Consumer complaint received 2023-03-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Sent to XXXX XXXX XXXX who sent a fraud account with my name on it to a collection company. 
Subject : Fraud account- attn : XXXX XXXX XXXX or current Compliance Officer Begin forwarded message : From : XXXX XXXX XXXX Date : XX/XX/XXXX at XXXXXXXX XXXX  EST To : XXXX Subject : Fraud account- attn : XXXX XXXX XXXX XXXX XXXX Compliance Officer To : XXXX XXXX Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX Subject : Fraud account dispute Summary : recently you turned over an account to XXXX XXXX XXXX your company has for a overdue payment of balance of {$780.00} from a Loan by Phone payday loan from XXXX for the amount of {$600.00}. 
This loan was obtained and money sent to an account at JP Morgan with the account number ending in XXXX. 

Details supplied by your company : This account was placed with XXXX for collection by the current creditor, XXXX XXXX, XXXX, on XX/XX/XXXX, with a balance of {$780.00}. This balance is related to a payday loan originally obtained with XXXX XXXX XXXX  d/b/a XXXX XXXX XXXX, on XXXX XXXX XXXX According to the details provided by the creditor, the proceeds to this account ( {$600.00} ) were deposited into a JP Morgan Chase Bank account ending in XXXX. 

Dispute with your company : This is not my debt. 
I never applied for any loan by phone or any pay day loan. 
I spoke with JP Morgan fraud hotline representatives on XXXX gave them my name and Social Security Number ( SSN ). They scanned their entire database of accounts both open and closed using my SSN and found NO Accounts with my SSN. 

Conclusion : I verified that I never did business ever with JP Morgan bank. 
The account ending with XXXX is Not my account and you too can verify by doing the same thing. 
Please mark this account at your company as Fraud and please stop passing this account to collection companies since this contains incorrect information as a result of Identity Theft and does not pertain to me. 
I never received Any email telling me that your company had turned over this account to collections or that this fraudulent debt ever existed. I just this week found out via a credit report red flag on my credit report. 
Once again- this debt is Not mine and the info contained in your report does Not pertain to Me. It must be the result of fraud and/or Identity theft. 
I was a victim of three separate data breaches in the past 10 years- XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX and have credit monitoring turned on for most of the credit rating companies. 

XXXX XXXX XXXX How to report fraud | Privacy and Security | Chase.com chase.com XXXX Actions Taken : I filed the dispute below with XXXX XXXX XXXX, Federal Trade Commission, police report with XXXX XXXX police on XXXX 

the main headquarters located at XXXX XXXX XXXX. XXXX, XXXX, Ohio XXXX. 
The XXXX XXXX XXXX  may be contacted at XXXX. The main headquarters may be contacted at XXXX. 

a formal report of fraud and identity theft at IdentityTheft.gov, a complaint with the XXXX XXXX XXXX a dispute with XXXX and XXXX. 
The details and history of this report from the Federal Trade Commission ( FTC ) follows- i have in turn supplied additional feedback on this complaint of fraud and identity theft. 

Your cooperation in this matter is very much appreciated! 
XXXX XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation