Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11290735
Complaint Overview
Complaint ID: 11290735
Company: Jpmorgan Chase & Co.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Difficulty submitting a dispute or getting information about a dispute over the phone
State: New York
ZIP Code: 10023
Date Received: 2024-12-26T12:00:00-05:00
Date Sent to Company: 2024-12-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Last year in XXXX, I had a business credit card with Chase bank, that accumulated over {>= $1,000,000} points which was the equivalent to {$21000.00} in rewards. The bank confiscated all XXXX points and closed the account. After initiating an investigation Chase reinstated my XXXX XXXX points and returned the {$21000.00} that was confiscated. Without any notice, and no outstanding debt owed to Chase ( the account was current and had a {$0.00} balance ) Chase reported a 60 day late payment to all credit bureau 's, which has severely impacted my credit. This is inaccurate reporting as there was never a late payment, no notices sent about any said late payment and they card was less than 6 months old and closed with a {$0.00} balance. I have spent numerous hours trying to speak to someone at Chase bank and no one is willing to give any information or their names or employee ID numbers. My credit went from XXXX to XXXX. Due to the inaccurate reporting of a late payment, and failure to provide any notice, I'm requesting the falsely made late payment mark be removed from my credit report.
Frequently Asked Questions
What is Complaint #11290735 about?
Complaint #11290735 was filed against Jpmorgan Chase & Co. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2024-12-26T12:00:00-05:00.
How did Jpmorgan Chase & Co. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Jpmorgan Chase & Co.?
Yes, visit the Jpmorgan Chase & Co. company profile at readthecomplaint.com/company/jpmorgan-chase-co to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.