Consumer complaint received 2021-11-25
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX an XXXX XXXX American and own a business XXXX XXXX XXXX XXXX The business deals in wholesale of bed and bath It is a minority owned business and has always been profitable for over 15 years I am writing this complaint in regards with Chase Bank XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX and 3 Credit Bureaus incorrect reporting Sometime in XXXX XXXX XXXX from Chase Bank and her senior credit officer were working on asset based lending application for XXXX  XXXX XXXX to replace our existing lender and move with chase bank We were requested to open a corporate business bank account in order for them to process that application as they said it is mandatory that in order for chase to lend to a business that business must have a business checking account with chase bank so we opened one Now while our lending application was being reviewed the bank manager XXXX XXXX XXXX at XXXX NJ chase branch offered a preapproved XXXX guaranteed business credit card for our business with no personal guarantee which looked like a good deal and we signed up We worked in good faith with bankers with an understanding that it is just business account However during my phone call on XXXX XX/XX/XXXX XXXX employee ID XXXX and supervisor XXXX XXXX ID XXXX informed that it is a Joint account which came as a shock and is absolutely incorrect and we disputed that Credit was extended to a business by chase bank and not to an individual and that too with XXXX guarantee and not a personal guarantee Additionally from the date of opening the above referenced business credit card account in XXXX until XXXX or XXXX XXXX no reporting was ever done on XXXX XXXX personal credit with any of the 3 bureaus XXXX XXXX and XXXX because it was always a business account with business liability only and all statements and correspondences were sent to business address and business email We have multiple credit reports for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX and can be provided upon request Lately we noticed that sometime in XXXX or XXXX of XXXX chase XXXX XXXX on XXXX XXXX personal email address instead of business email address while the business was going through court proceedings with XXXX bank and also noticed that chase started reporting this corporate credit card on XXXX XXXX personal credit file with all 3 bureaus XXXX XXXX and XXXX as individual credit card which seemed atrocious & frivolous and is again incorrect We disputed the same with all 3 credit bureaus and we were advised by all 3 bureaus to contact chase bank also for same which we did and request for following We requested Chase Bank to 1 provide us a copy of executed corporate credit card opening documents via fax XXXX XXXX XXXX or email XXXX XXXX XXXX XXXX XXXX XXXX XXXX immediately and also via postal mail and point out where it reflects that XXXX XXXX signed up a personal credit card or he signed personally liability or joint liability since that was an XXXX guaranteed corporate card 2 remove all reportings from XXXX XXXX personal XXXXredit with all 3 bureaus XXXX XXXX and XXXX effective immediately as this is a business account only with no personal guarantee We also informed both the agents that there is a litigation pending with XXXX XXXX  multiple reasons including discrimination and a replevin order was passed by Honorable Judge in XX/XX/XXXX and our bank account were frozen and no payments can be made until that case is settled Same was sent to Chase Bank via Fax as well as Certified mail and can be provided upon request It was also informed that I have no money and my family with 2 children is surviving on unemployment money from NJ State and is unable to pay It was also informed that I have bad medical condition and is undergoing through medical treatments and can not take any stress as it may adversely affect his health and family We also learned from the agents that chase bank will charge off this account on or about XXXX XX/XX/XXXX which we requested to hold off till we receive the executed confirmation on validation of the requested debt from Chase Bank but till date Chase did not provide any documentation or response to our request rather they also charged off that corporate account Also when either of 3 bureaus contact Chase bank they resolve my dispute by stating reporting is accurate and do not provide any documentation stating that and the 3 bureaus close the dispute I have been disputing the same multiple times but fail to receive any response from Chase Now as a result of Chase false notification the other creditors have started closing their accounts for XXXX XXXX XXXX XXXX  XXXX and XXXX are to name a few Chase Bank has conned me false fully and forcing my foreclosure Chase Bank Business Credit Card Statement is attached for your reference. 

Please help

Company response to consumer: Closed with explanation