JPMorgan Chase & Co. Credit Card Complaint

Delinquent account

JPMorgan Chase & Co. Credit card department,

Delinquent account South Carolina

First, let me start off by saying that i have - or more credit cards and my mortgage with Chase. Chase Amazon credit card was paid in - of 2015. In - of 2015 i have a 30 to 60 day late pay on my credit report dropping my score from - to -. Shocked! I logged into equifax to find that my Chase Amazon card was reflecting a past due $7.00 amount. Called and paid it immediately and then contacted chase. I had never recieved a bill from chase, let alone a " past due '' one. Never recieved a call. Spoke to Chase and they stated that they sent mail and send emails. I clearly put on my original application that primary method of contact was by phone. One chase employee said they did call. When i asked for dates and times she said, " i apologize, we didnt call you and it looks like the amount due was interest after the payment in -. '' I spoke to another employee of chase and she said that, yes, we did call you, asked for dates and she gave me - - at - and -. My question to her was, that was after i called and made the last payment and why would they all of a sudden call then. I also asked her why the back to back call. CLEARLY, no call was ever placed to me. While speaking to ANOTHER employee i ask " did i not get called due to the amount being only $7.00? '' The employee told me that was possibility. This is clearly not only fair, unreasonable, but unethical. I am requesting that the late payment be removed immediately. I will not let this go. I have worked hard for my credit and for something like this to hurt it for 7 years is unacceptable. I will not stop until this is resolved.

JPMorgan Chase & Co. customer in South Carolina
Jan 18, 2016

* Source: CFPB Complaint Database

JPMorgan Chase & Co. response to complaint:
Closed with explanation

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