Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am XXXX XXXX, the signer / actual creditor to the purchase money-credit contract for the above referenced account. The described above party is hereby notified of the following governing laws outlined below ; By all the reasons and laws stated below, the consumer transaction consummated with your company or business is fully considered PAID with FULL FAITH and CREDIT. As such, you are legally required to close any and all balance to said account to XXXX  and paid in full. 
The account stated above is paid and has forever been paid in full by the power and authority given to your company or business when I personally was required and willfully provided my social security number. All legal binding contracts require a two party consideration in order to be legally comply and enforceable. 
My half of the required consideration for this consumer transaction was satisfied by providing my social security number and signing of the Credit Agreement Contract you required. The Social Security Number issued to me by the Social Security Administration who is the true owner of the account, and ALL Debts or Contract Obligations are satisfied under the law.

The Social Security number belongs to the Social Security Administration and anything purchased with that identifier number is an obligation of the United States pursuant to Title 18 USC 8. Anyone attempting to collect a debt is guilty of False Claims Act ( FCA ) Title 31 USC 3729.

Legal consideration on your company part was never provided, given or issued causing the contract alleged consumer credit debt to be VOID and uncollectable.

Note : All remittance coupons attached to the monthly statements issued and provided by the Credit Servicer or allegedly Provider were coupons requesting endorsement only and not a demand for payment as it would be unlawful pursuant to the laws stated below.

Title 15 USC 1601 Anytime a social security number is provided for credit it is deemed payment in full and satisfaction of any debt or credit requested.

Title 12 USC 1431 Banks and Financial Institutions can not lend money because they can only borrow money / credit. In this case Consumer Credit was the receiver of the credit as a debtor and did not incur any debt on my behalf as a creditor or lender.

Title 13 U.S.C. 5103 Promissory Note/ Promise to Pay is the payment in full. By execution with my wet signature and stating the social security number on record on the contract document I created the credit as full faith and credit to this consumer transaction.

Title 15 USC 1602 ( g ) I, as the wet signer on the Credit Agreement and or Promissory Note and authorizing the use of my social security number am deemed the creditor not the debtor.

Title 12 USC 83 ( a ) The Credit Agreement fully executed is the FULL FAITH and CREIDT due to its monetization as well as securitization of the Promissory Note or Contract by the receiving party which is this case is the Party named above.

Additionally, you are required to immediately remove any incorrectly reported account information regarding this account such late payment and open balances due with ALL credit bureaus or face monetary penalties I will demand via legal prosecution pursuant to federal law stating herein.

Company response to consumer: Closed with explanation