Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Back in XXXX I had called to replace all 3 of my Chase cards as a precaution. I hadn't released any info, but I had received a scam call and it seemed legit since there is apparently no security at Chase and my card numbers get stolen constantly it seems. So I had spoken to the scammers for a minute while checking my app simultaneously to discover they were fake. Before the cards arrived, I called Chase customer service to see about adding one of my cards to tap to pay, before I headed XXXX miles away to XXXX XXXX XXXX XXXX XXXX in a XXXX XXXX that at best gets XXXX. I was on the phone for around 45 minutes updating my phone number and getting the all clear that morning. Drove down to not only have my payment declined. I responded to the alert letting them know it was me and not fraud. Then spent over an hour making calls that were atrocious and appealing to the employees within earshot, one with their mouth open in shock a couple of times. The poor employee assigned to me was staring in disbelief at how I was being treated and spoken to, unless I was being deliberately hung up on which happened multiple times as well. All to be told I would have to wait another week to try again. And that all of this time and money and energy I don't have to begin with was all a waste. I had to wait in XXXX for hours afterwards. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I got lost in the dark driving home, and somehow ended up lost in the XXXX XXXX XXXXXXXX XXXX with no service for an hour in the middle of the night, scared me so bad XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called TWICE before leaving The XXXX a week later and now incredibly behind in life from having to wait for the trailer. Making SURE this would not be a repeat I didn't have the ability to withstand. 3 hours later it was the same thing. I felt so bad for the kid whose hours I wasted I purchased locks and tires he would get commission for for his time, coating around {$1000.00}, if not held up for hours by me because of Chase, he could have made a lot more servicing others. Once I had the trailer, I was left with only hours to empty a XXXX ' storage unit of all my belongings by myself with extreme physical limitations. Including XXXX hours in the freezing pouring rain being without option since my locker 's time was up. I was supposed to have over a week to do all that. It was painful and stress that my chest did not need. I called about something else a couple months later and the chick on the phone randomly asked to clarify, " so this trailer plus charge is fraudulent? '' I freaked since it had absolutely nothing to do with anything, total left field comment. My brain injury stops me from being able to regulate emotions and my body aches for days getting upset because of muscle spasms and nerve damage. And I couldn't handle the ignorance. I have been attempting to flXXXX XXXX XXXX XXXX XXXX XXXX, hence the trailer. It has been enough on its own without endless mindless pain that Chase doesn't seem to mind dishing out to it's top customers. I have made 100 % payments, on time, on all 3 of my chase cards for almost a decade. I paid the minimum payment ONCE last month, because I am BUSY and constantly in the XXXX XXXX XXXX XXXX XXXX I went to pay my taxe on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. But I found out that CHASE had taken my lifeline out of the situation I was escaping. Cutting off all 3 cards. Which I had over XXXX XXXX left in credit on. And now I'm trapped and still here. Because i could even just pay them without problems. I had planned on paying them in the week before XXXX when I had time to shuffle around my liquid assets the way I wanted to. Went to my chase app to find out I couldn't login for some reason. And after EVERYTHING they put me through for that one supposedly pre authorized card swipe at the trailer store, I CANT because they only changed the phone number, after hours on the phone and verification processes, and putting me so far behind in life it's been impossible to get everything sorted. After all that they only changed my phone number on a mortgage they held for like 3 months, years and years ago, like I'm thinking close to XXXX, I haven't even owned that property in years. It's a zombie account. Not the 3 current cards that I thought I could depend on, they're a number I told them last year I didn't have anymore. This report alone has taken me so long because of my XXXX that has been pushed further than I knew a big company could be responsible for. I was making {$68.00} an hour and had planned to get back to it, but all of this has dug me into a hole I can't get out of physically and mentally, and I can't function anymore and I have been to the hospital like 7 times from the excess cortisol not helping whatsoever since tax day, finding out Chase chopped off XXXX XXXXXXXX in credit with absolutely no warning. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can not keep doing everyone 's jobs for them. If I have to call and talk to the millionth person to change my phone number, it will cause such incredible physical pain and I can't take anymore of that. And it won't get changed anyway so what's the point. My XXXX credit score was TANKED all because of Chase and their incompetence. I'm stranded in a bad situation and now unable to work. I was an amazing customer for 10 years, must have been sick of me never paying a XXXX in interest huh? If it wouldn't tank my credit any more than they already have I would close all 3 huge accounts in a heart beat. But my length of credit hit would tank my credit even more. It would have gone straight back up in 30 days time if I were able to pay them off as planned last month. Chase has done damage with missed payments and whatnot that I can't repair. I can't get in to the app pay them. I can't call to change my phone number because of the rage that will knock me on my XXXX in pain for a week. I will report that to the proper ADA line as well. They said they were going to reimburse me {$1000.00} for all the time I had wasted, where was that? I was told that multiple times. I thought it was just a given thing and trusting them with that made everything non related in my life now related to the chase take down that has become my life. Absurd.

Company response to consumer: Closed with explanation