Consumer complaint received 2020-07-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2020, I sold a vehicle that was leased through Chase Auto Finance. I called the bank on XX/XX/2020 to report the sale of the vehicle, without exception. On XX/XX/2020, it was noted that the auto account was still appearing on my Chase account profile, so I phoned the bank, again, to investigate this inaccurate information. The Chase representative informed me that " these things take time '' to clear from account profile and there was no cause for alarm, because " it will self resolve in a few days ''. On XX/XX/2020, at XXXX PST, I received a hostile and threatening call from Chase Auto Finance, XXXX department. On this call, I was told that my payment was due on XX/XX/2020, regardless of the fact that the car had been sold. I was threatened with derogatory markings on my credit report due to this nonpayment, on a car that was sold. 

I inquired with the dealership, to whom I had entered into a sales agreement with the vehicle and noted that they had issued a check on XX/XX/2020 and mailed it to the correct address, with tracking. 

I reported this information back to Chase. They tracked the check, acknowledged that the pay off check was received by their processing center, but they were unable to locate the check (!!!! ) due to the XXXX, XXXX. They continued that since they could not locate the check, they would still pursue me for payment and take all actions to collect these monies. 

At this point, I intervened to request that the dealership cancel the initial check, re-issue and new check for the same amount and send it with overnight delivery. The dealership absorbed these expenses and a new check was mailed on XX/XX/2020 and tracked to receipt by Chase bank on XX/XX/2020. I spoke with a Chase representative who advised that no further action was required on my behalf as the check would be applied to my account within " XXXX hours ''. 

On XX/XX/2020, I received another hostile, unprofessional and threatening call from Chase Auto Finance XXXX. I was again threatened with derogatory marks on " all three reporting agencies '', regardless of the extensive notes on the account and Chase bank 's acknowledgement that their operations are in " shambles '' due to the COVID, XXXX. They threatened by home, my job and my well being by threatening to place a negative mark on my credit reports. I was told that if I were to give them {$450.00}, the collection effort would be stopped and, after the check was located by Chase bank, the amount would be credited back to my account via check. 

XX/XX/2020, at XXXX PST, I received a phone call from Chase demanding yet ANOTHER payment. They are still continuing to claim that they have not been able to find the XXXX check and accusing me of sending them an " empty envelope ''. The dealership has provided proof of payment and tracking, TWICE ... .yet Chase refuses to apply the payment, acknowledge the overpayment and are demanding an additional {$450.00}. 

This is FRAUD ... .straight up CONSUMER FRAUD.

Company response to consumer: Closed with explanation