In some instances, banks themselves may be responsible for introducing errors into delinquent account files. American Banker reported last March that the Office of the Comptroller of the Currency had ordered JPMorgan to halt credit card litigation following revelations that account records contained errors, internal computer systems generated inconsistent debt balances and the work of outside attorneys involved numerous quality control failures. Some accounts the bank sold to debt collectors were so unreliable that JPMorgan Chase employees referred to them internally as "toxic waste," current and former employees said.