Consumer complaint received 2023-03-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
JPMorgan Chase Bank sent my credit card information to XXXX XXXX XXXX who who served me with a small claims citation at my home through a private server who did not even ask for my signature or obtain any verification of the date/time I was served ( XXXX XXXX XXXX approx. XXXX ). The claim stated that I owed XXXX and that my card had a limit of XXXX. I thought it was a scam, as my card never had a limit beyond a few thousand dollars and the last time I used it was for a family vacation in XXXX and we had since paid it off and not used it again. I attempted to contact Chase to report my card as lost or stolen but the automated message said to call back during business hours XXXX XXXX XXXX XXXX ). I called XXXX XXXX XXXX  and Chase told me they could not speak to me as the debt had been turned over to XXXX XXXX XXXX. I explained I had not used the card since XXXX and believed it to have been paid off and said I wanted to report fraud, as well as the credit limit appeared to be well beyond anything I qualified for and they again refused to provide any information. I was advised to call XXXX XXXX XXXX. I called them XXXX XXXX XXXX as well, and they also refused to give me any information. They said I had to go to court. I asked them how I could present in court with no idea what these charges were or when they were incurred. They said I could request the info but that by law they had up to 30 days to respond in writing and mail their response to me. I asked how they could have up to 30 days to respond when I had only 14 days to present in court from the time I was served. They just reiterated they had 30 days. I asked if I could have an email or something in writing stating that I requested my information and they said no, they could only provide verbal confirmation. So on XXXX XX/XX/XXXX I printed out my response as a defendant stating there is a defect of parties, plaintiff, or defendant ( I am not the person who incurred the debt or who placed charges on the account ) as that seemed the best of the optional responses. I submitted this at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Texas. I also mailed a certified letter including a copy of my plea to the attorney identifies as the plaintiffs attorney, XXXX XXXX XXXX XXXX XXXX Texas. 
I have yet to receive any information regarding what charges were made, when they were made, or why/how the credit limit was drastically raised. At no time did I receive any email or postal mail notification of any type of debt, of Chase or any collection agency attempting to collect on a debt, or any notification of my account being closed. The first correspondence I had was being served at my home and I am very upset, having no idea what this is in regards to. I appreciate any assistance in trying to resolve this matter and discover who in fact made fraudulent charges on my card.

Company response to consumer: Closed with explanation