Consumer complaint received 2021-09-22
Company: JPMORGAN CHASE & CO.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a residual interest charge of {$11.00} on my XXXX statement for the time between when Chase banks previous billing cycle closed on XX/XX/XXXX, and when Chase received your full payment of {$1700.00} on XX/XX/XXXX. 

When I made the payment of {$1700.00} it created a credit balance of {$12.00} on my Chase account, which was refunded to me on XX/XX/XXXX. Because the refund was prior to the residual interested billed on XX/XX/XXXX, a balance became due on the account. Since the account was on AutoPay, Chase attempted to process payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, for the balance ; however, the payments were returned due to stop payments placed. 

During Chase Banks review of the information I provided, Chase found that I was incorrectly advised by a Chase banker to ignore the alert we sent about the balance owed on the credit card account. Chase told me, on XX/XX/XXXX, that because of this error, Chase submitted a request to the credit reporting agencies to remove the tradeline from your credit report. 

It is now XX/XX/XXXX and bankers are still able to see a " late payment or negative record on my credit report. '' I know this because my request to increase my credit limit has been declined, and a credit banking specialist told me it was because of this reason. If my credit report has actually been fixed, then why is it that bankers are able to see an issue with my credit report on their end?

I requested a credit increase at both Chase, and XXXX XXXX- and both were denied. I requested a credit increase with Chase on XX/XX/XXXX as was denied. I want to know : why was I denied? Ironic, that Chase denies my credit limit increase with their own bank, because of a negative record on my credit report that was caused by a Chase bankers error. 

I have been dealing with this since XXXX. XXXX Chase misguides me and hurts my credit for most of the year, and now after they tell me that its been fixed bankers actually still see an issue. I want whatever the bankers see as a negative record actually, literally, and immediately removed. Sufficient time for my credit report to be updated ( on the bankers end ) without a negative record has passed. 

The thing is that, when I look at my credit report, it seems perfect and I have excellent credit ( as it should be. ) But bankers at Chase, and at XXXX XXXX, apparently see something different, which is making them believe I have a negative record - and this is the problem. This should not be the case. I should have no negative record at all. Any negative record that even existed at all is because an error a chase banker made, and that they " resolved. '' My problem is with Chase bank- they caused this issue, penalized my credit, and then still haven't done what is necessary to see that the record is removed so that I can enjoy the privileges of somebody that has excellent credit.

Company response to consumer: Closed with explanation