Consumer complaint received 2023-05-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX and XXXX XXXXXXXX XXXX XXXXXXXX in XXXX XXXX, CA. A call was received via my cell number with no caller ID. An employee requested to speak with my husband and/ or verify will be available to serve a lien at current home address. Immediate address the issue for additional information as to caller ; XXXX from Process Service division, no number or further information but contact XXXX XXXX XXXX with the file number. Inquire if the serving of the lien is on hold while addressing the issue. Acknowledged for the day. Immediately contact as unable to determine any pending issues we have not addressed, provided file number and spoke with XXXX from litigation. Inquiring regarding the process to serve the lien on current address. Mention name of company and address the issue should have been addressed as spoke to me regarding same issue. Mentioned has not or another debt. As inquiring regarding last contact and review payment taken over my speaker of cell ; XXXX inquired need to confirm account information with a receipt ; mentioned review but also need specific information as to contact and if same company as before as addressed the previous month. Acknowledge account within 60 days. Inquired about why first contact and lien on current address. My information available but never spoke to them. Immediately indicated attempt to contact but now need to be addressed and if calling to settle the matter. Speak with employee and husband over speaker to gather payment information. Began to question specific of previous caller for documentation. XXXX began to provide long dragged out responses which I addressed to be specific to my questions. Attempt to explain himself and again just a simple response is needed. XXXX inquired as to payment and what needs to happen to settlement. I am requesting additional information and do not want to address his request. I was addressing husband over speaker regarding payment. XXXX made the assumption I was speaking with him. I was about to address with XXXX the issue of who I am speaking with and will address him, if I am to do so. XXXX immediately address being rude and did not want to continue the call and will file with the court so the balance will be over {$12000.00} and lien on our property and assets based on fees and court costs. I was about to interrupt again this needs to addressed and he did not want and disconnected. Called back and placed and hold and disconnected, called and hold and then would not continue and disconnect. Received initial call XXXX XXXX and last call XXXX XXXX  for a total of XXXX attempts. Husband made payment for settlement amount {$5100.00}. Next day, XXXX, husband addressed request for the additional information. Initially spoke with XXXX who couldnt address initial request and transferred to XXXX. Caught XXXX up and mentioned a little was addressed but after a little further in conversation asked if we were attempting to cancel the payment and what was our agenda. Again explain what agenda is and repeatedly address payment can be cancelled to us. Unable to provide third party subcontractor services and the company was not attempt to serve but rather an intent letter was to be sent which was not mentioned. The file number was not with the court but internal file number. Request business number or license number and no information could be provided. Request for letter of 4 months ago but settled so may not be available as file closed. We should understand. Request hard copy of paid in full as not normal process but we can print the email. Again asked about our agenda and mentioned did not have one but rather if addressed the questions the day XXXX this would have ended the same but again same tone from XXXX. XXXX explained easier to end call yesterday and should understand.

Company response to consumer: Closed with explanation