Consumer complaint received 2022-08-04
Company: JPMORGAN CHASE & CO.
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/22, I received a restricted number, which I do not answer. The same number called and left a message on my husband 's cell phone stating, " This message is being left for XXXX XXXX or XXXX or whichever, this is XXXX XXXX I am calling in reference to a civil complaint being filed through the county by XXXX XXXXXXXX XXXX XXXXXXXX. I'm also calling concerning the property in your name XXXX, and um it would be the one off XXXX XXXX XXXX which is associated with this place of employment, uh the number to call back is ( XXXX ) XXXX referencing the file XXXX. '' Upon calling this number and providing the file number to the woman who answered the phone, I was transferred to another woman who said she was Attorney XXXX XXXX at ext. XXXX. She stated there was a lien against my property and that the original debt was from Chase Bank/Washington Mutual . She would not provide me ANY details of the lien case number or her information. She stated she did not have to provide me with anything and would not provide it until the debt was paid. She said I owed {$11000.00}, but that I could be offered a hardship settlement. I told her I would need that. She put me on hold and then came back and said she would be able to clear the debt for {$5700.00}. I asked for time to see if I could get that kind of money and she was very aggressive stating that if I dont want to pay that is fine then they will just lien my home. I told her I never said I wasnt going to pay it, I just needed like 30 minutes to see if I could raise that kind of money. She said that was fine and told me to call back to pay otherwise the lien would remain. I then asked how they were going to remove the lien if I paid and she said well, the lien hasnt yet been filed, but we will send to the district attorney 's office if you dont pay. I asked for an email to validate the debt and she again stated that she does not have to provide me anything until the debt is paid. 

In reviewing the information she provided the phone number comes back to an XXXX XXXX in XXXX, FL. I did a XXXX  search for the company XXXX XXXXXXXX XXXX XXXXXXXX and there is no website. I searched XXXX XXXX attorney and nothing came up. When the check processed on XX/XX/22, it came back as paid to XXXX XXXX XXXX. Once the payment paid, I called my bank and closed the account, so they would not be able to draft any additional funds from me. 

I called and left a message on XX/XX/22 at XXXX to advise them that the payment was drafted from my account. I received phone calls on XX/XX/22 at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was driving my son to school, so I called back and spoke to " XXXX '' who wanted to call and verify the payment was drafted with my bank. So, we did. She stated that she would send me and email with a XXXX balance letter and as of XXXX that has not happened. When I called back to find out if the email was sent, I was told the girl who handles it is not in at the moment, but would send it as soon as she is in. Additionally, they promised a XXXX balance letter will be overnighted to me and supposedly, that will not happen until Monday. 

I am reporting because I believe the time for filing on this charged off debt was uncollectible, as the statute of limitations has expired because the debt was from around XXXX. Additionally, they impersonated a law office and lawyer to which there is no evidence that either the business or attorney even exist. I am concerned that they will continue scamming people out of money. This is in direct violation of the Fair Debt Collection Practices Act, section 807 ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action & ( 14 ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization.

Company response to consumer: Closed with explanation