I recently received a company of my credit report. As I went through it I discovered that there had been repeated inquiries from First USA, NA, that I knew was now known by the Chase Bank USA. Therefore I was wondering why, First USA was checking my credit, and had been doing so for months. I called the ph#, that appeared on my credit report under the name of the company that made the inquiry. I asked why First USA was checking my credit, and the person who was talking to me they couldn't give me that info. I explained to the person on the phone that I was getting the info I was giving them from my credit report. We went round and round for a while, and finally I decided to end the call, because I was not getting the info I wanted.
Then today I get a letter from Cardmember Services telling me that in order to complete my research request I would need to send them a copy of my complete credit report, plus the specific inquiry dates. The letter goes onto to say that I must submit the above information within the next 30 days, along with a copy of the letter they sent me in order to complete my research request. They also provided me with a fax# 888-643-9628 in case I wanted to fax this info to them. The phone # for inquiry was stated as 800-441-7681. This letter was not signed, it was essentially a form letter. It did have initials at the bottom in regards to who wrote it & who typed it - "JH: jh". Then under that was another set of letters & #'s "CDV003". The letter head was Chase, & at the bottom it said "Chase credit cards are issued and accounts are owned by Chase Bank USA, N.A. And may be serviced by its affiliates" I am not quite sure what this statement means, but it sounds like it's a disclaimer of sorts. I was very surprised to get this letter, considering that I never made a formal request, I only asked questions that went unanswered.
I think these people must be nuts if they think I am going to send them a copy of my credit report, when they can access it. I certainly would not fax this info to them. After I called and made my inquiry, I went back and looked through my cards and realized that these inquiries must have something to do with a Visa card that has not been used for a couple of years, but was still open. I really resent them contacting me, and making repeated inquiries on my credit report when there is no reason to. I feel like they are taking advantage of me, and it makes me mad.
0 comments