zwiepak Posted April 1, 2007 Report Share Posted April 1, 2007 Background:I recently disputed 6 negative tradeline accounts (all credit cards) through Transunion. One fell off, the rest "verified"... ...anyway, here's the verbatim text of the Chase letter:"Thank you for your recent inquiry regarding your credit account. We have received your liability dispute regarding ownership of the account noted above.In researching this claim, we have found documentation of conversations you have had with Chase employees regarding this account. If you believe that this information is not valid, please complete, sign, and send the Affirmation of Fact document to us at the following address. Upon receipt of this document, an investigator from our Fraud Department may contact you.[address]If you agree that the account is valid, please complete, sign, and send the Acceptance of Liability document to us at the following address:[address]If you have any questions or we can be of further assistance, please call us at the toll-free number noted at the top of this first page of this letter."So, they enclose this form, with, only two options: 1. asking you to state you never set up this account, blah, blah, blah, and 2. asking you to accept the liability... LOLYeah, ok....I really doubt simply having conversations regarding an account qualifies as some sort of proof of ownership, or "acceptance of liability", if it was, why bother with signing for "acceptance of liability"? My initial thought is they know a DV is just around the corner.... Link to comment Share on other sites More sharing options...
someonesomewhere Posted April 1, 2007 Report Share Posted April 1, 2007 Well, it's certainly an odd bit of correspondence. Did this come in response to your disputes with the CRAs, or did you dispute with Chase either over the phone or in writing? Link to comment Share on other sites More sharing options...
SecretAgentWoman Posted April 1, 2007 Report Share Posted April 1, 2007 They are either 1) calling your bluff or 2) helping you research possible identity theft.Either way, the letter seems pretty "pro-active" and I don't smell shenanigans. Link to comment Share on other sites More sharing options...
zwiepak Posted April 2, 2007 Author Report Share Posted April 2, 2007 Well, it's certainly an odd bit of correspondence. Did this come in response to your disputes with the CRAs, or did you dispute with Chase either over the phone or in writing?Response through a dispute with TransUnion... Online. Link to comment Share on other sites More sharing options...
zwiepak Posted April 2, 2007 Author Report Share Posted April 2, 2007 They are either 1) calling your bluff or 2) helping you research possible identity theft.Either way, the letter seems pretty "pro-active" and I don't smell shenanigans.Yes, that's the "cheery" side of the story, the veneer of being "helpful", I don't doubt at all it's a helpful counter-measure, but I really doubt it's the primary motive. Of course, it helps them out a whole lot, and ultimatley the CA's afterward, to pull out that piece of paper, which if I fill out and send back (lol), to have absolute concrete, unmistakable, proof I am liable for that account. I'm sure CC companies are wise to most every tactic on this board, they know the "liability trail" is propably the most open area for attack, and a letter like that, could easily close that avenue...Needless to say, that letter WON'T be sent back. Link to comment Share on other sites More sharing options...
someonesomewhere Posted April 2, 2007 Report Share Posted April 2, 2007 Are you still under the SOL? Link to comment Share on other sites More sharing options...
zwiepak Posted April 2, 2007 Author Report Share Posted April 2, 2007 Are you still under the SOL?Oh yeah, it will likely get charged off any day now... Link to comment Share on other sites More sharing options...
someonesomewhere Posted April 2, 2007 Report Share Posted April 2, 2007 Oh yeah, it will likely get charged off any day now...Well, since it's still with the OC, if you can do anything to keep it outta CO and away from a CA, now is the time.Don't negotiate it over the phone. Opinions vary and some say NEVER talk to an OC once you fall behind. But I think you may need to initiate a conversation with a phone call and see what kinda terms they could offer, in writing. Link to comment Share on other sites More sharing options...
InsideTexas Posted April 2, 2007 Report Share Posted April 2, 2007 I got that one too It said sign here that it's yours and you will stop disputing...HA..same day a letter saying I was refusing to deal with CA's and would only deal with Chase itself went to them. They are not going to be happy campers with me. Link to comment Share on other sites More sharing options...
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