📧 to Maria Rascon

Maria,

Thank you for your detailed response. However, I need to point out that this information should have been provided to me when I first began asking about restructuring in October 2024. For nearly a year, I was told—including by my business relationship manager—that I needed to fall behind in order to access relief. Following that guidance in good faith is what put me in this position.

Your message frames the delinquency as though it were entirely my fault, but the record shows that Chase withheld and misrepresented information for months. That is why I do not believe I should be charged interest or penalties for the period during which Chase failed to provide a clear path forward.

Now that I finally have a concrete number, I am willing to discuss a restructured resolution. Based on both my financial capacity and Chase’s responsibility in creating this situation, I would propose a settlement in the amount of $20,000. This would close the matter fairly, without further escalation, and allow both sides to move on.

I leave the next step in your court. Please let me know if Chase is willing to engage on this basis.

Respectfully,
Logan M. Isaac