topic Re: Problem with chase cc in Credit Cards

Problem with chase cc

Pmrtrading — Thu, 27 Mar 2014 00:01:51 GMT

Herer is the story, i was in the process of rebuilding my credit, so i asked my aunt to make me an authroized user on her chase freedom cc which she did about a year ago, i got into a fight with her and havent spoken to her in over 9 months, last week i get a letter from a collection agency saying that i owe them about $19,000, so i call chase and say why am i responsible if i am only an authorized user, they tell me that i am not i am a joint applicant, but i didnt sign any paperwork for a joint app as i know you need to sign some kind of paperwork. I did recieve a cc in my name. Is chase telling me that i am a joint applicant because they cannot find my aunt i guess shes doing some kind of debt consolidation, but imdo not want to be liable as i only asked to be an authorized user i didnt sign any paperwork to becomr a joint applicant, now it is showing up on my credit report, someome please help me, can i call chase and tell them this is fraud as i didnt sign no papers to be a joint applicant???

Re: Problem with chase cc

gdale6 — Thu, 27 Mar 2014 00:06:20 GMT

@Pmrtrading wrote:
Herer is the story, i was in the process of rebuilding my credit, so i asked my aunt to make me an authroized user on her chase freedom cc which she did about a year ago, i got into a fight with her and havent spoken to her in over 9 months, last week i get a letter from a collection agency saying that i owe them about $19,000, so i call chase and say why am i responsible if i am only an authorized user, they tell me that i am not i am a joint applicant, but i didnt sign any paperwork for a joint app as i know you need to sign some kind of paperwork. I did recieve a cc in my name. Is chase telling me that i am a joint applicant because they cannot find my aunt i guess shes doing some kind of debt consolidation, but imdo not want to be liable as i only asked to be an authorized user i didnt sign any paperwork to becomr a joint applicant, now it is showing up on my credit report, someome please help me, can i call chase and tell them this is fraud as i didnt sign no papers to be a joint applicant???

One would most likely need to file an ID Theft report with the police in order to get this cleared up. That is up to you to decide as it most likely would result in some un pleasant things for your aunt. One does not need to sign anything for a joint applicant these days online or by phone.. I would demand written proof from Chase though that you are in fact a joint owner, you can also verify this by the way the account is reporting on your CRs.

Re: Problem with chase cc

Pmrtrading — Thu, 27 Mar 2014 00:56:23 GMT

At this point i am willing to do id theft for my aunt as she has done alot of numerous bad things to me, can i call chase and tell them that this is fraud and to start an investigation as imreally do not care about my nasty aunt at this point, how do i go about doing this?

Re: Problem with chase cc

Pmrtrading — Thu, 27 Mar 2014 00:57:52 GMT

Also if i do call chase and demand a fraud investigation what are the chances that they will remove me from this account?

Re: Problem with chase cc

Creditaddict — Thu, 27 Mar 2014 01:05:47 GMT

1. have you pulled your credit report and seen rather the account shows "joint" or "Authorized User or Additional User" under the notations?

2. I REALLY think Chase stopped allowing joint applications OVER a year ago so I think you are fine.

3. if you can confirm that you are just showed as authorized user just simply submit a dispute through each credit report agency (Experian, Equifax, Transuion) to delete the account from your record as it is not yours (usually takes 1-2 days)

4. you should be able to get the reports for free through each agency for adverse recent actions on your credit reports.

lets step back from a fraud investigation and such right now until we confirm rather this is a joint account

Re: Problem with chase cc

Josh2942 — Thu, 27 Mar 2014 01:11:52 GMT

If it is fraud and is a joint account I would call the police, chase, and the CRAs in that order. She charges 19k and is nowhere to be found? Seems like she conned her own nephew

Re: Problem with chase cc

Anonymous — Thu, 27 Mar 2014 01:49:45 GMT

@Pmrtrading wrote:
Also if i do call chase and demand a fraud investigation what are the chances that they will remove me from this account?

Like creditaddict said, get a copy of your credit report first.

If it's indeed a joint account, then file identity fraud.

Refer to this thread for more info: http://ficoforums.myfico.com/t5/General-Credit-Topics/Victim-of-Identity-Theft-What-To-Do-to-Protect-Yourself/td-p/2059499

Re: Problem with chase cc

Pmrtrading — Thu, 27 Mar 2014 02:00:37 GMT

I pulled a CR from experian, it doesnt say anything about joint or autherized user, it just says, chase, the account number, the balance, the past due amount, date opened which was 1997, but i was added in 2013, account status is closed, payment status is charge-off, limit $17,000, terms revolving and comments it says "credit line closed grantor request reported bt subscriber" and thats it, and in sept 13 it started to be 30 days late, oct 60 days, nov 90 days, dec 120 etc...

thats all it says on my credit report, i know for a fact i never signed any paperwork, i know when you want to be added as a joint, they have to send you an application, for me and the primary to sign, which i never recieved no application nor did i sign anything, but this is in collections right now thats how i found out about it.

should i just start disputes with all 3 Credit agencys?

Re: Problem with chase cc

Anonymous — Thu, 27 Mar 2014 02:08:22 GMT

@Pmrtrading wrote:
I pulled a CR from experian, it doesnt say anything about joint or autherized user, it just says, chase, the account number, the balance, the past due amount, date opened which was 1997, but i was added in 2013, account status is closed, payment status is charge-off, limit $17,000, terms revolving and comments it says "credit line closed grantor request reported bt subscriber" and thats it, and in sept 13 it started to be 30 days late, oct 60 days, nov 90 days, dec 120 etc...

thats all it says on my credit report, i know for a fact i never signed any paperwork, i know when you want to be added as a joint, they have to send you an application, for me and the primary to sign, which i never recieved no application nor did i sign anything, but this is in collections right now thats how i found out about it.

should i just start disputes with all 3 Credit agencys?

What does it say under "responsibiility"?

For instance, if you are AU, it should state: Authorized user.

If it's a joint account, it will state: "Joint with XXXXXXXXXX"

If the account is under your name only, it will state "individual".

Re: Problem with chase cc

Pmrtrading — Thu, 27 Mar 2014 02:37:44 GMT

It doesnt have that option, no responsibility no nothing just has whatever i wrote to u in the last post

Re: Problem with chase cc

Pupeitmeister — Thu, 27 Mar 2014 03:07:27 GMT

@Pmrtrading wrote:
It doesnt have that option, no responsibility no nothing just has whatever i wrote to u in the last post

Ok, Slow down just a minute.. I understand the frustration.. this may take a little time to fix, but it is something that can be fixed.. the people on this thread are trying to help,

So.. step 1: .. Take a deep breath.. be mad all you want, but thats not going to resolve this situation

Step 2.. pull all 3 Credit reports, from all three bureaus.. not just experian.. pull EQ, and TU as well.. Annual Credit Report.com will help with this portion

Step 3.. Somewhere on one of those three reports there should be an account responsibility section... sometimes its hard to find.. but it should be on there..

After above three steps, lets revisit this.. and figure out which way to go..

Re: Problem with chase cc

Pmrtrading — Thu, 27 Mar 2014 03:16:11 GMT

Yes def frustrated, been trying to fx my credit the last year and now i find that my freaking aunt decided to consolidate her debt and stop making payments, anyway im not mad at u guys i appreciate u guys helping very much, i will pull my 3 Credit agencys right now and tell u what i see, but i do appreciate u guys helping very much.

thank u guys

Re: Problem with chase cc

Creditaddict — Thu, 27 Mar 2014 03:31:29 GMT

I would dispute it with EX while you have that report.

pull other 2 reports

Re: Problem with chase cc

Pmrtrading — Thu, 27 Mar 2014 03:33:48 GMT

Ok so i got all 3 credit agencys there is nothing here that says nething about being authorized or joint, what do i do now?

Re: Problem with chase cc

Pmrtrading — Thu, 27 Mar 2014 03:43:49 GMT

here is the link i took a picture of it

http://tinypic.com/r/30t5bsz/8

Re: Problem with chase cc

Creditaddict — Thu, 27 Mar 2014 04:02:54 GMT

@Pmrtrading wrote:
here is the link i took a picture of it

http://tinypic.com/r/30t5bsz/8

Did you do one directly at transunion and equifax too or just this Experian tri merge?

transunion.com/dispute

Re: Problem with chase cc

Anonymous — Thu, 27 Mar 2014 04:05:48 GMT

Hmm that's weird it should show responsibility. It probably has to do with the interface of the service that you are using.

Anyhow, you can also try giving Experian a call and ask a CSR over the phone. They should be able to read out to you on what's showing on their screens. Other than that, you will have to contact Chase directly. Try contact the lending department, EO, and also regular customer service.

If the account is indeed yours or joint, then follow steps in this thread: http://ficoforums.myfico.com/t5/General-Credit-Topics/Victim-of-Identity-Theft-What-To-Do-to-Protect-Yourself/td-p/2059499

You may want to contact your Aunt as well to try settle this debt, because once you file a police report she's most likely going to be in trouble. However, the damage will continue to remain on your CRs if you settle it this way.

If the account is AU, then just dispute with the bureaus about the account not being yours.

Re: Problem with chase cc

clocktick — Thu, 27 Mar 2014 04:20:39 GMT

It may be more detailed if you get 3 individual separate reports. That's what I did and it shows which ones I'm an AU on and which ones have an AU on mine. You should be able to get them for free. I forget the site....freeannualcreditreport.com? Someone please chime in...

Re: Problem with chase cc

credit-hunter — Thu, 27 Mar 2014 04:21:18 GMT

her amex is current?

Re: Problem with chase cc

09Lexie — Thu, 27 Mar 2014 04:24:33 GMT

@clocktick wrote:
It may be more detailed if you get 3 individual separate reports. That's what I did and it shows which ones I'm an AU on and which ones have an AU on mine. You should be able to get them for free. I forget the site....freeannualcreditreport.com? Someone please chime in...

Annualcreditreport.com