So I'm going through my mail today and I open up this letter from Chase and it states: After careful consideration, we have decided to close the above-notes account for the following principal reasons:
Delinquency on accts
Delinquency reported on the last 48 mos.
I thought it was a scam letter as I don't have a Chase credit card until I checked my credit cards and sure enough the number is one of my Bank One credit cards. I checked my account online and there isn't a balance on it so I figured there has to be some type of mistake. I then called Bank One and they told me that they made the decision to close my account based on the information on my credit report.
A few months ago, I received an e-mail stating that my American Express account was frozen because I hadn't paid my balance. I hadn't used that card and knew that there was no balance on the account as I pay off the balance in full every month on anything I charge. They told me that my account was somehow combined with another account so everything was fixed, it was a case of mistaken identity so I didn't worry about it.
Well, now I'm worried! I called to put a fraud statement on my credit report. I was able to access one of my credit reports online and there doesn't appear to be anything wrong with it but I have to get all the credit reports and do futher research on what's going on! Bank One told me that my account is now closed so there isn't anything I can do there.
I feel so angry and violated right now because now I have to clear my name and credit report!