Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a call on XX/XX/XXXX from XXXX that I was going to be served at home or at my employer because of case filed against me, unless I called XXXX to resolve. When I called this number I was not read a collections disclosure, but I was told I needed to pay {$2000.00} to resolve a debt from XXXX for a Chase credit card or I would be sued and my wages would be garnished. I was caught in a vulnerable moment while with my young daughter in the parking lot before going into a store and panicked and paid it, but I do not believe this company is legit. He said his name was XXXX XXXX with XXXX XXXX XXXX  but I cant find information on this company online anywhere. He said they obtained the information from XXXX XXXX  but the only info I can find on XXXX XXXX online Ive called and they show no record of me in their system. Chase bank showed this debt in XXXX transferred to XXXX XXXX XXXX but they went out of business ( according to what I see online ) in XXXX. I have called the number on my bank statement that I used to pay the XXXX ( which shows XXXX XXXX XXXXXXXX ) and I cant get through to anyone, no matter how long I hold or if I request a call back, no one does. Ive received letters via Dropbox via email from XXXX XXXX XXXX but the XXXX of operations who has signed them has changed from XXXX XXXX to XXXXXXXX XXXX and it appears these letters are being generated just to try to satisfy whatever Im asking for as I question the legitimacy of this company. XXXX XXXX said there wasnt enough time to mail me a new letter ( the original letter they supposedly sent me in XXXX I never received, stating theyd settle my {$4000.00} something balance for {$2000.00} ) and that he didnt know the exact date it was sent. Then I demanded a copy of the letter and he said hed have to request it, and I got it a few hours later with XX/XX/XXXX as the date. I know I never received this in the mail. There are inconsistencies on the letter and I believe this company is fake. The address they have on their letter is actually a post office. At one point I called and questioned this and someone else named XXXX said he could refund me but it would be 30 days to do so, then Id be sued and wages garnished. Then I said yes please refund me, and he said actually it will be 2 months and good luck in court and hung up on me. Then XXXX called me back trying to reassure me everything was fine and that hed been working there 10 years and doesnt know why they dont have information listed online because hes never looked. He originally said that this demand letter was sent by XXXX XXXX but then stumbled over his words and says it was sent by them ( XXXX XXXX XXXX ) but my bank statement shows XXXX XXXX. At one point he also slipped and said something like XXXX XXXX coast but when I questioned that, he said oh that must be the carrier? When he finally sent me the copy of the supposed debt settlement letter, there are misspellings and inconsistencies. I dont think I owed this debt nor can I seem to find a way to prove they had rights to this even if it was valid, or that theyre a real company. Everything I read online says this was a scam.

Company response to consumer: Closed with explanation