Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
This notice is submitted to request regulatory attention and a complete accounting and standing disclosure from JPMorgan Chase Bank , N.A . regarding an alleged credit card obligation ( account ending in XXXX ) that is the subject of Civil Action No. XXXX in the Magistrate Court of XXXX XXXX XXXX Georgia. JPMorgan Chase is a large insured depository institution and public company subject to the supervisory and disclosure regimes overseen by your agencies. 
I dispute JPMorgan Chases current status and authority to enforce the alleged obligation and can not verify the accuracy of the amount claimed without a transparent accounting and clear documentation of who is legally entitled to collect. Attached is an Accounting and Standing Demand I have sent to JPMorgan Chase and its counsel, requesting : A full, transaction-level accounting from account opening to present ( all charges, payments, interest, fees, charge offs, and the current balance broken down by component ). 
Documentation establishing standing and real party in interest status, including the original agreement, any assignments or transfers, and a clear statement whether JPMorgan Chase is acting as owner, servicer, debt collector, or in some other capacity. 
Information and documentation regarding any securitization, derecognition, transfer, pledge, or charge off of this receivable or any pool that includes it, together with disclosure of any economic recoveries ( securitization proceeds, insurance, credit default swaps, tax treatment, Federal Reserve transactions, or similar recoveries ) that should be credited to avoid double recovery. 
Clarification of how the receivable is treated on JPMorgans books and regulatory reports ( for example, whether it has been charged off, securitized, or otherwise derecognized or encumbered ). 
Requested agency action : Require JPMorgan Chase to provide a complete and comprehensible accounting and standing/ownership documentation for the alleged debt, and to ensure that collection activity is consistent with consumer financial protection laws, including accuracy of information, clear disclosure, and fair collection practices. 

I respectfully request that the CFPB Obtain and review JPMorgan Chases response to the attached Accounting and Standing Demand. 
Confirm that the companys position in court aligns with its accounting, regulatory reporting, and public disclosures. 
Take any appropriate supervisory or enforcement action if JPMorgan Chase is unable or unwilling to provide a complete accounting, chain-of-title/standing documentation, and clear explanation of any securitization, transfer, or prior economic recovery related to this receivable. 
This notice is submitted without waiving any rights, defenses, or objections in the pending litigation. All rights are expressly reserved. 
Respectfully, XXXX XXXX XXXX Spouse with Equitable Interest & Attorney in Fact /s/ XXXX XXXX XXXX  Principal & Defendant Attachments : Cover Letter to JPMorgan Chase and Counsel Accounting and Standing Demand ( JPMorgan Chase )

Company response to consumer: Closed with explanation