Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18074074

Complaint Overview

Complaint ID: 18074074

Company: Jpmorgan Chase & Co.

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Incorrect information on your report

Sub-Issue: Account status incorrect

State: New York

ZIP Code: 11714

Date Received: 2025-10-15T12:00:00-05:00

Date Sent to Company: 2025-12-02T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Merchant : XXXX Credit ( Owner : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total : {$10000.00} Timeline of Events XX/XX/XXXX : I was contacted by XXXX XXXX XXXX XXXX XXXX and XXXX into an agreement with their team for business-funding and credit-development services. The company represented that they could secure up to {$250000.00} in business funding and establish multiple vendor accounts. XX/XX/XXXX XX/XX/XXXX : I made payments totaling {$10000.00} to XXXX XXXX and their associated platforms. These payments were made in good faith for full-service business-funding assistance. Representatives XXXX XXXX and XXXX XXXX confirmed receipt of payment and stated that my funding applications were in progress. XX/XX/XXXX XX/XX/XXXX : Despite repeated follow-ups, XXXX XXXX provided no tangible results, no funding approval, and no documentation of vendor or credit setup. When I requested updates, XXXX XXXX repeatedly said she was checking with the funding team, but no status reports were ever shared. XX/XX/XXXX : I learned that XXXX XXXX had cancelled my business credit applications without authorization and later requested that I pay an annual renewal fee to continue. This demand was made even though no services had ever been rendered. XX/XX/XXXX XX/XX/XXXX : I continued to request updates and a refund, but my messages were either ignored or deflected. XXXX XXXX, the owner, was copied in these messages and acknowledged receipt but took no corrective action. XX/XX/XXXX : XXXX XXXX, representing XXXX XXXX, admitted in writing that the company could not fulfill the contract, stating : Given your previous chargeback on the monthly subscription, our options for providing direct, full-service application assistance are limited right now. We can, however, still offer you valuable information to help you move forward on your own. This is a clear written acknowledgment that the service I paid for was never delivered. XX/XX/XXXX ( same day ) : I sent a Formal Demand Letter to XXXX XXXX XXXX XXXX XXXX via email and XXXX XXXX, requesting a full refund of {$10000.00} within 10 business days. The letter outlined breach of agreement, services not rendered, and unjust enrichment under New York law. XX/XX/XXXX : I contacted Chase Bank to open a dispute. Chase declined to assist, citing transaction age, despite the ongoing nature of the service and the merchants written admission. XX/XX/XXXX : I am submitting this CFPB complaint with supporting evidence, including : Proof of payment Messenger communication logs XXXX XXXX written admission ( XX/XX/XXXX ) Formal Demand Letter ( XX/XX/XXXX ) Evidence that no services were rendered and the merchant refused refund

Frequently Asked Questions

Disclaimer

This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

Related Pages

• Jpmorgan Chase & Co. Company Profile
• Credit reporting or other personal consumer reports Complaints
• Incorrect information on your report Complaints
• New York Complaints
• Company Rankings
• Company Directory
• Search Complaints