Chase is suing you on an account. It still has to prove the debt.

Brian argues that it does, if you raise it. A financial report of JPMorgan Chase & Co., which Brian filed as an exhibit, says its card business securitizes card loans, primarily through the Chase Issuance Trust. In one case, Chase’s lawyer said a securitization sells only the receivables, so Chase still owns the account. The lawyer also said the receivables come back to Chase on default. If your account went in, Brian asks for the reassignment that brought it back. This is his argument, not settled law. His own notes from 2026 say courts have often rejected standing challenges built on securitization when the original creditor sues. The result depends on your state.

Brian reads it as a sign that the debt went into a trust. He says Chase then sues as the servicer for the trust. In three Chase cases he defended, the numbered paragraphs say “account” and never “debt”. He makes the same point about other banks’ complaints. It is his reading of the complaint, not a court’s ruling.

Brian says it does. Two of the three Chase complaints from his cases say the defendant failed to object to the statements, and claim an account stated. Brian says form complaints keep that paragraph even after you dispute. If you hold written disputes, he calls that paragraph the linchpin. Brian puts the letters, and anything Chase sent back, in a counter affidavit. Under the Fair Credit Billing Act, you dispute a billing error in writing within 60 days of the first statement that showed it. The rules for a counter affidavit and for an account stated depend on your state.

Usually not. The FDCPA, the federal debt collection law, covers debt collectors. A bank that collects its own debt is generally outside it. Brian argues two facts can change that. One is a debt collector notice printed on the complaint. He found one on a Chase complaint in a case he defended. The other is a bank that sues as the servicer for a trust. That is his argument, not settled law.

Brian’s steps come from a Chase identity theft case. Dispute the charges in writing with Chase and with the credit bureaus. File a police report or an identity theft affidavit. Brian says judges and credit bureaus will not take you seriously without one of them. Keep a copy of everything, and send everything certified. In that case, Brian says, the cardholder had disputed the charges for two years before Chase sued.