Consumer complaint received 2023-05-03
Company: JPMORGAN CHASE & CO.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a notice and request as per the Fair Debt Collection Practices Act ( FDCPA ), [ 15 U.S. Code 1692 ( g ] for validation of debts made pursuant to the FDCPA laws. In order to validate this debt under the law that exists, please provide me with ALL of the below mentioned items : The identity of the original creditor. The amount of the alleged debt. The name and address of the original creditor, if different from the current creditor. The original lawful contract signed by both parties in wet ink, therefore binding both parties, ( the natural person ), and JP MORGAN CHASE BANK, that prove I agreed to pay the alleged amount. A GAAP accounting documentation ( both on and off ledger ) showing the exact asset used to collateralize this debt. Proof of compliance with the truth in lending laws of the United States Code, title Title 15 1601 et. seq. and Regulation Z.

I do not consent to being contacted through anything but certified mail. If I receive any response other than certified mail rebutting all of the points made thus far, JP MORGAN CHASE BANK is knowingly and intentionally violating me under federal law. Every violation will result in a fine. I sent a CEASE AND DESIST Notice and I am still being contacted. According to USC 1692 ( C ) ( a ) : Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I never gave intended permission to JP MORGAN CHASE BANK or ANY third-party affiliate to contact me. USC 1692 ( C ) 806. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. A debt collector who fails to comply with any provision of the FDCPA is liable for : Any actual damages sustained as a result of that failure ; Punitive damages as allowed by the court : in an individual action, up to {$1000.00} ; or in a class action, up to {$1000.00} for each named plaintiff and an award to be divided among all members of the class of an amount up to {$500000.00} or 1 percent of the debt collectors net worth, whichever is less ; Costs and a reasonable attorneys fee in any such action. JP MORGAN CHASE BANK has not provided me with ALL of the information listed below. The identity of the original creditor. The amount of the alleged debt. The name and address of the original creditor, if different from the current creditor. The original lawful contract signed by both parties in wet ink, therefore binding both parties, XXXX XXXX ( the natural person ), and JP MORGAN CHASE BANK, proving I agreed to pay the alleged amount knowingly and intentionally in wet ink. A GAAP accounting documentation ( both on and off ledger ) showing the exact asset used to collateralize this debt. Proof of compliance with the truth in lending laws of the United States Code, title Title 15 1601 et. seq. and Regulation Z. It is my right to request validation of any purported debt under the Fair Debt Collection Practices Act, and it is your obligation to supply me with the aforementioned materials.

Company response to consumer: Closed with explanation