Credit card -- Incorrect information on your report -- Complaint #18069617
Complaint Overview
Complaint ID: 18069617
Company: Jpmorgan Chase & Co.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Arizona
ZIP Code: 85747
Date Received: 2025-12-01T12:00:00-05:00
Date Sent to Company: 2025-12-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a complaint regarding an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ) by Chase Bank related to their XXXX XXXX Rewards card. In XXXX, the XXXXChase interface automatically switched my default payment method to a dormant Chase card without my explicit consent. This 'dark pattern ' UI change caused a charge to land on an unmonitored account. Chase then failed to provide adequate notice of the delinquency. Because the account had been dormant, I reasonably believed the generic letters were phishing attempts or marketing solicitations. The moment I discovered the error ( which was caused by their deceptive UI switch ), I paid the balance in full immediately. I sent a certified letter through USPS to Chase on XX/XX/year> explaining the details of the problem. I received a phone call in response on XX/XX/year> from the Chase Executive Office regarding this matter. She acknowledged the situation but stated she " can not " update the reporting, citing FCRA accuracy requirements. I contend that reporting a delinquency on a debt created through deceptive payment switching is, by definition, inaccurate and unfair. Chase is hiding behind 'accuracy ' to penalize a consumer for their own confusing user interface.
Frequently Asked Questions
What is Complaint #18069617 about?
Complaint #18069617 was filed against Jpmorgan Chase & Co. regarding Credit card specifically about Incorrect information on your report. It was received by the CFPB on 2025-12-01T12:00:00-05:00.
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.