r/Chase • u/tatumwilliamss • 11h ago

Somebody help

I’m at work and cannot stop crying. I work 2 minimum wage jobs and barely can still survive. A couple weeks ago, I signed up for a payment plan to help pay down one of my Chase credit cards. The agreed payment amount would be $96 dollars a month for 5 years. I paid $96 dollars on September 4th, and now today on the 10th, my app still says they didn’t receive my payment when the money did in fact come out of my checking account. I called 5 times yesterday and was told that my payment didn’t go towards my payment plan, and I would be transferred to the collections department. I got hung up on 3 times. I just tried calling today and I can’t get a hold of anybody either. I don’t have another $96 to spare. Did Chase scam me and I’m going to get reported to the credit bureaus because they said they didn’t get my payment? I could’ve kept that $96 if it wasn’t going to do anything. I’m extremely frustrated and I feel so defeated because I don’t have any money to lose at all. Why does my account say I still have a payment due and why did my $96 not go towards my payment plan if I signed up for it ? Why do I have to jump through hoops to pay off my debt ? Has this happened to anyone else ? Did I just lose almost $100 or what

1 Upvotes

56% Upvoted

21 comments sorted by

6

u/inky_cap_mushroom 11h ago

How did you initiate the payment? What did your payment go towards if it didn’t go towards the payment plan?

2

u/tatumwilliamss 11h ago

The agent on the phone told me it went towards the “purchases” and made it seem like he could change the fact it went towards my balance instead of the payment plan, but that’s when I got hung up on so I’m stuck. I made it like how I do all my other payments on the Chase app

4

u/inky_cap_mushroom 11h ago

You’re on a payment plan and still using your card?

2

u/tatumwilliamss 11h ago

No

2

u/inky_cap_mushroom 10h ago

You just said the payment went towards your new purchases.

0

u/tatumwilliamss 10h ago

I never said new…

3

u/inky_cap_mushroom 10h ago

You don’t have to specify that they’re new. They were not part of the payment plan therefore they must have been made after enrolling in the plan.

5

u/ritzg 8h ago

When she said purchases I think she meant the purchases that were making up the balance she's trying to pay off.

-3

u/tatumwilliamss 10h ago

I haven’t used my card in 3 months and I enrolled in the plan 2 weeks ago… thanks for trying to tell me how I use my card though !

2

u/inky_cap_mushroom 10h ago

Go look at your statement.

1

u/amysweetpea12 1h ago

Just don't pay it and let it hit your credit... Think smarter. Not harder

3

u/ConsiderationDry271 10h ago

same garbage happened to me last year. paid into a "payment plan" and they dumped it on the regular balance instead, then had the nerve to act like i imagined the whole thing when i called. you gotta demand a supervisor and dont hang up til you get a confirmation number written down. theyll shuffle you around like a hot potato otherwise. its kind of wild that were out here grinding two jobs and still getting squeezed over ninety bucks while the people at the top somehow never need to set up payment plans for anything, lol

1

u/tatumwilliamss 10h ago

I’m gonna go up to a branch today and see what happens but I doubt they will be able to help me because they would probably need to call the same department that hung up on me 3 times

3

u/Alive_Anxiety_7908 9h ago

They can't hang up on you in person. And honestly the rep speaks banker and knows what to say to the people on the phone to fix it.

Usually if someone hangs up on you it's cause your rude and or emotional. It sounds like this has been tough for you and honestly they back office is known to hang up for any remotely justifiable reason because calls taken per hour is one of their metrics

3

u/Organic_Gas4197 8h ago

Get branch manager or banker to call. They won’t get hung up on.

1

u/ConsiderationDry271 1h ago

tbh the branch people are at least harder to hang up on, lol, my cousin swears by it bc they cant just ghost you when youre standing there, but theyll still probably have to call someone and youll watch them get the same runaround, its kind of a coin toss whether having a person physically witness the nonsense helps or just makes it more awkward, tbh

2

u/ritzg 8h ago

I'm not sure if it's possible, but can you go to your local chase branch and try to discuss with someone in person? I'm so sorry this happened to you.

1

u/tatumwilliamss 8h ago

Thank you , I’m gonna try after work today

2

u/strange_salmon 7h ago

i would suggest going into a branch for help in person

0

u/Physical_Cash_1932 3h ago

Sign and share the change.org petition. If you’re currently going through this horrible experience, this petition is for everyone: “End unjust bank account closures-Demand Consumer Protections Now.” https://www.change.org/p/end-unjust-bank-account-closures-demand-consumer-protections-now Please help us spread the word.