First USA Bank

Several weeks ago, out of the blue, I received a telephone call from a debt collector claiming that they are attempting to collect debt from an old First USA card I had over seven years ago. They claimed that I owe $250+ and wanted to know how I intend to clear this matter. I explained to the debt collector agency that my First USA card was filed with Ameridebt almost 18 years ago along with my First USA card. I had placed other credit cards with Ameridebt (consumer credit counseling agency) to finally clear up all my debt. It took me over 10 years, but had paid off all my debt, which included my First USA card. First USA had later sent me a letter verifying that my pre-existing account was paid in full and the account closed. I do not have that letter anymore unfortunately, as I thought that this issue had been resolved.

I now am receiving calls from a debt collecting agency claiming that I still have an outstanding balance. I attempted to explain the above which they wanted to listen to no part of what my history was with First USA and the fact that this account had been paid in full and closed almost seven years ago. I am now finding more and more complaints similar to mine, and want to know what are my rights. And do I have any room for possible counter suit? Any information and/or suggestions would be greatly appreciated. Thank you.

I have a credit on my credit report for $9200.00 for a credit card I never applied for and want to know what it's about.

I got a letter from a collection department, First National Collection Bureau, saying that I had a loan with First USA Bank back in 1996 and that I owe them $20,538.95. I never had a loan with them. Due to this, my credit is shot. Can someone tell me how to fix this? You can e mail me at **.

I just received another collection agency letter from "RJM ACQUISITIONS," located at 575 Underhill Blvd., Suite 224, Syosset, NY 11791, that I owed $7,375 from First USA Bank Credit Card and they are offering a settlement. Somehow, they have my address and a couple of digits of my Social Security number. I never had a credit card from First USA Bank. This is the third collection agency sending me a similar note in the past couple of years. I ignored the previous ones; however, I am concerned and would like to know if there is anything I can do to stop such scam.

The collection company says I owe over 17K on one of our credit cards. I cannot find evidence of having a card from your bank. They will not supply any specific details. I have had a bad experience with another agency which was proven incorrect.

My husband and I are applying for a home loan. Upon running a credit check, the bank found an unpaid balance with First USA Bank dating back to 2002. All they could give me was the account number **. My husband's name is Richard Alan **. The last 4 digits of his social security number is **. My name is Angela **, with last four digits of **. Our address has been the same since **. Please let me know why this debt is showing up on our credit report. We do not owe First USA Bank any money. This is making our credit record look bad, especially since we are trying to get debt free and get this house loan. You may call me on my cell phone ** or by e-mail **. Thank you for your prompt attention to this matter.

I have been living abroad for the last 15 years. After returning to live again in the US last June, I was very disappointed to find that my credit history had been basically erased from the Equifax and Transunion offices. Fortunately, Experian has kept my history and credit score of 775. Unfortunately, this does not seem to be enough, even to obtain a simple credit card. To obtain a current history from the other two credit reporters, they have requested that First USA, a credit line I had established on 9/1/1993 of $15,000 for a car loan, send them the confirmed credit history. My previous address before moving abroad was **. Could you please look into this issue as quickly as possible?

Unauthorized credit inquiry from First USA Bank. I reported unauthorized credit inquiry to the US Federal Trade Commission at https://**. I contacted credit bureau by phone to remove the unauthorized check record, which was not helpful and refused to modify the record. Filed a dispute with credit bureau by a computer online.

First USA is a corporation that I have not and will not do business with and I wonder how a corporation that is not in business with me can request a credit report. Where did they get the information for the report and what information do they receive with the credit report issued to them? I constantly receive phone calls about reducing my credit card debt. They hang up when they learn that I don't have any debt. Looking at my credit report, the only one making a credit request is First USA that has no business with my credit history or SS number.

First, USA continuously calls after repeated requests to be deleted from calling list. I registered with both National and State Do-Not-Call lists. They call from NV, MN and now FL. Time to call House Rep and State Attorney General.

A check was forged in my name and used to try to open an account at Wells Fargo. Fortunately, the fraud dept. there caught it and called me. This is a balance transfer check that I never received. I called Chase Fraud as they are supposedly associated with First USA and they were most unhelpful.

I have relieved repeated unsolicited phone calls by your card member services. I am on the Missouri and US no call list. If this practice continues, I will file a complaint with the Missouri Attorney General.

I just received a call from a collection agency, saying that I owe over $400 on a card, that expired in 2005. The collector's name was Don **. He was rude, and intimated that I was lying constantly. He talked over me constantly. I pay my credit card bills every month, as soon as the bill arrives. He said my account had been sold to some other company (I know this ploy), and that they have been trying to collect for 6 years.

This is the first time I have heard of this. I strongly suspect that it is an attempt to rob me. The Credit Card is a Visa, ** , opened in 1991, and the last payment was made on 10/14/2005. This Don ** person said, my credit was at risk.

I had my credit report checked in conjunction with a home loan application and discovered that a credit card from First USA was listed with a balance of $8,050. I have never had a credit card from First USA. How do I get this information off my record and start a fraud investigation to find out who has a card in my name?

I can not find First USA Bank's phone number to have me removed from an unauthorized used, with high credit limit, on the card that had been lost many years ago which still shows on my credit reports!

On 12 June 2010, First USA Bank made a hard inquiry to Equifax. I don't know if this is connected with Chase Bank or with another issuing bank on a credit card. I have looked on all my credit cards and I don't see First USA Bank or Chase. At my request, my account with Chase was closed on 03 August 2010 with a zero balance. I contacted First USA Bank and Cynthia ** couldn't find my name or SSN in their system.

First, USA has repeated the inquiries about my credit that I didn't authorize. A total of 15 over the last 22 months. How do I get them to stop?

I received a credit denial letter on 11/20/10 from Chase bank, dated 11/16/10. I have not applied for any credit in over a year, and never with Chase! I pulled my free credit report at Equifax via fraud alert on 11/20/10, and saw that First USA bank made an inquiry on 11/12/10. I called Chase today and talked to Michele in the fraud (Lending Services) department, referencing the denial letter's reference #. She indicated that someone applied for this account at a TJMaxx or related store. I signed up for the 90-day fraud alert at Experian website on 11/23/10. Hopefully this goes no farther than this.

I also demanded that Chase/First USA alert the credit reporting agencies that this inquiry was fraudulent and not initiated by me. I wish death penalty for any and all involved in identity theft! I will be happy to pull the switch on the electric chair / needle injection machine. Enough of this ** crime, it's time to get tough on these ** who intentionally screw over honest people! Because of this, my blood pressure has gone through the roof.

I just checked my annual free credit reports from three agencies. I have not done this in several years. I was shocked to find First USA Bank checks my credit frequently. I have no dealings with Chase Bank or First USA Bank. I have no idea why they are frequently and without my permission, checking my account. That lowers your credit score, doesn't it? I am fairly upset about this. What can I do?

First USA NA ran a credit check on me without authorization. I am sure this is against the law.

I checked my credit report, to find a hard inquiry by this "bank". After reading other blogs, I'm worried they will mess up my credit score. I recently applied for a Chase card, seems Chase is selling info to 3rd party junk debt collectors. I got a negative mark on my credit report from the hard inquiry.

After viewing my credit report, I saw that First USA had viewed it as well on 7/21/10. I questioned this because I didn't open any new accounts nor was I trying to open any accounts. So, I called them. The customer service rep that I spoke with informed me that they were affiliated with Chase. I told her that I had two accounts with Chase and never once have I seen any correspondence from First USA Bank.

She continued to try and tell me that she was affiliated with Chase. She then asked me for the last 4 digits of my card number. I gave it to her. She then asked me for the whole number. If she was affiliated with Chase, she should have that information. She already had my full name I told her. She then told me that she wasn't able to pull up the information with just the last 4 digits of the card number. She then asked me for my social security number.

At this point, I was through. I told her that I was calling Chase to find out if they really were affiliated. I wasn't giving her my whole card number and difinitely not my social security number. She still continued to say she was Chase. Well, I called Chase and they told me that they were not affiliated with First USA bank. What kind of scam is First USA trying to pull? I then do a search and I stumbled upon this website and I see everyone else' s complaints which is similar to mine. Is it legal what they are doing? How can we stop them from viewing our information?

I always keep an eye on my credit score and today noticed there had been an inquiry by First USA Bank ON 8/17/2010. I did not authorize this nor do I have any dealings with this First USA Bank.

Like several others, I checked my credit report only to find out that FUSA has been running a credit report on me every month for over a year. American Express has been doing so every 3 months for a year. I don't do business with either company and don't intend to. I have now frozen my credit reports and hope that stops them. I wish I had known of this sooner. It's no wonder so many people are having trouble with identity theft.

My Triple Alert from Experian notified me that your bank requested my credit report with Equifax recently and that I approved it. I did not approve it. Is someone trying to open a credit account using my identity? Let me know immediately at the above email address.

I pulled my credit report and Experian lists First USA checked my credit report each month from Oct 2009 - Jan 2010. I have never had any direct dealings with them and I do not know any reason why they would be checking my credit. I see others have reported the same problem.

Unauthorized credit report pulls. Call the Credit Reporting Agency and have them remove it (all of them). I did with Equifax and it was removed immediately over the phone - I did first start a fraud investigation and then called. Tell them First USA Bank has been inactive since September 17, 1999 according to the FDIC. This is a junk debt buyer using the name of a bank that does not exist anymore to access your credit report - they do not pull it as a credit collection inquiry but as a credit application inquiry. Hope this help you all. Even though it was removed, I am going to discuss this with an attorney.

Beware! I got an unauthorized credit inquiry from First USA Bank on Equifax. It is the Collection Agency Asset Acceptance doing this. I have had no business at all with First USA. Check your local court site regularly to see if Asset Acceptance and/or First USA is trying to sue you for a debit you do not owe or is beyond the Statute of Limitations by using fraudulent tactics. They will do this without sending you notice of the lawsuit.

I went on to Experian to check my credit report and found 11 entries from this First USA spanning from 2008 until last month. I own no credit cards, I own no store cards, I have not applied for any loans, and I owe no money. I feel there may be an issue with identity theft, so I placed a complaint with the FTC. I don't want my report touched by some organization that has no right or actual need for my personal information. Unfortunately, I am at a loss as to how to stop them. Please help educate how to prevent this. This economy is difficult at best.

If I was in need of a loan, how unfair that this First USA has hindered my credit score by its plague of unwanted queries. Why would they need it? I feel threatened by them and astonished that this is allowed. Now that I know the reputation of this First USA and that I am not the only one. I feel frustrated that this is still going on. Please help.

First of all, Ms. ** is a supervisor. I received a call from the fraud division on behalf of my son, who is a diplomat with the United Nations, currently stationed in Nairobi, Kenya. He planned to purchase airline tickets for his home visit, and called the First USA credit card twice (5/7/2010 and 5/8/2010), advising them of his plans. The people at the fraud division indicated that unusual charges occurred (i.e., purchase of airline tickets). I explained that he is in Nairobi, Kenya, and that such purchases were valid. I offered to provide them his cellphone number, which they declined to take with the explanation that they could "not verify the number". Logic dictates that one verifies the identity of the person being called, and not the phone number, so this explanation is simply a "lie".

I was told he could call a US number collect. These people need to be informed that collect calls simply do not exist in many parts of the third world, but these people seem to be oblivious to this. They work very hard to be as uncooperative as possible, and need to be held to account for their actions, as well as the time and money consumed doing their job for them. The consequences include the costs of making unnecessary phone calls, as a result of illogical lack of cooperation on behalf of First USA Credit Card.

I wonder how many others will be getting the same notice I and another person have had. I received a letter on 6/5/10 saying First USA is closing my account effective on June 30, 2010 due to "Bankcard balance grew too fast", "Few accounts with time on file more than 36 months", "total available credit on bankcards too low". They suggest I contact Experian, which I will. It has been a couple years since I've checked my score. This happened to me years ago with Chase Bank and I'm still paying it off at a too high rate. I love credit debt. Considering the number of complaints against First USA, I'm surprised there isn't a suit against them, I hope there will soon be.

I received a letter stating my account would be closed on June 30th. The letter stated that First USA did a credit inquiry and decided I had too many open accounts. I actually have less open accounts when I applied for and was approved for the card. This account has always been in good standing, as are all of my accounts, so I see no reason for this arbitrary decision to close my account which will impact on my credit score. I was not afforded the 45 day notice of a change to my account, which is required by the new law.

I acquired this card through another bank. Had I known I was to be dealing with First USA, I may not have accepted it in the first place. I recall, many years ago, having a bad experience with this creditor. I did the closing at that time. I can truly state I will never to business with this company again. I don't know how First USA is affiliated with Chase, but what I do know is anything with either of those names on it will never get another cent of my money. Fortunately, I am in a position to pay off the card. But I am certain it has an impact on my credit score.

First USA Bank issued an unauthorized credit inquiry. I have contacted Equifax but this is fraud and someone needs to do something about it. Equifax has a program that will stop credit inquiries unless authorized by me. I suggest everyone do this.

Just like so many people here, I've had several unauthorized credit requests from First USA, eight since 2008. I just learned about this from a free credit report online. And, I have never opened an account, banking or credit, with JP Morgan Chase and affiliates. After several phone calls, I've been instructed to send a letter to Chase (aka Bank One aka First USA) to put a stop to the requests. I'm going to include the free credit report as evidence of unauthorized requests. Here's the address if you're interested: Chase Card Services Credit Bureau Corrections Department P.O. Box 15298 Wilmington, DE 19850-5298. This address was given to me after contacting the Chase Fraud department at (888) 363-2811.

I have been a loyal customer of US Bank since before they became US Bank. I had a credit card with them that had an $8,000 credit limit on it and I had usually only charged up to about $3k-$4k and then paid it off with annual bonus from my company. I suddenly received a letter from US Bank informing me that they were lowering my limit due to negative activity on my credit report (one 30-day late MTG payment). The reduction lowered my credit score, so they then lowered it even further to $4100 which nearly maxed out my card. When the interest hit, I went over my limit and was charged fees. All of this caused my credit score to drop even further. I'm trying to pay this thing down and get my score back up, but it seems to be a losing battle. My credit score went from 680 something to 527. I'm losing lots of money in fees and my interest rates are climbing. This is destroying me financially and I'm doing all I can to fix it.

I pulled my credit reports today and found out an inquiry that I never authorized. I have no idea who these people are. And since the inquiry was ran on 4/21/2010, I certainly would remember. Apparently, I am not the only one this is being done to. Clearly, it did more damage to my credit score.

First, USA keeps doing a credit check on me. I've never done business with them that I know of. I can't find a phone number to contact them. How do I get them to stop this? I have read the other comments and I see they are doing this to a lot of people. Please let me know what to do.

I have a civil judgment on my credit report from First USA and I've never dealt with them ever. It states that this has been sent to the county court. My county court has no record of such judgment, nor does the county clerks office. How do I get this resolved? I'm trying to purchase a home before the stimulus is up. Please help ASAP!

I've never done any business with First USA Bank, have never applied for anything with them. I got a notice that something had changed on my credit report. First USA Bank had checked my credit. Why do they do this if I've never done business with them? How can I stop them from doing this? Only the worry was when I was notified my credit report had changed in some way.

First USA Bank is continually checking my credit reports. I have not authorized these inquires nor do I want anything to do with their bank or services. How can this be stopped? When any company/business searches a personal credit report every merchant is notified about such a search and will lower your rate on a credit score. How can this be stopped?

First USA has requested my credit report 8 times between 06/2009 and 01/2010 without my knowledge or consent. I have never to my knowledge had any dealings with First USA. I would like to know how to stop this practice. Help would be appreciated.

This organization has been getting my personal credit report each month since December 2009. Prior to then, they have requested my credit report every two months from 10/08 to 10/09.

This company made an unauthorized credit inquiry on me. I want an explanation.

First USA Bank pulled my credit history/check without my consent. I never requested them to do so. Moreover, this is the first time I am hearing about this bank. What can I do to stop this bank from doing so again? Where could I complaint?

I was refinancing on my car loan and the person helping me let me see my credit report and on it was First USA, NA Banking that pulled my credit report twice in two months, once on November 10, 2009 and again on January 27, 2010. I have never given them permission to run a credit check on me, nor did they ask me if they could. It is my understanding that if your credit is run more than once every 6 months it affects your score, and my score is down 50+ points now.

Without my knowledge or permission, they ran a credit check on me. I am in the middle of a mortgage refinance and I have to write a letter stating why this is on my credit report. Isn't this illegal?

I got a copy of my credit report and they decided all by themselves to post a request for credit. I am a victim of Identity fraud and it is unacceptable for this company to do this. I want them stopped.

I am writing because this bank ran my credit and I never requested a credit card or have ever contacted them. It will affect my credit score.

This bank has run my credit twice in November without my knowledge. I have never had any dealings with them and do not know who they are.

The First USA Bank keeps on requesting copies of my credit report. They did it on January and March 2010. Why are they doing this?

This bank made a hard credit inquiry via Equifax which just showed up on my credit report. I have never had any contact with this company and I certainly never requested that they provide any service to me. I think this business approach by a bank should be punishable by law and I think that a company like Equifax (or Experian or TransUnion) should be held responsible for allowing such activity to take place. As usual, a hard credit inquiry has a negative impact on you credit score with the specific reporting agency. In addition, once such a request is lodged with, in this case Equifax, the consumer cannot get it removed for up to 2 years even if you dispute the item with the agency. Ridiculous!

So far, nothing except the potential to ruin my credit score.

I have never done business with this bank. They have reviewed my credit every month for the last 2 years. Is this information being shared with telemarketers?

Today when I accessed my credit report, I found below bank had inquired my credit report. I don't have any account with this bank and furthermore I have nothing to do with bank. I have no idea why this bank inquiry of my credit report.

I recently ran my annual credit report and discovered First USA Bank has requested my credit history seven times from November 2009 and the most recent request was January 2010. I do not have any accounts with this bank and did not authorize this bank to run a credit report. This has lowered my credit score and hurt my credit.

I recently ran my annual credit report and discovered First USA Bank has requested my credit history seven times from March 2008 and the most recent request was January 2010. I do not have any accounts with this bank and did not authorize this bank to run a credit report. I have concerns that these unauthorized requests for my credit history will affect my credit score.

This bank is making frequent credit inquiries. I have no business connection with this bank nor do I wish to have anything to do with them. This can probably damage my credit rating.

This company is requesting my credit information each month for over two years, even though I no longer have an account with them. In fact, my account was closed at my request and paid in full. I want them to cease this activity at once. This is affecting my credit score. Can you help me?

There is no address or phone number on the letter sent to me. I tracked down a customer service number, and called them at card member services (3rd party vender). The problem is that they show me as having an active charge account, when the only account I ever had with them, was closed years ago. They refused to properly close this account. This opens me up to fraud, by leaving this account open, and negatively impacts my credit score.

I noticed that this infamous bank has started requesting my credit report. On your site are numerous complaints about this activity by this bank. Does anyone know how to make them stop? I have no accounts with these people. These inquiries will lower my credit score.

I just looked at my credit report from Experian. It shows monthly inquiries into my credit. I do not have an account with First USA, nor have I authorized them to make inquiries. This activity started 9/21/2008 and has continued monthly on the 21st day of each month. I see there are many others who have registered this same complaint here on your site. How do I get them to stop? I am afraid this is adversely affecting my credit rating, and could develop into a much worse scenario.

I checked my credit report and noticed this company has ran my report monthly from February 2008 through January 2010 (present). Why is this company allowed to run my credit monthly? I do not have any accounts with them. I am afraid they are lowering my credit score or at the very least selling my information to the highest bidder.

First, USA has run 8 unauthorized credit checks on me in the past 12 months. Most recently being January 2010. I have no line of credit or credit cards with them, nor have I applied for any credit recently. It has negatively affected by credit rating and I have no idea how to contact them or make it stop.

I signed up for paperless statements with my credit card company and hence stopped receiving paper statements. The company would send online notification 10 days after the statement due date. Even if I paid on the very same day of receiving online notification, by default I would be late by 10 days.

They said that my husband opened a checking account which I know is not true because he don't even run a computer, but when I called and tried to ask about it, they wouldn't tell me anything because I wasn't on the account. They have his SS number and name but they said that the email kept getting sent back to them. I told her that we didn't want this account and that we have a bank that I never or he never activated anything.

If I get charged for this, I will be pissed because I have no clue who this is and I never even heard of them. If they got into my computer and got my personal stuff, I will sue them because I did not sign up for this crap.

My Equifax account showed several inquiries into my credit history by First USA Bank, Brooksedge Blvd, Westerville, OH - no phone number given. I was dismayed and very concerned that this was the result of fraudulent activity. I see that many other consumers have posted a similar complaint at your site. I want to share this info with other consumers. After much research about First USA Bank at 800 Brooksedge Blvd, Westerville OH, no good results for First USA Bank at this address. I discovered that this is really CHASE and I realized that I did request an Amazon.com credit card, so the inquiry was legitimate. Here's a phone number for Chase 614-882-6051 (haven't used it yet).

In checking my credit report, I found an unauthorized credit inquiry, dated 12/14/2009. Whenever I tried to obtain a telephone number from the address listed, I was told there was no listing for this company. I god a negative report on my credit.

I was approached by an individual who works for a credit card company and wanted to launder money using my credit card from USA bank. I reported to the police and was advised to play along with the person who turned out to be a real person. I have the name and the number of persons involved. I told the person that there was an investigation going on and had my card shut down.

I tried to tell First USA Bank, but they did not care. I also spoke with Bank of America where the money was drawn from, and they did not care. In the meantime, my credit cards were shut down by these persons. Nobody involved wants to know for some reason. These guys are high up in a card company and were not happy with their commissions and wanted to take money from the company and filter it through my credit card.

First USA Bank ran an unsolicited and unauthorized credit check through Equifax on my credit. Resulted in lowering of my credit score

First usa Bank made unathorized enquiries into my credit reports

I found a FST USA Bank credit card listed on my credit report that I have not applied for. I have not been able to contact the company.

I got an alert from Experian that this company did a credit inquiry on my credit. Experian had it listed as an authorized credit inquery, but it was NOT authorized by me at any time. This took place on 12/14/09.

Did an unauthorized credit check on my credit on 12/01/09. I'm afraid it will lower my credit score.

Unauthorized credit check.

I had an inquiry about First USA Bank on my credit report. I didnt apply for any credit card with this company at all. And I dont remember authorizing them to get my credit report for that matter. I dont know how to stop this.

I recently checked my credit report with Equifax and realized that some company called First USA Bank had made 3 hard inquiries on my credit report. Two of the inquiries are made within 13 days time frame. I have never heard of them before and did not even know what this company was about. Apparently this bank pulled my credit file without my permission. I filed a dispute with Equifax and in their response they indicated that "inquiries are factual record of file access" and I "should contact the creditor" if I feel that this was unauthorized. The address Equifax listed does not reflect a phone number.

Is there anything I can do to have these inquiries removed from my current credit report? As far as I can see here I'm not the only person affected by this scam.

I want to refinance my home. I checked my credit score. It was a few points shy of the 750 I need to get the rate I'm looking for. Knocking below 750 is a "hard inquiry" performed by FIRST USA in 06/2008.

I have no relationship w/ FIRST USA that I know of. Why are they checking my credit? I googled them. The internet is afire with stories similar to mine. Who are these creeps?

ran my credit report without my permission. lowered my credit score

I paid off my balance. they are charging on a zero balance.

Since May, 2008, First USA Bank has performed 5 inquiries in order to view my credit report. I have never applied for a card from this institution. Why do they keep requesting to access my credit report. I feel as though if this practice continues, my credit score might be negatively affected somewhere down the road. Is there something I can do to stop this practice or have these inquiries removed from my current credit report? Thank you

Run my credit report without my permission. Would lower the credit score through this inquiry.

I experienced the same issue as many of the emails posted on your site about FIRST USA BANK doing a credit check on me without authorization. I received an alert from Experian that they did this, and I am unsure what the consequences might be (e.g., could that affect my credit rating?). It seems there are hundreds of people claiming this happened to them. Do I have any recourse to keep this from happening again? Is there a suit pending on FIRST USA BANK to keep them from doing this?

First USA credit card is terrible. I have already filed bankrupcy more than 10 years. They send my case to the collected agency and the collected agency is still bothering my life. They called my home without saying any thing. Use some kids to bother your life.

I experienced the same issue as many of the emails posted on your site about First USA doing a credit check on me without authorization. I received an alert from Experian that they did this and I am afraid it will affect my credit rating. It seems there are hundreds of people claiming this happened to them. Do I have any recourse to keep this from happening again? Is there a suit pending on First USA to keep them from doing this?

This company requested and received an inquiry from a credit reporting agency without permission. This is not a bank I have ever conducted business with

They ran an unauthorized credit report on my wife and me on Aug 1, 2009. From the other complaints, this seems to be their MO.

This bank pulled my credit without my permission. The address Equifax listed does not reflect a phone number and information does not have a listing for this bank.

I recieved an alert from Experian that a change had occurred on my credit report. When I looked, I saw FIrst USA BANK had run a credit check on August 27th. I have no Idea who this bank is therefore, have certainly not authorized a credit check. Please advise how I should proceed in ensuring no one opens an account in my name with this financial institution. impact to my credit score and possible fraud.

My credit card has $4,821.53 balance left on it. My paymets have been around $100 every month. Now my minimum payment is $241 - they say they are calculating it at 5% of balance instead of 2% as in the past. How are we supposed to manage our money these days? when a credit card company can change the rules on me after the fact and change it by 140%? Going from $100 a month to $240 is a huge difference.

If all my credit cards do this to me, I will not be able to make all the payments. My Finance charge is $20.44 and minimum payment is $241.00 - makes no sense at all. How can I be forced into this? I did not agree these rates when I took out the loan, I would not have taken it if that were the case. So really how do they change my loan payments on me after the fact?

The economy is hurting, people losing jobs, taking pay cuts, ect... and the credit card company makes it harder? its not like my payment increased by 5% or 10% this is 140% !! increase on a loan that was pre-negotiated.

Please remove my posting on 3/12/09 for First USA Bank asap. Thank you

You rather increased my rate largely, put fees that should have been on it and then proceeded since I have always paid you unknown reasons why you should truly have cause to cancel.

I had the First USA credit card, later I legally discharged all my credit card debt by bankrupcy. However, this First USA still send my file to collector. Now they still are bothering my life. This is 10 year ago matter. It is not fair. Please do not trust this credit card company. They do not follow laws.

In 2003 I had a balance on my First USA Bank credit card for $513. After that time I filed chapter 13 reorganization and will late fees and interest, the balance exploded to $10,922.00. I have tried unsuccessfully to get an answer from First USA Bank. This has damaged my credit tremendously since it is a judgment / lien on my credit report.

I received an email alert from my credit report company today advising that First USA Bank was requesting for my credit history. I have never had any contact with First USA Bank and never applied for a loan or credit from them. It greatly concerns me that they are pursuing my personal credit history without my knowledge or authorization. Do you know who I can report this infraction to?

I got an e-mail from Experian that an inquiry was made and was on my alerts with them. I found out it was First USA Bank that made the inquiry. There was no explanation as to why there was an inquiry. The only reason I can connect to this inquiry was that I opened a Pier 1 account the day the inquiry was made. Last year, I had Lifelock put fraud alerts on all my accounts. Maybe that's why First USA made the inquiry. I think it's insane that neither Experian nor First USA can give me a reason why the inquiry was made!

I have a Chase Business Credit card, 2 weeks ago they lowered my credit limit from $25000 to $10000 due to " low" usage of the credit line. In their letter they stated that they believe that I don't need this high line of credit, therefore they have lowered it to $10000. I called and asked them to change it back to $25000, since I am afraid that this may neg. effect my credit score. They said quickly they will look into it and I should receive a notification within the next 10 days about their decision.

Today, May 12, I received a notification from EQUIFAX that they got a 'hard' inquiry from FIRST USA BANK which I did not authorized. Is this a new way to get access to credit reports? First you lower the credit line significantly, hoping the costumer will call, requesting some kind of action, like reinstating the original line of credit, which in their mind gives them now the right to make a 'hard' credit inquiry.

BTW, I never had a balance on this card, other than the grace period. I payed every balance in full every month since we have the Chase card. This is also true with all my other cards. Current rating is 796.

This is a VISA card my daughter has. This company markets to college students. She went over limit last month by a few cents when her finance charges of $20 something hit. Her fault. She was charged a $37 overlimit fee. I went online and paid the minimum due. I ran the numbers it should have been fine. AFTER the statment dropped she was charged additional fees of $74...not refected on her statement. She paid minimum which of course does not reflect the additional $74 her statment says minimum due is $49.48. They keep adding on fees AFTER the statement drops so if she goes by the statement she can NEVER catch up.

She has not used this card since the first time she went over limit. Shouldn't the fees be added on at the time the statement drops so it's part of the info she has to pay. timimg seems to be off, well not for them, it's in their favor. Two months this has happened, this would have been the third month if I had not pulled it up online she would have once again been charged additional fees because she isn't catching up.

This all started due to .48 cents. She was afraid to mention it and being her first card was confused as to how the finance charges work, but felt this wasn't right. I am glad she broke down and ask. I would be a lot of student don't so this company is able to take advantage of their imaturity. So far, Brittney, a first year nursing student living on her own has paid out $100's in fees....she does not have that kind of money and quite frankly neither do I.

My bank card numbers have been stolen multiple times. I have had to get so many new cards I have lost count.I am sick of the bank having to appologise for all the inconveniences. At the moment I am down half my wages because the bank have paid out money taken fraudulently through my new card. They also had to cancel my one and only bank card while I wait 7-10 days for my New card! Its just ridiculous!

My bank card numbers have been stolen multiple times. I have had to get so many new cards I have lost count.I am sick of the bank having to appologise for all the inconveniences. At the moment I am down half my wages because the bank have paid out money taken fraudulently through my new card. They also had to cancel my one and only bank card while I wait 7-10 days for my New card! Its just ridiculous!

I have no connection whatever with this bank. However, they made a credit inquiry (not authorized by me) to Experian in September 2008 that resulted in my credit being downgraded by that credit agency. I was able to locate First USA Bank address and phone number on the internet (see above). I talked to a pleasant customer service rep who will send a letter to all three credit agencies explaining the situation. She promised that a copy of the letter will be sent to me in about a week. Here is the phone number that I used to reach them: 302-594-8200.

Unauthorized credit report check. Affects my credit report rating.

I checked my Experian Credit Report and I have had 24 hard credit inquiries over the past two years. I have never had an account with them or Chase. I am not sure exactly why they are doing this. I do not want to contact them as I believe they want to get me to sign up for a credit card or something. I am afraid this will affect my credit report and am going to check my other credit reports.

Appeared on my credit report twice. Never heard of them. This has caused my credit to have too many inquiries causing no funds allowed. How can I get them removed. Ruined my credit report!!!

First USA Bank performed an unauthorized query on of my credit report. I did not authorize this company to do this. I do not even know who they are. Can anyone tell me what I can do to get this off my credit report?

Worried about too many inquiries. I have a good score and do not want it affected.

I was contact by a 3rd party company stating that I have a civl suit against me in the amount of 3400.00 on a card card account that was closed out in late 90's. the card was open up in about 1995-96. It was charged off by first usa in about 1995 howeever they are now tring to sue me for this charge off. In texas we have a no detors state. How can they sue me when it was a charge off? Is this legal. how can they sue me for something that is not on my credit from nearly 13 years ago.

lawsuit 3400.00

First USA Bank did a inquiry on my credit report on 03/16/09 which is not authorized by me. If any has a phone number to this bank please let me know. I have get in touch with them. It affecting my credit score.

I have a hard credit enquiry made on my Experian file by Frist USA Bank on 09/04/2008. That enquiry was not authorized by me. I have never had any accounts with them and it has affected my credit score negatively. I am having a very hard time getting it off my Experian file as Eperian does not allow you to disput credit inquries on a phone. I have sent them the disput form and all the other requested paper work but still 6 months later it shows up. This is not the fiorst time first USA bank has requested an inquiry and I am now very annoyed about it.

Due to this fraudulent inquiry my credit score was affected negatively and I have spent a lot of time and effort to get this corrected but still have not been able to get Experian to take this off my file. It has caused me a lot of stres and scared me into thinking that my SSN number might have been stolen since hard inquires are supposed to be requested by the consumer, in this case me. I have had to spend a lot of money on purchasing credit reports and credit monitoring services to be able to dispute this item.

Unauthorized credit inquiry on 1/31/09 and 2/29/09 listed on Equifax credit report. I have no business with this bank and never authorized First USA Bank to view my credit report. I will be checking with the two other credit reporting agencies to see if they are showing this same inquiry.

Denied credit from REI due to excessive inquiries on my credit report.

My TripleAlert credit monitoring service showed: The following inquiries are hard or voluntary inquiries and were generated because you authorized the companies listed to request a copy of your credit report: Inquiry date: 03/03/2009 Business name: FIRST USA BANK I did not authorize that business to request a copy of my credit report. I have had no contact with a business named FIRST USA BANK.

This could affect my credit rating.

This financial services corporation requested a credit report on me 2 months ago. I never gave them permission or have a credit card from First Usa

I am not sure but I expect from good credit score has been compromised due to the fact they requested this for no good reason and without my permission.

They have consistently pulled my credit the past couple years. I do not have an account with them, and all three bureaus have my file blocked for promotional purposes.

This is an addendum to my 2/22/09 complaint. I have just learned that not only did this bank obtain an unauthorized credit report on me (11/26/08) from TransUnion, but they also obtained 2 unauthorized reports on me from Experian (12/18/08 and 12/21/08). Unbelievably obnoxious!

Am sure this, too, will lower my excellent credit rating.

This company has pulled a credit report on me without my permission, and I want it followed up on and off of my credit. This is dropping my credit score tremendously, I have not had credit of any type in years, all paid in cash.

I pulled my credit report and discovered that Fisrt USA, NA has made over 10 inquires to my credit. I don't have a card with them, so I not sure why this has been done.

This has caused the credit card company, whom I do have a card with to lower my credit limit.

This bank has requested and received a TransUnion credit report on me. I have never authorized it -- I have never even heard of them. I have had credit cards since their inception -- many decades. I have never made a late payment, nor have I ever carried a balance due to the next month. I have never had a loan nor a mortgage -- I pay cash for my homes and cars. What gives them the right to have my info?

I'm sure this has lowered my excellent credit rating.

My payment for January was due on January 11th. Because it was on a Sunday, I has (wrongly) assumed it would be considered on time with a payment on Monday, January 12. In fact I even paid a $14.95 E-Pay fee to get what I assumed as on time. My February statement came and they charged me a $39.95 LATE FEE and upped my interest rate from 17.9 to 27.9. I called to ask for help. And the first two folks I spoke to felt bad and even started the proicess of waiving late fee and reducing rate.

Until I got to final person, who told me there was nothing he could do and I have to live with new APR. As we bail them out (First USA is owned by Chase), they have no shame. I will be writing to my congressman, my senators, the BBB, Atty General, and media. I am outraged.

This has caused significant financial stress.

This company has performed a hard credit inquiry without my authorization. I was notified through tripple alert credit monitoring service. am I correct that they may not do this without authorization? I believe this is not legal. Am I mistaken?

Lower credit score affecting my capacity to obtain future credit.

I'm going through a refinance and just found out that First Usa made an unauthorized inquiry into my credit in October 2008. Why? I don't currently have a First USA credit card. I used to, but I cancelled it 10 years ago.

It could be detrimental to my credit standing and lower my credit score.

This bank has pulled my credit report 5x in 13 months and i do not even have there credit card or have applied for one my credit score has dropped to a low level that i do not qualify for a loan because of to many inquires.

Last week(12/1-12/7) wife was in Hospital. Didn't get to computer to make pmts. until Saturday night (6th). Noticed overlimit fees, late payment fees, & new rate up fm. 7.99 to 29.99%. Freaked out & paid 2x what the new pmts were, & called this morning (mon.) spoke to a guy in india who waived the late charges AND the overlimit fees (which had solely been arrived at compliments of the NEW %rates AND the late fees, not actual charges) & was ASSURED to simply call back 2nite when wife (primary card holder) could verify, the former rate would be restored on BOTH Cards.

Tonight I was told JUST THE OPPOSITE & that we are screwed. We can not afford $1200.+ per mo. on these 2 cards, & I will not go quietly. It's not about being LIED to, it's about fairness. These cards have NEVER had a late pmt previously, limits were reduced by bank (ergo overlimit fees) & after 2 years of always paying 2x or more, than minimum, ALWAYS Paying early & often 2x-3x per month...after a medical catastrophe, this is the thank you for Your business we receive? How come Credit Card Companies can charge more than PAWN SHOPS?

inevitable bankruptcy if they don't reverse this position tomorrow.

I received a credit report and found a First USA credit card listed with a $1900 balance and a claim I opened it in august. I have no idea what this card is!

I just received a phone call from a collection agency telling me I have a $10,507.02 debt with them from an account that was opened in 1993 and was charged off in 2004. I have not received any bills from this credit card. I have NEVER received ANYTHING from this collection agency (Midpoint Resolutions Group) in the mail. I have repreatedly asked for a dunning letter and proof that the debt is mine and they have refused. The account number does not show up on any of my credit reports for the last 20 years.

I have repeatedly explained that this is not my debt and to send me proof but the collection agency refuses to comply. All that I have been able to get out of them is that the bill is from First USA. I am afraid that my identity has been conpromised and these people refuse to help. All they say is, The bank wants it;s money. I don't know if it's First USA being crooked or if some stole my identity. Either way, I am not getting any help from First USA or Midpoint Resolution Group. I have a VERY good credit score and these people are going to ruin it with a fraudulent debt.

i got a levy from my bank stating that first usa took out three thousand seven dollars and sity seven cents out of our checking account because they said that i owed them over six thousand dollars the thing is i never opened account with them i never even heard of them before

so now my house payment is insuficient and my car payment and my phone bill and that is a total of two thosand and three hundred dollars plus i am not working i stay at home because i have a special needs daughter my husband is the only one working so actually the money that was in our account is his my name is also on the checking account if someone is going to contact me please call me after 2pm thanks

I call on 04/18/08 (payment due date 04/30/08) and spoke to customer service rep at First USA Credit Card customer service department, in regards to my Annual Percentage Rate (APR), which was now 20.24%. I had a 0.00% prior to the rate increase. The rep told me that because I use the check that was mail to me it is consider a CASH ADVANCE and that their rates on cash advance is 20.24%.

I inform her that it was impossible for me to make a payment of $560.00 and ask if I could have a lower interest rate. She informs me that she was not able to do so at this time, but to call back the following month. I had credit score of 770, automatic bill pay setup on the account and was never late on my payments. Nevertheless I call the following month as was told that they will not be able to lower my interest because my account was now pass due. Which automatically increases the interest rate. Absolutely ridiculous.

my credit is now wreck, and First USA in treated to sue me. They have been calling me every day several time a day. I'm completely stress out over this matter. I have several other credit cards that are all current and never late.

Accessed my credit report without my consent and knowledge. Inquiry dated as of 07-01-2008 on Equifax Credit File.

Results: Identity Theft Victim. Working with Law Enforcement Agency locally.

My husband started getting bills from a collection agency (Palisades Collection, LLC, another letter for another time) several years ago, requesting a payment of $10,000 for an old credit card debt - through First USA. We filed disputes each time, asking for details of the original account ( all we have is an account number that does NOT come up on any of his credit reports.). AT the same time we wrote to First USA for details of the account . First USA did not reply at all. Palisades, however, sent one letter per year asking for the same $10,000, until this year, when the bill went up to $22,000 ... and a photocopy of the original application was attached. It was complete with the signature forged. This was dated June 2, 1994! It also included a balance transfer request for $29,000.

Our response this time is to point out that this is just an APPLICATIION , and we still need verification that there was an actual account involved. My thoughts are that First USA is selling its imagined accounts (which so many others have reported about here) to collection agencies now! I guess I really need to learn what the NY state laws are on this, and find out what the statute of limitations is, also.

Just time lost trying to figure this out and write appropriate letters.

I was allerted by Equifax Credit Watch that they made an UNauthorized inquiry into my credit history. HOW DID THEY GET MY SS#?! What right have they to invade my personal privacy?

The number of credit inquiries made affect my credit rating. I am also VERY concerned that they have my SS#.

Several years ago, I got a credit card from First USA Bank. I was paying the monthly bill unitl I suffered financial hardships. In 2004, I moved from White Plains, New York to Stamford, Connecticut. I teach in Manhattan. In June, I discovered a letter from the New York City Department of Payroll. The letter said that a judgement was made against me in May of 2005 for $19,000. The letter was from the City Marshall in Queens. It said that my paycheck was going to be garnished.

When I called the Msrshall's office, they gave me the phone number of the attorney for the plaintiff (First USA). The office said they could not talk to me. I had to go to White Plains Courthouse to get the court papers. On July 2, 2008, I met with the White Plains Clerk who gave me Order To Show Cause papers and copies of the Summons and Complaint. He told me to fill out the papers, have them notarized, and bring them back to him for the Judge to set a hearing date. The date was set for July 15, 2008. I sent certified copies of the Order to Show Papers to the plaintiff's attorney.

On July 15th, no one showed from the plaintiff's side. I told the Judge that I noticed on my summer pay stubs that $315 was going to be garnished from my paycheck every two weeks. He abruptly said he would look into it. This week I received the Judge's decision: Denied/Judgement remains. Yesterday, the first $315 was garnished.

Today, August 1st, I called the plaintiff's attorney to complain how $600 a month would cause a great financial hardship. They said there was nothning they could do. They said they would only accept a lump settlement of $14,000. I told them I know I never spent $14,000. They said well that's it. They said they sent a letter about a court hearing and none of their mails were answered. I told her how could they be answered when I was no longer living in White Plains? She said the City Marshall will not stop the garnishement. She said he gets 10% of my garnishment.

Is there anyone in your office that can help me resolve this matter? Having $600 removed every month will cause me to file for bankruptcy! I bring home $1800 every two weeks. Out of the money I pay $1860 in rent, $331 for a monthly Metro North train pass, gas, electric,water,cable, phone and interet service. I just got through paying $179 car tax bill. In addition, I just finished paying accumulated medical bills. In September, I have to pay tuition for courses I'm taking. If someone does not help me soon, I will be forced to file for bankruptcy.

i just got a letter from the academy collection service,inc that its saying i owe 321.71 to first usa but i dont have an account with them so whats the deal i really dont know

none yet but if somenthing happened ill sue them for sure

I paid my bill one time online and the company arbitrarily stated sending me statements via an e-mail that I used at work. I specifically told them please do not send paperless statements as I do not check the e-mail and/or it will go to spam. First USA had my address and telephone number to send billing statements to. I have good credit and this is the only company that has caused me problems. I have copies of letters I sent to them and documented phone calls made to them but they ignored them and continued to charge excessive fees which I just found out about recently.

I am extremely upset that my credit has been damaged due to their excessive fees and finance charges. I am a paralegal in a law firm and see no other choice but to sue this company.

i am in the process of trying to find out why i owe $6,514.00, to whom i owe and what is the address and account number

Received an automated phone call at 9:20am on Sunday telling me my first credit card pay is past due and that I owe $300+ dollars on my account. Except I don't have an account or First USA credit card. There was no way to speak to a living person on an automated machine telling me that I could make a $30 payment by using my checking account by phone using this auotmated system or online.

The online instructions informed me to go to the address on the back of my card. I don't own nor have I ever applied for a First USA credit card. Nor do I have an outstanding $300 balance with any institution.

Before checking this website I thought my identity has been stolen and that I'm more susceptible to identity theft and fraud. Now I think I'm just being victimized by First USA.

On October 17, 2007, First USA Bank inquired into my credit account without my authorization. I have never dealt with them, do not know how they got my SSN, and am outraged at this practice.

Unsolicited credit inquiries from First USA Bank lowered my credit score.

On June 18th, First USA Bank inquired into my credit account without my authorization. I have never dealt with them, do not know how they got my SSN, and am outraged at this practice.

I pay this credit off every month. I pay thru electronic payments from my bank. I paid this bill and First USA took a day to post it, thus causing me to be late by ONE DAY, and charged me $39 for a late fee as well as nearly $4 in finance fees. These people are a sham and I cancelled that card and STILL get billed every month, (after paying everything off but the late fee/fin charges) that grows and grows. I refuse to pay them one red cent towards any fee or finance charges, since for years, I've paid them off in FULL every month!!!!

Bills will keep on coming.

first u.s.a. bank has made an unathorized inquirey into my credit report without my permission to do so. after reading the consumer reports filed on them i really do not like the fact that they are accessing my personell finance records, and wonder how they got access to my ss#. i also want to know how to stop this from happening again. iam currently working as a contractor in iraq and do not need things to go bad for me in a place that i can do little to get the right help

My son apparently owes this compay money. He is 21 years old. They said that he put me down as a contact. I have nothing to do with his life at this point. They continue to call me, even after I ask them not to. This particular representative is rude and I have had enough! Her name is Nicole.

I got a credit watch alert from Equifax that my credit score had dropped. I checked my credit report and had 2 inquiries from First USA Bank. I called Equifax and told them I had never applied for credit with them and the inquiry had lowered my credit score. Equifax promptly removed the inquiries from my credit report and my credit score is back to normal.

Unsolicited Credit Inquiries from First USA Bank lowered my credit score.

Unauthorized access to my credit info on Experian: 1/17/07 and 12/17/07. I have never applied for credit with First USA Bank.

I stated to them that I was paying off (large) balance in full in Mid may, and did so online. EIGHT days after my pull, they took it upon themselves to attempt to pull the balance out of my account again, WITHOUT my authorization. They told me I had given them my routing number, etc. I told them they better listen to the tapes again because I NEVER stated that. When confronted, they returned all fees. At that point, zero balance. One week later, I get a letter I owe them for interest. Paid it just to get these people OUT of my life! Again, zero balance. Today, got a letter in the mail (dated five days ago) that I still owe them the original large balance. Basically went OFF on these people

I do not know the affect on my credit yet, I do however have had it with these people. DEMANDED to know the president of the company's name.

I sent copies of the the divorce decree to 1st USA as soon as it was final and he took over the payments.

I have not been contacted by 1st USA that there has been any problem.

They were the only negative on my reports. This had a huge affect my interest rate.

I take pride in paying my bills on time and keeping a clear, honest record.

There was an unauthorized inquiry into my credit history on 5/10/08 by First USA Bank.

Equifax indicated that this might be a sign of fraud.

In August of 2007, I refinanced my home through Countrywide. They offered a balance transfer VISA card at 0.00% for one year. I accepted and paid off two existing credit cards. At that time, I chose to go paperless on their cardmemberservices.com website and I gave my emai address for notice of payment, just like I do for other accounts. NO ALERTS or NOTICES!

My bill was late in December and now I find out that the rate is 29.24%. They say that, maybe in a year they will cut the rate! STILL, NO NOTICES!!!

Was solicited to sign up for their credit card through Countrywide to get dividends for use of card and have the amount doubled to use as credit against my mortgage balance.

I never received any bills or statements, the first time I happened to check the account online and paid the first month. I saw a charge on my bank statement for FUSA and never associated it with the Countrywide credit card, as I did not recognize the charge. I queried it and the Bank reversed the payment. I later checked my accounts and figured out who it was and called them. They charged a late fee and a return fee. The second month again no statement in the mail but I was two days late in checking the account and was again charged a late fee. I called customer service and again had to wait half an hour to speak to someone and they refused to reverse the latest charge as they claim they are not responsible for the delivery of the statements. I recall having the same problem with these people before and closed the account.

Had I been made aware I was actually dealing with First USA I would not have opened the account. Beware, do not use these people as I believe they are again trying to manipulate customers to obtain fraudulent late fees. I would like to find out if any other people have encountered the same problems with First USA.

I went to buy a house, and my credit report says I have a delinquent account with First USA Bank. I don't even know what this is!

First USA Bank filed a complant with the Fairfield County Court regarding a civil action against me for their company that I do not know anything about. First USA Bank sent the court papers to my place of employment as if that is my address. They have used a collection agency, MRC Receivable in San Diego, and they call every day.

I have had the human resources department of my job notified that I am being sued, and that does not look good and can affect my pending promotion.

Now my minimum charge is over $1,000 and I am really unable to pay. May have to go to collection agency (maybe they will communicate with me via written form) or DMP or bankruptcy just to get them to answer me.