Consumer complaint received 2017-05-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
On  XX/XX/2016    I received a call from dad stating that he received a call from a collection company named  XXXX   XXXX   XXXX , and that if I did not call them back that a judgement against me would seize my bank accounts. Called said company back and was told that if I did not enter into an agreement to pay off a debt I owed to  XXXX   XXXX , they would go forward with the judgement that was passed against me in Texa s. Thought it  was weird but the debt was so old I could not remember if I actually ever had a debt with that bank. So I started an agreement to pay  XXXX  on the  XXXX  of every month. Gave t he Rep nam ed  XXXX  my debit card info, and she stated that a notice would be sent to me for the amount owed. Had a lot going on at that point, my wife was going through  XXXX , we were paying on an actual debt I owed to the IRS, so it never occurred to me to look up what my rights were or if this debt was even real, or the company for that matter. So  XXXX  was being taken from our account on the  XXXX  of every month, with the threat that if we miss a payment, we would have to pay the full amount of the debt, which was far more than the agreement we came to. Not sure what the original amount was or the agreement amount, as the email statements that they sent me have no real info in them. Only now do I realiz e I may ha ve been scammed as our bank account info changed, and when I tried to contact  XXXX   XXXX   XXXX  all the phone numbers they gave were disconnected. I was eventually able to get ahold of someone from the number they contact me from every month let me know that the payment is coming out. The woman who answered the phone was named  XXXX , would give a last name or any identification number. When I asked if I could get the debt that I owe sent to me in writing, she stated she would have to talk to her supervisor, the call was then disconnected. A minute later I received a call from a new number from a man calling himself  XXXX , he claimed to be  XXXX  's supervisor, I then asked him for the proof in writing and he told me that the file was lost as the woman who originally had it,  XXXX , no longer worked there. I then asked if my statements could be mailed to me, instead of emailed. He said yes, and read back my old address, I informed him I had moved, which he acknowledged. He then said my statements would now be mailed, but never asked for my new address, I then asked to speak to  XXXX  again, he then ended the call. I then contacte d Chase Manhattan de bt collection line, and talked to a  Rep w ho could find no info of me ever having an account or credit card with their bank. He stated it could of been for a co signing of a loan or credit card, which I informed him, I have never done. I then called the police and had a report taken, filed a complaint with the FTC and am now filing this complaint. All info about  XXXX   XXXX   XXXX  is as follows.   Name :  XXXX   XXXX   XXXX   Address:  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   ,  CA  XXXX  Telepho ne # 's:  XXXX , disconnected.  XXXX ,  XXXX .  XXXX ,  XXXX  the Supervisor Also attached are the latest monthly statements that were sent, no info on them.

Company response to consumer: Closed with explanation