Product: Debt collection

I'm writing because I received a voicemail from an organization that I didn't recognize. They also left voicemails for three of my siblings at the exact same time. Ordinarily I would ignore a voicemail from a number I don't recognize, but the contact with my direct siblings was worrying. 

I called the number that dialed me : ( XXXX ) XXXX at which I spoke to a representative named XXXX XXXX at an organization called XXXX XXXX XXXX, who made it seem like they are a legal firm representing J.P. Morgan Chase in a pending civil case against me for a balance he said was charged off in XXXX. The following is an excerpt of the contemporaneous notes I took while taking information from XXXX during the call : ( XXXX ) XXXX ( The Direct Phone Number for XXXX XXXX XXXX ) ( XXXX ) XXXX ( The phone number that dialed me and left a voicemail ) ( XXXX ) XXXX ( The phone number that dialed my sibling in Maryland. ) ( XXXX ) XXXX ( The phone number that dialed my sibling in New York. ) ( XXXX ) XXXX ( The phone number dialed my sibling in North Carolina. ) Although I received a phone call and voicemail from the ( XXXX ) phone number, dialing that number brought me directly to the organization calling itself XXXX XXXX XXXX. XXXX XXXX explained that number was the Process Server who attempted to contact me. This seemed strange. The representative that answered, XXXX XXXX, seemed off as well. ( It also seemed strange to me that he happened to share a name in common with the alleged Originating Creditor. XXXX  JP MorganXXXX XXXX XXXX XXXX ( XXXX  Reference Number ) Spoke to XXXXXXXX XXXX XXXX XXXX XXXXXXXX to XXXX EST XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX Emailing me the notice of intent. 

No indication of the originating balance in his files. 

No copy of the original Contacting JP Morgan Chase Bank I can forward a copy of the letter that I was told was sent to me at a years old address that the rep said was undeliverable. Please let me know if you require this for your reference. 

I spoke to a representative in the fraud department at J.P. Morgan Chase in order to ensure there was no account, line of credit or loan taken out in my name. The representative was unable to find any records of me ever having had any accounts with J.P. Morgan Chase, and was very helpful in searching back, and providing me with information to all my questions. The following are the contemporaneous notes I took while on the phone with that representative : On phone with J.P. Morgan Chase XX/XX/XXXX XXXX Re : Acct # Provided by XXXX XXXX XXXX For an alleged balance of {$2700.00} Provided Social Security Number to check for previous balances. No balance or accounts in their history. 

Provided Name and general information. No Balance or accounts under my name. 

Checked by provided account number. No account ever listed under the provided account number. 

Account Number : No Data Available for the provided account number. Representative said that the account number is not related to their format for account numbers. 

Representative was unaware of XXXX XXXX XXXX by name. 

Representative Suggested contacting the Credit Bureaus XXXX, XXXX, XXXX. 



I'm only writing because I'm concerned that there could have been an account created in my name by an imposter that stole my identity, and I will need to resolve that issue. More likely, a scammer somehow received my personal information and is attempting to use a high pressure technique to force me into paying him under threat of legal action. 

I think that the complexity of contacting all my siblings simultaneously should be worrying for J.P. Morgan Chase since that is the entity listed as the Originating Creditor on the attached notice. My background includes a former career in finance as an expert in corporate credit and collections practices. I asked very specific questions of XXXX, and he was able to answer about 50 %. His inability to answer everything made me doubt the legitimacy of the information he gave me, and the information he subsequently sent. 

Following up with JP Morgan Chase directly, and interacting with their Fraud Department showed that they have no record on file for any interaction between me and their institution. I had them search their files using all of my personal information, the account number I was given, and asked if they have an existing relationship with a company named XXXX XXXX XXXX. The representative said there was nothing she could find. 

The most worrying part of this is that he seemed to have my full social security number, a legitimate former address ( that is out of date by years ). I am now in the process of freezing my information through all the credit reporting agencies since it is apparent that my information has been breached, most likely during the recently reported SSN leak.