Consumer complaint received 2023-06-04
Company: JPMORGAN CHASE & CO.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Chase in matter of account XXXX caused harm by violating Fair Debt Collection Practices and CFPB settlement agreement ( see below ) Chase Did : Subjected this consumers to collections activity for accounts that were inaccurate, in amounts that were charge-off amount differently reported to reporting agency. 
Sold certain accounts to debt buyers of those inaccuracies, and fees and or interest after charge-off not owed by the consumer, or otherwise noncollectable. 
Submitted records requested from the collection agent to verify, and communicate directly with consumer to protect rights afforded under FDCP 1006.38 1006.34 and 1006.22. The original creditor taking on role as debt collector not license to act as such by responding for the debt collection agency interferes with rights and ability to challenge response with itemization and " Validation of Debt '' Validation information under ( c ) ( vi ) ( vii ) ( viii ) ( 3 ) Information about consumer protections and ( 4 ) Consumer-response information for consumer to respond including ( i ) Dispute prompts, The action of Chase interfered with consumers ability under act to obtain timely validation from Debt collector not Creditor Chase, as under Act a ) ( 5 ) Validation period Chase sold and resold and confuse, failed to assure accurate reporting and amount of indebtedness because agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX all were whom Chase resold the debt repeatedly and violated the agreement entered into in matter of Federal Debt Collection Practices Act ( FDCPA or the Act ) for alleged violations of 1692 of the Act. Anderman v. JP Morgan Chase Bank, XXXX XXXX, ( XXXX XXXX. XXXX XXXX, XXXX ). 
XXXX XXXX mailed the XX/XX/XXXX collection letter without meeting the requirements where information was absent on the back even where in the letter it indicated it was " On reveres Side ''. 
The actions of Chase Bank to report to reporting agencies different amounts claimed owing then the communication with consumer constitute misleading, confusing, defraud and collect on inaccuracy ( s ) The XXXX for instance reflects {$4200.00} high balance reported XXXX XXXXowed, with credit limit of {$3900.00}, also last payment XX/XX/XXXX with charge -off date. The company Chase can not charge interest and fess after Charge-off sold debt, where Chase may already have 1099-C issuance relief, nonetheless the calculated amount for which Chase reported to Debt Collector ( s ) of {$4200.00} include interest and fees after charge-off. Chase also is in violation of : Chapter 358-C UNFAIR, DECEPTIVE OR UNREASONABLE COLLECTION PRACTICES Section 358-C:1 Lastly when Chase was noticed to close the account during COVID Chase error in the entered COVID relief agreement which consumer met the monthly agreement without exception. After six month Chase cancelled the relief yet continued it for another Chase account for which consumer pays {$88.00} without fail, being. Chase account XXXX

Company response to consumer: Closed with explanation