Chase Card Services Chase Cardmember Services Failure to conduct a fair credit card dispute evaluation Wilmington Delaware

 Although you claim to not work for Chase, your lengthy effort in support of Chase indicates otherwise.

- Typical response, when someone doesn't hear what they want they automatically go to the "you must be an employee" response.  Well sorry to burst your bubble but NO I am not now, nor have I ever been an employee of this or any other bank.  This doesn't really bother me as it is SOP and I have probably been accused of working for a few dozen companies by now.  The only thing this claim does is make you look stupid.

 Chase not only failed to represent me, they had everything needed to rule in my favor, and the only reason they failed to do so was the total incompetence of Chase.

- That is YOUR opinion.  As I stated before of course YOU are going to think this.

The reason I can not go after the furniture company is because I followed the direction given to
me by Chase, and refused acceptance of replacement furniture.  After that point the furniture company was untouchable regarding any court action. 

- Oh really and you of course talked to a lawyer who told you this right?   Then why did this same lawyer not tell you to go after Chase directly? 

Why do you think Chase didn't take me to small claims court as opposed to writing off the $1600+ debt that they feel I owe them.

- Because you have no idea how credit works.  By regulation a company must "Charge Off" bad debts within about 6 months to get them off of their "books".  This is really just an acccounting process, this DOES NOT mean that the debt just disappears.  If you look into the Statute of Limitations for "Open Accounts" in North Carolina(where it shows you are from) you will see that they have 3 years to file a suit against you.  So you are by no means "out of the woods" yet.  Suits do take time and they often go the Collections route for a while first.  In fact most companies who file suit will do so as close to the SOL expiration as they can.  So based on the date of 8/13, expect to start having issues around the early summer of 2016.

 You also failed to grasp the fact that I am currently not out a dime. 

- One word..YET

Why, after devoting hours providing mountains of solid documentation to enable Chase to back a winning position would I waste additional time bringing a suit against Chase.  My credit score is already in the tank because of Chase and Chase is out $1600+. They merely have to file suit against me to prove they are deserving of payment.  

- Asked and answered.  Because if you sue Chase you can get your credit cleaned up, and if you don't sue them they will most likely eventually sue you.

Look I could care less if you believe a single thing I say.  In fact I want you to doubt every word I write.  Not only that I want you to go to a lawyer and get real legal advise as to your situation, even bring in this RoR to show them.  But when you do don't be shocked when they confirm just about everything I stated.

 Just because something doesn't go your way, it doesn't mean they didn't provide a "fair" investigation.

As you seem to have a strange idea that Chase is some sort of court of law where both sides get to present their case and cross examine each other until the end of time.  That is NOT how disputes work.  Credit Card companies get the story from each side and based on that make a decision. 

This appears to be a quality of service issue, and also just to let you know Credit Card companies rarely will get involved in these as there is too much.."he said/she said" type of things going on.  Now of course you are going to say your evidence was bulletproof and 100% verifiable and their evidence was a piece of s**t.  But think of this...that is of course what you are going to think, whether or not it is true. 

But I will say one thing about what you seem to think your strongest point is.  You complain that the furniture company provided bogus information.  Yet you also stated that Chase said to not accept any replacements.  Well if the company did offer a replacement and you refused..their information wasn't bogus.  If they didn't say anything about offering replacements then the statement made by Chase is meaningless.

As for the collection agency who stopped attempting to collect.  How exactly did they do that?  Did they actually remove their negative reporting or just stop calling you?  If they just stopped calling you it is most likely because in one of your letters to them you requested them to and since they are under very strict regulations they abided by your request.  Oh but even if they "agree" and think that Chase is wrong that has about as much weight as a feather on the moon.

Look I am not saying you are right, or the furniture company is right as I don't have all of the facts. 

But in the end you are going after the wrong company.  If the furniture company "wronged" you and you have all of this indisputable proof that they did.  You need to file suit against them in small claims court.  Where if you prevail you get the amount you are out as well as the court costs.  The one thing that the court can't help you with(unless you go after Chase) is the negative reporting...you caused that yourself.

Oh, and if you don't go after the furniture company and leave this balance.  Chase may come after you with a suit, which to be totally honest with you is going to be very hard to defend.  Now, this may not be this week, this month, or even this year..but it will eventually happen.  Where if you loose...not only will you owe the money but you will now have additional court costs, legal fees, and a judgement on your credit.

In the end I totally expect you to ignore every single thing I stated, you may even think I work for Chase(which I don't).  I really could care less if you follow my advise or listen to a single thing.  But just remember what is said when you are being sued by Chase.