Consumer complaint received 2017-10-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: JPMORGAN CHASE & CO. (VA)

XXXX XXXX : I received a voicemail from ( XXXX ) XXXX at XXXX XXXX that stated : " Hi this message is for XXXX XXXX XXXX My name is XXXX and I am calling from XXXX XXXX XXXX XXXX have been contracted to mail out certified documentations to your residence. These documents will be getting delivered during the hours of XXXX to XXXX. If you will not be available and you would like to reschedule or if you would like any further information either yourself or your representative can call the filing firm at XXXX XXXX XXXX XXXX and you will need to reference your case number and the number is XXXX. Thank you have a great day. 

I called at XXXX the number XXXX XXXX XXXX XXXX and and individual by the name of XXXX XXXX XXXX who had a female voice ) from XXXX XXXX XXXX and that this call was being recorded. She asked me what my reference file number was and looked up the account. She then proceeded to verify my identity by asking for my social security number and birthdate and attempted to verify that I was employed by XXXX XXXX XXXX ( a LLC business that I had owned for a short period but have always been a federal government employee ) She explained that I would be receiving a warrant and summons for an at my place of employment for an outstanding debt with JP Morgan Chase for a credit card amount. I did not, at first, capture the amount of the alleged debt, but I did ask for more information. She provided a contact number XXXX XXXX XXXX XXXX and stated that the XXXX credit card account was opening in XXXX with the account # XXXX XXXX XXXX XXXX. I started to asked questions regarding the validity of the debt and stated that I did not recall ever opening an account with JP Morgan Chase. She stated that I could look into it and that she would request that JP Morgan provide signature documents so that she could send them to me if I wanted to dispute the debt. I ended the call and immediately called the number provided for JP Morgan Chase.
JP Morgan ChasXXXX asked for my credit card information, which I stated. They repeatedly stated that it is an invalid account number and that they have no record of any debt that had existed with my name. They searched via account #, social security number, birthdate and accounts which I would be a primary card holder as well as an authorized user and no records were ever returned. 

At XXXX pm I called back XXXX XXXX XXXX to gather more information. I spoke with an individual named XXXX XXXX after XXXX XXXX XXXX Female voice again XXXX transferred me to him. XXXX advised that he understands that I am disputing the debt and that there is nothing further he can provide at this time. I continued to ask additional questions regarding where his office was located. He stated XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. I continued to ask additional questions regarding the debt which he stated the account was opened on XXXX XXXX, XXXX and there were proper payments until XXXX and the debt was charged off in XXXX. He stated the total debt was {$2600.00}. I asked what was the principal amount that was charged off which he stated that {$2000.00} and that {$650.00} was interest, penalty and fees. I asked when XXXX XXXX XXXX received/acquired the debt in which he could not provide a date but stated that it has come to his department last week. I asked for the specific date that the notification came to his department which he stated XXXX XXXX, XXXX. I continued to ask further questions regarding how long would it take to receive a response regarding the validity of the debt and if I could prepay the owed amount and if the debt was not valid, I would receive my money back. He became increasingly agitated by my call and probing questions and hung up on me saying that I will receive my notification and can further address my issue then. 

I called back and tried to get more information in which I continued to get responses that my account is on hold pending additional verification of the validity of the debt but I should receive legal paperwork soon. I also asked about what business I was talking to. The latest was I called into a call center called the XXXX XXXX and they were just a filing center. 

I would like some assistance in determining the validity of this debt collector and how I should proceed.