If you’ve missed payments on a Chase credit card or loan, you could end up with Chase Collections showing on your credit report. This can lower your score and make it harder to get approved for financing. But there are steps you can take to deal with it.
Why Chase Collections Appear on Your Credit Report
When you fall behind on your payments, Chase may report the delinquent account to the credit bureaus. In some cases, they hire a third-party collection agency to recover the debt. Either way, the account can appear on your credit report as a collection or charge-off, damaging your credit score.
How to Remove Chase Collections From Your Credit Report
Collection accounts stay on your credit report for up to seven years, but you don’t have to wait that long to clean things up. Here are your options:
- Dispute inaccurate information: If there’s an error with the account, file a dispute with the credit bureaus to have it removed.
- Negotiate a pay-for-delete: You can try to arrange payment in exchange for having the account removed, though not all collectors will agree.
- Hire a credit repair service: Professionals can challenge negative items and help improve your report more efficiently.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Chase Collections?
Before paying, verify the debt is accurate and belongs to you. Sometimes old, paid, or invalid debts get reported incorrectly. Also, be aware that making payments can reset the statute of limitations, affecting your legal rights.
Many people choose to work with a credit repair professional to navigate this process. They help remove millions of negative items every year, including Chase collections.
Can Chase Collections Sue or Garnish Your Wages?
Chase or a third-party debt collector can sue you for unpaid debts. If they win in court, they may be able to garnish your wages or levy your bank accounts, depending on your state’s laws.
However, legal action is usually a last resort. Collectors typically prefer to resolve debts through payment plans or settlements.
Chase Collections Complaints
Like most major banks and debt collectors, Chase has received thousands of complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Inaccurate reporting on credit reports
- Harassing phone calls or messages
- Failure to verify the debt
If this happens to you, consider filing a formal complaint and knowing your rights.
Your Rights When Dealing With Chase Collections
Debt collectors must follow the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These laws protect you from unfair treatment:
- Chase cannot report false or incomplete information
- You have the right to request debt validation within 30 days of being contacted
- Debt collectors cannot threaten, harass, or use abusive language
- They must clearly identify themselves as a debt collection agency
- They cannot threaten arrest or jail over unpaid debts
Chase Contact Information
JPMorgan Chase Bank
270 Park Ave
New York, NY 10172
Phone: (212) 270-6000
Remove Chase Collections From Your Credit Report Today
Dealing with collections can feel overwhelming, but help is available. Credit Saint has over 15 years of experience helping people dispute negative accounts. They even offer a 90-day money-back guarantee if they don’t deliver results, provided you meet their terms.
Want expert help to improve your credit? Visit their website or call (855) 281-1510 for details.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
