Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Subject : Follow-Up to CFPB Complaints XXXX and XXXX Re : Mischaracterization and Mishandling of Dispute by Chase Bank ( Acct Ending in XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to provide an urgent and detailed update regarding my open CFPB complaints ( XXXX and XXXX ) involving JPMorgan Chase Bank , N.A . and their handling of my credit card account ending in XXXX. 

Key Issue : Mischaracterization of My Case as Fraud Let me be absolutely clear : The matter Chase is investigating and the matter I have raised in both CFPB complaints has nothing to do with fraud. I have never claimed the account was fraudulent or that I am not responsible for the debt. 

This dispute involves : Ongoing credit card debt, Chases refusal to honor my Limited Power of Attorney ( LPOA ) with XXXX XXXX  Failure to accommodate my documented medical condition ( XXXX ) by honoring written-only communication, and Misleading or non-substantive form letters sent in response to serious and specific concerns. 

Despite this, Chase continues to mischaracterize my correspondence as a fraud claim most recently in a letter dated XX/XX/year>, which I received on XX/XX/year>. The letter was titled : Update : You are responsible for this Credit Card account and appears to close the matter with a blanket statement completely ignoring the real issues. 

Contradictory Behavior Even more troubling : Chase mailed this letter on XX/XX/year>, and then, on XX/XX/year>, updated the CFPB stating they are still working on my case. 

This creates a serious contradiction : Either Chase had already made a decision and failed to disclose it to the CFPB, or They continue to send misleading form responses to consumers while giving regulators the impression that a real investigation is ongoing.

Either way, it demonstrates bad faith, lack of transparency, and potential regulatory non-compliance.

Ongoing Failures : Failure to Honor Valid Power of Attorney : My signed and previously accepted XXXX with XXXX XXXX is being ignored. Chase refuses to work with my authorized representative. 

Violation of Communication Agreement : On XX/XX/year>, Chase agreed to communicate with me in writing only due to my documented XXXX diagnosis. Despite this, they continue to urge phone contact. 

Use of Generic, Dismissive Letters : The XX/XX/XXXX letter is yet another non-substantive, misleading form letter that does not acknowledge or respond to the actual dispute. 

Risk of Inaccurate Reporting : I am deeply concerned that these mischaracterizations may lead to false or misleading credit reporting, further harming me. 

Compensation Demand The letter from JPMorgan Chase dated XX/XX/year>, which I received on XX/XX/year>, states : You are responsible for this Credit Card account. 

However, only two days later, on XX/XX/year>, Chase informed the CFPB that they were still investigating my dispute. 

This contradiction demonstrates a pattern of misleading communication and bad faith handling of my case, contributing directly to : Emotional distress and worsening of my medical condition ( XXXX ), due to confusing, contradictory, and dismissive communications ; Failure to honor my Limited Power of Attorney and written-only communication accommodations ; Mischaracterization of my dispute as a fraud issue, despite no such claim ; Continued improper collection and communication tactics. 

Given the above, I am renewing my compensation demand in the amount of {$37000.00} to cover : Statutory damages under the FDCPA and FCRA for improper handling and investigation failures ; Emotional distress and mental anguish caused by Chases misconduct ; Damage to my credit reputation and financial standing ; Harassment and violation of my communication preferences and legal rights. 

I expect this compensation to be paid promptly as part of any fair resolution of my dispute. 

Thank you for your continued attention. I am prepared to provide all supporting documentation including copies of Chases letters, the signed Limited Power of Attorney, and a complete communication timeline. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation