Consumer complaint received 2023-03-26
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
In short, as this is quite taxing and the supporting documentation extensively outlines this ongoing, year+, known issue. 
I experienced hardship early in XXXX 
I initiated contact with JP Morgan Chase, and directly addressed the issue with a representative of JP Morgan Chase. 
An agreement was made with JP Morgan Chase and their representative set a standard of expectation of use of my card while I was being provided the reasonable opportunity of time to resolve the issue. 
JP Morgan Chase did not adhere to this arrangement, nor did they fulfill the expectation that the representative of JP Morgan Chase set. 
Chase prematurely froze my account without advance notice and in direct conflict with the prior agreement. 
At the time l learned about this counter productive action on Chase ' part, I was needing use of my available card balance to place an order for fine art prints to sell in XXXX of XXXX. 
The profits from that order would have resolved the situation. 
I once again initiated contact with JP Morgan Chase and directly addressed this, as well as the fact that they were directly impeding and preventing me from being able to resolve the issue in the fully known, mutually beneficial manner that was my sole desire. 

JPMorgan Chase refused to pull the call recording with the agreement, as their representative was apparently negligent in documenting per numerous, ongoing discussions with Chase, and Chase refused to unfreeze my account so that I could resolve the issue in the timely manner necessary for my overall life, work, and survival. 
JPMorgan Chase confirmed months later it had been in their power to fulfill that fully reasonable request. Despite this recorded fact ( per Chase automated disclosure on every call ), JPMorgan Chase refused to provide any form of reasonable resolution for the situation. 
They did this for full, consecutive months, all the while having full knowledge of the distress and harm they were causing to me, my health/disability, my financial situation and ongoing and accruing loss of income while I'm forced to have to continue to address this unresolved issue as Chase has been fully aware, and future during the entirety of the 7 months of direct attempts on my part to achieve the reasonable, mutually beneficial resolution, and indefinitely until this horrific degradation is finally resolved. 
I was denied accessibility accommodation for 4 months, despite my numerous requests for the duration. 
In XX/XX/XXXX XXXX, I was finally contacted by the Disability Accessibility Department. 

I was only finally allowed to have the knowledge of the existence of such a department after months of this being withheld from me, after I had to contact Chase ' fraud department to report the ongoing actions of Chase representatives for consecutive months up until that point. 

The ongoing errors and my continously being mislead by the representatives of JP Morgan Chase was confirmed by that department. 
It was also confirmed that my numerous requests, and in varying options, for the fknown, desired and mutually beneficial resolution for both parties, were fully reasonable. 

Even in the XX/XX/XXXX XXXX  conversations with JP Morgan Chase executives, it was confirmed that these reasonable requests were options. 
Despite these facts and recorded evidence in their possession, the JPMorgan Chase executive manager was combative, uncooperative, and unreasonable in demonstrating any form of willingness to finally resolve the situation. 

She chose to behave in this manner despite confirming the fact I was lied to repeatedly when I had requested that the XX/XX/XXXX XXXX call recording with the agreement and expectation of continued, unimpeded card use was set while I made payments I could afford during the time I was making efforts to resolve the situation, but Chase chose to freeze my account without notice and prevented me from doing so ; She brought to light the issue that I apparently should have recieved documentation of that original agreement. 
I was not provided with that, and despite that error on the representative of JP Morgan Chase ' part, the executive office manager still refused to demonstrate any willingness to resolve the heinous situation their company continued to subject me to. 
After months of my repeated requests that the original payment and continued usage agreement call recording from XXXXXXXX XXXX be pulled, to provide the imperative clarity needed for myself and my medical conditions to neutralize the ongoing exacerbation of my conditions resulting from JP Morgan Chase ' actions throughout, as well as for its representatives ; I was repeatedly told by multiple representatives of JP Morgan Chase that was not possible for an extended, and grotesquely excessive and fully unnecessary period. 
The executive office manager later confirmed in XXXX of XXXX, that I had been mislead, as she stated that XX/XX/XXXX XXXX call was finally pulled in XXXX of XXXX 

XX/XX/XXXX XXXX was the first time this fact was brought to light. 
This imperative information has allegedly not been documented, as confirmed on my numerous interactions from the time it was pulled in XXXX and for the full duration to that point in XXXX of XXXX 
Yet, I was denied the medically necessary clarity to listen to it with her, as was a reasonable request after such an extensive period of discrimination and continuously being mislead by the representatives of JP Morgan Chase, as this would alleviate the extremely distracting hyperfixation solely resulting from the ongoing, fully known distress and harm that was being inflicted on me for the full duration of the seemingly unrelentingly negligence by JPMorgan Chase to accurately address and document concerns and interactions for months, while failing to resolve the known issue or perform due diligence throughout. 

The JP Morgan Chase Executive Manager told me it was not medically necessary. 
She stated this as fact, without providing her medical credentials and without having my medical history, beyond the times I was subjected to severe degradation by feeling I had no choice but to have to share extremely personal and private information with representatives of JP Morgan Chase prior to the executive manager making this false statement, and which she was not qualified to make. 

Despite this, JP Morgan Chase has still refused to resolve the situation at all in the known, fully reasonable manner that was required. 
Per physical documentation, they have continued to violate the cease and desist of contact, after harassing me despite previously and clearly being made aware of the harm their actions were causing to my health and the financial loss being caused to me while they refused to resolve the situation I was forced to deal with and address, instead of being permitted to focus on my obligations to better my circumstances and life. 

With this, they have continued to falsely report the debt they caused by choosing to prevent me from resolving the situation myself. 

All while denying me covid-19 hardship assistance advertised that would be REASONABLE for my circumstances, as fully known to be imperative per numerous recordings and written documentation in their possession for the duration of this situation. 

I even inquired about financial grant programs they offer. 
Their website advertises grants, and boasts about helping a male artist achieve his dream and buy a house. 
JP Morgan Chase apparently felt that male artist was deserving of help. 
Yet obviously, based on my extensive first hand mistreatment by JP Morgan Chase ; JP Morgan Chase 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hence the FULLY KNOWN FACT my survival and safety fully depends on my having good credit and being able to do what is within my known, documented medical limitations to make money to be able to move away and to somewhere I will finally be safe from this person. 
I was put in a position to have to share this with JP Morgan Chase out of desperation to finally recieve bare minimum service, and yet they made the informed decision to set this life necessity back even further. 
Yet, all I have been doing for years is to try to rebuild my life and the business set back by that atrocity. With documentation of my efforts and progress ; it seems to be jp morgan chase 's official stand point that I have not been even deserving of confirmed, fully reasonable assistance to have the opportunity to do what was within my limited power and capabilities to resolve a situation in a mutually beneficial manner ; For me to make the payments I could afford, make purchases for my work and business, thus the profits would resolve the situation, and the card balance would get paid down, and both parties benefit for the greater good. 

JP Morgan Chase refused this. 
That is a fact. 

This discriminatory and harmful situation, that remains unresolved over a year after JP Morgan Chase made the fully informed decision to directly, fully prevent me from resolving myself, as I was able in XXXX XXXX XXXX and has continued for all the months since despite my documentated, diligent and extensive efforts ; needs to finally have a satisfactory resolution.

Company response to consumer: Closed with explanation