Consumer complaint received 2026-05-15 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: NJ

Complaint narrative:
Issue : Debt collection false representation of creditor, unfair practices, failure to provide written disclosures Company : XXXX XXXX XXXX Additional company involved : XXXX, XXXX, XXXX XXXX XXXX XXXX Original creditor : JPMorgan Chase Bank, N.A. I am filing this complaint because XXXX XXXX XXXX has provided misleading and inaccurate information about my debt, failed to provide required written disclosures, and is engaging in unfair and deceptive practices in violation of the FDCPA and CFPB regulations. XXXX XXXX XXXX is handling a debt settlement for two Chase credit card accounts. When I logged into my XXXX client dashboard, the Current Creditor was listed as XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This is a law firm, not a creditor, and they do not own my debt. Listing a law firm as the current creditor is false, misleading, and violates FDCPA 1692e ( 2 ) ( A ) and 1692e ( 10 ). It also violates CFPB Regulation F, which requires accurate identification of the actual creditor. To verify ownership, I checked my XXXX credit report. Both accounts are listed as charged off by Chase Bank, and Chase is still listed as the creditor. There is no new creditor, no debt buyer, and no transfer of ownership shown. This confirms that Chase still owns the debt, and that XXXX dashboard is providing incorrect and misleading information by identifying a law firm as the creditor. I contacted XXXX to request a hardship payment reduction because my current biweekly payments were unaffordable. They verbally approved reduced payments of {$150.00} biweekly on one account and {$82.00} biweekly on the other. However : 1. They refused to provide a written payment schedule 2. They refused to make the reduced payments automatic 3. They told me I must call every month to keep the reduced payments active 4. They delayed the start of the reduced payments by several weeks This creates instability, confusion, and financial risk. It also violates FDCPA requirements for clear written disclosures and constitutes unfair and unconscionable practices under 1692f. A legitimate hardship modification should be documented, automatic, and consistent. XXXX refusal to provide written terms prevents me from understanding the true status of my account and creates the possibility of unexpected increases or default. I am requesting that the CFPB require XXXX XXXX XXXX to : 1. Correct the creditor information and accurately identify the true creditor ( Chase Bank ). 2. Provide a written, permanent, automatic payment schedule reflecting the reduced biweekly payments. 3. Provide proper written disclosures required under the FDCPA and Regulation F. 4. Explain why a law firm was listed as the creditor despite XXXX showing Chase still owns the debt. 5. Reage my account so I am not considered behind due to their delays. I want to continue paying and resolve this debt, but I need accurate information and a clear, written, automatic payment plan. XXXX current practices are misleading, confusing, and harmful. I want XXXX XXXX XXXX to : 1. Correct the creditor information to show the actual creditor ( Chase Bank ). 2. Provide a written payment schedule with the reduced biweekly payments of {$150.00} and {$82.00}. 3. Make the reduced payments automatic and permanent, not monthtomonth. 4. Provide all required written disclosures under the FDCPA and Regulation F. 5. Reage my account so I am not considered behind.

Company response to consumer: Closed with explanation