Consumer complaint received 2026-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am submitting this complaint regarding serious violations involving my Chase credit card account, including denial of account access, failure to provide required billing statements, and inaccurate credit reporting. XXXX. Account Access Restriction Material Interference On or around XX/XX/XXXX, Chase restricted my access to my credit card account and subsequently closed the account. This action prevented me from : Accessing account information Reviewing balances and transactions Verifying any alleged debt Making timely payments This restriction materially interfered with my ability to manage the account and fulfill any alleged payment obligations. XXXX. Failure to Provide Billing Statements ( XXXX / Regulation XXXX Violations ) Chase failed to provide consistent periodic billing statements as required by law. The last billing statement provided was dated XX/XX/XXXX The next statement was not issued until XX/XX/XXXX This creates a gap of approximately XXXX months with no billing statements provided. This is a violation of : Truth in Lending Act ( XXXX ), 15 U.S.C. XXXX ( b ) Regulation XXXX XXXX XXXX XXXX ( b ) These laws require creditors to provide regular periodic statements for each billing cycle. The absence of statements during this time deprived me of : Notice of any amount due Due dates and minimum payments The ability to verify account accuracy The opportunity to make timely payments XXXX. Improper and Inaccurate Credit Reporting ( FCRA Violations ) Despite restricting account access and failing to provide required billing statements, Chase reported a late payment to credit reporting agencies around XX/XX/XXXX. This reporting is inaccurate and misleading in violation of : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) 15 U.S.C. XXXX ( a ) ( XXXX ) ( B ) 15 U.S.C. XXXX ( a ) ( XXXX ) Because : I was denied access to the account No billing statements were provided during the relevant period I was not given proper notice of any payment due it is unreasonable and inaccurate to report a late payment. XXXX. Formal Dispute and Debt Validation Requirement I formally dispute the alleged debt in its entirety and do not acknowledge the validity, accuracy, or enforceability of the amount claimed. Chase must provide proper validation, including : Complete account statements for all billing cycles Itemized breakdown of the balance Proof of authorization of all transactions Documentation establishing contractual obligation and enforceability Until such documentation is provided, the alleged debt remains disputed. XXXX. Unfair and Deceptive Practices ( UDAAP ) Chases conduct constitutes potential violations of : Dodd-Frank Act, XXXXXXXX XXXX XXXXXXXX ( UDAAP ) Specifically : Restricting account access Failing to provide required billing statements Creating a multi-month statement gap Reporting derogatory credit information during that period These actions are unfair and harmful, as they placed me in a position where compliance was impossible. Requested Resolution : I request that Chase : XXXX. Remove all inaccurate late payment reporting from all credit reporting agencies XXXX. Provide complete validation of the alleged debt XXXX. Provide all missing billing statements, including explanation for the XXXX gap XXXX. Correct internal records to reflect account restriction and lack of statements XXXX. Conduct a full investigation and ensure compliance with federal law Conclusion : Chases actions have caused financial harm and damage to my credit. Reporting a late payment while simultaneously restricting access and failing to provide legally required billing statements is improper and must be corrected immediately.

Company response to consumer: Closed with explanation