Debt collection -- Communication tactics -- Complaint #8414343
Complaint Overview
Complaint ID: 8414343
Company: Jpmorgan Chase & Co.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Communication tactics
Sub-Issue: Used obscene, profane, or other abusive language
State: Colorado
ZIP Code: 80631
Date Received: 2024-02-24T12:00:00-05:00
Date Sent to Company: 2024-02-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
A collector at XXXX XXXX lied to me and said that I absolutely had to make a payment when they demanded it be paid. I called XXXX XXXX in XX/XX/year> to begin a payment plan that month. But I called them again prior to the XX/XX/year> due date as I needed the plan to begin on XX/XX/year> instead. The same collector said I was not allowed to do that and that I was required to begin paying in XXXX. I was intimidated into complying to his demand and was told to make a payment by the end of XXXX at the latest ( and continue to pay each month thereafter ), regardless of the fact that XXXX Services does not even own the account. I have since paid them each month in good faith, but only because I was daunted and lied to. I would have filed this complaint/dispute sooner had I known that it is illegal for XXXX to intimidate and/or lie to consumers. I was told that was obligated to start paying on the month of their choice. There was not, and still is not, a written notice, agreement, nor policy signed stating that I was required to pay them ( for an account they do not even own ) as soon as they said I must. XXXX XXXXs used intimidation and deception so that I would believe I had no right to decline their terms.
Frequently Asked Questions
What is Complaint #8414343 about?
Complaint #8414343 was filed against Jpmorgan Chase & Co. regarding Debt collection specifically about Communication tactics. It was received by the CFPB on 2024-02-24T12:00:00-05:00.
How did Jpmorgan Chase & Co. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Jpmorgan Chase & Co.?
Yes, visit the Jpmorgan Chase & Co. company profile at readthecomplaint.com/company/jpmorgan-chase-co to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.