I am a consumer whose WAMU credit card accounts were acquired by JP Morgan Chase. When I was redirected to the Chase online site to pay my accounts, I had to complete some basic information including the account from which I will pay my bill. I misunderstood the directions and entered my debit card instead of the bank account number.
I received a 'congratulations' screen that directed me to the payment forms. I paid on both of my accounts. At this point, I received no alert telling me that my account numbers were not acceptable.
However, the payments could not be processed and Chase levied a return check charge and a late payment charge on both accounts (total of $156.00). ADDITIONALLY TWO LATE PAYMENTS AND TWO RETURNED CHECK CHARGES WERE RECORDED ON MY CREDIT RECORD!
As soon as I discovered the charges, I immediately made payments to bring my accounts current.
I contacted Chase numerous times and explained my error, requesting that they reverse the charges and fix my credit report. THEY HAVE REPEATEDLY FLATLY REFUSED.
They got $25 billion of taxpayer dollars and are unwilling to make adjustments due to a simple misunderstanding of a new customer.
Is there anyone who can monitor this type of behavior? Is there anyone who can assist me with this issue? Right now is not a time to hit consumer's credit records with bogus, trumped-up charges!!
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