Consumer complaint received 2023-09-19
Company: JPMORGAN CHASE & CO.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to request the assistance of the Consumer Financial Protection Bureau ( CFPB ) in resolving a matter concerning my credit report. I believe that JPMorgan Chase Bank ( hereinafter referred to as " JPMCB '' ) has inaccurately reported information about my credit history, specifically regarding a credit card debt. I have diligently followed the proper dispute procedures with JPMCB to address this issue, but unfortunately, I have not received satisfactory resolution. 

I have previously sent XXXX formal dispute letters to JPMCB, dated XX/XX/2023 and XX/XX/2023 respectively, regarding credit card accounts that they claim I opened. In these letters, I requested that JPMCB provide documented proof that the debt is indeed mine, including a valid signature as evidence of my agreement to the debt 's terms. To my disappointment, JPMCB has not provided any verifiable evidence confirming my liability for this debt. 

In response to my second dispute letter, JPMCB sent me XXXX separate statement letters ( packets ), each purportedly showing charges related to this disputed debt. However, these statements lack proper verification or substantiation to establish that the accounts pertaining to # XXXX and # XXXX are in fact mine. It is noteworthy that the third account, also reported as owing, bearing account number # XXXX, has not been accompanied by any corresponding statement. All three of these accounts, as delineated, are presently documented on my credit report. 

I firmly believe that it is my right to have accurate and verifiable information on my credit report. The inaccuracies reported by JPMCB have the potential to adversely impact my financial well-being and future creditworthiness. Therefore, I kindly request that the CFPB investigate this matter and facilitate a resolution in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. 

Furthermore, in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), I request that JPMorgan Chase Bank ( JPMCB ) furnish clear and unequivocal evidence that conclusively demonstrates my initiation of the credit line in question as the primary account holder, and not as a authorized user. Such evidence may include, but is not limited to, a signed and executed credit agreement, account opening documentation, or any legally binding contract establishing my independent liability for the debt in question. 

The accuracy and completeness of the reported credit information are of paramount importance in ensuring compliance with federal regulations, including the FCRA, which underscores the necessity for JPMCB to substantiate the authenticity of my indebtedness beyond any reasonable doubt. 

I trust that JPMCB, as a responsible creditor, will promptly provide the requisite documentation to clarify my status as the primary account holder and assist in resolving this matter expeditiously. Failure to furnish such evidence may be construed as a violation of my rights under federal law and could warrant further legal action to rectify these inaccuracies. 

I have attached copies of my dispute letters to JPMCB and one-page each from the statement letters they provided in response, as well as a copy of my current credit report reflecting the discrepancies I have outlined. 

I appreciate your attention to this matter and look forward to your assistance in resolving this dispute. 

Thank you for your prompt attention to this important issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief