Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Re : Complaint Against XXXX XXXX XXXX XXXX XXXX. Failure to Provide Debt Resolved Documentation ( Account XXXX ) To Whom It May Concern : I am submitting this complaint to request that the CFPB investigate XXXX XXXX XXXX XXXX XXXX. for failing to provide debt resolved documentation to me and the State of Michigan regarding Account XXXX, despite my repeated emails and phone calls. 



Statement of Facts 1. Account Information Account Number : XXXX Managed by : XXXX XXXX XXXX XXXX XXXX. 
2. Repeated Requests Ignored Beginning on XX/XX/XXXX, I emailed XXXXXXXX XXXX XXXXXXXX requesting written confirmation that Account XXXX was resolved and that they notify the State of Michigan accordingly. 
Since that initial outreach, I have sent additional emails and placed multiple phone calls, including messages left with their office staff. 
On each occasion, I clearly identified the account number and requested confirmation that the debt was resolved. 
To date, no written confirmation or notification has been provided, despite these repeated and good-faith attempts. 
3. Harm and Ongoing Risk Because the firm has failed to confirm resolution, the account remains in limbo. I face the ongoing risk of inaccurate reporting, further collection attempts, or adverse legal action. 
This unresolved status has caused unnecessary stress, wasted time, and may damage my credit and financial standing. 



Legal Basis Under 15 U.S.C. 1692g ( FDCPA ), a debt collector must provide accurate and complete information and can not continue collection activity without validation when requested. Failure to confirm that a debt is resolved misrepresents its status and violates these provisions. 
Continuing to treat a resolved debt as unresolved also risks violating consumer protection rules governing accuracy and fairness. 
Patterns of similar complaints against XXXXXXXX XXXX XXXXXXXX indicate this may be a broader issue requiring regulatory oversight. 



Requested Relief I respectfully request that the CFPB : 1. Investigate XXXX XXXX XXXX handling of Account XXXX. 
2. Order the firm to immediately provide me with a written letter confirming that the debt has been paid in full. 
3. Order the firm to immediately notify the State of Michigan that the debt has been resolved. 
4. Require XXXX XXXX XXXX to adopt compliance procedures ensuring consumers receive timely debt resolved documentation in the future. 
5. Take any enforcement action warranted, including penalties, if it is found that the firm has systematically failed to comply with federal law. 



I affirm that this information is accurate to the best of my knowledge and can provide supporting documentation ( emails, phone logs, and account records ) upon request. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation