Consumer complaint received 2023-10-02
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX I was offered XXXX XXXX XXXX to monitor my credit. This service was offered to me because of two massive data breaches which could lead to credit card identity theft. 
On XXXX and XXXX I received from XXXX a report of an unconfirmed address. The addresses were in Michigan and Wyoming. I have never lived in either state. I have owned a home in which I reside at XXXX XXXX XXXX XXXX, XXXX, Indiana since XXXX. I have only briefly resided in XXXX, Indiana while maintain the home in XXXX, Indiana. 
On XXXX I received from XXXX a delinquent credit payment notice ( over 30 days ). This notice was attached to an unknown Chase Bank Credit card. 
I researched all my credit cards. I found that I did have an Amazon/Chase credit card. The last activity was in XX/XX/XXXX. That account had been paid in full by a check written from my XXXX XXXX Checking Account. I checked with the bank on XXXX and received a Report Transmittal verifying that Centier Check # XXXX Account XXXX for {$53.00} had been cashed on XXXX by Chase Credit. I have always received paper notices for my Amazon/Chase Credit Card . I had never received a delinquent payment overdue for my Amazon/Chase Credit Card via mail or any other means of communication. The only reason I found this information was the XXXX XXXX XXXX. 
On XXXX I contacted Chase Bank ( phone number obtained from XXXX XXXX XXXX ) at XXXX. I told the Chase Representative ( XXXX Ext XXXX ) that I received a {$35.00} over 30 days late ( per XXXX report ) on a Chase Credit Card. I initially forgot that I had the Amazon/Chase Credit Card listed in a prior paragraph. My XXXX Account per XXXX lists 10 credit cards. JPMCB as of XXXX now lists 60 days overdue payment of {$110.00}. 
I explained to the Chase Representative on XXXX that I did not recognize any unpaid Chase accounts. The representative was told that I dispute the {$35.00} overdue payment. This representative was also informed about my concern that addresses in Michigan and Wyoming were showing up on the XXXX Report. She was told by me that I never lived in those states. The Representative was also informed that I never received by any means communication from Chase of an overdue bill. The Chase worker stated to me that I would not be charged for the disputed delinquent bill. 
I also opened a dispute with XXXX XXXX XXXX XXXX ( Report # XXXX ) upon advice from XXXX XXXX XXXX XXXX Chases delinquent bill report. 
On XXXX XXXX stated via E-Mail that my dispute had been completed. I reviewed the completed dispute to find that Chase Bank had done nothing other than report to XXXX my address had been verified. I do not know if my real Indiana address or the falsely report Wyoming or Michigan addresses had been verified. There was no mention of a resolution on my disputed overdue Chase XXXX. 
On XXXX I received an E-Mail from XXXX that my account was now 60 days overdue. The amount overdue was {$110.00}. 
I again contacted XXXX Chase Bank ( XXXX ). I talked to three different Chase workers before I was directed to someone who could help me. That worker told me that my Chase Account still reflected a delinquency of now {$110.00}. I told her that the only Amazon/Chase account known to me # was not delinquent as all three transactions in XXXX with that card had cleared by XXXXXXXX XXXX with the payee being Chase Bank XXXX 
( XXXXXXXX XXXX  Checking Account # ( Routing # ) .Check xxxx dated XXXX for {$63.00}, # xxxx dated XXXX for {$27.00}, and # xxxx dated XXXX for {$63.00}. ) That worker told me to get a Report Transmittal from XXXXXXXX XXXX  and fax it to XXXX. 
I asked that worker to speak to a supervisor. The supervisor told me the initial fax number was incorrect and to address the fax to Payment Research Operation at XXXX. She also told me to put the credit card number on the fax. I asked the supervisor why I had not received any communication from Chase Bank on an overdue bill as I commonly received bill notification via mail. The supervisor stated someone should have called me. 
I obtained on XXXX from XXXXXXXX XXXX XXXXXXXX branch The Report Transmittal requested by Chase Bank. The material requested along with a two page synopsis of my concerns was faxed to both numbers given by Chase Bank on XXXXXXXX 
Chase Account # Fax XXXX Payment Operation Research Fax XXXX I believe because of the delinquency timeline ( my last transaction on known Chase account ) that another Chase Card was used. I do not have any other Chase Card other than the Amazon/Chase Card listed in this letter. If another Chase card was used for this delinquency it was fraudulently obtained using my identity with a bogus address. 
Please resolve this issue as XXXX has downgraded my credit rating from Excellent to Good. Please notify them once this issue has been resolved. I am extremely unhappy with my experience with Chase Bank in resolving my problem. I do not want any relationship with Chase Bank. 
On XXXXXXXX  I contacted ( XXXX ) XXXX to report that my dispute resolution ( # ) was not resolved. XXXX stated they would reopen the dispute. 
I also left a message ( XXXX Ext XXXX ) with XXXX XXXX XXXX that my issue has not been resolved by Chase Bank. 
I will be sending my concerns to the appropriate Federal Agency that regulates credit cards.

Company response to consumer: In progress