Consumer complaint received 2021-11-04
Company: JPMORGAN CHASE & CO.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX, as CEO of XXXX XXXX XXXX XXXX, I applied for a company credit card through Chase Bank. It was specifically agreed between Chase and myself that the card would be a company card with no personal liability to me or anyone else but, rather, the obligation of XXXX XXXX XXXX XXXX My application in XXXX specifically included the fact that it was a corporate card with no personal liability to me or any other person. 

The account was properly used and paid by XXXX XXXX XXXX XXXX for seventeen years and, upon the corporations dissolution on XX/XX/XXXX, I notified Chase in writing of the status ( see attachment 1 ). Throughout the seventeen years, all bills and payments were sent to and paid by XXXX XXXX XXXX XXXX and sent to XXXX XXXX address. I have advised Chase in writing and on the telephone that there is no personal liability, as per their own application, to me or anyone else. I have repeatedly asked them for a copy of any documentation indicating personal liability of any sort ( see attachment 2 ). Please note that some of the communication was undertaken through a power of attorney to my brother, XXXX XXXX, as I was in a XXXX XXXX medical emergency. They approved and accepted this power of attorney ( see attachment 3 ).

We have contacted all three credit agencies informing them that Chase was forwarding them false information regarding the liability for the card and, similarly, advised Chase of these notices ( see attachment 4 ). For sixteen months, Chase has failed to acknowledge any of our communication, failed to forward our XXXX application and failed to contact any of the credit agencies to correct Chases false reporting as to my personal credit. In addition to our written correspondence to Chase, we have had approximately twenty phone calls to Customer Service, Credit Card XXXX, XXXX XXXX and a faxed letter to Documents ( see attached 5 ). All the calls were recorded by Chase. At no time has Chase responded to our communications, forwarded us our application or done anything to alter their false allegation as to my personal liability. As a direct result, my credit score has plummeted and I have been unable to undertake any necessary transactions. Chase continues to assert that I am personally liable for the card balance, with no evidence whatsoever of such allegation, and has hired a collection agency to harass me. 

The card has not been used since XXXX XXXX dissolution in XXXX, XXXX, but Chase continues to charge interest each month and allege that it is my debt, despite the above described multiple notices to the contrary. 

At the very least, I am asking you to force Chase, under FCRA and FDCPA, to immediately provide me with responses to my complaints to them, provide me with the application they claim establishes personal liability and copies of their responses to the credit agencies. In addition, I would like to know my remedies for the failure of Chase to fulfill their obligations under the above laws and for forcing Chase to cease alleging this is my debt.

Company response to consumer: Closed with explanation