Consumer complaint received 2015-11-23
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card
Issue: Credit determination

Complaint:
I have contacted Chase many times over the months with regard to this complaint with no resolution. I have had accounts with Chase for 15 years which I will attach here and with perfect credit and on time payments. Chase sent me an invitation for a new Slate card which I accepted with a credit line of {$5700.00}. I had a total credit line through Chase for {$27000.00}. Chase placed a 30 day late payment from me Slate card on my credit reports which I am trying to get removed. I have always paid my bills on time to Chase. This incident was not my fault as I never received any notification from Chase via paper or electronic statements. I informed them of this at the time and they were kind enough to credit the {$25.00} late fee and they understood the situation. Months later I found out that they placed a 30 day late on my credit reports which I am now trying to get removed on account ending in XXXX. 

After months of trying to get this resolved I became very frustrated and upset with Chase and ended up closing all my accounts with them which I knew would take a hit to my credit. After taking a breather I reached back out to Chase to ask if they would reinstate my XXXX Marriott Chase account as I used this account a lot for business but also stated they could keep the other accounts closed. I was then denied credit for my Marriott account which made no sense to me when my credit was perfect. So I reached out to Chase again only for them to inform me I had delinquent credit through them from year 2000. I had no idea what they were talking about and asked them if this was really the case why in the world would you issue me credit after the fact with a total credit line of {$27000.00}. I then reached out to the Chase Executive Office to figure out what was going on and received a call back. Chase then agreed to reinstate only my Marriott account but not any of my other accounts. I only asked for the XXXX account to be reinstated so I was okay with that. It still however makes no sense and seems to me there is some sort of discrimination going on here when not offering me my credit back. I have been in banking for a very long time, working at XXXX, XXXX Bank, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and holding positions of Credit Manager, Credit Supervisor, Officer, VP, Underwriter, Accountant of Treasury Control and have never seen or experienced so much misunderstanding and inconsideration by any financial organization like Chase. I have credit through many banking institutions, all of which would understand a situation like the XXXX I have with Chase that I am trying to get resolved but Chase just rubs me off saying they can not do anything which with my banking experience know this is an incorrect statement. 

I also had a {$9500.00} balance on my Marriott credit card account which now that Chase reinstated the account for me I paid off in full which now has a credit balance of {$52.00}. My question to Chase is this, why would I after 15 years of being a customer of Chase have XXXX 30 day late payment unless I was unaware of proper communication from Chase? If I had a late payment to Chase then why did n't Chase contact me with a letter or a call from customer service like most banking institutions do for notification? If this was really my fault then why did Chase credit my late payment and recognize and apologize by phone that I never received any statements of notification? I had this Slate card for over a year and never had a late payment. I had other cards up to 15 years with never a late payment. I am only asking that Chase recognize the possibility that maybe just maybe this was not my fault and it is possible I was never notified in anyway of this situation. I would ask that Chase take this into consideration and please remove the 30 day late off my Slate account ending in XXXX. Thank you

Company response to consumer: Closed with explanation