late fee

JPMorgan Chase & Co. Credit card department,

Late fee California

When I changed Chase credit payment ( always in full ) from monthly check to automatic bank withdrawal, Chase changed autopay settings from full payment to minimum payment. Although I was advised in writing in the consumer advice accompanying the card that this change is automatic, I never read it - my fault not to read the voluminous fine print. Interest charges accumulated for a few days until I realized this had happened, changed payment details to full payment and persuaded Chase to refund the interest ( $190.00 ) which they did. So far so good. But Chase reckoned somehow that there was a residual in the second month and, despite having been paid in full on time, Chase assessed a second interest charge ( $140.00 ) on -/-/2016. This charge did not appear on a statement until -/-/- and I did not notice it until -/-/-. My argument to 2 different supervisors that, having refunded the first payment Chase should also refund the second, was rejected because they claim the 90-day interval ( -/-/- from assessment to -/-/- ) had elapsed. I claim that the interval should begin on -/-/- when I was first notified, unsuspecting that there would be any late charges because all payments after -/-/- were made in full on time. Chase expressed sympathy and I believe would have refunded but for the way they calculated 90 days. They refused refused to reconsider, we did not reach agreement and we left the matter unresolved, except they have the money.

JPMorgan Chase & Co. customer in California
Nov 25, 2016

* Source: CFPB Complaint Database

JPMorgan Chase & Co. response to complaint:
Closed with monetary relief

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