Re: Help! Can't shake off credit card!

kj <socyl@xxxxxxxxxxxxxxxxx> writes:

> I'm looking for some advice on how to get rid of this credit card
> (from Chase, aptly named).
>
> I cancelled this credit card by phone months ago, with zero balance,
> and no recent charges. Everything seemed fine for several months
> until one day I get a statement for this card (which I thought was
> defunct) showing a balance of about $100. It turns out that (1)
> my account had not been closed (it had just been dormant due to
> the zero balance), and (2) some shady outfit (Privacy Guard, which
> may be connected to, or in cahoots with, Chase), without my
> permission, had charged my account for some service I had never
> asked for. After hours on phone with both Chase and Privacy Guard
> I was told that my account would show a credit for the charges (to
> bring it to zero balance), and I it would be closed.
>
> Well, no such luck. Today once again I received a new statement
> from Chase showing even more charges (the previous charges plus
> late fees). I could, once more, waste a few hours on the phone
> clearing this matter, but, after this history, I have no confidence
> that it will be resolved this time any more than it did last time.

Send a certified letter, return receipt requested, to the disputes
address (not the payment address; the dispute address should be on your
bill).

There is likely to be a notice about the dispute process, which says
something like, "If there is an error on a bill, you must send us a
notice of the dispute within 60 days. You may telephone us, but doing
so will not preserve your rights under law."

And since the bill may have been reported late, check your credit
reports. An amount in dispute should not be reported as delinquent
while it is being investigated, but that does not mean that the
automated process won't report it as delinquent.

--
David Grabiner, grabiner@xxxxxxxxxxxxxxxxxxxx, http://remarque.org/~grabiner
Baseball labor negotiations FAQ: http://remarque.org/~grabiner/laborfaq.html
Shop at the Mobius Strip Mall: Always on the same side of the street!
Klein Glassworks, Torus Coffee and Donuts, Projective Airlines, etc.
.

Relevant Pages

  • Re: CHASE CREDIT CARDS
    ... the blog at chasecreditcardsnews.blogspot.com has been removed. ... There is no such thing as a good Chase credit card. ... After several verifying questions they asked about a couple charges from that morning. ...
    (misc.rural)
  • Re: disputing a credit card transaction
    ... In our attempt to resolve your dispute, ... However, VISA ... If my credit card number was stolen and multiple first ... means that credit card charges cannot be disputed, ...
    (misc.consumers)
  • Re: Help! Cant shake off credit card!
    ... >> I'm looking for some advice on how to get rid of this credit card ... >> (from Chase, aptly named). ... >> and no recent charges. ... >> my account had not been closed (it had just been dormant due to ...
    (misc.consumers)
  • Re: Rose Furniture Bankrupt - What are my consumer rights?
    ... after sending copies of the order, closing notices and a few other ... Ill never say anything bad about CHASE again! ... We did file the dispute 2 days before the 60 day rule expired. ... I hope you are aware that credit card ...
    (misc.consumers.house)
  • Re: Help! Cant shake off credit card!
    ... >(from Chase, aptly named). ... >I cancelled this credit card by phone months ago, with zero balance, ... >and no recent charges. ...
    (misc.consumers)
Loading