I disputed this as "not mine" a few weeks ago. Because I suddenly have an account on my CB with a brand new account number...so I thought that was valid. I have never received an communication from Pier One stating that they were bought out, so why would I know? Yesterday, I received a letter from Chase. It says:
"In reasearching this claim, we have found other accounts which you currently have with Chase. If you believe that this information is not valid, please complete the Affirmation of Fact document.... Upon receipt of this document, an investigator from our Fraud depatment may contact you.
If you agree that the account is valid, please complete and send the Acceptance of Liablity....
If we do not receive a reponse from you, we will conclude our investigation based on the facts we have available to us. The account will continue to report as currently shown at the credit bureaus.
Please note the Pier1 account XXXXXX was recently acquired by Chase Bank and the new account number is XXXXXXX."
NOTE: I have had other accounts with Chase/Bank One in the past, all of which are closed/paid. This is what they want me to sign:
"I, ____________ have never applied for a credit card, nor have I relinquished any personal information about my residency, etc.......for the purpose of obtaining credit with Chase, Bank One, First USA Bank, or its affiliates including, but not limited to, Wachovia Bank and First Card.
I cerify that I have not given anyone permission to apply for such an account, and I further certify that I have not benefited in any way from this fraudulant application"
Obviously, I am not claiming fraud here. What should I do? Doing nothing is enough for them to say that I validated the debt by ommission. However, they have broken some rules here. One, this new account has killed my score because it is showing as a new CO, which it is not. Secondly, they make no reference to the original creditor in the new account with exception of the creditor name "Chase-Pier One", but the amount is different by one dollar (but different), the account number is different, and the DOLA has changed by 4 months (and not in my favor). What the heck???
The only reason that this came up was because I disputed my Pier One account for false reporting of the account information. The Pier One has come off on TU and EQ, and the Chase has shown up. EX shows the PO, but I assume the Chase will take its place soon enough.
How should I respond to this? Any help on this with part or all of it would be greatly appreciated.