Consumer complaint received 2021-02-20
Company: JPMORGAN CHASE & CO.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
1 RECEIVED SUSPICIOUS CELL PHONE CALL. CALLER MENTIONED PAST DUE DEBT WITH CHASE CREDIT CARD AND WANTED FURTHER INFORMATION KNEW MY NAME ( BUT REFUSED TO IDENTIFY THEMSELVES ) BUT SINCE I DID NOT HAVE ANY CHASE CREDIT CARD OR ACCOUNT AND HAD NEVER RECEIVED ANY BILLS, NOTICES OR ANY TYPE CORRESPONDENCE FROM CHASE CREDIT CARDS FIGURED IT WAS A SUSPICIOUS PHISING CELL PHONE CALL & DID NOT PROVIDE ANY INFORMATION AND HUNG UP! 
( VERY VERY SUSPICIOUS )?? 

2. RECEIVED CALL FROM XXXX  ASKING IF I HAD SUBMITTED A REQUEST TO TO " CHANGE MY E-MAIL ADDRESS ''??? ADVISED XXXX  I HAD NEVER REQUESTED TO CHANGE MY E-MAIL ADDRESS AND TO PLEASE LEAVE IT THE SAME AS IT'S ALWAYS BEEN. ( AGAIN VERY SUSPICIOUS )??? 
3. RECEIVED CALL FROM OUR BANK ( XXXX XXXX  ) THAT CHASE CARD SERVICES HAD TAKEN ADVERSE ACTION AGAINST ME AND PLACE A NEGATIVE STATETMENT ON MY CREDIT REPORT STATING I HAD AN UNPAID CREDIT CARD CHARGE NOT PAID??? I HAVE NEVER EVER EVER HAD A CHASE CREDIT CARD, NEVER EVER EVER MADE ANY PURCHASES NOR RECEIVED ANY BILLS, NOTICES, OR ANY TYPE CORRESPONDENCE FROM CHASE CREDIT CARDS AND THOUGHT BY LAW A CREDITOR MUST NOTIFY A CONSUMER OF ANY TYPE ADVERSE ACTION. CHASE CREDIT CARD NEVER NOTIFIED ME OF THIS ADVERSE ACTION ONLY OUR BANK WAS KIND ENOUGH TO CALL AND REPORT THIS ... IF NOT FOR OUR BANK I WAS NOT EVEN AWARE THIS ADVERSE ACTION HAD BEEN TAKEN. 
. I THOUGHT THIS WAS " HIGHLY UNETHICAL BUSINESS PRACTICE TO PLACE NEGATIVE INFORMATION ON MY CREDIT REPORT WITHOUT EVER BEING TOLD AND NEVER RECEIVING ANY TYPE BILLS OR NOTICES OR CORRESPONCE ... HIGHLY UNETHICAL!! 
4. UPON LEARNING OF THE ADVERSE FRADULENT CREDIT CARD INFORMATION ON MY CREDIT REPORT IMMEDIATELY CONTACTED CHASE CARD SERVICES ( BY PHONE ) AND SPOKE WITH THEIR FRADULENT CREDIT CARD OFFICE AND THEY STATED THEY WOULD INVESTIGATE THIS AND CONTACT ME. ( I'VE NEVER EVER RECEIVED ANY CORRESPONDENCE FOLLOWING MY CALL TO CHASE CREDIT CARD FRAUD DEPT )???? 
( AGAIN HIGHLY UNETHCAL BUSINESS PRACTICE??? 
5. FOLLOWING MY PHONE CALL TO CHASE CREDIT CARD FRAUD DEPT SENT " US MAIL CERTIFIED LETTER TRACKING # XXXX XXXX XXXX XXXX ON XX/XX/XXXX TO CHASE CREDIT CARD PROVIDING A DETAILED SUMMARY OF WHAT HAD HAPPENED AND EXPLAINED THAT I NEVER HAD A CHASE CREDIT CARD, NEVER RECEIVED ANY BILLS, NEVER RECEIVED ANY TYPE NOTICE OR CORRESPONDENCE AND WAS VERY UPSET THAT CHASE CREDIT CARD HAD TAKEN ADVERSE ACTION AGAINST ME TO PLACE A FRADULENT CREDIT CARD CHARGE ON MY CREDIT REPORT WITHOUT MY KNNOWLEDGE AND THAT I WANTED THIS ADVERSE INFORMATION REMOVED AND DISPUTED ANY CHARGES. 
6. PLACED FRAUD ALERT ON MY CREDIT REPROT AND FROZE MY CREDIT REPORT TO PREVENT ANY FURTHER FRADULENT CHARGES ON MY CREDIT REPORT. 
7. THE US POSTAL SERVICE VERIFIED THAT MY CERTIFIED LETTER MAILED ON XX/XX/XXXX HAD NOT BEEN DELIVERED TO CHASE CREDIT CARDS UNTIL XX/XX/XXXX DELAYED DUE TO THE PANDEMIC AND LIMITED POSTAL SERVICE DELIVERY. ( SO CHASE COULD NOT RESPOND BECAUSE THEY HAD NOT RECEIVED MY CERTIFIED DISPUTE LETTER AND THE POSTAL SERVICE HAD TAKEN AN UNBELIEVEABLE 2 MONTHS TO DELIVER IT TO CHASE CREDIT CARDS. 
8. FILED COMPLAINT WITH THE MISSOURI ATTORNEY GENERALS CONSUMER PROTECTION DIVISION CASE # XXXX FOR FRAUD INVESTIGATION ASSISTANCE. 
9. FILED XXXX XXXX POLICE REPORT FOR IDENTIFY THEFT AND FRAUD ( XXXX XXXX POLICE STATED IT SMELLED A LOT LIKE IDENTITY THEFT ) 10.RECEIVED DEBT COLLECTOR STATEMENT FROM XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX EMAIL XXXX ATTTEMPTING TO COLLECT THE FRAUDELENT CHASE CREDIT CARD DEBT AND GIVING ME 30 DAYS TO RESPOND. 
11. HAVE RESPONDED TO XXXX  XXXX, XXXX VIA E-MAIL AND ADVISED THIS DEBT COLLECTOR THAT I NEVER HAD ANY CHASE CREDIT CARD, NEVER MADE ANY PURCHSE, NOR BEEN BILLED BY THEIR BILLING DEPT OR SENT ANY TYPE CORRESPONDENCE WHICH I THOUGHT WAS HIGHLY UNETHICAL. PROVIDED A COPY OF MY CERTIFIED LETTER ( WITH ALL THE FACTS IN THIS MATTER ) AND EXPLAINED IM XXXX YEARS OLD, RETIRED CAREER MILITARY AND XXXX VETERAN AND THAT BY LAW A CONSUMER IS ONLY REPONSIBLE TO PAY {$50.00} FOR A FRAUDULENT CREDIT CARD CHARGE AND THAT I WOULD DO THIS ONLY IF THE UN-ETHICAL CHASE CREDIT CARD COMPANY REMOVED THEIR ADVERSE ACTION FROM MY CREDIT REPORT. OTHERWISE I'VE HAD ENOUGH, PHONE CALLS, CERTIFIED LETTERS AND E-MAILS NOW TO A DEBT COLLECTOR COMPANY ATTTEMPTING TO COLLECT A FRADULENT CREDIT CARD CHARGE ON BEHALF OF A HIGHLY UNETHICAL CREDITOR. I ADVISED XXXX  XXXX  IF THEY WANTED TO CONTINUE COLLECTION ACTIONS AGAINST ME ON BEHALF OF AN UNETHICAL COMPANY THAT I DIDN'T WANT TO RECEIVE ANY FURTHER NOTICES FROM THIS DEBT COLLECTOR COMPANY AND THAT IF THEY WANT TO CONTINUE PURSUING THIS TO COLLECT A FRADULENT CHARGE TO SEND THEIR COLLECTION MAIL TO THE MISSOURI STATE ATTORNEY GENERALS OFFICE CLAIM # XXXX AND TO THE XXXX XXXX POLICE DEPT IDENTITY THEFT AND FRAUD DIVISION TO ASSIST THEM WITH THE ONGOING INVESTIATION OF THIS MATTER, HOWEVER THEY WERE WELCOME TO CONTACT ME IF BY LAW I PAID {$50.00} FOR THE FRADULENT CC CHARGES CLAIMED BY AN UNETHICAL CREDIT CARD COMPANY ONLY ONLY IF THE UNETHICAL CHASE CREDIT CARD COMPANY REMOVED THEIR UNJUSTIFIED ADVERSE ACTION FROM CREDIT REPORT AND UNLESS THIS WAS DONE BY THE UNETHICAL CHASE CREDIT CARD COMPANY THAT I'D HAD ENOUGH AND AT MY AGE DIDNT NEED ANYMORE MADE ENOUGH CALLS, CERTIFIED LETTERS, COMPLAINT FORMS AND THAT I'D GO TO MY GRAVE AND NO MATTER HOW HIGH AND DEEP THE WATER GETS, I WILL ADAMANTLY REFUSE TO PAY AN UNETHICAL CREDIT CARD COMPANY FOR " FRADULENT CREDIT CARD CHARGES '' XXXX XXXX XXXX ( XXXX MILITARY RETIRED ) XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX EMAIL : XXXX.

Company response to consumer: Closed with non-monetary relief