Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #14498530
Complaint Overview
Complaint ID: 14498530
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: Their investigation did not fix an error on your report
State: Texas
ZIP Code: 75181
Date Received: 2025-07-06T12:00:00-05:00
Date Sent to Company: 2025-07-06T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute inaccurate and damaging information being reported on my credit file by Chase Auto Finance ( JPMorgan Chase ). During the XXXX pandemic, I voluntarily surrendered my vehicle to Chase Auto Finance after speaking with a representative who assured me that as long as the vehicle could be resold, I would not be held financially responsible for any remaining balance or fees. Based on this verbal agreement and the financial hardship I was facing at the time, I complied and turned in the vehicle in good faith. However, more than XXXX years later, Chase continues to report an outstanding balance of approximately {$9600.00} as a monthly car note payment, which is inaccurate and misleading. This entry appears as a recurring negative account and has severely impacted my ability to obtain reliable transportation, secure housing, and live a stable life. This ongoing reporting does not reflect the agreement made at the time of surrender and is an inaccurate representation of my financial behavior. It is unfair, outdated, and deceptive, and I am formally requesting that it be removed or corrected from my credit report under the Fair Credit Reporting Act ( XXXX ). They sent a letter stating I owe, but they sold the truck. The letter they sent versus what is being reported is different. I would like this remove. I asked for a letter on what they were charging me for if the vehicle was sold and they never responded.
Frequently Asked Questions
What is Complaint #14498530 about?
Complaint #14498530 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 2025-07-06T12:00:00-05:00.
How did Jpmorgan Chase & Co. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.