Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #6810166
Complaint Overview
Complaint ID: 6810166
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: North Carolina
ZIP Code: 27265
Date Received: 2023-04-07T12:00:00-05:00
Date Sent to Company: 2023-04-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to express my frustration and disappointment regarding the negative reporting on my business credit card account with Chase Bank. The account in question has been reported as past due on my personal credit report, causing my credit scores to drop by XXXX points. This has made me ineligible for a mortgage, which has significantly impacted my personal and professional life. To provide context, I first contacted Chase Bank in XX/XX/XXXX to explain that I was unable to make a payment on my business credit card account because our vendor had not paid us. I made it clear that we would make the payment as soon as we received the funds from the vendor. However, despite this communication, the account was reported as past due on my credit report. In XX/XX/XXXX, I spoke with a Chase Bank representative about making a payment when the vendor paid us. However, the representative did not explain the terms and conditions of the account, which stated that the account would be reported as past due on my personal credit report. If I had known this, I would have made a payment in XX/XX/XXXX to prevent the negative reporting. I understand that it is my responsibility to make timely payments on my accounts, but in this case, the negative reporting was due to circumstances beyond my control. I feel that the lack of communication and explanation from Chase Bank has unfairly impacted my personal credit report and has had a significant negative impact on my life. I request that Chase Bank remove the negative reporting from my personal credit report, and take any other necessary actions to correct the situation. I have attached a copy of my credit report, which shows the negative reporting on my personal credit report. I would appreciate it if you could investigate this matter and provide a prompt response. Thank you for your attention to this matter.
Frequently Asked Questions
What is Complaint #6810166 about?
Complaint #6810166 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 2023-04-07T12:00:00-05:00.
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.