Consumer complaint received 2020-10-14
Company: JPMORGAN CHASE & CO.
State: PA
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:
Debt collection company called my father and told him I needed to call them back for legal documents I needed to sign. 

I called them back and said they were attorneys hired to pursue a judgement against me for a debt that was from 2005. They said that I was going to be charged with fraud and malicious intent to defraud the credit card company and would be required to attend a 3 day court hearing if I did not make arrangements for payment or present a settlement offer. 

I was asked if I were the responsible party for the debt when they reviewed my name, phone number, address and drivers license number. I said that I was the person that they were referencing and the debt could be mine but I wasn't sure. 

I told them that if it were my debt I would not have neglected to address the debt. 

I was told if I didn't settle or pay the debt in the amount of {$1900.00} I would be taken to court, and my wages and bank account would be garnished for the full amount of {$6800.00}. 

I asked about the statue of limitations first and they said that it didn't apply to the situation I was in as Chase Bank is FDIC insured. 

I said I would settle the debt as I was fearful that I would have legal action taken. I asked the company to send me everything we discussed in writing and they said they would email me the information within 30 minutes and if I didn't respond by end of day the deal would be off and they would pursue the lawsuit. 

After we hung up I reached out to an attorney and they advised me to get more information before providing any payment as things did not sound legal. 

After 2 hours I still had not received an email so I called the company back and requested more information and notified them I haven't received the email. 

After looking at my credit report for the past few copies I had I could not locate anything about a Chase credit card and I did recall the credit card so I asked for verification of the debt. 

The woman on the phone, XXXX XXXX, told me that she had me recorded stating that it was my debt and I was going to pay it. I told her that I need more information in writing before I'm comfortable providing payment. I told her she had not told me previously that I was being recorded and that I was questioning the validity of the debt as I couldn't locate information on it. She told me I should have known I was being recorded. 

I asked her if I was being recorded now and she said no. I asked her to record me as I was stating important information about the matter at hand. She became angry, told me the deal was off the table and they would be sueing me. I simply asked for more information and verification of the debt in question. 

I can't find anything on the business, address or phone number she provided. 

XXXX XXXX is name of company that they gave me. Elite Processing is name given to my father. 

Phone number - XXXX Lawyer - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Georgia XXXX A law office came up at that address. I called and they told me they get multiple calls regarding this company and appears to be a scam.

Company response to consumer: Closed with explanation