Consumer complaint received 2022-07-06 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: AZ

Complaint narrative:
On XX/XX/2022, I sent a Validation of Debt to the C.F.O. for JP MORGAN CHASE BANK via certified mail with a return slip [ Exhibit B ]. The C.F.O. for JP MORGAN CHASE BANK received the letter on XX/XX/2022 per the date transcribed on the return slip [ Exhibit C ]. The C.F.O. for JP MORGAN CHASE BANK failed to respond to the Validation of Debt Letter via a commercial affidavit under penalty and perjury by certified mail within ten ( 10 ) days from the date of receipt of receiving the letter [ Exhibit C ]. The C.F.O. for JP MORGAN CHASE BANK failed to clearly and explicitly provide me with the specific demands in the Validation of Debt Letter. As already mentioned, The C.F.O. for JP MORGAN CHASE BANK failed to do so. A representative of JP MORGAN CHASE BANK responded with statements which, pursuant to federal law, does NOT validate debt. No where in the law does it state that statements validate a debt. Moreover, if we want to get more technical, pursuant to federal law, a LAWFUL contract is : A Valid Offer, Adequate Consideration- must be TANGIBLE consideration, Valid Acceptance, Sound Mind/Mental Clarity and Meeting of the Minds + Wet Ink Signature ( both parties ). There is no way that JP MORGAN CHASE BANK can provide that proof because I have never met in person with the C.E.O. to discuss any alleged contract. This then provides proof that I never signed any alleged contract agreement in wet ink and neither did the C.E.O. of JP MORGAN CHASE BANK. Furthermore, on XX/XX/2022 I sent a Cease and Desist Letter to the C.F.O. for JP MORGAN CHASE BANK via certified mail with a return slip [ Exhibit A ]. The C.F.O. for JP MORGAN CHASE BANK received the letter on XX/XX/2022 per the date transcribed on the return slip [ Exhibit C ]. The C.F.O. for JP MORGAN CHASE BANK breached the cease and desist orders by contacting me after the fifteen ( 15 ) days from the date of receipt of receiving the letter violating 15 USC 1692c ( c ) [ Exhibit D, Exhibit M, and Exhibit Q ]. Moreover, On XX/XX/2022, I sent a sworn and notarized Affidavit of Truth and Invoice in the amount of {$19000.00} to the C.F.O. for JP MORGAN CHASE BANK via certified mail with a return slip [ Exhibit O ]. The C.F.O. for JP MORGAN CHASE BANK received the letter on XX/XX/2022 per the date stamped on the return slip [ Exhibit O ]. The C.F.O. for JP MORGAN CHASE BANK failed to lawfully rebut the Affidavit of Truth within ten ( 10 ) days via another affidavit rebutting all violations stated. Pursuant to the laws of Commerce, an unrebutted affidavit stands as truth. Therefore, the C.F.O. for JP MORGAN CHASE BANK consents to all judgements made and is liable to compensate me for all violations committed against my federally protected consumer rights stated via the amount stated in the invoice of {$19000.00} [ Exhibit O ]. Moving forward, because the C.F.O. for JP MORGAN CHASE BANK failed to rebut the Affidavit of Truth and compensate me for the damages per the invoice, on XX/XX/2022, I sent a Notice of Fault and Opportunity to Cure Letter to the C.F.O. for JP MORGAN CHASE BANK via certified mail with a return slip providing the opportunity to cure their faults [ Exhibit P ]. The C.F.O. for JP MORGAN CHASE BANK received the letter on XX/XX/2022 per the date stamped on the return slip [ Exhibit P ]. The C.F.O. for JP MORGAN CHASE BANK failed to cure their faults within ten ( 10 ) days via a commercial affidavit to validate the alleged debt and another affidavit to lawfully rebut all violations stated in the Affidavit of Truth. The failure to cure and honor their faults places the C.F.O. for JP MORGAN CHASE BANK in DEFAULT. The C.F.O. for JP MORGAN CHASE BANKs failure to cure their faults also means the C.F.O. for JP MORGAN CHASE BANK willfully and knowingly violated my federally protected rights and consents to all judgements made by me in the Affidavit of Truth. The C.F.O. for JP MORGAN CHASE BANK is liable to compensate me for the violations committed stated in the Affidavit of Truth, as well as any accumulated additional violations committed since. This amount is stated in the Bill of Particulars document labeled [ Exhibit R ]. As a last measure to stay in honor with federal law, I sent CFO for JP MORGAN CHASE BANK a notarized Notice of Default and Consent to Judgment Letter on XX/XX/2022, received on XX/XX/2022 [ Exhibit R ]. I provided the C.F.O. for JP MORGAN CHASE BANK the opportunity to cure by default by completing all of the following actions within ten ( 10 ) days from receipt of receiving the notice. JP MORGAN CHASE BANK failed to do so. Lastly, I sent a Certificate of Notary of Dishonor and Non-Response Letter and put all of my claims thus far on the record with a witness- which was sent to C.F.O. for JP MORGAN CHASE BANK and received on XX/XX/2022. I have yet to hear back. I am still receiving statements in the mail for this fraudulent account- which is a result of mail fraud and a criminal violation of 18 US 1341. The fraudulent account in question is also still being fraudulently and unlawfully reported to the credit reporting agencies harming my reputation and causing my life so much mental, emotional, and financial distress.

Company response to consumer: Closed with explanation