Consumer complaint received 2023-07-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I originally sent XXXX dispute letters on XX/XX/2023 challenging XXXX credit card charge off items that are on my credit report by certified mail to JPMCB CARD SERVICES/Chase. They responded with XXXX response letters dated XX/XX/2023 that falsely stated that they did not have enough information from me to start an investigation into the items I disputed or to verify the items, this letter from Chase said they needed a copy of my credit report showing the items I am disputing, my social security number, my complete account number, and documents that support my dispute. 

This is a false statement from Chase because my 3 initial dispute letters I sent to Chase had enough information to conduct an investigation into the items I am disputing. My 3 initial dispute letters I sent to Chase had my Name, Address, account number as listed in my most recent credit report for the items disputed, the debt amount I am disputing, and the last 4 of my social security number. That is more than enough information to start the investigation and verification process and Chase still did not at that time and falsely stated that they could not start the investigation when they could.

After this, I received 2 letters from Chase dated on XX/XX/2023 and XX/XX/2023 that try to verify XXXX disputed items contradicting the previous letter Chase sent that said they did not have enough information to start the investigation and verification process. The wording in the front page of the letter doesn't even refer to this as an official verification of the disputed items, it says they are enclosing a copy of my billing statements as requested. The amount in the billing statements of these XXXX verification letters from chase do not match the debt amount I am disputing in my initial dispute letters. 

After receiving these improper verification letters from Chase, I also received 2 more letters from Chase dated on XX/XX/2023 that try to start debt collection activities even though they still did not properly verify the 3 debt items from Chase on my credit report that I disputed on XX/XX/2023. 

Chase has violated debt collection and consumer rights laws throughout this whole situation. The Fair Debt Collection Practices Act law says that once a debt is disputed by the consumer, debt collection activities can not continue until the debt is properly verified by the creditor or debt collector. Chase did not properly verify any of the three of the debts that I disputed and still continued collection activities. The most recent collection letter they sent is dated XX/XX/2023 and their most recent improper verification letters are dated XX/XX/2023 and XX/XX/2023, so the collection letters from Chase were dated XXXX days before the improper verification letters that chase sent when they should be dated after they send a proper verification which Chase did not. Chase did not comply so far with the 30 day time limit that was listed in my initial dispute letter to respond with proper verification of the 3 debt items from Chase that I am disputing.

I am requesting these 3 charge offs from Chase that I disputed to be deleted from my credit report immediately. If these 3 charge offs from Chase are not immediately deleted from my credit report, I will launch a small claims lawsuit against Chase.
At my local venue, I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I attached all the documents sent and received throughout this whole situation so far to this complaint

Company response to consumer: Closed with explanation