Consumer complaint received 2021-09-29
Company: JPMORGAN CHASE & CO.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accepted being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX and autograph as the agent XXXX attorney in fact, so be it. I XXXX XXXX entered a consumer credit transaction with JPMCB on XX/XX/XXXX. I investigated and found fraud and several violations committed by JPMCB. A consumer credit transaction in which finance charged was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction the finance charge does not include cash. J. P. Morgan ( Chase ) in fact took electronic cash from me as monthly payments from XX/XX/XXXX through XX/XX/XXXX, and JPMCB continues to apply additional charges to the alleged account as shown in Exhibit A, Exhibit B, Exhibit C, Exhibit D and Exhibit F since XX/XX/XXXX. 15 USC 1666d ( B ) ; whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer. J. P. Morgan ( Chase ) in fact produced false and misleading statements since XX/XX/XXXX, that I owe the alleged debt on a positive balance due, J. P. Morgan ( Chase ) has failed to refund me any part of the amount of the remaining credit balance, upon request of the consumer as shown in Exhibit D which was sent XX/XX/XXXX, and Exhibit F sent XX/XX/XXXX. 15 USC 1692c ( b ) ; communication with Third Parties : without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. J. P. Morgan ( Chase ) in fact has provided third parties personal, false, and derogatory information that is sabotaging my character without my consent as shown in Exhibit F since XX/XX/XXXX. 15 USC 1692c ( c ) ; ceasing Communication if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. J. P. Morgan ( Chase ) in fact continues to communicate with me after J. P. Morgan ( Chase ) acknowledged on XX/XX/XXXX, my cease-and-desist letter in Exhibit A. Also, J. P. Morgan ( Chase ) stated in Exhibit A they plan to continue to send me future communications as shown in Exhibit B, Exhibit C, Exhibit D and Exhibit E all dated after XX/XX/XXXX, XXXX.15 USC 1692d ( 1 ) ; the use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. J. P. Morgan ( Chase ) in fact has sabotaged my reputation by threatening to report as shown in Exhibit D and is reporting fraudulent and delinquent information to third parties as shown in Exhibit F since XX/XX/XXXX. 15 USC 1692d ( 2 ) ; 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 : ( XXXX ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. J. P. Morgan ( Chase ) in fact has harassed and abused me in connection with collection of the alleged debt by using obscene language as shown in Exhibit C, Exhibit D and Exhibit F since XX/XX/XXXX. 15 USC 1692e ( 2 ) ( A ) ; a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. The false representation of ( A ) the character, amount, or legal status of any debt. J. P. Morgan ( Chase ) in fact has provided me with a false representation on the amount of the alleged debt as shown in Exhibit C and Exhibit D since XX/XX/XXXX. 15 USC 1692e ( 10 ) ; the use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. J. P. Morgan ( Chase ) in fact has provided me with false and deceptive statements in connection with the collection of the alleged debt as shown in Exhibit D since XX/XX/XXXX. 15 USC 1692f ( 1 ) ; a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. J. P. Morgan ( Chase ) in fact attempts unfair debt collection monthly as shown in Exhibit D since XX/XX/XXXX. 15 USC 1692f ( 7 ) ; a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. ( 7 ) Communicating with a consumer regarding a debt by post card. J. P. Morgan ( Chase ) in fact has communicated with me regarding the alleged debt by post card as shown in Exhibit A, Exhibit D and Exhibit E since XX/XX/XXXX. 15 USC 1692f ( 8 ) ; a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. J. P. Morgan ( Chase ) in fact uses a symbol other than the debt collectors address and it indicates that J. P. Morgan ( Chase ) is in the debt collection business on an envelope when communicating with me via physical mail and telegram ( e-mail ) as shown in Exhibit A, Exhibit B, Exhibit C, Exhibit D and Exhibit E since XX/XX/XXXX. 15 USC 1692h ; if any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer. J. P. Morgan ( Chase ) in fact has applied such payments to the alleged debt disputed by me as shown in Exhibit A and Exhibit F since XX/XX/XXXX. J. P. Morgan ( Chase ) has failed to apply such payment in accordance with my directions as shown in Exhibit D since XX/XX/XXXX. The following attachments were received by JPMCB : Affidavit of Truth, Invoice, Cease and Desist Letter, Exhibit A, B, C, D, E and F on XX/XX/XXXX. JPMCB has failed to provide me with a response to the Affidavit of Truth delivered to them on XX/XX/XXXX and continues to commit the violations mentioned above. I will also attach the return receipt signed by a JPMCB employee and the certified mail receipt I receive from USPS.

Company response to consumer: Closed with explanation