Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to formally dispute the reported late payments associated with my closed credit account, as reflected on my credit report. I am requesting a thorough investigation and resolution regarding the discrepancies related to my account status, payment history, and closure date.

Account Closure Date and Discrepancy in Reporting : I am requesting Chase to confirm and verify the exact date my credit account was closed. Currently, all three credit bureaus are reporting differing closure dates, with one bureau showing an inaccurate closure date of XX/XX/XXXX. This discrepancy is concerning, and I would appreciate confirmation of the correct date and supporting documentation to clarify the account 's status. 

Issues Preventing Payment Updates : Due to an issue with my bank, I was required to change my payment method. However, I encountered multiple difficulties in doing so, as outlined below : XXXX. Customer Support Challenges : Despite contacting Chase customer service numerous times, including discussions with supervisors and higher-level departments, I was repeatedly informed that there was no record of my account with Chase. I was unable to update my payment information or resolve any account-related issues due to this confusion.

2. Access Issues : I was also unable to access my account via the Chase app and website, where I had previously been making payments.

3. Communication Delays : I had moved to a new address during this time, and my phone number and email were inactive, further complicating communication. I was forced to call Chase from a different number to reach customer service. 

XXXX. Inability to Receive Mail or Letters : Additionally, due to the aforementioned access and verification issues, I was unable to view or read any incoming correspondence from Chase. Since Chase 's customer service and application system were unable to verify my identity and account, I was not receiving critical letters regarding my account status, payment deadlines, or any warnings. This left me unable to take timely action to address any issues related to late payments or account status.

After significant effort, I received an email from Chase notifying me that my closed account was nearing charge-off status. Following the instructions in that email, I was finally able to confirm my account details and update my payment information. 

Disputed Late Payments : The credit report currently reflects late payments for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The report indicates the following : XX/XX/XXXX : 60 days past due XX/XX/XXXX : 90 days past due XX/XX/XXXX : 120 days past due However, I believe these late payments are inaccurate. During my phone call with Chase in XXXX, I was not informed of such overdue amounts, and the email I received from Chase also did not reflect these overdue figures. Therefore, I request that the three months of reported late payments be removed from my credit report, as they were a result of Chase 's failure to properly identify me as an account holder and allow me to update my payment information. 

Request for Supporting Documentation and Information : To further investigate this matter, I am requesting that Chase provide the following information and documentation : -The official late payment deadline for each of the disputed months. 
-The late fee amount assessed for each of these months. 
-Any minimum payment warning issued related to these late payments. 
-Any late payment warning notifications sent to me. 
-Confirmation of the late payment warning being sent, including the method of communication. 
-Verification of the contact details on file ( address, phone numbers, and email ) during this period. 
-Any supporting documentation that reflects the late payments, account status, and closure dates. 
-As a consumer, I have always intended to make timely payments. I made the payments as soon as I was able to resolve the issue and access my account. Had Chase been able to verify my identity and allow me to update my banking information sooner, I would have made the payments without delay. 

Request for Resolution : I kindly request that the late payment entries for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX be removed from my credit report. I would also appreciate a response within 30 days of the delivery of this dispute to Chase. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief