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Wow.

I just got a telephone call from a collection agency about my Chase checking account that was opened in August of 2007, and closed in October of 2007 with over $2000 in overdrafts.

Thing is, I don't have a checking account at Chase.

What worries me is the last four digits of the SSN are correct, but the first five were not. And they were asking for my name, but with a "junior" at the end.

Seems like a good time for caution.

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( 10 comments — Leave a comment )
vanaabegra
May. 8th, 2008 02:00 am (UTC)
Sounds like a good time for one of your 3 free credit checks this year.
raccoon_kabuki
May. 8th, 2008 02:56 pm (UTC)
That would be https://www.annualcreditreport.com as per http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre34.shtm

Is anybody else tired of those commercials with that singing douch flogging freecreditreport.com? (read the fine print, it's not free)
briangee
May. 8th, 2008 03:53 am (UTC)
Do everything in writing. Make them mail you the claim, dispute it in writing, keep copies of everything, etc, etc, etc. Sorry if that's obvious...
mskitty23
May. 8th, 2008 06:14 am (UTC)
I agree!!!
Also make yourself familiar with the fair debt act and the statute of limitations on debt collections. Do NOTHING over the phone.
Also contact Chase bank, it benefits them to assist you in this matter.
magicmarmot
May. 8th, 2008 10:33 am (UTC)
With the wrong SSN it would be really odd. The whole call was weird.
mskitty23
May. 8th, 2008 03:35 pm (UTC)
I wonder if it wasn't a phishing scam, I had on over the phone one of those, they had everything right but how my first name is hyphenated- and they didn't have my SSN.
mskitty23
May. 8th, 2008 06:12 am (UTC)

Do you get a copy of your credit report regularly?
magicmarmot
May. 8th, 2008 10:14 am (UTC)
I haven't been.
g33kgoddess
May. 8th, 2008 11:32 am (UTC)
Check into this. I went to Rip-off Report and found links to things about Chase. http://www.ripoffreport.com/searchresults.asp?submit22=Search+All+The+Latest+Rip-Off+Reports+Now%21&q1=ALL&q2=&q3=&q4=&q5=chase+bank&q6=&q7=&searchtype=0

But, yes... contact Chase directly. Unfortunately, they may give you the run-around of "it's already been sent to collections... it's out of our hands" bull shit, but keep pressing. With the wrong social, it's doubtful that it will affect you, but just be certain of it.

... and get a credit report.
saveau
May. 8th, 2008 12:23 pm (UTC)
It may also help to inform them that attempting to come after you for an account that isn't yours that was opened with a fraudelent SSN is itself an act of fraud. That should give them pause...
( 10 comments — Leave a comment )

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