Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Complaint against Servicers and debt collectors JP Morgan Chase and its fully owned subsidiary XXXX XXXX XXXX for insurance fraud ; identify theft ; impersonation ; violations of TILA, RESPA, FDCPA and other misconduct JP Morgan and XXXX are servicers who between XXXX  to present time are servicing my alleged transaction by making payments for my home insurance- without any legal authority and without mandatory disclosure. To cover its presence in non authorized servicing Chase and XXXX impersonate as another - fictitious- company XXXXOn XXXX XXXX Chase dba XXXX  send me a demand to provide them a copy of my home insurance policy by uploading it on XXXX  website According to XXXX Privacy Policy, if I use this website, Chase/XXXX  will collect all my personal information as listed below, which is a text book identity theft. 
Chase XXXX  XXXX also threatened to force place its own insurance on me where Chase wants to include a fictitious company XXXX XXXX XXXX, XXXX - who is not my lender and not a representative of any Creditors- as my mortgagee. Which is a text book insurance fraud by Chase for which Chase already paid XXXX XXXX for defrauding customers. 
I demand disclosure from servicers / debt collectors Chase and XXXX who hired and authorized them to make payments for my home insurance, demand me to provide my insurance policy to Chase XXXX and threaten me with force placed insurance with a fake mortgagee. I demand a wet- ink signed authorization form from the Owner of the alleged obligation as mandated by TILA. 
I demand Chase XXXX XXXX to immediately cease and desist any servicing and collection activities until Chase and XXXX provide me proper authorization from the owner of the obligation The personal information that we collect about a specific individual, and the sources we use to collect that personal information, will depend on our relationship or interaction with that individual. During the past twelve ( 12 ) months, we have collected the following categories of personal information : Identifiers, such as name, date of birth, postal address, email addresses, social security number, state identification or drivers license number, passport number, other personal information that may be found on police reports or affidavits ( if such items are needed for claim processing ), and other similar identifiers. 
Personal information as defined in the California customer records law, such as signature, telephone number, insurance policy or contract number, health or medical information, and financial information such as account number and balance, payment card details including credit and debit card numbers. 
Characteristics of Protected Classifications under state or federal law, such as XXXX, race, or marital status. 
XXXX XXXX, such as products and services obtained and transaction histories. Depending on the product or service you have with XXXX or a party with whom XXXX has a business relationship, this may include information about : Insurance policies and service plans ( such as policy/plan number and coverage details ) and associated claims. 
A device, equipment, or consumer product related to an XXXX product or service ( such as vehicle identification number and other vehicle information, a mobile device international mobile equipment identifier ( XXXX  ) and other device information, or details about a connected device or household product ). 
Residential or commercial property you own or rent. 
Biometric Information, XXXX does not collect, store or transmit biometric information, but some XXXX mobile applications allow you to use the biometric logins such as fingerprints or facial recognition that you have established on your mobile or other devices to access our applications. 
Internet or network activity information, such as IP address, browsing history, and information regarding your interaction with XXXX or non-XXXX websites, mobile applications, or advertisements. 
XXXX data, such as device location, including precise geolocation where necessary to provide the product or service ( including application ) you requested or downloaded and as disclosed to you as part of that product or service purchase and consented to where required by law. 
Audio, electronic, visual and similar information, such as call and video recordings. 
Professional or employment-related information, such as current or prior employer and related work information ( such as periods of employment ). 
Education information, such as student records and directory information. 
Inferences drawn from any of the above to create a summary about, for example, an individuals preferences and characteristics. However, this information is not used for solely automated decision making. See the section No Profiling below. 
Sensitive Information which includes social security, drivers license, state identification card or passport number, precise XXXX, XXXX or XXXX origin, to the extent noted above. In addition, with respect to certain mobile and electronic device services we provide, we may access the following information on your device but only with your consent and only as needed to provide the service : Contact lists, XXXX  messages, call logs, photos, videos, saved files or other documents, and music lists. Remote technical support services of certain devices may involve screen or camera sharing capabilities. When the support session is over, we do not retain information seen on such screens.

Company response to consumer: Closed with explanation