Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Creditor : JPMorgan Chase Bank , N.A . Account ending XXXX Account Type : Chase XXXX XXXX XXXX XXXX XXXX Card Complaint Date : XX/XX/year> Summary I was unexpectedly enrolled into a Chase payment plan without clear consent, despite immediately paying the full balance to {$0.00} the same week. Chase refused to cancel the plan or restore my credit limits, citing plan policy. This has severely restricted my access to credit needed for a move to be closer to my mom Detailed Narrative 1. Initial Exploration ( Early XX/XX/year> ) In early XX/XX/year>, I was reviewing my credit portfolio and exploring various options for managing my credit card balances. I visited Chase 's website and viewed information about their " Pay Over Time '' / payment plan option on my XXXX XXXX card ( ending XXXX ). I did not intend to enroll in a payment plan at that time ; I was gathering information only. 2. Unintended Enrollment Without my clear understanding or explicit consent, I was enrolled into a 12-month fixed payment plan. Within days of this enrollment, I realized I had not intended to commit to this plan, particularly in light of my upcoming move 3. Immediate Full Payoff Recognizing the commitment I had inadvertently made, I paid the entire outstanding balance to {$0.00} within the first week of enrollment, believing this would cancel the plan and restore normal account status. Moreover, I paid off all on my Chase and non-Chase cards 4. No Plan Exit Despite {$0.00} Balance Despite my {$0.00} balance, Chase did not exit me from the plan. Instead, I received letters confirming : A {$100.00} credit limit reduction ( from prior limit ; exact prior amount not stated ). A mandatory 12-month payment plan with required monthly payments of {$81.00}. Suspension of charging privileges on this card. Credit limit reductions on related accounts ( XXXX, XXXX ). 5. Chase Refused to Resolve I called Chase at XXXX and explained the situation. Chase frontline support stated that they " can not cancel the plan even if the balance is {$0.00} '' and refused to restore my credit limits, citing plan policy. 6. Ongoing Unwanted Communications Despite my {$0.00} balance, I continue to receive payment reminder communications from Chase about the plan, creating confusion about my actual payment obligations. Impact and Hardship I am relocating closer to my XXXX XXXX XXXX mom to be able to support her. I have legitimate, time-sensitive expenses coming up. My Chase cards have been foundational to my credit strategy for over XXXX XXXX. These sudden, unexplained restrictionsdespite a full payoffhave significantly constrained my ability to finance this necessary relocation. Complaint and Requested Resolution I believe Chase has : Improperly enrolled me into a payment plan without clear consent Refused to exit the plan despite a {$0.00} balance ( contrary to the plan terms in their own letters, which state the plan may be canceled by paying the full balance ) Initiated monthly payments of {$81.00} even though the initial balance on the card was {$0.00}. Where are these {$81.00} going?? Unreasonably restricted my credit access as retaliation for trying to exit the plan Failed to fairly investigate my concerns when I called customer service

Company response to consumer: Closed with explanation