Consumer complaint received 2018-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This is a charge on my personal credit report which was a business account from the JP Morgan Chase company in XX/XX/2016 in the amount of $ 4000+ which I disputed in a timely manner and they chose on their own accord not dispute the charge and instead reported it on my personal credit because they were not able to discern legal disputes due to the fact that the customer service representatives are not trained in that area. 

Please click the link below to listen to the recorded conversation between myself and the JP Morgan Chase customer service representative at the executive branch XXXX XXXX. She made it very clear that the reason that the JP Morgan Chase company did not reverse the charge on the credit card was because the representative that they employ we're not able to read and discern the legal contracts that I sent them from the two separate attorneys, in order to determine that I actually hired another Law Firm do the services that the original Law Firm was hired for. please see summarize text excerpts of the record conversations below. In order to hear the actual conversation please click this link. 


Click this link to hear conversation -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 3:19 minutes into the conversation the JP Morgan Representative supervisor XXXX states that access checks can not be disputed 3:45 minute to the the JP Morgan Representative supervisor XXXX confirms again that access checks can not be disputed 4:00 minutes into the conversation the JP Morgan Representative supervisor XXXX confirms that access checks can not be disputed. 

5:25 minutes into the conversation I explain to the JP Morgan Chase representative supervisor  XXXX this is false advertising and that they are misleading their customers. 

10:20 minutes into the conversation the JP Morgan Chase representative supervisor XXXX begins to reverse her stance and says she is not sure of the terms and conditions of the access checks and no longer holds the position that access checks are not just disputable 12:15 minutes into the JPMorgan Chase representative XXXX reads the back of the check and the fine print and finally realizes that access checks ARE disputable. 


13:59 minutes in the conversation the JP Morgan Chase representative supervisor XXXX states that the real problem is that they could not confirm how the checks were used. 


17:58 minutes into the conversation that JPMorgan Chase representative XXXX admits that the companies customer service representatives are not qualified to evaluate legal disputes.. 



19:30 minutes in a conversation I also acknowledge and then disclose to the XXXX Chase representative that the reason that they could not dispute charge is because they lacked legal knowledge and legal understanding and did not understand the terms and conditions of the contracts that I sent them from the two law firms. 

19:00 minutes into the conversation the JPMorgan Chase Representatives supervisor XXXX again confirms that they don't handle ANY disputes on a legal basis which obviously was not made clear on the access check. 


20:47 minutes into the conversation the JPMorgan Chase representative supervisor XXXX actually acknowledges again that they do not deal with legal matters and they do not understand legal matters and therefore they can not properly dispute them. 


My conclusion since the JP Morgan Chase company did not provide full disclosure on the access checks knowing that they are not qualified to handle legal disputes. Since that is not disclosed on their access checks then it is false advertising and I should not be penalized on my personal credit

Company response to consumer: Closed with explanation