JP Morgan Chase Credit Error
Are you having issues with JP Morgan Chase? Are they reporting you as deceased?
Is Chase messing up your credit report? Is Chase misapplying your funds? Is Chase attempting to foreclose on your home for no reason?
If any of these sound familiar to you, then contact my office for a free 30 minute consultation.
JP Morgan Chase can be sued in Georgia if they violate any state or federal laws. These laws may include the Fair Credit Reporting Act, RESPA, the Truth in Lending Act, Fair Credit billing Act, the Telephone Consumer Protection Act, and the Georgia Fair Business Practices Act.
Our Atlanta / Decatur office has experience litigating against JP Morgan Chase and the credit reporting agencies such as Equifax, Experian, and Trans Union. If you have suffered emotional distress or economic loss such as a denial of credit denial of employment, you may have a strong claim against this Bank. Don't let Chase push you around.
Make Chase follow the law and apply or correct the problems that they are creating. If you have any questions about your credit report or mortgage servicing with JP Morgan Chase, please contact my office.
If you notice an error on your credit report by Chase, don't make the mistake of only talking to Chase about it. You will want to contact Chase and notify them of their issue, and you may want to put that in writing, but one of the important things to do is to contact the credit reporting agencies. When you contact the credit reporting agencies like Equifax, Trans Union, Experian this creates liability for Chase if they don't conduct a good investigation until your dispute. Many people make the mistake of only disputing the issue with the bank.
Many times in the past Chase has created issues by improperly applying funds. Some times Chase will use a surplus account or sometimes Chase we use a suspense account. Sometimes Chase will use unpaid balance accounts. In many of these circumstances, Chase may be violating the law in a variety of ways.
If you need an attorney in Atlanta to sue JP Morgan Chase & the credit agencies, be sure to contact us today to have a conversation.
Call Atlanta attorney Joseph McClelland to fight Chase and correct the problems.
Basics of the Fair Credit Reporting Act:
The credit reporting agencies are required to keep accurate credit files. 15 U.S.C. § 1681i(a)
When a consumer disputes information with a credit reporting agency, the agency must “conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.” 15 U.S.C. § 1681i(a)(1)(A).
The FCRA requires CRAs and entities like Chase that furnish information to CRAs (“furnishers” or “furnishers of information”) to investigate disputed information.
The furnisher of information like Chase must: (1) “conduct an investigation with respect to the disputed information”; (2) “review all relevant information provided by the consumer reporting agency” in connection with the dispute; and (3) “report the results of the investigation to the credit reporting agency.” Id. § 1681s-2(b)(1)(A)–(C).