I'm 21 years old and starting to get into monitoring my credit. I have a serious issue with a Chase credit card. Apparently, I had an open account with them that I didn't know about since August 2006. I never received a card (at home) or at my school address so I didn't know ANYTHING about this. I returned home this month after spring semester ended and found out that I had a bunch of bills from chase, with the first bill arriving in Feb. As of June, I currently owe them $145 and they have closed the account. I decided to go to look at my free credit report and investigate further. Since I never received the card, I never activated it. When I looked at the history, my first bill was for $79 for January 2007. So from Aug-Dec, the balance was $0! how does that happen? I have not contacted Chase yet, cause I'm new to this credit thing, and I hate talking to people like creditors. Apparently, the account is closed now. How should I go about rectifying this?
I agree, you need to call Chase and get the story behind this. Tell them what you told us in this fourm. It may take awhile to get cleared up but it is worth it and if it is fraud, you need to get this taken care of ASAP. Also, Chase has been very "customer friendly" everytime I have called them and my credit was horrible at the time. Good luck!