Consumer complaint received 2022-08-31
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Complaint : Jpmcb bank In XXXX this year, my credit card was closed by the bank for no reason. When it was closed, it was XXXX balance, and there was no debt. I have not used the email address for contacting the bank. In XXXX this year, I was going to buy a car. The car dealer found out that I have latepay from Chase Bank, so the interest is 9 %. I couldnt believe it. I contacted the bank as soon as possible. Bank said, I had a dispute amount last year, The disputed amount was about XXXX. The bank gave me the credit in advance, but after half a year of investigation, I still need to pay the amount. During this period, the bank did not call or mail the bill to me. Just sent an email from an unused mailbox, and I didn't even know there was this bill. I paid all the payment as soon as possible, and also asked if all the payment had been paid, the bank said yes, and at the same time I asked the bank to explain the situation to the credit report center and cancel the record of late pay, the bank commissioner said They will help me contact the reporting center. After payment, the bank specialist transfered me to their company 's credit reporting specialist. The specialist said that I need to call the report center agency myself to explain the situation, and the bank will cooperate with the investigation. It took me a whole day. At the time, I contacted 3 report center, and in the end, only one report center was willing to remove the record of late pay. On XXXX, I received a reminder from my other bank that my credit was low. I checked my credit report, only to find out that Chase Bank has a late pay of XXXX. I was very angry. in the afternoon, I called the bank as soon as possible., why the credit card has already been closed, and there is still has payment, the bank said that this amount is the interest of the last XXXX payment, but when I paidXXXX, I have confirmed there are no other charges, the bank commissioner answered yes, but after 2 months there were other charges, which caused me to have a new late pay, and the bank used the same closed credit card without my knowledge To deduct the amount, I explained the situation to XXXX, the bank commissioner. XXXX 's attitude was very good, saying that after I paid the interest, she would help me contact the credit agency to explain the situation, so I paid again as soon as possible, When I paid in full, the call went to another commissioner, I wanted to ask them to explain the situation to the credit report center, the commissioner said they would not explain to the credit center, no matter what the reason for my late pay, it still late pay, they won't explain it to the credit report center. I'm very angry, I didn't mean to not pay the payment, I didn't even know the the payment, the bank only sent me an unused email, and the payment also occurred after the card was closed, and one card has been closed. If bank have any bills, bank should contact me and I will pay with other open accounts. Also when I paid for the first time, I had already confirmed that it was all over. I was very angry, and my credit points were deducted. When I found out about latepay, I paid it off as soon as possible. What shocked me was that bank attitude changed greatly before and after the payment. They told me before repayment, and They will help me deal with the points and help me. Explain the situation to the credit company. After the payment, the another one said that it has nothing to do with them.

Company response to consumer: Closed with explanation