2011/03 Chase correspondence

About

The following is an exchange between Woozle and Chase bank, conducted via the secure messaging feature of their web site (which lately only works for me in Chrome, not Firefox... but that's a separate issue).

Transcript

2011-03-01 15:08:50

We have recently resolved a very difficult situation that began several years ago, and are now ready to try and address this debt. Our means remain very limited, but should improve over time.

Can you offer a reduced amount as a lump sum payout to settle Sandy's debt to Chase, including all three accounts [numbers redacted], and what would that amount be? Alternatively, what monthly payment schedule would you accept as a plan to pay off these debts?

Thank you.

2011-03-02 02:57:38

Dear Sandra Hall,

I understand circumstances occurred which may be causing you to experience some financial difficulty. It is important to help you find the best way to gain control of your finances.

Please contact us at 1-888-729-1403 to determine if you qualify for one of our payment plans designed to work with your budget. One of my colleagues will be happy to review your account during the hours listed below:

Monday through Thursday: 8 AM to 10 PM (EST)
Friday and Saturday: 8 AM to 5 PM (EST)
Sunday: 9 AM to 10 PM (EST)

2011-03-02 07:43:10

This is Nick Staddon typing this message. I've been helping Sandy with her financial situation. I don't think I'm listed as a cardholder on any of the Chase accounts. If I called the number you gave below, would you be able to speak to me about this matter? If not, to what address should Sandy send a letter authorizing you to speak with me? Thank you.

2011-03-02 13:29:08

Dear Nick Staddon,

I appreciate you helping Sandra Hall with her financial situation.

After reviewing the account I realized that you are not listed on her account, this request can only be processed for the Primary Cardholder on the account. You are currently not listed as a user on this account. Please have the Primary Cardholder call us at the number listed below for assistance with this request.

Thank You,

Frazier Pereira
E-mail Customer Service Advisor

1-877-626-5998

Account is owned by Chase Bank USA, N.A. and may be serviced by its affiliates.

2011-03-02 21:30:28

Sandy wants me to speak with you about this. She is not prepared to speak with you on her own behalf at this time. What does she need to do in order to authorize you to speak with me?

Thank you,

Nick Staddon

2011-03-03 11:55:51

Dear Nick Staddon,

Thank you for contacting Chase about what needs to be done for us to be authorized to speak to you.

I have reviewed the account and confirmed this request can only be processed for the Primary Cardholder on the account. You are currently not listed on this account. Please have the Primary Cardholder call us at the number listed below for assistance with this request.

I am glad I was able to review the account and look forward to the primary cardmember contacting us.

Thank you,

Martin E Coleman Jr
E-mail Customer Service Representative

1-800-436-7927

Account is owned by Chase Bank USA, N.A. and may be serviced by its affiliates.

********************************************************************
DO YOU KNOW AT CHASE ONLINE YOU CAN ....
- Gain instant access to view and download your credit card information.
- See and pay your bill online
- Transfer balances
- Change your address and much more....
********************************************************************

2011-03-03 12:00:40

The primary account holder has asked me to speak with you about this. She is not prepared to speak with you on her own behalf at this time. What does she need to do in order to authorize you to speak with me?

Thank you.

2011-03-03 17:41:42

Dear Nick Staddon,

Thank you for your recent inquiry regarding this credit card account.

Regretfully, we are unable to comply with your request as outlined in the e-mail.

For the protection and confidentiality of our card members account information, we require verification that you are permitted access to this account. Please fax us a copy of a notarized power of attorney with stamp and seal to 1-480-902-6320. If you prefer, you may also send the information to the following address:

Cardmember Services

PO Box 15919

Wilmington, DE 19850-5919

This document will enable us to discuss, change or release information to you.

We look forward to assisting you.

If you have any further questions, please reply using the Secure Message Center.

Thank You,

Andy Kern
Email Customer Service Representative

1-877-626-5998

Account is owned by Chase Bank USA, N.A. and may be serviced by its affiliates.

********************************************************************
DO YOU KNOW AT CHASE ONLINE YOU CAN ....
- Gain instant access to view and download your credit 
card information.
- See and pay your bill online
- Transfer balances
- Change your address and much more....
********************************************************************

2011-03-07 13:14

I'm sorry, I think I must be misunderstanding something.

Sandy would be happy to send you a notarized letter authorizing me to access this account.

What I don't understand is why I need to have a power of attorney. I don't need authority to act on her behalf; I just want to discuss her options for payment on this account.

Would the notarized letter of authorization you described be sufficient?

Thank you,

Nick