Consumer complaint received 2026-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Company : JPMorgan Chase & Co . 
Issue : Credit reporting ; Improper use of my report / Incorrect information on my report Summary of Dispute : I am filing this formal complaint against JPMorgan Chase for a series of logically impossible and retaliatory credit reporting errors that violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and the Fair Credit Billing Act ( FCBA ).

1. The Original Error ( XX/XX/XXXX to XX/XX/XXXX ) : In XX/XX/XXXX, a small transaction occurred on my account totaling {$13.00}. However, my official credit report documents for XXXX, XXXX, and XX/XX/XXXX all reflected a {$0.00} balance. AutoPay was active on this account ( set for the XXXX of the month ) and linked directly to my official checking account ending in XXXX. Chase had both the authorization and the banking information to collect any due balance automatically ; and their failure to do so is a TECHNICAL SYSTEM ERROR ( provable in attached documents ), not a consumer delinquency. 

XXXX. The Initial Reporting Violation ( XX/XX/XXXX ) : Despite verified {$0.00} balances ( adjusted manually by Chase in the recent dispute ) and the total absence of late fees throughout, Chase sporadically reported a " 30-day derogatory mark '' in XX/XX/XXXX - over 60 days after the initial charge occurred. This reporting is inaccurate from its inception. Logic dictates that a 30-day delinquency can not spontaneously appear in XX/XX/XXXX if the account was reported as " Current '' and " {$0.00} Balance '' throughout XXXX and XX/XX/XXXX. A delinquency track is linear ; it can not logically " skip '' two months of " Current '' status and suddenly manifest as late. By reporting a sporadic delinquency, Chase violated the basic accuracy requirements of the FCRA. 

XXXX. Retaliatory and Impossible Update ( XX/XX/XXXX ) : Upon disputing this error through the three individual credit bureaus ( XXXX XXXX XXXX ), Chase " updated '' the report with even more damaging and contradictory information. The account summary now states " Paid as Agreed '' for the life of the account, yet the XX/XX/XXXX status was changed from 30 days late to 60 days late. This potentially creates a " XXXX XXXX '' compliance violation. 

XXXX. Contradictory Data : Chase has updated my XXXX, XXXX, and XXXX status to {$0.00} balances, yet is simultaneously reporting a 60-day delinquency for XXXX. Again, one can not be 60 days delinquent on a {$0.00} balance. 

XXXX. Definitive Proof of System Failure : My attached credit file evidence - provided by Chase via my most recent dispute - explicitly lists a " Scheduled Payment Amount '' of {$13.00} for XX/XX/XXXX. This proves Chase 's internal system was aware of the debt and had a payment queued to cover it via my active AutoPay. However, the same entry lists the " Balance '' as {$0.00}. 

This entry confirms- with Chases own verifiable data - that my active AutoPay was undeniably scheduled in XX/XX/XXXX for the balance due. Chases dispute investigation effectively validated my original claim as fact. Yet, despite possessing and confirming this proof, Chase acted in bad faith. The auditor adjusted the balance to {$0.00} but chose to increase the delinquency to " 60 days late '' rather than removing it. It is unconscionable that Chase verified the failure of their own AutoPay system yet insists on damaging my credit report for a technical error they have, and can easily, visually confirm. 

XXXX. Conclusion : Chases refusal to correct this error- despite their own investigation confirming the scheduled AutoPayment and {$0.00} balance - demonstrates a willful bad faith handling of my consumer file. The entire disputed balance was a trivial {$13.00}, which has been fully paid. Yet, due to Chase 's failure to verify its own proof, I am being penalized with a credit score drop of over XXXX points. It is predatory and unjust to destroy a consumer 's XXXX creditworthiness over a {$13.00} technical glitch that Chase has already admitted was " scheduled '' for payment. I demand the immediate deletion of the XX/XX/XXXX derogatory marker to reflect the factual {$0.00} balance and my uninterrupted payment history.

Company response to consumer: Closed with explanation