Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Subject : Follow-Up Complaint Misleading Reporting, Willful Neglect, and XXXX Violation To Whom It May Concern, I am submitting a follow-up regarding my XXXX XXXX Chase account XXXX The companys actions demonstrate deliberate misleading practices, gross negligence, and clear exposure to legal liability under the FCRA and XXXX. 
Contradictory Instructions and Misreporting : I submitted my multiple settlement applications in good faith via XXXX and secure messaging. XXXX XXXX instructed me to stop autopayments while collection efforts were paused, yet simultaneously stated they may still report delinquency. Despite full compliance, they reported my account as delinquent, resulting in more than {$1300.00} in missed payments, a XXXX delinquency, and substantial credit harm. These contradictory instructions are misleading and demonstrate willful disregard for my rights. JP Morgan previously claimed that they acted according to policy. This begs the question that If their policy permits sending contradictory instructions, misleading settlement communications, and reporting delinquencies despite full compliance, then the policy itself exposes the company to legal liability. 
XXXX Violation and False Claims : XXXX XXXX falsely claimed to the CFPB that delays were caused by my XXXX request for written communication. In reality, they responded in writing within a short period of my mailed dispute, proving this claim is untrue. They admitted to calling me, violating my XXXX accommodation, and a representative explicitly stated that a phone call was NECESSARY to access their services. They also issued a letter stating they would seize all communications, including fraud alerts, in response to my written-only request. This demonstrates deliberate bad faith, reckless disregard, or gross incompetence. 
Willful Neglect and Legal Notice : I sent a formal {$85000.00} demand letter, so far, received by at least XXXX registered agent and delivered via secure messaging as well. Despite this, XXXX XXXX has ignored my documentation, failed to correct the misleading reporting, and allowed the settlement to remain unprocessed. Their one-line response claiming we verified our reporting is accurate disregards the evidence and exposes them to legal liability. 
Misrepresentation : The company misrepresented the settlement process, calling the application a willingness and ability form and blaming me for delays while failing to act. 
Requested Action : I request that the CFPB document this ongoing misconduct and require XXXX XXXX to correct the reported delinquency, finalize the settlement, and bring their practices into compliance with federal law. 
I am willing to settle my account for {$3000.00}. This lower amount reflects the mishandling of my previous resolution attempt on your end. However, this offer is contingent upon Chase correcting the negative credit reporting caused by the prior handling of my settlement efforts and the misleading instructions I received. 
These issues arose because Chase did not adhere to the XXXX day response deadline it provided, and had it simply declined the settlement in time, none of this would have occurred. 
I am willing to resolve this and overlook certain procedural issues, but the admitted XXXX violations must be addressed as part of any resolution. 
I can arrange for payment as soon as I receive a written agreement outlining the terms, including credit reporting corrections and that the account will need to be reported as " PAID in full '' and not as " settled '' and the delinquency reporting will need to be corrected and my XXXX Score restored within 30 Days of receipt of payment. 
The resolution for the admitted XXXX Violation and Oregon 's anti-discrimination laws will need to be separately discussed with the Chase legal team. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation