Consumer complaint received 2020-08-11
Company: JPMORGAN CHASE & CO.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed my divorce and was saddled with this credit card debt. I entered in to a credit card payment arrangement with Chase bank XXXX of XXXX to pay a {$17000.00} credit card balance. The agreement required direct access to my checking account through automatic payments/direct debits/ACH transactions. My payment was {$340.00} per month. XXXX of XXXX I developed a life threatening illness and lost my job. I agreed to a severance package for wrongful termination and XXXX benefits for 6 months. I called Chase and asked if I could make an arrangement to cut my payments in half until XXXX of XXXX. I would turn XXXX years old and would be eligible to collect my early Social Security and my pensions. The person on the other end of the phone agreed to accept 50 % of the {$340.00} for a total of {$170.00} per month. The Chase rep completed a voice recording of the new terms and the automatic payments/direct debits/ACH transactions continued at {$170.00} per month. I called Chase Bank in XXXX of XXXX when I received my first Social Security payment and asked them for my balance. The Chase Rep seemed to be determined not to tell me the balance on my debt, she said it was a 60 month agreement and it should never have been changed. I finally got it out of her and then asked if I could change my payments from {$170.00} back to the {$340.00} per month through automatic payment/direct debit/ACH arrangement. The Rep confirmed the arrangement through voice recording and the {$340.00} was taken out of my account that month. I continued to pay as per the arrangement/agreement. XXXX of XXXX I called to get a balance as I noticed the balance was no longer reflected on the monthly letters I was receiving. The letter only indicated the payment would be removed out of my account. So I called to get a balance and was met with a hostile attitude on the other end of the recorded call. The person initially refused to give me my balance and stated my account was charged off. 
The Rep would not give me any dates or a reason why and initially refused to confirm my payments. I explained I have bank statements and cancelled checks that were initiated by Chase as a direct debit from my account and I threatened to contact this agency The Consumer Financial Protection Bureau to get my payoff information. The Rep finally backed down and gave me the pay off information. I paid the balance in full that month and them my mother passed away a few days later XX/XX/XXXX. 
Faced with the heart ache of a burial without a funeral for my mother I totally forgot about this situation. I recently discovered my three credit reports show the Chase account as CHARGED OFF. This account was paid it in full as agreed. I have all of my checks/bank statements and Chase has all of the voice recordings as proof. 
Note : I was only able to download a few checks at a time from the XXXX website. I also have checks for XXXX, XXXX and XXXX. I attached 2 check for each year, ( XXXX, XXXX, XXXX ) however I do have ALL of the checks and bank statements for this complaint. I have to call XXXX to have the other checks mailed to me. There is a limit on how may check I can request online in one day.

Company response to consumer: Closed with non-monetary relief