Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CO)

I Submitted the following complaint on XX/XX/XXXX to chase bank through CFPB. 

" I am writing to file a formal complaint against Chase Bank for its failure to comply with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in relation to my credit card account. am a former member of the XXXX XXXX XXXX who separated from XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX. This separation is duly documented by the XXXX form, commonly known as the XXXX XXXX XXXX XXXXXXXX XXXX  document. Subsequent to my separation from the XXXX, I joined the XXXX XXXX XXXX XXXX in XXXX, as evidenced by the XXXX XXXX  ( XXXX ). Despite being eligible for SCRA benefits due to my XXXX XXXX XXXX XXXX XXXX  with the XXXX XXXX XXXX XXXX Chase Bank has refused to lower the interest rate on my credit card account, citing an " internal policy '' requiring a XXXX gap in service for such benefits to be applicable. This policy contradicts the clear provisions of the SCRA, which do not stipulate such a requirement. Furthermore, Chase Bank has disregarded the validity of the XXXX XXXX  and my XXXX XXXX XXXX XXXX XXXX XXXX XXXX, issued by the XXXX XXXX XXXX XXXX XXXX, as documentation of my XXXX XXXX. Both of these documents are crucial in demonstrating my eligibility for SCRA benefits. I believe Chase Bank 's refusal to apply SCRA benefits to my credit card account and its arbitrary policy regarding the eligibility criteria are unjust and in violation of federal law. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action to ensure Chase Bank 's compliance with the SCRA. Thank you for your attention to this matter. '' Chase Bank responded on XX/XX/XXXX with the following response. 

" We have reviewed your request, and we confirmed that you do not qualify for SCRA benefits. According to the SCRA benefits, the XXXX  debt must be incurred prior to being called to XXXX XXXX. Our records show that you have been on continuous XXXX XXXX since XX/XX/XXXX, and the account was open on XX/XX/XXXX. After reviewing all the information, we respectfully deny any violation of the law '' Below is my current complaint. 

I am writing to address a discrepancy regarding my military service status and its implications on the benefits entitled under the Servicemembers Civil Relief Act ( SCRA ). 

On XX/XX/XXXX, my initial XXXX XXXX period concluded, as indicated in Block XXXX XXXX  of my XXXX XXXX XXXX, commonly referred to as a " XXXX XXXX ''. This document, issued by the United States Department of Defense, signifies the XXXX XXXX XXXX XXXX with the XXXX. Subsequently, on XX/XX/XXXX, I commenced service with the XXXX XXXX, a distinct branch of the military, as evidenced by Block XXXX of my XXXX XXXX XXXX, utilized for recording enlistment into the XXXX XXXX XXXX. 

Enclosed herewith are copies of both aforementioned documents, which have been previously submitted via mail and secure message. It is pertinent to note that the XXXX XXXX period associated with the incurred debt concluded in XXXX with the issuance of my XXXX XXXX XXXX, which aligns with the Department of Defense protocol denoting separation or discharge from XXXX XXXX. Conversely, my enlistment into the XXXX XXXX transpired in XXXX, marking the commencement of a XXXX XXXX XXXX. 

I seek clarification regarding Chase 's assertion of my continuous XXXX XXXX status since XXXX, despite possessing legal documentation from the Department of Defense evidencing my XXXX  from XXXX branch and subsequent XXXX  into another. Accordingly, I request the application of SCRA benefits from my enlistment date of XX/XX/XXXX, until resolution of this matter. 

Your prompt attention to this issue and adherence to SCRA provisions would be greatly appreciated