J.P. Morgan Chase Complaint - Chase Unfair Credit Reporting.
TUSCALOOSA, ALABAMA -- I have a Chase Visa card I have had for years. I have (had) great credit a 760 plus beacon. About a year and a half ago a law firm by the name of Mann-Bracken started calling me saying they were going to file a judgment on me if I did not pay my Chase account. I assured them they had the wrong person that I had excellent credit and was not delinquent on anything. The phone calls become more frenquent. They would ask if I ever lived at such an address and I told them no. They would hang up on me. Phone calls still coming and getting ugly and agressive I told them again and again they had the wrong person, I even revealed the last 4 of my social then they would hang up. I called Chase over and over discussing this and they told me they knew nothing of it, my account with them was perfect. Phone calls still coming. Finally I talked to another person at Chase in security. She looked up my name and state and said uh-oh! (That usually means somthing bad!). She said it looks like we have accidently dumped someones files with the same name as yours living in the same city as you in with your files. I was furious! She assured me they would correct the problem and contact Mann-Bracken who is one of their collection attorneys that they were at fault and to leave me alone. During this time I pulled my credit report, still good 760 plus beacon no negative from Chase or anyone. Then a couple of weeks passed. I got a anonymous fed-ex package. I opened it up and It was documents where Chase had filed Arbitration against me in Atlanta. I then went and pulled my credit again. Still good 750 Plus. I contacted an attorney and they wrote a letter to Mann-Bracken telling them they had the wrong person and to back off. About a month passed and then another attorney collection agency started calling me. Again I pullled my credit- mid 750 beacon. Nothing derogatory. This time the attorney wrote a very agressive letter telling them again they had the wrong person and they were harassing me and any further contact would result in a lawsuit. The attorney also explaind to them she knew me personally and that the person they were looking for had the last name as me by marriage. I was single. Things got completely quiet, not a word from anyone. This was late 2006. As intrest rates started to fall in late 2007 I went to refinance my home and some rental property. I was turned down due to the $16,000.00 plus judgment Chase had placed on my credit report. My beacon fell from the high 700's to the 600's. I have respoken to my attorney, we are trying to decide how to exactly approach this. I am very angry. I am a single mom supporting two small children. I have worked very hard for the things I have and Chase has givien the SHAFT. ANY COMMENTS, ADVICE?