Closing your account

Posted on Posted in Complaints, Finance

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To whom it may concern, Im contacting you in regards to the status of my credit card with Chase bank. According to my credit history, I have paid my credit card on time since the opening of the account until I XXXX XXXX XXXX at the end of the last year. I explained these reasons to a Chase representative on the phone regarding to the financial hardship I was enduring, I wasnt able to pay the minimum balances.

 

At the time of losing my job, my status as a XXXX with a XXXX XXXX only authorized me to legally work for a single employer in the XXXX For this reason, I wasnt authorized to seek employment with any other employer.

 

I complied with the XXXX Department XXXX XXXX XXXX laws and by opening a case with the XXXX XXXX XXXX XXXX XXXX to obtain a XXXX XXXX and a XXXX XXXX XXXX . I received my XXXX XXXX card in XXXX , 2017 ; and my XXXX XXXX XXXX was approved in XXXX 2017 . These extenuating circumstances were not only beyond my control, but also prevented me from bringing the account to a current status.

 

Fortunately, with the XXXX XXXX Card I was able to find employment in XXXX XXXX , 2017 . Now, it is important to mention that Ive always had the intention to pay the whole balance of this credit card and Im working hard to repair my credit. Hence, I contacted Chase after receiving my first check in XXXX XXXX , 2017 . That day I enrolled in the XXXX XXXX XXXX with monthly payments of {$130.00} for a period of XXXX years. In concordance with the XXXX XXXX XXXX of Chase bank, I provided the information of my XXXX XXXX checking account to automatically withdraw the funds for the monthly payments. The first monthly payment ( {$130.00} ) was in fact withdrawn on XXXX XXXX , 2017 . The payment for the month of XXXX , 2017 was expected to be automatically withdrawn on XXXX XXXX . Even though the funds were available in my bank account, the money was not withdrawn.

 

Being XXXX XXXX , 2017 was a Friday, I thought the payment would post on my bank account the following business day ( which, due to XXXX XXXX , fell on XXXX XXXX ). But it didnt post. I tried to then use the online banking to submit the payment, but the online banking had been closed and I no longer have access to submit online payments.

 

Ive been trying to resolve this matter during this week, and after finally getting a hold of Chase, I was advised that my account has already been charged-off and sent to collections with XXXX XXXX . As I continue work to recover from this financial hardship, I find this very unfair because : 1 ) I had the funds available in my account for them to withdraw the payment but they did n’t attempt to charge my account. 2 ) They did n’t contact me before charging off the credit card. 3 ) They did n’t send a notice by mail or email or text message to contact them to re-mediate the mistake. 4 ) As Chase did in fact withdraw the first payment of the agreed payment plan, that would show their acknowledgment of the arrangement, failing to disclose their intention of the charge-off and resulting in additional credit damage and/or debt.

 

I also took action by calling Chase at XXXX , on XXXX XXXX , 2017 , but their credit cards department was closed. Their call center was only working for saving and checking accounts. ( I have a record of these call on my phone ). Finally, Chase call center was working on XXXX XXXX . I reached a supervisor XXXX XXXX XXXX with code XXXX who works at the XXXX . of XXXX XXXX Texas. He opened an investigation on why my credit card was charged off and told me to follow up on his findings. I called again the next following day XXXX XXXX , 2017 and he told me that my account was now with XXXX XXXX . I find this decision very discouraging and unfair, since none of this would have happened if they had withdrawn the payment from my account in accordance with the XXXX XXXX XXXX .

 

For the reasons explained in this letter, I kindly request to reverse the charge-off on my account and allow me to get back in the XXXX XXXX XXXX . Please consider the whole scenario : my payment behavior before I XXXX XXXX XXXX , my inability to pay when I was XXXX due to not having a XXXX permit, my current job and my intention to pay this debt. I was enrolled in automatic payments for the XXXX XXXX XXXX , and dont understand why my account wasnt charged as agreed. Please notice that I have the funds in my account to cover the monthly payments and there might be a misunderstanding. A charge-off like this would severely impact me financially in the future. Please keep in mind that if you approve my request, and now being employed and having the legal authorization to work in the XXXX , I will honor my commitment to this program.

 

Thank you for your time and consideration,

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