Consumer complaint received 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (OK)

XX/XX/XXXX I received a letter from Chase with a payoff of XXXX offered or broken into XXXX payments. If I was struggling make minimum payments how was this reasonable? I have repeatedly asked for hardship and have been denied. I tried to inform the person that I was unable to pay and had been trying to pay but online access has been denied. The XXXX was XXXX and rude and cut me off to try and explain if I didn't have the funds then I could call back when I did. I said I didnt have the ability to pay the amount and could not make a payment since online was cut off- they replied I have their address and know where to send a payment. 

No offer to work with me, no offer to set up a plan that is reasonable for my siutation. 

it should be noted, prior to my hardship I paid far over minimum balance due and had maintained an excellent payment record. 

XX/XX/XXXX my XXXX and I filed for XXXX after years of XXXX he cut me off. My mother was helping me to cover expenses XX/XX/XXXX my mother unexpectedly died in her sleep and I found her the next day XX/XX/XXXX I called to say I could not pay and the solution was credit counseling. I didn't NEED counseling, I manage a budget just fine and have used XXXX for years, but when there is no income there is no ability to pay. I asked for a reduction in percentage rate or hardship and was denied. 

XX/XX/XXXX I started a XXXX year XXXX XXXX internship to complete my XXXX XXXX. I work XXXX hours a week in XXXX XXXX XXXX AND maintain a XXXX credit hour course load. I am a FULL TIME XXXX mom of teenagers and was trying to find time overnight to ear money. I average XXXX hours a night of sleep. Their dad has not used visitation since XXXX of XXXX making me a SOLO parent. 

XX/XX/XXXX, my savings ran out and I starting selling my furniture to make ends meet. 

XX/XX/XXXX, I stopped all credit card payments in order to cover attorney fee 's XX/XX/XXXX I was given a little extra cash and tried to offer a settlement and was refused. I proivded those funds to another card I was behind on who settled for the amount I offered to chase and then to XXXX. 

XX/XX/XXXX XXXX  loan was paid out and I once again offered a settlement and was denied- no attempt to assist in hardship, reduction of late fees, nothing. 

XX/XX/XXXX I spoke to XXXX and was told I needed to speak to collections department. 
I spoke with XXXX and was not offered any settlement or assistance XX/XX/XXXX I called and the automated system did not recognize me, my social or my credit card number. Online access is not available. 
XXXX XXXX Client services rep refused to provide Associate ID - Told me it was against company policy to do so Called XXXX XXXX - refused to provide associate ID said only customer service provided them. 
Called XXXX no answer Called XXXX automated system just goes in circles I am unable to gain access to my online account - they have denied me access and when I call they refuse to assist me with access and will not provide me with associate ID information or anyway to communicate with anyone who will. 

Finally XXXX XXXX- in XXXX department Asked for hardship and she didnt understand what it meant - so I explained I had financial hardship and asked for hardship department. No help I have been TRYING to do the right thing and Chase has made it impossible. 

I have NO income. 
I have NO XXXX XXXX in place for XXXX XXXX XXXX XXXX I am NOT finished with my internship I am NOT finished with my XXXX XXXX I am FORCED to sell a home that is in my ex spouses name and will not receive proceeds I have sold my furniture, all jewelry and personal belonging XXXX to make ends meet. 

I have repeatedly asked for chase to work with me and have been denied. I have made an effort to try to come to a solution and have been denied, refused, talked down to, belittled and disregarded. As someone who never paid late until I did, who always paid MORE than owed- it is a disgrace at how you treat a customer going through a MAJOR hardship. 

I am facing XXXX now and that is 100 % due to XXXX XXXX that was perfect until late fall of XXXX. 

I am going to send {$100.00}, which is the last of what I have to my name, but at some point Chase will try to claim I didn't try to do the right thing - Chase is like my XXXX XXXX XXXX ex - preying on people in bad situations and unwilling to take responsibility for making things worse. 

Chase COULD have reduced my interest rate. 
Chase COULD have stopped adding late fee 's Chase COULD have helped to come up with a temporary payment solution instead of compounding a horrible situation and making it worse. 
Chase COULD waive thise fees still and work with me, but it seems that chase is about greed and not human decency. That is a real shame. As someone who can and will eventually have a job and career after XXXX years if being XXXX by a XXXX XXXXXXXX I am trying to gain MY freedom and chase is standing in my way to living. 

Sad. UnAmerican, pathetic. Way to keep single women as servants and slaves to men - It has only been in my lifetime since women could leave their husbands and have any chance of life, and here Chase is perpetuating the patriarchal shoving down of women in need. 

Perhaps you would prefer me to go back and take the whippings an beatings like a slave used to get from their master. Figures.