Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
This complaint is not duplicative. My earlier complaint addressed the underlying fraudulent / unauthorized charges on the credit-card account. This complaint addresses Chases separate conduct in furnishing inaccurate information to consumer reporting agencies, including reporting the account as delinquent, maxed out, or over limit based on charges I dispute as fraudulent. The legal and factual issue here is inaccurate credit reporting and failure to correct furnished information after notice, not merely the underlying transaction dispute. I am submitting this complaint against JPMorgan Chase Bank , N.A . / JPMCB Card Services regarding a credit-card account that is being reported as delinquent even though the balance is the result of fraudulent / unauthorized charges that I do not owe. The account is showing on my credit report as JPMCB Card Services with an approximately {$10000.00} balance on a {$10000.00} credit limit, along with derogatory payment history and maxed-out or over-limit utilization. This is causing ongoing harm to my credit report and credit standing. However, this balance is not valid debt that I am responsible for because it resulted from fraud / unauthorized use. Under the Truth in Lending Act, the Fair Credit Billing Act, and Regulation Z, liability for unauthorized use of a credit card is limited, and unauthorized charges are billing errors that must be reasonably investigated and resolved. See 15 U.S.C. 1643 and 12 C.F.R. 1026.12 ( b ) and 1026.13. A use is unauthorized when it is made by a person without actual, implied, or apparent authority and from which the cardholder receives no benefit. Regulation Zs official interpretation also states that, during the billing-error process, a creditor must not make an adverse credit report concerning the disputed amount because the consumer does not pay that disputed amount, although the creditor may report that the amount is disputed. To the extent Chase reported this account as delinquent based on disputed fraudulent charges, that reporting is improper. In addition, under the Fair Credit Reporting Act, a furnisher may not furnish information to a consumer reporting agency if it knows or has reasonable cause to believe the information is inaccurate. Furnishers also must maintain reasonable policies and procedures regarding the accuracy and integrity of information furnished and must investigate direct disputes concerning a consumers liability for a debt. See 15 U.S.C. 1681s-2 and 12 C.F.R. 1022.42 and 1022.43. Despite notice of fraud / unauthorized use, Chase has continued to report this balance and derogatory account history as if I am responsible for the debt. This has resulted in inaccurate balance reporting, inaccurate delinquency reporting, and serious damage to my credit profile. If Chase failed to conduct a reasonable investigation, failed to correct the balance, or continued furnishing inaccurate information after notice, that conduct also raises concerns under the prohibition on unfair, deceptive, or abusive acts or practices under 12 U.S.C. 5531 and 5536. I am requesting immediate correction. This fraudulent balance should not be treated as my debt, and the negative reporting associated with it should be removed from my credit reports. If Chase contends that I am liable for any portion of this balance, then I request a complete written explanation and all documents Chase relied on to conclude that the charges were authorized and legally my responsibility.

Company response to consumer: Closed with monetary relief