Consumer complaint received 2023-05-29
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Subject : Request for Reconsideration of Late Payments Reporting on Credit Report Dear JPMCB AUTO, I hope this letter finds you well. I am writing to you with regards to the late payments that have been reported on my credit report by your company. I kindly request your reconsideration of these late payments and ask for your understanding of the extenuating circumstances that led to these unfortunate events. 

I have been a loyal customer of JPMCB AUTO ( Account # : XXXX ) for several years and have always made my payments on time. However, due to a series of unforeseen and overwhelming circumstances, I experienced significant hardships that affected my ability to meet my financial obligations. 

In 2021, I contracted XXXX and, unfortunately, it resulted in severe complications that required hospitalization. The physical and emotional toll of battling the virus, combined with the lengthy recovery period, made it impossible for me to maintain my job during that time. Losing my source of income added an enormous financial burden to my already difficult situation. 

To make matters worse, I tragically lost my beloved dog during this period. The combination of physical, emotional, and financial stress took a toll on me, and I deeply regret that I was unable to provide proper care for my pet while I was in the hospital. This heartbreaking experience only added to the overwhelming circumstances I was already facing. 

I am aware that the CARES Act was implemented to provide assistance and relief to individuals who have been adversely affected by the COVID-19 pandemic. As someone who genuinely experienced the hardships that the act seeks to address, I kindly request your consideration and assistance in rectifying the negative impact on my credit history. 

I understand that your company has policies in place to protect its interests and the interests of its clients. However, I firmly believe that my situation warrants special consideration due to the exceptional circumstances I faced during that period. I sincerely apologize for any inconvenience caused and assure you that it was entirely beyond my control. 

I humbly request that JPMCB AUTO review my account and update the late payments on my credit report to reflect " paid as agreed. '' This adjustment would provide much-needed relief and enable me to rebuild my financial stability, which has been severely affected by the aforementioned circumstances. 

I have attached supporting documentation, including medical records, termination notice from my employer, and any other relevant documentation, as evidence of the challenges I faced during that time. I hope that these materials will help you understand the seriousness of the situation and provide the basis for reconsideration. 

I genuinely value my relationship with JPMCB AUTO, and I am hopeful that you will give my request the attention it deserves. I am committed to restoring my financial stability and rebuilding my creditworthiness, and your understanding and cooperation in this matter would greatly assist me in achieving that goal. 

I kindly request a written response regarding the outcome of my request. You can reach me at the provided contact information if you require any further details or if there are any additional documents I can provide to support my case. 

Thank you for your time and attention to this matter. I appreciate your understanding and look forward to a positive resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation