Debt collection -- False statements or representation -- Complaint #5913314

Complaint Overview

Complaint ID: 5913314

Company: Jpmorgan Chase & Co.

Product: Debt collection

Sub-Product: Credit card debt

Issue: False statements or representation

Sub-Issue: Attempted to collect wrong amount

State: Illinois

ZIP Code: 60643

Date Received: 2022-08-24T12:00:00-05:00

Date Sent to Company: 2022-08-24T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I begin the debt snowball technique to repay a handful past due creditors, because I overextended myself financially. Chase bank is one of nine creditors that I have personally committed to repaying. Chase bank and another creditor are the last two credit cards left. Chase Bank received payments before I was served a summons by XXXX XXXX XXXX. I was surprised to receive a lawsuit in the mail. I rendered payments to Chase bank to satisfy my debt. In the midst of a series of payments to Chase Bank. XXXX XXXX XXXX, a debt collector, served lawsuit paperwork on or about XX/XX/XXXX for {$7600.00}. In a complaint filed with CFBP on XX/XX/XXXX XXXX XXXX XXXX acknowledged that I sent payments for the debt. I mailed a letter to XXXX XXXX XXXX dated XX/XX/XXXX disputing the debt with them and asked them to refrain from contacting me. In response to my letter to XXXX XXXX XXXX- a debt collector, Chase Bank mails a letter confirming the amount owed as {$7400.00} on XX/XX/XXXX. Nevertheless, XXXX XXXX XXXX, a debt collector, has continued to pursue the lawsuit for the misrepresented amount of {$7600.00} after I disputed the debt in a timely manner and has made no attempts to update the misrepresentation with the court. My attorney has also informed XXXX XXXX XXXX, a debt collector, of the misrepresented amount. Each time XXXX XXXX XXXX, a debt collector, appeared in court, I informed the judge that I was being harassed by unfair debt collection practices. In court I acknowledged to the judge that I owe Chase bank and intend to pay, however ; the amount of {$7600.00} is a misrepresentation of the amount owed. If XXXX XXXX XXXX, a debt collector, is representing Chase Bank, it is their responsibility to validate the debt with the dates and amounts of payments according to the law. This situation has caused a tremendous amount of stress and sleepless night. Additionally, this could possibly jeopardize my ability to become a XXXX XXXX XXXX. The XXXX XXXX disapproves of bankruptcies which I am considering yet have never filed for bankruptcy. This is not an oversight or a clerical error. It is blatant alleged harassment. I request {$480000.00} in damages of {$1000.00} for each occurrence of XXXX XXXX XXXX, a debt collector violating the Fair Debt Collection Practices Act by filing a lawsuit, serving a summons, failing to update the misrepresented lawsuit or dismissing the misrepresented lawsuit to the court. The dates and actions are as follows : Notice Filed ( 1 day ) XX/XX/XXXX Summons Filed ( 1 day ) XX/XX/XXXX Summons Service ( 1 day ) XX/XX/XXXX Court Appearance ( 3 days ) - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Failure to Correct Misrepresentation ( 475 days ) XX/XX/XXXX thru XX/XX/XXXX XXXX

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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