Consumer complaint received 2024-07-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO. (VA)

Description of the Issue : I am writing to file a formal complaint against XXXX XXXX regarding their handling of my auto insurance claim and to request compensation for the damages their negligence has caused. Below is a detailed account of the issues I have encountered : Incident Description : On XX/XX/24, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I promptly filed a claim with XXXX XXXX following the incident. 

Lack of Response : Despite my numerous attempts to contact XXXX XXXX to discuss the status of my claim, I have not received any meaningful response. My efforts to reach a human representative include : 1. Phone Calls : I have called XXXX XXXX multiple times at their main customer service number ( XXXX ) and the general customer support number ( XXXX ). Despite navigating through various menu options, I have been unable to speak to a live representative. 
2. Emails : I have sent several emails to XXXX XXXX, providing all relevant details about my claim, yet I have not received any responses. 
3. Social Media : I have attempted to reach out to XXXX through their social media channels without success.

Impact on My Financial Situation : Due to the open claim, my car loan creditor, Chase Auto, continues to expect payment for the totaled vehicle. I requested a pause in payments from Chase Auto while waiting for XXXX XXXX to process the claim, but my request was denied as they determined that my situation did not qualify as a hardship. The lack of response from XXXX XXXX has exacerbated my financial difficulties, as I am unable to resolve the claim and address the outstanding loan balance.

Credit Score Damage : The ongoing delays and lack of communication from XXXX XXXX have resulted in missed payments to my car loan, causing significant damage to my credit score. This has had a detrimental impact on my financial stability and future credit opportunities. 

Request for Resolution and Compensation : Given the severity of this situation, I kindly request the following actions : 1. Immediate assignment of a claims adjuster to handle my case.

2. Prompt communication from XXXX XXXX regarding the status and next steps of my claim.

3. Resolution of my claim in a timely manner to allow me to address the outstanding loan balance with my creditor.

4. Compensation for the damages to my credit score and the financial difficulties caused by XXXX XXXX negligence. This includes reimbursement for any additional fees or interest accrued as a result of missed payments. 

Conclusion : I seek your assistance in resolving this matter. The lack of response from XXXX XXXX is unacceptable, and the refusal of Chase Auto to offer temporary relief has left me in a precarious financial situation. The damage to my credit score and the financial stress caused by XXXX XXXX negligence warrant compensation. I hope that your intervention will prompt XXXX XXXX to address my claim swiftly and fairly. Thank you for your time and attention to this matter. 

Sincerely,