wrong info on credit report

[apuppydog]

What is the name of your state? California

Hi! I recently (in February) looked up my credit report, and it shows a $90,000 home equity loan amount through Chase. It shows me as a joint account holder with someone named Zajac who lives in Maryland. I have never been out of state (california) nor am I stupid enough to co sign on someones home equity loan.

I have made several calls (over 20) to chase and spoken with supervisors who asked me to fax my credit report to the research department which I have done. I feel i am being given the run around as that debt still is on my report and no action has been taken.

Everytime I call them now, they say that nothing has been done or it has to go to research department. They won't give me the number for the research department for me to call myself and find out the situation.

My credit is otherwise perfect, i have a score of 716, but now I am being denied credit for some credit card companies because of that huge debt. How can i get them to resolve this for me?

Please help!

 

[bigun]

Stop talking on the phone and start writing letters and send them CRRR.
Also, dispute with the CRA's as not mine and send the letters CRRR.
I'd also copy your state AG and, the OCC.

The OCC Customer Assistance Group (CAG)

The OCC Customer Assistance Group was created to answer questions, offer guidance, and assist consumers in resolving complaints about national banks and their subsidiaries.

The first step is to try to resolve a complaint directly with your bank or its operating subsidiary before involving an outside agency. If you are unable to do so or are uncertain about whether your complaint falls under our jurisdiction, the OCC Customer Assistance Group will try to assist.

General inquiries about banking laws or practices often can be answered on the phone or through email by a Customer Assistance Specialist. The specialist may also be able to suggest other ways for you to try to resolve your problem directly with the bank or its subsidiary.

Contacting a Customer Assistance Specialist

You can reach one of the OCC Customer Assistance Specialists by calling our toll free number, 1-800-613-6743, Monday - Thursday, 9:00a.m. to 4:00p.m. Central Time or sending an email to [email protected].

Please be reminded that e-mail is not necessarily secure against interception. Please do not include sensitive information of a personal or confidential nature - such as your bank account, credit card, or social security number.

Filing a Formal Complaint

There are two ways you can file a formal written complaint with the OCC about a national bank or its operating subsidiary. You may mail or fax a letter - no special forms are required - to the Customer Assistance Group at the following:

Customer Assistance Group
1301 McKinney Street
Suite 3450
Houston, TX 77010
FAX: 713-336-4301
Your letter or fax should identify the national bank or subsidiary about which you have the complaint by providing the bank's (or subsidiary's) full name and address. Additionally, the following information is required:


Your complete name and mailing address as used by the bank;
Your daytime telephone number;
Your account number(s);
A detailed explanation of the complaint or inquiry and description of how you would like the matter resolved;
The signature of the account holder, legal guardian, Power of Attorney, or other person authorized to act for the account holder. If you are not the account holder, you must include documentation indicating your authority; and
Documentation supporting your position.

The OCC's Complaint Process

When we receive your call about a complaint, a Customer Assistance Specialist will request certain information from you about the issues. He or she will evaluate your information and attempt to resolve your questions while on the phone. Should the specialist not be able to resolve your complaint immediately, he or she may request that you submit a formal written complaint or inquiry. The specialist will assign you a case number and explain exactly what we need you to provide.

When we receive your written complaint or additional documentation that was requested by one of our Customer Assistance Specialists, we will send to you an acknowledgment letter and assign a case number if one was not previously provided. The specialist will research your complaint and contact the bank for a response. The OCC will notify you after the bank or subsidiary responds. Complaints caused by bank error or misunderstanding are often resolved voluntarily by the bank or its subsidiary.

 

[apuppydog]

thanks for your prompt reply.

Is CRRR something like certified return receipt r..? I have most of the paperwork sent over to them so I will try to get copies made and send that out. I also filed a complaint via the FTC website about it, but haven't heard anything from them. I will call the OCC in the next few days and hopefully they can resolve my issue.