Consumer complaint received 2017-05-14
Company: JPMORGAN CHASE & CO.
State: IN
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

Complaint:
To Whom It May Concern : I XXXX XXXX, am filing a disputed complaint against the entity of JP Morgan Chase/Banking Institution regarding several various executive personnel 's of theirs. However, in XX/XX/XXXX, I contacted there credit card department and advised their personnel 's that this would be my last payments on both accounts and in further, explained my rationale of extreme financial hardships and other extenuating conditions. As such, they advised me, to go through various channels of credit counseling of affiliated entities of which I complied and commenced. However, shortly thereafter, I started to received calls from various debt collectors which I can vividly recall the many disturbing mayhem 's of their various reproach and approach regarding all their tactical approaches. Throughout it all I was able to survive that terrible experience. So, one day I reached out to JP Morgan Chase Executive Office, in the summer of XX/XX/XXXX, and conversed with a gentleman and a female and shared my extenuating financial hardships and circumstances of which was a continuation for me. I requested that they stop reporting both accounts against my credit which was hurting me, a great deal and in further, explained my rationale. As such, though, and to my surprise they complied in doing so, but between the months of XX/XX/XXXX, through XX/XX/XXXX, something urged me to check my annual credit report, and as was told by JP Morgan Chase Bank, and their executive personnel 's that they would comply and rescind those negative and derogatory reporting 's. That however, turned out to be very untrue. Again, I contacted that same office and this time I was given an earful by one of their female executives which was a very distasteful reproach and approach and was also informed that a letter was being sent out to me with an approval to do so, as well as some tax forms. I said to her then, I do n't recall coming across such letters you, claimed to have send out to me. She then replied saying, it was returned to us stating that the XXXX XXXX was no longer in service that we sent it out to. I then requested that she resend such mails to me at an east coast address of which I was residing at the time as I had moved to get a fresh start and advised her as well of such. She rejected me disturbingly and told me that I had missed out and gave me, nothing but disturbances in her customer service approach. So, here comes XX/XX/XXXX, I contacted, this time the presidents office and was told by a lady to write to  XXXX XXXX, and explain all to him my debacles regarding his executives. I said, okay, I 'll think about it. Thereafter, she said, please hold the line while I transfer you to the credit card executive department. As such, I came in contact with a XXXX XXXX, who is believed to be a manager. He said, to me, is this your first time contacting us? I said, no, I have in the past perhaps about two to three times already. He then requested some verification 's of identity and said, okay, I found both accounts under your name. So, then I proceeded by sharing all of the details of my dealings with past executives, and advised him of the same actions requested to be carried out. He then assured me, that he would be taking care of me and that if I do n't here from him by Tuesday, of next week to call him at an XXXX and extension number that he provided me with. I said, okay, and thanks for all of your time. Shortly thereafter, I received an e-mail from a XXXX XXXX, with an extension and an XXXX number with details confirming my call etc. So, a week went by and no return calls from XXXX XXXX, as he had promised and indicated to remedy all matters. Because of XXXX 's, failure I decided to touch base with XXXX XXXX, and as such, he advised me, that he is now, in charged of taking care of all my concerns and requests going forward. I said, to him, then, that this entire matter is just very strange and does n't make any sense. And why did XXXX, assured me otherwise, and now, it 's the opposite? His response was now, that he has been assigned to my case and XXXX, is in charge of taking the intake and thereafter, he then appoints me. So, that 's all he does. Because of such, misleading actions of XXXX, I decided that it was in my best of interest to rehash everything to XXXX, just to be sure that he was aware of all my query 's and making sure, he was on the same page in general. But to my surprise this was not the case with the so called new appointee. He just seemed to me the opposite with regards to all my concerned request. As, such, he informed me, that he would be reaching out to me, in about a week. He did and that turned out to be literally all for naught, and a terrible customer service nightmare. XXXX, started out as one that perceived himself to be very sincere, and also as a sales pitch person by trying to reel me in as if he would be fulfilling all my request, and along with some laughter in his deliveries. He said'st, okay, I found the one account here, and just before he proceeded any further he decided to ask of me, to verify myself. So I did. He then indicated to me that he had reached out to various research and investigative departments and so, your request is here by approved. I said, what about the other account? And why is that other account not being approved? He gave me nothing but conjectures, convoluted deeds, evasiveness, vagueness, and constant rhetorical fallacies surrounding the matter. I pressed him more, and more and it became even more apparent with the same disturbing outcome. when he saw that I was n't buying any of his pathetic lies, he then tried to patronize me in subduing. Still did n't work. Thereafter, I informed him of all my displeasure 's, and in further, informed him that I would be taking alternative steps to ensure that all my request is being fulfilled. For proof of XXXX 's, false claims I called in to XXXX, and was informed that JP Morgan Chase, did not take such measures to have both accounts deleted or anything of that effect in general. Nothing but dishonesty 's coming from their top executives. Again, I reached out to there executive office and filed a verbal complaint with a female rep that took all my intake. She then advised me, that a team executive manager would be reaching out to me in about 72 hours. As such, I received about three to four calls with voicemail messages stating start and end times when to contact a XXXX XXXX. However, I had no success each time I did so, and it was always a voicemail of his that I was getting. So, I called his executive office again, and got the same lady. She said, please hold a moment and thereafter, she advised me, that she will be sending XXXX, a message to contact me. To no avail, that call never materialized. So, I stayed the course without giving up and would leave various messages on XXXX 's phone advising him of what actions I 'm about to take. I also stated to him on his voicemail that you give times and work schedules yet you 're not picking up, and which in turn makes no sense. But, with my constant diligence, a week after I was able to converse with XXXX. However, this was just all for naught, and it became very apparent that XXXX, was not incline to remedy the matter in anyway, nor did he cared about any of the subject matter, based on his lack-luster approach, and disengagement phone demeanor and also informing me, that he has the letters that was sent out to me in XX/XX/XXXX, and now, returned to them in XX/XX/XXXX. Nothing but more dishonesty 's and convoluted deeds by top executives etc. As such, I stated to XXXX, all my dissatisfaction 's, and advised him of what actions I would be taking differently going forward. And as such, as it pertains to the terrible and disheartening experience throughout all my dealings with JP Morgan Chase, and some of their top executive personnel 's from the onset without a doubt for such, and perhaps, the biggest bank and financial institution in corporate america. Repercussions and consequences of stiff penalties of justice must be executed for false misrepresentation and for which became an act of extreme habits causing nothing but immense disturbances with such atrocious and very bad norm of practices etc.

Company response to consumer: Closed with non-monetary relief