Consumer complaint received 2019-07-11
Company: JPMORGAN CHASE & CO.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
Hello. I am XXXX XXXX. Thank you for your help. I recently found out this year, in the beginning of XXXX, I had a credit issue showing up on my credit report. Back in XXXX, I opened an account with WaMu, with an additional authorized user. ( back then I was XXXX XXXX and shared this card with XXXX XXXX ). The card number was XXXX. Soon after I got the account, WaMu became Chase bank. I never used the card, but XXXX XXXX used it till XXXX of XXXX. The past statements show his last payment to the card was in XX/XX/XXXX. He made a last payment to it, for {$1500.00}. This paid the balance off, and he never used the card again. We went our separate ways. 

In XXXX, I bought a home and there was no issue with this card showing on my record. In XXXX, I did a refi on the same home and the issue also did not show up on my credit report. XXXX of XXXX, I did a third refi on the same home and this credit card showed up as delinquent as of XXXX of XXXX. Neither myself or XXXX XXXX have used the card since XXXX. I was told not to take care of it till after the refi, as it could hurt me during the refi. As soon as I did the refi, I contacted Chase Bank to take care of the situation. 

I first spoke with XXXX XXXX, and also XXXX from XXXX Missouri, both are a chase bank representative. She let me know there was an outstanding debt of {$850.00} left on the card that hadn't been paid, and that is why it went delinquent. It had gone 180 days pat due. I assumed XXXX XXXX had used the card and not paid it. When I spoke to him, he had told me he had not used it for years. Him nor I, are irresponsible with our debts. We have always paid our debts. For the record, I have never had an existing credit issue on my score, nor has he. I have never had an unpaid debt either. I agreed to pay the amount. I thought I was doing the right thing, by paying the balance, and this would fix the problem. 

XX/XX/XXXX, after I went through with my refi, I spoke to XXXX XXXX, to sent me an actual bill I can look at, to pay it. The bill was sent with only a balance for what I owe. No where did the bill reflect any activity of charges. I paid the bill XX/XX/XXXX, for {$850.00}. Again, I thought I was doing the right thing. {$850.00} is not a lot of money and I was happy to pay it to get this all cleared up. I had no idea this takes care of nothing or the questions I should've been asking to get it properly resolved. 

Time has passed and my credit score only got worse. I called Chase bank back and was pushed along to 3 people. They at this point shared the information with me on the account. Apparently, the card was charged of in XXXX and went delinquent in XXXX for going 180 days past due. The card had not been used for up to 5 years at this time. I was told after paying it, that there were 3 different consecutive charges made to my card, for {$200.00} even for each charge, at 3 different XXXX. I am assuming these were gift card purchases due to the even amounts. One at XXXX XXXX XXXX on XX/XX/XXXX for {$200.00}. Another, the very next day, at XXXX XXXX on XX/XX/XXXX for {$200.00}, and again, on the same day at XXXX XXXX XXXX on XX/XX/XXXX for {$200.00}. Myself, nor XXXX XXXX made these charges, as the activity of the card was later revealed to me. These charges are fraudulent. Even the nature of the activity of the charges seem fradulent. It is unlikely an individual would have to go to 3 different XXXX to get 3 gift cards, if they weren't trying to hide something. I never had a chance to argue these charges and the information was not disclosed with me until after I paid. I asked if they could delete the charge, as it is fraudulent and has already been paid anyway. I was told they did not have the ability to do that and it will be posted for the next 7 years. They did pass me on to their Fraudulent department. I was told I would be contacted the following week and sent an email. I haven't received a phone call, voice mail or email. I spoke with them XXXXout two weeks ago and have heard nothing from them.

I have always paid my bills, and have never had any credit issues. One could go back and reflect my credit history and that can be verified. I then spoke to a refi advisor, he warned me once Chase got their money it doesn't interest them to figure out my credit issue and not to expect that call. Which would seem true as they have not contacted me. That is when he gave me a link to CFPB. 

I would like this removed from my credit record. Any help would be greatly appreciated. XXXX XXXX XXXX ( Formerly known as XXXX  )

Company response to consumer: Closed with monetary relief