Consumer complaint received 2021-04-13
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: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX, XXXX I did a pre-authorized payment to be deducted from my checking account. I did so by providing my routing # and checking account # to pay my monthly Auto loan with JPMorgan Chase, as I have for previous months payments. On XX/XX/XXXX Chase claims my payment was returned by my bank the reasoning " RETURN TO MAKER '' I never received any notifications from Chase for the XX/XX/XXXX payment the information was obtained XXXX XXXX XXXX when I spoke with a manager in the collections department for Chase. So without any cognizant to my payment not processing I proceed to pay the exact same way for XXXX XXXX, XXXX payment with a pre-authorized payment deducting via my routing and checking account. Chase claims my payment was returned again by my bank this time " unable to locate '' on XXXX XXXX, XXXX. I was contacted on XXXX XXXX, XXXX by ( I have all the names of agents spoken too ) by a chase collections agent and notified that my payments weren't processed, and according to the agent I was offered no explanation for the returned payments other than my bank didn't process them. I paid the total amount due including all late fee 's and returned check fee 's. NEVER once was I made aware Chase DIDN'T allow any payments to be made from XXXX XXXX  accounts. My payment was again not processed, but rather returned on XX/XX/XXXX. I was contacted by Chase XX/XX/XXXX and was advised my account was delinquent, and in danger of being repossessed, and I was to find a source of immediate payment to bring the loan up to date. After verifying with XXXX  my checking account balance was sufficient, my routing and checking account # / 's were accurate when I provided the pre-authorized payment, as well as a written letter in confirmation that XXXX  never received any request to deduct funds and I HAVE NO RETURNED CHECK/PAYMENT records reflecting that the payments were returned through my bank. I had to open an entirely new and different checking account, ( in which I set up AUTO-PAY ) than XXXX  my current financial service provider. I was told by two different agents that this was done erroneously, and without valid warrant, and that I have never had a delinquent status prior to this issue so they would rectify the two negative ( 30 days late ) reporting made to the credit reporting agencies. I sent in a dispute and Chase, and XXXX  credit report denied my request to have them removed. I vehemently attempted to pay my auto loan and was advised Chase would correct the reporting that plummeted my XXXX score by 100+ points and is hindering my ability to receive new auto loan financing. I have relentlessly attempted to have this corrected, as I don't pay my debts delinquent and I take my personal credit score very serious, and have diligently worked on getting it back to acceptable after I was the victim of identity theft in XXXX. I think it's only right to have the past due remarks removed as I have provided supporting documents to adhere to my position with this. I haven't even requested for all the late fee 's or returned check fee 's to be removed just the credit reporting information.

Company response to consumer: Closed with explanation