Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NV)

Beginning on the date of XX/XX/XXXX I contacted XXXX XXXX XXXX a partner with JPMCB AUTO department to notify them of the discrepancy with the payment that was submitted on the date of XX/XX/XXXX in the amount of {$3800.00}. This payment was made and from directly from my CHASE operating account ending in XXXX and applied to my XXXX XXXX XXXX ( herein XXXX ) account ending in XXXX for same day processing. The payment was made from, taken out of my account and COMPLETED however, XXXX had a system error on their end with processing payment and never applied it to the account accordingly for the date that it was made. As a result of XXXX mistake and systematic errors, a billing error has occurred on my account and my account was flagged/reported to the Credit Reporting Agencies as being 30 days late. This error is severely damaging, detrimental and harming my perfect consumer credit file. I have never had any late payments on any of my credit accounts and my payment history is flawless, all with the exception of XXXX system/program error. 

I have called and spoken to several agents and supervisors over the past 6 months about this issue and have received no help nor assistance in fixing this grave error made by XXXX. Allegedly a supervisor by the name of " XXXX '' was the lead manager on the case that I opened for the discrepancy, I was never able to speak with her after leaving several voice messages and even attempting to contact other supervisors about the issues. On the date of XX/XX/XXXX I contacted their office again and spoke to a gentleman named XXXX who told me to send a letter to the disputes department at XXXX XXXX XXXX XXXX XXXX TX XXXX in order to get this problem resolved. The next day I sent a certified letter to the XXXX XXXX I was directed to send notice to and have YET to receive a response. When I called on XX/XX/XXXX for an update customer service alleged that the letter was " never received '' and i was directed to send it to a different address. 

I am tired of going through so much effort to follow up with these agents, supervisors etc. just to get this company to fix the mistake that THEIR system made. I was promised by muliple agents that this issue would be resolved quickly, yet it has taken several months and we still have not achieved the fair resolution of the matter. In the mean time my credit is taking a severe, unjust, unfair and absolutely unnecessary hit due to XXXX mistake, I am being severely harmed, this matter is preventing me from getting a new car and better rates in order to save my hard earned money which is completely unjust and unfair. I am a loyal paying consumer and I should not have to go through such great lengths to get XXXX to fix a simple mistake their system made. I have proof of everything from the payment being made to a call log of whom I spoke to each time to certified mail receipts of the notices I have sent. 

I will no longer deal with this directly because It seems I am just being ignored, I am severely disappointed in the treatment I am getting and I feel discriminated against at this point since no one is bothering to take me nor this matter seriously. This complaint is my final step to get this matter solved amicably, I am beyond frustrated and deterred and am willing to take this further up the chain if need be. If this matter is not resolved within 10 days I will continue my list of complaints to the other relevant parties so that a proper investigation can be opened.