Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2025 JPMorgan Chase & Co. Card Services Department Re : Goodwill Adjustment Request Chase XXXX XXXX account ending in XXXX Dear Sir or Madam : I am writing to respectfully request a goodwill adjustment on my Chase XXXX XXXX  credit card account ( ending in XXXX ). For years, I have been a loyal Chase client, and in that time I have greatly appreciated the products and services provided by your institution. This is the first occasion I have ever had to reach out for a goodwill consideration, and I do so with the utmost respect and confidence in our longstanding relationship. Recently, I encountered an issue with two reported late payments ( a 30-day and a 60-day late ) on my XXXX XXXX account. I take full responsibility for the circumstances that led to these delinquencies, and I want to assure you that this situation is highly uncharacteristic of me. I maintain a strong overall credit profile and have always strived to manage my financial obligations diligently. I have since paid off the outstanding balance ( more than {$20000.00} ) in full, demonstrating my commitment to honoring my debts and rectifying the situation. Given my history of timely payments and responsible credit use, I hope you will view this incident as a one-time lapse in an otherwise impeccable record. I deeply value honesty, accountability, and good faith in resolving issues. As someone guided by principles of integrity ( and indeed by personal faith ), I believe in seeking honorable, faith-led resolutions when problems arise. My approach in this appeal is rooted in sincerity and respect. I am not disputing that the late payments were recorded ; rather, I am asking if Chase would be willing to make a one-time courtesy adjustment by removing the negative payment notations as a gesture of goodwill. This request is made in light of my long tenure as a customer and my previously spotless payment history. It is my hope that leniency and understanding can be extended in this case to help me restore my credit standing. In reviewing my credit reports, I have noticed some inconsistencies in how this account is being reflected, which adds to my concern. Specifically, my XXXX  report currently flags the account as disputed under the Fair Credit Billing Act, yet it does not display the full account data or updated status. Meanwhile, XXXX  is not reporting this account at all at present. These discrepancies are puzzling and do not accurately convey the current state of my account ( which is now paid in full and in good standing ). I wanted to bring this to your attention in case any internal reporting errors need to be addressed. Moreover, the incomplete information on XXXX  suggests that a prior dispute might still be noted on the account without proper resolution. I respectfully ask for your assistance in clearing up these reporting issues alongside the removal of the late payment marks, so that all credit bureaus can accurately reflect the positive status of the account. I am aware of my rights under the Fair Credit Billing Act ( FCBA ) to dispute any billing errors and of the responsibilities that creditors have to investigate and respond. My intention in mentioning this is not to cast blame, but to underscore that I have been proactive in understanding and following the proper procedures to address the situation. That said, my goal is to resolve this matter amicably and directly with Chase. In the spirit of cooperation and good faith, Chase has always emphasized being a client-first institution, and I have personally witnessed that ethos in action over my many years as a customer. I truly appreciate the emphasis Chase places on customer service and loyalty. It is in that same spirit that I humbly request that you utilize any available discretion or internal policy to grant this goodwill adjustment. By removing the 30-day and 60-day late payment notations from my credit history with Chase, you would not only be helping me reflect the true reliability of my creditworthiness, but also reaffirm that Chase values long-term client relationships. I believe this request is reasonable given the context a single incident in over a decade of responsible banking with Chase and I am optimistic that you will consider it favorably. Thank you very much for taking the time to review my appeal. I assure you that I remain committed to upholding my obligations and maintaining the highest standards of financial responsibility. I truly cherish my relationship with Chase and hope to continue it for many years to come. Granting this request would be a tremendous relief for me and would reinforce my confidence that I am banking with an institution that truly puts clients first. Note Regarding Prior Correspondence via Fax Prior to submitting this complaint to the CFPB, I personally faxed a detailed and respectful goodwill request to Chases executive team regarding this account. That letter outlined my full payment of the account, years of positive account history, and my commitment to responsible credit use. It was submitted in the spirit of partnership and respect, trusting that Chase would recognize the significance of this longstanding customer relationship. This CFPB complaint is submitted not to escalate conflict, but to ensure transparency, due process, and a fair review. I remain hopeful that Chase will act with care, integrity, and consideration in resolving this matter in a way that honors our mutual history. Sincerely, XXXX XXXX. XXXX Account Holder, Chase XXXX XXXX  ( ending in XXXX )

Company response to consumer: Closed with explanation