Consumer complaint received 2021-09-10
Product: Debt collection 
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: MD

Complaint:
I entered into a consumer credit transaction with XXXX XXXX XXXX on XX/XX/2019 who then assigned the contract to J.P. Morgan ( Chase Auto ). A consumer credit transaction in which a finance charge was involved. J.P. Morgan ( Chase Auto ) is in violation of 15 USC 1605 ( a ). A finance charge is the sum of all charges in a consumer credit transaction, and it does not include cash. J.P. Morgan ( Chase Auto ) took cash payments several times knowingly.

J.P. Morgan ( Chase Auto ) is in violation of 15 USC 1605. ( a ) ( c ). This transaction included a finance charge, and the finance charge includes insurance which protects the creditor against the obligors loss, and or property damage. J.P. Morgan ( Chase Auto ) did not include my insurance in my finance charge, my insurance was purchased seperately.

J.P. Morgan ( Chase Auto ) is in violation of 15 USC 1640. J.P. Morgan ( Chase Auto ) willfully and knowingly failed to provide/disclose information required under the provisions 15 USC 1635. Pursuant to 15 USC 1640 ( 2 ) ( a ) ( i ) J.P. Morgan Chase is liable in an equal amount to the sum of double the finance charge.

J.P. Morgan ( Chase Auto ) is in violation of 15 usc 1611. J.P. Morgan ( Chase Auto ) willfully and knowingly failed to provide/disclose information required under the provisions of 15 usc 1601. They are now civilly and criminally liable.

J.P. Morgan ( Chase Auto ) is in violation of 15 USC 1692d ( 5 ). ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. J.P. Morgan ( Chase Auto ) has called me several times annoying and harassing me.

J.P. Morgan ( Chase Auto ) is in violation of 15 USC 1692c ( 1 ). ( 1 ) At any unusual time or place known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time is for communicating with a consumer is after XXXX oclock XXXX  and before XXXX oclock XXXX, local at the consumers location. J.P. Morgan ( Chase Auto ) has contacted me at times inconvenient to me.

J.P. Morgan ( Chase Auto ) is in violation of 15 USC 1692d ( 2 ). A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. J.P. Morgan ( Chase Auto ) in fact has harassed and abused me in connection with collection of the alleged debt by using obscene language.

J.P. Morgan ( Chase Auto ) is in violation of 15 USC 1692e ( 2 ) ( A ). A debt collector may not use any false, deceptive, or misleading representation or means in connection
with the collection of any debt. The false representation of ( A ) the character, amount, or legal status of any debt. J.P. Morgan ( Chase Auto ) in fact has provided me with a false, deceptive and misleading representation on the amount of the alleged debt owed.

J.P. Morgan ( Chase Auto ) is in violation of 15 USC 1692e ( 10 ). The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. J.P. Morgan Chase in fact has provided me with false and deceptive statements in connection with the collection of the alleged debt.

Company response to consumer: Closed with explanation