Consumer complaint received 2017-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

To whom it may concern, Im contacting you in regards to the status of my credit card with Chase bank. According to my credit history, I have paid my credit card on time since the opening of the account until I   XXXX   XXXX   XXXX   at the end of the last year. I explained these reasons to a Chase representative on the phone regarding to the financial hardship I was enduring, I wasnt able to pay the minimum balances.  <P/> At the time of losing my job, my status as a   XXXX   with a   XXXX   XXXX   only authorized me to legally work for a single employer in the  XXXX  For this reason, I wasnt authorized to seek employment with any other employer.  <P/> I complied with the  XXXX  Department  XXXX   XXXX   XXXX  laws and by opening a case with the     XXXX   XXXX   XXXX   XXXX   XXXX     to obtain a   XXXX   XXXX   and a   XXXX   XXXX   XXXX  . I received my   XXXX   XXXX   card in  XXXX ,  2017  ; and my   XXXX   XXXX   XXXX   was approved in  XXXX   2017 . These extenuating circumstances were not only beyond my control, but also prevented me from bringing the account to a current status.  <P/> Fortunately, with the   XXXX   XXXX    Card  I was able to find employment in  XXXX   XXXX ,  2017 . Now, it is important to mention that Ive always had the intention to pay the whole balance of this credit card and Im working hard to repair my credit. Hence, I contacted  Chase  after receiving my first check in  XXXX   XXXX ,  2017 . That day I enrolled in the  XXXX   XXXX   XXXX  with monthly payments of {$130.00} for a period of   XXXX   years. In concordance with the  XXXX   XXXX   XXXX  of Chase bank, I provided the information of my   XXXX   XXXX    checking account to automatically withdraw the funds for the monthly payments. The first monthly payment  ( {$130.00} )  was in fact withdrawn on  XXXX   XXXX ,  2017 . The payment for the month of  XXXX ,  2017    was expected to be automatically withdrawn on  XXXX   XXXX . Even though the funds were available in my bank account, the money was not withdrawn.  <P/> Being  XXXX   XXXX ,  2017    was a Friday, I thought the payment would post on my bank account the following business day ( which, due to  XXXX   XXXX , fell on  XXXX   XXXX  ). But it didnt post. I tried to then use the online banking to submit the payment, but the online banking had been closed and I no longer have access to submit online payments.  <P/> Ive been trying to resolve this matter during this week, and after finally getting a hold of Chase, I was advised that my account has already been charged-off and sent to collections with  XXXX   XXXX . As  I  continue work to recover from this financial hardship, I find this very unfair because : 1 ) I had the funds available in my account for them to withdraw the payment but they did n't attempt to charge my account.   2 ) They did n't contact me before charging off the credit card.   3 ) They did n't send a notice by mail or email or text message to contact them to re-mediate the mistake.   4 ) As Chase did in fact withdraw the first payment of the agreed payment plan, that would show their acknowledgment of the arrangement, failing to disclose their intention of the charge-off and resulting in additional credit damage and/or debt.  <P/> I also took action by calling  Chase  at  XXXX , on  XXXX   XXXX ,  2017 , but their credit cards department was closed. Their call center was only working for saving and checking accounts. ( I have a record of these call on my phone ). Finally, Chase call center was working on  XXXX   XXXX . I reached a supervisor  XXXX   XXXX   XXXX  with code  XXXX  who works at the  XXXX . of  XXXX   XXXX  Texas. He opened an investigation on why my credit card was charged off and told me to follow up on his findings. I called again the next following day  XXXX   XXXX ,  2017    and he told me that my account was now with  XXXX   XXXX . I find this decision very discouraging and unfair, since none of this would have happened if they had withdrawn the payment from my account in accordance with the   XXXX   XXXX   XXXX  .  <P/> For the reasons explained in this letter, I kindly request to reverse the charge-off on my account and allow me to get back in the   XXXX   XXXX   XXXX  . Please consider the whole scenario : my payment behavior before I   XXXX   XXXX   XXXX  , my inability to pay when I was  XXXX  due to not having a  XXXX  permit, my current job and my intention to pay this debt. I was enrolled in automatic payments for the  XXXX   XXXX   XXXX , and dont understand why my account wasnt charged as agreed. Please notice that I have the funds in my account to cover the monthly payments and there might be a misunderstanding. A charge-off like this would severely impact me financially in the future. Please keep in mind that if you approve my request, and now being employed and having the legal authorization to work in the  XXXX , I will honor my commitment to this program.  <P/> Thank you for your time and consideration,