Consumer complaint received 2017-07-20
Company: JPMORGAN CHASE & CO.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
When I realized I was a victim of Identity theft by someone getting Credit Cards in my name I put a Fraud Alert on my file through the Credit Bureaus. In late XX/XX/XXXXI started receiving Chase Card Billing statements in the mail claiming I owe an outstanding Bill. After paying Multiple Companies to repair my credit & there was no success I started to dispute this issue on my own. As you see attachment Exhibit G which is a Copy of my First Dispute Letter sent to themXX/XX/XXXX. I clearly stated in this Dispute Letter that this Debt is NOT owed by me and it is a Violation of the Fair Debt Collection Practices Act FDCPA -807 ( 15 USC 1962e ). I also stated in this Dispute letter that I am Requesting " Validation '' that is competence evidence " Bearing my Signature '' showing I have some contractual obligation to pay this debt. If they, Chase Card can not Validate the Debt, They must request that all Credit Reporting Agencies delete the Entry. Chase Card responded with, ( See Exhibit C XXXX ) a Copy of a Statement which is NOT proof. You will see thru this complaint that I consistently requested that Chase send validated proof of any document that has my signature that this account was owned by me. Please note that my first dispute letter back in XXXX of XXXX states that I will be filing a small claims suit against them for Defamation, Negligent Enablement of Identity Fraud & Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. Now as time passed by I noticed when I checked my Credit Report that Chase Card did not abide by the Laws and did not request the Bureaus to delete the file because it was not owned by me. They Continued to report the file as accurate as stated in their letters and this was repeatedly done without having any valid proof that the account was mine. I sent out another Dispute to Chase Card. See Exhibits E from XXXX As you can see in this Dispute I mentioned that the Item is listed as entirely inaccurate and incomplete and represents a very serious error in their reporting and they will be liable for their " Willful Non-Compliance '', as per FCRA 623 ( a ) ( 3 ) -Responsibilities of furnishers of information to consumer reporting agencies ( 15 U.S.C. 1681s-2 ).  Note : I mention a 2nd time about filing a Small Claims suit against them. I also requested in these disputes to please provide the name, address and telephone number of each person who personally verified this alleged account so that I can inquire about " HOW '' they " VERIFIED '' without providing any " PROOF '', bearing my " SIGNATURE ''. Chase Card Responded to this Dispute again ( See Exhibit k ) sending a billing Statement. Chase responded with sending 34 pages of Billing statements which again is absolutely not proof at all. As per FTC opinion letter from Attorney XXXX XXXX XXXX : A printout of a bill or itemized document does " NOT '' constitute verification. I made this aware to Chase in my dispute so it is very clear that they are ignoring my request and they are willfully being Non-Compliant. My next decision was to File a Small Claims suit against Chase Card for 1.Defamation 2.Negligent Enablement of Identity Fraud 3.Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act I proceeded to my local Court House and filed onXX/XX/XXXX , see Exhibit L. But before I can submit the Claim I had to make some corrections. First correction was I had to find out if the Registered Agent information was correct. Also the Court informed me that I could not submit the claim with just the company name " Chase Card ''. I had to find out who was The " President '' of Chase Card, The Correct " Registered Agent '' or whomever was in charge that the Small Claim suit can be served to. I must have the Individual 's name. See Exhibit A with the Small Claims Courthouse Instructions. Now with these rules I Called Chase Card and got the run around by customer service. I finally spoke with someone in the Fraud Department with employee ID # XXXX. This employee had to keep putting me on hold to speak with someone in the back ground about my request. That request was I need the name of the " President '', The Registered Agent or whomever was in charge that I can put down as the receiver to get served by the Small Claims suit. I was told by employee # XXXX that they can not give that information over the phone and that I would have to fax that request to " The Correspondence Department '' and I will receive a response with that information in 7-10 business days. See Exhibits H, I & J When I did not receive the info within 10 days I called back and was informed that because of XXXX XXXX holiday I should receive a response by the XXXX. When the XXXX came I did not receive a response from the Correspondence Department with information I requested for the Small Claims suit. When I called Customer service I was informed that there is no number for the Correspondence Department and the only thing I can do is Fax another request to them requesting the information needed. The only response I received on the XXXX was a response from XXXX XXXX from the Fraud Department. ( See Attachment labeled " Last Response From Chase '' ) This letter was absolutely irrelevant to what my request was. 1. It was NOT from the Correspondence Department 2. It did not have any of the Names that was requested for the Small Claims 3. Also It states that they Carefully reviewed the account and " VERIFIED '' the information we provided to the credit reporting agencies is correct. At bottom of the letter they state that Chase is not responsible for the actions or omissions of the credit reporting agencies. Therefore, Chase can not guarantee, warrant, or take responsibility for the performance of any credit reporting agency in changing, deleting, or making entries in relation to any derogatory credit. This is ridiculous. See number 3. Did n't they just admit that they " Provided the information to the Credit Bureaus ''. They clearly stated ; We carefully reviewed your account and verified the information " WE PROVIDED '' to the credit reporting agencies as correct.
They are clearly responsible for the actions or omissions of the credit - reporting agencies because  Chase is the Company " REPORTING '' the information to the agencies as they just stated. After an entire of year of Disputes they have willfully not followed and has Violated all of the laws governed upon them which is : Federal Laws Under the Fair Credit Reporting Act 623 ( a ) ( 3 ) { 15 U.S.C 1681s-2 } Fair Debt Collection Practices Act Section 807 ( 8 ) Chase is willfully withholding the Names I requested for the Small Claims suit that I filed and Also is continuing to willfully report inaccurate information to the credit bureaus which is destroying my credit history and it is preventing me to live a normal life and take care of my family. I have been turned down for Mortgages, Personal Cash Loans, Personal Lines of Credit, Collateral Loans, Business Lines of Credit & Business Cash Loans. I am Requesting that CHASE either Follow the Federal Laws governed upon them & Delete this account immediately and inform all 3 Credit Bureaus to delete this account off my file along with the inquiry OR Submit the Requested " Individual 's name that I need to file the Small Claim suit against that represents Chase legal matters in small claims court.

Company response to consumer: Closed with non-monetary relief