Consumer complaint received 2016-09-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Around the XXXX, I was sued by XXXX a subsidiary of XXXX, for the unpaid Chase Bank USA , NA, debt which was jointly incurred by my former husband and I but was in my name. Before XXXX filed a lawsuit, I attempted to settle the matter with them explaining that I was going through difficult divorce, financial hardship and health issues. XXXX did not care about any of this and filed a lawsuit anyway. After XXXX hearings, I felt XXXX took advantage of me since I could not afford an attorney and I was XXXX XXXX at that time. XXXX literally got me to accept their full terms and give them a first payment before I even had a chance to review their proposed paper work. I also learned recently that XXXX took my first payment before it even prepared my settlement agreement and filed a conditional settlement notice with the Court. Additionally, XXXX failed to comply with California Rule of Court XXXX by failing to immediately alert the Court regarding the settlement. 
Around the second part of XXXX XXXX, my consultant XXXX XXXX XXXX and I reached a final agreement with XXXX to settle the outstanding balance. We indicated, both verbally and via email, that our intention was to make an immediate payment in exchange for a prompt dismissal of the pending litigation. XXXX attorney XXXX XXXX XXXX agreed to these terms in her XXXX XXXX, XXXX, settlement offer letter and the following correspondence. 
After XXXX XXXX contacted XXXX XXXX ' office 45 days after the settlement pursuant to California Rule of Court 3.1385, she stated to him that the dismissal was filed and she was waiting on the Court to dismiss the case. XXXX XXXX followed up with XXXX XXXX few days later and her answer was still the same. At that time, we contacted the Court directly and learned that no dismissal paper work was filed. XXXX XXXX lied to us and her untruthfulness was later confirmed by her attempting to backdate the dismissal a copy of which we have on our file. 
As a part of XXXX and XXXX XXXX ' untruthfulness, their negligent actions and their failure to comply with California Rules Of Court 3.1385 to timely dismiss the Court case, XXXX XXXX and I had to expend additional time and resources to work on the settlement reimbursement with my former spouse. When we brought the late filing issue to the attention of XXXX and XXXX XXXX, she threatened to go after me for the balance discharged as a part of the settlement. 
In good faith, I had made timely payments to comply with the settlement terms and yet, once XXXX received my final payment, it reneged on the terms of its own settlement letter. Furthermore, XXXX failed to comply with California Rules Of Court and later attempted to cover up its negligent actions. I truly hope that your office conducts its own objective investigation in this matter to prevent XXXX from harming consumers who, in good faith, comply with their settlements with XXXX while XXXX feels entitled to renege causing consumers to incur additional expenses.

Company response to consumer: Closed with explanation