Consumer complaint received 2021-06-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT. It's a SECOND complaint with the same company, over the same issue, because their response to the first complaint filed in XXXX was inadequate and dismissive of Federal Law to say the least. This NEW & UPDATED complaint contains new documents and new information & I expect an answer. 
- - - On XX/XX/XXXX I filed a complaint against JPMorgan Chase Bank for their unfair and deceptive practices in collecting payment in connection with a consumer credit transaction that was initiated in XXXX of XXXX. I stated that my rights were being violated and that they were collecting on an invalidated debt. JPMorgan Chase Bank responded by stating that the debt was indeed validated, a false and deceptive claim, and that despite a cease and desist that they received from me on XX/XX/XXXX via certified mail, I would continue to be communicated with via monthly statements and would continue to be held liable for the alleged debt. I know that JPMorgan Chase Bank is unable to furnish adequate documentation of validation pursuant to Federal Law because the information REQUIRED in order for ME to validate the alleged obligation was not sent to me within the first 5 days following initial communication. To this day they still have not sent proper documentation for validation. The XXXX XXXX cease and desist was accompanied by a letter requesting validation, via certified mail, for the alleged debt between myself and JPMorgan Chase Bank. To that letter they responded by sending me monthly statements, a cardmember agreement and a letter stating that the alleged obligation was validated and that what they had reported to credit reporting agencies, as is their duty, matched their records. Per the CFPB, credit reporting is VOLUNTARY and always has been, yet JPMorgan Chase Bank represented the act as a required duty pursuant to law, a blatant lie. No part of their response constituted validation of the alleged debt or proved that I have any legal requirement to pay them anything. What their response did serve for, was to showcase multiple violations on their part of TILA, the FCRA and the FDCPA. Following that response, I sent an Affidavit of Truth with Exhibits and an invoice for violations of the aforementioned Acts totaling {$110000.00} via certified mail that was received on XX/XX/XXXX. As of todays date, XX/XX/XXXX JPMorgan Chase has not responded to my Affidavit and has therefore defaulted. As part of the Default and opportunity to cure process, I will be resending all documents that I have sent since XXXX expecting a resolution outside of litigation. However I am aware that my unrebutted Affidavit stands as absolute truth in law and Im prepared to follow though with litigation if necessary. Congress enacted TILA, the FCRA and the FDCPA to give consumers a clear understanding of credit and the many deceptive practices that plague the industry. Im only asking for fair remedy, which is my right according to these Acts. All referenced documents are attached.

Company response to consumer: Closed with explanation