Consumer complaint received 2020-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My credit card at Chase bank ending on XXXX was used for the billing period of XX/XX/2020 for XXXX at that time United state Tri State area fo New york and New jersey was devastated by a pandemic of Corona Virus Covid 19 Thousands new york and new jersey residents died and are still Dying, regular activity all schools and busissnes had to be paralized. all banks closed their branch service, During that pandemic due to emergency order and fear of death I was quarantined in my house taking care of sick relatives and children. I learned that all financial institutions including public utilities company, state and federal goverment company provided a payment relief especially for mortgages student loans and credit card payments and that not penalties were to be charged .Chase bank went public offering relief such relief was by calling a costumer service line I called that line and after hours on waiting several times I realized it was impossible to get any help, chase local branch personnerl was unavailable, Chase failed to provide billing statements by mail and Email Despite chase being closed and providing very limited  service to costumers made payments nearly impossible. they where very bussy runing a scam by charging late fees to mine and other consumers accounts during the pandemic when most of their service were no available and including their covid 19 help line .Upon filing several online billing dispute chase to this date have no responded to that billing dispute. And closed the account in adition to changing the montly minimun payment to the amount they added for late charges as part of their scam to coronavirus victims I have finally being able to speak to chase representatives. Their service is useles because they are unable to provide any correction to those unfair and dishonest busisness practices they offered to reduce 2 late payments but appears to be commited and under pressure to generate income for chase with no regard to wether it is legitimate. they acknowledge the bank was closed and phone service was nearly unavailable and that my billing was not mailed but insist that the payment had to be made regardles. That position is dishonest because they failed during those days they ware unable to provide basic service as obligated by contract therefore chase was in breach of contract chase claim that covid19 relief was available but acknowlede that it was only available by phone and online but when called the phone lines were unavailable online options showed the option was unavailable .Chase reported my account as delincuent to credit bureaus without ever mailing a bill neither attemting to help or any contact wit.chase to this date the account is close. The legitimated charges including legitimate interest charges were payed i Have made several 1 dollar payments to chase as a good faith payment pending billing dispute resolution but chase to this date refuse to acknowledge my several online submited billing disputes and in order to run it scam added those disputed late fees charges to the minimun monthly charges .Those charges are dishonest and unfair chase abuse its position as a bank and billing party to self serve its greed by charging what they planed to scam from me and not the legitimate amount. They failed to provide billing dispute and billing review. I refuse to be bullied by a bank with a legal records of dishonest busisnes practice to steal from me and ruin my credit history Therefore will take legal actions until I see some actions to bring chase to compliance with fair busisnes practice and to comply with the Law Contacted chase representative agent # XXXX. XX/XX/2020. 

Contacted chase supervisor # XXXX Name XXXX. on XX/XX/2020

Company response to consumer: Closed with explanation