Consumer complaint received 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XXXX XXXX XXXX Fri, XXXX, XXXX XXXX, XXXX XXXX XXXX RE : Affidavit Of Truth Example of a 15 USC 6802 dispute letter opening : " Dear Consumer, Financial Protection I am writing to formally notify you that I believe Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX violated my rights by not providing my debit cards full access to my bank accounts. The company has violated my privacy rights under 15 U.S. Code 6802 by disclosing my nonpublic personal information to a nonaffiliated third party without my prior consent. '' XXXX XXXX XXXX XXXXXXXX XXXX XXXX has suffer damages by being liable as out of business by Chase Bank have violated the Equal Opportunity Act by refusing to give I XXXX XXXX the owner of XXXX XXXX XXXX XXXX, Harmless As Doves credit and debit cards, since opening the account as of XX/XX/XXXX. 

This Rescission notice is made pursuant to 15 U.S.C. Code 1635 ( a ), as I was never told I had 3 days to rescind the contract agreement. I was never given the notice that comes with all consumer credit transactions. Furthermore, The agent office address for. Government agency : XXXX XXXX XXXX XXXX. never give me the options to opt out of overdraft contract, also they violated my consumer credit rights on credit applications, " 15 USC 6802 dispute letter '' is a letter sent by a consumer to a financial institution, claiming that the institution has violated their privacy rights by disclosing their nonpublic personal information to a third party without proper notice or consent, as outlined under 15 U.S. Code 6802 of the Gramm-Leach-Bliley Act ( GLBA ) which governs consumer financial privacy laws ; essentially, the consumer is disputing the unauthorized sharing of their personal financial information. 


Unauthorized use of personal information is illegal. It is defined as the unlawful and unauthorized acquisition of personal information that compromises the security, confidentiality, or integrity of personal information. The following are examples of unauthorized use of personal information : Using someone elses personal identifying information for any unlawful purpose, including to obtain, or attempt to obtain, credit, goods, services, real property, or medical information without the consent of that person. 
Possessing, using, or attempting to use personal identification information concerning a person without first obtaining that persons consent, and who does so for the purpose of harassing that person. 

Purpose : To notify the financial institution that the consumer believes their privacy rights have been violated by sharing their nonpublic personal information without proper authorization. 
What it should include : consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. For the purpose of the requirements imposed under part D of this subchapter and sections 1637 ( a ) ( 5 ), 1637 ( a ) ( 6 ), 1637 ( a ) ( 7 ), 1637 ( b ) ( 1 ), 1637 ( b ) ( 2 ), 1637 ( b ) ( 3 ), 1637 ( b ) ( 8 ), and 1637 ( b ) ( 10 ) of this title, the term creditor shall also include card issuers whether or not the amount due is payable by agreement in more than four installments.

( 3 ) .15 USC 6802 is a subsection that allows financial institutions to provide nonpublic personal information to nonaffiliated third parties for services or functions on behalf of the institution, including marketing, as long as the institution fully discloses the information and maintains confidentiality through contractual agreements1. The section also outlines notice requirements and opt-out provisions,. 
Consumer 's XXXX XXXX i believe in the following Rights were violated, ( 4 ) 1681c-2 15 USC 1681c-2 is a section of the Fair Credit Reporting Act that requires consumer reporting agencies to block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of appropriate proof of the identity of the consumer, a copy of an identity theft report, the identification of such information by the consumer, and a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Details about the specific disclosure of information that the consumer believes is a violation,15 USC 78m ( q ) ( 1 ) ( C ) is a section of the United States Code that defines the term " payment '' 1. The term " payment '' means a payment that is made to further the commercial development of oil, natural gas, or minerals, and is not de minimis. It includes taxes, royalties, fees ( including license fees ), production entitlements, bonuses, and other material benefits that the Commission determines are part of the commonly recognized revenue stream for the commercial development of oil, natural gas, or minerals and belongs to United States of America. also 1611. Criminal liability for willful and knowing violation Section Text Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 

Source Credit ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Notice that pursuant to 15 U.S. code 1635 ( b ) : upon receipt of this recession, I am not liable for any finance charges of other charge, and security interest becomes void effective immediately. I would like all and any funds XXXX XXXX XXXX XXXX refers to any action or proceeding for defamation, libel, slander, or similar claims alleging that forms of speech are false, have caused damage to reputation or emotional distress, have presented any person in a false light, or have resulted in criticism, dishonor, or condemnation of any XXXX XXXX XXXX. 

I XXXX XXXX XXXX. also, note The term obligation or other security of the United States includes all bonds, certificates of indebtedness, XXXX XXXX  XXXX XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. Federal regulations for banks are designed to ensure the safety and soundness of financial institutions and protect consumers. Violations of these regulations can lead to serious consequences for banks, including fines, penalties, and damage to their reputation. 

Some common types of bank violations include, depriving I XXXX XXXX XXXX of debit cards, business credit, - **Legal Lending Limit Violations** : Exceeding the maximum amount a bank can lend to a single borrower. 
- **Nonconforming Loans to Insiders** : Providing loans to insiders ( e.g., directors, officers ) that don't meet regulatory standards. 
- **Nonconforming Affiliate Transactions** : Engaging in transactions with affiliates that don't comply with regulations. 
- **Nonconforming Real Estate Loans** : Issuing real estate loans that don't meet regulatory criteria. 
- **Securities Unlawfully Acquired or Held** : Holding securities that are not permitted under federal regulations. 

To avoid these violations, banks need to have robust policies, procedures, and training programs in place to ensure compliance with applicable laws and regulations. Regular monitoring and internal audits can also help detect and correct any potential issues. 

Would you like more detailed information on a specific type of violation or regulation? 

The main federal regulations for banks in the United States are primarily enforced by several key regulatory agencies, including the Office of the Comptroller of the Currency ( OCC ), the Federal Reserve, the Federal Deposit Insurance Corporation ( FDIC ), and the Consumer Financial Protection Bureau ( CFPB ). Here are some of the most important regulations : I XXXX XXXX XXXX have all the following Chase Bank violations, 1. **Bank Secrecy Act ( BSA ) ** : Requires banks to assist government agencies in detecting and preventing money laundering. 
XXXX XXXX XXXX XXXXXXXX XXXX and Consumer Protection Act** : Enacted in response to the XXXX financial crisis, it includes various provisions aimed at improving financial stability and consumer protection. 
3. **Community Reinvestment Act ( CRA ) ** : Encourages banks to meet the credit needs of the communities they serve, including low- and moderate-income neighborhoods.

4. **Truth in Lending Act ( TILA ) ** : Promotes the informed use of consumer credit by requiring disclosures about its terms and cost.

5. **Fair Credit Reporting Act ( FCRA ) ** : Promotes accuracy, fairness, and privacy of information in the files of consumer reporting agencies.

6. **Equal Credit Opportunity Act ( ECOA ) ** : Prohibits discrimination in any aspect of a credit transaction. 
XXXX. **Gramm-Leach-Bliley Act ( GLBA ) ** : Requires financial institutions to explain their information-sharing practices to their customers and to safeguard sensitive data. 
8. **Federal Reserve Regulations** : These include Regulation Z ( which implements TILA ), Regulation D ( which governs reserve requirements ), and Regulation W ( which governs transactions with affiliates ). 

These regulations are designed to ensure the safety and soundness of financial institutions, protect consumers, and maintain the integrity of the financial system. If you have any specific questions about any of these regulations, feel free to ask!

Company response to consumer: Closed with explanation