Consumer complaint received 2021-11-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Let me first say, that I have tried to reach out to them ( Chase Freedom Credit Card ) many many times. All of these communication attempts were not successful. The problem began XXXX months ago. At the time, I had XXXX credit cards with Chase Bank. that would be this card, and Chase XXXX Business Preferred Card. But what occurred was as follows. Following XXXX larger purchases, XXXX for a rent payment of {$1100.00} and another for a computer purchase, around {$630.00}. It was advertised on their site, that I could elect a " my chase plan ''. With this plan, I would be paying these charges off, over 6 or 12 months. at the time, I thought this was a good idea. I did not know how wrong I would be. 

The balances were never taken off of the full principal balances, as advertised. Also, nowhere in their language on their website, did it indicate that once signed up for, the " My Chase Plan '' can not EVER be reversed. I tried to do this several times, to no avail. I spoke to a rep there, then supervisors. I spoke to a supervisor in XXXX. This manager stated " You can find a balance transfer card, if you would like, to avoid the interest charges that will accrue. I did this after my last wedding. I said 'interest charges, nope ' '' He actually said that. Later that next week, I spoke to another supervisor, who refused to undo the my chase plans. With these two my chase plans, I could no longer afford to pay my minimum payments. In effect, the payments were now about {$390.00} in total. 
I had asked them about payment assistance. They would not offer me that number, ever, so I could contact them directly. Again, the party line became, we can not reverse these my chase plans, sorry. I submitted an executive complaint, with them, and with my local branch, in XXXX XXXX, CA. I got a call XXXX days later, that again, they could do nothing to reverse the charges or plans on this account. But it gets worse here! 

The branch was nicer, much nicer. But after the executive complaint process, that credit line was cut, like immediately, in retaliation for the complaints. I had to contact XXXX XXXX XXXX about this issue, and apply for a XXXX XXXX XXXX. That reduced the monthly payment to {$190.00}, but I can not even afford that, with my rent being so high ( $ XXXX ). Just this Sunday, I learned that the Chase XXXX card had been cancelled as well. I spoke to a supervisor on that day, who stated that I was a " high risk '' and that b/c of the DMP, this credit line was closed, and could not be re-opened. 

so... Here I am submitting this complaint. I have been totally broke, and overdrawn since Sunday. I almost actually had a XXXX the other day, on an errand to go get food. And had to go to the ER yesterday. They did XXXX CTs and blood tests to rule out a transient ischemic XXXX. I am not kidding when I say this has all created a ton of XXXX for me, both financially and emotionally. Now, did I spend too much on these cards= YES. Was I irresponsible at times? Yes, I was. And that is what I told the branch. But as of now, I will not be able to make the next XXXX Payment. 

All of this comes back to the unfair business practice of the My Chase Plan. If it had not been for that, I would have been able to make my minimum payments, and been out of trouble. These people at JP Chase Morgan and the credit card departments, specifically, have no interest in helping consumers out. AT ALL! They are XXXX. I wanted to submit this complaint. I am facing bankruptcy, at this point. This has really messed up my health as well. I want others to know what happened to me. So they can pay off their cards and avoid these XXXX.

Company response to consumer: Closed with explanation