Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to request your help and notify that my rights as a consumer are not being respected. JP Morgan Chase Bank is reporting inaccurate information on my account. My account information is : Account Number XXXX ; Date Opened XX/XX/XXXX ; Highest Balance {$6100.00} ; Status : Closed. I will explain why JP Morgan Chase Bank is committing multiple violations to the FCRA. 

On date XX/XX/XXXX to XX/XX/XXXX, natural disaster Imelda impacted Texas. I tried to solve this big issue with Chase by phone when I called right away once I realized of this negative remark on my account. They refused to help me, stating that my county was not affected by this natural disaster. I told them that my county ( XXXX XXXX ) is right next to XXXX county and XXXX county, which were declared as affected and that if XXXX XXXX was not on the list of the affected counties, it does not mean it didn't hit my area as well and that I needed help. 

I want to state clear that this was not a money factor issue ; I did have the money to pay. It happened that I had to go out of town because I was afraid of what could happen because of this storm ; so the disaster did affected myself ; and still they refused to help me. When a natural disaster happens, the level of stress is too high and it affects all areas of our lives. This is exactly what happened to me. 

Even worst, I processed the next payment ( the payment for XXXX ) by the end of XXXX, and they are reporting a late again! This is completely out of the reality. JP Morgan Chase Bank is also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting false and erroneous information. 

JP Morgan chase bank is being unreasonable because I never received a late payment insertion by mail. This is a violation to the FCRA. They are also committing Breach of contract, Unfair business practices and violations to the section ( 609 ) of the fair credit reporting act by missing the affected by natural disaster remark on my account. The list of violations can go on once I sat down with my attorneys. 

This company is not respecting my rights, they are committing multiple violations to the FCRA and I am not the only one that is being affected. I have a Pending mortgage for {$400000.00} because of this wrong information being reported. this is affecting me mentally and physically. 

I demand a deletion letter from the mentioned company as soon as possible so I can provide to my mortgage company and get approve with the interests I want. If JP Morgan Chase Bank refuses to provide letter of deletion letter through CFPB portal, I will not think twice to take this issue and be decided by a judge in a Court of Law. Thanks to whomever reads my complaint. 

Please see ATTACHED BANK STATEMENT as proof of funds at the time the payment with XXXX XXXX was due. Proving this was not a money factor or even worst that I did not want to pay.

Company response to consumer: Closed with monetary relief