Consumer complaint received 2022-06-09
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Today, XX/XX/2022 I tried contacting my credit card customer service for chase bank in hopes of receiving payment assistance via their banking app. I had to ask to speak to a supervisor but was left with no resolution and it made me highly discouraged. I have perfect payment history with my credit card for over five years. I was never informed or offered any COVID-19/ pandemic relief during the pandemic which is where most of my balance almost {$4000.00} came from. They have been charging me a huge high interest rate that does not line up with my credit score or credit and payment history. I feel that my rights are not being considered or honored according to the laws. I even tried asking if they would lower my minimum payment due ONE TIME ( still promising to make a payment on time ) to accommodate me according to my outstanding payment history & considering the length of time as a Chase credit card customer but was DENIED without second thought or reasonable alternative. I explained that I am expecting an extreme financial hardship that is out of my control due to current economy/ inflation. After explaining the DIER need for payment assistance to ensure I stay in good standings with Chase bank and my credit, they refused to fulfill their promise to customers that is stamped on the Chase Bank website. Not only did I get denied for any assistance or relief, they insisted I close my credit card account and agree to a long term payment plan with the clear intent to bind me to a unjust contract that is designed to create financial debt to customer & negatively effect their livelihood without actually disclosing that important information to the customer. They stated that they DIDNT have access to & WOULD NOT give me any factual or CORRECT information about their long term payment plan. The supervisor was only interested & dedicated to making me feel helpless with no options, backing me in a corner to pressure me into consenting/ agreeing to long term payment plan that will effect my credit in a drastically NEGATIVE way while disregarding my rights to know by purposely refusing to disclose that important info. I want them to be held accountable in every way possible legally. I am tired of the unjustified price gouging, greed, and disregard to humanity. Their unwillingness to consider relief is inhumane & I dont trust them with a XXXX. My balance wouldve been paid in full along time ago with some type of pandemic relief/ accommodation within reason and consideration. Unfortunately JP Morgan Chase Bank declined. Its not right or fair because now my livelihood and wellbeing is compromised due to unnecessary discriminatory acts against a single mother trying my best to stay afloat and in good standings with ALL payments Im responsible for. I DO NOT Have the funds right now, Ive done EVERYTHING the law says to do yet Im still searching for some type of POSITIVE JUSTIFICATION to accommodate my crisis. What am I do to? I cant even sleep because of the agony. I will be closing ALL accounts I have with Chase bank which includes checking, savings and credit after I shop around the credit card offered to me and switch to a new bank better suited for me and people like me. I would also like to inquire the possibility of a FULL REFUND every purchase APR fee charged to me from Chase Bank Credit Card services over the course of the COVID Pandemic and Economic Inflation time span since I was never informed or offered any relief assistance I was eligible for according to the fair Act or any other laws created to protect the people.

Company response to consumer: Closed with monetary relief