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JP Morgan Chase

Address:

270 Park Ave.
New York, NY 10017-2070

Contact Them:

212-270-6000

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JP Morgan Chase is a bank which offers a wide array of lending and credit card options. Many Americans like you are being contacted by collection agencies hired by JP Morgan Chase who are trying to get payments on defaulted accounts. Even though you may owe a debt to JP Morgan Chase or the collection agency it hired, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount being requested is inaccurate, if you feel the debt is not owed at all, or if you feel the debt is fraudulent.

If your alleged JP Morgan Chase account is with a collection agency, you can send a letter to that collection agency within thirty days of first being notified of the collection. You should send such a letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation or proof of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt.

    The Fair Credit Reporting Act (“FCRA”) regulates the credit bureaus’ responsibilities as to your credit report. There are many things credit bureaus are required to do as it pertains to their credit reporting. Credit Bureaus must:

  • report accurately;
  • conduct a reasonable investigation of any dispute you make with them as to inaccurate credit reporting;
  • clearly mark any trade line disputed by you as disputed by the consumer.

    Your best option is to consult with a consumer protection attorney if you believe your rights are being violated.

  • 1 Comment

    1. ANGELO TSIMPEDES on September 7, 2016 at 3:12 pm

      CHASE CREDIT CARD REPORTED MY ACCOUNT AS LATE TO CREDIT BUREAUS , I PAY ALL MY ACCOUNTS ON TIME WHEN RECEIVED , NEVER LATE. FAILED TO SEND ME A CREDIT CARD STATMENT IN THE MAIL.
      CALLED ME JULY 19TH , FAXED ME STATMENTS I PAID IN FULL JULY 21, 16
      TOLD ME ERROR IN DEC ACCOUNT WAS SWITCHED TO ONLINE. I NEVER DO ANYTHING WITH
      CREDIT CARDS ONLINE ALL MY ACCOUNTS INCLUDING CHECKING AND CREDIT ARE MAILED TO ME AND PAID PYSICALLY AT CHASE BRANCH. I EVEN NEVER HAD AN ATM CARD AND REFUSED ONE IN MY CHASE PERSONAL CHECKING ACCOUNT. I HAVE SPEND HOURS WITH THEM THE LAST COUPLE OF DAYS AND HAVER GOT ME EMOTIONAL UPSET AND ANXIETY, CANNPT CONCENTRATE. THEY ARE GIVING ME THE RUN. I JUST WANT THEM TO REPORT TO CREDIT BUREAUS CORRECTLY ONCE I RECEIVED MY STATEMENT AND PHONE CALL ON JULY 19 TH I PAID IN FULL PROMPLTY. THEY ABATED INTEREST AND PENALTIES .
      AROUND . JUST WANT CREDIT BUREAUS TO SHOW CURRENT NOT LATE I NEVER PAID ANYTHING LATE.

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    Vullings Law Group, LLC d/b/a VullingsLaw is not responsible for the content of the consumer comments provided here.  Vullings Law neither supports nor provides any opinion as to the statements made herein.