Consumer complaint received 2020-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Good evening, I applied for Chase Explorer Business explorer card with my XXXX XX/XX/2019. I was enticed and fell victim to the " mileage reward '' because I had to travel for business that summer and could use the miles. What was a bit deceiving was having to use a specific amount in order to receive the " bonus '' miles. I have a personal Chase explorer card and it has been a pleasure. However, this one has been a nightmare. The initial plan was to charge the $ XXXX required to obtain the miles and pay it off as I was aware of the variable 24.9 % interest rate that I thought would go down with on time payments. Fast forward to XX/XX/2019 and here in XXXX I had a terrible natural disaster by the name of Trop Storm Imelda. It was federally declared a disaster by FEMA as of XX/XX/2019. 43 inches of rain fell and one of my rental properties flooded. Completely wiped out my reserves on repairs and loss of rental income as I still had to repay mortgages at the end of the disaster 90 relief. I started to call Chase Business second week or so of XXXX because the repairs exceeded my reserves and I found myself using this card to help with repairs. I explained that I was experiencing a serious hardship and come a month or two I was not going to have the min payments that continued to require of me. Every payment had approx {$350.00} of pure interest every month! I begged them to help with anything they could specifically lowering the interest rate and the refused numerous times that I called. All they would do is refund me two late fees of {$39.00} prior to Covid. I went on to explain to them that my initial plan was to payoff this summer then I was hit with a huge storm. They would constantly insult me telling me that looks like I went on vacation and should have the money and basically I must be lying. I told them I had pictures and expenses to prove it. Since XX/XX/2019 I have called numerous times to get my situation resolved and every time I had to have a Supervisor " Call me back '' there was NEVER one available! No one ever called back only collection calls of which EVERYONE I spoke with in customer service or calls were just incredibly rude and just flat out horrific. Such a prestigious name in banking shouldn't hire or train this way. My home and rental property flooded and I had a loss of rental income and depleted my savings repairing. Little did they know that I took a trip for WORK I had gotten my XXXX XXXX and hadt o go to XXXX for a training!. It was despicable how I was treated. 

The interest is constantly so high I can not breathe it is constantly over the limit even when I have paid approx $ 8k! I have not used this card in 6 months or more and it is still over the limit despite me forking out over $ 2k in the last 4 months and no income with COVID! It is appalling to me that NO ONE here will treat me with respect because it is a business card??? XXXX XXXX individuals are people too! Mypersonal Chase Card has NEVER treated me this way! To add insult to injury they never reported me in good standing to my personal credit before I miss 1 month and immediately at missing this month they reported me 60 days past due and over the limit to my personal credit and have RUINED ME during this pandemic! The executive office complaint stated they had no record of my calls and only 1 in which I was offered a hardship plan, I asked where this call was?!! I want to hear this call! I want to make a reasonable resolution, but need my personal credit corrected and this removed! At this point are leaving me NO CHOICE but to stop paying them! They have already ruined me and not paying them anymore won't make it any worse! I called AGAIN today and had to " request a callback '' for a supervisor even now during Covid it was the same in XX/XX/2019! no one ever does their job here no one returns my calls. This is a HORRIBLE experience and I need help please.

Company response to consumer: Closed with monetary relief