Product: Credit reporting, credit repair services, or other personal consumer reports

This is an Appeal of Previous cfpb closure of Previous complaint JPMORGAN CHASE AND COMPANIES, HEADQUARTERS ATTN : EXECUTIVE OFFICE, COMPLIANCE DEPARTMENT XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX : APPEAL LETTER, CFPB COMPLAINT NO. XXXX Background : I submitted a cfpb complaint regarding payment history, e.g. late payment & whether I authorized a hard inquiry on my credit report. The cfpb complaint number is XXXX. After the cfpb received your response to my complaint, it was closed. Please consider this an appeal. 
Your response submitted to cfpb on XX/XX/XXXX : a. Your introduction raises issues whether the account was fraudulent and its validity. I mentioned that a hard inquiry was made on my record regarding this account. You requested identification, and I sent it to you. The account was reopened, thus concluded that I was liable for the account. 
b. You later states that you reviewed my credit report when I applied for credit for a credit card, and the Pricing and Terms information was presented to me before the application is submitted. You later state We enclosed a copy of the Pricing and Terms for your records. You mention information was sent to the credit reporting agencies is accurate. You state While I State I were asking us to remove late payment reporting for my credit report. 
c. You state also, Payments are considered late if not received y the due dateWhile I state I were unaware of the debt associated with this account, our research shows you were aware of the debt associated with this account, our research shows you were aware of the account and previously contacted us regarding payments. You go on to say, I called you on XX/XX/XXXX about issue of automatic payments, and I let you know why the payments were not received. You acknowledged that I did not know why payment was not received. You go on to state your records show the last payment received was on XX/XX/XXXX. A payment was made through a 3rd party bill payment service..and I needed to contact the 3rd party for more information ; and, d. Lastly, you state If I believe we did not apply a payment to your account correctly, please provide you details regarding the date and amount of the payment, so we can research further. You listed names and addresses of the four credit bureaus. 
RESPONSE TO YOUR LETTER SUMMARIZED ABOVE REGARDING MY CFPB COMPLAINT A. There are two genuine issues presented here. One, Did I allege fraudulent and its validity. This is not an genuine issue raised. 
RE : APPEAL LETTER, CFPB COMPLAINT NO. XXXX B. Whether pricing and Terms information was presented to me before the application was submitted, specifically making a clear distinction between a hard versus hard inquiry ; and, more importantly how a hard inquiry would affect my credit scoring. I now, say your Pricing and Terms Information does not meet this issue adequately requirement from a consumer standpoint. I do not have this Pricing and Terms information information, thereby I request a copy as soon as possible. The actual version available at the time of my applying. 
C. Your mentioning that I was aware of the debt is immaterial, is thus not a genuine issue raised in my complaint. 
D. Your self-serving statement stating I acknowledged that I did not know why the payment wee not received is inaccurate. I did not make this statement. This is just a self-serving assertion, nothing less. 
E. YouR acknowledgement that a payment was made through a 3rd party is not a genuine issue raised in my complaint. Stating that should contact the 3rd party is just shifting the blame or buck. 
F. You mentioning that your records show the last payment received was on XX/XX/XXXX. This statement is not validated by any records, either sent to me or the cfpb. This is inaccurate and self-serving. 
G. Your mentioning If I believe we did not apply a payment to your account correctly, please provide you details regarding the date and amount of the payment, so we can research further is merely a politically correct statement to make and thus self-serving ; and, lastly H. You have not provided any affividits of individuals within your organization responsible for writing the Pricing and Terms information, nor anyone who has direct knowledge of the decision making of the issues raised in my cfpb complaint. Otherwise, I can just say anything to meet my agenda, e.g. consumer denials when confronted with a systemic process unjustly affecting credit worthiness of millions of citizens in this country, if not, including a large portion of the world. 




XXXX XXXX Cc : cfpb