Consumer complaint received 2019-06-12
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV [ XXXX ] Account Number : XXXX Chase Card Services XXXX XXXX XXXX XXXX, DE XXXX XX/XX/2019 RE : Fraudulent Information Sent to Credit Bureaus & Rejecting Binding Arbitration On XX/XX/2019 Chase Bank received a lawful Tender of Payment from me. i then started receiving harassing phone calls from Chase Bank to collect a debt. i filed a complaint with the CFPB stating that Chase Bank was violating the Fair Debt Collection Act. In the response Chase Bank told the CFPB that they were within their policies. What policies? Do your policies override that of the Fair Debt Collection Act? Are your policies above the law? Chase Bank then went to the credit bureaus and changed the name from Chase Card to JPMCB card. Chase provided this name change without my consent or acknowledgment. On XX/XX/2019 i receive a letter through USPS from chase notifying me that my agreement was assigned to JPMorgan Chase Bank as successor by merger to Chase Bank USA. Within this document Chase Bank or JPMorgan Chase Bank is attempting to re-contract me after they closed my credit card account again without my consent. In the document under ARBITRATION AGREEMENT it states This arbitration agreement provides that all disputes between you and Chase must be resolved by BINDING ARBITRATION whenever you or we choose to submit or refer a dispute to arbitration. By accepting this arbitration agreement you GIVE UP YOUR RIGHT TO GO TO COURT ( except for matters that may be taken to a small claims court ). Arbitration will proceed on an INDIVIDUAL BASIS, so class actions and similar proceedings will NOT be available to you. It goes on to say, In arbitration, your right will be determined by a NEUTRAL ARBITRATOR and NOT A JUDGE OR JURY. The Procedures in arbitration are simpler and more limited than rules applicable in court. Arbitrator decisions are subject to VERY LIMITED REVIEW BY A COURT. Does a bank have the authority to contract me, a women of flesh and blood, XXXX XXXX into giving up my constitutional right? Are you, Chase Bank/JP Morgan Chase Bank claiming to be above the constitution? If so, provide me with the law that states a bank is allowed to contract we the people into giving up our constitutional rights. Provide me with the law that states a bank is above the constitution. Provide me with the law that states a bank is above we the people. Furthermore, can a bank create a binding agreement/contract with no signatures? 

Currently i am in a dispute with Chase Bank/JP Morgan Chase Bank. i paid Chase Bank in full back in XX/XX/2019 yet they continue to tell the credit bureaus otherwise. After filing a complaint with the CFPB Chase Bank told the CFPB that the payment i provided was not legal. This is a false statement. By telling the CFPB that what i provided is not legal Chase Bank is stating that i am in some way breaking the law. i believe this is Chase Banks attempt to instill fear in me by making me believe that i am doing something wrong when in fact the Tender of Payment i provided is lawful and supported by The Federal Emergency Relief Act of XXXX. Not only is the payment i provided to Chase Bank lawful but Chase Bank accepts the payment as shown in the back of their billing statement. If the Tender of Payment is rejected then it must be submitted back to me within five [ 5 ] days with legal reason as to why it is being rejected. Chase Bank also states in the back of their billing statement that if a payment is rejected they will send it back to me and not cash it or destroy it. It has been 75 days and the Tender Of Payment has not been returned. If the Tender of Payment is rejected then the debt must be discharged.  Therefore if the payment was not returned, and the payment is lawful, and Chase Bank accepts the payment then there is no debt. So why are you providing false information to the credit bureaus? Why did you tell the CFPB that the payment was not legal when in fact it is? What am i in debt to you for? According to XXXX XXXX XXXX XXXX XXXX vs XXXX XXXX, 284 Minn.567, 171 N.W.2d 818 ( XXXX ) a bank can not be a lender for a bank has no money so where did the money come from? Is the reason you want to contract me into giving up my right to take you to court due to the fact that you are knowingly breaking the law and you want to prevent me from taking action against you, that is guaranteed by the constitution? Honor the law, and honor the Tender Of Payment, discharge the debt and provide the credit bureaus with accurate information and i will not take legal action. What rights exactly are you trying to take away from me with the arbitration binding? Why have you given yourself the power to chose the arbitration settings? Must i remind you JP Morgan Chase Bank that you are a bank and have no authority over me. Must i remind you that it is you who is under oath to uphold the Constitution of the United States and of Nevada. 

I XXXX XXXX XXXX, woman of flesh and blood, XXXX XXXX, do not waive any of my rights. I reject your arbitration agreement. I deny any of your accusations that I am an indentured servant to you, you are the one under oath to uphold the Nevada Constitution and the United States Constitution. 

XXXX XXXX XXXX NOTICE - the address you submitted the paperwork to is not my address ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NV [ XXXX ] ). My mailing address is the one presented above.

Company response to consumer: Closed with explanation