Consumer complaint received 2016-04-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
In XX/XX/XXXX & XX/XX/XXXX I experienced difficult times financially ( XXXX % reduction in income ) and ultimately filed Bankruptcy. In XXXX XXXX I filed BK-XXXX and one of the items discharged was a Chase Card # XXXX for {$4900.00}. Chase had went to Superior Court XXXX/XXXX/XXXX ( prior to my BK filing ) and received a Judgment for the same Chase Card # XXXX for {$4900.00}. Docket number was XXXX. My BK-XXXX ( 60 months of payments ) was completed in XXXX XXXX, when my BKXXXX was fully discharged. Chase reported the individual line item for account # XXXX on my credit report as included in the wage earner plan of BK. Chase never Vacated or Suppressed the Judgment for {$4900.00} which was for the same Chase card. I have called multiple times and spoke with the legal department of Chase and rudely told they already did what they were required to do and can not help me. I explained to the legal department of Chase that I was right in the middle of purchasing a home and the mortgage lender is requiring the Chase Judgment to be paid in escrow. The legal department of Chase told me that if they received the {$4900.00} from escrow for the judgment that they would consider this as me reaffirming the debt that was already discharged in BK. I let them know this is NOT my intention. On XXXX XXXX I emailed XXXX XXXX, the CEO of Chase and also the Executive Offices of Chase to get help. I was contacted by Chase the next day and after many phone calls and ultimately me asking to speak with a Supervisor I felt they this matter would be resolved. The Supervisor told me that they were not pursuing this debt and that their records show it was included in BK-XXXX. However, Chase would not provide a legal document that could be recorded to vacate the Judgment that still shows active on my credit report. On XXXX XXXX, I received a fax from XXXX XXXX, Managing Director with Chase ( letter attached ) that states they are not pursuing collection of the debt. The problem is that this does not get the Judgment cleared on my credit report. I took off work this morning and went to the Superior Court of XXXX XXXX County Office in XXXX and they told me that unless Chase files the necessary paperwork to vacate the Chase Judgment the money is still owed and collectible. Unfortunately, I need to close escrow on my home purchase in two business days and the mortgage lender is requiring me to pay the {$4900.00} and they have instructed XXXX XXXX XXXX to pay the money directly to Chase bank for the Judgment. Even though Chase states they are not pursuing collection of the debt that was included in Bankruptcy they in fact are by not vacating the Judgment. How can I get Chase to reimburse me for the {$4900.00} and vacate the judgment? I do not have the extra money to cover the {$4900.00} now and have to borrow from family in order to close escrow on my home purchase. This has turned what should be a special time for me into a very difficult time XXXX and making me XXXX. Please let me know what recourse I have with Chase and I believe it is important for them not to do this to anyone else.

Company response to consumer: Closed with explanation