Consumer complaint received 2016-05-05
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: JPMORGAN CHASE & CO. (CA)

I sent Chase Bank a request for validation on XXXX XXXX and it was received on XXXX XXXX, XXXX. The letter that was sent by fax and by certified mail is attached. 

Please note top of page XXXX " f I receive any telephone calls from your company, I will consider them to constitute harassment. Additionally, you are required to update the Credit Reporting Agencies ( hereinafter " CPAs '' ) with the information that the alleged debt connected to this account is disputed per the Fair Debt Collection Practices Act codified at 15 U.S.C. 1692e ( 8 ), which states : " Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed, is a violation of 1692e. '' In other words, please consider this my formal revocation of consent to be contacted by phone please, USPS Certified mail only. '' Today XXXX XXXX, XXXX Chase Bank Called me. ( Caller ID attached ) Furthermore, I have been on the do not call list since XXXX XXXX, XXXX. ( See attached ) Please be advised that I am representing myself, l regarding a new claim against your company pursuant to the Telephone Consumer Protection Act, and The California Rosenthal Act, FDCPA, as well as others violations under State And Federal Laws. 

I respectfully demand that Chase Bank not contact me on my cellular telephone any longer or by any other forms of communication, with the exception of USPS certified mail or email. We reserve the right to seek injunctive relief against you should you fail to honor these directives. 

The purpose of this letter is to advise your company of its violations and to quickly resolve the matter of my right to compensation for the same without resort to expensive and unnecessary litigation. Our initial assessment of this matter is that before additional damages accrue, including needless attorney fees, we should work together expeditiously to correct the inequity that occurred in connection with your company 's handling of the alleged outstanding debt owed to to me. The violations that have occurred include, but are not limited to : 1. Causing a telephone to ring repeatedly or continuously to annoy Plaintiff ( Cal Civ Code 1788.11 ( d ) ) ; 2. Communicating, by telephone or in person, with Plaintiff with such frequency as to be unreasonable and to constitute an harassment to Plaintiff under the circumstances ( Cal Civ XXXX 1788.11 ( e ) ) ; 3. Causing Plaintiffs telephone to ring repeatedly or continuously with intent to harass, annoy or abuse Plaintiff ( 1692d ( 5 ) ) ; 4. Communicating with Plaintiff at times or places which were known or should have been known to be inconvenient for Plaintiff ( 1692c ( a ) ( 1 ) ) ; 5. Engaging in conduct the natural consequence of which is to harass, oppress, or abuse Plaintiff, including ... ( 1692d ) ) ; and 6. Restricted use of Automated Telephone equipment to make any call ( other than a call made for emergency purposes or made with the prior express consent of the called party ) using any automatic telephone dialing system or an artificial or pre-recorded voice to any telephone number assigned to a paging service, cellular telephone service, specialized mobile radio service, or other radio common carrier service, or any service for which the called party is charged for the call ( 47 USC 227 ( b ) ( A ) ( iii ) ). 

I am sure your company can appreciate the need to address this issue with me and the need to avoid unnecessary litigation. I, too, appreciate the hardships of protracted litigation. Therefore, today I am willing to settle this matter for XXXX