JPMorgan Chase Credit Card Complaint

JPMorgan Chase Credit card department,

Payoff process Texas

I have been contacted on - separate times concerning balances on my credit cards. I d not normally carry balances but, because of a family emergency, I am carrying them now. In particular, I was contacted by an entity today regarding my Chase credit card. The hook '' if you will, is an offer to lower the interest rate to 6.9 % from my current 20.24 % ( unfortunate ) rate.The call progressed from a salesperson to a manager '' that will give me the specifics. The specifics are a flat fee '' as it was referred to by the manager will be conveniently charged to me in - monthly installments and will


security '' and as I question and challenge the truth about the switch, I ask them who exactly they are and how do they know about my to the penny balance, available credit, and last payment and what bank it is drawn on? I argue with the help '' they are offering, and want to see something in writing. This security '' person states that it 's already done, to which I became angry and ask how could they do that without my consent as there was no point in the conversation that I gave consent. After I stated that I would not be carrying the balance for a year,, The argumentative security '' person asks if intend to pay the balance in full within - weeks to which I answered yes. He then in a THREATENING manner says he will inform Chase. I ask that he give me his name and he hung up. The initial call was from -.My call was dropped and the manager '' called me from -. I used this number to call back and it was Chase! Option - is for lenders to obtain balances from credit card holders! I asked to talk to someone in the security department and was told that Chase does not give out this information, which I do n't believe. At one point in the conversation I stated that if it was Chase, why could n't I negotiate a lower rate for my self? I think this is very deceptive, and a means for Chase to burden it 's credit card holders with more debt and that unfortunately many people are deluded into taking the offer. Are any laws being broken here or is it just bad ethics?