This January I found a fraudulent activity on my credit card account, that someone had used my credit card (Chase) to purchase flight tickets in Austrailia (a flight from Brisbane to Sydney... Gosh I wish I did got on that flight). I called the credit card company, close the account, request investigation and also what I should do so that they won't report to the credit bureaus... They say I'm ok since this is fraud.
Next month I still got a statement, so I called them back and same response. No problem, nothing will be reported. However I kept receiving statements in the following months, every month I call back, same answer. In May I thougth I had enough, call the company, fight, and THEN they remove the balance... but still tell me nothing has been reported and I'm fine.
Well guess what, when I was working to get a home loan last month, I found out my credit score plummetted around 100 points since January... Turns out those at chase actually reported me as having late payment... Now they really screwed me up well.
I call them back, write certified letters asking to fix this (tell the credit bureaus that this is not late payment), but today I got a letter from them saying they didn't find anything wrong and that I did make a late payment (geez... I never paid... they removed the balance) and they won't ask the credit bureaus to correct this!
Now what should I do? I'm just thinking now... I'll be calling them again tomorrow, but I feel I try to go as smooth as possible? Any suggestions? Sue them? but ain't got no money for an attorney... I feel so disempowered and helpless. I read the web and find out that I have this and that right, but pretty much the conclusions are there isn't much you can do unless you really try hard and put a lot of effort and time to fix it... Especially that I've only been calling them until I was screwed, there isn't much evidence that I can use to do anything about them. Gosh I can't believe all this mess happened even when I've been doing so much to prevent something exactly like this from happening! Thinking about the negligence and incompetence of the credit card company I just feel so bad.
Why is all the power regarding the crucial information of myself are in the hands of those who doesn't care about me?
God what a mess.. I seriously do feel like a dud...
- what i don't understand is why, if you know how to post on this site, you wouldn't know how to obtain information on how to protect yourself and how to rectify this situation? doesn't make sense to me?
- ID theft is no joke, and each day or week you delay in taking steps to protect yourself can lead to many, many problems!
Send Chase a certified letter officially disputing the charge and the late payment. Demand that it's removed from your account and that they correct your credit file. Demand they show proof that you signed for that ticket... in Australia.
Also, dispute the late charge - in writing - with the credit bureaus. Send them a certified letter saying the charge wasn't yours and that you are disputing it with your bank. They have to remove it unless they can prove it's yours.
If you do this, the max the law will allow you to pay is $50. Chase, I believe has a $0 liability policy, so they should correct this for you. If they don't, tell them you'll file a complaint with the Attorney General of your state and the feds (not sure which agency at the moment). Do not take no for an answer.
Get names of the people you talk to. Write down the times you call and the dates you send letters. Keep a log of it all in case you have to take more drastic action... of getting a lawyer to help you.
This January I found a fraudulent activity on my credit card account, that someone had used my credit card (Chase) to purchase flight tickets in Austrailia (a flight from Brisbane to Sydney... Gosh I wish I did got on that flight).
...nah you didn't want to be on that flight....it was late, the hosties were grumpy & i had to sit next to some bloke that was 450lbs......coulda been worse I s'pose, I coulda paid for it, instead of you!