Consumer complaint received 2021-11-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
JP Morgan Chase sent me an offer to open a Business Ink card with them sometimes in XX/XX/2021. I accepted the offer via an online application and was approved on XX/XX/2021 with a credit limit of {$28000.00}. I received the card via XXXX soon after and I began using it for XXXX XXXX. As per offer 's terms, I would have complete access to account transactions online along with e-statements and Chase 's Ultimate Rewards portal via Chase 's website. On XX/XX/2021, I received an email from Chase again inviting me to activate the Chase Business Online profile. I proceeded to register and to activate the online portal when I received a message : 'We locked your account due to suspicious activity. To Unlock, call XXXX '. I called the number and was told that I can not have an online access to my card due to past checking account closure. I explained to them that it's necessary that I be able to access my newly offered and accepted Business Ink credit card transactions and statements online for accounting and payment purposes. Also that online access was part of the offer terms! Very rudely I was told to find other means of obtaining transaction records and that they would not grant me access online to my own statements and transactions. 

After being refused online access, I also noticed that I had not received any statements by mail either. I called in again to inquire and turned out there was a payment due that very day and I was supposed to have received a statement which I never did. I made the payment online and requested that they email or fax me a statement so I can see what I'm making payment on at least. Did NOT happen. Few weeks later I re-attempted to call in and explain that I was not receiving any mail statements for some reason, and to grant me access online so I can setup automatic payments and view transactions. They refused. 

On XX/XX/XXXX I called one last time only to find out that my account had been closed by Chase for reasons the rep could not disclose, and that I will receive the reason and the detail by mail. I will also receive the final settlement statement as well since account was closed. Neither the Account closure notice nor the final settlement statement ever came. 

In late XXXX, I started receiving delinquency notices from my credit monitoring services reported by Chase. It dropped my credit score by 200 points. I immediately called Chase again to asked why they are reporting when they haven't sent me the final statement which they said they will. I had no idea what the amount was or when it was due. I asked them to remove the unfair credit reporting and in turn I will pay off any amount outstanding. They again refused. I had an exceptional credit history with no missed payments ever! Chase 's negligence into offering me a card and accepting my application and then not following their own terms and conditions of the card had a grave impact on my credit and my business. 

I had repeatedly informed Chase of issues with mailed statements which they did not take into any consideration while the account was open and in good standing. I was unable to make payments due to Chase 's lack of providing me with a statement with transaction history, payment due dates, and where to send in the payments. Chase failed to address the problem in its entirety and then proceeded to unfairly wreck my exceptional credit.

Company response to consumer: Closed with monetary relief