JPMorgan Chase Credit Card

Review: I was opening a new checking account and the guy helping me [redacted], told me I was pre approved for a credit card with a promotion of $200 if I spent $500 within 3 months of opening this account in May. I was denied for the card but when I came back in August he said I was still approved for the card with the same terms of getting $200 if I spent $500 in 3 months so I said ok ill do it. I got approved for the card and made my purchases of $500 within a week, I called customer service and asked what was next and the woman told me that I was only getting $100 not $200. So I called back the same guy, [redacted] and asked him why was I only getting $100 when he told me I would be getting $200 and he said that promotion is not valid anymore and I told him he told me it was still a valid promotion when he wanted me to sign up for the card and that is the reason I got the card because I was getting $200. He told me he would talk to his manager to see if he could make an exception and he would call back in a week. He never called back so I called him 2 weeks later and asked why hasn't he called and then he told me Im still waiting on your approval but we will send you a letter in the mail in 30 days with your answer. It is now November and I still have yet to receive a letter in the mail from this company, I was suppose to get $200 because your banking associate said that was my promotion deal still and now he is giving me the run around. When I went into the branch shortly after that conversation he immediately went to the back to avoid me. I had called twice but when I asked for him they say he is not there and they leave a message on his desk. I need a answer, he said I was suppose to get it but now hasn't submitted any information to me about my problemDesired Settlement: I would like a $100 credit to my chase account

Business

Response:

This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on November 18, 2014. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

Review: I transferred some money using my Chase Credit Card through Western Union. Liking the option as there was no transaction fee taken by Western Union and assuming that it would be a normal charge to my Credit Card account. What they ended up doing was that they considered it as Cash advance and thus charged Cash advance fee and a huge interest on Cash advance money.

I called their customer support ([redacted]) and his supervisor ([redacted]). Supervisor agreed that it's very confusing and many customers fell into this trap. He also looked at my account history (which started since 2004) and appreciated the fact that I never took any cash advance and never misused my account. He also tried his best to reverse both the transaction and the interest charges but he could not do it as his system didn't allow him.

This is unacceptable. Either they should deny the charges when I use for money transfer through western union, or they should just consider it as a normal credit card charge. Also, this may be in their fine print somewhere but a customer is completely unaware of such transactions being considered as cash advance.

Still I did not dispute rather just requested them to waive the charges assuring this won't be repeated in future. Normally, all my other banks (AMEX, DCU, JCPenney..) have reversed the charges when they realized it happened due to my ignorance but I am very disappointed to see Chase's response on this.Desired Settlement: Need to get all the transaction fee and interest charges refunded to me and also, the process modified to educate the customers and deny their charges first time whenever they try a money transfer service which causes the money to be charged as cash advance.

Consumer

Response:

Review: My check for payment was mailed in enough time to be received, processed, and posted to my account on time. However, I have past due entries on my credit report. I believe the Account Status Code regarding my payment history for the items listed below has been made in error and I am disputing this information. I am requesting that that you investigate and add the attached accurate history of payment to my credit file under FCRA, 611(a) [15 USC 1681i (a)]. I have reasonable cause to believe the reported payment history is inaccurate FCRA, 623(a)(1)(A).Desired Settlement: The 30 day past due entries removed from my credit report.

Business

Response:

This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on July 26, 2013. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

Review: I have been a customer of Chase (credit cards and home equity line of credit) for over 12 years. I am writing in frustration over a credit card dispute issue that I feel is being very poorly handled by the Cardmember Services. I currently have an outstanding credit card dispute following my trip to Europe in the summer of 2014: • August 5, 2014 against INTL CARGO SCES in the amount of USD 147.25 (Case No. [redacted] opened August 13, 2014) One of the reasons I chose this specific credit card was to have standard protections such as the ability to dispute charges when warranted. Several days after filing a dispute for the aforementioned purchases, I received a phone call from an anonymous phone number with quite a bit of mumbling that I could not comprehend. I was able to write down the phone number. When I called, a voice on the other line answered with ‘Yeah’. After reading online about the phone number (844) [redacted] I did not feel comfortable leaving any personal information, as it sounded like a scam. In late August 2014, I received a letter dated August 17, 2014, respectively, signed by [redacted]. I am assuming this is the person who had left a voicemail message for me. I spent quite a bit of my time explaining my complaint in written form in hope that they will be taken seriously. Yet, after receiving the response, I am seriously considering taking my business elsewhere. • Letter dated August 17, 2014 addresses the fact that this dispute is submitted against the INTL CARGO SECS, but the letter was apparently meant to be sent to a certain Kelly Casali, with an account number ending in 2327. [I am assuming this is another customer of Chase's]. The letter’s epilogue is that the charge is valid despite the fact that Chase was unable to reach the merchant. It completely ignores the fact that I have not authorized the charge in the amount of $147.25.Desired Settlement: I feel that my dispute was not handled professionally by [redacted] and that no reasonable effort was made to protect me as a customer, despite my claims of the merchants’ wrongdoing. I am aware of my rights as a customer who pays an annual fee for this service, and the least I expect from Chase is due diligence. I have spent $30,420.12 in 2014 alone using this credit card, and I have paid it off in full and suspended any new purchases until this issue is resolved.

Business

Response:

Tell us why here...This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on January 19, 2015. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

Consumer

Response:

Review: I paid my balance in full by the due date. They still assessed a finance charge and refuse to take it off.Desired Settlement: Remove the $61.00 charge. It is baseless, I paid my bill in full.

Business

Response:

This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on April 15, 2014. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: I had submitted a payment on the west coast that was passed their cut off time on the east coast. I had asked for a credit for the late fee which they provided. They however will not adjust the minimum amount due. I understand the credit was applied to the principle balance but I still have to pay additional money to them which doesn't make sense. If they are giving a credit they should take it out what is owed and not still force a consumer to pay them more money. I also know that since the payment was late even though they are going to wave the fee they are still going to jack my interest rate up even more then it is.

I have good credit and have been trying to get my rates reduced but they refuse to provide any information on what I can do to get a lower rate. I feel they are trying to keep customers in a state of high fees and interest. Their rates they charge are worst then licenses payday lenders which I think is a joke.

I just would like them to reduce my minimum payment by the $25 they credited me and not apply it to my principle. I have been continuing paying over my minimum monthly payments so I can work on paying down my principle balance and not get charged more fees.

I have been working extremely hard to get out of the cycle of debt that institutions like this put people in.Desired Settlement: That they adjust my monthly payment to remove the $25 fee and not increase my interest rate like I know they are going to do since they have done it in the past.

Business

Response:

Tell us why here...This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on May 13, 2015. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

Consumer

Response:

Review: Money fraudulently taken out of my account.

MY account was debited $800 without my authorization. Chase will not refund the money even though they know who took the money and their services were used to withdraw my money from my account.Desired Settlement: *$800

Business

Response:

Tell us why here...This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on May 1, 2015. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

Consumer

Response:

Review: I received a letter in the mail stating that I am eligible for an offer that allows me to request a credit line increase without a credit report check. The letter is dated January 24, 2014. The letter represents that the offer is good until March 5, 2014. I went online on March 1, 2014 to take advantage of the offer, and found that it was no longer available. I then called Chase at [redacted] and the representative told me that the internet was correct, the offer no longer existed. I asked for a Supervisor [redacted]) and she confirmed what the representative and the internet said. I asked when the offer actually expired, and after checking she came back to tell me this was a "systemation" offer that they never honored.Desired Settlement: I believe that I should be considered for a credit line increase based on my usage/ payment history with Chase, and without a credit report check as they advertised in their letter

Business

Response:

This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on March 08, 2014. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: Made a payment on due date around 8:45p MDT via automated system. During processing was advised that payment would be posted on next day. Choose option to speak to a representative and was advise that late fee would be access. The representative also tried to cancel payment to redo 2nd payment manually with her and was unable to. Because this is my husband's account (as he was out on business) I was advised to have him to call back the next day, to have late fee reversed. My husband and I called the next morning to have late fee reversed and was advised that it was not possible. I then asked to speak to a supervisor ([redacted]), whom re-advised that the automated policy cut off time for payment is 8p EST. However, stated that if I'd spoken to a rep instead of used the automated system, the payment would have been applied the same day. She also suggested to my husband that I would have possibly asked the representative to cancel payment then reapplied. Which I then advised that we did try that, which is why representative initially advised for my husband to call back the next day. To no avail was I able to get the late fee of $35.00 reversed from my account.Desired Settlement: I would like to have the $35.00 late fee reversed from my husbands chase credit card account.

Business

Response:

Tell us why here...This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on Oct 28, 2015. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: I have contacted your Chase fraud and billing department back in June 2015 as they reported on my credit report an Chase credit card account late in payment which I do not own nor authorized to be opened. I had informed Chase that was not my account. My social security number was used with someone else's name and address which do not belong to me. They closed their investigation as to the fraudulent account and did not instruct the credit reporting agencies to remove the fraudulent charges. I do not own this account and Chase knowingly issued credit to someone else whose name does not match the social security number. I have since filed a police report claiming the the account opened and issued by Chase as fraud and they know it is fraud. Chase needs to contact the credit reporting agencies and have this account and associated late charges removed.Desired Settlement: Remove any association of Chase Bank credit off my credit report as soon as possible.

Business

Response:

Tell us why here...This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on August 11, 2015. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

Review: CREDIT CARD COMPANY PROMISED TO VOID ALL PAYMENTS DUE TO THE CARD BEING CANCELLED. FEB 3RD STILL SAW CHARGES AND WHEN I CALLED CHASE TO VERIFY WHY AM I STILL BEING CHARGED THEY ADVISED I SHOULD PAY REMAINING BALANCE. THIS CONTRADICTED WHAT WAS CONFIRMED IN JAN 2014'S CALL. FEB 3RD THE SUPERVISOR WAIVED LATE FEE HOWEVER REMAINING BALANCE STILL UPHOLDS. THIS IS AFFECTING MY CREDIT SCORE DUE TO THE OVER DUE BALANCE. THIS CARD HASN'T HAD ANY ACTIVITY SINCE 2012. CHASE CONTRADICTS WHAT THEY SAY TO THEIR CUSTOMERS AND DO NOT HAVE ANY RECORDS WHEN CLOSING CREDIT CARDS.Desired Settlement: I DO NOT WANT TO PAY THE REMAINING BALANCE ON THIS CARD EITHER DO I WANT THIS TO GO INTO COLLECTIONS. PLEASE HAVE CHASE WAIVE THE REMAINING BALANCE FOR THIS CREDIT CARD.

Business

Response:

This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on February 11, 2014. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

Review: Representatives working at customer service in Chase credit cards are always impolite and never helpful with any issues.

I had an issue with a Chase Disney Visa card where a merchant charged the wrong account on my behalf (Chase instead of Citi) without my knowledge, which resulted in 3 months of interest charges accumulate on the Chase account. I called Chase and requested to have the interest waived and offered to pay the purchase balance in full.

Chase refused to help me offering an explanation: "The system will not allow to waive the fee." Blaming an unwillingness to help a customer on "the system" is unbecoming of a leading bank.

I had a terribly frustrating experience with Chase customer service and ended up shouldering $80 in fees that were incurred due to a merchant error.Desired Settlement: Credit all interest and fees, an apology for extremely poor service, and changes implemented in Chase customer service that will prevent customer service representatives from blaming their decisions on "the system."

Business

Response:

This e-mail is to acknowledge receipt ofyour correspondence. Chase takes consumer feedback very seriously. We havefully reviewed this matter and responded to the consumer on September 15, 2015.They should receive our correspondence within 5 to 7 business days. Inorder to protect consumer privacy, they have been advised they may share theresponse directly with you. Tell us why here...

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: PIN issued on wrong acct

On 8/22 I attempted to use my debit card for acct [redacted]) at [redacted].It was denied b/c of the PIN after several attempts I had to leave my groceries.I went to the ATm and again I was denied b/c of the PIN.I contacted Chase via email and phone on today and it was a mistake by Chase.A few weeks ago I received a new debit for acct [redacted] for which I never use a debit card for that account.I called to get e PIN for that account on 8/14 but they gave me a new Pin for acct [redacted] instead.I not received the new PIN fyi.I was embarrassed in front of my children and customers when I had to leave my groceries and on top of that I could not get cash from the ATM to at least get the cash.The rep on the phone today stated that I could have used my card as a credit purchase.I did and it was still denied.I now have to go into a branch or wait for a new PIN in the mail.It is next to impossible for me to make it into a branch anytime soon and I definitely don't want to wait until one is received in the mail.I have received the PIN that was mailed out on 8/14 as of yet.Desired Settlement: I would like something for my inconvenience and embarrassment and I would like to not have to go into a branch or wait for a PIN in the mail since it was the mistake of Chase Bank.

Business

Response:

Tell us why here...This e-mail is to acknowledge receipt ofyour correspondence. Chase takes consumer feedback very seriously. We havefully reviewed this matter and responded to the consumer on September 1, 2015. Theyshould receive our correspondence within 5 to 7 business days. In orderto protect consumer privacy, they have been advised they may share the responsedirectly with you.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: I have been a Chase credit card holder for years now. I recently applied for the Chase Sapphire credit card and received it. I already had the Marriott Credit Card at the time. When I received the Sapphire card, I called up Customer Service to cancel my Marriott card since I intend to use the Sapphire card going forward. At the time, I asked the Customer Service rep to credit me back the annual fee that I had recently been charged for my Marriott card since I was canceling the card. It was absolutely ridiculous that the Customer Service rep said that they would not credit me back the annual fee I was charged since it was 61 days after the fee was charged and the rule was 60 days. This is just absolutely ridiculous. How was I to know that the rule was 60 days? I did not want to be without a Chase credit card, therefore I was waiting for the Sapphire card to cancel the Marriott one.Desired Settlement: DesiredSettlementID: Refund Refund of the Marriott credit card annual membership fee and cancellation of the card.

Business

Response:

This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on December 6, 2013. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: 3 Fraudulent transactions were made on my chase HSA. Chase has not returned my money

At the end of April and beginning of May I was victim to someone fraudulently using my credit card on my HSA account. There were 3 transactions: 4/24 for $479, 4/28 for $489 and 5/5 for $519. These were all associated with paypal however I have never put this account into my paypal. I did not make any of these purchases nor have I received any good for these purchases. As per the advice of one of Chase's representatives I contacted Paypal directly regarding these transactions. I was given the following paypal transactions to research. [redacted]

After speaking with PayPal I found out the following.

1. These transactions were not made on my account, my account is [redacted] and has been open for several years, the transaction were made on an account [redacted] which was created on 4/23/15 the day before the first fraudulent transaction.

2. The transaction have no associated tracking numbers of any products that have been shipped.

3. The fraudulent user id noted above of [redacted] has been suspended for fraudulent activity

All this information has been given to chase several times and I have not yet received my money backDesired Settlement: return to me the $1,487 that were stolen from me.

Business

Response:

This email is to acknowledge receipt of your correspondence from [redacted] – Case No. [redacted]. Chase takes consumer feedback very seriously. We have fully reviewed this matter and a detailed response has been mailed directly to the customer on August 21, 2015. In order to protect consumer privacy, the consumer has been advised they have the option to share the response directly with you. If you have any questions or concerns, I may be reached at [redacted] Sincerely,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: I applied for a CC online and with in an hour they had sold my info. to a company thats running a scam. I spoke with Chase and they admitted doing it.

I applied for a cc online and with in a hour a guy was calling me about my car loan which I did not apply for and he had all the info that I just entered for the cc application. When I looked up the number its a scam thats getting alot of people. So I called Chase and they admitted they sell your infromation to who ever can buy it including the scam artist who bought mine. Thay acted as if they had done nothing wrong.Desired Settlement: Some sort of compensation, if these people ruin what credit I have its Chase's fault. They shouldn't be allowed to sale ss number either.

Business

Response:

Tell us why here...Tell us why here...Tell us why here...This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on January 12, 2015. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

Review: I applied for a Chase Slate credit card and was denied because Chase has my social security number assigned with another customer. I contacted the fraud department to correct the issue. Was told that the issue was corrected and I can apply for the card again. I applied a second time and was told the same thing. I was denied because my social security number was associated with another account within Chase as well as another address, date of birth and account. After the first inquiry I check my credit reports and found no irregularities. I have had two background checks within the last two months, and nothing came back irregular. Based on this information, the issue of my social security number is not a problem anywhere than with Chase. I contacted Chase again to correct this issue and spoke with Danielle Brown, who was far less than helpful. Essentially told me there was nothing I could do to correct this issue, and no information she could give me to help correct the problem. Chase has essentially stolen my social security number and given it to someone else. After all of this difficulty, I am no longer interested in getting a card with Chase, but I want to ensure that they are not using my Social security number for an account that is not mine. I am very upset that Chase could not even offer anything I could do to solve the issue. They said the only thing I could do was contact the social security office. I can't believe I do not even have the option to go into a chase bank with the documentation showing who I am and that the social security number belongs to me and strip it off of their records.Desired Settlement: I want my social security number out of their system as I have never had an account with them and at this point I would like no further contact from Chase including future offers with the exception of a sincere apology for my inconvenience and their inability to offer anything that would resemble a resolution.

Business

Response:

This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on January 29, 2014. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

Review: Chase Bank is reporting information for an invalid account on my credit report, numerous attempts have been made to get this corrected.

First issue is that I never had a "Chase" card, it was purchased by chase in the mid 2000's and was paid in full through the other company. Second issue is that Chase has continued to report that the account was owned by them on my credit report, however they now claim it was sold off to another company which does not show any records of this account. So it's been impossible to resolve. I have made numerous attempts to do so through out the years. But I am becoming very frustrated and will take any action necessary to resolve this matter. I believe it to be illegal for a company to continue to supply data to a credit agency for an account that was supposedly paid in full, once by me and then a second time in an alleged buy out from a third party. Even the third part has not reported data pertaining this account to any credit agency, this in itself would indicate that the account info is inaccurate.

So if in fact the account was supposedly sold off then the removal of this information would be required by law.Desired Settlement: Please remove this falsely reported info from all three credit agencies. I have had nor will ever have a Chase account. I will exhaust all forms of recourse necessary for this to be finalized and removed. This will also be forwarded to the Consumer Financial Protection Bureau with all previous correspondence included.

Business

Response:

This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on May 7, 2014. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you

Consumer

Response:

Review: Indirectly yes, it does affect my health, Chase has been extremely untrustworthy, I am a good customer, spend alot and always pay my bills on time. Recently I have had two major bad experience buying some home furniture and shutters for my house, both of which I charged on my chase sapphire credit card. ( MY MISTAKE) I should have put them on me AMEX which is much more trustworthy, I never had any issues with Amex, Chase customer service has been unprofessional, my application for dispute which was done 4 times on the phone and also in writing once in April, then in May 2015, then in June 2015 and now again in July 2015 I called to ask for the status, IS NOT TO BE FOUND IN THEIR SYSTEM. I am at this piint desperate and can not and do not want to pay the credit card balance becuase the despute amount NEEDS to be taken care of. The amount of ONE dispute was about $2600 USD, I can't even file the other dispute which is a Furniture Suopplier in DownTown LA who delivered chinese damaged furniture to me, CHASE did not do anything about it, I contacted LA furniture many many times, my emails and claims were ignored,. I have record of all emails with both merchants, CHASE still can not file my discpute, every time I call I am transfered to several people and hear that they will take care of the issue and promise, the next time I call and as for the refund I am told they have no records of my complaint or dispute, I a DON'T know what to do at this point, BEFORE taking Chase to court I wanted to reach out to Revdex.com because I don't want this to affect my credit in any way, and I AM NOT WILLING TO PAY THE CC balance unless this issue is taken care of.Desired Settlement: DesiredSettlementID: Billing Adjustment

Ideally chase needs to contact Window Design group ( Shutters Supplier) and LA Furnitre ( Furniture Supplier and aske them to refund the money. The amount I would like to be credited back to my chase sapphire account should be $4,000 for the couch from LA Furniture and From Window Design Group $2,695.23 for delivering 1- 3 months late and 2- Chinese product vs. promised made in USA, The shutters are already falling apart and Window Design Group is non res

Business

Response:

Tell us why here...This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on August 4, 2015. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

Consumer

Response:

Review: I have contacted this company via the credit reporting agency asking for the last year for a debt validation regarding this fraud account. I received a letter stating that I received the validation. This is an absolute false truth. I have not received the contract with my signature that would contractually bind me to pay this debt. I have stated time and time again that this fraudulent debt isn't mine. However, this company chooses to report the fraud account monthly which is further ruining my credit worthiness and my ability to get any credit. I know my rights have been violated and I know what steps I may have to take to get this company to remove this fraud account. I have tried to work with this company by telling them the account isn't mine, but they continue to try an bully me into paying an account that isn't mine. I am very seriously considering obtaining an attorney to sue this company for reporting false information on my report under the FCRA and the Federal Rules of Civil Procedure I am entitled to do. I will attempt one last time to work with you in removing this false debt. I again ask that this debt be removed and that you cease and desist in reporting this fraud debt. Please know that all correspondence is being kept for future litigation. Govern yourselves accordingly.Desired Settlement: Remove fraud account [redacted]

Business

Response:

Tell us why here...This e-mail is to acknowledge receipt of your correspondence. Chase takes consumer feedback very seriously. We have fully reviewed this matter and responded to the consumer on April 14, 2015. They should receive our correspondence within 5 to 7 business days. In order to protect consumer privacy, they have been advised they may share the response directly with you.

Consumer

Response: