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Chase screwd me

Posted Tue January 19, 2010 8:04 pm, by Dave Y. written to Chase Bank

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I NEVER started a credit card account with Chase, and they send me mail every day in the mail and now they are charging me $141.24 to a card that I NEVER opened. And they did nothing to help me. I ended up having to pay a bill I never accrued. Then they shifted me over to their customer service to cancel my card, and the service told me that my card had never been OPENED!!! YEAH, that's what I told them. But they still made me pay the money.

I would like my money back!!!!


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by Mundo Cani D. Posted Wed January 20, 2010 @ 9:40 PM

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....

Reply

by batmoody Posted Thu January 21, 2010 @ 11:52 AM

Sometimes there is a fee. Sounds like the fee was charged and interset
accrued on top of that. Doesnt mean someone stole their identity.


Reply

Cards are not activated... by franese Thu January 21, 2010 @ 12:42 PM

by RedheadwGlasses Posted Wed January 20, 2010 @ 1:05 PM

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

Reply

by fairywithfangs Posted Wed January 20, 2010 @ 10:52 AM

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.

Reply

That's what I was thinking by franese Wed January 20, 2010 @ 12:58 PM


OP should also contact the fraud by fairywithfangs Wed January 20, 2010 @ 7:25 PM


by Donno Posted Wed January 20, 2010 @ 12:44 AM

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...?

Reply

by RowdyRetailer Posted Tue January 19, 2010 @ 10:14 PM

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

Reply


I did that with my credit by RedheadwGlasses Wed January 20, 2010 @ 1:06 PM


just remember if you freeze your credit report you may have to plan ahead if you decide to get a house or car etc and need a loan by PepperElf Wed January 20, 2010 @ 5:44 PM


Why should the OP not use credit cards or borrow money? by Donno Wed January 20, 2010 @ 7:29 PM


WOW by RowdyRetailer Wed January 20, 2010 @ 9:45 PM

Re: Wow by Fairbank R. Thu January 21, 2010 @ 9:14 PM

Rowdy, to be fair... by Kalphoenix Wed January 20, 2010 @ 9:16 PM




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