Consumer complaint received 2023-04-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The history is as follows : My father ( XXXX XXXX XXXX opened a Chase credit card in XX/XX/XXXX ending in XXXX. As his daughter, I was designated as an Authorized User. That account was closed in XXXX and a new number was assigned to the account now ending in XXXX. 

ACCOUNT XXXX XXXX My father passed away in XX/XX/XXXX. In XXXX, I received a bill for his credit card in my name to my address. I have a copy of that statement if you would like. I spoke with Chase representatives about this issue multiple times during XXXX. Some key dates related to the information provided in this complaint are : XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Chase claimed that I was not an authorized user but a joint user - leading them to report to my credit score bills that consisted solely of my father 's charges. On recorded lines, Chase representatives refused to provide me with documentation of joint status but claimed that my father upgraded me from an authorized user to a joint user. 
After meeting with multiple supervisors of local branches it was affirmed ( supervisorID : XXXX on XX/XX/XXXX ) that no one can " upgrade '' a person from authorized user to joint owner without consent and without application to Chase. I was also told by this same supervisor that Chase last had a status option of joint ownership, in the XXXX and XXXX. However, in the years at issue with my father 's bill, there was not even an option for joint ownership of a credit card account. At no time did I ever apply for status as a joint owner of the account or agree to be a joint owner. 

Since the summer of XXXX, I have repeatedly requested documentation proving Chase 's claim that you were a joint owner was repeatedly refused. 

In XXXX, while advocating to have Chase remove my name from the account ending in XXXX, I received a separate bill for over {$100000.00} in my name for an account ending in XXXX. It turns out this was my stepmother 's account ( she died XXXX hours before my father ). She was not legally connected to me in any form that I know of and I have no idea how her expenses were put in my name. 

ACCOUNT ENDING XXXX The last bill I received was in XX/XX/XXXX. I have copies of the bill from XX/XX/XXXX that I can send if you require it. 

That bill shows the following : Previous Balance -- {$16000.00} CREDIT -- {$97000.00}, for a remaining balance of NEGATIVE {$81000.00} Until XX/XX/XXXX, bills continued to come in my name on my deceased stepmother 's ( XXXX XXXX XXXX ) XXXX account, even though the XXXX XXXX balance was a negative {$81000.00}. 

I have claimed fraud to Chase in relation to both instances -- accounts XXXX and XXXX. Chase seems to have now merged my father 's expenses and my stepmother 's expenses into one bill because the XXXX account has charges from the XXXX accounts ( such as my father 's assisted living and prescription medication -- not one expense that I charged ). 

Presently : The balance of the account ending in XXXX is still being reported to my credit score, despite my having no access to those cards or accounts and the charges within being 100 % my father 's and his wife 's. Chase is claiming that despite the account not showing up on my online banking, their records show that I am liable. 

I demand that these bills cease to be reported to my credit score and that the errors in reporting since XX/XX/XXXX be corrected.

Company response to consumer: Closed with non-monetary relief