JPMorgan Chase Credit Card Complaint

JPMorgan Chase Credit card department,

Delinquent account Massachusetts

Chase card services, like most financial providers, urges consumers to enroll for online statements, as it reduces costs. I enrolled to receive statements and information online, but unfortunately they do not tell you that late statements ( meaning you did not pay within the grace period ) are not sent when you elect the online/email option. For background, you should know that I had never had even a single delinquency in my - year credit history until now. Today, I have a - day late because Chase could not be bothered to send me a late notice via email nor call me as a courtesy prior to being - days late. I immediately paid the balance when contacted at - days late. Believe it or not, a single late in - years has affected my credit score and resulted in a higher rate for a mortgage I am in the process of obtaining. Had I known that I would only receive a courtesy late notice if I had kept my mail-only election, I would not have chosen the online option. I 've contacted Chase, but they have indicated that they will not remove the single delinquency and improve their online notification process. In the meantime, my mortgage will be at a higher rate. THIS IS VERY POOR CUSTOMER SERVICE. They need to improve their process.