Consumer complaint received 2018-11-17
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Approximately 8 years ago, I helped my son open a student checking account at Chase Bank. While he was younger and in school, I could monitor his checking account with the statements that came to the home. I also could see the account with my online banking app. If I called the bank, the bank would not release any information to me without my son on the phone. I dont know if this is because of internal policies or privacy laws. As time went by, my son moved out on his own and did things by himself. He didnt handle the checking account the way I would have like him to, but he was on his own. In the beginning of XX/XX/2018 I noticed on my Chase app that my sons checking account had been negative for a while. I called my son and he stated that he was moving accounts to another bank and he had some repeating drafts still coming through his account. He stated that he would take care of it by the end of the month. Sometime in the following month, I no longer was able to view his account on my Chase app. I had assumed that he had cleared his balance and closed his account. I have no other choice to believe this as Chase doesnt release information about this account to me. On XX/XX/2018 I tried to open a savings account online at Chase and was denied and given a collection telephone number. At this moment I had a good idea that my son never cleared his account. I called the number and they told me I had a balance of {$320.00}. I was not happy, but I understood that when I opened the account 8 years ago, I could be liable for something like this. I authorized the representative to debit my savings account and clear the balance. 
I asked the representative how long it would take for this to clear so that I could open an account online. The representative stated that I would probably never be able to open an account online as this chargeoff never goes away. I questioned the Chase representative on why didnt someone attempt to resolve this with me before it got charged off. She stated that they called several times. I asked what phone number she called. She could not give me the phone number that was called, but verified that it wasnt mine, but the number they had on file for that account ( aka one of my sons phone numbers ). I asked if any written notification was sent out. She stated that writen notification had gone out, but to the address on file for that account and that no written notification was sent to me at my address.

Here is my issue. Chase has reported a charge off account with my name to XXXX. I did not receive any phone calls or written notification prior to them charging off the account. This is unfair trade practices. Chase can not have it both ways. They should not be able to damage my XXXX  report when they had not provided me with any notification on the account. This causes me harm as it prevents me from opening online accounts at Chase or other institutions. The requested resolution is for Chase to remove all negative reporting that is associated with this account from my name, social security number, or other identifiable means. 
Just to be clear, I am not disputing my liability for the negative balance on my sons account. If I would have been notified of the action prior to charging off, I would have paid the balance to avoid this activity and handled this with my son directly. If Chase deems that I can not receive any communication on a account, I should not be reported to XXXX for charge off activity on this account. I have been a Chase customer for at least 8 years and keep 5 figures of cash in their bank at all times

Company response to consumer: Closed with explanation