Consumer complaint received 2019-08-19
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have 3 Chase Credit Cards:  $XXXX  (SLATE card ending in ...XXXX), $XXXX   (XXXX card ending in ...XXXX), and $XXXX  (XXXX  card ending in ...XXXX), for a total of $XXXX.  Chase Credit Card cancelled and forgave all debts of every credit card holder in XXXX, without any negative reporting of their credit.  Not only is this unfair to all American Chase credit card holders, it is a violation of the U.S. Constitution 14th Amendment EQUAL PROTECTION CLAUSE.  American Chase credit card holders are being treated as second, if not third, rate customers because Chase Credit Card doesn't want to do business in Canada.  I want my entire Chase credit card debt of $XXXX forgiven as well.  Not only does this violate the Fair Debt Collection Practices Act (FDCPA), 15 USC sections 1692-1692p of the Consumer Credit Protection Act, Title VIII (Truth In Lending Act against extortionate credit transactions, because it is an abusive debt collection practice (who is paying for the forgiveness of ALL XXXX Chase credit card debt?; Americans will be charged an additional percentage, however, small, but they will still be charged), it is also abusive because it grants forgiveness of credit card debt of one segment of consumers over another and at expense of anotherXXXX-American Chase Credit Card consumers.   This is not only extortionate, but misrepresentations, deceptions, and frauds upon other Chase Credit Card customers/ consumers.  It is tantamount to unjust enrichment by Chase Credit Cards making a huge profit off of exorbitant and extortionate interest on high credit card balances of Americans.  Obviously, based on the XXXX experience, there is no verified debt owed on Chase Credit Cards.  All Chase Credit Card debt on Americans  should also therefore be forgiven without penalty or negative reporting of credit ratings.Additionally, this is also a violation of the Fair Credit Reporting Act (FCRA), 12 USC sections 1830-1831 and 15 USC section 1681, whereby anyone with excessive Chase Credit Card debt, or has Chase Credit Card debt payment problems or Chase Credit Card making negative reporting of missed payments by consumers is now being discriminated against in violation of these Credit Collection and Credit Reporting laws as well as the 14th Amendment EQUAL PROTECTION CLAUSE.   All Chase Credit Credit reporting should be ceased/stopped permanently for all Chase Credit Card holders/consumers otherwise this will constitute unfair billing practices since one set of consumers (XXXX) get forgiveness on all Chase credit card debt, while another set of consumers (Americans) cannot get forgiveness on Chase credit card debt, and will ultimately be forced to pay more in interest and fees to offset the XXXX  forgiveness.  As a result of this unfair practice of forgiveness for XXXX Chase customers, and as against American Chase customers for excessive debt or late payments, it will also constitute willful and negligent inaccuracies in credit reports if reported to credit agencies or anyone seeking a credit check. I would strongly request that the Federal Trade Commission (FTC), the U.S. District Attorney for the District of New Jersey and/or District of New York, and the New Jersey Division of Banking and Insurance (NJDOBI) and New Jersey Attorney General's Office (Consumer Fraud Division???) needs to immediately investigate this fraudulent, misrepresented, deceitful and criminal behavior by Chase Credit Card and pull their licenses to conduct banking and credit card business in ALL states in the United States.

Company response to consumer: Closed with explanation