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超额收费,摩根大通遭加密货币用户百万索偿

如果说Jamie Dimon之前不相信因果报应的话,现在他应该信了。

摩根大通(JPMorgan)因在并未提前通知的情况下向加密货币投资者收取额外费用以及利息而面临集体诉讼。怪不得我们需要去中心化的改革了。

今年年初,该银行禁止用信用卡购买加密货币,当时其以预借现金的形式处理加密货币买单的方式也引起了不小的争议,因为这种方式需要付出更高的费用。摩根大通CEO Jamie Dimon曾称比特币是欺诈,而如今欺诈这一点却在他自己身上应验了。

原告Brady Tucker表示,与信用卡支付相比,通过预借现金的方式购买加密货币,摩根大通会收取额外的费用以及更高的利息。摩根大通的客户表示抗议,而这家银行却无动于衷。

摩根大通某发言人说,该银行已经禁止信用卡购买比特币和其他竞争币,因为“存在信用风险”。然而,他指出,用户依然可以通过与他们活期账户关联的借记卡来购买加密货币以避免支付额外的费用。摩根大通不是唯一一家禁止信用卡购买比特币的银行,从今年开始,美国银行和花旗银行等大型银行都采取了同样的措施。

与此同时,原告在被收取额外费用之后开始反击,包括超过140美元的费用以及20美元的利息。

据诉讼书,有数百甚至上千位摩根大通客户同样被收取了额外的费用。

在决定发起诉讼之前,Tucker联系了摩根大通的客服,要求他们返还这笔费用,但却无功而返。

Tucker的代表律师表示摩根大通违反了《借贷信用法》,该法案用于保护消费者免受不公正的信用卡操作的影响。法案要求金融机构必须以书面形式通知客户任何有关于条款变更的信息。

这场诉讼案要求摩根大通赔偿100万美元。

If Jamie Dimon didn’t believe in karma before, he may be a believer now.

JPMorgan has been hit with a class-action lawsuit on allegations of tacking on unannounced layers of fees plus interest after pulling the rug out from under the feet of cryptocurrency investors, according to a Reuters report. No wonder the decentralized revolution is upon us.

The bank put the kibosh on credit card purchases for cryptocurrencies earlier this year when it also sparked controversy by treating crypto purchases as cash advances, the latter of which command higher fees. JPMorgan CEO Jamie Dimon infamously called bitcoin a fraud a while back, and now those words are coming back to haunt him.

The plaintiff, Brady Tucker, is from Idaho and the lawsuit was filed in a New York court. He alleges that JPMorgan charged additional layers of fees and much higher interest on the cash advances versus what they charge for credit card purchases. Customers cried foul, but the bank refused to budge.

A Chase spokesperson told Reuters that while the bank placed a ban on credit card purchases for bitcoin and altcoins, they did so “because of the credit risk involved” and pointed out that customers could still use their checking account-linked debit cards for purchases and bypass fees. JPMorgan wasn’t the only bank to ban credit card use for bitcoin, as Bank of America, Citi and others took similar action amid a pullback in the bitcoin price in the new year.

Meanwhile, the Plaintiff is fighting back after being charged these extra fees, including more than $140 in “fees” and another $20-plus in sudden interest charges tied to nearly half-a-dozen transactions right about the same time Chase implemented the ban.

According to the lawsuit, there are “hundreds” and “possibly thousands” of other Chase customers who were similarly met with these unexpected fees in their accounts. While the suit may be about the fees, it wouldn’t be surprising to learn that it’s also about the principle.

‘Stuck It to Him’

Before turning to the law, Tucker reached out to JPMorgan Chase’s customer service and afforded them the chance to remove the charges, to no avail. Instead, the lawsuit says the bank “stuck the plaintiff with the bill, after the fact of his transactions, and insisted that he pay it.”

Tucker’s attorneys are arguing a violation of the US Truth and Lending Act, which is designed to protect consumers from “unfair credit billing and credit card practices.” It also says that financial institutions must inform customers of any changes to the terms in writing.

The class action lawsuit is seeking damages of $1 million.


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