Consumer complaint received 2026-01-25 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: PR

Complaint narrative:
Please note they know, I now live in XXXX XXXX but I also have residency in PA. 


15 U.S.C. 1681s-2 ( b ) plus FCRA 623 Dispute Inaccurate Balance, Interest Classification, and Delinquency Reporting ( Chase ) This letter constitutes a formal dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) regarding inaccurate information furnished by JPMorgan Chase Bank , N.A. concerning my Chase credit card account ( XXXX ) The information being reported is inaccurate and incomplete for the following reasons : 1.Chase reported delinquent balances and payment statuses for periods in which no purchases, balance transfers, or cash advances occurred. Despite this, Chase assessed and reported purchase interest, mischaracterizing fee-only balances as purchase-based revolving debt. They have a purchase of {$220.00} with a due date of XX/XX/XXXX and someone needs to explain where that came from? There were XXXX purchase transactions in XXXX from XXXX that was card generated ; it wasnt me for {$16.00} XXXX XXXX and another for {$15.00} XXXX XXXX. 
2.Account balances reported to consumer reporting agencies do not correspond with actual statement closing dates. Certain balances were reported as of earlier months even though those balances did not exist until later billing cycles, constituting inaccurate temporal reporting. 
3.Chase claims a {$140.00} on XX/XX/XXXX, payment failed due to insufficient funds ; however, my bank records show sufficient funds but no returned payment, NSF item XXXX or ACH rejection. The XX/XX/XXXX last payment is not correct. All my payment attempts were reversed and declined due to name variations in their systems. Chase has not provided any documentation supporting any claims or data I requested even though a certified letter was sent to them on XX/XX/XXXX. Any delinquency or late fee derived from this allegation is therefore unsupported and inaccurate. 
4.Minimum payment amounts escalated without clear explanation or contractual basis, contributing to improper delinquency reporting. 
XXXX has XXXX of contradicting evidence of changes done to my account in their files. 

Under the FCRA, furnishers are required to conduct a reasonable investigation and report only information that is complete, accurate, and verifiable ; prior I had requested information that was never supplied to me. If Chase can not produce documentary evidence substantiating the above items, the inaccurate information must be corrected or deleted. 
Purchases = {$0.00} for months at a time Payments = {$0.00} ( because you they were blocked/ refused ) Balances keep increasing anyway The increases come from : 1.Late fees 2.Purchase interest 3.Interest on fees Chase repeatedly charged PURCHASE INTEREST when there were NO purchases.

Calling it purchase interest when the balance consists only of fees and prior interest is factually false. 
Month Purchases Fees Interest Balance XXXX XXXX {$0.00} {$39.00} each month Increasing And it keeps growing No new principal No consumer-driven activity Entire balance growth is bank-generated Chase : Raises minimum payments aggressively Reports worsening delinquency Treats this as if youre actively borrowing The {$140.00} XXXX tried to pay that was refused due to me not having enough money in the bank is false I have Bank statements showing sufficient funds No XXXX debit No NSF fee No returned transaction No ACH return code NO evidence of ACH attempt Return code ( XXXX ) Bank posting or rejection 1.Chase never submitted the payment, or 2.Chase submitted it incorrectly ( wrong name / account ) They can not lawfully treat it as a consumer default Charged fees Accrued interest Reported delinquency WalletHub shows : Account paid off XX/XX/XXXX Highest balance {$69.00} Account in good standing XX/XX/XXXX Then retroactively changed to 30 days late for XX/XX/XXXX Missed payment dated XX/XX/XXXX Amount past due sometimes {$0.00}, sometimes {$74.00} Historical status changed 30 days late with {$0.00} past due Highest balance {$69.00} vs Chase claiming {$230.00} Good standing delinquent without intervening activity This is retroactive credit history rewriting.

Wrong and inconsistent name Refused payments Phone payments you never authorized Payments misapplied ACH can fail without your fault Phone payments can be falsely logged Chase generated debt internally through fees and interest Misclassified that debt as purchase-related Claimed a failed payment without proof Prevented or obstructed resolution Reported delinquency that does not align with statements Retroactively altered payment history Furnished inconsistent balances and dates to XXXX while XXXX XXXX was inconsistent Stop changing history Stop charging interest on nothing {$0.00} Stop reporting what you cant substantiate Chase has XXXX in a pattern of conduct that goes beyond clerical error and constitutes systemic misrepresentation. 

First, Chase repeatedly assessed and labeled charges as purchase interest during multiple billing cycles in XXXX despite account statements explicitly reflecting {$0.00} in purchases, {$0.00} in cash advances, and {$0.00} in balance transfers. The only activity on the account during these periods consisted of late fees and interest assessed on those fees. Characterizing fee-based balances as purchase-related interest is misleading, inaccurate, and deceptive, and materially misrepresents the nature of the debt. 

Second, Chase reported escalating balances and delinquency statuses to consumer reporting agencies that do not align with the actual statement chronology. Balances were reported as existing in months prior to their actual accrual, creating a false historical record of delinquency. This is not a timing discrepancy- it is inaccurate reporting that materially damages a consumers credit profile.

Third, Chase has asserted that a {$140.00} payment failed due to insufficient funds yet I had sufficient funds available in my account. This claim is false. My bank records show no returned payment, no NSF transaction, no ACH rejection, and no debit corresponding to the alleged failure. Chase has refused to produce any data as requested. I have no ACH return code, bank trace number, or third-party confirmation to substantiate this allegation. Despite the absence of proof, Chase relied on this unverified claim to assess late fees, interest, and negative credit reporting.

Fourth, Chase has referenced phone payments that I did not authorize and has refused or obstructed legitimate payment attempts, while simultaneously reporting nonpayment to consumer reporting agencies. This creates an artificial delinquency that is entirely of Chases making.

Fifth, Chase has reported my personal identifying information inconsistently, including errors involving my name, further calling into question the integrity of their account records and the reliability of the data being furnished.

Collectively, these actions demonstrate deceptive practices, failure to maintain accurate account records, and reckless furnishing of credit information. Chases responses to prior disputes have failed to address these substantive issues or any issues.

I am requesting that the CFPB require JPMorgan Chase Bank, N.A. to XXXX full transactional and accounting documentation justifying all interest and fee assessments ( statements from XX/XX/XXXX till XX/XX/XXXX all Statements ) XXXX verifiable proof of the alleged failed {$140.00} payment, including ACH return codes and bank confirmation. 
XXXX or delete all inaccurate balances, dates, and delinquency statuses reported to consumer reporting agencies. 
XXXX all inaccurate personal identifying information associated with my account. 
XXXX mischaracterizing fee-based balances as purchase-related debt. 
I am submitting supporting statements and bank records demonstrating these discrepancies. If Chase can not substantiate its reporting with documentary evidence, continued reporting constitutes ongoing consumer harm. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXXr months at a time Payments = {$0.00} ( because you they were blocked/ refused ) Balances keep increasing anyway The increases come from : 4.Late fees 5.Purchase interest 6.Interest on fees Chase repeatedly charged PURCHASE INTEREST when there were NO purchases.

Calling it purchase interest when the balance consists only of fees and prior interest is factually false. 

Month Purchases Fees Interest Balance XXXX XXXX {$0.00}, {$39.00} each month Increasing And it keeps growing No new principal No consumer-driven activity Entire balance growth is bank-generated Chase : Raises minimum payments aggressively Reports worsening delinquency Treats this as if youre actively borrowing The {$140.00} XXXX tried to pay that was refused due to me not having enough money in the bank is false I have Bank statements showing sufficient funds No XXXX debit No NSF fee No returned transaction No ACH return code NO ACH attempt Return code ( XXXX ) Bank posting or rejection 3.Chase never submitted the payment, or 4.Chase submitted it incorrectly ( wrong name / account ) They can not lawfully treat it as a consumer default Charged fees Accrued interest Reported delinquency WalletHub shows Account paid off XX/XX/XXXX Highest balance {$69.00} Account in good standing XX/XX/XXXX Then retroactively changed to 30 days late for XX/XX/XXXX Missed payment dated XX/XX/XXXX Amount past due sometimes {$0.00}, sometimes {$74.00} Historical status changed 30 days late with {$0.00} past due Highest balance {$69.00} vs Chase claiming {$230.00} Good standing delinquent without intervening activity This is XXXX credit history rewriting. 
Wrong and inconsistent name Refused payments Phone payments you never authorized Payments misapplied XXXX can fail without your fault Phone payments can be falsely logged Chase generated debt internally through fees and interest Misclassified that debt as purchase-related Claimed a failed payment without proof Prevented or obstructed resolution Reported delinquency that does not align with statements Retroactively altered payment history Furnished inconsistent balances and dates to XXXX while XXXX XXXX was inconsistent Stop changing history Stop charging interest on nothing Stop reporting what you cant substantiate XXXX am requesting : Verification of the legal basis for charging purchase interest absent purchases Proof of the alleged failed payment, including ACH return codes Correction or deletion of inaccurately reported balances, dates, and delinquency statuses Please complete your investigation within the statutory time frame and notify me in writing of the results.

Company response to consumer: Closed with non-monetary relief