Consumer complaint received 2021-08-22
Company: JPMORGAN CHASE & CO.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Affidavit of Truth XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DE XXXX Account Ending In : XXXX To whom it may concern, On XX/XX/2021 I submitted a complaint to the CFPB about XXXX XXXX, XXXX. who is a debt collector that Chase Bank sold an alleged debt to that they said I owe in the sum of {$1400.00}. XXXX XXXX, XXXX. responded back on XX/XX/2021 stating as quoted XXXX is no longer serving your account. We notified our client of your request for validation. Any documents in support of this debt were or will be mailed to you directly by our client. I then received a letter in the mail the same day XX/XX/2021 from Chase stating as quoted We will stop contacting you about this account by phone and mail. I then made another complaint with XXXX XXXX, XXXX. on XX/XX/2021 stating that Chase has provided the proper validation documentation. Chase then sent me another letter stating as quoted We sent the account documents you requested. I then received a envelop in the mail from Chase that was supposed to be documents validating the alleged debt and what they sent me VALIDATES NOTHING. 
Pursuant to FDCPA 15 USC 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. As a consumer, I never have Chase prior consent to communicate with me about this alleged debt. Pursuant to FDCPA 15 USC 1692c ( b ) Chase communicated with a 3rd party to sell the alleged debt and gave them my name and location information without my consent which is an invasion of privacy. Pursuant to 15 USC 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. When I requested for validation of debt Chase could not proved the proper documents as stated by federal law according to 15 USC 1692g. Pursuant to 15 USC 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I did not give Chase Bank AUTHORITY to use my credit card which is my social security card and pursuant to 15 USC 1601 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit nor did I benefit from the unauthorized use. Theyve contacted me numerous times regarding the alleged debt, sold the debt to a third party and gave them my location information, and reported the account as a charge off on my credit record to the credit reporting agencies without my consent which is negatively impacting my credit report. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( B ) which should be excluded from a consumer credit report any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Chase as violated multiple laws and I demand for this account to be deleted from all credit reporting agencies immediately and expect to be compensated for damages pursuant to FDCPA 15 USC 1692k. I have attached the invoice along with all documents supporting my claim. If this account is not deleted from all credit reporting agencies and Im not compensated for damages I will be forced to take legal action.

Company response to consumer: Closed with explanation