A lawsuit filed in April of 2013 under the Florida Consumer Collection Practices Act in Seminole County, Florida, alleges that a representative of JPMorgan Chase & Co., was observed photographing the Plaintiff's home, taking notes and then attaching a collection notice to her front door. Too exacerbate the situation, the JPMorgan Chase & Co. representative was observed by the Plaintiff's son. The note said: "IMPORTANT - PLEASE CALL JPMorgan Chase & Co. - "WE ARE EXPECTING YOUR CALL TODAY."
The Complaint goes on to allege that the homeowner had no mortgage or other loan with JPMorgan Chase & Co.
The Florida Consumer Collection Practices Act makes it unlawful for any person, in attempting to collect a debt, to: "Claim, attempt, or threaten to enforce a debt when such person knows that the debt is not legitimate, or assert the existence of some other legal right when such person knows that the right does not exist."
The lawsuit relies, in part, on the "least-sophisticated consumer standard" which has at its purpose to expand the consumer protections originally provided by the Federal Trade Commission Act and to ensure that the consumer collection practices laws protect the gullible as well as the shrewd.
Plaintiff is seeking statutory and emotional damages against JPMorgan Chase & Co. and has demanded a trial by jury.
[The allegations in the Fair Debt Collection Practices Act lawsuit described in this article the plaintiff’s version of the facts and must be proven with competent evidence. Moreover, these allegations may be denied or disproven by the defendants.]
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