JPMORGAN CHASE CO.
Consumer Complaints
There are over 65161 complaints on file for JPMORGAN CHASE CO.. Dated between 2019-12-11 and 2011-12-01.
Complaints Page 154
2019-06-11
Flintridge, CA
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2019-06-11
Cincinnati, OH
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Company Response: Closed with explanation
2019-06-11
Jamaica, NY
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Transaction was not authorized
Company Response: Closed with explanation
2019-06-11
Allentown, PA
Managing an account
Checking or savings account: Checking account
Banking errors
Company Response: Closed with explanation
2019-06-11
Brooklyn, NY
Money was not available when promised
Money transfer, virtual currency, or money service: Domestic (US) money transfer
Company Response: Closed with explanation
2019-06-11
Ann Arbor, MI
Other transaction problem
Money transfer, virtual currency, or money service: Domestic (US) money transfer
Company Response: Closed with explanation
2019-06-11
Arlington, CA
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2019-06-11
Chicago, IL
Managing an account
Checking or savings account: Checking account
Funds not handled or disbursed as instructed
Company Response: Closed with monetary relief
2019-06-11
Opening an account
Checking or savings account: CD (Certificate of Deposit)
Didn't receive terms that were advertised
Company Response: Closed with explanation
2019-06-11
VA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with rewards from credit card
Complaint: I am writing you to file a complaint about an unresolved issue with my credit card chase and their benefit and travel departments. This has been my second travel related credit issue with chase. My first experience with chase was also about a credit that they were supposed to process. Chase was either unresponsive or slow. I finally ended up contacting the airlines directly and got a much quicker response and resolution from them.
My more recent issue with Chase has been my most stressful and frustrating experience when dealing with any credit card company or for that matter any other company that offers products or services. I am a Chase Sapphire card holder who has been using the card regularly for purchases amounting to hundreds or thousands of dollars every month. I have an excellent payment history with most of the bills paid in full every month.
In XXXX of 2019, I bought my XXXX airline ticket for an overseas trip through Chase using my accumulated Chase points. My father passed away overseas a week before my trip. I had to cancel my original trip and leave immediately so I called chase to cancel my ticket. Despite, under a lot of stress and in grief, I had to be on the phone with them for hours. I was put on long holds, transferred to different departments and still did not receive a definitive answer about cancelation of my trip and credit to my account.
According to the last customer representative that I spoke with that night, they had to send an email to a different department and that I could follow up with them the following week by Tuesday or Wednesday as they would have processed my cancelation by then. Unfortunately, It is extremely difficult, if not impossible, to be calling from overseas and be on the phone with the credit card company for hours. I had to authorize my husband to follow up on my behalf the following week before his upcoming trip overseas as he had to leave on XX/XX/XXXX, which was our original plan.
My husband called them few times and went through the same process of being on the phone for hours either being on hold or being transferred to different departments. He spoke with the main customer service, the benefits and the chase travel. Initially, a representative advised him to contact XXXX directly to cancel my ticket. Finally, after further research, the same representative that he spoke to in the benefit department told him that we should expect to receive a credit because of the death in the family, The representative assigned us a case number and told my husband that Chase would get the refund from XXXX on our behalf. According to him, all we needed was a death certificate. Since we were both expected to be out of the country for few weeks, the representative told my husband that the credit could be processed anytime upon our return or soon after the Chase received the death certificate from us.
In XXXX, while still overseas, I received an e-mail on XXXX, XXXX from XXXX in Chase travel who was following up with the death certificate. I e-mailed Chase travel department the scanned copy of the death certificate as soon as it became available to me. I even e-mailed them a translation of the death certificate which was neither required by Chase or XXXX. I sent it to XXXX who had contacted me on XXXX, XXXX by responding to her e-mail from XXXX, XXXX and then forwarded it again to her to make sure that they received it. For personal and family reasons, I ended up staying a little longer than expected and retuned to the United States on XXXX. There was still no acknowledgment from XXXX or anyone from Chase Travel or any other department acknowledging the receipt of my e-mail from XXXX or any other update. Soon after my return, I had to send the travel department my father 's death certificate for the third time and even tried to follow up with a phone call. I also tried to send them an e-mail on XX/XX/XXXX, expressing my disappointment and requesting an update. I also tried to correspond with Chase customer service and Chase travel through my online chase account.
Chase travel finally responded with an acknowledgement through an e-mail that they had received and located the death certificate that I had sent them. The e-mail was from XXXX, one of the Travel consultant supervisor for chase travel. According to her, they had forwarded the death certificate to XXXX. She apologized for my experience with them and also asked me to disregard any other emails from them requesting documentation. During this whole ordeal with Chase, I had contacted XXXX numerous times and spoke to different representatives. According to XXXX, In order for Chase to process my credit, they didn't need to forward the death certificate to XXXX.
In one of my initials calls to Chase after my return to the United States, I found out that the case number / reference number assigned to us and given to my husband by the by chase benefits department in XXXX could not be used as a reference because I was told that it did not exist in their system. In XXXX and XXXX, I spoke to several people and few supervisors hoping that they could resolve my issue. Customer service agents who seemed willing to help did not have the authority to resolve my issue as there was no outcome and I ended up wasting several hours without any resolution in sight.
There was one supervisor in Chase travel department, which was probably being managed by XXXX, named XXXX, whom I ended up speaking with twice. During our brief conversation, She flatly refused to help me or answer any questions. She had the most condescending attitude that I have ever experienced from an agent affiliated with any company. She refused to give me an update or call XXXX. She refused to transfer me to her manager or anyone that could assist me. To top it all, she told me I needed a proof that I was related to the deceased which was contrary to what I had been told up till that point that all I needed was a death certificate. I called XXXX and according to them, a proof of relationship was not necessary or required. XXXX told me that it was their policy that all that was needed was a death certificate and Chase should have processed my credit as soon as they received it.
In XXXX, I emailed and I called Chase few times and each time I was promised that a supervisor would get back to me which never happened. One of the last representatives that that I spoke with was on XXXX, XXXX, who was from Chase benefits department. To my utter shock and surprise, he told me that they didn't have any type of claim for me on file. I was beyond hope at that point. He then transferred me once again to their travel department. The representative there told me that they were still waiting to hear from XXXX. I requested to speak with a supervisor and she told me it would be two hours before I could speak with one. She promised that a supervisor would call me back but as always, I never heard from anyone.
After several weeks on the phone with Chase and after speaking to XXXX multiple times who repeatedly told me that the delay was from Chase, I finally decided that I would wait and see if the issue would be resolved. Today is XX/XX/XXXX and Chase has still not processed my credit and followed up or called back in response to any of my previous phone calls even when they promised that I would receive a phone call.
I have finally decided that I am going to file a formal complaint with every private, state and federal consumer protection agency or organization. I would share my experience on any relevant online or offline forums available to me. I have been a great customer. I may have been frustrated with my experience but have always been respectful in my communications with Chase or its representatives. I have been managing my credit responsibly over the years, had several premium credit card offers as I had met their criteria to apply for their cards with similar benefits as Chase Sapphire. I decided to go with Chase and was hopeful that I would take advantage of their travel benefits. I spent thousands of dollars using my Chase card even though some of my other cards also offered attractive benefits.
As stated earlier, I fulfilled my obligation of using credit responsibly and of paying my bills. Chase on the other hand, failed to issue me a credit and fulfill its promise. A timely credit, under the circumstances, was my right. It was according to and within the rules set by both the Chase and XXXX Airlines. Unfortunately, I was never able to utilize the points that I had accumulated. A credit card company at the very least should treat every customer with respect, follow their own rules, keep their promises and follow up with their customers and if required and within the rules, be its customer 's adovocate on his or her behalf when dealing with third parties. I feel that Chase fell short of these basic standards and expectations. It with deep regret that I have to reconsider my business relationship with them. It is a shame that a well known company like Chase offering a premium card such as, Chase Sapphire and charging a $ XXXX yearly membership fee for it, would have such a poor service. It is either a case of extreme mismanagement by chase or a system deliberately designed in such a way that it only benefits the company at the expense of its customers.
Company Response: Closed with monetary relief
2019-06-11
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Closed with explanation
2019-06-11
Closing on a mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2019-06-11
Arden, NV
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Card was charged for something you did not purchase with the card
Company Response: Closed with monetary relief
2019-06-11
Santa Clara, CA
Problems at the end of the loan or lease
Vehicle loan or lease: Lease
Problem with paying off the loan
Company Response: Closed with explanation
2019-06-11
Euclid, OH
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Delay in processing application
Complaint: I applied for a Chase Freedom Unlimited Business credit card online on XX/XX/2019. On or about XX/XX/XXXX, I received a letter requesting additional documentation.
Specifically, they requested highly confidential information including a copy of my personal driver license or passport, a copy of my personal social security card, a personal utility bill, an IRS EIN confirmation letter for my business that includes the business physical address and EIN.
I collected up the requested documents and went to Chase Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX. I arrived on XX/XX/XXXX around XXXX XXXX eastern time. I gave the clerk the documents and the original letter from Chase. I pointed out the fax number on the second page of the " Action Needed ''. She wend in the back office for a bit and then returned a few minutes later and said the fax was successful. I asked if there is a confirmation receipt and she said there was not.
On or about XX/XX/XXXX, I received another " Action Needed '' letter from Chase requesting the same documents ( Attached ). I called the telephone number listed on the document and was told that they did not receive the fax. The call center agent verified the fax number on the document was the correct number. They also verified that the reference number was correct. The indirectly communicated message was that I must have made a mistake when sending the fax and that I should send the documents again.
I pointed out that Chase just lost several highly confidential documents that could easily lead to personal and business identity theft with catastrophic consequences for me. The call center agent did not express any concern over this loss of PII so I asked to talk to a supervisor. The supervisor suggested returning to the branch and talking to a banker to find out what happened.
On our about XX/XX/XXXX, at about XXXX XXXX I returned to the Chase Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX, and asked to talk to a Banker. I was told it would be at least 45 minutes wait to talk to a Banker. I explained the situation to the teller and she shrugged and said there is only one banker on duty right now. She did not seem concerned about the misplaced PII nor did she provide any instructions about how to determine what happened to my PII and business information.
I foolishly thought this was a one-off mistake and decided to have my wife re-fax the information so that I could be sure the fax number and documents included were correct.
On XX/XX/XXXX at XXXX XXXX eastern time, my wife confirmed to me that the documents were successfully faxed to XXXX, the fax number listed on the " Action Needed '' documents.
I called XX/XX/XXXX to confirm that Chase received the documents. I was told they have not received them yet but it can take up to 48 hours for faxes to be " processed '' into the system.
Today, XX/XX/XXXX at XXXX central time, I called and was told the documents have not been received. Again, the indirectly communicated message was that I must have made a mistake when sending the fax and that I should send the documents again. I again asked for a supervisor and again the supervisor suggested that I fax the documents again.
I emphatically asked for some way to find out what happened to these highly confidential documents once they were faxed to Chase. The call center agent and supervisor ( XXXX - I'm not sure of the spelling? ) did not demonstrate any concern, suggested it was my mistakes, and did not provide any information about how to go about determining what Chase did with this information.
Company Response: Closed with explanation
2019-06-11
Staten Island, NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Closed with non-monetary relief
2019-06-11
NY
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with balance transfer
Complaint: My ex husband and I needed to split our joint XXXX XXXX credit card debt as per our divorce agreement. In XX/XX/2019, I opened a Chase Freedom credit card. In my application, I indicated that I will want to transfer a balance and entered in my XXXX XXXX credit card information and the transfer amount. I got my Chase Freedom card and created an account. I noticed there was no balance transfer, so I did it myself through the account I had just created. On XX/XX/2019, {$2400.00} was transferred from my XXXX XXXX credit card to my Chase credit card. Then on XX/XX/2019, {$2400.00} was transferred from my XXXX XXXX card to my Chase card. Realizing that this was a duplicate transfer and error on my part and that I had now consumed all the debt from my credit card with my ex husband, I contacted both XXXX XXXX and Chase to request that the transaction of {$2400.00} be reversed. I was told that this was not possible and received a letter in the mail from Chase in XX/XX/2019 indicating that they could not accommodate my request to undo the transfer. I then resolved the matter between my ex husband and myself. He opened his own XXXX XXXX account and transferred he share of our debt ( {$2500.00} ) from my Chase credit card to his XXXX XXXX card ( transaction on XX/XX/2019 ). Then on XX/XX/2019, I noticed a {$2400.00} " Payment Adjustment '' on my XXXX XXXX card. I called XXXX XXXX and they told me it came from Chase. I called Chase and they told me that I had requested this. I said yes, two months ago and you informed me in writing in XX/XX/2019 that you could not reverse the transaction. They escalated and looked into the matter. On XX/XX/2019, XXXX from Chase left me a voicemail indicating that they realize the error on their part and that they are going to adjust by recalling the funds back to my Chase card and credit it back from XXXX XXXX. As of today, XX/XX/2019, the {$2400.00} debt is still appearing on my XXXX XXXX card AS WELL AS still appearing as debt on my Chase Freedom card. I have been charged {$95.00} in interest for this month from XXXX XXXX due to this problem created by Chase. I have spent hours now trying to get this resolved. Every person at Chase I speak to asks me to repeat this story to them and then they have to look into my account which consumes more time. Today after seeing that I now have {$95.00} interest charged from XXXX XXXX and that the debt of {$2400.00} is still on both cards, I contacted Chase again. I spoke with XXXX ( she was very helpful and understanding ). After again explaining what happened and waiting for my account to be reviewed, I was told that the request to cancel was dated XX/XX/2019 and could take 5-7 days to process, but might take up to 30 in which case I will be charged interest on this debt again by XXXX XXXX. She did issue me a refund of {$73.00} for the XX/XX/2019 transaction fee to, but said that is all she could do.
Company Response: Closed with monetary relief
2019-06-11
Rose Hill, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Closed with explanation
2019-06-11
Grosse Ile, MI
Managing an account
Checking or savings account: Checking account
Fee problem
Complaint: I checked my bank account and had an available balance of {$94.00} at approximately XXXX EST on XX/XX/2019. Upon checking my account this morning my account was over drafted with three insufficient fund fees being assessed. When I called to ask how was I assessed these fees on pending transactions, and why the order of the pending transactions continued to change daily, no one could provide an honest answer. I first spoke with XXXX located in a call center in the XXXX, she stated that the transactions that came through were delayed because of the past XXXX XXXX holiday. However, these transactions were made earlier in the previous week. Yet, a check that was just presented potentially on a non-business day, Sunday, or, on the following business day due to the holiday, which would be Tuesday, XX/XX/2019 had cleared within a day. Which has never happened. The checks that I have written in the past to the said entity of XXXX XXXX XXXX XXXX, as well as other checks presented have always taken a minimum 2-3 business days. Yet, this {$160.00} was taken and applied first after several transactions dating back to the previous week.
I then asked to speak with a supervisor. I was transferred again to a XXXX call center and spoke with XXXX XXXX. She by her own admission stated that they have an ordering system for transactions and they can and will post items even at XXXX based on their own criteria. Again, I said that if Im being assessed fees for pending items, that I am not being allowed the opportunity to make a deposit or transfer funds into the account before XXXX of that business day which is marketed as a overdraft and debit protection.
I called back a third time and spoke with XXXX in a XXXX based call center. She advised me that the bank has no control over when merchants submit ACH automatic debits and for credit purchases, the merchants have 180 days to do so. Again, this is not logical because for all debit purchases require the cardholder to enter their pin, which should equate to the funds being debited IMMEDIATELY. She by her own admission stated that the order sequence is from HIGHEST to SMALLEST transaction. I told her that these were all debit transactions that have been reordered and some were extremely aged from the previous week. I then asked to be transferred to a supervisor in a US based call center. At this time, I was transferred to XXXX. She advised that theyre ordering system starts with the HIGHEST amount transaction per category then to lowest and they can assess 3 insufficient fees per day. This proves that not only does Chase change the ordering system, it is likely they utilize a software program to do so. This is very deceptive in nature. And it greatly benefits Chase to be able to profit substantially in the amount of {$100.00} per account holder per day. This has and remains to be an ongoing issue with this institution in which several class action lawsuits have been brought against for such deceptive and unethical business and banking practices. Chase has simply attempted to find a method that appears to be legal and undetectable to gain profit. Even if doing so on pending transactions which is not only unethical but seemingly illegal.
Chase continues to misrepresent their debit protection, overdraft protection, processing times, and processing order. Their processing order overdrafts the account on items that would have more than enough available funds to cover. However, Chase continues to change the order on days old transactions for the potential to have consumer overspend and be manipulated in what their balance truly is. And they have adopted such practices and implemented training to their employees domestically and internationally to deceive the unwitting and otherwise inattentive account holder.
Since filing my first complaint, this predatory practice has occurred again on twp separate occasions resulting in an additional 8 fees amounting to {$270.00} on the account. 3 being assessed in the early morning hours after XXXX EST.
Company Response: Closed with monetary relief
2019-06-11
Pasadena, CA
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Complaint: Below was the response from Chase from my first complaint which did not answer my two main questions : 1. Why is the account being reviewed? and 2. When ( date specific ) will the held funds be returned?
My Feedback to that response is below We regret any misinformation given to you and appreciate you taking the time to tell us about your experience with us. Your feedback is important to us. We aim to give exceptional service and are sorry if we did not meet this goal. The agreement between us was that Either you or we may close your account ( other than a CD ) at any time for any reason or no reason without prior notice. You can find this on page 12 of the Deposit Account Agreement. You were provided a copy of the agreement when you opened your accounts or you may view the current agreement on chase.com. We are not required to give you a reason for our decision to close the accounts. Enclosed are copies of the account closures letters we mailed you for your reference. Once our internal review is complete, we can request for the funds to be sent to you overnight. We apologize for the inconvenience.
Attachments XXXX XXXX XXXX ( 18.2 KB ) XXXX XXXX ( 73.2 KB ) Feedback provided Status Feedback provided on XX/XX/2019 Your feedback The companys response addressed all of my issues No ADDITIONAL COMMENTS When will the internal review be complete - there is no timeline given as to how long the funds can be held?
I understand the companys response to my complaint No ADDITIONAL COMMENTS I did not ask why my account was closed I asked for my funds to be returned and why the funds are being held for review in the first place. I've given crystal clear explanations about questions related to account activity to bankers at the branch who understand the transactions and they have relayed this information internally. Why is the money not being returned?! If not now, When?! these are my questions yet the only answer I received is that we don't have to tell you why we closed the account ( I already know ) and that the account is being reviewed internally ( again, I already know ). I want to know the following : 1. Why are the funds being held. 2. When ( date specific ) will they be returned.
The company did what they said they would do with my complaint No ADDITIONAL COMMENTS I want answers to my questions! I do not wish to involve my attorney but unless I can get real answers, what choice do I have?
Company Response: Closed with explanation
2019-06-11
Philatelic Center, CA
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Complaint: On XX/XX/2019 at XXXX PDT, I went to the Chase Bank on XXXX XXXX XXXX , in XXXX , CA to withdraw cash from my checking account in which I had a balance of {$4000.00}.
When I arrived, there was only one ( 1 ) clerk, and at least 6 ATM machines inside of the branch. The clerk was busy waiting on another customer, so I decided to use the ATM machine inside of the branch at terminal XXXX which printed on the receipt.
I input my debit card into the ATM machine and indicated that I wanted to withdraw {$2000.00} in a series of {$100.00} bills.
The ATM machine informed me on the screen that it was getting ready to dispense my cash, proceeded to make several noises and sounds as if it was dispensing my cash, but the cash never came out of the machine. ( I was shocked and baffled ).
The ATM machine, then printed out a receipt telling me that there was an error with the machine and that the transaction " could not '' not be completed to contact customer service.
I approached the clerk, told her what had just happened. She proceeded to ask me for my debit card.
I told her that I wanted to withdraw {$2000.00} from my checking account and she then informs me that there was not enough money in my account, and printed a receipt that showed that I only had {$1600.00} in my account. ( Again, I was shocked and baffled, because she was disregarding what I had just explained to her ).
The clerk then told me that the {$2000.00} from the ATM had been deducted from my account balance of which I had already informed her of that.
She then told me that I would have to wait until another clerk in private offices would be able to assist me and that there were three ( 3 ) customers ahead of me, and that their system was down.
I waited at least 40 minutes and while waiting called Chase Bank customer service to file a claim and then left the bank.
Several days afterward and to no avail Chase informed me that they would take 10 days to investigate my claim and that my account could not be credited a temporary credit until after 10 days.
The following week, l received a temporary credit of {$2000.00} back to my account only for it to be reversed a few days later because Chase told me that they had investigated and found no fault with their ATM machine.
That's a XXXX XXXX XXXXXXXX! They have robbed me and longtime customer.
In addition, I had a balance of {$570.00} in my account in which Chase " did not '' let me withdraw and placed a hold on my account which has now made my account " negative '' in the amount of {$1400.00}.
Lastly, Chase closed out my checking account, and voided my debit card.
Company Response: Closed with monetary relief
2019-06-11
Katonah, NY
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-06-11
Brooklyn, NY
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Complaint: On XX/XX/2019 someone stole my wallet and used my cards in my wallet while I was working in XXXX XXXX, XXXX. ( 1 chase debit card, 2 chase credit card ) to make purchases. I called my bank and froze everything, but my bank rebilled me for XXXX $ from XXXX XXXX XXXX in XXXX, NY. I called them to explain that someone stole my wallet on XX/XX/XXXX and that was not me doin the transaction. I sent in 20 pages of documents proving I was at working in XXXX XXXX while the transaction was being made in XXXX. The documents included my police report, 4 Surveillance camera photos of me working at the time of the transaction, A letter from my manager stating I was at work, My phone log of call chase on XX/XX/XXXX. However, Chase continues to decline my dispute after all the overwhelming evidence I sent to show them I was not in XXXX. Their reason was because I did not report it stolen, but at that time I was unaware that my wallet was missing. I found out after the credit card call told me to check my pant. I called multiple time to tell them it was stolen. Their argument is that it was a chip on chip transaction and the store is in my geographic location so it was obviously me. However, I sent in documents to prove I was not in XXXX at the time of the transaction, but my bank continues to ignore the facts. They continue to deny my case and adjusting my balance accordingly. I have proven I was not in XXXX to make the transaction and that my wallet was stolen from me. It has been such a headache dealing with chases recovery department and their method of investigation. It is so absurd how they do investigation while I have proven that it was not me.
Company Response: Closed with monetary relief
2019-06-11
Glendale, CO
Fraud or scam
Money transfer, virtual currency, or money service: Domestic (US) money transfer
Complaint: I attempted to purchase baseball tickets from an ad on XXXX. I called the person who I was transacting with to get a sense of them and to insure it was a real phone number. The person seemed fine, and suggested we use XXXX and the XXXX app. I paid him {$70.00} through the XXXX transfer action on my Chase phone app, and he never sent over the tickets and stopped responding to texts/calls. I then reported the incident to the XXXX Police fraud unit, and called Chase. Chase said that there was no reimbursement option because XXXX is a third-party partner, and that they are not responsible for fraud.
Company Response: Closed with explanation
2019-06-11
Maynard, MA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Complaint: There is this account on my XXXX and XXXX credit files that I do not recognize, the account is showing with a status charged off but the problem is that I never had an account with this company called JPMCB AUTO FINANCE, the account number that it is being reported is XXXX and there is no phone number being reported and it is also showing that the account was opened on XX/XX/2013. I have disputed this account with XXXX and XXXX and for some reason they tell me that the account was verified as accurate. XXXX and XXXX are reporting this account as charged off, I know this cant be right because like I said I never had an account with this company. I asked them for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes. I want JPMCB AUTO FINANCE to provide me with the original contract that has my signature on it or for the account to be deleted from all of the credit bureaus.
Company Response: Closed with explanation