Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am filing this complaint against JPMorgan Chase Bank , N.A . ( Chase ) for willful and ongoing violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and New Jersey consumer protection laws. 

Chase charged off my credit card account in XXXX, yet continues to report the account as late/delinquent, while simultaneously selling or transferring my personal information to a third-party collection agency and still reporting that I owe Chase directly. 

This constitutes false credit reporting, impermissible double collection, inaccurate account status reporting, and failure to maintain maximum possible accuracy, all of which are material violations of federal and state law. 



STATEMENT OF FACTS 1. ACCOUNT WAS CHARGED OFF IN XXXX Chase charged off this account in XXXX. 
A charge-off is an accounting event indicating the creditor has written the debt off as a loss. 
After charge-off, the account can not lawfully continue to accrue new late payments as if it were an active revolving account. 
2. IMPROPER LATE PAYMENT REPORTING AFTER CHARGE-OFF Chase continues to report the account as late/delinquent, which is misleading and inaccurate. 
Post-charge-off reporting must reflect a static charge-off status, not rolling late payments. 
This practice artificially suppresses my credit score and misrepresents the accounts legal status.

3. DOUBLE FURNISHING / DOUBLE COLLECTION Chase sold or transferred my personal information to a third-party collection agency.

Despite this, Chase continues to : Report the debt as owed to Chase, and Allow collection activity by a third party.

This creates the false impression that multiple entities have collection authority, which is prohibited.

4. IMPROPER SHARING AND USE OF MY PERSONAL INFORMATION Chase furnished my personal data to a collection agency while continuing to report itself as the creditor. 
This raises serious concerns regarding accuracy, authority, and lawful purpose under federal law. 
5. ONGOING HARM Continuous credit score suppression Increased credit utilization and risk scoring Denial of credit opportunities Emotional distress and financial harm FEDERAL LAW VIOLATIONS Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation after dispute Reporting post-charge-off late payments and duplicative creditor status is materially misleading and unlawful. 



Fair Debt Collection Practices Act ( FDCPA ) ( If Chase is acting through agents or assigning collection activity ) 15 U.S.C. 1692e ( 2 ) ( A ) False representation of the legal status of a debt 15 U.S.C. 1692e ( 8 ) Communicating credit information known to be false 15 U.S.C. 1692f Unfair or unconscionable practices NEW JERSEY LAW VIOLATIONS New Jersey Consumer Fraud Act N.J.S.A. 56:8-2 Chase engaged in : Deceptive and misleading credit reporting Misrepresentation of account status and ownership Unconscionable commercial practices affecting my creditworthiness Remedies include : Treble damages Attorneys fees Costs of suit New Jersey Fair Debt Collection Regulations ( N.J.A.C. 13:45D-1.1 et seq. ) Violations include : Misrepresentation of debt status Inaccurate and misleading credit reporting Allowing collection without clear, accurate ownership disclosure WILLFUL NONCOMPLIANCE NOTICE Chase has had years to ensure accurate reporting following the XXXX  charge-off.

Continuing to report this account as late while permitting third-party collection activity constitutes willful noncompliance, not a clerical error.

DEMAND FOR RELIEF ( CLEAR AND NON-NEGOTIABLE ) I demand that Chase be required to : 1. Immediately correct or delete this tradeline from XXXX XXXX  and XXXX 2. Cease reporting late payments post-charge-off 3. Clarify ownership and cease duplicative or misleading furnishing 4. Provide written confirmation of correction or deletion 5. Conduct an internal compliance review of post-charge-off reporting practices 6. Compensate me for statutory and actual damages caused by this misconduct CLOSING STATEMENT Chases actions demonstrate a reckless disregard for federal and New Jersey consumer protection laws. Reporting a charged-off account as continuously late while allowing third-party collection is not legally permissible and causes ongoing consumer harm. 

I respectfully request CFPB enforcement action and immediate remediation

Company response to consumer: Closed with explanation