Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5521542
Complaint Overview
Complaint ID: 5521542
Company: Jpmorgan Chase & Co.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Alabama
ZIP Code: 35007
Date Received: 2022-04-30T12:00:00-05:00
Date Sent to Company: 2022-04-30T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have had multiple car loans with Chase Bank with no problems. However, on my loan number XXXX, Chase Bank is inaccurately reporting {$58.00} as delinquent. I had taken advantage of their Covid 19 program to extend the loan. I have made all payments on time and have never been overdue. I made my last full payment in the amount of {$260.00} on XX/XX/2022 for the payment that was due on XXXX XXXX. I realized that there was small payoff amount due so I contacted Chase Bank via phone on XXXX XXXX and paid off the remaining balance due of {$58.00} which I believed to be the finance charges from the Covid XXXX extension. While checking my XXXX credit report on XX/XX/2022. I am informed that Chase Bank reported the amount of {$58.00} as delinquent loweirng my credit score by XXXX points. I contacted Chase Bank and was informed that there is nothing that they can and will do. I have consistently made my payments on time with Chase and have had multiple car loans through the bank. Now, they are refusing to update my credit report to say Paid in full and remove the delinquency of {$58.00}. Had I been aware of a payment due in this amount, I would have most definitely made the payment before Chase considered it delinquent. I relied on making my payments via phone since I have not been able to og into my Chase loan account for over a year. Chase agents stated that normally courtesy calls are made to customers but I never received a call from them about this matter. I would not jeopardize my credit score over {$58.00}. I am requesting that my credit report be updated to show paid in full with the delinquency removed.
Frequently Asked Questions
What is Complaint #5521542 about?
Complaint #5521542 was filed against Jpmorgan Chase & Co. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2022-04-30T12:00:00-05:00.
How did Jpmorgan Chase & Co. respond to this complaint?
The company responded with: "Closed with 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.