Consumer complaint received 2021-03-03
Company: JPMORGAN CHASE & CO.
State: AZ
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:
Due to bad service in XXXX I closed all my Bank accounts with JP Morgan Chase. I had 2 credit cards with them which they immediately reduced my available credit damaging my credit score from XXXX and reducing it to XXXX. 
I received two late payment reports for two separate JP Morgan Chase credit cards in XX/XX/2020 : A personal Chase Freedom credit card and a business credit card. I wrote a letter to dispute these late payment reports in their entirety and to have them removed from my credit reports. During the periods of XX/XX/2020 XXXX I went through financial hardship due to Covid-19 and its restrictions. I was told by a Chase employee my credit card accounts can be signed into their credit card relief & Forbearance program ( Appendix B ) and that I can receive covered accommodation which I accepted. During this period all credit accounts were paid and current as outlined in 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( iii ). I was told that under Chase accommodation program I could delay up to three payments on my personal or business credit cards since I had been affected by COVID-19. I was told during the relief period I would get : Statements showing no minimum payment due Refunded Late Fees No negative reports to credit agencies regarding late payments Still there was a mistake and were late payments were reported for both credit cards which is against Chases accommodation program and Terms and Conditions for credit cards in their accommodation program. Chase Credit Card Terms & Conditions for Covid accommodations. I am reporting Chase bank had a clerical or computer glitch/error in their system and that my accommodation was somehow not registered. I brought this error up to Chase Bank and was told to correct the issue with the credit reporting agencies as, according to their employee, they do not have a process in place to correct this errors once reported regarding Covid-19. Because of this I am requesting that all late payments reported by Chase Bank in the month of XXXX be removed from my credit report and further request that any damage to credit which occurred by Chase Bank decreasing my available credit be correctly reflected/noted, in written statement - to be an error and a mistake by Chase Bank I paid off all my Chase credit cards but due to their reducing my available credit limit and retaliatory tactics to my choosing another bank as is a consumers right I was unable to qualify for another credit card despite having XXXX debt. I applied for credit cards and was denied further damaging my credit score. It fell from XXXX to XXXX because of this which I believe is all a single issue. Chase damaged my credit and reputation due to my leaving their bank and credit agencies have been less than helpful in communication with me to correct this problem.

Company response to consumer: Closed with explanation