Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Date : [ Insert todays date ] To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX Re : Formal Complaint Against JPMorgan Chase Bank , N.A . ( JPMCB ) Violations of Federal Consumer Protection Laws, Including FCRA, FDCPA, TILA, UDAAP, and UCC Complainant : [ XXXX, XXXX, XXXX, XXXX ] Address : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Account/Reference Number ( s ) : [ N/A ] Subject : Willful and Aggressive Violations of My Consumer Rights Under Federal Law Demand for Investigation, Enforcement, and Remedies under 15 U.S.C. 1692k, TILA 15 U.S.C. 1641 ( f ) ( 2 ), 15 U.S.C. 1681, 15 U.S.C. 1681i ( 5 ) ( B ) ( ii ) ( iii ), and Related Statutes To the Director and Enforcement Division of the CFPB : I am filing this formal complaint against JPMorgan Chase Bank , N.A . ( JPMCB ) for repeatedly, knowingly, and aggressively violating my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), Fair Credit Billing Act ( FCBA ), Unfair or Deceptive Acts or Practices ( UDAP/UDAAP ), Uniform Commercial Code ( UCC ) , and other federal consumer protection laws codified in Title 15 of the United States Code ( U.S.C. ). Despite clear statutory mandates, JPMCB has engaged in a pattern of abusive, deceptive, and unlawful conduct that has caused me substantial financial harm, emotional distress, and credit damage. -- - VIOLATIONS ALLEGED 1. FCRA Violations 15 U.S.C. 1681 et seq., specifically 1681i JPMCB failed to conduct a reasonable reinvestigation of disputed information as required under 15 U.S.C. 1681i ( a ). JPMCB ignored my timely dispute notices and continued to furnish inaccurate, incomplete, or unverifiable information to consumer reporting agencies, in direct violation of 15 U.S.C. 1681s-2 ( b ). JPMCB violated 15 U.S.C. 1681i ( 5 ) ( B ) ( ii ) ( iii ) by failing to delete or correct the disputed information after its own reinvestigation confirmed neither accuracy nor verifiability, and by failing to provide me with the results of the reinvestigation within the mandatory period. Willful noncompliance per 15 U.S.C. 1681n and negligent noncompliance per 15 U.S.C. 1681o. 2. TILA Violations 15 U.S.C. 1641 ( f ) ( 2 ) JPMCB, as an assignee of consumer credit, failed to provide required disclosures and assumed liability for TILA violations committed by the original creditor. JPMCB refused to honor my rescission or billing error notices under TILA Sections 161 and 163, ignoring clear statutory obligations. 3. FDCPA Violations 15 U.S.C. 1692 et seq., including 1692k JPMCB ( or its agents/debt collectors ) engaged in harassment, false representation, and use of deceptive means to collect alleged debts. Failed to validate the debt as required under 1692g. I seek statutory damages under 1692k for each violation, plus actual damages, costs, and attorney fees. 4. FCBA Violations 15 U.S.C. 1666 et seq. JPMCB failed to properly investigate billing error notices, continued to report disputed amounts as owing, and did not correct billing statements within the required two billing cycles. 5. UDAAP / UDAP Violations JPMCB materially misrepresented the character, amount, or legal status of alleged obligations. Took unfair, deceptive, or abusive acts that caused me to incur unwarranted fees, interest, and credit denials, violating the Consumer Financial Protection Act 1031, 12 U.S.C. 5531. 6. UCC and Related State Law Violations JPMCB failed to act in good faith in the performance or enforcement of any contract ( UCC 1-304, 3-103 ). Improperly presented or enforced negotiable instruments, failed to provide proper accounting. -- - RELIEF SOUGHT I demand the CFPB immediately : 1. Open a formal enforcement investigation into JPMCBs systemic violations of the FCRA, TILA, FDCPA, FCBA, and UDAAP. 2. Compel JPMCB to : Delete all inaccurate, unverifiable, and unlawful tradelines from my credit reports within 5 business days ( 15 U.S.C. 1681i ( 5 ) ( B ) ( iii ) ). Provide a sworn affidavit of compliance signed by a JPMCB officer. Pay statutory damages under 1692k, 1681n, and actual damages under TILA 1640. Issue a formal cease and desist from further collection, reporting, or transfer of alleged debt unless fully validated. 3. Refer this matter for civil penalties and consumer redress under 12 U.S.C. 5565. -- - CERTIFICATION I certify under penalty of perjury that the foregoing is true and correct to the best of my knowledge and belief. I have attached as Exhibit A copies of correspondence, credit disputes, reinvestigation results, and JPMCBs failure notices. JPMCBs conduct is willful, repeated, and in flagrant disregard of federal consumer law. I will not tolerate further abuse. I demand immediate intervention by the CFPB and reserve all rights to pursue private action under 15 U.S.C. 1640, 1692k, and 1681n. -- - Respectfully submitted, [ XXXX, XXXX, XXXX, XXXX ] [ XXXX, XXXX, XXXX, XXXX ]

Company response to consumer: Closed with explanation