Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had a checking account with JPMorgan Chase Bank , N.A . 
Late last year I got a letter from a lawyer purporting to collect on a claim against a defendant with a name similar to mine that he bought from another collection lawyer going back nearly 20 years in which the original attorney had gotten a default judgment. I had never heard anything about this until I received that letter. My legal name is and has always been without variation one and the same. 

There is no record of any original documentation of the claim. The court destroyed all the documents and the only thing remaining is the default judgment against someone recorded as having a name similar to mine, which is as common as XXXX XXXX. A few months ago I got a copy of a garnishment order against Chase to freeze my bank account. I showed the copy of the order to my branch location manager. She told me she would enforce it if she received it. Shocked, I withdrew my money and closed my account.

I showed the order to prospective banks and quickly found a nearby credit union whose manager told me she would never enforce. I also promptly changed my Autopay sources for the XXXX Chase credit cards. I did this on or about XX/XX/XXXX. I have but am not attaching a copy of the latest received court documents that include a motion from JPMorgan Chase Bank, NAs lawyers to dismiss the proposed garnishment order and for attorneys fees against the plaintiffs attorney ( who by the way owns the plaintiff company ) dated XX/XX/XXXX. XXXX pretty certain that much of the information the credit bureau has purportedly referring to me was supplied by the collection attorney and has not been investigated or checked by anyone but himself. 

The dates of all files I reference here are the dates on which I saved the screenshots. Their metadata will confirm their dates. On XX/XX/XXXX there is a screenshot showing that my XXXX XXXX XXXX credit card Autopayment was returned by Chase Bank. I called and waded through the never ending computerized gatekeeper for nearly an hour and spoke with a Chase customer care specialist. She confirmed I was locked out of my XXXX XXXX card Autopay but also saw my regular payment history on it and from her end manually restored a payment schedule according to the terms I had always met and exceeded. There are XXXX screenshots dated XX/XX/XXXX showing that as well. 

With the same date there is a screenshot showing that even after that payment schedule was set up, Chase continued to carry the Slate Edge credit card as delinquent and the full amount payment as the only acceptable payment to them, completely ignoring what their agent had done. 

I add a XX/XX/XXXX screenshot showing that Chase carried the balance on their website misleadingly stating that a purchase of {$100.00} was made on the Slate Edge card after they received and rejected the payment. The following screenshot dated XX/XX/XXXX shows their own site records that they returned a {$100.00} payment on XX/XX/XXXX. 

A XXXX screenshot shows confirmation from XXXX that they had transferred the agreed upon funds as allocated by the Chase collections department representative while both the Chase agent and an agent for XXXX were present on separate phone lines at the same time to complete the transaction. Another XXXX shot shows Chase misleadingly carrying charges and payments on the Slate Edge card with no relation whatsoever to the actual payments received as of that date ( reducing the full amount previously stated of {$850.00} to {$550.00}, while they also carried my account on that card closed and denied me any access to it. 

XXXX more XX/XX/XXXX screenshots shows the regular payment history on the Chase Freedom credit card all exceeding the minimum amounts due and the returned payment of {$40.00} on XX/XX/XXXX. 

Another XXXX screenshot shows a {$1.00} balance due on my Chase Freedom card. The customer relations department told me that particular card was not closed, but only locked out until I made that minimum payment amount. They informed me that if I did so, the card would be reinstated, and then I could request the transfer or redemption of my significant earned Rewards points on the card. 

Another XXXX XXXX screenshots show the third Credit Card, XXXX XXXX, also misleadingly carrying balance manipulations having nothing to do with the actual balance or the amounts for which they had made their offered agreement to settle or any amounts received. 

Chase Cardmember Services then sent me XXXX separate Action Needed letters dated XX/XX/XXXX regarding the Slate Edge card and the XXXX card, telling me they removed my AutoPay from those cards accounts with the explanation because your financial institution didnt honor your recent [ amount ] AutoPay payment. That financial institution was JPMorgan Chase Bank , N.A . itself, rejecting or returning the payments with the later explanation from the customer relations specialists that according to Chase policy ( they were authorized to independently interpret ) I could not keep those credit cards if I did not maintain a Chase checking account. 

Chase Cardmember Services also sent me XXXX Update letters dated XX/XX/XXXX regarding the Slate Edge and the XXXX XXXX XXXX cards telling me You completed your settlement agreement, but no such update notice on the Chase Freedom card. They also sent me XXXX separate letters all dated XX/XX/XXXX, XXXX for each of the credit card accounts, all updating me on the terms of my settlement agreement none of which were negotiated or accepted by me. I specifically cited to the collections department that any agreement I was making with them was with reservation of all rights legally awarded to me under the Uniform Commercial Code and that I was not agreeing to any cram-down terms just because they were being read to me over the phone. 

Specifically, I do not agree that any unused rewards earned by me were automatically lost the moment I accepted Chases settlement offer. Chases collections department interpreted their settlement as not being final until the final notice which they estimated as on or about XX/XX/XXXX or XXXX, but to call on XX/XX/XXXX to confirm, meanwhile my cards were legally valid and not closed until then and they could not see any reason I could not transfer or redeem my earned reward points ( a different interpretation of policy from the customer care specialists ). 

I provide all this information to flesh out what actually took place, how Chase directly caused the damages upon me and to report my settlement to the credit bureaus without clarification is wildly misleading and even the result they intended to inflict. At the very least the credit bureaus should delete any such report or add information to make the report not misleading. 

I also have full annual statements and payments on all three credit card accounts going back to their initiation or XXXX on the XXXX older accounts and the excellent payment history on the Slate Edge account. Any credit bureau can confirm those histories.

Company response to consumer: Closed with explanation