Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I am writing to express my grave concern and distress over the conduct and practices reportedly exercised by personnel representing XXXX XXXX XXXX XXXX XXXX XXXX in connection with the management of my Chase Bank accounts. The events described raise serious questions about ethical standards and compliance with applicable consumer protection and financial services laws, including potential implications under the Dodd-Frank Act. 

Summary of the distressing situation : Chase Bank directed that XXXX XXXX XXXX be contracted to negotiate and manage the debts on two Chase credit cards. Chase Bank elected not to work with XXXX XXXX XXXX. I was subsequently advised by Chase Credit Card Services that my account was being managed by XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXXXXXX XXXX 
Repeated attempts to communicate have been thwarted by disconnections each time I sought clarifications or responses, leaving me without a reliable means of addressing the status of my accounts. 
The processors assigned by XXXX and XXXX purportedly tasked with delivering lawsuits were described as rude, abusive, and harassing toward my family member, XXXX XXXX. He was informed that his responses would not be accepted, and the harassment persisted. 
I perceive these actions as unethical, inappropriate, and disparaging in nature, reflecting a troubling pattern of intimidating conduct intended to pressure settlement or compliance rather than resolve disputes in a lawful and fair manner. 

Legal concerns and potential violations : The described harassment and abusive treatment by representatives of a law firm engaged in debt collection activities may implicate state and federal regulations governing fair debt collection practices, including the Fair Debt Collection Practices Act ( FDCPA ). If the actions of the firms processors constitute harassment, misrepresentation, or coercive behavior toward a debtor or a family member, they may raise significant compliance issues. 
The involvement of a national banks debt resolution contractor ( XXXX XXXX XXXX ), the subsequent designation of XXXX and XXXX as the responsible firm, and the handling of communications could implicate procedures under the Dodd-Frank Act when considering issues of improper debt collection practices, transparency, and consumer protection. 
The persistent discharge of communications through disconnected calls and the failure to acknowledge or respond to direct inquiries may reflect violations of due process and the obligation to provide clear, accurate information regarding debt status and litigation notices. 

Requests for remedy and redress : Given the alleged pestering, distress, and improper conduct, I respectfully request a thorough investigation into the practices of XXXX XXXX XXXX XXXX XXXX XXXX in this matter, including verification of the legitimacy of their authority to act on behalf of Chase regarding these debts.

Company response to consumer: Closed with explanation