Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I had an account with JP Morgan Chase account no. XXXX, during that time I had what was known as " Pay in 4 '' accounts attached to the checking account. The checking account was closed however I still had balances on the pay in 4 accounts. Before the checking account closed, I could conveniently transfer funds from the checking account to make the payments, but due to the checking account being closed, I no longer had that convenience. I contacted Chase bank for direction and was directed to a branch to make the payments. I went into a branch located at XXXX XXXX XXXX, XXXX, MI XXXX and was told by the bank teller that she had no way of taking a payment to apply to my pay in XXXX balances. I then went to another branch located at XXXX XXXX XXXX XXXX, XXXX, MI XXXX and again the teller informed me that because the pay in XXXX program was so new, there was no way to apply a payment at the branch, she then gave me a customer service phone number in which I called and was directed to go into a branch yet again. At this point I told the customer service rep that my credit had better not take a negative hit, he informed me that it would not. I then went to the branch located at XXXX XXXX XXXX, XXXX, Mi XXXX. The bank teller there tried several times to get information in regard to taking the payment, she was not successful and called the branch XXXX XXXX XXXX over for assistance, she was not real clear on how to apply the payment either and instructed the teller to contact the back office. She did just that but after several attempts, we were not at all successful. I was again instructed to contact customer service. Meanwhile I received email after email informing me of the status of my accounts and of the delinquencies. I contacted customer service again and explained the situation, after several attempts to pay using an external account while the representative was on the phone, there was no success. He then informed me that someone would look into the matter and call me back. Meanwhile I was still receiving account status emails which made me very nervous. I again told him that due to bank errors and problems applying my payments, my credit should not be negatively impacted, He informed me that it would not. This went on for a while until finally I called back because no one ever called me and apparently the issue had been resolved but by this time, XXXX of my pay in for accounts were reported negatively to me credit report. XXXX were charged off and XXXX with a late payment being reported. XXXX of the charge offs was for {$35.00} as if I could not pay that. I immediately asked for management who directed me to a credit reporting department who then instructed me to have the branch XXXX with knowledge of my attempts to make payments at the branch to write a letter on my behalf. She did that and sent it to where she was advised. That was back in XXXX of this year. Whenever I call for the status or a follow-up I am given the runaround. I have been given so much misinformation. Finally, after threatening to sue several managers called me back however none of them provided a clear resolution but continued to direct me to XXXX XXXX XXXX who do not report to the credit bureaus at all. I was then told to dispute it with the XXXX bureaus in which I did, the negative marks remain. On XX/XX/XXXX I received a call from a XXXX who indicated she was from Chase Credit Bureau Escalations Department and that she would be sure the negative reporting was deleted. Several representatives before her continued to tell me that they were all showing " paid '' which is accurate however they were showed as paid charge offs and again XXXX showed paid but with missed payments. XXXX informed me that a total deletion would occur. That never happened, now in fact every time XXXX contact Chase, I'm being told they don't have a Credit Bureau department. XXXX representative gave me the number to XXXX XXXX XXXX again and another gave me the number to XXXX. So not only are the charge offs on my credit, my name is also with XXXX XXXX XXXX  for my personal checking account being in a negative status which has prevented me from opening an account elsewhere.

Company response to consumer: Closed with explanation