Chase screwd me

They ultimately told you that your "card had never been OPENED." Does
that mean the account had never been opened? Does it mean the card had
never been activated? If either is the case, then how were charges
made against it?

Something is odd there. Maybe it's just the way I read it.

I know the others have commented on identity theft. My question is:
Even though you did not open the account, and it sounds like some
scoundrel did, if you had chosen not to pay it off, would they have
ultimately dinged your credit rating. Would that be the reason for
paying a bill you did not incur?

Just curious....

I hope you're shredding credit card offers rather than just throwing
them away in the garbage.

Oh my! If you never opened the card, why on earth would you pay the
bill? I think thay by paying the bill, you have accepted
repsonsibility for the debt.

If I were you, I would ask to see a signed copy of the application. I
would also pull a copy of my credit report.

And then when you asked them how this was possible, the response
was...?

And when they "made [you] pay the money," the reason they gave for
doing so was...?

Do what I do, never use credit cards, never borrow money.

On top of that, freeze your credit report.

The credit bureau reporting agencies have decided that you can freeze
your credit bureau report for about $10.

Freezing your credit keeps anyone from looking at it.

You should do it to avoid some identity theft that’s out there.

On top of that, you should get some form of Identity theft
protection.


Good Day

Good Day

I can't get an in-store credit card, or a credit card online, without
going through lots of hoops to prove that I'm me. And since I have no
desire to get credit cards (especially something limited to a
department store), this doesn't impact me, but it does protect me.

there will be additional steps you have to take
and they will take time

You state this with no rationale - simply a statement. You have no
idea what the OP's financial picture looks like.

It may be true that some people shouldn't borrow money. It isn't true
for me.

This reminds me of my mother telling me when I was a child that I
shouldn't feel the need to do something just because others are. Why
should the OP not use credit cards or borrow money, other than you
don't believe in it?

The OP DOES say that they NEVER opened a credit card account with
Chase.

But I still have no idea why you would pay the bill on a CC you never
opened just on their sayso that you owe ANY amount. I'd be dealing
with the fraud departments, pronto.

Likely too late to do anything now that OP already paid though.