Consumer complaint received 2024-03-26
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: JPMORGAN CHASE & CO. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington , DC XXXX Re : Complaint against JP Chase for violation of 12 CFR 1006.34 Dear CFPB, I am writing to file a complaint against JP Chase for violating the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F, specifically 12 CFR 1006.34. 

On XX/XX/XXXX, I requested removal of an entry from my consumer report placed there by JP Chase regarding a debt of a XXXX  Account Credit Card that appeared on my Personal Consumer Report via Certified mail. I made a second attempt to cure the inaccurate information from the Consumer Report on XX/XX/XXXX, via certified mail, no response. I made a third attempt on XX/XX/XXXX, via certified Mail to contact chase once they had closed, charged off without notice and sold the debt to a third party without my permission violating 15 USC 1681b Permissible purpose. On XX/XX/XXXX, we responded to Chase with a Demand for Validation and Proof of Claim, and we still have not received the disclosures. I sent the final notice for validation of debt on XX/XX/XXXX, via certified mail. 

However, as per the 30-day validation period mandated by 12 CFR 1006.34, JP Chase has failed to respond to any of my request for additional information and validation of the debt, which I sent on the dates listed in the above paragraph. The 30-day period ended 90 days ago, and I have continued to attempt to contact them via US mail . They have also taken payments from me on a closed charged off account which I have included proof off and they have not provided any communication or validation since. 


This lack of response and failure to validate the debt within the legal timeframe constitutes a violation of the FDCPA and Regulation F. As a result, I request that the CFPB investigate this matter and take appropriate action against JP Chase , including : Ordering JP Chase to cease all collection efforts on this alleged debt. 
Ensuring JP Chase removes any inaccurate information about this debt from my credit reports. 
Holding JP Chase accountable for any damages incurred due to their violation. 

This has caused defamation of character and has cause me undue stress. I have had to seek medical attention for XXXX  due to the stress that this has caused. Because Chase did not remove this inaccurate information other creditor dropped limits, closed accounts and I was denied auto loans and personal loans. I have been unable to continue in the process of a ministry candidacy due to their malicious and unwillingness to remove inaccurate information from my consumer report. 

According to Civil Liability for willful noncompliance 15 U.S. S. 1681n, any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( a ) any actual damages sustained by the consumer ( b ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure of {$1.00}, XXXX or whichever is greater. 

Specified Remedy : I seek {$750000.00} dollars for pain and suffering, mental anguish and actual damages. 

Please send payment via Check payable to XXXX XXXX to the address XXXX XXXX XXXX, XXXX XXXX XXXX. 

Thank you for your time and attention to this matter. I have attached copies of the relevant documents for your reference, including the debt validation notice and my dispute letter. 

Sincerely, XXXX XXXX XXXX XXXX