Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.

Complaint:
On or about XX/XX/XXXX I experienced fraudulent activity on my personal checking account and had to close the account and open a new account. During this time, I had to contact all of my creditors and inform them of the new account information and setup auto-drafts all over again. Chase Bank was one of these creditors. I did not make any changes to my auto-draft with Chase Bank `` Freedom Card '' because it did not have a balance and no amounts were being auto-drafted at the time. Sometime in XXXX, Chase Bank enrolled me in " paperless statements '' without my consent or permission. I have never opted into paperless statements because in past experiences, the email that I received about my new statement would end up in the " spam folder '' of my email. In XXXX of XXXX I used my Chase Freedom Card for a series of purchases totaling around {$550.00}. I was under the assumption that the auto-draft was still in place and that a statement would come in the mail, but it never auto-drafted and a statement never came. Sometime in XX/XX/XXXX I received a call from Chase Bank informing me that my credit card account was more than 40 days past due. I immediately made a payment to clear the matter up. I then began investigating how this happened and why. I found out, after speaking with Chase Bank 's Executive Team that my account was enrolled in paperless statements and that my auto-draft had been cancelled by " CHASE BANK ''. I did not cancel the auto-draft, Chase Bank cancelled it. Not only did they cancel it, but the communication that it had been cancelled was sent via email due to the paperless statements that I was incorrectly enrolled in by Chase Bank. Chase informed me that I signed up for paperless statements, however I did no such thing. I informed Chase Bank of this and they simply ignored it. They also ignored the fact that they cancelled the auto-draft, not me. After completing some research, I found out that Chase Bank incorporates a pop-up window on their website for my credit card account. On this pop-up, you must hit the " continue '' button. Before hitting the continue button, I noticed that there is a " check box '' that is already checked before you hit continue. What this means is that Chase Bank is forcing consumers to agree to paperless statements, without the consumer knowing because this " check box '' is already " PRE-CHECKED ''. What this means is that the consumer must first look closely to see that the box is already checked and they must " un-check '' the box before hitting the " continue '' button. This is a major issue and will likely lead to a Large Class Action Lawsuit against Chase Bank. If I can not get this issue resolved with Chase Bank, I will be the one that initiates this Class Action Lawsuit. After bringing light of all of this to Chase Bank, they continue to refuse to acknowledge this issue and refuse to correct my credit bureau report. I have been utilizing credit since I was XXXX XXXX XXXX and in my 16 years of using credit, I have never paid anything late EVER.

Company response to consumer: Closed with explanation