Chase responds to my dispute saying: "We have documentation of conversations...

[smurfette in nyc]

On November 14th I sent a letter to all three CRA's disputing a TL from Chase for a charged-off account, with an amount owed of $850. In addition, that day I also sent Chase a standard letter disputing the account as not mine. Yesterday, Equifax sends me a letter stating that the Chase account has been verified. Also, here is the letter I got from Chase:

Dear Ms. Smurfette:

Thank you for your recent inquiry regarding your credit card account. We have received your liability dispute regarding ownership of the account noted above. We have documentation of conversations that you previously had with Chase employees. Currently the account reflects as being sold to UNIFUND.

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 will contact you.

Anyone else ever receive a letter like this?? How is claiming there are "conversations" verifying a debt, under the FCRA?? Any advice, opinions, or input would greatly be appreciated.

[willingtocope]

My first question is...did you have conversations with them regarding this?

[smurfette in nyc]

Absolutely no conversations of any kind! The only communication was via the dispute letter I wrote them.

[merkurfan]

If the account is really not yours, head down the fraud route. If it is, might just wana let it drop off when it's time comes if it's not to long of a wait. Or fire back a letter saying "i have notes from a conversation with your CSR's that says it's not, how bout some proof it really IS mine please."

[nylady]

Hi Smurfette,

I recvd the same letter from Chase. Turn out, the acct I disputed was mine. I originally disputed the acct because I have never opened an acct with CHase nor had I applied for a credit card with them at that time.

I disputed the charge over and over again and it came back verified. I even called CHase and requested a stmt, which they promised to mail about 3 times and to this day I have yet to rec it.

After I rec the letter I went through a bag of records that I had stored & sure enough the account belonged to me.

Anyway I paid the bill because it was only $300.00 and this was just before I joined this site. :twisted:

I opened the acct in 1994 with GE Cards Services,......Chase took over GE Card Services. I believe they also took over Bank One.

With all these mergers nowadays I can't keep up.

I sent a GW letter to Chase requesting a deletion but they refused.

Good Luck

:roll::roll::roll:

[smurfette in nyc]

If I am correct, I have the right under the FCRA to write the CRA's and ask for the method of verification? Also, I believe that under the FCRA I also have the right to request proof that this account is mine from the OC.

What I'm not quite sure about is what is considered "legal" proof by the CRA's in order to verify a debt?? Does anyone know the answer to this?

[lolah]

If I am correct, I have the right under the FCRA to write the CRA's and ask for the method of verification? Also, I believe that under the FCRA I also have the right to request proof that this account is mine from the OC.

You do have the right to request an investigation under the FCRA. Check this post out.

[bigjohnstud4200]

If I am correct, I have the right under the FCRA to write the CRA's and ask for the method of verification? Also, I believe that under the FCRA I also have the right to request proof that this account is mine from the OC.

What I'm not quite sure about is what is considered "legal" proof by the CRA's in order to verify a debt?? Does anyone know the answer to this?

you do have the right to ask for proof of the debt via the FCRA, however, a lot of times it will take a lawsuit to get it at which time they are likely to verify it and you will loose. If you don't believe this is your account though mergers or anything of the such, pursuit the fraud route at which time they are likely to provide you something. As far as the collection being sent to UNIFUND, have you had any contact with them yet or have they posted to your CR? If they haven't MAKE ABSOLUTELY SURE you DV in time. If chase gave them all the documentation of the alleged account this might be where you find some of your answers.

[scottb99]

I had two CO's showing from Chase, never opened a Chase account (or so I thought). I disputed one of the accounts with the CRA's, the other had gone to collections. I got the same letter from Chase regarding the account. I had no idea about this account. I took the fraud route on this debt. Chase never contacted me again about this account and the TL was removed from all 3 CRA's after I returned the signed affidavit. The second account turned out to be a Bank Of New York account that was purchased by Chase via FirstUSA. I ended up being sued by the CA for this one, but that is another thread. I finally disputed this Chase CO with all 3 CRA's and they sent me another letter the same as before, this time though they also sent a copy of my original signed credit app from Bank Of New York from 1994 (talk about good record keeping being passed from 2 different banks). Fortunately now it is SOL and the suit with the CA has been settled (in my favor). I'm probably going to have to eat this Chase TL until it drops unless they will PFD, but I doubt it.