Credit card -- Problem with a company's investigation into an existing problem -- Complaint #13692895
Complaint Overview
Complaint ID: 13692895
Company: Jpmorgan Chase & Co.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Nevada
ZIP Code: 894XX
Date Received: 2025-05-23T12:00:00-05:00
Date Sent to Company: 2025-05-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
This is a formal complaint against JPMCB CARD concerning a charged-off account being improperly reported on my credit file in violation of federal law. I am demanding immediate corrective action, including deletion of the account from all consumer reporting agencies and issuance of IRS Form 1099-C, if applicable. Account Information : Creditor Name : JPMCB Card Account Number : XXXX Amount Charged Off : {$8300.00} Date of Charge-Off ( if known ) : XX/XX/year> Legal Violations and Issues Raised : 1. Failure to Provide IRS Form 1099-C : Under IRS regulations ( 26 U.S. Code 6050P ), financial institutions are required to file Form 1099-C with the IRS and provide a copy to the borrower when a debt of {$600.00} or more is canceled or forgiven. If the creditor claims to have charged off this account and considers the debt uncollectible, I am legally entitled to receive a copy of this form. As of today, I have received no such documentation. 2. Violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( b ) : If the debt has been canceled or discharged and a 1099-C has been filed, the continued reporting of the debt as charged off or past due is inaccurate, misleading, and in violation of the FCRA. Furnishers of information are required to report only accurate and complete information to consumer reporting agencies. Failure to do so can result in legal consequences, including statutory damages, attorney fees, and punitive damages. 3. Violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692e : If a third-party collector is involved and continues to pursue collection on a canceled debt, this constitutes a false or misleading representation of the legal status of the debt, in direct violation of the FDCPA.
Frequently Asked Questions
What is Complaint #13692895 about?
Complaint #13692895 was filed against Jpmorgan Chase & Co. regarding Credit card specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-05-23T12:00:00-05:00.
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 card) 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.