Consumer complaint received 2022-04-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My husband and I have a joint account with JPMorgan Chase Bank. We received separate letters both dated XX/XX/XXXX stating that a hold/freeze of {$3300.00} has been placed on our checking account. The letter addressed to me stated that Chase received a garnishment notice on XX/XX/XXXX and that it was attached to the letter. The garnishment notice was not attached, we never received it and never knew it existed. My husband 's letter stated that this hold/freeze was to comply with proceedings against my maiden name. We married in XXXX so that was an indication that this was a time-barred debt. We hand-delivered a letter to our local Chase branch, informing them that we did not owe this debt and that this was likely a debt scavenger attempting to zombie debt. We informed Chase that they are in violation of State and Federal laws : Sec 1692g in Title 15 of the U.S. Code, Texas Constitution, Article 16, Sec 28 and Sec 16.004 of the Texas Civil Practice and Remedies Code. We requested a copy of the judgement and they informed us that they could not provide us with it. They instructed us to call the debt scavenger, they provider us with the following information on a yellow sticker note : XXXX XXXX. We called that number and it was an answering service. Prior to going to our local Chase back we called Chase Levy department and agent provided us with Case No XXXX. With this case number we accessed XXXX XXXX XXXX and found a Register of Actions showing that the action was filed against us on XXXX. The XXXX XXXX XXXX advised us that the original creditor was XXXX XXXX. We call XXXX and they advised us that they showed two debts : {$1600.00} on originated on XX/XX/XXXX and {$630.00}, originated on XX/XX/XXXX. The debt in question is for {$1600.00}. The statue of limitation on this debt was XX/XX/XXXX, the judgement was filed AFTER the statue of limitation on XX/XX/XXXX. The address and name on record with XXXX XXXX has changed. However, we never received any communication. I recently retired from XXXX  XXXX XXXX XXXX XXXX, where I worked for fifteen years. I was required to show financial responsibility with XXXX and this debt never showed on any mandatory financial investigations that I received. When I retired I received a FERS deposit of $ XXXX, a portion of the funds that are on hold/freeze are FERS funds which are protected. We informed Chase that they failed to comply with the look back period by holding FERS funds. We recently withdrew all our funds from Chase but was unable to get our funds they are illegally holding. I have no negative items on my credit report, this items was charged off in XXXX, I have no way of disputing it with the debt scavenger. The debt scavenger has never contacted us. We want resolution by having our funds released and any other restitution afforded under law. We pray that your agency will be able to assist us in this matter. Thank you in advance.

Company response to consumer: Closed with explanation