Date Received: 2017-05-23T00:00:00
Product: Credit card debt
Issue: Attempts to collect debt not owed
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: I had a credit card with Chase with a date o f last activity i n 2012 and a Chapter XXXX bankruptcy discharge. Today I received a letter stating that Chase was still charging my account late fees and interest. I called the number on the letter and was told that I had to call their ” recovery ” department ” to find out why they are doing this and to get them to remove it. ” I explained that this debt was discharged in bankruptcy and therefore there is no account or balance they can charge. The person on the phone acted confused, then agreed that her records showed this. Nevertheless she refused to tell me what Chase is up to, why they are still trying to collect a discharged debt and refused to resolve the issue. I told her I would not be making any more phone calls to ” find out why ” Chase is deliberately breaking the law and would be filing a complaint.
Company: JPMORGAN CHASE & CO.
State/Zip: WA 981XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 2491356
The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.
Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.
In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.