Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing this complaint against JPMorgan Chase Bank , N.A . ( Chase ) for their inadequate response to my previous CFPB complaint ( ID : XXXX ) regarding disputed credit card debts they claim I owe, which were being collected by XXXX XXXX XXXX XXXX . I dispute these debts in their entirety and believe they may be the result of error, identity theft, or time-barred collection attempts. Chase 's partial validation does not meet FDCPA requirements, and they have failed to provide the method of verification under both FDCPA 1692g and FCRA 611 as part of their investigation into the debt 's validity and the accuracy of information reported to credit bureaus.

Background : On or around XX/XX/year>, I received collection letters from XXXX for four alleged Chase debts ( Reference Numbers : XXXXaccount ending XXXX for {$3300.00} ; XXXX for {$3100.00} ; XXXX for {$1300.00} ; XXXX for {$1400.00} ). I promptly sent written debt validation demands to XXXX under FDCPA 1692g, disputing the debts and requesting cease-and-desist on all communications until fully validated. My demands included : full creditor details ; original signed contract ; detailed itemized history from inception ; proof of acquisition/chain of title ; last billing statement ; default date and statute of limitations proof ( Florida 's 5-year SOL for credit card debt ) ; legal authority to collect in Florida ; all correspondence/judgments ; sworn affidavit attesting accuracy ; and all internal records/logs. 
XXXX did not respond directly, so I filed a CFPB complaint. Chase responded on XX/XX/year> ( Reference : XXXX ), confirming only three accounts ( ending XXXX, XXXX formerly XXXX, XXXX formerly XXXX ) as valid and owned by them. They enclosed partial documents : Page 1 of applications ( no signatures, terms, or full agreements ) and the last three statements per account ( showing recent fees/interest but no full history, charges, payments, or default dates ). They declined additional information, claiming it sufficient, and stated they couldn't locate my prior requests ( despite my mailed letters ). They processed cease-and-desist but continue reporting to credit bureaus, damaging my credit. Note : Their letter incorrectly lists my address as XXXX XXXX, CA ( should be FL ), which raises concerns about the accuracy of their verification process.

This response is incomplete and violates FDCPA 1692g by not providing adequate verification. Courts require more than minimal docs for disputed debts, especially where identity theft or errors are alleged. Missing items include : Full unredacted signed contract/agreement with terms, interest rates, and amendments.

Complete itemized history of all charges, payments, credits, interest, and fees from account opening to present, with dates/explanations.

Date of default and proof the debts are not time-barred under Florida law .

Proof of legal authority to collect in Florida ( license/registration ).

All creditor-to-consumer correspondence, judgments, or filings.

Sworn affidavit from a knowledgeable person attesting accuracy.

All internal records, logs, notes, recordings, or data.

Proof debts not discharged, settled, or resolved.

Additionally, under FDCPA 1692g, I demand disclosure of the method of verification used to confirm the debt 's validity, including the specific steps taken, documents or sources reviewed, personnel involved, and any investigation conducted to ensure the debt is accurate and owed by me. This is necessary to assess whether their verification was reasonable and adequate, as required by law for disputed debts.

Furthermore, under FCRA 611 ( a ) ( 7 ), I demand the method of verification ( MOV ) used to determine the accuracy of this information reported to credit bureaus. Chase, as a furnisher under FCRA 623 ( 15 USC 1681s-2 ), must conduct a reasonable investigation into disputed items and provide the MOV upon request. Their response ignores this, failing to describe procedures like reviewing original records, contacting me, or verifying against internal systems. This violates FCRA by not ensuring accurate reporting.

Chase 's refusal to provide complete validation and verification methods hinders my ability to resolve this and repair my credit. Please require Chase to : Provide ALL demanded validation items without exception.

Disclose the full method of verification under FDCPA 1692g, including steps taken and sources reviewed.

Disclose the full method of verification under FCRA 611, including steps taken, documents reviewed, and personnel involved.

Cease reporting to credit bureaus and request deletion of these tradelines.

Confirm no further collection attempts.

Company response to consumer: Closed with explanation