JPMorgan Chase & Co. Credit Card Complaint

JPMorgan Chase & Co. Credit card department,

Delinquent account New Jersey

In - I opened a company. I had a business checking and savings account with Chase. The business began to make money. Chase offered me a business credit card - just sign here. So I opened card ending in -. There was no attempt to advise me that this business account could - on certain occasion - impact my personal credit history. The business card was reported to TIN -. The business held the card from - until the business closed until -. ( See final return ). However I continued to personally pay off the balance of the card after I had moved from -, where the business was domiciled, to - in -. Chase Bank sent promotional offers to my new address. I also received some old business mail, which was forwarded to my new address as well as junk business mail.


score had dropped and this was very damaging. I immediately called Chase business services. The Chase Business Services Representative told me that if I paid the balance by - - this would not affect my credit and would not move to a new department which I assumed to mean Collections. He told me that the only instance in which the negative ding could remain on me personal credit history is if the account goes into default. The account was paid in full by the end of the month. See attached copies of confirmation of payment, confirmation of - balance and confirmation of business and not personal account letters from Chase Bank. I have also included the credit reports from the agencies that have failed to delete this entry from my credit report. - has deleted the closed business card ending in -. Unfortunately - and - have not removed this disputed reporting. I believe Chase Bank employed several unfair and deceitful practices on me. They failed to advise me of credit risk before accepting their business credit card. They further obfuscated the risk by never reporting the business card on my credit history - leaving me totally unaware of the risks involved. They misadvised me to pay off the card. They flout the law, which only calls for a business card to be reported in the event of a default. I paid the balance of the card off in 2 months. By law, this should have been deleted, as I have requested numerous times. I would like to file a report against Chase Bank as well as - and - to have this closed business card removed from my personal credit history. It was never there before and does n't belong here now, especially since it was closed and the balanced paid to - in -/-/-.