Consumer complaint received 2021-06-08
Company: JPMORGAN CHASE & CO.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I got yet another harassing phone call from Chase today in retaliation for filing a complaint and refusing to withdraw it. 
Since the day after I filed a CFPB complaint against Chase Bank for separate issue, I have been harassed, bullied, lied to, shouted at, hung up on, with calls, letters, and in-person including just about every illegal tactic listed on the CFPB site. 
Lately, the tactic is : 1 ) I get an early morning incoming phone call. 
2 ) I'm clearly told the call an attempt to collect a debt. 
3 ) I insist my debt has been paid and I ask the rep to feel free to place me on hold as long as needed to verify it. 
4 ) Rep claims I never paid or spoke to that specific rep personally and so Chase limits their options. I offer to pay in full anyway to avoid further fees ( assuming the person at the Chase executive office who acknowledged Chase 's error and promised me they would personally take care of the issue, was going to eventually fulfill their own commitment ). 
*I know I will be paying more money than I owe Chase in the short term, but in order to prevent fees/interest from piling up in the meantime, I make repeated offers to pay in full and will figure it our when the Executive office is open. In the meantime, Chase continues to retaliate on a near daily basis by tacking more mystery debt on my card and reporting non-existent delinquencies to the credit agencies. 
The retaliation has not stopped there ; this morning, I open a letter from Chase stating that they have twice made a credit inquiry without my permission and were letting me know my score had dropped as a result and Chase had reported the credit line increase requests ( and subsequent denials ) to the same credit reporting agencies. I made it abundantly clear to Chase, no less than 50 times on multiple recorded calls, that I did not give Chase my permission to run my credit for a credit line increase request. Against my expressed permission, Chase reported not one but two inquiries, lowering my score even further, making credit from any of Chase 's competitors nearly impossible -- and as much was threatened to me early on. 
Twice on recorded calls I have spoken with both a representative from Chase and a supervisor from Chase and by the end of each call, each one had looked closer at my situation and has made it a point to make sure I was aware that I do not owe Chase any money and that " my debt is clear '' or " my debt is paid in full '' or " my debt is XXXX ''. Yet after the collections department clears my debt and confirms my XXXX  balance before hanging up the phone, some other department ( I can only assume the executive offices can override their own departments ), adds to the previous amount and puts the debt back on my account. 
Chase is already holding {$5000.00} of my money with some " special hold '' ( Chase 's words ) they claim is needed to verify funds, but it has been over a month and Chase has not released a dime of my money ( either by deposit or cash ), yet the issuing bank claims it shows fully processed on their end and Chase marked the back of my check as processed. 
This is all in retaliation for a complaint that Chase identified their own system glitch and has refused to make it right as they promised. Every time Chase retaliates, I am forced to file another complaint and depending on what they do to me, my complaint gets routed to various regulators and Chase just ramps up the retaliation with each complaint/regulator added to this.

Company response to consumer: Closed with explanation