Consumer complaint received 2019-03-03 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: WI

Complaint narrative:
CONDITIONAL ACCEPTANCE AND COUNTER-OFFER FOR ACCOUNT SETTLEMENT AND CLOSURE Certified # XXXX XXXX : XXXX c/o XXXX. XXXX  XXXX XXXX XXXX, WI, XXXX XX/XX/XXXX Trustee in care of XXXX XXXX XXXX MS. XXXX XXXX PRINCIPAL CHIEF EXECUTIVE OFFICER REGISTERED AGENT JPMORGAN CHASE CREDIT CARD XXXX XXXX XXXX XXXX, DE, XXXX This is a legal notice. Please read it carefully as it means what it says, do not ignore it. 

Respondent- NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL RE : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON CORPORATIONS CONTRACT, FOR DETERMINATION OF MEETING OF THE MINDS, FRAUD ON THE CONTRACT, AND/OR AN UNCONSCIONABLE CONTRACT AND/OR AGREEMENT FOR COMMERCIAL DISCHARGE, ENDING ACCOUNT No. : XXXX. 

Dear Ms. XXXX : On XX/XX/XXXX, you were sent Notice of Adequate of Due Performance. This notice was sent by Certified Mail # XXXX. You did not respond accordingly. 
As soon as you provide the information requested, ( information which I believe I am entitled to under state and federal law ), in this conditional acceptance and counter-offer, I will gladly and timely fulfill my obligation. 

I am conditionally accepting your offer for the unverified items contained in the Account Ending # XXXX, upon proof of claim that : I, XXXX : XXXX, the undersigned decedent and authorized representative and trustee of the estate named person known as XXXX XXXX XXXX. 

Do hereby accept and agree to pay all debts, charges and obligations associated with the following account : XXXX upon proof of claim that the following conditions are met. 


1. I demand proof of claim, that you provide a furnish a copy of Form 1099-A or an acceptable substitute statement also provide me with your federal tax identification number [ W-9 ] and your Internal Revenue Service at my above referenced address within 30 days. Failure to do so may result in a fine from the Internal Revenue Service division of the UNITED STATES Department OF THE TREASURY. 

2. [ Per UCC 3-501 ( b ) ( 2 ) ], I demand proof of claim in that you : ( i ) EXHIBIT THE INSTRUMENT THAT CREATED THE LIABILITY by providing a certified copy of the contract/compact/agreement/negotiable instrument which creates or created the liability for XXXX XXXX XXXX to pay or perform, per your claim. 
If it exists, provide a certified copy of the valid, two-party contract containing both parties signatures, which COMPELS me, a living Man to give you any real monies in the form of Silver or Gold for the alleged debt. 
Further, as Secured Party AND Creditor, I aver that I am acting in PRIVATE and IN HONOR. In order to REMAIN IN HONOR and NOT DISHONOR you or the Law, I ask for clarity on this question : Are you ( or your employer or any other party ) demanding/asking/requesting/requiring that I, a living Man give you property belonging to another - in this case, the FEDERAL RESERVE BANK ? 
If this is, in fact, the case, please PRINT YOUR NAME HERE : _________________________________________________________________________________________ and then SIGN YOUR NAME HERE : _________________________________________________________________________. 

3. Per [ UCC 3-501 ( b ) ( 2 ) ], I demand proof of claim in that you : ( ii ) GIVE REASONABLE IDENTIFICATION OF THE PERSON MAKING PRESENTMENT AND PROVIDE EVIDENCE OF YOUR AUTHORITY TO MAKE IT, IF MADE FOR ANOTHER by identifying your company/corporation/agency by full name and place and date of birth ( such as the date of incorporation as well as the place/location of incorporation and/or the law used to create it. Please kindly provide a certified copy of proof of the authority that makes you the HOLDER IN DUE COURSE, to include the name of the Original Creditor, should this presentment be made on behalf of or for another. 
4. Per [ UCC 3-501 ], should you fail to produce proof of necessary endorsement, I, without dishonoring your presentment, may : 1. ( i ) Return your presentment or 2. ( ii ) Refuse to pay or accept your claim/presentment for failure of the claim/presentment to comply with the terms of the instrument or 3. ( iii ) Refuse to pay or accept your claim/presentment for failure of the presentment to comply with this agreement between us parties or 4. ( iv ) Refuse to pay or accept your claim/presentment to comply with the laws of Wisconsin 5. PROOF OF CLAIM that Respondent show under the FCRA ANY copy of the original creditors documentation on file ( a consumer contract or application with my signature on it ) that your company will verify, and that this information is mine and is correct and has not been altered in any way shape or form as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). 
6. PROOF OF CLAIM from your department 's documentation showing method of verification as required under Section 611 ( a ) ( 7 ). Take additional notice the legal definition of verification is to confirm or substantiate by oath or affidavit, a formal declaration made in the presence of an authorized officer, such as a notary public. All other forms of verification and documentation will be null and voided. 
7. PROOF OF CLAIM that JPMORGAN CHASE CREDIT CARD as an artificial entity created under the laws of the State of Wisconsin, doing business in the State of Wisconsin by and through its board of directors, employees and agents are not bound to support Article I, X, as a state created entity in that " No state shall. make anything but gold and silver coin as legal tender in payment.. 

Please understand - this is not a refusal to pay. I simply require the above-requested information for my inspection and for my records, to ensure that I am paying the right party with the right standing to collect the alleged debt. Im SURE you understand. Now lets be clear : FAILURE TO COMPLY WITH THE REQUIREMENTS OF MY CONDITIONAL ACCEPTANCE/COUNTER-OFFER UNEQUIVOCALLY INVALIDATES YOUR CLAIMS/PRESENTMENTS. 

Please take notice that by the XX/XX/XXXX day past your receipt of this CONDITIONAL ACCEPTANCE/COUNTER-OFFER, you MUST RESPOND to my requests via affidavit, deposition, oath, and/or sworn statement. Should you fail in this, I will consider this matter settled and the account closed, AND THAT your CLAIM/PRESENTMENT is VOID, XXXX XXXX. 

Should you choose to ignore or simply not respond/answer this CONDITIONAL ACCEPTANCE/COUNTER-OFFER, then you have most certainly agreed that your CLAIM/PRESENTMENT is both VOID and INVALID, has no standing in law, can not be enforced in any court of law/competent jurisdiction, and that XXXX XXXX XXXX is under no obligation to believe nor to deem the CLAIM/PRESENTMENT as valid. 

Please take notice that, at my own discretion, THIS CONDITIONAL ACCEPTANCE/COUNTER-OFFER SHALL BE ENTERED INTO THE OFFICIAL RECORD OF ANY AND ALL LITIGATION, PROCEEDINGS, LEGAL OR LAWFUL MATTERS ARISING FROM THIS CONTRACT, AND SHALL BE SUBMITTED AS EVIDENCE IN A COURT OF LAW. 
Per 15 U.S. Code 1692g - Validation of debts, please provide : a ) amount of the Debt b ) the name of the creditor to whom the debt is owed c ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector d ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

1. As the alleged creditor for all accounts listed Im demanding that all original contracts, applications, master promissory notes, drafts, checks, negotiable instruments whether secured or unsecured backed by offer, acceptance and consideration to which both parties agrees that a contract between the parties exists be returned to me within ( 10 ) business days. As the alleged creditor ( JPMORGAN CHASE CREDIT CARD ) agrees that all of the following negotiable instruments listed above were taken in good faith and as a holder in due course for value and consideration given to XXXX XXXX XXXX and that there exist NO claims to recoup INTEREST, VALUE, PROFITS, SHARES OR PROCEEDS from any of the instruments listed on page X of X in this document. 

2. As an alleged creditor ( JPMORGAN CHASE CREDIT CARD ) will present all material facts and evidence to substantiate to the Trustee and all Credit Reporting Agencies that a unconditional promise or order and instructions given by the maker exists and will be presented as evidence upon demand or at a definite time once requested by trustee or any credit reporting agency with authorized consent to request for verification from trustee and that those instruments have not been securitized from liquid assets and pooled into an asset backed security and sold to investors or unverified credit-debt collectors and that you have not transferred any of these securities to a 3rd party or any subsidiaries that your company owns directly or is indirectly associated with. 



You have three ( 3 ) days from receipt of this Conditional Acceptance to respond on a point-by-point basis, via sworn affidavit, under your full commercial liability, signing under penalty of perjury that the facts contained therein are true, correct, complete and not misleading. Mere declarations are an insufficient response. If an extension of time is needed to properly answer, please request it in writing. Failure to respond will be deemed agreement with the facts stated in the attached Affidavit and inability to prove your claim, thereby indicating your agreement to the facts stipulated herein enclosed commercial affidavit. 

This letter constitutes notice to the recipient. 

This agreement shall have the effect of an instrument under seal. 

Respectfully Submitted and Patiently Waiting, XXXX : XXXX, XXXX XXXX On the land of the state of the Union Wisconsin State /XXXX County NON-DOMESTIC CURRENT Domicil Location : XXXX XXXX XXXX XXXX XXXX, wisconsin state republic near [ XXXX ] United States of America Without Recourse Without Prejudice per UCC XXXX All Rights Reserved All Benefits Accepted Under Protest Cc : Secretary of the Treasury , XXXX XXXX

Company response to consumer: Closed with non-monetary relief