Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
What happened? 

XXXX XXXX XXXX XXXX XXXX defendant being sued by JPMorgan Chase Bank , N.A . for a credit card debt. The lawsuit, served in XX/XX/year>, is fundamentally flawed and demonstrates a pattern of deceptive and abusive practices. 

The core issues are : XXXX. Use of a Knowingly False Affidavit : JPMorgan Chase Bank , N.A . filed an " Affidavit of Indebtedness '' as their sole evidence. This affidavit falsely claims I opened an account ending in [ XXXX ]. However, in my formal Answer to the court, I clearly stated their claim was based on an INCORRECT account number and provided the correct number ( as I have the physical card & emails sent from JPMorgan Chase Bank , N.A . ). Despite being put on notice of this critical error, JPMorgan Chase Bank , N.A . proceeded to file a Affidavit of indebtedness & Motion for XXXX XXXX in XXXX XXXX, relying on this same false affidavit. This indicates willful intent to use a deceptive document to obtain a court judgment. 

XXXX. Misrepresentation of Status ( Debt Collector vs. Creditor ) : JPMorgan Chase 's Complaint and Summons contain a " XXXX '' warning on the first page, stating : " This communication is from a debt collector. Any information obtained will be used for that purpose. '' This is an explicit admission they are acting as a third-party debt collector under the FDCPA/FCCPA ( FL ).

However, in their subsequent court filings and affidavit ( signed by a JPMorgan Chase employee ), they claim to be the original creditor. This contradictory behavior is a deceptive and unfair practice designed to obscure their true lack of standing. 

XXXX. Lack of Standing and Failure to Validate : The alleged debt was securitized and sold to the " Chase Issuance Trust, '' as evidenced by JPMorgan 's own public SEC filings. The affiant is a JPMorgan Chase employee, not an agent of the true owner ( the XXXX ). They have provided XXXX evidence of a reassignment of this specific debt back to them, such as an assignment agreement or chain of title. 

Despite my multiple court filings explicitly challenging their standing and demanding proof of ownership, they have refused to produce any such documentation. Instead, they filed a Motion to XXXX my Affirmative Defenses, attempting to have the court dismiss my valid legal arguments without addressing their merits. 

XXXX. Abuse of the Legal Process Against a XXXX XXXX XXXX  : Knowing their affidavit is false and their standing is defective, JPMorgan Chase is aggressively pursuing a Summary Judgment hearing scheduled for this month. They are doing this with full knowledge that : XXXX. They have not validated the debt or proven ownership. 
2. They have not addressed the account number discrepancy.

3. They have not rebutted any of my evidence or defenses.

4. This strategy appears designed to exploit my status as a self-represented individual, hoping the court will grant a judgment based on their unchallenged, false affidavit before the facts can be fully exposed through discovery.

Specific Laws Violated : - FDCPA 15 U.S.C. 1692e ( 2 ) ( A ), ( 10 ) : Using false representation ( false account number, false owner status ) and deceptive means to collect a debt. 

- FDCPA 15 U.S.C. 1692f : Using unfair or unconscionable means to collect a debt, including pursuing a lawsuit with knowledge that the foundational evidence is false.

- FCCPA Fla. Stat. 559.72 ( 9 ) : Claiming, attempting, or threatening to enforce a debt when they know it is not legitimate or when they know they lack the legal right to do so. 

I also request that the CFPB investigate their practice of filing lawsuits with unverified, inaccurate affidavits and their deceptive use of " debt collector '' warnings while claiming original creditor status. This conduct harms consumers who lack the resources to fight back. They have not validated debt and are intending to use court to take advantage and deceive me. I can provide any and all proof upon request. Thank you.

Company response to consumer: Closed with explanation