Consumer complaint received 2023-06-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Dear Chase Card Services, I am writing this letter to express my deep disappointment and upset regarding the way my situation has been handled by your organization. As a long-standing customer who has faithfully maintained an account with Chase since XX/XX/XXXX, I expected to receive better treatment when faced with an unforeseen circumstance. 
On XX/XX/XXXX, I was unfortunately diagnosed with XXXX, which resulted in a XXXX XXXX that rendered me unable to work and significantly impacted my financial stability. Given the circumstances, I reached out to Chase to communicate my situation and seek assistance in managing my account. However, I was met with actions that have left me deeply disheartened. 
Despite having maintained a stellar payment record over the course of nine years, it was demoralizing to experience how swiftly my account was closed, further exacerbating the challenges I was already facing. Additionally, the subsequent reporting of the account closure to my credit bureau has further damaged my chances of achieving any financial redemption. 
In an effort to rectify the situation and fulfill my responsibility, I promptly contacted Chase to discuss my XXXX hardship and arrange for a payment. I was relieved when a representative assisted me in enrolling in a hardship program, assuring me that it would not result in any further damage to my credit and would correct the status of the previous months. It is important to note that I did not request the reopening of the account ; my intention was solely to fulfill my obligations by settling the debt owed. 
Subsequently, I diligently fulfilled the requirements of the hardship program, making payments to catch up on the past due balance. I adhered to the agreed-upon payment schedule, with the payments being automatically withdrawn from my account as arranged. 
However, to my dismay, I have recently discovered that my credit report now reflects multiple delinquencies and an incorrect past due balance. The impact of these damaging entries can not be overstated, and it is disheartening to realize that Chase has chosen to kick someone when they are already down. As someone who had dedicated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I can not adequately express the devastation I felt at being treated in such a callous manner during a time of personal vulnerability. 
I wish to emphasize that I followed the steps as instructed by Chase. I promptly communicated my hardship, fulfilled my financial obligations, and placed my trust in your organization to handle the situation fairly and responsibly. I had reason to believe that the monthly payment would persistently be deducted from my account, just as it had consistently occurred throughout my history, including the two most recent payments. Regrettably, my expectations were not met, and I find myself deeply let down by the actions taken by Chase.

Company response to consumer: Closed with monetary relief