Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4499660
Complaint Overview
Complaint ID: 4499660
Company: Jpmorgan Chase & Co.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Problem with personal statement of dispute
State: Louisiana
ZIP Code: 704XX
Date Received: 2021-06-28T12:00:00-05:00
Date Sent to Company: 2021-06-28T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX, I made a payment to cover my XX/XX/XXXX payment. I made it through Chases automated system as I have done since XXXX of XXXX. I used the same account information and the automated system said do you want to use the same account ending in XXXX. I said yes, got my confirmation number and thought everything was fine. I went to pay my XX/XX/XXXX payment through the automated system and it asked me for my full checking info. I thought it odd and spoke with a representative before going further and they told me my payment I made on XX/XX/XXXX never went through. I had no knowledge or notification prior to this. The representative stated from Chase apologized profusely and said it was Chases error and would NOT be reported to the credit bureaus. I paid both XXXX and XXXX at that time. Now, through a credit alert I have, Ive found out they did in fact report me delinquent to the bureaus. I called today to speak with someone and spoke with XXXX and then a supervisor XXXX. XXXX tells me that the bank account information I have been using in their automated system for over a year and have been confirming ONLY the last 4 on their system has magically changed and it somehow had XXXX listed in the beginning of the account #. That because of this it was not THEIR error and could not remove. If I had entered the entire account #, I could see this but nothing changed and I confirmed the last 4 that they maintained on file for my checking account. So NOTHING changed. I feel this was reported inaccurately and has caused me harm as a consumer.
Frequently Asked Questions
What is Complaint #4499660 about?
Complaint #4499660 was filed against Jpmorgan Chase & Co. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2021-06-28T12:00:00-05:00.
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, credit repair services, 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.