Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding the handling of my debt settlement case under the XXXX XXXX debt consolidation program and the actions of their assigned attorney, XXXX XXXX XXXX XXXX, XXXX. 

I enrolled in XXXX XXXX program under the impression that they and their assigned counsel would communicate clearly with me, provide all necessary details to make informed settlement decisions, and keep me updated on case progress. This has not happened. 

When I requested detailed settlement terms from attorney XXXX XXXX of XXXX XXXX XXXX as total payment amount, schedule, escrow usage, and legal consequencesI was told to simply select an option before being given the full details. I asked again for clarification, but it has now been 11 days with no response from XXXX XXXX. 

In addition, XXXX XXXX XXXX has little to no accessible means of contact beyond a single email address and limited staff access. This creates a barrier to communication that has left me unable to get timely updates or essential case information. 

Additional context : I have been informed that Chase JPMorgan, the creditor involved, has stated they can not provide my attorney, XXXX XXXX, with the detailed settlement information I have requested. This lack of cooperation from Chase JPMorgan has further obstructed my ability to understand and evaluate my settlement options. 

More importantly, Chase JPMorgan has filed a lawsuit against me without my knowledge and despite my being enrolled in XXXX XXXX debt consolidation program intended to manage and resolve such debts. I was never notified of this legal action until after the suit was filed. 

Despite these issues, I believe XXXX XXXX and XXXX XXXX XXXX XXXX have a duty to ensure they receive all necessary information from creditors and communicate it to me in a timely manner. 

This conduct raises the following concerns : 1. Lack of transparency : Refusing to disclose all settlement terms before I commit is unreasonable and prevents informed decision-making.

2. Delayed and inadequate communication : Eleven days have passed without a response to my follow-up request for details. 
3. Barriers to access : XXXX XXXX XXXX provides minimal contact options and does not respond promptly to inquiries. 
4. Possible FDCPA violation : The Fair Debt Collection Practices Act prohibits deceptive practices, which includes withholding material settlement details.

5. Basic contract law concern : I can not be forced to agree to terms I have not seen, yet I am being pressured to do so.

6. Failure to notify : Chase JPMorgan filed a lawsuit against me without any prior notice or coordination with XXXX XXXX or myself, despite my active participation in a debt management program. 

These actions have placed me at a severe disadvantage in my ongoing legal matter and have deprived me of the ability to make informed decisions about my financial and legal future. 

I request that the CFPB investigate : Whether XXXX XXXX and XXXX XXXX XXXX practices violate the FDCPA or other applicable laws. 
Whether they are engaging in deceptive or unfair practices by withholding material settlement details and making it difficult to contact them. 
Whether Chase JPMorgans filing of suit without notice violates applicable debt collection laws and contributed to the failure to manage my debt properly. 

I can provide all email records, program agreements, and related documentation upon request. 

Sincerely, XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation