Consumer complaint received 2020-09-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTACHMENTS INCLUDED. THIS IS NOT A DUPLICATE COMPLAINT FROM A 3 YEAR ORDEAL! I will use extreme care how I word this letter to prevent any further misunderstanding from Chase.

The credit card was mine. The credit card was stolen. There were unauthorized purchases and unauthorized payments that Chase allowed so the credit limit could be exceeded. I  have previously sent a XX/XX/XXXX sheriff 's report and FTC identity theft reports. Chase refuses to give explicit reasons why they disregard these reports. I talk with simple messengers instead of talking with those who can explain their investigation. I have repeatedly requested methods of payments to show I did not authorize the " bounced '' payments. How can a thief make 5 insufficient payments in one month without Chase realizing? Is it an insufficient  software problem or an employee error? When people think of large companies, they think of cutting-edge technology that protects against thieves and protects their private information in this day and time. 
XXXX XXXX at Chase called today to verbally inform me the payments made in XXXX that bounced were from my bank accounts. No details, no proof. I keep detailed records of both my accounts. Neither reflect the 5 payments that bounced. I then received the attached package today in the mail marked as " Exhibit A ''. Again, no proof, no details, and no one to talk directly with.

1 ) The letter received today stated Chase received  payments that were in my name and business name. Chase sent the XXXX and XX/XX/XXXX statements. The XX/XX/XXXX statement reflects a {$230.00} web payment. That is my payment. The XX/XX/XXXX statement reflects a {$220.00} web payment on XXXX. That is my payment. I always made payments on the web never mobile or phone. Then the XX/XX/XXXX statement reflected a {$2400.00} phone XXXX payment that eventually bounced. This is not my payment. Chase did not send the XXXX and XXXX statements. I have attached as Exhibit B. The {$2400.00} XXXX mobile payment on the XXXX statement was not mine. Didn't you think that is odd ; a monthly payment and then large payments the next day that bounced? Come on people! Then the XXXX Statement payments that bounced were not my payments. Two were web and two were mobile. I never made mobile payments. Again, didn't you think that was odd ; multiple large  payments that bounced in a short period? Maybe even a red flag should have gone up? Unauthorized payments were done on my other cards using an account from XXXX XXXX. I have never had a XXXX XXXX account. 
2 ) The letter states I did not inform what charges were unauthorized. Every charge from the XXXX statement was not authorized. I was not using but gradually paying my cards off. I was just recently designated a XXXX survivor by XXXX  XXXX XXXX. 
3 ) The letter continues that the phone number was changed to ending in XXXX. The number is and was and never not mine. I have never talked with Chase on that number. I am not married and haven't been married since XXXX. Investigate and check the records. So, someone called from that number claiming to be my spouse and Chase is curious. So, they call back on that number that I didnt authorize and spoke with me???????? And Chase apologizes if I had provided a different number?????? Perhaps Chases investigators need to read this paragraph several times to understand how ridiculous it is. 
4 ) In addition, I learned the login had been changed to XXXX. How? Why? This was an unauthorized change.

Company response to consumer: Closed with explanation