Credit card or prepaid card -- Other features, terms, or problems -- Complaint #4905864
Complaint Overview
Complaint ID: 4905864
Company: Jpmorgan Chase & Co.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Other problem
State: Texas
ZIP Code: 77521
Date Received: 2021-11-12T12:00:00-05:00
Date Sent to Company: 2021-11-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
XX/XX/XXXX I called Chase Credit card service to speak in regards to my interest rate and also to schedule a payment I was transferred to a department that claimed that I requested to close my account which I never did. XX/XX/XXXX, I got a notice stating that my credit card was closed I called Chase to further discuss why was my account closed. Chase claims per my request, I was put on a Payment Plan Program. Which I was never aware of. They claim that because I missed XXXX $ XXXX monthly payment. That it was assume that I couldnt not keep up with making payments. They claim that per the call I made XXXX XX/XX/XXXX, they closed my credit card account. I request for XX/XX/XXXX call to be reheard ( go back into the call between representative and I ). An investigation as to why my Credit Card account was closed then started. XX/XX/XXXX Chase sent an email stating payment of {$500.00} is required to keep account open or else XX/XX/XXXX account will be closed ( - Attached email ) XX/XX/XXXX, I got a call from a Chase manager stating that conversation between rep and I was heard. That I, XXXX XXXX requested to be part of a payment program ( NOT TRUE ). Chase claimed that per that conversation, the account will remain closed and there was nothing they could do. That I would have to continue making payments on card ending in XXXX of {$150.00} for 5 years till account is paid off ( Base on Low Income Program ) XX/XX/XXXX, I called to make a payment over the phone because, Card ending in XXXX was deleted from my online Chase account. Couldnt make payment online, so I called. Chase representative stated theres no such account XXXX account was closed so therefore Representative could not take my payment. XX/XX/XXXX, I got an email from chase stating to make payment on account XXXX of {$730.00} in order to keep my account open or else account will be closed XX/XX/XXXX ( - attached email ) XX/XX/XXXX, a Chase Manger ( XXXX ) called to state that the received my cease and desist letter of no communication request however he was calling to let me know that XX/XX/XXXX conversation Between representative and I could not be heard, but they still determine that I did request for my account XXXX to be closed. Representative stated that if I would like to keep account to make payment, which I did ( attached is receipt ) of {$500.00}. XX/XX/XXXX, Chase manager XXXX, called to confirm that although I never requested for account to be closed, that it will remain closed. That I will have to continue making payment of $ XXXX monthly. I can not use card & they also wont report to turn Credit Beau. Thats because account is closed, it can not be reopened even though I made payment of {$500.00}. Chase also sent bill stating that payment of $ XXXX monthly needs to be made if not I will owe over {$20000.00} Overall, per consumer law, this is unprofessional practice and also confusing. Chase did not consider my {$500.00} payments that Ive been making on account and also did not consider the years Ive been with them nor did they considered that while unemployed I was still making {$500.00} payments to them.
Frequently Asked Questions
What is Complaint #4905864 about?
Complaint #4905864 was filed against Jpmorgan Chase & Co. regarding Credit card or prepaid card specifically about Other features, terms, or problems. It was received by the CFPB on 2021-11-12T12:00:00-05:00.
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 or prepaid 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.