Consumer complaint received 2023-10-03
Company: JPMORGAN CHASE & CO.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to follow up on the open case [ XXXX ] that I have filed against Chase Bank , which pertains to alleged debt collection activities. The following accounts in question are : XXXX XXXX, XXXX & XXXX. It has come to my attention that Chase Bank has failed to comply with legal requirements and continues to engage in harassing and improper debt collection practices, despite my prior complaint and your intervention in this matter. 

As previously communicated, I have been inundated with an incessant stream of illegible documents from Chase Bank, none of which substantiate their claim that the alleged debt is indeed mine. Moreover, Chase Bank has not adhered to the established legal standards by failing to provide clear and valid documentation supporting their claim.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, debt collectors are required to provide consumers with clear and concise verification of the debt 's validity upon request. To date, Chase Bank has not met this fundamental obligation. The documentation they have provided remains ambiguous, leaving me in a state of uncertainty regarding the legitimacy of the debt in question. 

Additionally, I have received a generic letter from Chase Bank asserting that I did not provide sufficient information for them to initiate an investigation into this matter. This assertion is both misleading and inaccurate, as I have provided all necessary information required under the FDCPA and your agency 's guidelines. It is clear that Chase Bank is attempting to obfuscate their non-compliance with the law and evade their responsibility in resolving this dispute. 

Chase Bank 's actions in this matter not only constitute a breach of the FDCPA but also demonstrate a disregard for the principles of good faith and fair dealing, which are foundational in contractual relationships. Pursuant to the FDCPA and other relevant consumer protection laws, consumers are entitled to fair, transparent, and honest treatment during the debt collection process, which Chase Bank has flagrantly violated. 

I have attached the correspondences received from Chase Bank, which clearly illustrate their unwillingness to cooperate in good faith. I urge the Consumer Financial Protection Bureau to take swift and decisive action to compel Chase Bank to adhere to the law and fulfill their obligations under the FDCPA. 

In light of Chase Bank 's continued harassment, lack of compliance with legal requirements, and their failure to provide clear evidence substantiating the debt 's validity, I request that the Consumer Financial Protection Bureau take all necessary measures to ensure that Chase Bank promptly ceases its improper debt collection activities and initiates a thorough and legitimate investigation into this matter. 

I appreciate your prompt attention to this serious matter and trust that the Consumer Financial Protection Bureau will uphold its mandate to protect consumers from abusive and unfair debt collection practices. Please keep me informed of any developments in this case and the actions taken by your agency.

Company response to consumer: Closed with non-monetary relief