Chase Account Charged-Off While Current

[tmonique]

I had a Chase account a couple of years ago that shows on my credit report as a charge-off.  However, the credit report also shows that all payments were current each month prior to the charge-off and I also have bank statements that show payments were being made.  How can an account become a charge-off with no reported late payments?  And should I contact Chase prior to filing a dispute with the credit agengies?

[Anonymous]

Was it charged off?

Were you current?

[tmonique]

Yes, it was charged-off.  And yes, I was definitely current. 

[Anonymous]

Ok, so why did Chase charge off a current account? I am confused

Was it in default but you paid back to an official/unofficial payment program? And how long ago was this?

[Anonymous]

Lets try it this way:

---

@tmonique wrote:

I had a Chase account a couple of years ago that shows on my credit report as a charge-off (Was it a charge off).  However, the credit report also shows that all payments were current each month prior to the charge-off and I also have bank statements that show payments were being made(were they they corect payments in accordance with your cardholder agreement, with your account never being past due, in default, charged off previously, handed to collections or having any adverse action done to it?).  How can an account become a charge-off with no reported late payments?  (if the payments were not being made to the card holder agreement) And should I contact Chase prior to filing a dispute with the credit agengies?

---

[tmonique]

I'm just as confused as you are.

The payments were being made in accordance with the cardholder agreement.  I paid the minimum amount due every, single month.  And I was nowhere near my credit limit, so I'm baffled.

If the payments were not  made as specified in the cardholder agreement, would it not show on my credit report that I had overdue payments?