Consumer complaint received 2021-02-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
JP Morgan Chase Bank, N.A. ( my bank ), more specifically, Chase Card Services ( " CCC ) and their affiliates from XXXX XXXX XXXX, XXXX, DE XXXX sent me a letter dated XX/XX/XXXX threatening to sue me for credit card charges of {$10000.00} that Ive long-since disputed in writing and to which CCC refused to respond, short of this letter, and some 9 months after the fact. This PO Box attaches to XXXX XXXX XXXX XXXX XXXX XXXX, ( collections lawyers no longer in business ) and XXXX XXXX ( absorbed by CCC ) at XXXX XXXX XXXX, XXXX, DE. I never entered into agreements with these entities, who are clearly predators. In addition to breaking a number of regulations, CCC has broken its specific Consent Orders here with the CFPB entered on XX/XX/XXXX. After reviving CCCs threat, I called the toll-free number on the CCC letter. The first CCC Agent refused to allow me to record our dialogue yet insisted on me being recorded. Ive already proved this as unlawful in CA unlimited Courts against a bank larger than CCC, with substantial punitive damages in Pro Per. This Agent refused to ( a ) allow my chosen advocate to be on the line with me, ( b ) give me their physical address, ( c ) give me a breakdown of all costs and the debt alleged, ( e ) tell me who they are regulated by, ( f ) what their entity and NMLS numbers are, ( g ) provide me with the original statements front and back, ( h ) provide me with the definition of what For undeliverable mail only means which is found on copies of CCCs statements, ( i ) provide me a copy of the contract, ( j ) provide me with a copy of their resolution policy, ( k ), confirm that I received no prior notice to the demand and threat of litigation, ( l ) provide me with their State Registered Service Process Agent, ( m ) tell me whether they charged off the account or not, ( n ) tell me whether they reported this claim to the three Credit Score Agencies, ( o ) tell me if they sold the alleged debt and in general refusing to cooperate with me over information they are legally obliged to provide on oral request after verification of my person. I recorded these calls as CCC discloses all calls may be recorded as a matter of their own policy. One agent actually agreed in the beginning of the call that the call was, in fact, being recorded. After I asked very specific questions she changed her mind and no longer gave me permission to record while still insisting on recording me. How am I ( or anyone ) to communicate with any alleged vendor over any alleged debt when they insist upon recording me but refuse to be recorded themselves? I ran my credit report to discover that CCC did in fact receive my dispute despite denying it now, and that my credit score has been eviscerated to XXXX primarily over this account, and CCCs actions. Upon issuing a verbal dispute, CCC failed to provide me the proper dispute form. Frustrated, I met with the Branch Mgr., ( XXXX XXXX ). I am a regular client, and XXXX knew me as such. XXXX contacted CCC and they promised on speaker phone to mail the dispute for to my PO Box as an alternative to their failure to simply MAIL ME THE RIGHT FROM TO MY HOME. Months later, still no form and I was back in with XXXX and on the phone again with CCC. CCC told me/ us to write the dispute out in my own words and fax it to them FROM THE BRANCH. I did so the same day, and through XXXX. Months later, still no answer from XXXX. I went back to the branch and faxed the same letter ( ccing my lawyer ) through XXXX, a CCC Officer. Afterwards, I never heard back from CCC until this XXXX XXXX letter threatening litigation. I met with XXXX and the new Branch Manager last Friday ( XXXX ) at XXXX XXXX wherein she confirmed everything in this report as a matter of record. CCC Agents told me they have no affiliation with Bank Branch Managers, or Chase Bank at all. This is incredulous on its face given that the fact the CCC account was solicited by a former Chase Bank Agent, opened at the branch, and the dispute letters faxed from the branch. I am entitled to know what entity is attempting to collect this alleged debt as any court would require full disclosure of parties. This is all underscored by the fact that I have over {$300000.00} in the XXXX and my XXXX and personal accounts reside there. This is an attempted money grab and will be met with a proportionate response ; not my first time to this rodeo and CCC will LOSE this one, but not as plaintiffs. I was approached by a Chase Branch Agent, Mr. XXXX XXXX ( now at the XXXX XXXX, CA Branch ). Knowing I am a successful civil litigant with emphasis on financial fraud and torts, ( it's well known ), XXXX asked me as a Chase Client to help him against a collection matter involving XXXX XXXX. It was an auto loan case, ( cases XXXX & XXXX ). XXXX lives at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Although I found it highly inappropriate that my Bank would ask for and receive my services, expertise and time for free - I did it anyway because I felt bad for the man. I actually believed Chase was different than other major banks and actually referred many mortgage clients to the Branch Mortgage Officer pointing out to consumers Chase will not sell servicing rights if you bank with them and enter auto pay. Turns out Chase is just as CRIMINAL as XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation