Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/year> To : JPMorgan Chase Bank , N.A . 
Executive Office / Consumer Relations Dear Executive Office Team, I am writing to formally request resolution regarding the reporting of the Post No Debits status by JPMorgan Chase Bank , N.A . to XXXX XXXX XXXX ( XXXX  ) for my accounts ending in XXXX, XXXX, XXXX, and others. I acknowledge the banks right to close accounts, but reporting a status that implies wrongdoing without evidence crosses beyond account closure into reputational harm. This letter should be considered a formal notice prior to potential escalation, and I urge immediate action to resolve this matter. 

I respect Chases discretion to close accounts, and I do not challenge the decision to discontinue servicing my accounts, as this is a mutual right in our business relationship. However, I am deeply concerned about the XXXX XXXX XXXX status reported to XXXX, which falsely suggests issues such as misuse, fraud, or delinquency none of which apply to my accounts. 

My accounts were consistently maintained in good standing : never overdrawn, never carried an unpaid balance, and were closed with positive balances. I promptly updated my personal information and address as required. At no point did Chase ever contact me for clarification before imposing this status. As a new resident of the United States, I acted in good faith and would have provided any requested documentation had I been given the opportunity. I believe any concerns could have been addressed through direct communication, which was never attempted. 

I also want to state clearly that I am not aware of any violations or issues on my part. At no time did I engage in any improper or unlawful financial activity. My accounts were always used transparently and in compliance with applicable rules. Therefore, the XXXX XXXX XXXX designation came as a complete surprise to me and appears inconsistent with my actual account history. 

It is equally important to note that Chase incurred no losses of any kind as a result of my banking activity. At no point did I act with any intent to cause harm to the bank, which is further evidenced by the nature of my transactions consisting of ordinary activities such as fuel purchases, grocery shopping, and travel expenses. Without losses, misconduct, or intent to cause harm, the imposition of this status is not only disproportionate but appears procedurally unfair. 

I am also concerned that this designation may have been influenced by factors unrelated to my actual account conduct, such as my national origin. While I am a lawful permanent resident ( XXXX XXXX holder ) residing in the United States with my wife and children, who are XXXX XXXX, I am unaware of any violations or improper financial activities on my part. If the XXXX XXXX XXXX status was influenced, even indirectly, by my background, this raises potential issues under the laws, which prohibits discrimination in financial services on the basis of national origin. 

I recognize that a large institution like Chase may assign reporting statuses, but even a court would not impose such a mark without giving me a fair chance to explain my position. 
Unilaterally impairing my financial history without evidence or notice undermines trust and fairness in our relationship. This status, typically used to flag restrictions due to risks like overdrafts or fraud, does not reflect my accounts history and appears unjustified, especially since it has disrupted my access to banking services elsewhere. Without clear proof from Chase, this reporting seems inaccurate and misleading. Such unilateral action, without fair process or due process, would not withstand scrutiny in a judicial context and appears inconsistent with principles of fairness. 

I recently disputed this with XXXX  ( Case ID : XXXX, dated XX/XX/year> ), but their response claimed the information was accurate without providing specific evidence or details from Chase. Instead, they referred me back to Chase, indicating an inadequate review that leaves the matter unresolved. Enclosed are copies of the XXXX  responses and my supporting documents for your consideration. XXXX  explicitly indicated that Chase is the source of the reporting, which places the responsibility squarely to review and correct this matter. 

As the party that reported this status, Chase has a clear responsibility to thoroughly and substantiated investigate concerns. I should have been given the chance to address any perceived issues, and if no valid basis exists, the status should be corrected or removed. Maintaining this designation without evidence risks constituting inaccurate reporting with harmful consequences. 

I hereby formally request the following actions : XXXX. A detailed explanation of why the XXXX XXXX XXXX status was applied, including specific evidence of risks such as overdrafts or fraud, which my records contradict. 
XXXX. Copies of all documents or records submitted to XXXX  to support this designation, proving its accuracy and fairness. 
XXXX. Confirmation of the intended meaning of this status such as fraud, loss, or misuse backed by clear evidence. 
XXXX. XXXX instruction to XXXX  to remove the XXXX XXXX Debits status from my report, with written confirmation to me within 15 days, or alternatively a detailed explanation why such correction can not be made. 

I request a thorough, specific response not a generic reply within 30 days of this notice. A generic reply would not satisfy the standards of accuracy and completeness that your institution is obligated to ensure. 

Failure to resolve this matter satisfactorily will leave me no choice but to seek assistance from appropriate oversight entities, which could lead to further action. My objective is to ensure the information reported about me is accurate, fair, and reflects my good standing as a customer. I emphasize that I am not asking for preferential treatment, only for equal and fair handling consistent with consumer protection standards. 

Today, I am making every effort to demonstrate that no wrongdoing applies to my accounts, yet this process feels unjust and contrary to basic principles of fairness, as Chase has not provided any evidence to support this XXXX XXXX XXXX designation. This lack of transparency and accountability not only affects my standing but also risks broader consequences if left unaddressed. I urge you to resolve this matter promptly to avoid further steps that may be necessary to protect my rights. 

Enclosed are supporting documents, including my XXXX  and XXXX  XXXX. 

I trust Chase will address this matter responsibly and promptly to avoid unnecessary escalation through regulatory or legal channels. 

Sincerely, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation