Credit card -- Struggling to pay your bill -- Complaint #14380807
Complaint Overview
Complaint ID: 14380807
Company: Jpmorgan Chase & Co.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-Issue: Credit card company won't work with you while you're going through financial hardship
State: North Carolina
ZIP Code: 27401
Date Received: 2025-06-30T12:00:00-05:00
Date Sent to Company: 2025-06-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Date : XX/XX/year> To Whom It May Concern, I am writing to formally request financial hardship assistance regarding my credit card account. Due to a significant change in my financial situation, I am no longer able to afford my current monthly payment obligations. Recently, my mortgage payment increased drastically due to a rate adjustmentfrom {$1400.00} per month to {$2500.00} per month. This sudden and substantial increase has placed an overwhelming strain on my already limited income. I currently earn an annual salary of {$40000.00}, which is insufficient to cover my mortgage, utilities, basic living expenses, and monthly credit card payments. I have cut back on all discretionary spending and am doing everything I can to meet my essential obligations. However, despite my best efforts, I am unable to maintain my current debt payments without falling behind on housing or utilities. I am respectfully requesting your consideration for a debt settlement or reduced payoff so I can resolve this account in good faith. I am willing to work with you on an affordable lump sum or structured payoff plan that reflects my financial reality. Please let me know what hardship programs or options may be available. I hope we can work together to reach a mutually beneficial resolution. Thank you for your time and consideration. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #14380807 about?
Complaint #14380807 was filed against Jpmorgan Chase & Co. regarding Credit card specifically about Struggling to pay your bill. It was received by the CFPB on 2025-06-30T12:00:00-05:00.
How did Jpmorgan Chase & Co. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Jpmorgan Chase & Co.?
Yes, visit the Jpmorgan Chase & Co. company profile at readthecomplaint.com/company/jpmorgan-chase-co to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.