Consumer complaint received 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Subject : Credit Card Company Inaccurate Reporting, Misapplied Payments, Deceptive Practices, and Request for Account Deletion Complaint Summary : Last Spoke with Chase Credit Card services XXXX I am filing a formal complaint against Chase Slate Edge Credit Card for multiple violations of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Fair Debt Collection Practices Act ( FDCPA ). I enrolled in a structured monthly payment program to pay off my balance XX/XX/24 and since then enrolling in my program I have had persistent issues with the card company in regards to my account and have made several calls to get issues resolved and escalations done with no resolutions. Since then, my account has been closed and subjected to mishandling, misreporting, and numerous billing inaccuracies. I am now requesting that this account be deleted in its entirety and that I no longer be held liable for any outstanding balance due to the companys misconduct and mishandling of my payments. 

Specific Issues : 1. Inaccurate Credit Reporting ( FCRA Violation ) The company inaccurately reported me as being more than 30 days late on my payments, despite my ongoing participation in the payment program and making payments consistently. This is a violation of my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ), which prohibits the reporting of inaccurate information to credit bureaus.

2. False Charges and Balance Manipulation In XXXX, the company claimed that two payments of {$78.00} were returned, resulting in an additional {$150.00} being added to my balance. This is incorrect. My actual balance at that time was {$54.00}, and I made a {$60.00} payment ( which included an additional {$6.00} to account for a prior miscommunication by a representative ). I made my XXXX payment in XXXX and also made my XXXX payment on time. These payments are documented. There is no justification for the {$150.00} charge. 
3. Representative Error and Deceptive Handling of Program When I first enrolled in the program, I was told I missed a {$6.00} payment. This was not due to my error but the result of incorrect information provided by a representative. I was never properly notified or given the opportunity to correct this before it was held against me.

4. Inaccurate Account Balance ( TILA Violation ) My current statement balance is inaccurate and inflated. Despite multiple calls to customer service to resolve this, no correction has been made. This is a likely violation of the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), which mandates that consumers receive accurate and understandable billing statements.

5. Unfair and Deceptive Conduct ( UDAAP / FDCPA ) The ongoing misreporting, refusal to fix obvious billing errors, and poor handling of my repayment plan constitute unfair and deceptive practices under UDAAP, and possibly the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ), if the company is acting as a debt collector.

Company response to consumer: Closed with explanation