Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5228581
Complaint Overview
Complaint ID: 5228581
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: Their investigation did not fix an error on your report
State: Washington
ZIP Code: 99403
Date Received: 2022-02-16T12:00:00-05:00
Date Sent to Company: 2022-02-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My credit was dropped by XXXX points related to a mistake that Chase made in accordance with " The Fair Credit Reporting Act ''. I spoke with Chase on XXXX, at that time the representative told me that the 60 day late fee was an error and that they would send a letter to me for my records and remove it from my credit report. On XX/XX/XXXX, I called again twice to see when I would receive this letter and and the correction to my credit report. They could not see a late payment and assured me that this was an error on Chase 's end. On XX/XX/XXXX, I called again and spoke with a man in the Credit Reporting department. He informed me that there was a late payment, and that he could not assist in removing it. On XX/XX/XXXX, a Credit Law Litigator informed Chase was not following the Fair Debt Collections Act, The Fair Credit Reporting Act, the Fair & Accurate Credit Transaction Act, nor the Federal Trade Commission rules. It was required that Chase contact me, which they did not, that they send letters- which they did not, and that they can not continue to charge me fees when attempting to withdrawal from an unused account. On XX/XX/XXXX, I spoke with XXXX in Chase 's Credit Reporting department, she stated that letters were mailed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. She stated that these letters were mailed and when I told her that they were not, she stated that she would mail them to me. I then asked for a supervisor. I spoke then with XXXX in Credit Reporting department, who stated that no letters were mailed and that no calls were placed. She then hung up on me at XXXX. I then called back asking to speak to someone that handles complaints, I spoke with XXXX, who noted my compliant but did nothing to resolve the issue. At this time, per the litigator, I told them that we would be seeking punitive damages, all court costs as they admitted multiple times on a recorded line, statutory damages and attorney fees as is allowed.
Frequently Asked Questions
What is Complaint #5228581 about?
Complaint #5228581 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 2022-02-16T12:00:00-05:00.
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 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.