Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The problem I have is with XXXX products I had at Chase Bank. One was a credit card that was reported 30 days late in XXXX XXXX and another was a XXXX  product called Chase Pay In 4.

Regarding the credit card I was concerned about the negative reporting, so I called Chase before any negative or adverse problem could happen. I was directed by the customer service rep that the payments I made were sufficient to cover me for that month and it wasn't. I reached out to Chase in XXXX I believe of XXXX to start the process in removing it from my credit because it was one of their trained personnel that could have helped me avoid this negative impact. They wrote back and said that the reporting is valid and they wouldn't reverse it. Then I called and spoke to a rep with their credit dispute department and explained that if they would've listened to the phone call they can hear that I was calling for help and clarity, but the rep said no he wont or he cant and when I asked to escalate this issue he declined and said he was the final call. 

Regarding the XXXX product I had with XXXX, I had taken out XXXX personal loans to cover transactions because I was worried, I couldn't get to the bank in time. They approved me and I assumed everything was fine until I noticed while online that the balance was never going down, so I paid it off since I had money to do so and forgot about it. Then in I believe XXXX of XXXX I get an alert by XXXX of my banks credit watch apps that there were XXXX " 30 Day XXXX '' notice placed on my credit. I again reached out to Chase to have it removed because I wanted clarity on what happened. They said the money wasn't available and that's why I got the alert. I wouldn't dispute this had I known this was truly my fault, but I have had multiple XXXX loans with different institutions and they always make a fair if not great attempt on notifying me of a problem which I appreciate because of the effect that these negative reporting has. I got nothing from XXXX, it feels like classic predatory lending, and I have no idea why they wouldn't notify a customer that there was a problem with their payment so they can rectify the issue. They always talk about how they want to help you get to the next stage and help but this wasn't helpful this was hurtful and the people they hurt are people who need a little BNPL which allows {$100.00} to {$400.00} max, and these are the people already in trouble. It's not right and they have a credit dispute department, but they have no plans of removing any negative reporting they just let you complain and then say no. Chase is THE biggest bank and they couldn't have asked someone in IT to write in the code along with the Auto-Pay they set you up on to notify the customer if something was wrong?! I am not the only one and have read multiple people dealing with the same concern. Behavior like this is exactly what people need the XXXX because we have no one to back us or defend us against these big banks and its messed up. I was a customer for almost XXXX decades with the same account and they cared not XXXX XXXX.

Company response to consumer: Closed with explanation