Consumer complaint received 2025-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Subject : Formal Complaint Against Chase Bank for Mismanagement of Debt Assistance Program and Ongoing Harassment To Whom It May Concern, I am filing this complaint against Chase Bank due to their gross mismanagement of my debt repayment plan, which has resulted in severe financial, emotional, and personal distress. Despite following all necessary procedures to enroll in their asset management program, I continue to receive harassing collection calls, inaccurate delinquency notices, and significant credit damage due to their failure to honor their own agreements. 

Background & Timeline of Events : 1. Seeking Assistance & Enrollment in Asset Management Program I proactively reached out to Chase, asking for help with my delinquent accounts.

Chase 's asset management team counseled me, assured me that a repayment plan would be implemented, and had me sign formal documents agreeing to structured payments.

I complied fully, making at least two separate payments as required under the agreement.

2. Chases Repeated Failures & Harassment Despite my compliance, I continue to receive automated collection calls and cash due notices, indicating Chase has not properly applied my payments or processed my enrollment in the plan. 

I have personally called Chase multiple times, only to be told conflicting information and left without any resolution. 

My credit score has dropped by approximately XXXX points, leaving me in the XXXX devastating blow that further limits my ability to rebuild financially. 



XXXX. Severe Personal & Financial Consequences Due to Chases mismanagement, I have had to reduce my college course load, impacting my ability to progress in my education and career. 

The constant stress and uncertainty have taken a significant toll on my mental health and personal well-being. 

My financial future is now in jeopardy because of Chases failure to follow through on the very assistance they promised. 




Concerns & Legal Violations : 1. Potential Violations of the Fair Debt Collection Practices Act ( FDCPA ) Chase has knowingly continued harassing me with collection calls despite my enrollment in their repayment plan.

The persistence of these calls, combined with conflicting information, has led to mental and emotional distress, which could constitute unlawful harassment.

2. Potential Violations of the Fair Credit Reporting Act ( FCRA ) Chases failure to accurately process my payments has led to incorrect reporting of delinquency, severely damaging my credit score. 

If Chase is knowingly misreporting my debt despite acknowledging my repayment plan, this could be a violation of the FCRA. 



3. Breach of Contract / Bad Faith Business Practices Chase counseled me, assured me, had me sign agreements, and accepted my payments, yet they failed to uphold their obligations. 

This reckless mismanagement of my financial situation has directly impacted my livelihood, education, and future opportunities.

Company response to consumer: Closed with non-monetary relief